Terms of Service

TermGuard.ai Limited
Effective Date: 7 April 2026
Version: 2.0
Company Number: 17137884
termguard.ai

Plain English Summary: TermGuard is an AI-powered tool that scans Terms & Conditions and Privacy Policies and explains them in plain English. These Terms set out the rules for using our website and Chrome extension. Please read them carefully — they contain important information about what we can and cannot do, how credits work, and what happens if something goes wrong. US users: Section 42 contains an arbitration clause and class action waiver that affects your legal rights — please read it. If you are a consumer in the EU, UK, or a jurisdiction with mandatory consumer protection laws, you have additional protections that override any conflicting clauses.

Part 1 — About These Terms

1. Who We Are

The Service is operated by TermGuard.ai Limited ("TermGuard", "we", "us", "our"). Contact us at legal@termguard.ai.

2. What These Terms Cover

These Terms of Service ("Terms") govern your access to and use of:

the TermGuard.ai website at https://termguard.ai (the "Website");
the TermGuard Chrome browser extension (the "Extension"); and
all related features, content, and services (together, the "Service").

These Terms form a legally binding contract between you and TermGuard.ai Limited. By accessing or using the Service you agree to be bound by them.

3. Different Terms for Consumers and Businesses

Some provisions in these Terms apply differently depending on whether you are a:

Consumer: an individual using the Service for personal, non-commercial purposes; or
Business Customer: a company, organisation, or individual using the Service primarily for commercial or professional purposes.

Where a clause is marked [CONSUMER PROTECTION], it provides additional protections for consumers. Nothing in these Terms affects statutory rights you have as a consumer under the laws of your jurisdiction that cannot be excluded or waived by contract.

4. Definitions

Term	Definition
Account	Your registered user account with TermGuard, accessed via email/password or OAuth provider.
AI Output	Any text, analysis, flag, summary, or response generated by the Service's AI models in response to a document you submit.
Content	Any document text, URLs, or other material you submit to the Service for analysis.
Credits	The unit of consumption used to access Service features. One scan = 10 credits; one chat message = 2 credits.
Extension	The TermGuard Chrome browser extension, available from the Chrome Web Store.
Plan	The subscription tier (Free, Basic, Pro, or Enterprise) to which your Account is subscribed.
Service	The Website, Extension, and all related features operated by TermGuard.ai Limited.
Subscription Period	The monthly or annual billing cycle associated with your paid Plan.
Third-Party AI Provider	The artificial intelligence API provider(s) we use to process documents (currently Anthropic, PBC).
Website	https://termguard.ai and all subdomains operated by TermGuard.ai Limited.

Part 2 — Your Account

5. Eligibility

You may create an Account if:

you are at least 18 years of age;
you are not prohibited from receiving or using the Service under applicable law; and
you have not previously been suspended or removed from the Service.

We do not knowingly collect data from anyone under 18. If you believe a minor has registered, please notify us at privacy@termguard.ai immediately and we will delete the account.

6. Account Registration

When you create an Account you must:

provide accurate, current, and complete information;
keep your account credentials confidential and not share them with any third party;
notify us immediately at legal@termguard.ai if you suspect unauthorised access to your Account; and
keep your contact information up to date.

You are solely responsible for all activity that occurs under your Account, whether or not authorised by you. One Account is permitted per individual. Accounts may not be shared between multiple people.

7. Account Deletion

You may delete your Account at any time by:

using the "Delete Account" function in your account dashboard at https://termguard.ai/account; or
emailing us at legal@termguard.ai with your registered email address and a deletion request.

On deletion: (a) all personal data is removed within 30 days, subject to our legal retention obligations; (b) any active paid subscription is cancelled at the end of the current Subscription Period; and (c) all unused Credits are forfeited without refund.

[CONSUMER PROTECTION] Nothing in this clause affects your rights under applicable data protection law, including your right to erasure under UK GDPR, EU GDPR, or equivalent applicable law. See our Privacy Policy at https://termguard.ai/privacy for full details of data subject rights.

Part 3 — The Service

8. What the Service Does

TermGuard is an AI-powered tool that:

detects Terms of Service, Privacy Policy, and similar legal documents in your browser;
extracts text from those documents and transmits it to our AI systems for analysis;
generates plain-English summaries and categorised flags ("Watch out", "Worth noting", "Good to know", and "Easter Egg" for hidden benefits) based on AI analysis; and
allows you to ask follow-up questions about the document via an in-extension chat interface.

9. Important Limitations — Please Read Carefully

⚠️ The Service Does Not Provide Legal Advice and Is Not Intended to Influence Decisions

AI Output generated by TermGuard is for informational purposes only. It is not legal advice. TermGuard is not a law firm and is not your lawyer. Nothing produced by the Service creates an attorney-client or solicitor-client relationship, or constitutes legal advice under the laws of any jurisdiction. The Service is designed to help you understand documents more quickly — it is not intended to be, and should not be used as, the basis for any legal, financial, or commercial decision. If a document has material legal implications for you, consult a qualified legal professional in your jurisdiction.

In addition:

AI analysis can be inaccurate, incomplete, or out of date. We make no warranty that every clause, risk, or provision in a document will be identified or correctly characterised.
The Service analyses text extracted from web pages. The accuracy of extracted text depends on the structure of the source page. Formatting, obfuscation, or dynamic loading may cause text to be missed.
TermGuard is not a substitute for reading the original document. You should always read the source document yourself before agreeing to its terms.
Flags are generated by AI and reflect pattern-matching against common legal clause types. A flag does not constitute a legal opinion about whether a clause is enforceable, lawful, or applicable to your situation.
The Service may not detect every page that contains legal terms, and may occasionally classify non-legal pages as legal documents.

10. Chrome Extension Permissions

The Extension requires certain browser permissions to function, including access to the content of web pages you visit, the active tab, and local storage. By installing and using the Extension you consent to the permissions described in the Chrome Web Store listing for the Extension. These permissions are used solely to provide the Service — specifically, to detect legal document pages and extract text for analysis when you initiate a scan. The Extension is also subject to the Google Chrome Web Store Terms of Service.

11. Service Availability

We aim to make the Service available at all times but do not guarantee uninterrupted access. We may:

take the Service offline temporarily for maintenance, updates, or security purposes;
modify, suspend, or discontinue any feature of the Service at any time; and
impose rate limits or usage caps where necessary to maintain service quality.

[CONSUMER PROTECTION] If we discontinue the Service permanently or make a material change that significantly reduces its value to you, and you are a consumer on a paid Plan, you may be entitled to a pro-rata refund for the unused portion of your Subscription Period. Contact us at legal@termguard.ai.

Part 4 — Plans, Credits, and Payments

12. Plans and Credit Allocations

The Service is offered on a credit-based model under the following Plans:

Plan	Monthly Credits	Monthly Price	Annual Price
Free	50 (one-time only)	Free	Free
Basic	500 / month	$3 / month	$28.80 / year
Pro	3,000 / month	$8 / month	$76.80 / year
Enterprise	Unlimited	Custom	Custom

Credits are consumed as follows: one full document scan = 10 credits; one chat message = 2 credits. All prices are in USD.

13. Free Plan

The Free Plan credit allocation is a one-time grant, not a recurring allowance. Free Plan credits:

do not reset, refresh, or renew at any interval;
expire permanently upon account deletion; and
are not transferable to another account.

Once Free Plan credits are exhausted, you must upgrade to a paid Plan to continue using the Service beyond viewing previously generated results.

14. Paid Plan Credits

Credits on paid Plans (Basic, Pro, Enterprise):

are allocated at the start of each Subscription Period;
reset on the renewal date of each Subscription Period — unused credits do not roll over;
are forfeited in full on cancellation or plan downgrade; and
are not redeemable for cash under any circumstances.

15. Subscription and Payment

15.1 Billing

Paid subscriptions are billed in advance, either monthly or annually, via Stripe (our payment processor). By subscribing, you authorise us to charge your payment method on a recurring basis for the applicable fees. All fees are stated in USD ($). Any applicable taxes will be calculated and displayed at checkout based on your location.

15.2 Price Changes

We may change subscription prices from time to time. We will give you at least 30 days' written notice (by email to your registered address) before any price change takes effect. If you do not cancel before the price change takes effect, you will be deemed to have accepted the new price.

[CONSUMER PROTECTION] If you are a consumer and we increase your subscription price, you have the right to cancel your subscription before the new price takes effect without penalty.

15.3 Failed Payments

If a payment fails, we will attempt to collect payment using the details on file. If payment cannot be collected within 7 days of the due date, we reserve the right to suspend your Account and downgrade your Plan to Free. We will notify you by email before doing so.

16. Cancellation

16.1 Cancellation by You

You may cancel your paid subscription at any time by:

accessing the Stripe Customer Portal via the "Manage Billing" link in your account dashboard at https://termguard.ai/account; or
contacting us at legal@termguard.ai.

Cancellation takes effect at the end of the current Subscription Period. You will retain access to paid Plan features and credits until that date. No partial-period refunds are given on cancellation, except as required by applicable law.

[CONSUMER PROTECTION — Right of Withdrawal] If you are a consumer who subscribed online, you may have a statutory right to cancel within 14 days of purchase without giving a reason. By consuming credits after purchase, you explicitly request early performance of the contract and acknowledge that your right of withdrawal is lost in full once any credits have been consumed. If you have not consumed any credits during the 14-day period, you are entitled to a full refund on cancellation. To exercise this right, email legal@termguard.ai stating your intention to withdraw. EU and UK consumers have this right under the Consumer Contracts Regulations 2013 (UK) and Directive 2011/83/EU (EU). The exact scope of this right may vary in other jurisdictions.

16.2 Cancellation by Us

We may cancel or suspend your subscription in the following circumstances:

you have materially breached these Terms and (where the breach is remediable) failed to remedy it within 14 days of written notice;
you have engaged in fraudulent use of the Service, including circumventing credit limits;
we are required to do so by law; or
we decide to discontinue the Service (in which case we will provide at least 30 days' notice to paid subscribers).

[CONSUMER PROTECTION] If we cancel a paid subscription other than for your breach or your request, we will refund any prepaid fees for the unused portion of the Subscription Period on a pro-rata basis.

17. Refunds

Except as expressly stated in these Terms or required by applicable law:

all fees are non-refundable;
credits consumed are non-refundable; and
downgrades between paid Plans do not generate a refund — any remaining credits under the higher Plan are forfeited.

We may, at our sole discretion, issue credits or refunds in cases of verifiable service failure or administrative error. Contact legal@termguard.ai.

Part 5 — Acceptable Use

18. Permitted Uses

You may use the Service to:

scan and analyse Terms of Service, Privacy Policy, End User Licence Agreement, and similar legal documents that are publicly accessible;
ask questions about the content of documents you have scanned; and
access and manage your Account, subscription, and usage history.

19. Prohibited Uses

You must not use the Service to:

circumvent, disable, or interfere with security features or credit enforcement mechanisms;
use automated scripts, bots, or crawlers to make requests to the Service beyond what your Plan permits;
attempt to reverse-engineer, decompile, or extract the source code of the Service, except to the extent permitted by applicable law;
resell, sublicense, or commercialise access to the Service without our prior written consent;
submit to the Service any material that infringes the intellectual property rights of a third party;
submit to the Service any material that is unlawful, defamatory, obscene, or which promotes discrimination, hatred, or violence;
use the Service in any way that violates applicable law or regulation in your jurisdiction;
impersonate any person or entity or misrepresent your affiliation with any person or entity;
submit or transmit unsolicited commercial communications (spam); or
probe, scan, or test the vulnerability of the Service or any related system.

20. Repeat Infringers

We have a policy of terminating, in appropriate circumstances, the accounts of users who are repeat infringers of intellectual property rights. If you believe a user is repeatedly infringing copyright, please contact us at legal@termguard.ai.

21. Sanctions Compliance

You must not use the Service if you are located in, or are a national or resident of, any country or territory subject to comprehensive sanctions administered by the UK Office of Financial Sanctions Implementation (OFSI), the US Office of Foreign Assets Control (OFAC), the EU, or the United Nations. You represent and warrant that your use of the Service does not violate any applicable sanctions laws or regulations.

22. Content You Submit

When you submit Content to the Service:

you represent that you are entitled to submit that Content (for example, that you are accessing a publicly available webpage);
you grant us a limited, non-exclusive licence to process, transmit, and analyse the Content solely for the purpose of providing you with the Service; and
you acknowledge that the Content will be transmitted to our Third-Party AI Provider for processing (see Section 27).

We do not claim ownership of Content you submit. We do not store the full text of documents you scan beyond the time required to generate a response (typically seconds). We do, however, retain the URL of scanned documents for up to 12 months for usage and billing purposes.

Part 6 — Intellectual Property

23. Our Intellectual Property

All intellectual property rights in the Service, including the Website, Extension, software, design, trademarks, and AI Output generated by our systems, are owned by or licensed to TermGuard.ai Limited. Nothing in these Terms transfers any intellectual property rights to you.

You are granted a limited, non-exclusive, non-transferable, revocable licence to use the Service solely for the purposes described in Section 18 and in accordance with these Terms. This licence terminates automatically on termination of your Account or these Terms.

24. AI Output

AI Output generated by the Service is provided to you under the same licence as the Service itself. Subject to these Terms and your Plan, you may use AI Output for your own personal or internal business purposes. You may not:

represent AI Output as the product of a qualified legal professional;
sell, license, or commercially redistribute AI Output to third parties without our prior written consent; or
use AI Output to train, fine-tune, or develop any competing AI model or product.

25. Feedback

If you provide us with feedback, suggestions, bug reports, or ideas regarding the Service ("Feedback"), you grant us a royalty-free, perpetual, irrevocable, worldwide licence to use that Feedback for any purpose without obligation to you.

26. Copyright Complaints

We respect intellectual property rights. If you believe that any content available through the Service infringes a copyright you own or control, please contact our designated copyright agent at legal@termguard.ai with:

your name and contact information;
identification of the copyrighted work you claim has been infringed;
identification of the material you claim is infringing and its location;
a statement that you have a good-faith belief the use is not authorised by the copyright owner, its agent, or law; and
a statement, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorised to act on their behalf.

We will respond to valid notices in accordance with applicable law, including the Digital Millennium Copyright Act (DMCA) in the United States and equivalent legislation in other jurisdictions. We operate a repeat-infringer termination policy as described in Section 20.

Part 7 — Third-Party Services and Data

27. Third-Party AI Provider

The Service uses artificial intelligence models provided by Anthropic, PBC ("Anthropic") to process document text. When you initiate a scan or chat:

the extracted text of the document is transmitted to Anthropic's API for analysis;
Anthropic processes this data in accordance with Anthropic's own terms of service and privacy policy, available at https://www.anthropic.com/legal/privacy; and
where required by applicable data protection law, we have entered into a Data Processing Agreement with Anthropic.

We are not responsible for the acts or omissions of Anthropic. The accuracy of AI Output is subject to the capabilities and limitations of Anthropic's models at the time of processing.

28. Payment Processing

Payments are processed by Stripe, Inc. ("Stripe"). Your payment details are transmitted directly to Stripe and are not stored on our systems. Stripe's use of your payment information is governed by Stripe's Privacy Policy at https://stripe.com/privacy. We store only your Stripe customer ID and subscription status.

29. Third-Party Links and Services

The Service may contain links to third-party websites or services. These are provided for convenience only. We are not responsible for the content, privacy practices, or terms of any third-party website or service. Visiting a third-party site does not constitute a scan by TermGuard unless you actively initiate one.

Part 8 — Limitation of Liability

30. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE". TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT: (A) THE SERVICE WILL MEET YOUR REQUIREMENTS; (B) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) AI OUTPUT WILL BE ACCURATE, COMPLETE, OR RELIABLE; OR (D) ANY ERRORS IN THE SERVICE WILL BE CORRECTED.

[CONSUMER PROTECTION] Nothing in this Section affects any implied terms, statutory rights, or consumer guarantees you have under the laws of your jurisdiction that cannot lawfully be excluded or limited, including (where applicable) rights under the UK Consumer Rights Act 2015, EU consumer protection directives, or equivalent laws.

31. Exclusion of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WE EXCLUDE LIABILITY FOR:

any loss or damage caused by reliance on AI Output as legal advice;
any loss of profits, revenue, contracts, business, goodwill, anticipated savings, data, or wasted expenditure;
any indirect, consequential, special, exemplary, or punitive loss or damage;
any loss arising from events beyond our reasonable control (see Section 34); or
any loss arising from your failure to comply with these Terms or applicable law.

[CONSUMER PROTECTION] We do not limit or exclude liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited by applicable law.

32. Liability Cap

To the extent that any liability cannot be excluded under these Terms or applicable law, our total aggregate liability to you in connection with the Service — whether in contract, tort (including negligence), breach of statutory duty, or otherwise — shall not exceed the greater of:

the total fees paid by you to us in the twelve (12) months immediately preceding the event giving rise to the claim; or
USD $100.

[CONSUMER PROTECTION] If you are a consumer, nothing in this clause prevents you from bringing a claim for greater losses where they arise from our negligence, fraud, or wilful misconduct, or where such limitation is prohibited by the mandatory laws of your jurisdiction.

33. Indemnity (Business Customers Only)

If you are a Business Customer, you agree to indemnify, defend, and hold harmless TermGuard.ai Limited and its officers, directors, employees, and contractors from and against any claims, liabilities, damages, costs, and expenses (including reasonable legal fees) arising from:

your use of the Service in breach of these Terms;
your violation of any applicable law or third-party rights; or
any claim by a third party arising from Content you submitted to the Service.

34. Force Majeure

We are not liable for any failure or delay in performing our obligations under these Terms where such failure or delay results from circumstances beyond our reasonable control, including but not limited to: acts of God, pandemic, fire, flood, earthquake, civil unrest, governmental action, internet or telecommunications failure, or failure of third-party service providers (including Anthropic and Stripe).

Part 9 — Suspension and Termination

35. Suspension

We may suspend your access to the Service (in whole or in part) immediately and without notice if we have reasonable grounds to believe:

your Account is being used in breach of Section 19 (Prohibited Uses);
your Account has been compromised and suspension is necessary to protect your data or other users;
you have failed to pay outstanding fees after notice; or
continued access poses a risk to the security, integrity, or availability of the Service.

We will notify you of a suspension by email as soon as reasonably practicable and (where the breach is remediable) allow you 14 days to remedy it before proceeding to termination.

36. Termination

Either party may terminate the agreement formed by these Terms:

You: by deleting your Account as described in Section 7.
Us: by giving you 30 days' written notice, or immediately on written notice if you have committed a serious or repeated breach of these Terms.

On termination: (a) all licences granted to you under these Terms cease; (b) you must stop using the Service; and (c) any outstanding fees become immediately due and payable.

37. Survival

The following provisions survive termination of these Terms: Sections 9, 23, 24, 25, 26, 30, 31, 32, 33, 37, and 39 through 47.

Part 10 — Legal

38. Changes to These Terms

We may update these Terms from time to time to reflect changes in law, our business, or the Service. When we do so:

we will post the updated Terms at https://termguard.ai/terms with a new effective date;
if the changes are material, we will notify you by email to your registered address at least 30 days before they take effect; and
your continued use of the Service after the effective date constitutes acceptance of the updated Terms.

[CONSUMER PROTECTION] If you are a consumer on a paid Plan and a material change to these Terms significantly reduces the value of the Service to you, you may cancel your subscription within 30 days of notification and receive a pro-rata refund for the unused portion of your Subscription Period.

39. Privacy

Our collection and use of personal data is governed by our Privacy Policy at https://termguard.ai/privacy, which is incorporated into these Terms by reference. In the event of a data breach affecting your personal data, we will notify you in accordance with applicable law.

40. Communications

By creating an Account, you consent to receive transactional and service communications from us by email, including:

account registration and security notifications;
subscription confirmations, receipts, and renewal notices;
notifications of material changes to these Terms or our Privacy Policy; and
credit balance warnings.

We will not send marketing emails without your explicit consent. You may opt out of marketing communications at any time via the unsubscribe link in any marketing email.

41. Informal Dispute Resolution

Before bringing any formal claim against us, you agree to first contact us at legal@termguard.ai and give us 30 days to attempt to resolve the dispute informally. This requirement does not apply where you need to seek urgent injunctive or emergency relief, or where it would prevent you from preserving a legal right under a statutory limitation period. We reserve the right to decline to engage with requests we reasonably determine to be frivolous, vexatious, or made in bad faith.

42. Dispute Resolution — US Users

PLEASE READ THIS SECTION CAREFULLY. IT CONTAINS AN ARBITRATION CLAUSE AND CLASS ACTION WAIVER THAT AFFECT YOUR LEGAL RIGHTS.

42.1 Applicability

This Section 42 applies to users resident in the United States of America. It does not apply to users resident in the EU, EEA, or United Kingdom, or any other jurisdiction where mandatory consumer protection laws prohibit binding pre-dispute arbitration agreements (see Section 44).

42.2 Agreement to Arbitrate

You and TermGuard agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service ("Dispute") will be resolved by binding individual arbitration, rather than in court, except that either party may bring an individual claim in small claims court if it qualifies, and either party may seek injunctive or other equitable relief in court to protect intellectual property rights.

THE FEDERAL ARBITRATION ACT (9 U.S.C. § 1 ET SEQ.) GOVERNS THE INTERPRETATION AND ENFORCEMENT OF THIS SECTION. BY AGREEING TO ARBITRATION, YOU AND TERMGUARD ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE PROCEEDING.

42.3 Class Action Waiver

ALL DISPUTES MUST BE BROUGHT IN YOUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, REPRESENTATIVE, OR MULTI-PLAINTIFF ACTION. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS OR PRESIDE OVER ANY CLASS OR REPRESENTATIVE PROCEEDING.

42.4 Arbitration Rules and Process

Arbitration will be administered by JAMS under its Streamlined Arbitration Rules (for claims under USD $250,000) or Comprehensive Rules (for larger claims), as applicable. The arbitration will be conducted in English. Unless you and TermGuard agree otherwise, the arbitration will take place in the county of your residence or, if agreed, via video conference. The arbitrator's decision will be final and binding and may be entered as a judgment in any court of competent jurisdiction.

42.5 Fees

Each party will bear its own attorneys' fees. Arbitration filing fees will be allocated in accordance with the applicable JAMS rules. If the arbitrator finds that a Dispute was frivolous or brought for an improper purpose, the arbitrator may award attorneys' fees and costs against the party bringing such a Dispute.

42.6 30-Day Opt-Out

You may opt out of this arbitration agreement within 30 days of first accepting these Terms by emailing legal@termguard.ai with the subject line "Arbitration Opt-Out" and stating your name and the email address associated with your Account. If you opt out, Section 43 (Governing Law) will govern disputes instead.

42.7 Changes to This Section

If we make any material change to this Section 42, you may reject the change by emailing legal@termguard.ai within 30 days of the change taking effect.

43. Governing Law and Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them shall be governed by the laws of England and Wales, without regard to conflict of law principles.

[BUSINESS CUSTOMERS] Each party irrevocably submits to the exclusive jurisdiction of the courts of England and Wales.

[CONSUMER PROTECTION] If you are a consumer, you may also bring proceedings in the courts of your country of residence. Nothing in these Terms limits your right to rely on the mandatory consumer protection laws of your jurisdiction.

44. Regional Provisions

44.1 European Union / European Economic Area

If you are resident in the EU or EEA:

Nothing in these Terms affects your statutory rights under applicable EU consumer protection law, including Directive 2011/83/EU on consumer rights and Directive 93/13/EEC on unfair contract terms.
You have the right to withdraw from a purchase within 14 days. By consuming credits immediately after purchase, you acknowledge you are requesting early performance and this may reduce your refund entitlement proportionately.
Your personal data will be processed in accordance with the GDPR and our Privacy Policy. You have the right to access, rectify, erase, restrict, port, and object to processing of your personal data. Contact: privacy@termguard.ai.
You may use the EU Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr for unresolved complaints.
The Section 42 arbitration clause does not apply to you.

44.2 United Kingdom

If you are resident in the United Kingdom:

Nothing in these Terms affects your rights under the Consumer Rights Act 2015, the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, or other applicable UK consumer protection law.
Your personal data will be processed in accordance with UK GDPR and our Privacy Policy.
The Section 42 arbitration clause does not apply to you. Any disputes will be resolved under Section 43.

44.3 United States — California

If you are a California resident:

Under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), you have the right to: know what personal information we collect about you; request deletion of your personal information; correct inaccurate personal information; opt out of the sale or sharing of personal information; and not be discriminated against for exercising your rights.
We do not sell or share personal information as defined under the CCPA.
To exercise your California privacy rights, contact us at privacy@termguard.ai.
You may report complaints to the California Department of Consumer Affairs at https://www.dca.ca.gov.

44.4 Other Jurisdictions

If you are located in a jurisdiction with mandatory consumer protection laws that cannot be waived by contract, nothing in these Terms limits your rights under those laws. Where any provision conflicts with mandatory local law, the mandatory provision will prevail to the minimum extent required by law.

45. Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations (including upon a merger, acquisition, or sale of substantially all our assets) without your consent, provided we give you 30 days' notice. If you are a consumer and do not wish to be bound by the terms of any such assignment, you may cancel your Account without penalty.

46. General

Entire Agreement: These Terms, together with our Privacy Policy and any order confirmation, constitute the entire agreement between you and TermGuard.ai Limited in relation to the Service.
Severability: If any provision is found unlawful, void, or unenforceable, it shall be deemed severable and will not affect the remaining provisions.
Waiver: No failure or delay in exercising any right constitutes a waiver of that right. A waiver of any default is not a waiver of any subsequent default.
No Agency: Nothing in these Terms creates any partnership, joint venture, agency, employment, or franchise relationship between you and TermGuard.ai Limited.
Language: These Terms are written in English. In the event of any inconsistency between an English version and a translated version, the English version will prevail.

47. Contact Us


Company	TermGuard.ai Limited
Company No.	17137884
Legal Enquiries	legal@termguard.ai
Privacy Enquiries	privacy@termguard.ai
Copyright Complaints	legal@termguard.ai
Website	https://termguard.ai

Schedule 1 — Consumer Rights Summary

This schedule is a plain-English summary of key consumer rights. It is provided as a convenience and does not replace the substantive Terms above.

Cooling-Off / Right of Withdrawal (14 Days)

If you subscribe to a paid Plan and have not yet consumed any credits, you can cancel within 14 days for a full refund. Once you consume any credits, you have requested early performance of the contract and your right of withdrawal is lost in full. Email legal@termguard.ai to cancel.

Right to a Working Service

Digital services must be of satisfactory quality, fit for purpose, and as described. If the Service has a fault, you may be entitled to a remedy under the laws of your jurisdiction.

Right to Cancel a Price Increase

If we increase your subscription price, we will give you 30 days' notice. You may cancel before the new price takes effect.

Right to Delete Your Account

You can delete your account and have your personal data erased at any time. See Section 7 and our Privacy Policy at https://termguard.ai/privacy.

No Legal Advice

TermGuard provides AI-generated summaries for information only. Always read the original document and consult a qualified legal professional for important matters.

US Users — Arbitration Opt-Out

If you are a US user, please read Section 42 carefully. You have 30 days from first accepting these Terms to opt out of the arbitration agreement by emailing legal@termguard.ai with the subject line "Arbitration Opt-Out".