Terms of Service

Last updated: February 17, 2026

These Terms of Service ("Terms") govern your access to and use of the Creator.ai website, platform, and services (collectively, the "Service") operated by Creator.ai ("we," "us," or "our"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years old and have the legal capacity to enter into a binding agreement to use the Service. By using the Service, you represent and warrant that you meet these requirements. If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

2. Account Registration

• You must provide accurate, current, and complete information when creating an account.
• You are responsible for maintaining the confidentiality of your account credentials.
• You are responsible for all activities that occur under your account.
• You must notify us immediately of any unauthorized use of your account.
• We reserve the right to suspend or terminate accounts that violate these Terms.

3. The Service

3.1 Description

Creator.ai provides an AI-powered consulting and analysis platform. Users submit goals ("Missions"), and our system assembles a dynamic team of AI agents to analyze, debate, and produce structured deliverables. Optional human Expert review is available for certain quality tiers.

3.2 AI-Generated Content Disclaimer

ALL OUTPUT FROM THE SERVICE, INCLUDING BUT NOT LIMITED TO ANALYSIS, RECOMMENDATIONS, STRATEGY DOCUMENTS, SPREADSHEETS, ACTION PLANS, AND ANY OTHER DELIVERABLES, IS GENERATED BY ARTIFICIAL INTELLIGENCE AND IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY.

• AI outputs do NOT constitute professional advice of any kind, including but not limited to legal, financial, investment, tax, accounting, medical, health, psychological, or any other professional advice.
• AI outputs may contain errors, inaccuracies, hallucinations, outdated information, or biased perspectives.
• You must independently verify all information, recommendations, and analysis before making any decisions.
• You should consult qualified licensed professionals for any decisions with material consequences.
• We make no representations or warranties regarding the accuracy, completeness, reliability, suitability, or availability of any AI-generated content.
• Reliance on AI-generated content is strictly at your own risk.
• AI-generated output is not unique to you. Other users submitting similar goals may receive substantially similar output.
• You may not use AI-generated output about specific individuals for any legally consequential decisions, including but not limited to hiring, credit, housing, insurance, or law enforcement purposes.

3.3 Prohibited High-Risk Uses

THE SERVICE IS EXPRESSLY NOT DESIGNED OR INTENDED FOR USE IN THE FOLLOWING HIGH-RISK ACTIVITIES. WE DISCLAIM ALL LIABILITY FOR ANY SUCH USE:

• Medical diagnosis, treatment, or health-related decision-making.
• Legal advice or decisions in judicial or administrative proceedings.
• Financial, investment, or tax advice where material loss may result.
• Operation or management of critical infrastructure (nuclear facilities, aviation, transportation, power grids, water treatment, or life support systems).
• Any application where failure could reasonably result in death, personal injury, or significant environmental damage.
• Autonomous weapons systems, surveillance, or mass monitoring of individuals.

If you choose to use the Service for any high-risk purpose despite this prohibition, you do so entirely at your own risk and you assume all liability for any resulting harm.

3.4 No Fiduciary Relationship

Your use of the Service does not create a fiduciary, advisory, professional-client, or any other special relationship between you and Creator.ai, our AI agents, or our Expert reviewers. No duty of care, loyalty, or confidentiality beyond what is expressly stated in these Terms and our Privacy Policy is created by your use of the Service.

3.5 Expert Reviews

Expert reviewers are independent contractors, not employees of Creator.ai. Expert reviews represent the personal opinions and analysis of individual reviewers and do not constitute professional advice. Creator.ai is not responsible for the accuracy, quality, or completeness of Expert reviews. Experts are not licensed professionals acting in their professional capacity through the Service unless explicitly stated otherwise.

4. Payments, Credits, and Refunds

4.1 Pricing

• Mission pricing varies by quality tier (Fast Draft, Deep Strategy, Board-Ready) and complexity.
• Prices are displayed before you confirm a Mission. You agree to pay the displayed price.
• We reserve the right to change pricing at any time. Price changes do not affect previously purchased credits or active subscriptions until renewal.

4.2 Credits

• Prepaid credits are non-refundable and non-transferable.
• Credits do not expire while your account is active.
• Upon account termination, unused credits are forfeited.

4.3 Subscriptions

• Subscriptions auto-renew at the end of each billing cycle unless canceled before the renewal date.
• You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period.
• No prorated refunds are provided for partial billing periods.

4.4 Refund Policy

Due to the nature of AI-generated content and the computational costs incurred upon Mission execution, completed Missions are generally non-refundable. We may, at our sole discretion, offer credits or refunds in cases of clear service failure (e.g., Mission did not produce any output due to a technical error). Refund requests must be submitted within 7 days of Mission completion.

5. Acceptable Use

You agree not to:

• Use the Service for any illegal, fraudulent, or harmful purpose.
• Submit Missions intended to generate content that is illegal, defamatory, harassing, threatening, hateful, or that promotes violence or discrimination.
• Attempt to extract, reverse-engineer, or replicate our AI system prompts, agent configurations, or proprietary algorithms.
• Use the Service to generate content for automated spam, phishing, or social engineering attacks.
• Resell, redistribute, or commercially exploit the Service or its output without our written permission.
• Interfere with or disrupt the Service, servers, or networks connected to the Service.
• Attempt to gain unauthorized access to any part of the Service or other users' accounts.
• Use automated tools (bots, scrapers) to access the Service without our written permission.
• Circumvent any rate limits, access controls, or usage restrictions.
• Submit content that infringes on the intellectual property rights of any third party.
• Use the Service in any manner that could damage, disable, overburden, or impair the Service.

6. Intellectual Property

6.1 Our Intellectual Property

The Service, including its design, software, algorithms, AI agent configurations, system prompts, branding, and all related intellectual property, is owned by Creator.ai and protected by intellectual property laws. Nothing in these Terms grants you any right to use our trademarks, logos, or branding.

6.2 Your Content

You retain ownership of the content you submit to the Service ("Your Content"). By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, process, store, and transmit Your Content solely for the purpose of providing and improving the Service. To the extent permitted by applicable law, you waive any moral rights you may have in Your Content submitted to the Service, including rights of attribution and integrity, with respect to our use of such content to provide the Service.

6.3 AI-Generated Output

Subject to these Terms and your payment obligations, you receive a non-exclusive, worldwide license to use the AI-generated output from your Missions for your personal or internal business purposes. You may not claim AI-generated output as solely human-authored work where disclosure of AI involvement is required by law or regulation. We do not guarantee that AI-generated output is free from third-party intellectual property claims.

6.4 Copyright Infringement (DMCA)

We respect the intellectual property rights of others and expect users to do the same. If you believe that content on the Service infringes your copyright, please send a written notice to our designated agent with the following information:

• A physical or electronic signature of the copyright owner or authorized agent.
• Identification of the copyrighted work claimed to have been infringed.
• Identification of the material that is claimed to be infringing, with sufficient detail to locate it.
• Your contact information (name, address, telephone number, email).
• A statement that you have a good faith belief that use of the material is not authorized by the copyright owner, its agent, or the law.
• A statement, under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or authorized to act on their behalf.

DMCA notices should be sent to: legal@creator.ai. Upon receiving a valid DMCA notice, we will remove or disable access to the allegedly infringing material and notify the user who posted it. If you believe your content was wrongly removed, you may submit a counter-notification with the information required under 17 U.S.C. § 512(g).

7. Expert Marketplace Terms

7.1 For Experts

• Experts are independent contractors, not employees.
• Experts must provide accurate credential and expertise information.
• Experts must complete the onboarding process, including AI-guided calibration.
• Expert reviews must be completed in good faith and with reasonable professional care.
• Revenue share is paid via Stripe Connect according to our published rates.
• We reserve the right to remove Experts who consistently provide low-quality reviews or violate these Terms.
• Experts may not solicit users outside the platform or share proprietary Mission data.

7.2 Expert Liability

Expert reviews do not constitute professional advice unless the Expert is providing services within the scope of their professional license and explicitly states so. Creator.ai is not liable for any Expert review content, opinions, or recommendations.

8. Connected Services and Actions

The Service may offer integrations with third-party services (Google Workspace, Notion, etc.). When you connect these services:

• You authorize us to access and perform actions on these services on your behalf, subject to the permissions you grant.
• Actions (sending emails, creating documents, scheduling events) require your explicit approval before execution.
• We are not responsible for the availability, accuracy, or security of third-party services.
• You are responsible for ensuring your use of connected services complies with their terms of service.
• You may revoke access to connected services at any time through your account settings.

9. Export Controls

The Service may be subject to U.S. export control laws and regulations, including the Export Administration Regulations (EAR). You agree not to export, re-export, or transfer the Service or any related technical data to any country, entity, or person prohibited by applicable export control laws. You represent and warrant that you are not located in, under the control of, or a national or resident of any country to which the United States has embargoed goods or services, and that you are not listed on any U.S. government list of prohibited or restricted parties.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR RELIABILITY.
• WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS.
• IN NO EVENT SHALL CREATOR.AI, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF BUSINESS OPPORTUNITY, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
• OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU HAVE PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).
• WE ARE NOT LIABLE FOR ANY DECISIONS MADE, ACTIONS TAKEN, OR OUTCOMES RESULTING FROM YOUR RELIANCE ON AI-GENERATED CONTENT, EXPERT REVIEWS, OR ANY OTHER OUTPUT OF THE SERVICE.
• WE ARE NOT LIABLE FOR ANY DAMAGES ARISING FROM THE USE OF CONNECTED THIRD-PARTY SERVICES OR ACTIONS PERFORMED THROUGH THOSE SERVICES.

11. Indemnification

You agree to indemnify, defend, and hold harmless Creator.ai, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any law or the rights of any third party; (d) any content you submit to the Service; (e) any decisions made or actions taken based on Service output; or (f) your use of connected third-party services through the Service.

12. Dispute Resolution

12.1 Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles.

12.2 Informal Resolution

Before initiating any formal dispute resolution, you agree to first contact us at legal@creator.ai and attempt to resolve the dispute informally for at least forty-five (45) days. During this period, both parties will make a good faith effort to resolve the dispute through negotiation. If the dispute is not resolved within forty-five (45) days, either party may proceed to binding arbitration as described below.

12.3 Arbitration

Any dispute arising out of or relating to these Terms or the Service that is not resolved through informal resolution shall be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration shall be conducted in English. The arbitrator's decision shall be final and binding. Judgment on the award may be entered in any court of competent jurisdiction.

12.4 Class Action Waiver

YOU AGREE THAT ANY DISPUTES SHALL BE RESOLVED ON AN INDIVIDUAL BASIS AND NOT AS PART OF ANY CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

12.5 Jury Trial Waiver

TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU AND CREATOR.AI EACH WAIVE THE RIGHT TO A JURY TRIAL FOR ANY DISPUTE ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE. THIS WAIVER APPLIES WHETHER THE DISPUTE IS HEARD IN COURT OR IN ARBITRATION.

12.6 Exceptions

Notwithstanding the above, either party may seek injunctive or equitable relief in any court of competent jurisdiction to protect its intellectual property rights.

13. Termination

• You may terminate your account at any time by contacting us or through your account settings.
• We may suspend or terminate your account at any time for violation of these Terms, with or without notice.
• Upon termination, your right to use the Service ceases immediately.
• Sections 3.2 (AI Disclaimer), 3.3 (High-Risk Uses), 6 (IP), 9 (Export Controls), 10 (Limitation of Liability), 11 (Indemnification), 12 (Dispute Resolution), and 15 (Release and Waiver) survive termination.
• We are not liable for any loss resulting from account termination.

14. Modification of Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or prominent notice on the Service at least 30 days before they take effect. Your continued use of the Service after the effective date constitutes acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using the Service and may request account deletion.

15. Release and Waiver

You release Creator.ai and its officers, directors, employees, agents, and affiliates from any and all claims, demands, and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with your use of the Service, including but not limited to disputes with other users, Experts, or third-party service providers.

IF YOU ARE A CALIFORNIA RESIDENT, YOU HEREBY WAIVE CALIFORNIA CIVIL CODE SECTION 1542, WHICH PROVIDES: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY."

16. Electronic Communications Consent

By creating an account or using the Service, you consent to receive electronic communications from us, including emails, push notifications, and in-app messages. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You may opt out of marketing communications at any time, but transactional communications (account changes, mission updates, security alerts, billing receipts) are required as part of the Service.

17. General Provisions

• Entire Agreement: These Terms, together with the Privacy Policy, constitute the entire agreement between you and Creator.ai regarding the Service.
• Severability: If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force and effect.
• Waiver: Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or our right to enforce it in the future.
• Assignment: You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction.
• Force Majeure: We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to natural disasters, pandemics, internet outages, government actions, or failures of third-party AI providers.
• No Third-Party Beneficiaries: These Terms do not create any third-party beneficiary rights.
• Headings: Section headings are for convenience only and do not affect interpretation of these Terms.
• Notices: We may provide notices to you via email, in-app notification, or by posting on the Service. You may provide notices to us at legal@creator.ai.

18. Contact Us

If you have questions about these Terms, contact us at:

Creator.ai
Email: legal@creator.ai