Terms of Service

1. Agreement to Terms (The "I Accept" Part)

By accessing or using PayGo.Network ("Service", "we", "us", or "our"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, then you may not access the Service. But let's be honest, you've already clicked "I Agree" without reading this far.

These Terms apply to all visitors, users, and others who access or use the Service, including but not limited to: curious developers, desperate students, procrastinating employees, and AI enthusiasts who ran out of free ChatGPT credits.

2. Description of Service (What We Actually Do)

PayGo.Network provides access to various AI language models through a pay-as-you-go credit system. Think of it as a vending machine for AI conversations, except instead of getting diabetes, you get knowledge (results may vary).

Our Service allows you to:

• Purchase credits using real money (the kind that hurts to spend)
• Use credits to chat with AI models (they're good listeners)
• Save and share your conversations (impress your friends)
• Export your chats to PDF (for your digital scrapbook)
• Refer friends and earn credits (pyramid scheme not included)

3. User Accounts (Your Digital Identity Crisis)

When you create an account with us, you must provide information that is accurate, complete, and current at all times. Fake accounts named "John Doe" or "test@test.com" will be judged silently.

You are responsible for:

• Safeguarding your password (no, "password123" is not safe)
• Any activity that occurs under your account (yes, even your cat walking on the keyboard)
• Notifying us immediately of any unauthorized access (we'll panic together)

You may not use another user's account without permission. This includes your roommate, significant other, or that person who owes you money.

4. Credits and Payments (The Money Talk)

Credits are our virtual currency. They're like arcade tokens, but for chatting with AI instead of playing Pac-Man. Current exchange rate: 1000 credits = $1 USD (subject to change when we need yacht money).

Payment methods accepted:

• Credit/Debit cards (the plastic rectangles of doom)
• Cryptocurrency (for the decentralized among us)
• NOT accepted: IOUs, exposure, good vibes, or promises of future payment

5. Acceptable Use (Don't Be That Person)

You agree not to use the Service to:

• Generate content that would make your grandmother cry
• Attempt to jailbreak, hack, or otherwise break our AI models (they have feelings too)
• Create spam, malware, or anything that would get you on a government watchlist
• Impersonate others (unless it's for a really good Halloween costume)
• Violate any laws (we're not your lawyers, but please don't)
• Mine cryptocurrency using our servers (we checked, it doesn't work anyway)
• Use the service to write your entire dissertation (at least paraphrase a little)

Violation of these rules may result in immediate termination of your account, loss of credits, and a strongly worded email from our team.

6. Intellectual Property (Who Owns What)

The Service and its original content (excluding content provided by users) remains the property of PayGo.Network and is protected by international copyright laws. Our logo is particularly precious to us.

Regarding AI-generated content:

• You own the prompts you write (congratulations, you're an author)
• The AI responses are yours to use (but so is everyone else's similar prompt)
• Don't claim you personally wrote War and Peace if AI generated it
• We're not responsible if AI accidentally recreates copyrighted content

7. Privacy (We're Not Facebook, Promise)

Your use of our Service is also governed by our Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices. Spoiler: We collect way less than you think.

8. Disclaimers (The Legal CYA Section)

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. IN NO EVENT SHALL PAYGO.NETWORK BE LIABLE FOR:

• AI hallucinations (when it thinks it's Napoleon)
• Bad advice from AI (don't quit your day job based on AI suggestions)
• Existential crises caused by deep AI conversations
• Time lost in fascinating AI discussions (it's addictive, we know)
• Your boss finding out you used AI to write that report

CAPS LOCK MAKES IT MORE LEGALLY BINDING, APPARENTLY.

9. Termination (Breaking Up Is Hard To Do)

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Common reasons include:

• Trying to make AI say naughty things
• Finding creative ways to exploit our credit system
• Being generally unpleasant to our support team
• Using the service to create an AI uprising

Upon termination, your right to use the Service will cease immediately. Your unused credits will vanish into the digital void, never to be seen again.

10. Changes to Terms (We Can Change Our Minds)

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion (usually involving a Magic 8-Ball).

11. Contact Information (We're Real People, Sometimes)

If you have any questions about these Terms, please contact us:

• Through the "Need help?" button (we actually read those)
• By carrier pigeon (results not guaranteed)
• By shouting into the void (therapeutically helpful, communicatively useless)