Terms of Service

1. Who we are

Anomic AI (“Anomic AI”, “we”, “our” or “us”) builds AI tools for people who work in banking, financial services and insurance (BFSI). Our Services help you research, draft and analyse material such as business requirement documents, regulatory summaries, risk and policy analyses and contract reviews. You can learn more on our About page.

2. Registration and access

Minimum age. You must be at least 18 years old to use our Services.

Registration. You must provide accurate and complete information to register, and verify your email address before using an email-and-password account. You may not share your account credentials or make your account available to anyone else, and you are responsible for all activity under your account. If you create an account or use the Services on behalf of an organisation, you confirm you have authority to accept these Terms on its behalf.

Trying the Services without an account. You can try a limited number of chats without signing up. Trial chats are not saved to an account, and the limit is tracked with a cookie on your device.

3. Using our Services

What you can do. Subject to these Terms, you may access and use our Services for your personal or internal business purposes. You must comply with these Terms, our Usage Policy and all applicable laws.

What you cannot do. You may not use our Services for any illegal, harmful or abusive activity. For example, you may not:

• use our Services in a way that infringes, misappropriates or violates anyone’s rights, including privacy and intellectual property rights;
• use our Services to plan or facilitate fraud, money laundering, terrorist financing, market manipulation, sanctions evasion or other financial crime;
• modify, copy, lease, sell or distribute any of our Services, except as these Terms permit;
• attempt to or assist anyone to reverse engineer, decompile or discover the source code or underlying components of our Services, including our models, prompts or systems;
• automatically or programmatically extract data or Output, except through the developer API as documented;
• represent that Output was human-generated when it was not;
• interfere with or disrupt our Services, including circumventing any rate limits, usage limits or restrictions, or bypassing any protective measures or safety mitigations;
• use Output to develop models that compete with Anomic AI.

Software. Our Services may include downloadable software, such as our mobile app. We grant you a limited, non-exclusive, non-transferable, revocable licence to use it only as part of the Services.

Feedback. We appreciate your feedback and may use it to improve our Services without any obligation to you.

4. Content

Your content. You may provide input to the Services (“Input”), such as prompts and uploaded documents, and receive output from the Services based on that Input (“Output”). Input and Output are collectively “Content”. You are responsible for Content, including making sure it does not violate any law or these Terms. You confirm that you have all rights, licences and permissions needed to provide Input — including any personal data or confidential information belonging to your organisation or its customers.

Ownership of content. As between you and Anomic AI, and to the extent permitted by law, you (a) keep your ownership rights in Input and (b) own the Output. We hereby assign to you all our right, title and interest, if any, in and to Output.

Similarity of content. Because of the nature of AI, Output may not be unique, and other users may receive similar output from our Services. Our assignment above does not extend to other users’ output.

Our use of content. We use Content only to provide, maintain, secure and support the Services, to comply with law, and to enforce our policies. We do not use your Content to train our own AI models. Our AI model providers process Content under their own API terms to generate responses, as described in our Privacy Policy.

5. Accuracy and professional advice

Artificial intelligence is a rapidly evolving field. While we work to make our Services accurate and reliable, Output may be inaccurate, incomplete or out of date — regulations change, and the Services may not reflect the latest circulars, master directions, notifications or case law. When you use our Services you understand and agree that:

• Output may not always be accurate. You should not rely on Output as a sole source of truth or factual information, or as a substitute for professional advice.
• You must evaluate Output for accuracy and suitability for your use case, including checking it against the official sources of the relevant regulators (such as RBI, SEBI, IRDAI or NPCI) and using human review as appropriate.
• Output is provided for informational and drafting purposes only and is not legal, regulatory, compliance, tax, accounting, investment or financial advice. You must not use Output to make decisions that could have legal or material consequences for a person — such as credit, insurance, employment or account decisions — without appropriate human review.
• Output may contain content that does not represent the views of Anomic AI.

6. Our intellectual property

We and our affiliates own all rights, title and interest in and to the Services, including their software, design, templates and branding. You may use our name and logo only in accordance with any brand guidelines we publish, or with our written permission.

7. Developer API

If you create API keys and use our developer API, these additional terms apply, together with our API documentation:

• API keys are confidential. You are responsible for keeping them secure and for all usage made with your keys, whether or not you authorised it. Do not embed keys in browser or mobile app code or share them publicly. Revoke any key you believe has been exposed.
• API requests count toward your plan’s usage allowance and are subject to the rate limits described in the documentation. We may change limits to protect the Services.
• If you build an application on our API, you are responsible for it and its end users, including providing your own terms and privacy notice, obtaining any consents required by law, and making sure your end users follow our Usage Policy.
• You must not present your application as being made or endorsed by Anomic AI, and you must disclose to your users when they are interacting with AI where the law requires it.
• We may monitor API usage for security and abuse prevention, and may suspend or revoke keys that are used in breach of these Terms.

8. Workspaces and sharing

Workspace owners and admins control membership and can access content shared to their workspace. When you share a conversation by link, anyone with the link can view it until you revoke it. You are responsible for what you share and with whom.

9. Paid accounts

Billing. If you buy a paid plan, you must provide complete and accurate billing information. Payments are processed by Razorpay or Stripe. Paid plans are billed in advance and renew automatically for the same period until you cancel. Prices may include or exclude applicable taxes as shown at checkout.

Cancellation. You can cancel your paid plan at any time from your account. Cancellation takes effect at the end of the current billing period, and you keep access to paid features until then. Except where required by law, payments are non-refundable.

Changes. We may change our prices. We will give you at least 30 days’ notice of any price increase, and it will apply from your next billing period. If you do not agree to the change, you can cancel before it takes effect.

10. Termination and suspension

Termination by you. You are free to stop using our Services at any time. You can deactivate your account (it is permanently deleted after 30 days unless you reactivate it) or delete it immediately from Account settings.

Termination by us. We may suspend or terminate your access to our Services or close your account if we determine, reasonably, that: (a) you breached these Terms or our Usage Policy; (b) we must do so to comply with the law; or (c) your use of our Services could cause risk or harm to Anomic AI, our users or anyone else. Where reasonable, we will give you notice before we act.

Appeals. If you believe we suspended or closed your account in error, contact us at support@anomicai.com.

11. Discontinuation of Services

We may decide to discontinue some or all of our Services. If we do, we will give you advance notice and, where you have prepaid for a discontinued paid plan, a refund for the unused portion.

12. Third-party services

Our Services rely on third-party services, including AI model providers, hosting, authentication, email and payment services. Your use of Google Sign-In is also subject to Google’s terms. Third-party services are governed by their own terms, and we are not responsible for them.

13. Disclaimer of warranties

Our Services are provided “as is” and “as available”. Except to the extent prohibited by law, we and our affiliates and licensors make no warranties (express, implied, statutory or otherwise) with respect to the Services, and disclaim all warranties including warranties of merchantability, fitness for a particular purpose, satisfactory quality, non-infringement and quiet enjoyment. We do not warrant that the Services will be uninterrupted, accurate or error-free, or that any Content will be secure or not lost or altered.

14. Limitation of liability

Neither we nor any of our affiliates or licensors will be liable for any indirect, incidental, special, consequential or exemplary damages, including damages for loss of profits, goodwill, use or data, or for regulatory fines or penalties, even if we have been advised of the possibility of such damages. Our aggregate liability under these Terms will not exceed the greater of the amount you paid us for the Services that gave rise to the claim during the 12 months before the liability arose, or INR 5,000.

Some jurisdictions do not allow the disclaimer of certain warranties or the limitation of certain damages, so some of the above may not apply to you. Nothing in these Terms limits liability that cannot be limited by law.

15. Indemnity

If you are a business or organisation, to the extent permitted by law, you will indemnify and hold harmless us, our affiliates and our personnel from and against any costs, losses, liabilities and expenses (including legal fees) from third-party claims arising out of or relating to your use of the Services and Content, including any application you build on our API, or your violation of these Terms.

16. Dispute resolution

Talk to us first. If you have a concern, please contact us at support@anomicai.com so we can try to resolve it informally. We will try to respond within 30 days.

Governing law and courts. These Terms are governed by the laws of India, without regard to conflict-of-law rules. If a dispute is not resolved informally within 60 days, it will be resolved by the competent courts in India. This does not affect any mandatory consumer protection rights you have under the laws of the country where you live.

17. Copyright complaints

If you believe that your intellectual property rights have been infringed through our Services, please send a notice to support@anomicai.com with: your contact details; a description of the copyrighted work or other intellectual property you claim is infringed; a description of the material and where it is located on the Services; a statement that you have a good-faith belief the use is not authorised; and a statement, under penalty of perjury, that the information in your notice is accurate and that you are the owner or authorised to act on the owner’s behalf. We may remove material and close the accounts of repeat infringers.

18. General terms

Assignment. You may not assign or transfer any rights or obligations under these Terms. We may assign our rights or obligations to an affiliate, or to a successor in a merger, acquisition or sale of assets.

Changes to these Terms or our Services. We are continuously working to improve our Services, and we may update these Terms or our Services accordingly. We will give you at least 30 days’ advance notice of changes to these Terms that materially and adversely affect you, by email or in the Services. All other changes take effect when we post them. If you do not agree to the changes, you must stop using our Services.

Delay in enforcing these Terms. Our failure to enforce a provision is not a waiver of our right to do so later.

Severability. If any part of these Terms is found invalid or unenforceable, that part will be enforced to the maximum extent permissible and will not affect the enforceability of the rest.

Trade controls. You must comply with all applicable trade laws, including sanctions and export control laws. Our Services may not be used in or for the benefit of, or exported or re-exported to, any sanctioned country or region, or any person on a government restricted-party list.

Entire agreement. These Terms, together with the policies they reference, are the entire agreement between you and Anomic AI about the Services and supersede any prior agreements on that subject.

19. Contact us

Questions about these Terms? Email support@anomicai.com.