OurTalk AI – Terms of Use

Terms of Use of OurTalk AI

Last Updated: May 28, 2026

We appreciate your decision to use the services provided by OurTalk AI ("OurTalk AI"). All services offered under the OurTalk AI brand – including, but not limited to, digital content, interactive features, tools, products, and websites – are developed, managed, and/or distributed by TRINEXIS LTD, a legal entity established under the laws of Cyprus (hereinafter referred to as "TRINEXIS LTD" or "the Provider").

By visiting, navigating, or otherwise engaging with any part of the Services, whether directly through OurTalk AI or through its subsidiaries and affiliates, you (collectively with OurTalk AI, the "Parties") acknowledge and agree to be bound by the terms and conditions described in this Terms of Use Agreement ("Agreement"). This Agreement defines the legal framework of your interaction with OurTalk AI and establishes your binding obligations.

If you do not accept these terms in full, you are expressly forbidden from accessing or utilizing the Services in any form.

Your continued interaction with the Services following any modification, substitution, or update to this Agreement shall constitute your acceptance of such changes.

Please note: this agreement includes a mandatory arbitration clause and a waiver of class action rights that affect your legal rights. You are required to review the entire agreement, including the arbitration and class action waiver sections. If you do not consent to these terms or any part thereof, including the arbitration provision and class action waiver, you must immediately cease use of the services.

Eligibility to Use the Services

Access to the Services is permitted solely to individuals who are either:

If you reside in a member state of the European Union, you hereby represent and warrant that you meet the legal age of majority under the applicable national laws and are legally permitted (either by operation of law or with the consent of a parent or legal guardian) to create an account and access or use the Services.

You warrant that you are of sound mind, have the capacity to contract, and agree to the terms and conditions contained within this Agreement. If you are using the Services on behalf of a business entity or third party, you warrant that you have actual authority to act as an agent of that business entity and third party and have the right and ability to agree to the terms of this Agreement on behalf of that third party or business entity.

Definitions

«User» refers to any individual who accesses the Services, whether as a registered account holder, a casual visitor, or an end user of the Services in any capacity.

«Content» encompasses all forms of material made available through the Services. This includes, without limitation, textual information, software code, executable scripts, visual elements, illustrations, photographs, audio clips, musical compositions, mobile software applications, video content, interactive media, and other similar items.

«User Submissions» or «User Engagement» shall denote all materials or content (such as but not limited to images, artwork, graphics, audio or video recordings, written text, data files, musical creations, literary works, software applications, embedded links, and other forms of communication or expressive content, whether in digital or physical format) that are uploaded, transmitted, or otherwise made available by Users through the Services, including any accompanying descriptive text.

The Services

OurTalk AI is a web-based platform developed to enable the creation of digital content through the use of artificial intelligence ("AI"), including large language models (LLMs). The Services enable Users to interact with AI assistants in various modes, such as conversational interfaces similar to chatbots, automated task handling, visual content generation (e.g., images), and other AI-powered utilities. Users can upload or provide input data, upon which the platform generates responses, content, or visual media accordingly.

  1. By using the Services, Users may generate, modify, or interact with AI-generated content. By submitting any content through the Services, you grant OurTalk AI a non-exclusive, irrevocable, perpetual, and worldwide license to utilize, store, reproduce, and display such content for purposes consistent with the functionality and intended operation of the Services. These include but are not limited to delivering the Services to you or others, performing system backups, maintaining data integrity, facilitating system migrations or transfers, and enabling continuity in the event of sale or restructuring of the Services. You further agree to waive any and all claims to rights of publicity and privacy associated with such content, to the extent permitted by applicable law.
  2. OurTalk AI bears no responsibility and liability for any User Engagement, third-party materials, syndicated content, embedded services, advertisements, or links that may appear within or in connection with the Services. The platform may contain hyperlinks to external websites or services that are not owned, managed, or controlled by OurTalk AI. This includes, but is not limited to, third-party AI tools, chatbot frameworks, or machine learning infrastructure integrated into the platform. OurTalk AI does not assume responsibility for the content, terms, privacy practices, or functionality of such external sites or services, and does not monitor, censor, or alter them in any manner. Your access to or interaction with any third-party website or service accessed via the platform is solely at your own risk.
  3. You understand and agree that any and all communications, interactions, or transactions conducted between you and third parties are solely and entirely between you and those third parties.
  4. You accept full responsibility for any charges or fees incurred as a result of accessing the Services, including but not limited to mobile data usage, roaming charges, or other connectivity-related costs.
  5. You are strictly prohibited from using automated tools or technologies (including, but not limited to, bots, crawlers, spiders, or scrapers) to collect, index, or otherwise access any portion of the Services, Content, or User Engagement, unless such activity complies with standard search engine indexing protocols and is explicitly authorized by OurTalk AI.
  6. The Services may occasionally experience temporary interruptions resulting from routine system maintenance, emergency repairs, infrastructure upgrades, or technical failures beyond OurTalk AI's control, such as outages in telecommunications networks. OurTalk AI shall not be liable for any delays, unavailability, or interruptions in the accessibility or performance of the Services caused by such circumstances.

Account and Access

In accordance with the terms of this Agreement, OurTalk AI grants you a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the Services solely for their intended and lawful purposes. Any use of the Services outside of their ordinary and intended scope, or in breach of this Agreement, shall result in the immediate revocation of this license. OurTalk AI reserves all rights not expressly granted herein and may revoke this license at its sole discretion and without prior notice.

Certain features of the Services are available only after you create a user account. You must not access another individual's account without valid authorization, and you must not request, harvest, or otherwise obtain other users' login credentials. During registration, you are required to submit information that is truthful, accurate, complete, and up to date. You are solely responsible for protecting your account credentials–including your password–and for all actions taken through your account. Although OurTalk AI disclaims responsibility for any unauthorized access to or use of your account, you may still be liable for any losses or harm caused to OurTalk AI or to third parties arising from such unauthorized use. If you suspect or become aware of any unauthorized access to your account or compromise of your credentials, you must immediately notify OurTalk AI at: support@ourtalk.ai.

You hereby agree not to sell, assign, license, or otherwise transfer your account, username, or any associated rights. The creation of accounts on behalf of third parties is strictly prohibited. You warrant and represent that you will only register an account for yourself and for your own use.

You additionally confirm that all information provided to OurTalk AI during registration (and at any subsequent time) has been and will continue to be accurate, truthful, complete, and current. You agree to promptly revise and update your account details whenever necessary to ensure that they remain correct and complete.

User Engagement and Responsibilities

You agree to use the Services exclusively in compliance with the terms of this Agreement and only for lawful and authorized purposes. OurTalk AI grants you a limited license to access and utilize the Services, contingent on your compliance with the following conditions:

All intellectual property associated with the Services (including but not limited to names, trademarks, service marks, logos, and branding of OurTalk AI) is owned by or licensed to OurTalk AI and is protected under U.S. and international copyright, trademark, and intellectual property laws.

OurTalk AI retains the right to utilize automated systems – including, but not limited to, machine learning algorithms and rule-based filters – to scan, monitor, and review content submitted by users in order to verify compliance with the terms of this Agreement.

Access to the Services may be suspended or terminated by OurTalk AI at any time and for any reason, with or without notice. If OurTalk AI suspects that you have violated any provision of this Agreement, it may also pursue legal remedies available under applicable law. Any breach of this Agreement will result in the immediate termination of your rights hereunder. Furthermore, OurTalk AI retains full discretion to deny or restrict access to the Services to any user at any time and for any or no reason.

Disclaimer Regarding AI-Generated Content

The Services provided by OurTalk AI rely on artificial intelligence technologies to generate content based on User input. Although the platform is designed to produce relevant, accurate, and meaningful results, AI-generated output may occasionally be unpredictable, contain errors, or include material that is inappropriate, inaccurate, or offensive.

OurTalk AI integrates and interacts with various third-party technologies and services, including but not limited to:

Grok by X.AI – governed by API Documentation, Terms of Service, Privacy Policy.

The use of any third-party resources or services embedded within OurTalk AI (collectively referred to as "third-party materials") may be subject to geographic limitations or jurisdictional availability. You may consult the official documentation provided by each provider for up-to-date country and territory restrictions.

OurTalk AI bears no responsibility or obligation to inform you of any updates, alterations, or newly implemented regional restrictions introduced by the aforementioned third-party providers. You further acknowledge that these third-party materials may rely on experimental or evolving technologies and, as such, may occasionally generate inaccurate, misleading, or offensive content. Any such outputs are produced autonomously by the respective third-party systems and do not represent or reflect the views, opinions, or intentions of OurTalk AI.

Subscriptions & Billing

The Services offered by OurTalk AI are accessible solely through a paid subscription model ("Subscription"). No features or functionality of the platform are accessible without an active Subscription.

Subscriptions are offered for specific time periods (e.g., weekly, monthly, annual or any other billing cycles) and provide access to all included features of the Services for the duration of the selected period ("Billing Cycle").

All payments for Subscriptions are processed through in-app purchases available via the relevant platform's billing system (for example, the Google Play Store or Apple App Store) or through a third-party processor. By purchasing a Subscription, you grant authorization to the platform provider or third-party processor to automatically charge your selected payment method for the full Subscription amount, including any applicable taxes. Renewals will occur automatically at the conclusion of each Billing Cycle unless you cancel your Subscription before the renewal date.

Subscriptions renew automatically unless canceled by the user through the subscription management interface of the respective app marketplace, through the interface of the application, or through the website. Cancellation will take effect at the conclusion of the current Billing Cycle, and you will retain access to the Services until that time. If a free trial is offered, any unused portion of that trial period will be forfeited upon activation of a paid Subscription, where applicable.

All listed Subscription prices may include or exclude applicable taxes depending on the user's location and the requirements of applicable law. Where required by law, the price displayed to the user at checkout will include applicable taxes, including, but not limited to, value-added tax (VAT) and local sales taxes. Any applicable taxes will be calculated and displayed before the purchase is completed.

By using the Services, in case of payment through third-party processors you agree to comply with their terms of service. By making a payment through a third-party processor, you acknowledge that your transaction data will be processed by such processor in accordance with their Privacy Policy. As a condition of OurTalk AI enabling payment processing services through a third-party processor, you agree to provide OurTalk AI accurate and complete information about you, and you authorise OurTalk AI to share it and transaction information related to your use of the payment processing services provided by any third-party processor.

In-App Purchases

OurTalk AI may include in-app purchases in the form of consumable virtual credits ("Credits") that can be used to access certain features or content within the Service ("In-App Purchases").

All In-App Purchases are processed (a) through the relevant platform's billing system and are governed by the store's own terms and conditions, or (b) through a third-party processor and are governed by their terms of service. By completing an In-App Purchase, you grant authorization to the platform provider or a third-party processor to charge your selected payment method for the full transaction amount, including any applicable taxes.

Credits can only be used within OurTalk AI. They have no monetary value, cannot be exchanged for cash, and cannot be transferred to another account or user.

If an In-App Purchase fails to be delivered or does not work as expected, please contact us and we will investigate the issue. We will act reasonably to resolve the problem, which may include issuing a replacement or, where necessary, directing you to request a refund through the platform.

We reserve the right to change the price, availability, or content of any In-App Purchase at any time. We will make reasonable efforts to notify you of any significant changes in advance.

If your account is terminated for any reason, any unused Credits will be permanently forfeited and will not be refunded, except where required by applicable law.

Refund Policy

This Refund Policy applies only to subscriptions purchased directly from OurTalk AI by payment card. Purchases made through the Apple App Store or Google Play are billed by the relevant platform, and refund requests must be submitted through that platform, except where we are able or required by applicable law to assist.

In case of purchase through the relevant platform's billing system, any refund requests, where permitted, must be submitted through the applicable app store's support system and are subject to that platform's refund policies. OurTalk AI has no control over, and cannot guarantee, the resolution or outcome of such refund requests.

By initiating content generation or otherwise accessing the Services following your Subscription purchase, you acknowledge and expressly consent to the immediate provision of digital content. As such, except where required by applicable law, subscription fees are non-refundable after the paid service has been materially used.

For a first-time purchase through a third-party processor, you may request a discretionary refund within 24 hours after payment, if at the time of your request you have used no more than five (5) in-app messages.

After 24 hours, or after the usage threshold above has been exceeded, subscription fees are non-refundable, except where required by applicable law.

Notwithstanding the above, if you are a resident of a European Union member state or the United Kingdom, you have the right to withdraw from your Subscription contract within fourteen (14) calendar days of initial purchase ("Cooling-Off Period"), in accordance with applicable consumer protection law. To exercise this right, you must notify us at support@ourtalk.ai before the Cooling-Off Period expires by sending us an unequivocal statement declaring your decision to withdraw.

Please note that you expressly consent to the immediate commencement of the digital content delivery upon purchase and acknowledge that you will lose your right of withdrawal once the digital content has been fully performed or materially used. If you have used more than five (5) in-app messages during the Cooling-Off Period, this shall constitute material use of the Service, and the right of withdrawal shall be deemed waived to the extent permitted by applicable law.

Where withdrawal is granted, OurTalk AI will reimburse all payments received from you no later than fourteen (14) days from the date on which we are informed of your decision to withdraw, using the same means of payment as used for the initial transaction.

In the event of technical failures that significantly impair your access to the Services, OurTalk AI may, at its sole discretion, offer compensation (such as an extension of Subscription time). This shall not be interpreted as an obligation to do so, nor as a waiver of any other terms of this Agreement.

Initiating a chargeback with your payment provider will result in the immediate termination of your Subscription and may lead to restrictions on future access to the Services. OurTalk AI reserves the right to dispute any chargeback that is deemed fraudulent, opportunistic, or in violation of applicable law or platform policy.

Cancellation does not automatically refund the current billing period, and you may continue to access the paid service until the end of the current billing period.

Accessibility Commitment

OurTalk AI is committed to providing inclusive and accessible Services for all users, including individuals with disabilities or those requiring specific accommodations. Reasonable efforts are made to ensure that both the platform and its related content are accessible in accordance with recognized accessibility standards.

In the design and ongoing development of its websites and digital interfaces, OurTalk AI endeavors to comply with the Web Content Accessibility Guidelines (WCAG) 2.0, Level AA, to promote equal access and usability.

While OurTalk AI works to provide the widest possible range of users, certain technical or functional limitations may still occur. If you experience any barriers while using the Services (such as difficulties viewing content, navigating the platform, or completing transactions) you are encouraged to contact the support team for assistance by emailing support@ourtalk.ai.

Disclaimer of Warranties

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE FOLLOWING DISCLAIMERS APPLY TO YOUR USE OF THE SERVICES.

YOUR USE OF THE SERVICES IS ENTIRELY AT YOUR OWN RISK. THE SERVICES (INCLUDING, BUT NOT LIMITED TO, THE PLATFORM INTERFACES, IN-APP FEATURES, USER-GENERATED CONTENT, DIGITAL MATERIALS, TRANSACTIONS, AND ALL ASSOCIATED SOFTWARE, DATA, AND FUNCTIONALITIES) ARE PROVIDED ON AN "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS" BASIS. TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW, OURTALK AI EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF USAGE OR TRADE PRACTICE.

OURTALK AI, ALONG WITH ITS AFFILIATED COMPANIES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS, PARTNERS, AND LICENSORS (COLLECTIVELY, THE "OURTALK AI PARTIES"), MAKE NO REPRESENTATION OR WARRANTY THAT:

OURTALK AI DISCLAIMS ANY AND ALL LIABILITY FOR THE CONDUCT, CONTENT, OR PRODUCTS OF ANY THIRD PARTIES THAT MAY BE ACCESSED OR DISPLAYED THROUGH THE SERVICES, INCLUDING VIA ADVERTISING, THIRD-PARTY LINKS, OR EMBEDDED FUNCTIONALITY. OURTALK AI DOES NOT WARRANT, ENDORSE, OR GUARANTEE ANY SUCH THIRD-PARTY SERVICES AND ASSUMES NO RESPONSIBILITY FOR ANY LOSS, DAMAGE, INJURY, OR OTHER CLAIM ARISING FROM YOUR DEALINGS WITH SUCH PARTIES. YOU AGREE THAT OURTALK AI IS NOT AND SHALL NOT BE A PARTY TO ANY TRANSACTION OR RELATIONSHIP BETWEEN YOU AND THIRD-PARTY PROVIDERS.

OURTALK AI MAKES NO REPRESENTATION OR WARRANTY THAT USE OF THE SERVICES IS LEGAL OR PERMISSIBLE IN ANY JURISDICTION. BY ACCESSING OR USING THE SERVICES, YOU REPRESENT AND WARRANT THAT YOUR ACTIVITIES ARE LAWFUL IN EVERY LOCATION FROM WHICH YOU ACCESS THE PLATFORM, AND YOU ASSUME FULL RESPONSIBILITY FOR COMPLIANCE WITH ALL LOCAL LAWS, RULES, AND REGULATIONS.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL OURTALK AI PARTIES BE LIABLE FOR ANY FORM OF DAMAGES OR LOSSES, WHETHER DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE, ARISING FROM OR RELATING TO:

IN NO EVENT SHALL THE TOTAL CUMULATIVE LIABILITY OF THE OURTALK AI PARTIES EXCEED ONE HUNDRED U.S. DOLLARS (USD $100), REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE.

EACH DISCLAIMER AND LIMITATION IN THIS AGREEMENT IS INTENDED TO ALLOCATE THE RISK BETWEEN THE PARTIES. THIS ALLOCATION IS A FUNDAMENTAL ELEMENT OF THE BARGAIN BETWEEN YOU AND OURTALK AI, AND EACH PROVISION IS SEVERABLE AND ENFORCEABLE INDEPENDENTLY OF THE OTHERS. THESE LIMITATIONS SHALL APPLY EVEN IF ANY REMEDY FAILS IN ITS ESSENTIAL PURPOSE.

YOU AGREE THAT ANY INJURIES OR LOSSES YOU MAY INCUR AS A RESULT OF ANY ACTION OR OMISSION BY OURTALK AI ARE NOT IRREPARABLE AND DO NOT ENTITLE YOU TO SEEK INJUNCTIVE OR EQUITABLE RELIEF TO PREVENT OR RESTRICT THE DEVELOPMENT, DISTRIBUTION, OR EXPLOITATION OF ANY WEBSITE, APPLICATION, SERVICE, OR CONTENT OWNED OR CONTROLLED BY THE OURTALK AI PARTIES.

YOU ACKNOWLEDGE THAT OURTALK AI IS NOT RESPONSIBLE FOR THE CONDUCT, CONTENT, OR ACTIONS OF ANY THIRD PARTY AND THAT THE RISK OF HARM OR LIABILITY RESULTING FROM SUCH THIRD-PARTY MATERIAL RESTS ENTIRELY WITH YOU.

BY ACCESSING THE SERVICES, YOU UNDERSTAND THAT YOU MAY BE WAIVING CERTAIN LEGAL CLAIMS THAT ARE UNKNOWN OR UNSUSPECTED AT THE TIME. TO THAT END, YOU EXPRESSLY WAIVE THE PROTECTIONS OF SECTION 1542 OF THE CALIFORNIA CIVIL CODE, AND ANY SIMILAR LAW IN ANY OTHER JURISDICTION, WHICH STATES: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR."

OURTALK AI DISCLAIMS RESPONSIBILITY FOR THE ACTIONS, CONTENT, INFORMATION, OR DATA OF ANY THIRD PARTIES. YOU HEREBY RELEASE THE OURTALK AI PARTIES FROM ANY AND ALL CLAIMS OR DAMAGES, KNOWN OR UNKNOWN, ARISING FROM OR RELATED TO DISPUTES WITH ANY THIRD PARTY TO THE FULLEST EXTENT PERMITTED BY LAW.

Indemnification

You agree to defend, indemnify, and hold harmless OurTalk AI from and against any and all claims, demands, actions, liabilities, losses, damages, obligations, costs, and expenses (including reasonable attorneys' fees) arising from or related to:

You agree to cooperate fully, at your own expense, with OurTalk AI in the defense of any such claim.

This indemnification obligation shall survive the termination of this Agreement and your use of the Services.

Assignment

You are prohibited from assigning, delegating, sublicensing, or otherwise transferring this Agreement, or any of your rights or obligations under it, without the prior written consent of OurTalk AI. Any attempted assignment or transfer made in breach of this provision shall be deemed invalid and without legal effect.

OurTalk AI, however, reserves the right to assign or transfer this Agreement, in whole or in part, at any time and without restriction, including in connection with a merger, acquisition, sale of assets, or corporate reorganization.

Governing Law and Arbitration

You agree any and all claims arising out of or related to your use of the Services shall be exclusively brought in Nicosia, Cyprus. You specifically agree to the exclusive jurisdiction in Nicosia, Cyprus. This agreement is to be governed exclusively by Cyprus law. No other forum or choice of law is acceptable. In the event OurTalk AI prevails in any action arising out of or related to this Agreement, OurTalk AI shall be entitled to its reasonable attorney's fees, court costs, and all other expenses, whether or not taxable by the court as costs, in addition to any other relief it may be entitled.

You and OurTalk AI agree that any dispute, claim, or controversy arising out of or in relation to this Agreement or the applicability, breach, termination, validity, enforcement, or interpretation thereof, or to the purchase of or use of In-App Purchases purchased through the Services, will be settled by binding individual arbitration. If there is a dispute about whether this arbitration clause can be enforced or applies to the dispute between You and OurTalk AI, You and OurTalk AI agree that the arbitrator will decide that issue. Notwithstanding the foregoing, You and OurTalk AI each agree that any claim related to actual or threatened infringement, misappropriation, or violation of a party's copyrights, trademarks, trade secrets, patents, or other intellectual property rights will not be subject to this arbitration clause or arbitration.

The arbitration will be administered under Cyprus Arbitration and Mediation Centre's most recent Commercial Arbitration Rules then in effect except whereas modified herein. The arbitration will be conducted in Nicosia, Cyprus and will be decided by a single arbitrator randomly selected from a list of neutral arbitrators maintained by the Cyprus Arbitration and Mediation Centre. Judgment on any award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator will be provided with the right to award costs and attorneys' fees to the prevailing Party. This arbitration will be held in Nicosia, Cyprus and both Parties agree that they will be required to be present in Nicosia, Cyprus for arbitration under the terms of this Agreement and hereby submit to exclusive personal jurisdiction in Nicosia, Cyprus. The arbitrator will apply the laws of Cyprus in deciding any controversy or claim pursuant to this arbitration clause.

Both you and OurTalk AI acknowledge and expressly agree to waive the right to a trial by jury as to all arbitrable disputes.

You and OurTalk AI acknowledge and expressly agree that, to the fullest extent permitted under the law, each are waiving the right to participate as a plaintiff or class member in any class action lawsuit, class arbitration, or private attorney general action. If this class action waiver is held unenforceable with respect to the dispute between the Parties, the Parties agree that the entirety of the arbitration clause will be deemed void with respect to such dispute and the dispute must proceed in court.

General

This Agreement and the Privacy Policy, as well as any additional legal notices or supplemental terms published by OurTalk AI through the Services, constitutes the complete and exclusive agreement between you and OurTalk AI regarding your access to and use of the Services. It fully replaces and supersedes all prior agreements, representations, negotiations, or communications, whether written or oral, concerning the same subject matter.

If any provision of this Agreement is found to be unlawful, invalid, or unenforceable by a court of competent jurisdiction, such provision shall be enforced to the maximum extent permissible, and the remainder of the Agreement shall continue in full force and effect.

The failure of OurTalk AI to exercise or enforce any right or provision under this Agreement shall not constitute a waiver of such right or provision. Any waiver must be expressly made in writing to be legally effective and shall not constitute a continuing or future waiver of any other rights or provisions.

OurTalk AI reserves the right to revise, amend, or update this Agreement at any time without prior notification. It is your sole responsibility to periodically review the Agreement for any changes. Continued use of the Services after any changes are posted shall constitute your acceptance of the revised terms.

YOU AND OURTALK AI AGREE THAT ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE SERVICES MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE. OTHERWISE, IT SHALL BE PERMANENTLY BARRED.

© 2026 by OurTalk AI