1.AGREEMENT TO TERMS

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Merlin AI ("Company," "we," "us," or "our") regarding your use of the Merlin AI platform, including all services, features, and content (collectively, the "Service").

By accessing, using, or registering for the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not use the Service. Your continued use of the Service after any modifications to these Terms constitutes acceptance of the modified Terms.

You represent and warrant that you are at least 18 years old and have the legal capacity to enter into this agreement. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2.SERVICE DESCRIPTION

Merlin AI provides an artificial intelligence platform offering conversational AI, image generation, content creation, and related services. The Service includes but is not limited to:

• AI-powered conversational interfaces and chatbots
• Image generation, editing, and transformation services
• Content creation and text generation
• File upload, processing, and analysis
• Subscription and payment processing
• User data management and storage

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time without prior notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service.

3.ACCEPTABLE USE POLICY

You agree to use the Service only for lawful purposes and in accordance with these Terms. You are prohibited from using the Service:

• To violate any applicable federal, state, local, or international law or regulation
• To transmit or facilitate the transmission of any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable
• To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity
• To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Service
• To attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Service
• To use any robot, spider, or other automatic device, process, or means to access the Service
• To introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful
• To reverse engineer, decompile, or disassemble any portion of the Service
• To scrape, crawl, or spider any content from the Service
• To use the Service for commercial purposes without our express written consent

We reserve the right to terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

4.USER CONTENT AND INTELLECTUAL PROPERTY

User Content: You retain ownership of any content you submit, post, or display on or through the Service ("User Content"). By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free, transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform such User Content in connection with the Service and our business.

AI-Generated Content: Content generated by our AI systems ("AI Content") is provided for your use subject to these Terms. You may use AI Content for lawful purposes, but you acknowledge that:

• AI Content may not be unique and similar content may be generated for other users
• We make no representations about the accuracy, completeness, or usefulness of AI Content
• You are responsible for verifying and validating any AI Content before relying on it
• AI Content should not be used for critical decisions without human verification

Prohibited Content: You may not submit, generate, or request content that:

• Contains illegal, harmful, threatening, abusive, harassing, defamatory, or obscene material
• Infringes on intellectual property rights or privacy rights of others
• Contains personal information of third parties without consent
• Promotes illegal activities, violence, or discrimination
• Contains malware, viruses, or other harmful code

Service Intellectual Property: The Service and its original content, features, and functionality are and will remain the exclusive property of the Company and its licensors. The Service is protected by copyright, trademark, and other laws.

5.SUBSCRIPTIONS AND PAYMENTS

Subscription Plans: We offer various subscription plans with different features and usage limits. Subscription fees are billed in advance on a recurring basis. You authorize us to charge your payment method for all fees associated with your subscription.

Payment Methods: We accept payments through:

• Credit cards and debit cards processed by Stripe
• Cryptocurrency payments (USDT, MCRT) through approved payment processors
• Other payment methods as may be offered from time to time

Payment Terms:

• All fees are non-refundable except as required by law or as expressly stated in these Terms
• Subscription fees are charged automatically on the renewal date
• Failed payments may result in suspension or termination of your account
• Price changes will be communicated in advance and will apply to the next billing cycle
• You are responsible for all taxes associated with your use of the Service

Cancellation: You may cancel your subscription at any time through your account settings. Cancellation will take effect at the end of the current billing period. No refunds will be provided for partial billing periods.

Usage Limits: Subscription plans include usage limits for messages, image generations, and other features. Exceeding these limits may result in additional charges or service restrictions.

6.PRIVACY AND DATA PROTECTION

Data Collection: We collect and process personal data in accordance with our Privacy Policy. By using the Service, you consent to such processing and warrant that all data provided is accurate.

Local Storage: The Service uses browser local storage to enhance functionality and user experience. You acknowledge that:

• Data stored locally is subject to your browser's security and privacy settings
• Clearing browser data may result in loss of stored information
• We are not responsible for data loss due to browser settings or technical issues

Data Security: We implement reasonable security measures to protect your data, but we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials.

Data Retention: We retain your data for as long as necessary to provide the Service and comply with legal obligations. You may request deletion of your data subject to our data retention policies.

7.ADULT CONTENT AND AGE RESTRICTIONS

Age Verification: Certain features of the Service may include adult content or mature themes. You must be at least 18 years old to access such content. We may require age verification for certain features.

Adult Content Guidelines: When using adult content features:

• You must be of legal age in your jurisdiction
• Content must comply with applicable laws and regulations
• You may not generate content involving minors or non-consensual activities
• You are responsible for ensuring compliance with local laws

Content Moderation: We reserve the right to review, moderate, or remove any content that violates these Terms or applicable laws. We may suspend or terminate accounts that repeatedly violate content guidelines.

8.FINANCIAL DATA AND INVESTMENT INFORMATION DISCLAIMER

IMPORTANT NOTICE: The Service may display financial data, market information, investment metrics, and related content ("Financial Information"). By accessing or using any Financial Information through the Service, you acknowledge and agree to the following:

Not Financial Advice: THE FINANCIAL INFORMATION PROVIDED IS FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE:

• Investment advice or recommendations
• Financial, trading, or investment guidance
• An offer or solicitation to buy or sell any securities
• Tax, legal, or accounting advice
• A recommendation of any specific investment strategy

No Fiduciary Relationship: Nothing in the Service creates a fiduciary relationship between you and Merlin AI. We are not registered as an investment advisor, broker-dealer, or financial institution with any regulatory authority.

Data Accuracy and Timeliness: Financial Information may be:

• Delayed, outdated, or cached for performance reasons
• Derived from third-party sources we do not control
• Subject to errors, omissions, or inaccuracies
• Based on estimates, projections, or historical data
• Incomplete or missing for certain securities or markets

Investment Risks: YOU ACKNOWLEDGE THAT:

• All investments carry risk, including potential loss of principal
• Past performance does not guarantee future results
• Market conditions can change rapidly and unpredictably
• You are solely responsible for your investment decisions
• You should consult qualified professionals before making investment decisions

Scoring and Indicators: Any scores, ratings, indicators (including but not limited to RSI, MACD, P/E ratios, revenue growth), or buy/sell/hold signals displayed are:

• Generated using algorithmic calculations that may contain errors
• Based on simplified models that do not account for all market factors
• Not personalized to your financial situation or investment objectives
• Not a substitute for professional financial analysis
• Subject to change without notice

Third-Party Data: Financial Information may be sourced from third-party providers including but not limited to Yahoo Finance, Alpha Vantage, CoinGecko, Binance, and others. We do not verify, endorse, or guarantee the accuracy of third-party data.

Cryptocurrency Disclaimer: Cryptocurrency markets are highly volatile and speculative. Cryptocurrency investments are not insured by any government agency and carry additional risks including but not limited to regulatory changes, technical vulnerabilities, and market manipulation.

NO WARRANTY: ALL FINANCIAL INFORMATION IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. WE EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, COMPLETENESS, TIMELINESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

LIMITATION OF LIABILITY: TO THE FULLEST EXTENT PERMITTED BY LAW, MERLIN AI, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY LOSSES, DAMAGES, OR COSTS ARISING FROM:

• Your use of or reliance on any Financial Information
• Investment decisions made based on the Service
• Errors, delays, or interruptions in Financial Information
• Loss of profits, revenue, or investment capital
• Any direct, indirect, incidental, special, consequential, or punitive damages

Indemnification: You agree to indemnify, defend, and hold harmless Merlin AI and its affiliates from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from your use of Financial Information or investment decisions.

⚠️ IMPORTANT: By using any Financial Information features, you acknowledge that you have read, understood, and agreed to this disclaimer. If you do not agree, you must not use these features. Always conduct your own research and consult with qualified financial advisors before making investment decisions.

9.GENERAL DISCLAIMERS AND LIMITATIONS

Service Availability: The Service is provided on an "as is" and "as available" basis. We do not guarantee that the Service will be uninterrupted, secure, or error-free. We may temporarily suspend the Service for maintenance or updates.

AI Limitations: You acknowledge that:

• AI-generated content may contain inaccuracies or errors
• AI responses are not professional advice and should not be relied upon for critical decisions
• AI systems may occasionally produce unexpected or inappropriate content
• We are not responsible for any consequences of relying on AI-generated content

Third-Party Services: The Service may integrate with third-party services. We are not responsible for the availability, accuracy, or content of such services.

No Warranties: TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

10.LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE COMPANY, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your use or inability to use the Service
• Any unauthorized access to or alteration of your transmissions or data
• Any other matter relating to the Service
• Reliance on AI-generated content or responses
• Loss or corruption of data stored locally or in the cloud
• Service interruptions or technical failures

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE AMOUNT PAID BY YOU TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

11.INDEMNIFICATION

You agree to defend, indemnify, and hold harmless the Company, its directors, employees, partners, agents, suppliers, and affiliates from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party right, including without limitation any copyright, property, or privacy right
• Any claim that your User Content caused damage to a third party
• Your violation of any applicable law or regulation

12.TERMINATION

Termination by You: You may terminate your account at any time by contacting us or through your account settings.

Termination by Us: We may terminate or suspend your account immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms.

Effect of Termination: Upon termination:

• Your right to use the Service will cease immediately
• We may delete your account and associated data
• Any provisions of these Terms that by their nature should survive termination shall survive
• No refunds will be provided for unused subscription periods

13.GOVERNING LAW AND DISPUTE RESOLUTION

Governing Law: These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which the Company operates, without regard to its conflict of law provisions.

Dispute Resolution: Any dispute arising from or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in English and the seat of arbitration shall be in the jurisdiction of the Company's principal place of business.

Class Action Waiver: You agree that any arbitration shall be conducted on an individual basis and not as a class action. You waive any right to participate in a class action lawsuit or class-wide arbitration.

14.MISCELLANEOUS

Entire Agreement: These Terms constitute the entire agreement between you and the Company regarding the Service and supersede all prior agreements and understandings.

Severability: If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced.

Waiver: The failure of the Company to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.

Assignment: You may not assign or transfer these Terms or your account without our written consent. We may assign these Terms without restriction.

Contact Information: If you have any questions about these Terms, please contact us at legal@merlintheai.com.

15.CHANGES TO TERMS

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the new Terms on this page and updating the "Effective Date" at the top. Your continued use of the Service after such modifications constitutes acceptance of the updated Terms. If you do not agree to the modified Terms, you must discontinue use of the Service.