Terms of Service

These Terms and Conditions (the "Terms") govern the relationship between you and Human Matrix AI Hub FZ-LLC, a legal entity incorporated under the laws of the United Arab Emirates ("U.A.E."), having its mailing address Meydan Grandstand, 6th floor, Meydan Road, Nad Al Sheba, Dubai, U.A.E. ("we" "us" "our" or the "Company") regarding your use of the Company's website and other services (the "Website" or the "Service"), including all textual, graphic, video, music, software and other content available through the Service (the "Content").

Your access and use of the Service constitutes your agreement to be bound by these Terms, which establish a legally binding contractual relationship between you and the Company. For this reason, PLEASE READ THE TERMS CAREFULLY BEFORE USING THE SERVICE.

Please review also our Privacy Policy. The terms of the Privacy Policy and other supplemental terms, policies or documents that may be posted on the Service from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Terms at any time and for any reason.

Any translation from English version is provided for your convenience only. In the event of any difference in meaning or interpretation between the English language version and any translation, the English language version will prevail.

Unless otherwise expressly provided herein, we will alert you about any changes by updating the "Last updated" date of these Terms and you waive any right to receive specific notice of each such change.

IF YOU DO NOT AGREE WITH ANY PART OF THESE TERMS, OR IF YOU ARE NOT ELIGIBLE OR AUTHORIZED TO BE BOUND BY THESE TERMS, THEN DO NOT ACCESS OR USE THE WEBSITE AND THE SERVICE.

We make no guarantees that (i) the Service will meet your requirements, (ii) the Service will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the use of the Service will be accurate or reliable, or (iv) the quality of any products, services, information, or other material purchased or obtained by you through the Service will meet your expectations or will provide any benefit.

Not all information described in the App are suitable for everyone. The Service is intended only as a tool which may be useful in achieving your overall lifestyle goals. You acknowledge that if your activities encouraged or inspired by the Service involve any risks, you assume those risks and understand and agree that you take full responsibility for your health, life and well-being, as well as the health, lives and well-being of your family and children (born and unborn, as applicable), and all decisions now or in the future.

Information provided through our Service is for informational and entertainment purposes only. The Service is not intended to be a substitute for any professional advice, including but not limited to (a) professional medical or psychiatric advice, diagnosis, or treatment, or (b) professional financial or investment advice or guidance, or (c) professional legal advice. Never disregard or delay seeking professional medical advice or other professional advice. Your reliance on the information provided by the Service is solely at your own election or choice. Any and all decisions that you make that are based in whole or in part upon information provided by the Service will be your sole and exclusive responsibility.

In order to use certain features of the Service, you may need to register an account ("Account") and provide certain information about yourself as prompted by the registration form.

If you register an Account, you represent and warrant to the Company that: (i) all required registration information you submit is truthful and accurate; (ii) you will maintain the accuracy of such information; and (iii) your use of the Service does not violate any applicable law or regulation or these Terms. Otherwise, the Service may not operate correctly, and we may not be able to contact you with important notices.

The Service is not intended to be used by individuals under age of 16. You hereby represent and warrant to the Company that you meet the foregoing qualification. All users who are minors in the jurisdiction in which they reside (generally under the age of 13) must have the permission of, and be directly supervised by, their parent or guardian to use the Service. If you are a minor, you must have your parent or guardian read and agree to these Terms prior to you using the Service.

The Company reserves the right to suspend or terminate your Account, or your access to the Service, with or without notice to you, in the event that you breach these Terms.

You are responsible for maintaining the confidentiality of your Account login information and are fully responsible for all activities that occur under your Account. You agree to immediately notify the Company of any unauthorized use, or suspected unauthorized use of your Account or any other breach of security. The Company cannot and will not be liable for any loss or damage arising from your failure to comply with the above requirements.

If you use the Service, you represent and warrant to the Company that: (i) all required information you submit is truthful and accurate; (ii) your use of the Service does not violate any applicable law or regulation or these Terms.

The Company reserves the right to suspend or terminate your use of Service, or your access to the Service, with or without notice to you, in the event that you breach these Terms.

The Service may be modified, updated, interrupted or suspended at any time without notice to you or our liability.

You are solely responsible for obtaining the equipment and telecommunication services necessary to access the Service, and all fees associated therewith (such as computing devices and Internet service provider and airtime charges).

We retain the right to implement any changes to the Service (whether to free or paid features) at any time, with or without notice. You acknowledge that a variety of Company's actions may impair or prevent you from accessing the Service at certain times and/or in the same way, for limited periods or permanently, and agree that the Company has no responsibility or liability as a result of any such actions or results, including, without limitation, for the deletion of, or failure to make available to you, any content or services.

Your access to and use of the Service is at your own risk. To the extent permitted by law, the Company will have no responsibility for any harm to your computing system, loss of data, or other harm to you or any third party, including, without limitation, any bodily harm, that results from your access to or use of the Service, or reliance on any information or advice.

The Company has no obligation to provide you with customer support of any kind. However, the Company may provide you with customer support from time to time, at the Company's sole discretion.

The Service may contain links to third party websites or resources and advertisements for third parties (collectively, "Third-Party Ads"). Such Third-Party Ads are not under the control of the Company and the Company is not responsible for any Third-Party Ads. The Company provides these Third-Party Ads only as a convenience and does not review, approve, monitor, endorse, warrant, or make any representations with respect to Third-Party Ads. You acknowledge sole responsibility for and assume all risk arising from your use of any such websites or resources. When you link to a third-party site, the applicable service provider's terms and policies, including privacy and data gathering practices govern.

You hereby release us, our officers, employees, agents and successors from claims, demands any and all losses, damages, rights, claims, and actions of any kind including personal injuries, death, and property damage, that is either directly or indirectly related to or arises from any interactions with or conduct of any users of the Service, or any Third-Party Ads.

Subject to these Terms, the Company grants you a non-transferable, non-exclusive, revocable license (without the right to sublicense) to use the Service solely for your personal, non-commercial purposes.

You acknowledge that all the text, images, marks, logos, compilations, data, other content, software and materials displayed on the Service or used by the Company to operate the Service (including the Content and excluding any User Content) is proprietary to us or to third parties.

The Company expressly reserves all rights, including all intellectual property rights, in all of the foregoing, and except as expressly permitted by these Terms, any use, redistribution, sale, decompilation, reverse engineering, disassembly, translation or other exploitation of them is strictly prohibited.

The information you submit to us and any data, text and other material that you may submit to the Service ("User Content") remain your intellectual property, and the Company does not claim any ownership of the copyright or other proprietary rights in such registration information and the User Content. Notwithstanding the foregoing, you agree that the Company may retain copies of the User Content and use it as reasonably necessary for or incidental to its operation of the Service and as described in these Terms and the Privacy Policy.

You grant the Company the non-exclusive, worldwide, transferable, perpetual, irrevocable right to publish, distribute, publicly display and perform the User Content in connection with the Service.

Each user of the Service is solely responsible for any and all his or her User Content. Because we do not control the User Content, you acknowledge and agree that we are not responsible for any User Content and we make no guarantees regarding the accuracy, currency, suitability, or quality of any User Content. Your interactions with other Service users are solely between you and such user. You agree that the Company will not be responsible for any loss or damage incurred as the result of any such interactions.

Certain features of the Service, such as extended interactions with the HumanMatrix.AI Chat ("HMX AI Chat"), require a paid subscription. Users may access different subscription plans (the "Subscription(s)") that provide varying levels of access to modules, daily insights, and query allowances.

To increase the number of available AI queries, you may purchase additional tokens ("Decode Credits"). Decode Credits allow you to ask more questions and unlock deeper insights from the HumanMatrix.AI Chat.

You may purchase Subscriptions or Decode Credits using a credit card, debit card, PayPal account, or any other payment method available on the Service (the "Payment Method").

Decode Credits are deducted from your balance each time you initiate an AI query. The number of Credits required per query is displayed within the Service.

Subscribers may use the optional Auto-Refill feature, which automatically replenishes their Decode Credits when the balance falls below a specified threshold. This ensures uninterrupted access to AI queries.

If Auto-Refill is enabled, you authorize the Company to automatically top-up your Decode Credits for the default top-up amount displayed in the Service, until you cancel. You will be notified in advance and each time an Auto-Refill occurs through in-app notifications and/or email. You may deactivate the Auto-Refill feature anytime in your account settings.

When topping up Decode Credits, the Company will charge the Payment Method you have used for previous purchases unless you update your preferred payment method.

To the maximum extent permitted by applicable law, we may change our pricing or payment terms at any time. We will provide reasonable notice of such changes by posting updates through the Service and/or sending email notifications.

By subscribing or purchasing Decode Credits, you authorize us to charge the applicable fees to your selected Payment Method.

To the extent permitted by law, all purchases made through our website or mobile app are non-refundable and non-exchangeable, unless otherwise stated herein or required by applicable law.

By using the Service, you represent and warrant that:

• You have the legal capacity and you agree to comply with these Terms;
• You are not under the age of 13;
• You will not access the Service through automated or non-human means, whether through a bot, script or otherwise;
• You will not use the Service for any illegal or unauthorized purpose;
• You are not located in a country that is subject to a U.S. government embargo, or that has been designated by the U.S. government as a "terrorist supporting" country;
• You are not listed on any U.S. government list of prohibited or restricted parties; and
• Your use of the Service will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to refuse any and all current or future use of the Service (or any portion thereof).

You may not access or use the Service for any purpose other than that for which we make the Service available. The Service may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.

The Website, Content and other aspects of the Service are provided "as is" and "as available". The Website, Content and other aspects of the Service are provided without representation or warranty of any kind, express or implied, including, but not limited to, the implied warranties of title, non-infringement, integration, merchantability and fitness for a particular purpose, and any warranties implied by any course of performance or usage of trade, all of which are expressly disclaimed.

The Company and its affiliates, licensors and suppliers do not warrant that: (i) the Service, Content or other information will be timely, accurate, reliable or correct; (ii) the Service will be secure or available at any particular time or place; (iii) any defects or errors will be corrected; (iv) the Service will be free of viruses or other harmful components; or (v) any result or outcome can be achieved.

In no event shall we (and our affiliates) be liable to you or any third party for any lost profit or any indirect, consequential, exemplary, incidental, special or punitive damages arising from these Terms or your use of, or inability to use, the Service (including the Website or Content), or Third-Party Ads, even if we have been advised of the possibility of such damages. Access to, and use of, the Service (including the Website, Content and User Content), and Third-Party Ads are at your own discretion and risk, and you will be solely responsible for any damage to your computing system or loss of data resulting therefrom.

Notwithstanding anything to the contrary contained herein, you agree that the aggregate liability of the Company to you for any and all claims arising from the use of the Website, Content or Service is limited to the amounts you have paid to the Company for the Service. The limitations of damages set forth above are fundamental elements of the basis of the Terms between the Company and you.

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitation or exclusion may not apply to you and you may also have other legal rights that vary from jurisdiction to jurisdiction.

You agree to indemnify and hold the Company, its successors, subsidiaries, affiliates, any related companies, its suppliers, licensors and partners, and the officers, directors, employees, agents and representatives of each of them harmless, including costs and attorneys' fees, from any claim or demand made by any third party due to or arising out of (i) your use of the Service, (ii) your User Content, or (iii) your violation of these Terms.

The Company reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us and you agree to cooperate with our defense of these claims. You agree not to settle any matter without the prior written consent of the Company. The Company will use reasonable efforts to notify you of any such claim, action or proceeding upon becoming aware of it.

The Company makes no representation that the Service is accessible, appropriate or legally available for use in your jurisdiction, and accessing and using the Service is prohibited from territories where doing so would be illegal. You access the Service at your own initiative and are responsible for compliance with local laws.

You agree that you may only bring a claim in your individual capacity and not as a plaintiff (lead or otherwise) or class member in any purported class or representative proceeding. You further agree that the arbitrator may not consolidate proceedings or claims or otherwise preside over any form of a representative or class proceeding.

You and the Company, and each of its respective agents, corporate parents, subsidiaries, affiliates, predecessors in interest, successors, and assigns, agree to arbitration (except for matters that may be taken to small claims court), as the exclusive form of dispute resolution except as provided for below, for all disputes and claims arising out of or relating to this Agreement, the Service, or the Privacy Policy, unless you are located in a jurisdiction that prohibits the exclusive use of arbitration for dispute resolution.

Arbitration is more informal way to settle disputes than a lawsuit in court. A neutral arbitrator instead of a judge or jury is used in arbitration, which allows for more limited discovery than in court, and is subject to very limited review by courts. The same damages and relief that a court can award can be awarded by arbitrators.

A party which intends to seek arbitration must first send to the other a written notice of intent to arbitrate (a "Notice") by an international courier with a tracking mechanism, or via e-mail. The Notice to the Company must be addressed to: Meydan Grandstand, 6th floor, Meydan Road, Nad Al Sheba, Dubai, U.A.E. (the "Arbitration Notice Address"). The Notice shall (i) describe the basis and nature of the claim or dispute; and (ii) set the specific relief sought (the "Demand"). If you and the Company do not reach an agreement to resolve the claim within 30 days after the Notice is received, then you or we may commence an arbitration proceeding or file an individual claim in small claims court.

The American Arbitration Association ("AAA") will exclusively administer the arbitration in accordance with its Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes (the "Rules"), as modified by these Terms.

The arbitration shall be conducted exclusively in English. A single, independent and impartial arbitrator with his or her primary place of business in Alexandria, Virginia (if you are from the United States) or in Dubai, U.A.E. (if you are not from the United States) will be appointed pursuant to the Rules.

You and the Company agree to comply with the following rules: (i) the arbitration will be conducted online and/or be solely based on written submissions; (ii) the arbitration will not require any personal appearance by the parties or witnesses unless otherwise mutually agreed in writing; and (iii) any judgment on the award the arbitrator renders may be entered in any court of competent jurisdiction.

To the fullest extent permitted under law, you and the Company agree that you and the Company may bring claims against the other only in your or its individual capacity and not as a plaintiff or class member in any purported class, representative, or consolidated proceeding. Further, you agree that the arbitrator may not consolidate proceedings of more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding, and that if this specific provision is found to be unenforceable, then the entirety of this mandatory arbitration section will be null and void.

The arbitrator shall have the exclusive and sole authority to resolve any dispute relating to the interpretation, construction, validity, applicability, or enforceability of these Terms, Privacy Policy, and this arbitration provision.

Barring extraordinary circumstances, the arbitrator will issue his or her final, confidential decision within 120 days from the date the arbitrator is appointed. All arbitration proceedings will be closed to the public and confidential, and all records relating thereto will be permanently sealed, except as necessary to obtain court confirmation of the arbitration award.

The above stated provisions of this Section 12 shall not apply to any claim in which either party seeks equitable relief to protect such party's copyrights, trademarks, patents, or other intellectual property.

You and we agree that any claim arising out of or related to these Terms (including the Privacy Policy) or the Service, excluding a claim for indemnification, must be initiated with the AAA or filed in small claims court in Alexandria, Virginia within one (1) year after the claim accrues. Otherwise, such cause of action is permanently and forever barred.

The laws of U.A.E., excluding its conflicts of law principles, govern these Terms and your use of the Service.

To the extent that any action relating to any dispute hereunder is permitted to be brought in a court of law, such action will be subject to the exclusive jurisdiction of:

• The state and federal courts in the City of Alexandria, Virginia – if you are a resident of the United States; or
• The courts of U.A.E., Dubai – if you are not a resident of the United States;

and you hereby irrevocably submit to personal jurisdiction and venue in such courts, and waive any defense of improper venue or inconvenient forum.

No delay or omission by us in exercising any of our rights occurring upon any noncompliance or default by you with respect to these Terms will impair any such right or be construed to be a waiver thereof, and a waiver by the Company of any of the covenants, conditions or agreements to be performed by you will not be construed to be a waiver of any succeeding breach thereof or of any other covenant, condition or agreement hereof contained.

Subject to Section 13, if any provision of these Terms is found to be invalid or unenforceable, then these Terms will remain in full force and effect and will be reformed to be valid and enforceable while reflecting the intent of the parties to the greatest extent permitted by law.

Except as otherwise expressly provided herein, these Terms set forth the entire agreement between you and the Company regarding its subject matter, and supersede all prior promises, agreements or representations, whether written or oral, regarding such subject matter.

The Company may transfer or assign any and all of its rights and obligations under these Terms to any other person, by any way, including by novation, and by accepting these Terms you give the Company consent to any such assignment and transfer.

All information communicated on the Service is considered an electronic communication. When you communicate with us through or on the Service or via other forms of electronic media, such as e-mail, you are communicating with us electronically. You agree that we may communicate electronically with you and that such communications, as well as notices, disclosures, agreements, and other communications that we provide to you electronically, are equivalent to communications in writing and shall have the same force and effect as if they were in writing and signed by the party sending the communication.

You further acknowledge and agree that by clicking on a button labeled "SUBMIT", "CONTINUE", "ADD TO CART", "PAY" or similar links or buttons, you are submitting a legally binding electronic signature and are entering into a legally binding contract. You hereby agree to the use of electronic signatures, contracts, orders and other records and to electronic delivery of notices, policies and records of transactions initiated or completed through the Service.

In no event shall the Company be liable for any failure to comply with these Terms to the extent that such failure arises from factors outside the Company's reasonable control.

If you want to send any notice under these Terms or have any questions regarding the Service, you may contact us at:

contact@humanmatrix.ai