Terms of Use

1. Agreement to these terms

These Terms of Use form a binding agreement between you and Swish World Group Inc. and apply whenever you access or use GabbyAI.

Our Privacy Policy explains how we collect and use personal information and should be read alongside these terms.

Additional terms may apply to particular subscriptions, APIs, integrations, enterprise products or promotional features. If additional terms conflict with these terms, the additional terms apply to the relevant feature.

2. Who provides GabbyAI

GabbyAI is operated by:

3. Eligibility

You must be at least 13 years old to use GabbyAI.

If you are under the legal age of majority where you live, you may use GabbyAI only with the permission and supervision of a parent or legal guardian.

You may not use GabbyAI if:

• You are legally prohibited from receiving the service.
• Your access has previously been permanently terminated for a serious violation.
• You are acting for an organisation without authority to bind that organisation.

If you use GabbyAI for a business or organisation, you represent that you have authority to accept these terms on its behalf.

4. Accounts and account security

Some GabbyAI features require an account. You agree to provide accurate and current registration information.

You are responsible for:

• Keeping your password confidential.
• Securing the devices you use to access GabbyAI.
• Activity carried out through your account.
• Promptly notifying us if you suspect unauthorised access.

You must not sell, share, transfer or make your account available to another person unless we expressly permit it.

We may require email verification, additional authentication or reasonable identity checks where necessary to secure an account or respond to a legal requirement.

5. The GabbyAI service

GabbyAI allows users to submit prompts and receive responses generated by artificial intelligence systems.

Features may include:

• AI-generated conversational responses.
• Conversation creation and history.
• Account and session management.
• Writing, planning, coding and research assistance.
• Additional tools and integrations introduced over time.

We may improve, modify, replace, limit or discontinue features as the service develops. We do not guarantee that every feature will remain available permanently.

6. AI-generated output

You acknowledge that:

• Responses are generated automatically and may not reflect the views of Swish World Group Inc.
• Similar or identical output may be generated for other users.
• Output may contain factual, logical, coding or attribution errors.
• Output may not be original, unique or eligible for legal protection.
• You are responsible for deciding whether output is suitable for your intended purpose.

6.1 No professional advice

GabbyAI does not provide professional medical, legal, financial, tax, accounting, engineering, safety or other regulated advice.

You should consult a suitably qualified professional before making decisions that could materially affect your health, safety, liberty, legal rights, finances or other important interests.

6.2 Emergencies

GabbyAI is not an emergency service. Do not use GabbyAI to contact emergency responders or as your only source of help during an emergency.

6.3 Decisions about people

You must not rely solely on GabbyAI output to make high-impact decisions about another person, including decisions concerning employment, housing, education, insurance, credit, healthcare or access to essential services.

7. Acceptable use

You must use GabbyAI lawfully and responsibly.

You must not use GabbyAI to:

• Commit, facilitate or encourage unlawful conduct.
• Exploit, abuse or endanger children.
• Create, request, possess or distribute child sexual abuse material or sexual content involving minors.
• Threaten, harass, stalk, intimidate or unlawfully discriminate against another person.
• Create or distribute non-consensual intimate or sexual imagery.
• Facilitate human trafficking, exploitation or serious physical harm.
• Develop or deploy malware, ransomware, credential theft tools or destructive software.
• Gain unauthorised access to an account, system, device or network.
• Conduct fraud, phishing, impersonation or identity theft.
• Infringe intellectual property, privacy, confidentiality or other legal rights.
• Publish personal information without authority or a lawful basis.
• Materially misrepresent AI-generated content as human-created where doing so would be deceptive or unlawful.
• Interfere with GabbyAI, overload our systems or bypass rate limits.
• Reverse engineer, scrape or extract data from GabbyAI except where permitted by law or written agreement.
• Resell or commercially exploit GabbyAI without written permission.

We may investigate suspected misuse and take proportionate action, including restricting access, suspending an account, preserving relevant records or reporting conduct where required by law.

8. Your content

8.1 Ownership

As between you and Swish World Group Inc., you retain any ownership rights you have in content you submit to GabbyAI.

Subject to applicable law and the rights of others, we assign to you any rights we may have in output generated specifically in response to your prompt.

This does not guarantee that output is original, unique or legally protectable.

8.2 Permission to operate GabbyAI

You grant Swish World Group Inc. a worldwide, non-exclusive and royalty-free licence to host, store, reproduce, transmit, process, modify and display your content as reasonably necessary to:

• Provide GabbyAI.
• Generate and display responses.
• Maintain conversation history.
• Prevent abuse and protect the service.
• Diagnose technical problems.
• Comply with law and enforce these terms.

This licence continues for as long as the content remains stored in our systems, including reasonable backup and legal-retention periods.

8.3 Your responsibilities

You represent that:

• You have the right to submit your content.
• Your content does not unlawfully infringe another person's rights.
• Your content and intended use comply with applicable law.
• You will not submit confidential information unless you are authorised to do so.

9. Our intellectual property

GabbyAI, its software, designs, interfaces, branding, documentation, databases and other service materials are owned by Swish World Group Inc. or its licensors.

Subject to these terms, we grant you a limited, personal, non-exclusive, non-transferable and revocable right to access and use GabbyAI for lawful purposes.

These terms do not transfer ownership of GabbyAI, its source code, models, infrastructure, branding or other proprietary materials.

Feedback you voluntarily provide may be used by us without restriction or compensation, provided we do not publicly identify you as the source without permission.

10. Third-party services and content

GabbyAI may refer to, link to or interact with third-party websites, services, data or content.

We do not control unrelated third parties and are not responsible for their availability, accuracy, security, terms or privacy practices.

Your use of a third-party service is governed by that provider's own terms and policies.

11. Availability and changes

We aim to provide a reliable service, but GabbyAI may be interrupted, delayed or unavailable because of:

• Maintenance or upgrades.
• Infrastructure or network failures.
• Cybersecurity incidents.
• Capacity restrictions.
• Third-party outages.
• Legal or regulatory requirements.
• Events outside our reasonable control.

We may introduce usage limits, queues, model changes, feature restrictions or rate limits where reasonably necessary to operate the service.

12. Paid services

GabbyAI may introduce paid subscriptions, plans, credits or additional services.

Before charging you, we will display the relevant price, billing frequency and material purchase terms.

Additional payment, renewal and cancellation terms may apply to a paid service.

Unless required by law or stated otherwise at the time of purchase, fees already incurred are non-refundable.

13. Suspension and termination

13.1 Termination by you

You may stop using GabbyAI at any time.

Where account-deletion tools are available, you may use them to request closure of your account. You may also contact us for assistance.

13.2 Action by us

We may restrict, suspend or terminate access where reasonably necessary because:

• You materially or repeatedly violate these terms.
• Your use creates a security, legal or safety risk.
• We reasonably suspect fraud, abuse or unauthorised access.
• We are required to do so by law.
• Continuing to provide the service is no longer commercially or technically reasonable.

Where appropriate and legally permitted, we may provide notice and an opportunity to appeal. Serious or urgent risks may require immediate action.

13.3 Effect of termination

When access ends, your right to use GabbyAI ends. Provisions concerning intellectual property, content licences, disclaimers, liability and disputes remain in effect where intended to survive termination.

14. Disclaimers

To the maximum extent permitted by law, GabbyAI is provided on an “as is” and “as available” basis.

We do not promise that:

• GabbyAI will always be available or uninterrupted.
• Output will always be accurate or complete.
• Output will always be current or error-free.
• The service will meet every intended use.
• Every defect or security risk can be prevented.
• Output will be unique or legally protectable.
• Use of output will not infringe another person's rights.

To the extent permitted by law, we disclaim implied warranties, including merchantability, satisfactory quality, fitness for a particular purpose, non-infringement and quiet enjoyment.

Nothing in these terms excludes rights or warranties that cannot lawfully be excluded.

15. Limitation of liability

Nothing in these terms excludes or limits liability where doing so would be unlawful.

To the maximum extent permitted by law, Swish World Group Inc. and its affiliates, officers, employees, contractors and suppliers will not be liable for:

• Indirect, incidental, special or consequential loss.
• Loss of profit, revenue, business or anticipated savings.
• Loss of data, goodwill, reputation or opportunity.
• Decisions made in reliance on AI-generated output.
• Unauthorised access caused by your failure to secure your account.
• Third-party services, content or conduct.
• Events outside our reasonable control.

Where permitted by law, our total aggregate liability arising from or relating to GabbyAI will not exceed the greater of:

• The amount you paid for GabbyAI during the previous 12 months.
• One hundred United States dollars.

Some jurisdictions do not permit certain exclusions or limitations. In those jurisdictions, these provisions apply only to the maximum extent legally permitted.

16. Governing law and disputes

These terms are governed by the laws of the Commonwealth of Kentucky, United States, without regard to conflict-of-law principles.

Subject to mandatory consumer protections and any court that has jurisdiction under applicable law, disputes arising from these terms or GabbyAI will be brought in the state or federal courts with jurisdiction over Lexington, Kentucky.

If you are a consumer, nothing in this section removes any mandatory right to bring a claim in the courts of your country of residence or to rely on consumer protections that apply regardless of this choice of law.

Before filing a formal claim, you and Swish World Group Inc. agree to make a reasonable attempt to resolve the matter informally, unless urgent relief is required.

17. General provisions

17.1 Entire agreement

These terms, the Privacy Policy and any applicable additional terms constitute the entire agreement concerning your use of GabbyAI.

17.2 Severability

If any provision is found invalid or unenforceable, it will be modified to the minimum extent necessary and the remaining provisions will continue in effect.

17.3 No waiver

A delay or failure to enforce a provision does not waive our right to enforce it later.

17.4 Assignment

You may not assign your rights or obligations under these terms without our written permission.

We may assign these terms as part of a merger, restructuring, financing, sale or transfer of GabbyAI.

17.5 No partnership

These terms do not create an employment, agency, partnership, joint venture or fiduciary relationship.

17.6 Electronic communications

You agree that notices and agreements may be provided electronically, including through GabbyAI, by email or by publication on our website.

18. Changes to these terms

We may update these terms to reflect changes to GabbyAI, legal requirements, security needs or business practices.

Updated terms will be published on this page with a revised effective date. Where changes are material, we may provide additional notice.

Your continued use of GabbyAI after updated terms take effect constitutes acceptance of those terms, except where applicable law requires another form of consent.

19. Contact us

Questions about these Terms of Use may be sent to: