Legal

A8 labs LLC, a Florida limited liability company("Company," "we," "us," or "our") operates the software applications, websites, APIs, and related services made available under the trade names GhostApp, GhostApp 6.0, TsarChat, Tsar Chat, Tsar App, Tsar Coder, BoChat, tsarchat.com(collectively, the "Service"), including the website tsarchat.com. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the Service. By accessing or using the Service, you agree to the terms of this Privacy Policy.

• To create and manage your account.
• To process payments and manage subscriptions.
• To enforce device limits under your subscription plan.
• To send transactional emails (receipts, password resets, account alerts).
• To improve, maintain, and monitor the performance of the Service.
• To comply with legal obligations and enforce our Terms of Service.
• To prevent fraud, abuse, and violations of our Terms or applicable law.

We share information only with the following categories of providers, solely for the purposes described:

• Firebase (Google Cloud) — authentication, database, and hosting.
• Stripe — payment processing and subscription management.
• Google Analytics — anonymized website usage analytics.
• LLM Providers (OpenAI, Anthropic, Google, xAI, Groq, and any others you configure) — your prompts and screen/audio context are sent directly from your device to the provider you choose using your own API key (BYOK). We do not intermediate or store this data.

We do not sell, rent, or trade your personal information to any third party for marketing purposes.

We retain your account information for as long as your account is active or as needed to provide the Service. If you delete your account, we will delete or anonymize your personal data within 30 days, except where retention is required by law or for legitimate business purposes (e.g., resolving disputes, enforcing agreements, tax and accounting compliance, or maintaining legal-acceptance audit logs in defense of disputes).

We implement industry‐standard security measures including encryption in transit (TLS), encryption at rest, secure credential storage via OS‐level keychains, and access‐controlled cloud infrastructure. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Depending on your jurisdiction, you may have the right to:

• Access the personal data we hold about you.
• Request correction of inaccurate data.
• Request deletion of your data.
• Object to or restrict certain processing.
• Receive a copy of your data in a portable format.
• Withdraw consent (where processing is based on consent).

To exercise any of these rights, contact us at help@tsarchat.com. We will respond within 45 days (extendable by 45 additional days where reasonably necessary, with notice).

If you are a California resident, the California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively, "CCPA"), gives you the rights described in this section.

Residents of states with comprehensive consumer-privacy laws — including Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Utah (UCPA), Texas (TDPSA), Oregon (OCPA), Montana (MCDPA), Delaware (DPDPA), New Hampshire (NHDPA), New Jersey (NJDPA), Maryland (MD ODPA), Iowa (ICDPA), and others as those laws come into effect — have rights similar to those described in §8: rights to access, correct, delete, opt out of targeted advertising / sale / profiling, and appeal denials of such requests. To exercise any state-law privacy right, contact help@tsarchat.com. If we deny a request, you may appeal by replying to our denial; if we deny the appeal, you may contact your state Attorney General.

If you are in the European Economic Area, the United Kingdom, or Switzerland, the General Data Protection Regulation (or its UK equivalent) grants you rights of access, rectification, erasure, restriction, portability, objection, and the right not to be subject to automated decision-making with legal effect (we do not engage in such automated decision-making). Our legal bases for processing are: (i) performance of the contract with you; (ii) compliance with a legal obligation; (iii) our legitimate interests in operating and securing the Service; and (iv) your consent where required.

To exercise any data-subject right, contact help@tsarchat.com. You also have the right to lodge a complaint with your local supervisory authority.

We are based in the United States and process data on U.S. infrastructure (Firebase / Google Cloud, Stripe). If you access the Service from outside the United States, your information will be transferred to and processed in the United States. Where required, we rely on Standard Contractual Clauses or other lawful transfer mechanisms for cross-border transfers from the EEA, UK, or Switzerland.

Most browsers send a "Do Not Track" signal that has no uniform standard, so we do not respond to it. We do honor the Global Privacy Control (GPC) signal as a valid opt-out request under the CCPA where applicable.

In the event of a personal-data breach affecting your information, we will notify you and the appropriate regulatory authorities without undue delay and in line with applicable federal, state, and international law.

The desktop applications may capture audio (microphone or system audio) and screen contents in the course of the Service's BYOK-routed analysis. We do notextract, generate, store, or transmit voiceprints, faceprints, retinal scans, hand geometry, gait, or any other biometric identifiers from such captures. We do not engage in any practice that would constitute the collection of "biometric information" under the Illinois Biometric Information Privacy Act, the Texas Capture or Use of Biometric Identifier Act, the Washington biometric-identifiers act, or comparable laws of other jurisdictions.

The Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from anyone under 18. If we learn that we have collected data from a minor, we will delete it promptly. Parents or guardians who believe a minor has used the Service may contact help@tsarchat.com.

We use essential cookies for authentication and session management. Google Analytics may set performance cookies to help us understand usage patterns. You can control cookie preferences through your browser settings.

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page and updating the "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the revised policy.

For privacy questions, requests, or complaints, contact help@tsarchat.com. You may also reach our general support team at help@tsarchat.com.

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and A8 labs LLC, a Florida limited liability company("Company," "we," "us," or "our"). The "Service" means the software, mobile and desktop applications, websites, APIs, and related services that A8 labs LLC makes available under any of the trade names GhostApp, GhostApp 6.0, TsarChat, Tsar Chat, Tsar App, Tsar Coder, BoChat, tsarchat.com, including the website at tsarchat.com. Each of those trade names refers to the same Service governed by these Terms.

By accessing, downloading, installing, or using any part of the Service, by clicking "I agree" (or any equivalent control) on a sign-up or checkout flow, or by maintaining an account with us, you agree to be bound by these Terms. If you do not agree to ALL of these Terms, you are expressly prohibited from using the Service and must discontinue use immediately.

You must be at least 18 years of age, of sound mind, and capable of entering into a legally binding contract under the laws of your jurisdiction. By using the Service, you represent and warrant that you meet these requirements, that all information you provide is accurate and current, and that you will use the Service strictly in accordance with all applicable laws and regulations. The Service is not intended for use by anyone under 18.

You are solely responsible for the security of your account credentials, including your password, two-factor authentication factors, session tokens, and any API keys you configure. You must notify us immediately of any unauthorized access or suspected compromise. We are not liable for any loss or damage arising from your failure to safeguard your credentials.

You are responsible for all activity that occurs under your account, whether or not you authorized it. One person, one account: you may not share your account, sublicense access, or permit any other person to use the Service through your credentials.

Subject to your continuous compliance with these Terms and payment of all applicable fees, A8 labs LLC grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable, and personal license to access and use the Service for your own lawful purposes during the term of your subscription or trial. We retain all rights, title, and interest in and to the Service that are not expressly granted to you in these Terms. No rights are granted to you by implication, estoppel, or otherwise.

The Service operates on a "Bring Your Own Keys" (BYOK) model. To utilize the AI features of the Service, you must provide your own valid API keys from third-party Large Language Model (LLM) providers (e.g., OpenAI, Anthropic, Google, xAI, Groq).

• Responsibility for API Keys: You are solely responsible for the security, confidentiality, and management of your API keys. We do not store, transmit, or have access to your API keys on our servers.
• Financial Liability: You are exclusively responsible for all costs, charges, and fees incurred on your third-party LLM provider accounts resulting from the use of the Service. A8 labs LLC shall not be liable for any API costs, unexpected usage spikes, rate limits, or account suspensions.
• Third-Party Compliance: You agree to comply fully with the terms of service, acceptable-use policies, and privacy policies of any third-party LLM provider whose API keys you integrate with the Service. We are not party to those agreements.

You explicitly agree to use the Service ONLY for lawful and legal purposes. The Service must not be used to engage in, facilitate, or promote any illegal, fraudulent, unauthorized, or malicious activity.

• You shall not use the Service to violate any local, state, national, or international law, statute, ordinance, regulation, or order of any court of competent jurisdiction.
• You shall not use the Service in any way that infringes upon the intellectual property rights, privacy rights, publicity rights, or other legal rights of any third party.
• You bear full legal and financial responsibility for your actions while using the Service. If you use the Service for any illegal purpose, your account will be immediately terminated without notice or refund, and we reserve the right to report such activities to the appropriate law-enforcement authorities and to cooperate with any investigation.

Some features of the Service capture audio from your microphone or your computer's system-audio output, and capture screen contents. You — not A8 labs LLC — are solely responsible for ensuring that any such capture complies with all applicable federal, state, and local recording, wiretapping, eavesdropping, and electronic-communications laws.

You acknowledge and agree that the following laws may apply to your use of the Service and that you are responsible for complying with all of them, without limitation:

• The federal Wiretap Act, 18 U.S.C. §§ 2510 et seq., including 18 U.S.C. § 2511.
• The Stored Communications Act, 18 U.S.C. §§ 2701 et seq.
• The Electronic Communications Privacy Act and analogous state laws.
• All-party-consent (so-called "two-party-consent") statutes, including but not limited to those of California (Penal Code §§ 631, 632), Florida (§ 934.03), Illinois (720 ILCS 5/14-2), Massachusetts (Mass. Gen. Laws ch. 272 § 99), Maryland (Md. Code Cts. & Jud. Proc. § 10-402), Montana (§ 45-8-213), Nevada (NRS 200.620), New Hampshire (RSA 570-A:2), Pennsylvania (18 Pa.C.S. § 5704), and Washington (RCW 9.73.030).

You represent and warrant that, with respect to every audio, video, or screen capture you initiate using the Service, you have obtained all consents required by every applicable law and by every party whose communications, voice, image, or screen content is captured. You agree to indemnify and hold harmless A8 labs LLC from any civil claim, criminal proceeding, fine, penalty, settlement, or other liability that arises from or relates to recording, wiretapping, eavesdropping, or surveillance allegations involving your use of the Service.

You are solely responsible for complying with every contract, policy, code, or rule that governs your conduct on any system, platform, or institution where you use the Service.

Without limiting the foregoing, you specifically agree that you will not use the Service in violation of any of the following, and that you assume all risk of doing so:

• Any non-disclosure, confidentiality, non-compete, or non-solicitation agreement to which you are bound;
• Any employer policy, code of conduct, acceptable-use policy, or information-security policy;
• Any school or university honor code, academic-integrity policy, student-conduct code, or rules governing examinations, assignments, certifications, or licensure;
• The terms of any examination, certification, or assessment program (including but not limited to professional-licensing, regulatory, or accreditation exams);
• The terms of any proctoring, monitoring, or remote-invigilation service (including but not limited to Honorlock, Proctorio, ProctorU, Examity, HackerRank, CoderPad, Codility, and similar services);
• The terms of service, acceptable-use policy, or end-user license agreement of any third-party platform on which you communicate or on which the Service operates (including but not limited to Zoom, Microsoft Teams, Google Meet, Webex, Slack, Discord, and similar services).

You disclaim any reliance on the Service for any graded, credentialed, licensed, regulated, or fiduciary activity. The Service is not endorsed, sponsored, or approved for use in any such context, and we do not warrant that the Service is detectable, undetectable, compliant, or non-compliant with any third party's monitoring, examination, or compliance technology.

You represent and warrant that you have full authorization to install and run the Service on every device on which it operates, and that you have full authorization to capture, process, and transmit any audio, video, screen content, or other data the Service handles. You will not use the Service to access, modify, monitor, intercept, or transmit data from any computer, network, account, or system that you are not authorized to access. You acknowledge that unauthorized access or interception may violate the federal Computer Fraud and Abuse Act (18 U.S.C. § 1030) and analogous state and foreign laws, and that any such use is at your sole risk and outside the scope of this license.

You agree not to:

• Reverse-engineer, decompile, disassemble, or attempt to derive the source code of the Service, except to the extent expressly permitted by applicable law that cannot be waived by contract.
• Use the Service to create a competing product or service.
• Use the Service for any activity that violates applicable law or regulation.
• Use the Service to breach non-disclosure agreements, confidentiality agreements, or the terms of service of any third-party platform.
• Use the Service to develop, distribute, or deploy malware, spyware, ransomware, or any code intended to disrupt or damage another system.
• Use the Service to scrape, harvest, or otherwise collect data in violation of any third party's terms or applicable law.
• Attempt to circumvent, disable, or interfere with any security or access-control measure of the Service or of any third-party system.
• Use the Service to commit fraud, deception, identity theft, or harm to any individual or entity.
• Use the Service to harass, threaten, defame, or violate the privacy of any person.
• Use the Service to generate child sexual abuse material, content depicting non-consensual sexual conduct, or any content prohibited by applicable law.
• Use the Service in any high-risk or safety-critical environment (see §12).

Violation of these restrictions will result in immediate termination of your account and may result in civil or criminal liability.

The Service offers paid subscription plans as described on our Pricing page. Recurring subscriptions are billed in advance through Stripe.

Auto-Renewal Disclosure (Cal. Bus. & Prof. Code § 17600et seq. and analogous state laws):

• By subscribing, you authorize A8 labs LLC (and our payment processor, Stripe) to charge your payment method for the initial subscription term and for each subsequent renewal term until you cancel.
• Subscriptions automatically renew at the end of each billing cycle at the then-current price for that plan. The cancellation deadline is the end of the then-current billing cycle.
• You may cancel at any time from your account dashboard or by emailing help@tsarchat.com. Cancellation stops future renewals; access continues through the end of the paid period.
• We may change subscription pricing on prospective renewals with advance notice; your continued subscription after the effective date constitutes acceptance of the new price.

Refunds, where available, are governed by our Refund Policy.

The Service relies on third-party Large Language Models. Outputs may be inaccurate, incomplete, biased, fabricated ("hallucinated"), or otherwise unsuitable for your purpose. You are solely responsible for reviewing, verifying, and validating any output before relying on it.

The Service is not, and is not a substitute for, professional advice. You agree that no information generated by the Service constitutes legal advice, medical advice, mental-health advice, tax advice, accounting advice, financial advice, investment advice, or any other professional advice, and you will not treat it as such.

The Service is not intended for, and you will not use it for, any high-risk or safety-critical purpose, including but not limited to medical diagnosis or treatment, mental-health crisis response, emergency response, control of vehicles, aircraft, vessels, or industrial equipment, control of life-support or safety-of-life systems, control of nuclear facilities, weapons systems, or any context where failure could cause death, personal injury, severe property damage, or environmental harm.

We may suspend, restrict, or terminate your access to the Service, in whole or in part, at our sole discretion and without prior notice, including (without limitation) where we believe you have violated these Terms, where we are required to do so by law, where continued provision of the Service to you presents a risk to A8 labs LLC or to other users, or for any other reason. We may also terminate or modify the Service generally with reasonable notice. Upon termination, your right to use the Service ceases immediately. Sections that by their nature should survive termination will survive (see §32).

You may stop using the Service and delete your account at any time via your account dashboard or by contacting help@tsarchat.com.

We may add, change, deprecate, or remove features of the Service at any time without liability to you. Some features may be designated "beta," "preview," "experimental," or similar; such features are provided AS-IS, may be unstable, and may be modified or withdrawn at any time. We make no commitment that beta features will become generally available or that data created while using a beta feature will be preserved.

The Service interoperates with, and may link to, third-party services (LLM providers, payment processors, analytics, OS-level components, app marketplaces, etc.). We do not control those services and are not responsible for their content, terms, privacy practices, availability, or security. Your use of any third-party service is governed solely by your agreement with that third party.

If you submit suggestions, ideas, feedback, bug reports, feature requests, or other materials to us (collectively, "Feedback"), you grant A8 labs LLC a perpetual, irrevocable, worldwide, royalty-free, fully paid-up, sublicensable, and transferable license to use, reproduce, modify, create derivative works of, distribute, publicly perform, publicly display, and otherwise exploit such Feedback for any purpose, with no obligation of accounting or compensation to you. You waive any moral rights in Feedback to the maximum extent permitted by law.

A8 labs LLC and its licensors own all right, title, and interest in and to the Service, including all software, source and object code, designs, user interfaces, trademarks, service marks, trade dress, logos, documentation, and all related intellectual property. The trade names GhostApp, GhostApp 6.0, TsarChat, Tsar Chat, Tsar App, Tsar Coder, BoChat, tsarchat.com are trademarks of A8 labs LLC or its licensors. Nothing in these Terms transfers ownership of any intellectual property to you. You agree not to remove, obscure, or alter any proprietary notices on the Service.

You represent and warrant that you are not located in, ordinarily resident in, or a national of, any country or region subject to comprehensive U.S. economic sanctions; that you are not on the U.S. Treasury Department's Specially Designated Nationals and Blocked Persons List, the U.S. Commerce Department's Denied Persons or Entity List, or any other U.S. government restricted-party list; and that you will not use the Service in violation of any applicable export-control or sanctions law, including the U.S. Export Administration Regulations (15 C.F.R. Parts 730–774) and regulations administered by the U.S. Office of Foreign Assets Control (OFAC).

You consent to receive electronic communications from us, including transactional emails (receipts, password resets, security and legal notices, billing notices) and, where you have opted in, product announcements and marketing messages. You may withdraw consent to marketing communications at any time using the unsubscribe link in those messages. Transactional and legal notices may be sent for as long as you maintain an account. Where SMS or phone-based communications are offered, your consent is not required as a condition of purchase, message-and-data rates may apply, and you may opt out by replying STOP.

A8 labs LLC respects intellectual-property rights and complies with the Digital Millennium Copyright Act (17 U.S.C. § 512). If you believe that material accessible through the Service infringes your copyright, please send a written notice to our designated agent that includes:

• Identification of the copyrighted work claimed to be infringed;
• Identification of the material claimed to be infringing and information reasonably sufficient to permit us to locate it;
• Your contact information (name, address, telephone number, email);
• A statement that you have a good-faith belief that the use is not authorized;
• A statement, under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf;
• Your physical or electronic signature.

Send notices to our designated agent at help@tsarchat.com with the subject line "DMCA Notice," and by mail to A8 labs LLC, Attn: Legal Notices, [REGISTERED AGENT ADDRESS — see Florida Sunbiz filing], Florida, USA. Repeat infringers will have their accounts terminated.

If you obtained any application that is part of the Service from the Apple App Store, Google Play, the Microsoft Store, or any other app marketplace (each, a "Marketplace"), you acknowledge and agree that:

• These Terms are between you and A8 labs LLC, not between you and the Marketplace;
• The Marketplace and its affiliates are third-party beneficiaries of these Terms with the right to enforce them against you;
• Your use of the application is also governed by the Marketplace's own end-user license agreement and policies;
• Refund requests for purchases made through a Marketplace must be made through that Marketplace, in accordance with its rules (e.g., Apple's reporting window, Google Play's 48-hour window);
• A8 labs LLC is solely responsible for the application and its content; the Marketplace has no obligation to provide any maintenance or support.

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE AND EXCLUSIVE RISK.

A8 labs LLC provides the Service as a tool. We do not monitor, control, or assume responsibility for how you use the Service or for the outcomes of such use. You assume full responsibility for all risks associated with your use, including but not limited to any criminal or civil liability under recording and wiretapping laws (§7), claims arising from violations of third-party rules, policies, NDAs, honor codes, examination terms, or platform ToS (§8), API costs (§5), impact on your professional standing, employment, academic status, licensure, or reputation, and any consequence of relying on AI output (§12). A8 labs LLC makes no guarantees regarding any outcome, result, or benefit from using the Service.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

WE EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR THAT ANY CONTENT OR OUTPUT WILL BE ACCURATE, COMPLETE, OR RELIABLE. WE DO NOT WARRANT THAT THE SERVICE IS, OR WILL REMAIN, UNDETECTABLE BY ANY THIRD PARTY, MONITORING TECHNOLOGY, OR PROCTORING SYSTEM. YOU ACKNOWLEDGE THAT AI MODELS CAN PRODUCE INCORRECT OR MISLEADING INFORMATION AND THAT YOU MUST INDEPENDENTLY VERIFY ALL OUTPUTS.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL A8 LABS LLC, ITS FOUNDERS, MEMBERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, OR LICENSORS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES.

THIS INCLUDES, WITHOUT LIMITATION, DAMAGES FOR LOST PROFIT, LOST REVENUE, LOSS OF DATA, API OVERAGES, PROFESSIONAL DISCIPLINE, LOSS OF EMPLOYMENT, LOSS OF EDUCATIONAL OR PROFESSIONAL CREDENTIALS, REPUTATIONAL HARM, OR OTHER INTANGIBLE LOSSES ARISING FROM OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR TOTAL MAXIMUM AGGREGATE LIABILITY TO YOU FOR ANY AND ALL CLAIMS, REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE GREATER OF (A) THE AMOUNT PAID, IF ANY, BY YOU TO US FOR THE SERVICE DURING THE 3-MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US$100). MULTIPLE CLAIMS DO NOT ENLARGE THIS CAP.

You agree to defend, indemnify, and hold harmless A8 labs LLC, its founders, members, affiliates, and their respective directors, officers, employees, and agents from and against any and all loss, damage, liability, claim, demand, fine, penalty, or expense (including reasonable attorneys' fees, court costs, and settlement amounts) made by or owed to any third party (including governmental authorities) due to or arising out of:

• Your use of the Service;
• Your breach of these Terms;
• Any breach of your representations or warranties set forth in these Terms;
• Your violation of the rights of a third party, including intellectual-property rights, privacy rights, publicity rights, and confidentiality rights;
• Any allegation that your use of the Service violated recording, wiretapping, eavesdropping, surveillance, or electronic-communications laws (§7);
• Any allegation that your use of the Service violated an NDA, employer policy, school honor code, exam terms, proctoring agreement, or third-party platform ToS (§8);
• Any allegation under the federal Computer Fraud and Abuse Act (18 U.S.C. § 1030) or analogous state or foreign law (§9);
• Any allegation under state biometric-information laws (BIPA, TX CUBI, WA HB 1493, or similar);
• Any costs or charges incurred on your provided BYOK API keys (§5);
• Your violation of any applicable law, rule, or regulation, or any third-party terms of service (including LLM providers).

A8 labs LLC 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 shall not settle any matter without our prior written consent.

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU AND A8 LABS LLC TO RESOLVE DISPUTES BY BINDING INDIVIDUAL ARBITRATION AND LIMITS THE WAY YOU CAN SEEK RELIEF FROM US. YOU HAVE THE RIGHT TO OPT OUT WITHIN 30 DAYS AS DESCRIBED BELOW.

26.1 Governing Law. These Terms and any dispute arising out of or relating to them, the Service, or your use of the Service are governed by the laws of the State of Florida, United States, without regard to its conflict-of-laws principles, and, where applicable, by the Federal Arbitration Act, 9 U.S.C. §§ 1 et seq.

26.2 Pre-Arbitration Informal Resolution (required). Before initiating arbitration, you and A8 labs LLC agree to attempt to resolve any dispute informally for at least 60 days. To begin, the complaining party must send a written notice describing the dispute and the relief sought to: A8 labs LLC, Attn: Legal Notices, [REGISTERED AGENT ADDRESS — see Florida Sunbiz filing], Florida, USA (for notices to A8 labs LLC) or to the email and account address on file (for notices to you). The 60-day period runs from receipt of the notice. Any statute of limitations is tolled during this period.

26.3 Binding Arbitration. If the dispute is not resolved during the informal-resolution period, all disputes, claims, and controversies arising out of or relating to these Terms, the Service, or the relationship between you and A8 labs LLC shall be resolved by final and binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules in effect at the time the arbitration is commenced. The arbitration shall be seated in Florida, United States, and may be conducted by phone, video, or written submissions where AAA rules permit. The arbitrator shall apply the substantive law of Florida and shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement, including any claim that all or part of this agreement is void or voidable; provided, however, that questions of arbitrability of mass or class claims (see §26.6) are for a court, not the arbitrator.

26.4 Carve-outs.Notwithstanding §26.3, either party may (a) bring an individual claim in small-claims court of competent jurisdiction in the claimant's county of residence, provided the claim remains in that court on an individual basis; and (b) seek injunctive or other equitable relief in a court of competent jurisdiction to protect intellectual-property rights or to enforce confidentiality obligations.

26.5 Class-Action and Representative-Action Waiver. You and A8 labs LLCagree that each 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, collective, consolidated, or representative proceeding. The arbitrator may not consolidate the claims of more than one person and may not preside over any form of representative or class proceeding. To the extent you have a right to act as a private attorney general (e.g., under California's Private Attorneys General Act), that right is waived to the maximum extent permitted by law.

26.6 Mass-Filing / Batch Arbitration. If twenty (20) or more demands for arbitration are filed against A8 labs LLCthat raise substantially similar claims and are represented by the same or coordinated counsel (a "Mass Filing"), the demands shall be administered in sequential batches of no more than fifty (50), and AAA fees and arbitrator selection shall be coordinated across the batch. A8 labs LLC and the claimants will work in good faith with the AAA to implement an efficient batch process and to avoid duplicative proceedings and fees. The Mass-Filing provisions of this paragraph are themselves committed to a court (not the arbitrator) for interpretation and enforcement.

26.7 Opt-Out Right. You may opt out of this arbitration agreement by sending a signed written notice to A8 labs LLC, Attn: Legal Notices, [REGISTERED AGENT ADDRESS — see Florida Sunbiz filing], Florida, USA, postmarked or delivered within 30 days of the date you first accepted these Terms (or, if you are a current user as of the effective date of this version, within 30 days of that effective date). The notice must state your full name, the email on your account, and a clear statement that you wish to opt out of arbitration. Opting out has no effect on any other provision of these Terms. If you opt out, disputes will be resolved as provided in §26.8.

26.8 Forum if Arbitration Does Not Apply. If you opt out under §26.7, or if any portion of §26 is held unenforceable as to a particular claim, that claim shall be brought exclusively in the federal or state courts located in Florida, and you and A8 labs LLC irrevocably consent to the personal jurisdiction and venue of those courts.

26.9 California Savings Clause. Notwithstanding anything to the contrary in this §26, where you are a California resident and California law affords you a right that cannot lawfully be waived (including, without limitation, certain public-injunction rights under McGill v. Citibank, 2 Cal. 5th 945 (2017)), nothing in this §26 shall be construed to waive that right; the unwaivable claim shall be brought in court, and the remainder of §26 shall remain in full force and effect with respect to all other claims.

26.10 Severability of Arbitration Terms. If any provision of this §26 (other than the Class-Action Waiver in §26.5) is held unenforceable, that provision shall be severed and the remainder of §26 shall continue in full force and effect. If the Class-Action Waiver in §26.5 is held unenforceable as to any claim, that claim shall be severed and brought in court while all other claims continue in arbitration.

You acknowledge that a breach of §§ 5, 6, 7, 8, 9, 10, 16, 17, or 18 may cause A8 labs LLC irreparable harm for which monetary damages would be inadequate. A8 labs LLC may seek injunctive or other equitable relief in any court of competent jurisdiction without the requirement of posting bond or proving actual damages, in addition to all other remedies available at law or in equity.

A8 labs LLC is not liable for any failure or delay in performance caused by an event beyond its reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, government action, pandemic, fire, flood, power or telecommunications outages, denial-of-service attacks, third-party failures (including LLM-provider, payment-processor, or cloud outages), or changes in law.

If any provision of these Terms is held by a court or arbitrator of competent jurisdiction to be unlawful, void, or unenforceable, the remaining provisions shall continue in full force and effect, and the unenforceable provision shall be reformed only to the extent necessary to render it enforceable while preserving the parties' original intent to the maximum extent permitted by law.

No failure or delay by A8 labs LLC in exercising any right under these Terms is a waiver of that right; no single or partial exercise of any right precludes any other or further exercise; and no waiver of any provision is effective unless in a writing signed by an authorized representative of A8 labs LLC.

You may not assign or transfer these Terms or any rights or obligations under them, by operation of law or otherwise, without our prior written consent. Any purported assignment in violation of this section is void. A8 labs LLC may assign these Terms in whole or in part, including in connection with a merger, acquisition, reorganization, or sale of all or substantially all of its assets, without your consent.

The following sections survive any termination of these Terms or your account: §§ 5 (BYOK financial responsibility), 7 (Recording laws), 8 (Third-party rules), 9 (Authorized use), 16 (Feedback license), 17 (IP), 22 (Assumption of risk), 23 (Disclaimer of warranties), 24 (Limitation of liability), 25 (Indemnification), 26 (Arbitration & class waiver), 27 (Equitable relief), and any other provision that by its nature should survive.

We may give you legal notice by email to the address on your account or by posting on the Service. Such notice is effective on dispatch for email and on posting for in-Service notices. You must give legal notice to A8 labs LLC by email to help@tsarchat.com AND by mail to A8 labs LLC, Attn: Legal Notices, [REGISTERED AGENT ADDRESS — see Florida Sunbiz filing], Florida, USA. Notices required to opt out of arbitration (§26.7) and to commence the pre-arbitration informal-resolution period (§26.2) must be sent by mail to that address; email-only notice is not sufficient for those purposes.

We may modify these Terms from time to time. The "Last updated" date at the top of the Legal page reflects the date of the most recent change. For material changes, we will provide reasonable advance notice (e.g., by email or by an in-Service banner). Your continued use of the Service after the effective date of any modification constitutes acceptance of the modified Terms. If you do not agree, you must stop using the Service before the effective date.

These Terms (together with the Privacy Policy and Refund Policy incorporated by reference) constitute the entire agreement between you and A8 labs LLC concerning the Service and supersede all prior or contemporaneous communications, proposals, and agreements, whether electronic, oral, or written. Section headings are for convenience only and have no legal effect.

A8 labs LLC, a Florida limited liability company
Email: help@tsarchat.com
Mail: A8 labs LLC, Attn: Legal Notices, [REGISTERED AGENT ADDRESS — see Florida Sunbiz filing], Florida, USA

A8 labs LLC, a Florida limited liability company("Company," "we," "us," or "our") wants you to be satisfied with the Service. Because the Service is a digital software product delivered immediately upon purchase, all sales are generally final. However, we offer the limited refund accommodations described below.

A subscription is considered substantially used if any of the following apply:

• The desktop application has been downloaded and activated on a device.
• LLM queries have been made through the Service.
• Audio or screen capture features have been used.

We reserve the right to verify usage before processing any refund.

To request a refund, email us at help@tsarchat.com with:

• Your account email address.
• The date of purchase.
• Your subscription plan.
• The reason for your refund request.

We will review your request and respond within 5 business days. Approved refunds are processed through Stripe and typically appear on your statement within 5–10 business days.

If you initiate a chargeback or payment dispute with your bank or credit-card provider instead of contacting us first, we reserve the right to immediately suspend your account and contest the chargeback. We encourage you to contact us directly at help@tsarchat.com to resolve any billing concerns before filing a dispute.

Cancellation and refunds are separate actions. Cancelling your subscription stops future billing but does not entitle you to a refund of the current billing period. You will continue to have access to the Service until the end of your current paid period. You can cancel your subscription at any time from your account dashboard.

We may, at our sole discretion, offer a full or partial refund outside the windows described above in cases of:

• A verified technical issue on our end that prevented you from using the Service.
• Duplicate or erroneous charges caused by a billing error.

These exceptions are evaluated on a case‐by‐case basis and are not guaranteed.

If you purchased a subscription or any in-app product through a third-party app marketplace (such as the Apple App Store, Google Play, or the Microsoft Store), refund requests must be submitted through that marketplace in accordance with its rules and timelines. A8 labs LLC cannot directly refund a purchase processed by another platform. Examples of platform rules at the time of writing (which may change):

• Apple App Store: Refund requests via reportaproblem.apple.com within Apple's reporting window.
• Google Play: Auto-eligible refunds for purchases made within the previous 48 hours via the Play Store; later requests are handled by Google.
• Microsoft Store:Refund requests via your Microsoft account order history per Microsoft's policy.

Where any sales tax, value-added tax (VAT), goods-and-services tax (GST), or similar government-imposed tax is collected by A8 labs LLC, by Stripe, or by an app-marketplace platform, the tax portion of the purchase is generally not refundable except as required by the relevant taxing authority.

Nothing in this Refund Policy limits, restricts, or waives any right that you have as a consumer under applicable law that cannot lawfully be waived. For example, where applicable, EU and UK consumers may have a statutory right of withdrawal within 14 days of purchase, subject to certain exceptions; California subscribers retain rights under Cal. Bus. & Prof. Code § 17600 et seq.; and other jurisdictions may afford analogous protections.