Terms of Service

1. Acceptance of Terms

By accessing and using KaibiganGPT ("the Service," "we," "us," or "our"), you ("User" or "you") accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these Terms of Service, please do not use our Service.

2. Description of Services

KaibiganGPT is a comprehensive AI-powered platform providing free tools and services including:

• Meal Planner: AI-generated personalized meal plans with budget optimization and shopping lists
• Budget Calculator: Global budget planning and cost-of-living comparison across 20+ countries
• Document Summarizer: AI-powered text, PDF, and document summarization in 15+ languages
• Email Writer: Professional and personal email template generation with AI assistance
• Philippine Finance Tools: Loan calculators, investment planners, and retirement calculators with local data
• Currency Converter: Real-time currency conversion with historical data and charts
• World Clock: International time zone management and meeting scheduling tools
• Smart Gadget Advisor: Personalized technology and gadget recommendations
• Support Services: Help center, contact system, and newsletter subscription

3. User Eligibility and Registration

• You must be at least 13 years old to use our Service
• Users under 18 must have parental or guardian consent
• No registration is required for basic tool usage
• Email addresses are only collected when you voluntarily provide them for specific features
• You are responsible for maintaining the confidentiality of any account information

4. Acceptable Use Policy

Permitted Uses

• Personal, educational, and non-commercial use of all tools and services
• Professional use of email writer and document summarizer for business purposes
• Financial planning and budget management using our calculators
• Sharing generated content (meal plans, budgets, emails) with appropriate attribution

Prohibited Uses

• Commercial resale or redistribution of our services without explicit permission
• Reverse engineering, decompiling, or attempting to extract our AI algorithms
• Automated scraping, data mining, or bulk downloading of content
• Uploading malicious files, viruses, or harmful content
• Using the service for illegal activities, fraud, or to harm others
• Impersonating others or providing false information
• Attempting to overwhelm our servers or bypass usage limitations
• Using our tools to generate spam, inappropriate content, or violate others' rights

5. Service-Specific Terms and Disclaimers

Financial Tools Disclaimer

Our Philippine finance calculators, budget tools, and investment planners are for informational and educational purposes only:

• Calculations are estimates based on current available data and standard formulas
• SSS, GSIS, and Pag-IBIG calculations follow official formulas but are not official projections
• Investment returns and financial projections are hypothetical and not guaranteed
• Always consult qualified financial advisors for major financial decisions
• We are not liable for financial decisions made based on our tools

AI-Generated Content Disclaimer

• Meal plans and dietary recommendations are not medical or nutritional advice
• Always verify ingredients and nutritional information, especially for allergies
• Email content should be reviewed and customized before sending
• Document summaries may not capture all nuances of original content
• AI-generated content should be fact-checked and verified for accuracy

Data and Currency Information

• Currency exchange rates are provided by third-party services and may not be real-time
• Budget and cost-of-living data is based on available sources and may vary
• World clock and time zone information is provided for convenience only
• Gadget recommendations are based on general specifications and market data

6. Intellectual Property Rights

Our Intellectual Property

• All website content, design, algorithms, and functionality are owned by KaibiganGPT
• Our brand name, logos, and trademarks are protected intellectual property
• Source code, databases, and proprietary technologies are confidential
• You may not copy, reproduce, or create derivative works without permission

User-Generated Content

• You retain ownership of content you input into our tools
• You grant us a license to process your input to provide services
• Generated outputs (meal plans, emails, summaries) can be used freely by you
• We do not claim ownership of AI-generated content created for you

7. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. Key points include:

• Document content is processed temporarily and automatically deleted
• Email addresses are only collected with your explicit consent
• We use cookies and analytics to improve our services
• Your data is not sold or shared with third parties for marketing

8. Service Availability and Modifications

Service Availability

• We strive for high availability but cannot guarantee 100% uptime
• Services may be temporarily unavailable for maintenance or updates
• We may implement usage limits to ensure fair access for all users
• Some features may require third-party services that could affect availability

Service Modifications

• We may modify, update, or discontinue services at our discretion
• New features may be added without prior notice
• We will attempt to provide notice of significant changes when possible
• Continued use after modifications constitutes acceptance of changes

9. Limitation of Liability and Disclaimers

Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, KAIBIGANGPT SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUES, DATA, OR USE, WHETHER ARISING FROM CONTRACT, TORT, OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10. Indemnification

You agree to indemnify, defend, and hold harmless KaibiganGPT and its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorney fees) arising from your use of the Service, violation of these Terms, or infringement of any intellectual property or other rights.

11. Termination

• You may stop using our Service at any time
• We may terminate or suspend access for violations of these Terms
• We may discontinue the Service with reasonable notice when possible
• Provisions regarding intellectual property, liability, and indemnification survive termination

12. Governing Law and Dispute Resolution

• These Terms are governed by the laws of the Philippines
• Disputes will be resolved in Philippine courts or through binding arbitration
• You waive the right to participate in class action lawsuits
• Any disputes must be filed within one year of the cause of action

13. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated through our website or email (if you have subscribed). Your continued use of the Service after such modifications constitutes acceptance of the updated Terms. We recommend reviewing these Terms periodically.

14. Severability and Entire Agreement

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect. These Terms, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and KaibiganGPT.

15. Contact Information

If you have any questions, concerns, or legal inquiries regarding these Terms of Service, please contact us: