These Terms of Service ("Terms") constitute a legally binding agreement between you ("you", "your", or "User") and Dluvan Ali, based in Switzerland, who operates the Service under the name Risphai ("we", "us", or "our"). Dluvan Ali is the service operator and your contractual counterparty. Risphai is the service name, not a separate legal entity.

By creating an account or using the Risphai AI assistant service available at risphai.com and through our mobile apps (the "Service"), you agree to these Terms. Our Privacy Policy explains how personal data is processed. Reading public information pages does not require creating an account or purchasing the Service.

If you do not agree to these Terms, you must not create an account or use the Service. Changes to these Terms are handled as described in Section 19. The Privacy Policy explains our data practices and does not replace any consent required by law.

Risphai is an AI assistant that selects available models and tools based on your request and settings. It can provide text responses, research, code, generated files and media, voice features, personalization, projects, and scheduled tasks.

You interact with artificial intelligence. Outputs may be inaccurate, incomplete, unsuitable, or similar to another user's output. Model selection, availability, response times, and results can vary. We do not promise that a particular model or result is the best available.

The Service is not an emergency service or a substitute for qualified professional advice. You remain responsible for reviewing outputs, supervising code or automated tasks, and verifying that time-sensitive work has completed. Do not use outputs as the sole basis for decisions affecting someone's health, safety, legal rights, or access to essential services.

Privacy features: Incognito limits saved conversation history; Privacy Mode controls eligible text-model processing and supported Google image requests routed through OpenRouter. Temporary processing and separate retention rules still apply. Search, page reading, research retrieval, other media generation, voice, and required safety checks follow separate retention rules. See our Privacy Policy for scope and retention.

AI providers: Requests may be processed directly by AI providers or routed through OpenRouter and its selected inference providers, including for fallback processing. Depending on the model, these inference providers can include OpenAI, Microsoft Azure, Google AI Studio, Google Vertex AI, Anthropic, Amazon Bedrock, xAI, InferenceNet, Morph, DeepInfra, CoreWeave, DigitalOcean, NextBit, Novita, Ionstream, Makora, Relace, Wafer, Baseten, Together, Modal, Parasail, Venice, Near AI, Phala, SiliconFlow, Reka, Sail Research, and Prime Intellect. OpenRouter processes request content and an internal user identifier under our data processing agreement and retains usage and security metadata under its applicable policies. Media generation, including MiniMax video models and fallback processing for supported Google, xAI and ElevenLabs image, video and sound-effect models, may be processed by fal, which can pass the content needed for processing to the model developer, including Google, xAI, MiniMax and ElevenLabs, under our data processing agreement. Our Privacy Policy identifies recipients and processing purposes. Model availability and privacy eligibility depend on the selected endpoint.

Service changes: We may change available features or providers and may interrupt the Service for maintenance, security, legal requirements, or circumstances beyond our reasonable control. For material changes affecting a paid subscription, we will provide notice where reasonably practicable and any cancellation, refund, or other remedy required by applicable law. Emergency restrictions may take effect immediately.

To use the Service, you must meet the following requirements:

• Minimum age: You must be at least 18 years old to create an account or use the Service. The Service is not intended for people under 18.
• Legal capacity: You must have the legal capacity to enter into a binding agreement in your jurisdiction. If local law requires a higher age, that higher requirement applies. Parental permission does not allow someone under 18 to use the Service.
• Compliance: You must comply with all applicable local, national, and international laws and regulations when using the Service.

We may refuse service or restrict access where we reasonably believe that a User does not meet these requirements, subject to proportionate action, applicable notice and review rights. Availability also depends on provider and payment coverage and applicable territorial restrictions; access to the website is not a promise that every feature is available in every country.

To access the Service, you must create an account. By registering, you agree to the following:

• Accurate information: You must provide accurate and complete information during registration and keep your account information up to date.
• One account per person: Each individual may only create and maintain one account. Creating multiple accounts is prohibited.
• Account security: Take reasonable care to protect your password and account access. You are responsible for activity you authorize and, to the extent permitted by law, losses caused by your failure to take that care. We recommend enabling multi-factor authentication (MFA) for additional security.
• No sharing: You may not share your account credentials with any other person or allow others to access the Service through your account.
• Notification of unauthorized use: For support, privacy requests, data protection requests, abuse reports, copyright complaints, illegal content reports, and legal notices, contact us at support@risphai.com. You must immediately notify us at the same address if you become aware of any unauthorized use of your account or any other breach of security.

To the extent permitted by law, we are not responsible for losses attributable to your breach of these security obligations. This does not exclude responsibility for our own breach or remove mandatory rights. All liability limitations remain subject to Section 15.

Subscription Plans

Risphai offers the following subscription plans. For Lite, Standard, and Premium you may choose monthly or yearly billing at checkout; the subscription benefits (including monthly credit amounts) are the same for both cycles except as stated below.

Prices may differ depending on platform, region, taxes, currency conversion, app store fees, promotions, and the payment provider used. Web base prices exclude applicable tax. The payment form shows the base price, applicable tax, currency, total and subscription renewal price before you commit to payment. Annual billing charges eleven months of the base monthly price for twelve months of access.

Credit System

The Service operates on a credit-based system. Each AI request, generation, or action consumes a certain number of credits depending on the task, length and the type of content generated. Current rates and applicable limits are shown in the product and pricing information. Estimates are not fixed quotes unless expressly stated. Changes apply prospectively and do not alter the purchase price or quantity of credits already bought.

Accepted incognito generations may continue in the background after navigation, tab focus loss, starting a new chat, or mobile backgrounding. Credits for those accepted runs may be deducted when the run finishes, even if you are no longer viewing the original page.

Credit consumption reflects the work performed, including context processing, generated output, tool use, and provider usage charges. Multi-step requests can consume more than a simple request. Contact support if you believe credits were deducted incorrectly; mandatory remedies remain available.

Each completed AI response also includes a processing charge. We add 0.1 credits to the credits used by the generation and then add 10% to that total. For example, a generation that uses 1 credit is charged 1.21 credits. The processing charge applies once per completed response, is not charged when a generation fails or is cancelled before it completes, and never exceeds your available credit balance. It is included in the credit estimates shown in the product and in the credits shown for each response.

Additional credits can be purchased in packages:

Payment Processing

Dluvan Ali, operating under the name Risphai, remains the seller and provider of the Risphai service. Web purchases identified at checkout as "Sold through Link" use Stripe Managed Payments. Sold through Link, LLC, a Stripe affiliate, acts as the merchant of record for those transactions and handles payment collection, transaction receipts, applicable indirect taxes within its supported coverage, and transaction-related support. The applicable Sold through Link terms and refund policy govern those transaction services. Risphai remains responsible for providing the service and handling product and account support. Your mandatory consumer rights remain unaffected.

Other web purchases, including existing subscriptions that were not purchased through Managed Payments, are processed by Stripe under the payment terms applicable to that transaction. We do not store your credit card number, CVV, or full billing address for those flows. Purchases inside the Risphai iOS or Android app are processed subject to Apple App Store or Google Play terms respectively; entitlement and renewal information is synchronized via RevenueCat and stored as described in our Privacy Policy. The total, currency and applicable taxes are shown before payment at checkout.

Automatic renewal: All paid subscription plans (Lite, Standard, Premium) automatically renew at the end of your current billing period unless canceled before the renewal date. If you chose monthly billing, renewal is monthly; if you chose yearly billing, renewal is once per year at the annual price. By subscribing, you authorize the payment provider identified at checkout to collect the recurring payments.

Cancellation: You may cancel web subscriptions through Risphai's Billing page. For subscriptions purchased through Managed Payments, you may also manage or cancel the subscription through Link. You can submit a cancellation notice without signing in through Cancel subscription hereor by contacting support@risphai.com. No additional login or confirmation click is required for a valid notice. For App Store or Google Play subscriptions, cancel through the subscription controls of the store where you purchased. Account deletion does not itself cancel store billing. Cancellation takes effect at the end of the current billing period (the month or year you have already paid for, depending on your billing cycle). You will retain access to your plan's benefits until the end of that period.

Credits on cancellation: Upon cancellation, any remaining credits included with your subscription plan (including monthly plan credit allotments for both monthly and yearly subscribers) will be forfeited at the end of the billing period. Credits that you purchased separately (pay-as-you-go) will be preserved and remain available in your account.

Downgrade: After cancellation, your account will revert to the Pay As You Go plan (if you have purchased credits) or the Free plan (if you have no purchased credits remaining).

Web plan changes: A higher-tier upgrade starts a new billing term after successful checkout. Eligible unused value from the existing subscription is applied as shown before payment; purchased credits are preserved. For an eligible annual-to-monthly higher-tier upgrade, checkout charges the new monthly price and separately refunds the stated unused annual value to the original payment sources. Only eligible subscription value counts; spent or expired allocations do not create an upgrade credit. Downgrades and same-tier billing-cycle changes normally take effect at renewal. Store subscriptions follow the store's change process. These rules do not limit statutory remedies.

Except where required by applicable law or expressly offered at checkout, all purchases are final. We do not offer a voluntary money-back guarantee, additional cooling-off period, or discretionary refunds for unused or consumed credits, partial billing periods, forgetting to cancel renewal, account deletion, or a change of mind. Personal dissatisfaction with an otherwise conforming service, a preference for another model, or not achieving a desired result does not by itself create a refund entitlement. This policy does not limit remedies for incorrect charges, failure to provide the contracted service, defective services, or other mandatory consumer rights.

Any upgrade discount or refund expressly stated in the purchase flow is honored under the rules in Section 6. It does not create a general right to redeem credits for cash or obtain other discretionary refunds. A statutory refund or correction of an incorrect charge remains separate.

For purchases identified as "Sold through Link," Link's refund policy also applies. If that policy provides a refund that our policy would exclude, Link's policy takes precedence. Nothing in our policy restricts refunds issued by Link or your mandatory consumer rights.

Statutory withdrawal: Where applicable distance-selling law gives you a withdrawal period, you may notify us of your decision to withdraw using Withdraw from contract here, or by an unequivocal statement to support@risphai.com or the postal address in Section 20. For EU/EEA consumers this is generally 14 days from contract conclusion, subject to applicable exceptions. You may use a statutory model form but are not required to do so.

Accepting these Terms or starting to use the Service does not, by itself, waive a statutory withdrawal right. Any request for early performance, consent, acknowledgement of loss of a withdrawal right, and contract confirmation must meet the legal requirements for the particular service or digital content. An ongoing service subscription does not automatically lose its withdrawal right when use begins. Where you separately request immediate performance and we meet the applicable information and confirmation requirements, we may retain or recover the lawful proportionate amount for service supplied before withdrawal. The amount is determined under applicable law and the particular contract; using all credits does not by itself establish that no refund is due.

Where withdrawal requires reimbursement, we will reimburse within the applicable deadline, normally 14 days after receiving your notice, using the original payment method unless you expressly agree otherwise. For store purchases, use the store's refund procedure; you may also contact us for help. Store procedures do not remove mandatory rights.

Model Withdrawal Form

The withdrawal form and model notice provide a way to exercise an existing statutory right. They do not create a worldwide contractual withdrawal right, extend an applicable deadline, or automatically approve a refund. We assess the applicable right and any lawful deduction for each purchase. Cancelling future subscription renewal is separate and does not by itself entitle you to reimbursement for the current billing period. Complete and send this only if you wish to exercise an applicable withdrawal right.

I/We hereby give notice that I/We withdraw from my/our contract for the following service or digital content: [description]. Ordered on: [date]. Name of consumer(s): [name]. Address of consumer(s): [address]. Signature of consumer(s), only if sent on paper: [signature]. Date: [date]. Delete wording that does not apply.

Billing disputes: Contact support with the transaction date and an explanation of the issue. Contacting us first is encouraged and does not prevent you from using statutory remedies or your payment provider's dispute process.

Sensitive personal information: Do not submit sensitive personal information about yourself or anyone else in messages, uploads, profile fields, custom instructions, or memories. This includes health information, racial or ethnic origin, political or religious beliefs, trade-union membership, genetic or biometric identification data, sexual life or orientation, and criminal-offence information. Do not submit passwords, API keys, payment-card or bank-account details, government identification numbers, or confidential third-party information. General questions about these topics that do not reveal personal information are allowed.

You agree not to use the Service to:

• Generate, upload, store, or distribute any content that is illegal, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable under applicable law.
• Generate or distribute child sexual abuse material (CSAM) or any content that exploits or harms minors in any way.
• Generate content that promotes violence, terrorism, self-harm, or hatred against individuals or groups based on race, ethnicity, religion, gender, sexual orientation, disability, or any other protected characteristic.
• Impersonate any person or entity, or falsely state or misrepresent your affiliation with a person or entity.
• Use the Service to create malware, phishing tools, spam, or any software or content designed to damage, disable, or gain unauthorized access to computer systems.
• Circumvent, disable, or otherwise interfere with the Service's security features, rate limits, credit system, or content moderation systems.
• Reverse engineer, decompile, disassemble, or attempt to derive the source code of the Service or any of its components, except to the extent applicable law grants a right that cannot be excluded by contract.
• Scrape, crawl, or use automated means to access the Service or extract data from it, except as expressly permitted by us.
• Use the Service for any commercial purpose that competes directly with Risphai without our prior written consent.
• Infringe upon or violate the intellectual property rights, privacy rights, or other rights of any third party.
• Create non-consensual intimate content, unlawfully imitate a person's likeness or voice, or use synthetic media to deceive or harm others.
• Use AI-generated outputs for fraudulent purposes, including but not limited to creating fake identities, forged documents, or misleading information intended to deceive others.
• Transmit any viruses, worms, trojan horses, or other harmful or destructive code.
• Interfere with or disrupt the integrity or performance of the Service or its underlying infrastructure.

Violations may result in request blocking, content removal, account restrictions, or lawful reporting to authorities. Enforcement, notice, and review follow Section 9. Serious abuse or urgent security and legal requirements may require immediate action.

We use automated safety systems and provider controls to assess messages, uploads, instructions, and other content for suspected policy violations. Processing or storage may be refused if screening cannot be completed. These systems can make mistakes and do not guarantee that every unlawful or harmful item will be detected.

Depending on the seriousness, repetition, and circumstances of a violation, we may block a request, remove content, restrict features, suspend an account, or terminate access. We may retain limited enforcement records and disclose information to authorities where required or permitted by law. Detailed detection methods and enforcement thresholds are not published.

Where required by law, we will explain a restriction and provide an opportunity to challenge it. Immediate action may be needed for security, serious abuse, or legal requirements. You may request review by a person at support@risphai.com, explain the circumstances, and provide relevant information. Automated classifications are not legal determinations.

A restriction does not automatically cancel external store billing. If you cannot access subscription controls, contact support or the store where you subscribed. Termination and billing remain subject to mandatory cancellation and refund rights.

To report unlawful content or copyright infringement, identify the content or URL, explain the legal issue and your rights, provide contact details, and confirm that your report is accurate to the best of your knowledge. We may request further information and act as required by law.

Ownership: You retain all ownership rights to the content you submit, upload, or input into the Service ("User Content"), including messages, prompts, prompt templates, uploaded files, project files, text notes, custom instructions, and memory entries you choose to save while the Memories feature is enabled.

License to us: By submitting User Content to the Service, you grant us a non-exclusive, worldwide, royalty-free, sublicensable license to use, process, store, reproduce, and transmit your User Content solely for the purpose of operating and providing the Service. This includes transmitting your content to third-party AI providers for processing. This license is limited to providing, securing, and maintaining the Service and ends when your content is deleted, except for processing necessary to complete work you authorized, carry out deletion, or meet legal obligations as described in the Privacy Policy. It does not grant us a right to sell your content or train AI models on it.

Your responsibility: You are solely responsible for the legality, accuracy, and appropriateness of all User Content. You represent and warrant that you own or have the necessary rights, licenses, and permissions to submit all User Content, and that your User Content does not infringe upon the intellectual property rights, privacy rights, or any other rights of any third party.

Content review: Screening does not guarantee that your content is lawful or suitable. We may remove content that violates these Terms and meet any content handling obligations imposed by applicable law.

Nature of AI outputs: Responses, images, videos, audio, code, code-generated files, and other content generated by the Service ("AI-Generated Content") are produced using artificial intelligence and automated tools. Outputs are normally delivered without prior human review or verification by Risphai. Providing an output does not mean that we endorse it or have verified its accuracy, legality, or suitability.

No ownership claim: We do not claim ownership over AI-Generated Content produced in response to your inputs. Subject to these Terms and the terms of the underlying third-party AI providers, you may use AI-Generated Content for personal or commercial purposes.

No guarantee of uniqueness: AI-Generated Content is not guaranteed to be unique. Other users may receive similar or identical outputs from the same or similar prompts. We make no representation that AI-Generated Content is eligible for copyright protection in any jurisdiction.

Accuracy disclaimer: AI-Generated Content may contain inaccuracies, errors, omissions, or hallucinations. You must not rely on AI-Generated Content for medical, legal, financial, engineering, or other critical decisions without independent professional verification. Any liability exclusion is subject to Section 15 and mandatory law. You must review outputs before relying on, publishing, or executing them, including checking factual claims, permissions, and code safety.

Disclosure obligations: Where applicable law or regulation requires disclosure that content was generated by AI, you are responsible for disclosures required for your own publication or use. This does not transfer any disclosure or marking obligation that applicable law places on Risphai. You may not represent AI-Generated Content as human-created where such representation is prohibited by law, or remove required provenance or AI-origin labels to mislead others.

Rights clearance: Permission to use an output does not clear rights in third-party material, likenesses, trademarks, or source content. Specific usage restrictions disclosed for a feature and applicable third-party licenses remain relevant. Provider information is available in our Privacy Policy.

Intellectual property and creator credit: Risphai was created and developed by Rahand Ali. Copyright in his original software, design, and documentation remains with Rahand Ali. Operating the Service under Dluvan Ali's name does not transfer that copyright. Third-party components, content, and marks remain subject to their respective owners' rights and licenses. Copyright © 2024–2026 Rahand Ali. All rights reserved in his original work.

Limited license: We grant you a limited, non-exclusive, non-transferable license to access and use the Service for its intended purpose, subject to these Terms. Suspension or termination follows Sections 9 and 17. This license does not grant rights to copy, modify, distribute, sell, lease, sublicense, or create derivative works of our proprietary software, except as permitted by applicable law or an applicable license.

Restrictions: You may not reproduce, distribute, publicly display, reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of our proprietary software, except to the extent applicable law grants a right that cannot be excluded by contract or an applicable license permits it. You may not remove, alter, or obscure required copyright, trademark, or other proprietary notices.

Third-party components: The Service uses third-party open-source components, including Boxicons (MIT License, Copyright © 2015-2021 Aniket Suvarna). These components are subject to their respective licenses.

Feedback: If you provide us with feedback, suggestions, or ideas regarding the Service, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use, modify, and incorporate such feedback without any obligation to you.

The Service uses providers for infrastructure, AI processing, hosted open-source models, search, media, authentication, and payments. Provider identities, purposes, data categories, and locations are listed in our Privacy Policy. Available models and integrations may change.

Third-party content, external websites, and services you access separately may have their own terms. You are responsible for having permission to submit or access content and for complying with applicable copyright and access restrictions. Search availability does not establish permission to reuse a source.

External providers may experience outages or produce inaccurate results. We do not warrant third-party content or independent services. Our responsibility for providers we engage remains subject to applicable law, our contract with you, and the limitations in Section 15.

Privacy Mode applies only within the scope described in the Privacy Policy. Search, retrieval, media, and required safety processing follow their own retention rules. Website owner controls and their scope are explained on our Crawler Page.

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. These disclaimers apply only where lawful. They do not override express contractual commitments, mandatory service conformity requirements, or our obligations under data protection law.

Technical failures and privacy controls: The Service, including incognito, privacy settings, storage, and deletion processes, may experience software bugs, outages, configuration errors, or provider failures. These can cause interrupted processing, unintended storage, or retention beyond normal cleanup periods. Privacy features do not guarantee immediate deletion of every copy or error-free operation. We take reasonable steps to investigate identified failures and address unintended retention as described in our Privacy Policy. These limitations do not authorize unnecessary retention or remove statutory deadlines, mandatory data protection duties, or remedies required by law. Liability remains subject to Section 15.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
• ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.
• ANY WARRANTY REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR QUALITY OF AI-GENERATED CONTENT OR ANY OTHER CONTENT PROVIDED THROUGH THE SERVICE.
• ANY WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS.
• ANY WARRANTY THAT DEFECTS WILL BE CORRECTED OR THAT THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

AI-GENERATED CONTENT MAY CONTAIN ERRORS, INACCURACIES, OR HALLUCINATIONS. THE SERVICE IS NOT A SUBSTITUTE FOR PROFESSIONAL ADVICE IN ANY FIELD, INCLUDING BUT NOT LIMITED TO MEDICINE, LAW, FINANCE, ENGINEERING, OR TAX. YOU USE THE SERVICE AND RELY ON ITS OUTPUTS ENTIRELY AT YOUR OWN RISK.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. IN SUCH JURISDICTIONS, THE ABOVE EXCLUSIONS APPLY TO THE MAXIMUM EXTENT PERMITTED BY LAW.

SUBJECT TO THE EXCEPTIONS AND MANDATORY RIGHTS BELOW, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, DLUVAN ALI, AS THE OPERATOR OF RISPHAI, SHALL NOT BE LIABLE FOR:

• ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES.
• ANY LOSS OR DAMAGE ARISING FROM THE ACCURACY, RELIABILITY, OR COMPLETENESS OF AI-GENERATED CONTENT.
• ANY DECISIONS MADE OR ACTIONS TAKEN BASED ON AI-GENERATED CONTENT.
• ANY UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA OR TRANSMISSIONS.
• ANY INTERRUPTION, SUSPENSION, OR TERMINATION OF THE SERVICE.
• ANY FAILURES, ERRORS, OR UNAVAILABILITY OF THIRD-PARTY SERVICES THAT THE SERVICE DEPENDS ON.
• ANY LOSS OF DATA, INCLUDING BUT NOT LIMITED TO CONVERSATIONS, GENERATED CONTENT, OR ACCOUNT INFORMATION.
• ANY CONDUCT OR CONTENT OF ANY THIRD PARTY IN CONNECTION WITH THE SERVICE.

LIABILITY CAP: IN ANY EVENT, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE TOTAL AMOUNT YOU HAVE PAID TO US IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. IF YOU HAVE NOT MADE ANY PAYMENTS TO US, OUR TOTAL LIABILITY SHALL NOT EXCEED TEN US DOLLARS ($10.00 USD).

THE LIMITATIONS IN THIS SECTION APPLY REGARDLESS OF THE THEORY OF LIABILITY (WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

FOR CONSUMERS, THESE EXCLUSIONS AND THE CAP APPLY ONLY TO THE EXTENT COMPATIBLE WITH MANDATORY CONSUMER LAW. THEY DO NOT REMOVE REQUIRED REMEDIES FOR FAILURE TO PROVIDE THE CONTRACTED SERVICE OR EXCLUDE FORESEEABLE LOSSES WHERE SUCH EXCLUSION WOULD BE UNFAIR OR UNLAWFUL.

SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR CERTAIN DAMAGES. IN SUCH JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW. NOTHING IN THESE TERMS EXCLUDES OR LIMITS LIABILITY FOR INTENTIONAL MISCONDUCT, GROSS NEGLIGENCE, FRAUD, DEATH OR PERSONAL INJURY WHERE LIABILITY CANNOT LAWFULLY BE LIMITED, MANDATORY DATA PROTECTION COMPENSATION, OR ANY OTHER LIABILITY THAT APPLICABLE LAW DOES NOT ALLOW US TO EXCLUDE OR LIMIT. THESE EXCEPTIONS APPLY TO EVERY EXCLUSION AND TO THE LIABILITY CAP ABOVE.

If you use the Service for business purposes, you agree, to the extent permitted by law, to indemnify Dluvan Ali, as the operator of Risphai, against third-party claims and reasonable related costs caused by your unlawful content, infringement of third-party rights, or material breach of these Terms.

This obligation does not apply to consumer use, lawful use of the Service, or losses caused by our own breach, negligence, or misconduct. We will notify you promptly of a claim, give you a reasonable opportunity to participate in its defense, and take reasonable steps to limit losses. No settlement may impose an admission or additional obligation on you without your consent.

Termination by You

You may delete your account at any time through your account settings. Before deleting your account, cancel subscription renewal to prevent further charges. You do not need to wait for an already cancelled paid period to end. Contact support for help with erasure or store purchases. Account deletion initiates removal of your operational data, including conversations, messages, generated media, uploaded files, profile information, and credit balances. Deletion and limited retention are described in the Privacy Policy; removal from active systems and backups may occur on different schedules. After ordinary account deletion, we retain your email address in a suppression list for 30 days to prevent repeated signup claims of free credits. If the account was permanently banned, the suppression record has no automatic expiry to enforce the ban, subject to periodic necessity review, appeals and applicable erasure and objection rights, as described in our Privacy Policy. Limited payment transaction metadata required under applicable tax and accounting law is retained with the internal account association removed; this does not necessarily anonymize payment-provider records; that bookkeeping retention is separate from the email suppression list.

Termination or Suspension by Us

We may suspend or terminate your account for the following reasons, subject to proportionate action, notice where required, and the review process in Section 9:

• You violate these Terms, including the Acceptable Use Policy.
• We are required to do so by law, regulation, or legal process.
• We reasonably believe that your account poses a security risk or has been compromised.
• You engage in fraudulent, abusive, or illegal activity.
• Your account has been inactive for an extended period, after reasonable notice and an opportunity to preserve your data where practicable.

Effect of Termination

Upon termination of your account, whether by you or by us:

• Your right to access and use the Service will immediately cease.
• Data associated with your account is handled as set out in our Privacy Policy, including retention of payment records with the account association removed where applicable law requires it and post-deletion email suppression where described.
• Any remaining credits (both subscription and purchased) will be forfeited except where applicable law requires otherwise.
• Sections of these Terms that by their nature should survive termination will remain in effect, including but not limited to: Disclaimer of Warranties, Limitation of Liability, Indemnification, and Governing Law.

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

Jurisdiction: Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Switzerland, unless mandatory consumer protection laws in your jurisdiction provide otherwise.

Dispute resolution: We encourage you to contact us to resolve disputes informally. This is voluntary and does not delay urgent relief, statutory deadlines, complaints to authorities, or access to a competent court. For support, privacy requests, data protection requests, abuse reports, copyright complaints, illegal content reports, and legal notices, contact us at support@risphai.com. We will attempt to resolve the dispute through good faith negotiation within 30 days. If the dispute cannot be resolved through negotiation, either party may pursue formal legal remedies.

Consumer rights: If you are a consumer, you retain any mandatory consumer protection rights granted to you by the laws of your country of residence. Nothing in these Terms shall affect your statutory rights as a consumer that cannot be waived or limited by contract. Where your jurisdiction offers official consumer dispute resolution or online dispute resolution tools, you may use those procedures if you qualify.

Force majeure: Subject to Section 15 and mandatory law, we are not liable for failure or delay caused by circumstances beyond our reasonable control that we could not reasonably prevent or mitigate, such as natural disasters, war, government restrictions or major infrastructure failures. We will take reasonable steps to limit the effects. This does not remove applicable cancellation, reimbursement or service-conformity remedies.

We reserve the right to modify these Terms at any time. When we make material changes, we will:

• Update the "Last updated" date at the top of this page.
• Notify you via email or through a prominent notice within the Service.

Material changes apply prospectively. We will give reasonable advance notice where practicable, explain when they take effect, and obtain express acceptance where required. Changes needed urgently for security or legal compliance may take effect sooner. You may cancel before new terms apply; accrued rights and mandatory remedies remain unaffected. Continued use counts as acceptance only where applicable law permits.

Severability: If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

Waiver: Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by us to be effective.

Entire agreement: These Terms, together with our Privacy Policy and express commitments in your purchase confirmation or checkout, govern your use of the Service. They supersede earlier communications only to the extent permitted by law and do not exclude mandatory pre-contract information, liability for fraud or accrued rights. The Privacy Policy is a notice and does not replace separately required consent.

Assignment: You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may transfer this agreement in connection with a reorganization or business transfer where permitted by law, with notice where required and without reducing your mandatory rights.

For support, privacy requests, data protection requests, abuse reports, copyright complaints, illegal content reports, and legal notices, contact us at

If you have any other questions regarding these Terms of Service, please use the same address.