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Effective date: May 1, 2026
Last updated: May 11, 2026
Welcome to SplatChat. These Terms of Service ("Terms") are a legally binding agreement between you and SplatChat governing your access to and use of the SplatChat website at splatchat.com, our applications, APIs, and all related services (collectively, the "Service"). By accessing or using the Service you agree to be bound by these Terms. If you do not agree, do not use the Service.
Please read these Terms carefully, including the dispute resolution and arbitration clause in Section 18, which affects how disputes are resolved and includes a class action waiver. If you do not wish to be bound by the arbitration clause, you may opt out as described in Section 18.3.
You must be at least 13 years of age to use the Service. If you are between 13 and 17, you may only use the Service with the prior consent and ongoing supervision of a parent or legal guardian who has read and agrees to be bound by these Terms on your behalf. The parent or guardian assumes full responsibility for the minor’s use of the Service.
Some characters on the platform may feature mature themes, strong language, or adult personality traits. Users under 18 should exercise discretion. We reserve the right to terminate accounts where we reasonably believe the age requirement has not been met, and to require verification at any time.
By using the Service you represent and warrant that (a) you meet the applicable age requirement; (b) you have the legal capacity to enter into these Terms; and (c) your use of the Service does not violate any applicable law or regulation.
Certain features require you to create an account. You may register using an email address or through Google OAuth. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to provide accurate, current, and complete information during registration and to update it as necessary. You must notify us immediately of any unauthorized use of your account at legal@splatchat.com.
We are not liable for any loss or damage arising from your failure to protect your account credentials. Anonymous or guest use is permitted for basic conversations, but memories, favorites, character creation, billing features, Developer API access, and Meeting Bot functionality require an authenticated account.
SplatChat provides real-time AI-powered conversations and related services. The Service includes:
We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice. We are not liable to you or to any third party for any modification, suspension, or discontinuation of the Service.
All character responses, voice output, generated images, generated documents, meeting deliverables (such as meeting notes, investment memos, legal reviews, and financial summaries), character blog posts, and avatar renderings are produced by artificial intelligence systems. You acknowledge and agree to the following:
You acknowledge that you interact with AI systems at your own risk and that SplatChat is not liable for any action you take or fail to take in reliance on AI-generated content.
"User Content" means any photographs, text, voice recordings, character configurations, or other materials you provide to the Service.
Your ownership. You retain all ownership rights in your User Content. By uploading or submitting User Content you grant SplatChat a worldwide, non-exclusive, royalty-free, sublicensable license to use, reproduce, process, adapt, and display your User Content solely for the purposes of (a) operating and providing the Service to you; (b) improving the technical performance, quality, and safety of the Service using aggregated or de-identified data; and (c) as otherwise described in our Privacy Policy. This license terminates when you delete your User Content or your account, subject to the retention periods described in our Privacy Policy.
AI training. We do not use your identifiable personal conversations or personal photos to train third-party AI models without your explicit opt-in consent. Aggregated, de-identified, or anonymized usage data may be used to improve our systems.
Photo uploads and biometric data. When you upload a photograph for avatar creation the image is processed to generate a 3D avatar model. You represent and warrant that you have the right to upload any photograph you submit and that doing so does not infringe any third party’s intellectual property, privacy, or publicity rights. The collection and processing of biometric data from photographs is governed by our Biometric Data Policy.
Characters you create. Custom characters you create, including their personality, backstory, and configuration, remain your intellectual property. Characters you mark as public or unlisted may be discovered and interacted with by other users. You are solely responsible for the content and behavior of characters you create, including compliance with all applicable laws, and for any AI-generated content (including blog posts) published under those characters.
Feedback. If you provide feedback, suggestions, or ideas about the Service ("Feedback"), you grant SplatChat a perpetual, irrevocable, worldwide, royalty-free license to use and incorporate such Feedback for any purpose without compensation or attribution to you.
SplatChat IP. The Service, its underlying technology (including 3D Gaussian Splatting rendering, AI model weights, software, and systems), branding, and all related intellectual property are owned by SplatChat and its licensors. Nothing in these Terms grants you any right to use our trademarks, logos, or brand features without prior written consent.
Our complete Acceptable Use Policy is available at splatchat.com/aup. By using the Service you agree to comply with it. In summary, you agree not to use the Service to:
We reserve the right to suspend or terminate your access for violation of these Terms or the Acceptable Use Policy, with or without notice, at our sole discretion. We may refer illegal conduct to law enforcement.
SplatChat respects intellectual property rights and complies with the Digital Millennium Copyright Act (17 U.S.C. § 512). If you believe content on the Service infringes your copyright, you may submit a takedown notice to our designated agent as described in our DMCA Policy.
We will remove or disable access to allegedly infringing material upon receipt of a valid, compliant takedown notice. In accordance with our repeat infringer policy, we may terminate the accounts of users who repeatedly infringe the intellectual property rights of others.
You represent and warrant that all User Content you upload, including photographs used for avatar creation, does not infringe any third party’s copyright, trademark, right of publicity, right of privacy, or other intellectual property or proprietary right.
SplatChat offers free and paid subscription plans. Paid plans are billed on a recurring monthly basis through Stripe. By subscribing to a paid plan you authorize us to charge your payment method on a recurring basis until you cancel.
Access to the SplatChat Developer API, Meeting Bot feature, and MCP server is governed by these Terms and any additional documentation or policies we publish. The following applies to all API and programmatic access:
API keys are personal to your account and must not be shared, sold, or transferred. You are responsible for all usage under your API key, including usage by third-party applications you authorize. API keys are scoped (e.g., characters, sessions, memory, bots); you may only use features permitted by your key’s active scopes. We may impose rate limits, usage quotas, or additional fees for API access at any time upon reasonable notice. We may suspend API access for abuse, security concerns, or violations of these Terms.
If you register webhook endpoints, you are responsible for ensuring those endpoints are secure, available, and capable of receiving HMAC-SHA256 signed payloads. SplatChat is not liable for failed webhook deliveries or for any consequences of delayed or lost notifications. You must not expose webhook secrets in client-side code or public repositories.
The Meeting Bot feature allows you to deploy an AI character as a live participant in video meetings. This feature carries significant legal responsibilities that are entirely yours to satisfy. By using the Meeting Bot feature, you agree to the following:
Indemnification for Meeting Bot violations. You agree to indemnify, defend, and hold harmless SplatChat and its affiliates from any claims, damages, penalties, fines, or legal expenses arising out of your failure to comply with the obligations in this Section 9.3, including any violation of applicable wiretapping, recording, or surveillance laws, or any violation of a meeting platform’s terms of service.
The MCP server exposes tools for interacting with social media platforms (including posting, replying, liking, following, and direct messaging on X/Twitter) and other third-party services. You are solely responsible for ensuring your use of these tools complies with the terms of service and rate-limit policies of each platform, as well as all applicable laws (including the Computer Fraud and Abuse Act, anti-spam laws, and platform-specific automation policies). SplatChat is not liable for account suspension, platform bans, or legal consequences arising from your use of social tools.
SplatChat allows you to connect third-party services — including project management tools (Linear), CRM platforms (HubSpot, Salesforce, Pipedrive), email providers (Gmail, Outlook), and others — to your account so that AI characters and Meeting Bots can take actions on your behalf within those services.
Your use of the Service is also governed by our Privacy Policy, Biometric Data Policy, and Cookie Policy, each incorporated herein by reference. By using the Service you consent to the data practices described in those documents.
The Service integrates with third-party providers including AI language and voice model providers (xAI, OpenAI, Anthropic, ElevenLabs), cloud infrastructure and GPU compute providers (Cloudflare, Modal), bot container hosting (Fly.io), real-time communication infrastructure (LiveKit), speech-to-text services (Deepgram), email delivery (Resend), payment processors (Stripe), database services (Supabase), and error tracking (Sentry). Your use of the Service may be subject to the terms and policies of these providers. SplatChat is not responsible for the practices, availability, or content of any third-party service.
When you connect third-party integrations (Section 10), your data may also flow to those platforms (including Linear, HubSpot, Gmail, Outlook, Salesforce, Pipedrive, and others) as directed by your authorized AI actions.
The Service may contain links to third-party websites or resources. These links are provided for convenience only. SplatChat has no control over, and is not responsible for, the content, privacy policies, or practices of any third-party websites.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES, BUGS, OR HARMFUL COMPONENTS. WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, OR USEFULNESS OF ANY AI-GENERATED CONTENT, INCLUDING MEETING DELIVERABLES, CHARACTER BLOG POSTS, OR SOCIAL MEDIA CONTENT.
WE MAKE NO WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS, OR THAT ANY DEFECTS IN THE SERVICE WILL BE CORRECTED. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. IN THOSE JURISDICTIONS OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SPLATCHAT AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SUPPLIERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
WITHOUT LIMITING THE FOREGOING, SPLATCHAT IS NOT LIABLE FOR: (A) ANY LEGAL CONSEQUENCES ARISING FROM YOUR USE OF THE MEETING BOT FEATURE, INCLUDING VIOLATIONS OF WIRETAPPING, RECORDING, OR ELECTRONIC SURVEILLANCE LAWS; (B) ANY VIOLATION OF A THIRD-PARTY MEETING PLATFORM’S TERMS OF SERVICE; (C) ANY ERRORS IN AI-GENERATED MEETING DELIVERABLES OR OTHER AI CONTENT ON WHICH YOU RELY; (D) ANY DATA LOSS OR UNAUTHORIZED ACCESS RESULTING FROM YOUR USE OF THIRD-PARTY INTEGRATIONS; OR (E) ANY CONSEQUENCES OF AUTOMATED ACTIONS TAKEN BY AI CHARACTERS WITHIN INTEGRATED THIRD-PARTY SERVICES.
OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100.00 USD).
THE LIMITATIONS IN THIS SECTION APPLY TO THE FULLEST EXTENT PERMITTED BY LAW. SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES; IN SUCH JURISDICTIONS OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED. NOTHING IN THESE TERMS LIMITS OUR LIABILITY FOR FRAUD, WILLFUL MISCONDUCT, GROSS NEGLIGENCE, DEATH, OR PERSONAL INJURY CAUSED BY OUR NEGLIGENCE.
To the fullest extent permitted by law, you agree to indemnify, defend, and hold harmless SplatChat and its affiliates, officers, directors, employees, contractors, agents, licensors, and suppliers from and against any and all claims, demands, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of or access to the Service; (b) your User Content; (c) your violation of these Terms or any applicable law; (d) your violation of any right of a third party, including intellectual property, privacy, or publicity rights; (e) any claim that your User Content caused damage to a third party; (f) your use of the Meeting Bot feature, including any violation of applicable recording, wiretapping, or surveillance laws, or any violation of a third-party meeting platform’s terms of service; or (g) any actions taken by AI characters or Meeting Bots within third-party services you have connected via integrations.
We reserve the right to assume exclusive control of the defense of any matter subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses.
You may terminate your account at any time through your account settings or by contacting us at legal@splatchat.com.
We may suspend or terminate your access to the Service at any time, with or without cause, with or without notice, effective immediately. Reasons for termination include but are not limited to: breach of these Terms, violations of the Acceptable Use Policy, fraud, abuse, non-payment, or legal requirements. Upon termination your right to use the Service ceases immediately. Active Meeting Bot sessions will be terminated upon account suspension.
Upon termination we may retain data as required by law or for legitimate business purposes, as described in our Privacy Policy. Sections 4, 5 (license back from you terminates; our IP rights survive), 13, 14, 15, 17, 18, 19, and 20 survive termination.
The Service is subject to U.S. export control laws and regulations, including the Export Administration Regulations (EAR) and the Office of Foreign Assets Control (OFAC) sanctions programs. You may not use the Service if you are located in, or are a national or resident of, a country subject to a comprehensive U.S. government embargo, or if you are on any U.S. government list of prohibited or restricted parties. You represent and warrant that you are not located in, under the control of, or a national or resident of any such country or on any such list. You agree to comply with all applicable export control and sanctions laws in connection with your use of the Service.
Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court and to have a jury trial.
Before initiating any formal dispute, you agree to contact us at legal@splatchat.com and provide a written description of your dispute, your name, and the remedy you seek. We will try to resolve the dispute informally. If we cannot resolve it within 60 days you may proceed to arbitration or small claims court as described below.
Except as provided in Sections 18.3–18.5, any dispute, claim, or controversy arising out of or relating to these Terms or the Service ("Dispute") shall be resolved exclusively by final and binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect, except as modified by these Terms. The arbitration shall be conducted in the English language. The arbitrator’s award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
Arbitration fees. Filing fees and AAA administrative fees will be allocated as required by the AAA Consumer Arbitration Rules. We will pay the reasonable fees of the arbitrator and any AAA administrative fees for Disputes involving claims of $10,000 or less, unless the arbitrator determines the claim is frivolous or brought for an improper purpose.
Location. Arbitration may be conducted via telephone, video, or written submissions unless you and we agree otherwise. If an in-person hearing is required it shall take place in the county of your primary residence.
You may opt out of this arbitration agreement by sending written notice to legal@splatchat.com with the subject line "Arbitration Opt-Out" within 30 days of first creating your account or 30 days of the effective date of these Terms, whichever is later. Your notice must include your name and account email address. Opting out will not affect your right to use the Service, and you will remain subject to the governing law and venue provisions in Section 18.6. If you opt out, disputes will be resolved in courts as provided in Section 18.6.
Either party may bring an individual claim in small claims court for disputes within that court’s jurisdiction, provided the claim is not part of a class, representative, or consolidated action.
YOU AND SPLATCHAT EACH AGREE THAT ANY DISPUTE RESOLUTION PROCEEDING WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. YOU ALSO WAIVE YOUR RIGHT TO A JURY TRIAL TO THE EXTENT PERMITTED BY APPLICABLE LAW. If a court or arbitrator finds this class action waiver unenforceable as to any particular claim, then that claim must be severed from arbitration and may be pursued in court, but this waiver shall remain in effect for all other claims.
These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles. For any Disputes not subject to arbitration, you and SplatChat consent to the exclusive jurisdiction of the state and federal courts located in Delaware. Notwithstanding the foregoing, either party may seek emergency injunctive or other equitable relief in any court of competent jurisdiction to prevent imminent harm.
EU and UK users. If you are a consumer located in the European Union or the United Kingdom, mandatory consumer protection provisions of your jurisdiction may apply. The arbitration clause may not restrict rights you have under applicable consumer protection law. EU users may also use the EU Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr/.
SplatChat shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, civil disturbances, government action, labor disputes, power outages, internet outages, failure of third-party services or infrastructure, or cyberattacks. In such events we will make commercially reasonable efforts to resume the Service as soon as practicable.
We may update these Terms from time to time. If we make material changes we will notify you by posting the updated Terms on this page, updating the effective date, and (where required or appropriate) providing you with at least 30 days’ advance notice by email or in-app notification. For non-material changes the updated Terms will be effective upon posting.
Your continued use of the Service after the effective date of updated Terms constitutes your acceptance of the changes. If you do not agree to updated Terms you must stop using the Service and may terminate your account.
If you have questions about these Terms, please contact us: