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Terms of Service

Terms of Service

Last Updated: January 2025

By using hilm.ai, you agree to these Terms of Service. Please read them carefully.

Acceptance of Terms

By accessing or using hilm.ai through Telegram, you agree to be bound by these Terms. If you disagree with any part of these terms, you may not use our service.

Description of Service

hilm.ai is an AI-powered personal finance assistant that helps you:

  • Track expenses via text, voice, or receipt photos
  • Get insights about your spending
  • Receive personalized financial advice

Eligibility

You must be:

  • At least 18 years old
  • Legally capable of entering into contracts
  • Using the service in compliance with applicable laws

Account and Subscription

  • Free Trial: New users receive 5 free messages and a 7-day free trial
  • Subscriptions: After the trial, you can subscribe to monthly or annual plans
  • Billing: Subscriptions are processed through Stripe. You authorize us to charge your payment method.
  • Cancellation: You can cancel your subscription at any time. Cancellation takes effect at the end of your billing period.
  • Refunds: Refund requests are handled on a case-by-case basis. Contact us via Telegram (@omark4y) or email at [email protected].

User Responsibilities

You agree to:

  • Provide accurate and truthful information
  • Use the service only for lawful purposes
  • Not share your account with others
  • Not attempt to reverse engineer or hack the service
  • Not use the service to violate any laws or regulations

Financial Advice Disclaimer

Important: hilm.ai provides informational insights and suggestions, not professional financial, legal, or investment advice. You should:

  • Consult qualified professionals for major financial decisions
  • Verify important information independently
  • Understand that past performance doesn’t guarantee future results
  • Use your own judgment when making financial decisions

We are not responsible for any financial losses or decisions made based on our service.

Data and Privacy

  • Your data belongs to you
  • We handle your data according to our Privacy Policy
  • You can export or delete your data at any time
  • We use industry-standard security measures, but no system is 100% secure

Service Availability

  • We strive for 99.9% uptime but don’t guarantee uninterrupted service
  • We may perform maintenance that temporarily affects availability
  • We reserve the right to modify or discontinue features

Beta Product Notice

hilm.ai is currently in beta. This means:

  • Features may change or be removed
  • There may be bugs or errors
  • We’re actively improving the product
  • Your feedback helps us build better features

Limitation of Liability

To the maximum extent permitted by law:

  • hilm.ai is provided “as is” without warranties
  • We are not liable for indirect, incidental, or consequential damages
  • Our total liability is limited to the amount you paid in the last 12 months

Intellectual Property

  • The hilm.ai service, including AI models and software, is our property
  • You retain ownership of your data and content
  • You grant us a license to use your data to provide the service

Termination

We may suspend or terminate your account if you:

  • Violate these Terms
  • Engage in fraudulent or illegal activity
  • Abuse the service or other users

You can terminate your account at any time by canceling your subscription and requesting data deletion.

Changes to Terms

We may update these Terms from time to time. We’ll notify you of significant changes via Telegram. Continued use after changes constitutes acceptance.

Governing Law

These Terms are governed by the laws of [Your Jurisdiction]. Any disputes will be resolved through binding arbitration.

Contact Us

If you have questions about these Terms, contact us:

Thank you for using hilm.ai. We’re building something special, and your trust means everything to us.