Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the Wolfox AI platform and related services provided by Tholendal Advisors Ltd, trading as Wolfox AI (“Wolfox”, “we”, “us”, “our”). By creating an account, subscribing to a paid tier, or otherwise using our service, you (“you”, “your”, “Customer”) agree to be bound by these Terms.

If you are using the Service on behalf of a company or other legal entity, you represent that you have authority to bind that entity to these Terms.

If you do not agree to these Terms, you must not use the Service.

1. Definitions

• “Service” means the Wolfox AI platform, including all websites, applications, AI-generated audio briefings, intelligence content, and related features made available at wolfox.ai and any successor domains.
• “Account” means your registered user account on the Service.
• “Subscription” means a paid plan you purchase to access additional Service features.
• “Content” means all text, audio, data, summaries, analyses, and other information made available through the Service.
• “Stripe” means Stripe Payments Europe Ltd, our payment processing partner.
• “Free Tier” means the no-cost level of access to the Service with limited features.

2. The Service

Wolfox provides AI-generated audio intelligence content focused on financial and regulatory news for professional use. The Service includes daily briefings, intelligence archives, source links, and related analytical features. Available features depend on your Subscription tier and are described on our pricing page, which forms part of these Terms.

The Service is provided for professional informational purposes only. It does not constitute financial, legal, regulatory, tax, or investment advice. You must not rely on the Service as the sole basis for any business, financial, or investment decision.

3. Account Registration

3.1 To use the Service, you must create an Account by providing accurate, complete, and current information. You are responsible for maintaining the confidentiality of your Account credentials and for all activities that occur under your Account.

3.2 You must be at least 18 years old to create an Account. The Service is intended for use by financial, regulatory, and other professionals.

3.3 You must promptly notify us of any unauthorised access to or use of your Account.

4. Subscription Tiers, Billing, and Renewals

4.1 Tiers

The Service is offered in the following tiers, with features as described on our pricing page:

• Free — limited features at no cost
• Discovery — €9.99 per month
• Personal and Organisation — bespoke tiers available by contact

We may add, modify, or discontinue tiers at our discretion, with reasonable notice for material changes affecting existing subscribers.

4.2 Billing

Paid Subscriptions are billed in advance on a recurring monthly basis through Stripe. By subscribing, you authorise us (via Stripe) to charge your nominated payment method for the recurring Subscription fee at the start of each billing period.

You are responsible for providing accurate and current billing information and maintaining a valid payment method. If a payment fails, we will retry the charge in accordance with Stripe’s standard retry schedule. Continued failure to pay may result in suspension or termination of your Subscription.

4.3 Taxes

Subscription fees are exclusive of all applicable taxes, including value-added tax (VAT), unless explicitly stated otherwise. Where we are required by law to collect VAT or equivalent tax, this will be added to your invoice at the applicable rate based on your location.

Business customers may provide a valid VAT identification number at checkout to enable reverse-charge treatment where applicable under EU VAT rules.

4.4 Renewals

Subscriptions automatically renew at the end of each billing period unless cancelled before the renewal date. You can cancel your Subscription at any time through the Stripe Customer Portal accessible from your Account settings.

4.5 Price Changes

We may change Subscription prices from time to time. We will provide at least 30 days’ notice of any price increase, by email or through the Service. Price changes will take effect at the start of the next billing period after the notice period. If you do not agree to a price change, you may cancel your Subscription before the change takes effect.

5. Refunds and Cancellation

5.1 Cancellation

You may cancel your Subscription at any time through the Stripe Customer Portal. Cancellation takes effect at the end of your current billing period; you will continue to have access to paid features until that date.

5.2 No Prorated Refunds

Subscriptions are non-refundable. We do not provide prorated refunds for partial billing periods following cancellation. You retain access to paid features through the end of the period you have paid for.

5.3 Discretionary Refunds

We may, at our sole discretion, issue refunds in cases such as:

• Material Service failure attributable to us
• Technical errors resulting in duplicate or incorrect charges
• Goodwill, on a case-by-case basis

To request a refund, contact us at the address in Section 17.

5.4 EU Consumer Right of Withdrawal — Waiver

By subscribing and being granted immediate access to the Service, you expressly request immediate delivery of digital content and acknowledge that you lose your 14-day right of withdrawal under the EU Consumer Rights Directive 2011/83/EU once Service access is provided.

You may still cancel your Subscription at any time as described in Section 5.1, but once you have begun using the Service, you are not entitled to a refund of fees already paid in respect of the current billing period.

6. Acceptable Use

You agree not to:

• (a) Use the Service for any unlawful purpose or in violation of any applicable law or regulation
• (b) Resell, sublicense, or otherwise commercially exploit the Service or Content without our prior written consent
• (c) Use automated tools, bots, scrapers, or similar means to access the Service, except as expressly permitted
• (d) Attempt to reverse engineer, decompile, disassemble, or otherwise derive source code from the Service
• (e) Share your Account credentials with any third party or permit multiple individuals to use a single Account
• (f)Use the Service in a manner that could damage, disable, overburden, or impair our infrastructure or interfere with any other party’s use of the Service
• (g) Upload, transmit, or distribute any malicious code, viruses, worms, or harmful content
• (h) Misrepresent the source of any Content obtained through the Service, including by removing source attributions
• (i) Use the Service to develop a competing product or service

We reserve the right to investigate suspected violations and to suspend or terminate Accounts found in breach of this Section 6.

7. Intellectual Property

7.1 Our IP

The Service, including all software, AI models, audio outputs, written summaries, design, branding, trademarks, and other materials provided by us, is owned by Tholendal Advisors Ltd or our licensors and is protected by intellectual property and other applicable laws. Nothing in these Terms transfers any ownership of our intellectual property to you.

7.2 Limited Licence to You

Subject to your compliance with these Terms and payment of applicable fees, we grant you a non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Service for your internal professional purposes during the term of your Account.

7.3 Third-Party Content

The Service includes information sourced from third-party publishers, regulators, and other public sources. We do not claim ownership of third-party source content. Source attributions are provided where reasonably possible. Your use of third-party content accessed via the Service may be subject to additional terms imposed by the original publishers.

7.4 Feedback

If you provide us with feedback, suggestions, or ideas regarding the Service, you grant us a perpetual, irrevocable, royalty-free licence to use that feedback to improve the Service without obligation to you.

8. Data and Privacy

Your use of the Service is subject to our Privacy Policy, which describes how we collect, use, and protect your personal data in compliance with the General Data Protection Regulation (GDPR) and Irish data protection law.

By using the Service, you acknowledge and consent to the collection, use, and processing of information as described in our Privacy Policy.

9. Service Availability and Modifications

9.1 Availability

We aim to provide reliable access to the Service but do not guarantee uninterrupted availability. The Service is provided on an “as available” basis. We may suspend the Service for scheduled maintenance, urgent fixes, or other operational reasons, and we will use reasonable efforts to provide advance notice of planned downtime where practicable.

9.2 Modifications

We may modify, add, or remove features of the Service at any time. We will use reasonable efforts to notify you of material changes that adversely affect your use of the Service. Continued use of the Service after such changes constitutes acceptance.

10. Disclaimers

The Service is provided “as is” and “as available” without warranties of any kind, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy, to the fullest extent permitted by applicable law.

Without limiting the foregoing, we do not warrant that:

• (a) The Service will meet your specific requirements
• (b) The Service will be uninterrupted, timely, secure, or error-free
• (c) Content provided through the Service is accurate, complete, current, or reliable
• (d) Defects in the Service will be corrected

You acknowledge that AI-generated content may contain inaccuracies, omissions, or errors. You are solely responsible for independently verifying any Content before relying on it for any business, financial, regulatory, or investment decision.

11. Limitation of Liability

To the maximum extent permitted by applicable law, in no event will we be liable for:

• (a) Any indirect, incidental, consequential, special, exemplary, or punitive damages
• (b) Loss of profits, revenue, business opportunities, anticipated savings, or goodwill
• (c) Loss or corruption of data
• (d) Damages arising from your reliance on Content for any business, financial, regulatory, or investment decision

Our total aggregate liability arising out of or relating to these Terms or the Service, whether in contract, tort (including negligence), statute, or otherwise, shall not exceed the greater of:

• (i) The total fees actually paid by you to us in the 12 months immediately preceding the event giving rise to the liability, or
• (ii) €100

Nothing in these Terms limits liability for: (a) death or personal injury caused by negligence, (b) fraud or fraudulent misrepresentation, (c) any other liability that cannot be limited or excluded under applicable law.

12. Indemnification

You agree to indemnify, defend, and hold harmless Tholendal Advisors Ltd, its directors, officers, employees, contractors, and agents from any third-party claims, damages, losses, liabilities, costs, or expenses (including reasonable legal fees) arising from:

• (a) Your breach of these Terms
• (b) Your violation of any law or third-party right
• (c) Your misuse of the Service or Content

13. Termination

13.1 Termination by You

You may terminate your Account at any time by cancelling your Subscription through the Stripe Customer Portal and ceasing use of the Service.

13.2 Termination by Us

We may suspend or terminate your Account immediately, with or without notice, if:

• You materially breach these Terms
• You engage in fraud, abuse, or unlawful activity
• Your payment fails and is not remedied within a reasonable period
• Required by applicable law or by a binding order of a court or regulator

13.3 Effect of Termination

On termination, your right to access the Service ends. Sections that by their nature should survive termination — including but not limited to Sections 5 (Refunds), 7 (Intellectual Property), 10 (Disclaimers), 11 (Limitation of Liability), 12 (Indemnification), and 15 (Governing Law) — will survive.

14. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by email or through the Service at least 30 days before the changes take effect. Your continued use of the Service after changes take effect constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must cancel your Subscription and stop using the Service before the changes take effect.

15. Governing Law and Disputes

15.1 These Terms are governed by and construed in accordance with the laws of the Republic of Ireland, without regard to conflict-of-laws principles.

15.2 Any dispute arising out of or in connection with these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of Ireland, except that EU consumers may bring proceedings in the courts of their country of residence as permitted by applicable EU consumer law.

15.3EU consumers may also access the European Commission’s Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr for the purpose of resolving disputes out of court.

16. General Provisions

16.1 Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and us regarding the Service and supersede any prior agreements.

16.2 Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

16.3 No Waiver

Our failure to enforce any right or provision of these Terms will not be deemed a waiver of that right or provision.

16.4 Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign or transfer these Terms freely, including in connection with a merger, acquisition, or sale of assets.

16.5 Force Majeure

Neither party shall be liable for any failure or delay in performance caused by circumstances beyond its reasonable control, including but not limited to natural disasters, acts of war or terrorism, civil unrest, internet or utility outages, third-party service provider failures, or governmental action.

16.6 Notices

Notices to you may be sent to the email address associated with your Account or posted within the Service. Notices to us must be sent to the address in Section 17.

16.7 Relationship of the Parties

These Terms do not create any agency, partnership, joint venture, or employment relationship between you and us.

17. Contact

Tholendal Advisors Ltd, trading as Wolfox AI
Email: contact@wolfox.ai