服务条款模板

[LEGAL NAME]
Terms of Service — AI-Powered Services

1. Introduction & Acceptance of Terms

Welcome to [Legal Name] ("[Legal Name]" / "we" / "us" / "our"). [Pick the line that fits you and delete the other:]
[If a company:] a company incorporated under the laws of [Country/Region] with its registered address at [Legal Registered Address].
[If an individual / sole trader:] an individual / sole trader operating under the laws of [Country/Region] with a business address at [Business Address].
These Terms of Service ("Terms") govern your access to and use of our AI-powered services, including [Brief service description], available at [Website URL] (the "Service").

By creating an account, subscribing to any plan, purchasing credits, or otherwise using the Service, you confirm that you: (a) are at least 18 years of age; (b) have read, understood, and agree to be bound by these Terms; (c) agree to our Privacy Policy; and (d) are authorized to enter into this agreement on behalf of yourself or any organization you represent.

⚠️ Important: If you do not agree to these Terms, you may not use the Service.

2. Service Description

2.1 What We Provide
[Legal Name] provides an AI-powered platform that enables users to [describe core functionality]. The Service is a digital software-as-a-service (SaaS) product delivered via the internet.

2.2 Nature of the Service
The Service is a digital, intangible product. Upon confirmed payment, access is granted immediately. Due to the immediate digital delivery, specific limitations apply to refunds as described in Section 7.

2.3 AI Model Dependency (optional)
[Optional: Our Service utilizes third-party AI model providers including [e.g., OpenAI, Anthropic, Google]. Service performance and availability may be affected by the operational status of these providers.]

3. Account Registration & Eligibility

3.1 Account Creation
To use the Service, you must create an account with accurate and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account.

3.2 Account Security
- Notify us immediately of any unauthorized use at [security@company.com].
- Do not share your credentials with any third party.
- Keep your billing email address up to date.

[INSERT SECTIONS 4–7 FROM THE V1 / V2 / V3 BLOCK MATCHING YOUR BILLING MODEL]

8. Billing Disputes
If you believe there is an error in a charge, please contact us at [billing@company.com] before disputing with your bank. We commit to responding within 2 business days and resolving confirmed billing errors within 5 business days.

9. AI Output & Intellectual Property

9.1 Ownership of Outputs
Subject to these Terms, AI-generated content produced in response to your inputs ("Outputs") is owned by you.

9.2 Input License
By submitting content to the Service ("Inputs"), you grant [Legal Name] a limited, non-exclusive license to process your Inputs solely to deliver the Service. We do not use your Inputs to train AI models without your explicit consent.

9.3 Third-party AI Model Dependency (if applicable)
[Include if applicable] Our Service uses third-party AI model providers including [e.g., OpenAI, Anthropic, Google]. We do not guarantee specific output quality and accept no liability for outputs generated by third-party models.

9.4 Accuracy of AI Outputs
AI-generated content may contain errors or inaccuracies. You are solely responsible for reviewing and verifying Outputs before relying on them.

10. Acceptable Use Policy

10.2 Prohibited Uses
You agree NOT to use the Service to:
- Generate content that is illegal, defamatory, harassing, or fraudulent.
- Generate, distribute, or facilitate deepfake content — including AI-synthesized audio, video, or images — that impersonates real individuals.
- Generate content that sexualizes minors or violates child protection laws.
- Produce malware, phishing content, or cyberattack tools.
- Infringe the intellectual property or privacy rights of any third party.
- Resell or sub-license access to the Service without prior written approval.
- Violate any applicable law, regulation, or card network rule.

10.3 AI-Specific Prohibitions
- Use Service inputs, outputs, or any derivative thereof to train, fine-tune, benchmark, distil, or otherwise develop any AI / ML model that competes with the Service.
- Systematically scrape, extract, or harvest model outputs at scale.
- Represent AI-generated outputs as the work of a human professional.

11. Data, Privacy & Security
Your use of the Service is governed by our Privacy Policy at [privacy policy URL]. Payment card data is processed exclusively by our PCI-DSS certified payment processor (Waffo Pancake). Account data is retained for [90] days following cancellation, then deleted.

12. Disclaimers & Limitation of Liability

12.1 Disclaimer of Warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR ACCURACY OF AI OUTPUTS.

12.2 AI-Generated Content Disclaimer
⚠️ Outputs may be inaccurate, incomplete, or outdated. Do not rely on them for legal, medical, financial, or other professional advice. Always verify AI-generated content with a qualified professional before acting on it.

12.3 Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, [LEGAL NAME] SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID IN THE [12] MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

13. Term & Termination
We may suspend or terminate your account if you materially breach these Terms, we suspect fraudulent activity, or as required by law. If we terminate for reasons other than your breach, we will provide a pro-rated refund for any unused prepaid period. You may delete your account at any time by contacting [support@company.com].

14. Governing Law
These Terms are governed by the laws of [Country / State / Region]. Before initiating any formal proceedings, please contact us at [legal@company.com] to attempt informal resolution.

15. General Provisions
We may update these Terms at any time. Material changes will be notified by email at least [14] days before the effective date. Continued use constitutes acceptance.

16. Contact Information
- General Support: [support@company.com]
- Billing: [billing@company.com]
- Refunds: [refunds@company.com]
- Cancel Subscription: [cancel@company.com] or Account Settings
- Legal & Privacy: [legal@company.com]
- Security: [security@company.com]
- Phone: [+X-XXX-XXX-XXXX]
- Mailing Address: [Legal Name], [Street Address], [City, Country]

By using the Service or checking "I agree" at checkout, you acknowledge and agree to these Terms.

Last Updated: [DATE] · [Legal Name] · [Website URL]

4. Subscription Plans (V1)

We offer subscription plans for access to the Service. [Describe subscription plans briefly, e.g.: We offer monthly and annual subscription plans.] For current plan details and pricing, please visit [pricing URL].

5. Billing & Payment (V1)

5.1 Recurring Billing Authorization
By providing your payment method and subscribing to a paid plan, you expressly authorize [Legal Name] to charge your payment method on a recurring basis for the applicable subscription fee. This recurring authorization remains in effect until you cancel in accordance with Section 6.

5.2 Taxes
Prices are exclusive of applicable taxes (including VAT, GST, sales tax) unless otherwise stated.

6. Cancellation Policy (V1)
You may cancel your subscription at any time through:
- Online (recommended): Account Settings → Subscription → Cancel Subscription
- Email: [cancel@company.com]

Cancellation takes effect immediately. A confirmation email will be sent within [10] minutes. Your subscription remains active until the end of the current billing period. Account data is retained for [90] days after cancellation, then deleted.

7. Refund Policy (V1)

7.1 General Policy
Due to the immediate and intangible nature of our digital services, subscription fees are generally non-refundable, except as expressly stated below.

7.2 Eligible Refunds
- New subscriber 7-day guarantee: Full refund within 7 days of the initial charge, provided usage has not exceeded [X]% of the plan quota.
- Duplicate charge: Full refund.
- Verified service outage (≥72 hrs): Pro-rated credit or refund.
- Statutory rights (e.g., 14-day withdrawal right in EU/UK) are preserved.

7.3 How to Request a Refund
Contact us at [refunds@company.com] with your account email, transaction ID, and reason. Acknowledged within 2 business days; eligible refunds processed within 5–10 business days.

7.4 Non-Refundable Items
- Fees for subscription periods already used (except as noted in 7.2).
- Annual subscription fees requested after [30] days from initial purchase.
- Accounts terminated for violation of these Terms or the Acceptable Use Policy.

4. Credits & Top-up Plans (V2)
The Service operates on a credit-based system. [Describe credit plans briefly.] Credits are used to access Service features. For available credit packages and current pricing, please visit [pricing URL].

5. Billing & Payment (V2)

5.1 Single Purchase Authorization
Each credit purchase is a one-time transaction. By completing a purchase, you authorize [Legal Name] to charge your payment method for the amount displayed at checkout.

5.2 Auto Top-up Authorization (if enabled)
[Optional — include ONLY if your product offers automatic top-up]
If you choose to enable Auto Top-up, you authorize [Legal Name] to automatically charge your saved payment method when your credit balance falls below the threshold you have set. You may disable Auto Top-up at any time.

5.3 Taxes
Prices are exclusive of applicable taxes unless otherwise stated.

6. Credits Validity & Account Termination (V2)

6.1 Credits Validity
Purchased credits are valid for [X] months/years from the date of purchase. We will send a reminder before expiry.

6.2 Termination of Account
If your account is terminated, unused credits will be retained for [X] days following termination. After this period, unused credits expire without refund unless required by applicable law.

7. Refund Policy (V2)

All credit purchases are generally non-refundable after credits have been consumed. Exceptions:
- Unused credits within 7 days of purchase: Full refund.
- Duplicate charge: Full refund.
- Statutory rights (EU/UK/AU): 14-day withdrawal right preserved for first-time purchasers, waived upon first use.

To request a refund, contact [refunds@company.com] with your account email and transaction ID.

4. Plans & Credits (V3)
We offer both subscription plans and credit packages. [Describe subscription plans briefly.] [Describe credit packages briefly.] For current plan details and pricing, please visit [pricing URL].

5. Billing & Payment (V3)

5.1 Subscription Recurring Billing Authorization
By subscribing to a paid plan, you expressly authorize [Legal Name] to charge your payment method on a recurring basis for the applicable subscription fee until you cancel per Section 6.

5.2 Credit Purchase Authorization
Each credit purchase is a one-time transaction authorized at checkout.

5.3 Auto Top-up Authorization (if enabled)
[Optional]
If you enable Auto Top-up, you authorize [Legal Name] to automatically charge your payment method when your credit balance falls below your configured threshold.

5.4 Taxes
Prices are exclusive of applicable taxes unless otherwise stated.

6. Cancellation Policy (V3)
You may cancel your subscription at any time via Account Settings → Subscription → Cancel, or by emailing [cancel@company.com]. Cancellation takes effect at the end of the current billing period. Credits purchased separately are not cancelled and remain subject to their validity period.

7. Refund Policy (V3)

7.1 Subscription Refunds
- 7-day guarantee for first-time subscribers: Full refund if usage has not exceeded [X]% of plan quota.
- Duplicate charge or service failure (≥72 hrs): Eligible for refund or credit.

7.2 Credits Refunds
- Unused credits within 7 days of purchase: Eligible for full refund.
- Used credits are non-refundable.

7.3 Subscription Plan Credits — Rollover Policy (Select one, delete the other)
[Option A1 — No rollover] Credits included in a subscription plan expire at the end of each billing period.
[Option A2 — Rollover] Credits in a subscription plan accumulate across billing periods (subject to a maximum balance limit).

7.4 Credits After Subscription Cancellation (Select one, delete the others)
[Option B1] Separately purchased credits retain their original validity regardless of subscription status.
[Option B2] After cancellation, separately purchased credits remain usable for [X] days.
[Option B3] After cancellation, separately purchased credits become immediately unavailable; refund issued for any unused balance.

7.5 Credit Consumption Order (Select one, delete the other)
[Option C1] Subscription plan credits are consumed first, then purchased credits.
[Option C2] Purchased credits are consumed first, then subscription plan credits.