Terms of Use

1. Agreement to these terms

These Terms of Use form an agreement between you and Swish World Group Inc. and apply when you access or use GabbyAI.

Our Privacy Policy explains how personal information is handled and should be read alongside these terms.

Additional terms may apply to particular subscriptions, APIs, integrations, enterprise products or promotional features. Where additional terms apply, they will govern the relevant feature to the extent of any conflict with these terms.

2. Who provides GabbyAI

GabbyAI is operated by:

3. Eligibility

You must be at least 13 years old to use GabbyAI.

If you are below the age at which you can legally enter into these terms where you live, you may use GabbyAI only with the permission and supervision of a parent or legal guardian.

You may not use GabbyAI if:

• You are legally prohibited from receiving the service.
• Your access has previously been permanently terminated for a serious violation.
• You are acting for an organisation without authority to bind that organisation.

If you use GabbyAI on behalf of a business or other organisation, you represent that you have authority to accept these terms on its behalf.

4. Accounts and account security

Some GabbyAI features require an account. You agree to provide accurate and current registration information.

You are responsible for:

• Keeping your password confidential.
• Securing the devices used to access your account.
• Activity carried out through your account where you authorised that activity or failed to take reasonable steps to secure the account.
• Promptly notifying us if you suspect unauthorised access.

You must not sell or transfer your account to another person without our permission.

We may require email verification, additional authentication or reasonable identity checks where necessary to protect your account, prevent fraud or comply with law.

5. The GabbyAI service

GabbyAI allows users to submit prompts and receive responses generated by artificial intelligence systems.

Features may include:

• AI-generated conversational responses.
• Conversation creation and history.
• Account and session management.
• Writing, planning, coding and research assistance.
• Additional tools and integrations introduced over time.

GabbyAI is an evolving service. We may improve, replace, limit or discontinue features as the product develops.

Where a material change affects a paid feature, we will provide notice where reasonably practical and legally required.

6. AI-generated output

You acknowledge that:

• Responses are generated automatically and do not necessarily reflect the views of Swish World Group Inc.
• Similar or identical output may be generated for other users.
• Output can contain factual, logical, coding or attribution errors.
• Output may not be original, unique or eligible for intellectual-property protection.
• You are responsible for deciding whether output is suitable for your intended purpose.

6.1 Professional and regulated decisions

GabbyAI is not a substitute for qualified professional advice in fields such as medicine, law, finance, tax, accounting, engineering or safety.

You should obtain appropriate professional advice before making decisions that could materially affect health, safety, liberty, legal rights, finances or other significant interests.

6.2 Emergencies

GabbyAI is not an emergency service. Do not use it as your only source of assistance during an emergency.

6.3 High-impact decisions about other people

You must not rely solely on GabbyAI output to make high-impact decisions about another person, including decisions involving employment, housing, education, insurance, credit, healthcare or access to essential services.

7. Acceptable use

You must use GabbyAI lawfully and responsibly.

You must not use GabbyAI to:

• Commit, facilitate or encourage unlawful conduct.
• Exploit, abuse or endanger children.
• Create, request, possess or distribute child sexual abuse material or sexual content involving minors.
• Threaten, harass, stalk, intimidate or unlawfully discriminate against another person.
• Create or distribute non-consensual intimate imagery.
• Facilitate human trafficking, exploitation or serious physical harm.
• Develop or deploy malware, ransomware, credential-theft tools or destructive software.
• Gain unauthorised access to an account, system, device or network.
• Conduct fraud, phishing, impersonation or identity theft.
• Unlawfully infringe intellectual property, privacy, confidentiality or other legal rights.
• Publish personal information without authority or another lawful basis.
• Materially misrepresent AI-generated content as human-created where doing so would be deceptive or unlawful.
• Interfere with GabbyAI, deliberately overload our systems or evade reasonable rate limits.
• Reverse engineer or systematically extract data from GabbyAI except where permitted by law or written agreement.
• Resell GabbyAI as your own service without written permission.

Where we reasonably suspect misuse, we may investigate and take proportionate action. This can include restricting particular functionality, temporarily suspending access or terminating an account in serious cases.

8. Your content

8.1 You keep your rights

Subject to applicable law and third-party rights, we assign to you any rights we may have in output generated specifically in response to your prompt.

This does not guarantee that output is original, unique, non-infringing or legally protectable.

8.2 Limited licence needed to provide the service

You give Swish World Group Inc. a non-exclusive, worldwide and royalty-free licence to process your content only as reasonably necessary to:

• Provide GabbyAI.
• Generate and return responses.
• Maintain conversation history.
• Operate account features you request.
• Protect GabbyAI against fraud, abuse and security threats.
• Diagnose technical problems.
• Comply with applicable law.

This licence does not give us ownership of your content.

The licence ends when the content is deleted from our active systems, except to the extent copies remain temporarily in backups or must be retained for legal, security or dispute-resolution purposes.

8.3 Your responsibilities

You are responsible for ensuring that:

• You have the right to submit your content.
• Your content does not unlawfully infringe another person's rights.
• Your content and intended use comply with applicable law.
• You do not submit confidential information unless you are authorised to do so.

9. Our intellectual property

GabbyAI, SwishAI, associated software, interfaces, branding, documentation, databases and other service materials are owned by Swish World Group Inc. or its licensors.

Subject to these terms, we grant you a limited, non-exclusive, non-transferable and revocable right to access and use GabbyAI for lawful purposes.

These terms do not transfer ownership of GabbyAI, SwishAI, source code, models, infrastructure, branding or other proprietary materials.

Feedback you voluntarily provide may be used to improve GabbyAI. We will not publicly identify you as the source of feedback without permission.

10. Third-party services and content

GabbyAI may link to or interact with third-party websites, services, data or content.

Those services are controlled by their respective providers and may be subject to separate terms and privacy policies.

We are not responsible for unrelated third-party services that we do not operate or control.

11. Availability and changes

We aim to provide a reliable service, but GabbyAI may occasionally be interrupted, delayed or unavailable.

Causes can include:

• Maintenance or upgrades.
• Infrastructure or network failures.
• Cybersecurity incidents.
• Capacity restrictions.
• Third-party outages.
• Legal or regulatory requirements.
• Events outside our reasonable control.

We may use reasonable usage limits, queues, model changes or rate limits where necessary to maintain performance, fairness and service stability.

12. Paid services and subscriptions

GabbyAI may offer paid subscriptions or other paid services.

Before you purchase a paid service, we will display the applicable price, billing frequency and material subscription terms.

12.1 Recurring subscriptions

Where a subscription renews automatically, it will continue for successive billing periods until cancelled, unless otherwise stated at purchase.

You can cancel an eligible subscription through the account or billing controls made available to you. Cancellation prevents future renewals but does not normally reverse charges already incurred.

12.2 Failed payments

If a recurring payment fails, we may retry the payment and notify you that payment is overdue.

Access to paid features may be restricted or the subscription may be cancelled where payment remains outstanding.

12.3 Refunds

Refund rights depend on applicable law and the terms shown at purchase. Nothing in these terms limits a mandatory statutory refund or cancellation right.

12.4 Taxes

Prices may include or exclude applicable taxes depending on the jurisdiction and checkout information presented to you.

13. Suspension and termination

13.1 Ending your use

You may stop using GabbyAI at any time.

Where account-deletion controls are available, you may use them to request closure of your account.

13.2 Action by us

We may restrict, suspend or terminate access where reasonably necessary because:

• You materially or repeatedly violate these terms.
• Your use creates a significant security, legal or safety risk.
• We reasonably suspect fraud, abuse or unauthorised account access.
• We are required to act by law.
• Payment for a paid service remains overdue.
• A service or feature is permanently discontinued.

Where reasonably practical and legally permitted, we will use proportionate measures and may provide notice before permanent termination.

Serious security, safety, fraud or legal risks may require immediate action.

13.3 Effect of termination

When your access ends, your right to use GabbyAI ends. Provisions that are intended to survive termination, including those relating to intellectual property, liability and disputes, continue where applicable.

14. Disclaimers

To the maximum extent permitted by law, GabbyAI is provided on an “as is” and “as available” basis.

We do not guarantee that:

• GabbyAI will always be available or uninterrupted.
• AI-generated output will always be accurate, complete or current.
• Every technical defect or security risk can be prevented.
• Output will be unique or legally protectable.
• Every possible use of generated output will be lawful or non-infringing.

Nothing in these terms excludes warranties, consumer rights or other protections that cannot lawfully be excluded.

15. Limitation of liability

Nothing in these terms excludes or limits liability where doing so would be unlawful.

To the maximum extent permitted by law, Swish World Group Inc. will not be liable for indirect, incidental, special or consequential loss arising from use of GabbyAI.

This can include:

• Loss of profit, revenue or anticipated savings.
• Loss of business opportunity.
• Loss resulting from reliance on inaccurate AI-generated output.
• Loss resulting from unrelated third-party services.
• Loss caused by events outside our reasonable control.

Where permitted by law, our total aggregate liability arising from or relating to GabbyAI will not exceed the greater of:

• The amount you paid for GabbyAI during the previous 12 months.
• One hundred United States dollars.

Some jurisdictions do not allow certain liability limitations. Where that is the case, these provisions apply only to the maximum extent permitted by law.

16. Governing law and disputes

These terms are governed by the laws of the Commonwealth of Kentucky, United States, without regard to conflict-of-law principles.

Subject to mandatory consumer protections and any court that has jurisdiction under applicable law, disputes relating to these terms or GabbyAI may be brought before the state or federal courts with jurisdiction over Lexington, Kentucky.

If you are a consumer, this section does not remove mandatory rights you may have under the law of your country or region of residence.

Before starting formal proceedings, both sides are encouraged to make a reasonable attempt to resolve the matter informally where appropriate.

17. General provisions

17.1 Entire agreement

These terms, the Privacy Policy and any applicable additional terms form the agreement concerning your use of GabbyAI.

17.2 Severability

If a provision is found invalid or unenforceable, the remaining provisions continue in effect.

17.3 No waiver

A delay or failure to enforce a provision does not waive the right to enforce it later.

17.4 Assignment

You may not assign your rights or obligations under these terms without our written permission.

We may assign these terms as part of a merger, restructuring, financing, sale or transfer of GabbyAI or the relevant business.

17.5 No partnership

These terms do not create an employment, agency, partnership, joint venture or fiduciary relationship.

17.6 Electronic communications

Notices and agreements may be provided electronically, including through GabbyAI, by email or through our website where legally permitted.

18. Changes to these terms

We may update these terms to reflect changes to GabbyAI, legal requirements, security needs or business practices.

Updated terms will be published on this page with a revised effective date.

Where a change is material, we may provide additional notice before it takes effect.

Where applicable law requires your consent to a change, we will obtain that consent before the relevant change applies to you.

19. Contact us

Questions about these Terms of Use may be sent to: