1. Eligibility

• You must be at least 13 years old to use the Service.
• If you are under 18, you may only use the Service with the consent of a parent or guardian.

2. Accounts

• You may need an account to use certain features.
• You agree to provide accurate, complete information when creating an account.
• You are responsible for maintaining the confidentiality of your login details and for all activities under your account.

3. Acceptable use

You agree not to:

• Use the Service for unlawful, harmful, or abusive purposes.
• Attempt to access or disrupt the Service in unauthorized ways.
• Upload, share, or transmit content that infringes intellectual property rights, violates law, or is otherwise objectionable.

4. Subscriptions and payments

• If the Service offers paid features, fees and billing terms will be described at the point of purchase.
• By subscribing, you authorize us (or our payment provider) to charge you in accordance with your chosen plan.
• All payments are non-refundable except as required by law.

5. Intellectual property

• The Service, including software, text, graphics, and design, is owned by Lone Horse Limited Co and protected by copyright, trademark, and other laws.
• You retain ownership of any content you create or upload but grant us a limited license to use it for operating and improving the Service.

6. AI-Generated Content

Mahogany Chat may provide content generated by artificial intelligence. You understand and agree that:

• AI-generated content may be inaccurate, incomplete, offensive, or otherwise unsuitable.
• The Service provides AI-generated content "as is" without warranties of any kind, and we are not liable for reliance on such content.
• You are responsible for how you use AI-generated content, including ensuring it complies with applicable laws and regulations.
• Unless otherwise stated, you own the rights to AI-generated content you create through the Service, subject to these Terms and any restrictions imposed by applicable law.

7. Privacy

Your use of the Service is also governed by our Privacy Policy, which explains how we handle your personal information.

8. Termination

• We may suspend or terminate your account if you violate these Terms or misuse the Service.
• You may stop using the Service at any time.
• Certain provisions (like intellectual property, limitations of liability, and dispute resolution) will survive termination.

9. Disclaimer of warranties

The Service is provided "as is" and "as available." We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of liability

To the maximum extent permitted by law, Lone Horse Limited Co will not be liable for indirect, incidental, or consequential damages, loss of profits, or data arising from your use of the Service. Our total liability will not exceed the amount you paid us in the last 12 months.

11. Indemnification

You agree to indemnify and hold harmless Lone Horse Limited Co from claims, damages, or expenses arising from your misuse of the Service or violation of these Terms.

12. Changes to the Service

We may modify, suspend, or discontinue parts of the Service at any time without liability.

13. Governing law & dispute resolution

• These Terms are governed by the laws of the United States and the state where our company is registered, without regard to conflict of law principles.
• Any disputes will be resolved in the courts of that jurisdiction, unless otherwise required by applicable law.

14. Changes to these Terms

We may update these Terms from time to time. We will notify you by updating the "Effective Date" above and, if appropriate, by providing additional notice.

15. Contact us

If you have any questions about these Terms, please contact us at hello@mahoganychat.com.