Terms & Conditions

Introduction

Welcome to Marga AI. Marga is an artificial intelligence-powered platform for personal, spiritual, professional and business development and guidance (the "Platform"). The Platform is available through our mobile application and our web application, at [add webpage address]. The Platform was developed and is owned and operated by Marga AI Inc. (the "Company", or "we", "us", "our").

These Terms of Use (the “Terms”) form a binding agreement between you and the Company, and they govern your use of the Platform.

Please read these Terms carefully before using our Platform. By using our Platform, you indicate that you accept and agree to these Terms and to the Privacy Policy, which is an integral part of them. If you do not agree to these Terms in their entirety, you must not use the Platform.

These Terms may be amended from time to time to reflect modifications to the Platform, comply with applicable law, prevent abusive use of the Platform, or under any other circumstance we deem necessary in light of our experience in communicating with you and other users. We will post any change to these Terms on our Platform at a reasonable time in advance of the effective date of the change, and we will also make efforts to proactively notify you of the changes. Your continued use of the Platform after the effective date of the amended Terms constitutes your consent to the amended Terms.

Contact us

If you have any questions, comments or concerns regarding these Terms or the Platform, please contact us by email at info@mrga.ai.

Our address is [complete address].

If you are an individual residing in the United States, by agreeing to these Terms you also agree to the use of email (“Electronic Record”) to send you legally required notices. You may withdraw your consent to use an Electronic Record by notifying us at info@mrga.ai and indicating your withdrawal of consent, your full name and postal address. To access and retain a copy of this disclosure or the Electronic Record in which we send you any legal required notices, you will need (i) a computer with a web browser and Internet access and (ii) either a printer or storage space on such device. To request a paper copy of this disclosure or the Electronic Record in which we send you any legal required notices, contact us at info@mrga.ai and indicate your request, your full name and postal address. We will charge you the cost of first-class mail-international, for each paper copy you request. To update the contact details we use to contact you electronically, contact us at info@mrga.ai and indicate your full name, your old email address and new email address.

About the Platform

The Platform offers one-on-one mentorship with the world’s most celebrated masters of development — anytime and anywhere. Users can engage in conversation with AI-based replicas of mentors, who will guide them through curated master journeys and structured daily practices. The platform is suitable for a wide variety of journeys: career, finance, fitness, health, relationship, spirituality, education, parenting, intimacy and more.

Please note that all messages provided through the Platform are automatically generated by an Artificial Intelligence (AI) tool and not provided by humans. While the AI tool is designed to simulate the philosophy, teachings, approach and mentorship style of the mentor, the conversations you have on the Platform do not constitute direct communications with the mentor. As a result, the AI tool may not always accurately reflect the mentor's precise words or responses in certain situations and cannot provide the same level of personalized insights that would result from direct interaction with the mentor.

ANY INFORMATION, GUIDANCE OR ADVICE PROVIDED THROUGH THE PLATFORM IS FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY. THE PLATFORM IS NOT, AND IS NOT INTENDED TO BE, A SUBSTITUTE FOR PROFESSIONAL PERSONAL, PSYCHOLOGICAL, MEDICAL, BUSINESS, FINANCIAL OR OTHER ADVICE, GUIDANCE OR TREATMENT. WE ENCOURAGE YOU TO SEEK THE ADVICE OF QUALIFIED PROFESSIONALS BEFORE MAKING ANY DECISIONS CONCERNING YOUR PERSONAL LIFE, CAREER, FINANCES OR HEALTH. IN CASE OF EMERGENCY, PLEASE PROMPTLY CONTACT YOUR LOCAL EMERGENCY SERVICES.

YOU ARE SOLELY RESPONSIBLE FOR EVALUATING THE ACCURACY, COMPLETENESS AND RELEVANCE OF ANY MESSAGES YOU RECEIVE THROUGH THE PLATFORM. YOUR USE OF, AND RELIANCE UPON, THE PLATFORM AND THE MESSAGES PROVIDED TO YOU THROUGH IT IS SOLELY AT YOUR OWN RISK. YOU ASSUME FULL RESPONSIBILITY FOR ANY LOSS OR DAMAGE ARISING FROM OR IN RELATION TO YOUR USE OF THE PLATFORM.

Use of the Platform

Subject to these Terms, we grant you a worldwide, limited, non-exclusive, non-transferable, non-sublicensable, revocable license to use the Platform solely for your personal use.

User account. Use of the Platform requires prior registration. We will explicitly indicate the fields for mandatory completion. If you do not enter the requisite data in these fields, you will not be able to register with the Platform.

When registering, you must submit only true, accurate and complete details. Bear in mind that false, incorrect or outdated information may prevent you from registering to the Platform and impair our ability to provide you with the Platform and to contact you.

Unless otherwise permitted by us, you are prohibited from selling or transferring your user account in any way to another user, entity or any third party. You are solely responsible and liable for any activity performed with or through your user account.

Restrictions. When using our Platform, you must comply with these Terms and adhere to any applicable law. You may not –

Attempt to circumvent, bypass or deactivate security or protection measures of the Platform;
Use our Platform in order to develop or create an application, website or any other product similar to, or competing with, the Platform;
Attempt to compromise information security on our Platform or in any network or server used by us, attempt to uncover information security vulnerabilities, or attempt to engage in any form of probing, scanning, crawling, robotic navigating or hacking of the Platform;
Attempt to access the Platform, download any information or use any information on our Platform, in an automated or mechanized process;
Attempt to activate or access features or capabilities that are undocumented, not ordinarily accessible or deactivated in the Platform;
Attempt to engage in reverse-engineering, disassembling or decompiling of the Platform;
Use the Platform in any manner that may give rise to a criminal offense, civil tort, infringement or violation of the rights of any third party;
Attempt to burden or interfere with the operation of the systems related to the operation of our Platform;
Attempt to integrate the Platform or any part thereof in any application, webpage, or any other way;
Use the Platform for or in connection with any action that may encourage or constitute threat, harassment or fraud.

Payment

Use of the Platform is subject to payment of subscription fees ("Fees"), in the amounts and terms relevant to your chosen subscription plan, as presented on the Platform. Payment is available through any payment method we may make available from time to time.

Renewal and cancellation of your subscription may be avaialele through the Platform, in accordance with the terms presented there.Notwithstanding anything to the contrary, if you are a resident of the EU or Israel, you may cancel your subscription within fourteen (14) days of purchasing it. If you do, we will immediately block your access to the Platform and provide you with a refund under the terms set out by applicable law.

We reserve the right to change, from time to time and in our sole discretion, the available subscription plans and the fees associated therewith. We will notify you of any such changes in advance. The change will become effective at a reasonable time thereafter, and in any case not before the end of the then-current subscription cycle. If you find such changes unacceptable, you may inform us of your intention to terminate your engagement with us as stipulated above.

Failure to settle any overdue Fees within fourteen (14) calendar days of its original due date will constitute a material breach of these Terms and, without limiting any other remedies available to us, we may, following written notice to you: (i) terminate these Terms; or (ii) suspend access to the Platform until payment is made current. Overdue fees shall bear interest at the rate of seven percent (7%) per annum.

Your payment may be subject to additional commissions that will be charged by us or by external payment processing service providers. You will bear sole liability for paying such commissions.

Intellectual property

All rights, title and interest in and to the Platform, including all content therein, and all patents, copyrights, trademarks, trade secrets and other intellectual property rights and any goodwill associated therewith, embodied therein or utilized by us in the operation of the Platform, are the exclusive property of the Company or our licensors. This includes our databases and the Platform’s design, graphics, computer code, algorithms and “look and feel” (all together: “Proprietary Content”).

Other than as expressly permitted in these Terms, you may not, either by yourself or by a third party on your behalf, copy, distribute, display or perform publicly, sublicense, decompile, disassemble, reduce to human readable form, execute publicly, make available to the public, adapt, make commercial use of, process, compile, translate, sell, lend, rent, reverse engineer, combine with other software, modify or create derivative works of, the Proprietary Content or any part thereof, in any way or by any means.

You may not use any name, mark or logo that is similar to our marks and logos. You must refrain from any action or omission that may dilute or damage our goodwill.

You may provide us with feedback and reviews, including information pertaining to bugs, errors and malfunctions of the Platform, performance of the Platform, or any enhancements, changes or additions to the Platform that you would like to suggest. When you do so, you assign all right, title and interest in and to that feedback or review to us, including the right to make commercial use thereof, for any purpose we deem appropriate, without charge. You are not entitled to receive any remuneration for our use of your feedback or review. you represent that the feedback or review are original or that you have any intellectual property rights necessary to make the submission without restriction.

Privacy

We respect your privacy. Our Privacy Policy explains our privacy practices. We encourage you to read it carefully.

Guarantee of Conformity

We are committed to providing you with the Platform in conformity with the descriptions of the Platform we provided to you, with any applicable standards, and as customary in similar industries. We also promise that the Platform will possess accessibility, quality, functionality, compatibility, interoperability, and other features, as required by our engagement.

We will keep you informed of and supplied with updates, including security updates, that are necessary to keep the Platform in conformity.

If you find any lack of conformity within the Platform, please contact us via email at info@mrga.ai, and we will make efforts to cure such lack of conformity within reasonable time.

Although efforts are made, if we find the lack of conformity unrepairable, considering the required resources and the nature of the Platform, you may terminate your agreement with us by deleting your account and ceasing to use the Platform.

Disclaimer of warranty

THE PLATFORM IS PROVIDED FOR USE “AS IS” AND “WITH ALL FAULTS”. WE AND OUR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, ADVISORS, CONSULTANTS, SUBCONTRACTORS AND ASSIGNEES (COLLECTIVELY, OUR “STAFF”) DISCLAIM ALL WARRANTIES AND REPRESENTATIONS, EITHER EXPRESS OR IMPLIED, WITH RESPECT TO THE PLATFORM, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUALITY, CORRECTNESS, LEGAL COMPLIANCE, NON-INFRINGEMENT, TITLE, COMPATIBILITY, PERFORMANCE, AVAILABILITY, SAFETY, SECURITY OR ACCURACY. YOU ACKNOWLEDGE AND AGREE THAT THE USE OF THE PLATFORM IS ENTIRLY, OR TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AT YOUR OWN RISK.

THE MESSAGES YOU RECEIVE THROUGH THE PLATFORM ARE GENERATED BY AI. THE FIELD OF AI AND MACHINE LEARNING IS CONSTANTLY EVOLVING, CHANGING AND IMPROVING. ALTHOUGH WE MAKE CONSTANT EFFORTS TO IMPROVE THE QUALITY AND ACCURACY OF OUR PLATFORM, DUE TO THE NATURE OF SUCH TECHNOLOGY, WE CANNOT GUARANTEE THAT THE CONTENT OF THE PLATFORM WILL ALWAYS BE ACCURATE, COMPLETE OR CORRECT. WE DISCLAIM ANY WARRANTY IN RELATION TO OR LIABILITY FOR ERRORS OR OMISSIONS IN THE MESSAGES PROVIDED TO YOU BY THE PLATFORM.

Limitation of liability

OTHER THAT ANY DETRIMENT CAUSED BY A LACK OF CONFORMITY OR A FAILURE TO SUPPLY AS EXPLAINED ABOVE, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE AND OUR STAFF SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, EXEMPLARY, STATUTORY, INCIDENTAL OR CONSEQUENTIAL DAMAGE, OR ANY SIMILAR DAMAGE OR LOSS (INCLUDING LOSS OF PROFIT AND LOSS OF DATA), COSTS, EXPENSES AND PAYMENTS, EITHER IN TORT (INCLUDING NEGLIGENCE), CONTRACT, OR IN ANY OTHER FORM OR THEORY OF LIABILITY, ARISING FROM, OR IN CONNECTION WITH THE USE OF, OR THE INABILITY TO USE THE PLATFORM, OR FROM ANY FAILURE, ERROR, OR BREAKDOWN IN THE FUNCTION OF THE PLATFORM.

Application marketplace

Your use of the Platform through the Marga AI mobile application (“App”) is subject to additional third-party terms and conditions that govern the application marketplace from which you downloaded the App, such as Google Play Store or App Store (“Stores”). Apple and Google (“Stores Operators”) are not responsible for providing maintenance and support services with respect to the App.

You and the Company agree and acknowledge as follows:

These Terms are concluded between yourself and us, and not the Stores Operators. The Stores Operators are not responsible for the App. In the event of a conflict between these Terms and the Stores’ terms of service, the Stores’ terms of service shall prevail solely with respect to the conflicting provisions.
The license granted to you in the App is a limited, non-transferable license to use the App on any Stores Operators' branded products that you own or control, as permitted by the Store Operators’ terms of service.
You acknowledge that the Stores Operators have no obligation to furnish any maintenance and support services with respect to the App.
To the maximum extent permitted by applicable law, the Stores Operators will have no warranty obligation whatsoever with respect to the App, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty, will not be at the Stores Operators’ responsibility.
The Stores Operators are not responsible for addressing any claims by you or any third party relating to the App or your possession and/or use of the App, including (i) product liability claims, (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement, and (iii) claims arising from consumer protection or similar legislation.
In the event of any third-party claims that the App or your possession and use of the App infringes that third party’s IP Rights, the Stores Operators will not be responsible for the investigation, defense, settlement and discharge of any such infringement claim.
You must comply with applicable third-party terms of agreement when using the App (e.g., you must not be in violation of your wireless data services agreement when you use the App).
The Stores Operators and their subsidiaries are third party beneficiaries of these Terms. Upon Your acceptance of these Terms, the Stores Operators will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary thereof. You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and (ii) You are not listed on any U.S. Government list of prohibited or restricted parties.

Availability, changes to the Platform and discontinuation

Availability. We will make efforts to have the Platform available and operate without errors, on a 24/7 basis. However, the availability, quality and functionality of the Platform depends on various factors, including software, hardware, and communication networks, which are provided by third parties, at their responsibility. These factors are not fault-free. We do not warrant that the platform will operate without disruption, errors or interruptions, or that it will be accessible or available at all times, or immune to errors, glitches or unauthorized access.

Changes to the Platform. We may change, improve and adopt new features to our Platform, such as by modifying the structure, layout, design or display, as well as the scope and availability of the Platform and the content therein, for the following purposes:

To improve our services;
To adapt to new technologies;
To reflect changes in our agreements with others;
To comply with legal or other requirements; and
To prevent misuse of our Platform and to enforce these Terms.

Changes to the Platform may result in glitches or cause inconvenience of some kind. Please note that if we make changes that block or disrupt your ability to access or use the Platform, or if we materially change the way in which we offer services through the Platform, we will first provide you with a reasonable prior notice detailing these changes, the effective date of the changes, and your right to withdraw and terminate your relation with us.

Discontinuation. We may, in our sole discretion, permanently or temporarily discontinue the Platform for any reason and at any time, subject to reasonable prior notice to you.

Termination of these Terms

We may block your access to, and terminate these Terms and your use of the Platform, effective immediately upon sending a notice, if:

You materially or repeatedly breach these Terms;
We reasonably believe that your use of the Platform causes substantial harm or liability to us or to third partie;
We’re required to do so under applicable law or a judicial order.

In other cases, we will terminate these Terms only upon reasonable prior notice to you.

Provisions in these Terms that by their nature should survive termination or expiration of these Terms, will so survive and remain in full force and effect following such termination or expiration.

General

Governing law and dispute resolution. These Terms shall be governed by the laws of the State of Delaware, without reference to its conflict of laws rules. Any and all disputes, claims or controversies between you and the Company regarding these Terms or the use of the Platform, which are not amicably resolved, shall be settled through binding arbitration (rather than in court) by telephone, online or based solely upon written submissions without in-person appearance, administered by the American Arbitration Association (AAA), under its Commercial Arbitration Rules (which are available at http://www.adr.org). The substantive laws of arbitration shall be the laws of the State of Delaware.

Judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The Federal Arbitration Act and Federal Arbitration Law apply to this Agreement. Payment of filing, administration and arbitrator fees will be governed by the AAA's Commercial Arbitration Rules. These fees will be shared equally, unless the arbitrator: (i) determines that the claims are frivolous, in which case the claimant shall bear all such fees arising from the frivolous claim; or (ii) determines that the fees should be allocated differently.

You and the Company hereby acknowledge, agree and covenant that any disputes shall only be adjudicated in arbitration on an individual basis, and not in class, collective, consolidated or representative proceedings. Notwithstanding the foregoing, a party may assert an impleader claim against the other party pursuant to the indemnity clause, in any court adjudicating a third-party claim against the other party.

Notwithstanding the foregoing, if you are a resident of the EU:

If your national laws in your place of residence provide you with more advantageous rules, such rules shall always prevail, and you can rely on them.
The above arbitration mechanism shall not apply.
The courts of Delware shall have the sole and exclusive jurisdiction over any claim in connection with the Platform or in respect of any matter relating to these Terms. However, if your national law provides that you may always choose to initiate legal proceedings in your country of residence, then that rule

Relationship. These Terms do not create any agency, partnership, employment, trustee, or other type of legal relationship between you and the Company, other than that of two independent contractual parties.

Completeness. These Terms constitute the entire agreement between you and us concerning the subject matter herein and supersede all prior and contemporaneous negotiations and oral representations, agreements and statements regarding the Platform.

Assignment. You may not assign or delegate these Terms or any of your rights, performances, duties or obligations hereunder. Any purported assignment or delegation, in contravention of the above, will be null and void. In the event of a merger, acquisition, change of control or the sale of all or substantially all of our equity or assets of the Company, we may, upon notice to you and without obtaining your consent, assign and delegate these Terms, in their entirety, including all of our rights, performances, duties, liabilities and obligations contained herein, to a third party. With such assignment, transfer and delegation, we are irrevocably and fully released from all rights, performance, duties, liabilities and obligations under these Terms.