Velum AI — Terms of Service

1.1 These Terms of Service (the "Terms") form a binding agreement between you and Velum AI operator [to be configured] ("Velum AI operator [to be configured]," "Velum AI," "we," "us," or "our"), the operator of the website https://velum.ai and its related applications, portals and services (collectively, the "Service"). By creating an account, checking the acceptance box, clicking "I agree," uploading any material, or otherwise accessing or using the Service, you acknowledge that you have read and understood, and agree to be bound by, these Terms and by all policies incorporated by reference, including the Privacy Policy, the Biometric Data Policy, the Acceptable Use Policy, the 2257 Compliance Statement, the Complaints and Content-Removal Policy, and the Refund Policy.

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

1.3 These Terms take effect on «[TO BE SET: effective date]» and apply to all users worldwide, subject to the local-law provisions in Section 26. If you accept these Terms on behalf of a company, agency or other entity, you represent that you are authorized to bind that entity, and "you" refers to both you and that entity.

1.4 Certain features (for example, likeness-model training, content generation and payouts) are governed by additional order forms, plan descriptions or supplemental terms presented at the point of purchase or activation; those supplemental terms are incorporated into and form part of these Terms. In the event of a conflict, the supplemental terms control for the feature they govern.

2.1 The Service is strictly limited to adults. You must be at least eighteen (18) years old, or the age of majority in your jurisdiction if higher, to access, register for or use any part of the Service. There are no exceptions.

2.2 The Service is intended solely for verified adult content creators who wish to create, train and use an artificial-intelligence likeness model of their own person, and for their duly authorized agents and agencies. It is not directed to, and may not be used by, minors.

2.3 By using the Service you represent and warrant that: (a) you are at least 18 years old and can prove it through the verification described in Section 6; (b) every person depicted in any material you upload, and every person whose likeness is embodied in any model you train, is you and no one else, and was at least 18 years old at the time each image or video was captured; and (c) your use of the Service is lawful in your jurisdiction.

2.4 The Service contains and generates sexually explicit, adults-only material. By continuing, you affirm that you are voluntarily seeking such material, that it is lawful for you to receive it where you are located, and that you will not expose it to any minor or to any person who has not consented to view it.

2.5 We use age-assurance and identity-verification measures and may deny, suspend or terminate access to anyone we reasonably believe to be a minor or to be misrepresenting their age or identity.

3.1 "Creator" means an adult individual who registers to create, train and use an AI likeness model of their own person through the Service.

3.2 "Agency" and "Authorized User" mean, respectively, an entity and an individual whom a Creator authorizes to operate the Creator's account under Section 10.

3.3 "Likeness Model" or "Model" means the per-Creator machine-learning model (including any LoRA adapter or fine-tuned weights) trained on the Creator's own source material to reproduce that Creator's verified likeness.

3.4 "Training Material" means the photographs, videos and other source material that a Creator uploads of themselves for the purpose of training a Model.

3.5 "Generated Content" means the images, videos and other outputs produced by the Service using a Model.

3.6 "Creator Content" means, collectively, Training Material, Generated Content and other material provided by or generated for a Creator.

3.7 "Likeness" means a natural person's face, body, voice and other individually identifiable physical characteristics.

3.8 "Biometric Data" means biometric identifiers and biometric information as defined under applicable law, including facial-geometry templates and other biometric templates derived from Training Material or liveness capture.

3.9 "NCII" means non-consensual intimate imagery, including authentic and computer-generated intimate visual depictions of an identifiable person created or shared without consent.

3.10 "CSAM" means child sexual abuse material, including any real, apparent, or computer-generated sexualized depiction of a person under 18.

3.11 "2257 Records" means the records we are required to create and maintain under 18 U.S.C. §§ 2257 and 2257A and 28 C.F.R. Part 75.

3.12 "Custodian of Records" means the person and address designated in Section 13.3 to keep and make available the 2257 Records.

3.13 "Card Networks" means Visa, Mastercard and any other payment card network whose rules apply to the Service.

3.14 "Payment Processor" means CCBill, Epoch or another payment processor we designate.

4.1 To use most features you must register an account and provide accurate, current and complete information, and keep it updated. You may hold only one account unless we agree otherwise in writing.

4.2 You are responsible for safeguarding your credentials and for all activity under your account, including activity by your Authorized Users. Do not share your credentials except through the Authorized-User controls described in Section 10.

4.3 You must notify us promptly at Support contact pending configuration of any unauthorized use or suspected compromise of your account.

4.4 We may refuse to open, may reclaim, or may require changes to any username, and we may refuse registration or close accounts to comply with law, Card-Network rules or these Terms.

4.5 You are responsible for obtaining and maintaining the devices, software and connectivity needed to use the Service.

5.1 Velum AI is a software-as-a-service platform and adult-content production tool. We provide technology that trains a Creator's own AI likeness model and generates adult imagery and video of that Creator's verified likeness, at the Creator's direction, so the Creator can sell it on third-party adult platforms. We are not an employer of Creators, not a talent agency, and, except as expressly stated in Section 13, not a distributor of Generated Content to the public.

5.2 Because the Service involves adult content and card payments, we operate under the rules of the Card Networks, including the Visa Integrity Risk Program (VIRP) and Mastercard's Specialty Merchant Registration and adult-content requirements, and under the requirements of our Payment Processors. You agree that your use of the Service and all Creator Content must comply with those rules as they change from time to time.

5.3 Card-Network rules require, among other things, documented age and identity verification of every person depicted, documented consent to the creation and distribution of each piece of adult content, pre-publication content review, a functioning complaint and takedown process, and periodic reporting to acquirers. These Terms implement those requirements, and we may impose additional controls at any time to remain compliant.

5.4 We may modify, condition or discontinue any feature to comply with law, Card-Network rules or Payment-Processor requirements, including by removing or refusing any content or payment method.

6.1 Before we train any Model, generate any content, or process any payout for you, you must complete identity and age verification. At a minimum this requires a valid government-issued photographic identification document and a live "liveness" capture (a real-time selfie or short video) used to confirm that you are the person shown on that document and that you match the Training Material.

6.2 Verification may be performed by us and/or by a third-party identity-verification vendor. You consent to the collection, processing and, where required by law or Card-Network rules, the retention of your identification documents and verification results for compliance and recordkeeping purposes.

6.3 You represent that all identification and verification information you provide is true, current and belongs to you. Presenting another person's identity document, a forged or altered document, or another person's likeness is grounds for immediate termination and may be reported to law enforcement.

6.4 We may re-verify your identity and age at any time and may suspend training, generation or payouts until re-verification is complete. We may refuse or revoke verification where we cannot reasonably confirm your identity or age.

6.5 Verification is a condition of, and is a consent separate from, the biometric and content licenses described in Sections 7 and 11.

7.1 To operate the Service you must grant, and by uploading Training Material and instructing us to train a Model you do grant, Velum AI a license to use your Likeness and Training Material solely to provide the Service to you. This includes ingesting, processing and analyzing your Training Material, deriving Biometric Data and model weights, training and storing your Model, and generating Generated Content at your direction.

7.2 The license you grant is: (a) limited, and for the sole purpose of providing the Service to you and complying with law; (b) non-exclusive; (c) revocable by you as described in Section 16; (d) non-assignable and non-sublicensable by us, except to our service providers (such as hosting, compute and identity-verification vendors) acting on our behalf under confidentiality and data-protection obligations, and except as required to comply with law; and (e) limited in duration to the shorter of the life of your account plus any legally mandated recordkeeping period, or ten (10) years from the date each item is provided, after which the license expires unless you renew it.

7.3 We do not acquire ownership of your Likeness, your Training Material or your Generated Content. We will not use your Likeness or Model to generate content for any other user, to create a "shared," "composite" or "marketplace" model, or for advertising, promotion or model training for unrelated purposes, without your separate, specific, written opt-in consent, which you may decline or later withdraw.

7.4 We may use de-identified, aggregated technical data that does not reproduce your Likeness to operate, secure and improve the Service.

7.5 This license does not authorize us to publish or distribute your Generated Content to the public; distribution is your responsibility and choice, subject to Sections 12 through 18.

8.1 As between you and Velum AI, you own your Likeness, your right of publicity, your Training Material, and, subject to the licenses in these Terms and to any third-party tool licenses disclosed to you, the Generated Content produced from your Model.

8.2 Nothing in these Terms transfers your right of publicity or your privacy rights to us. The license in Section 7 is neither a sale nor an assignment of those rights.

8.3 You are responsible for how you exploit your Generated Content, including any agreements you make with adult platforms, fans or third parties, and for paying any taxes on your earnings.

8.4 To the extent any jurisdiction treats model weights or Biometric Data as separately owned property, you and we agree that such weights and Biometric Data are held by us only as a processor and custodian, for the limited purposes stated in these Terms, and are subject to your withdrawal and deletion rights in Section 16.

9.1 The Service may be used only to create and generate content depicting your own verified Likeness. This is the single most important rule of the Service.

9.2 You must not upload, train on, or attempt to generate content depicting any person other than yourself, including any current or former partner, any celebrity or public figure, any fictional-but-real-looking composite of another identifiable person, or any person who has not personally completed verification and granted consent through the Service.

9.3 You must not upload any image or video in which another real, identifiable person appears in a manner that could reproduce that person's Likeness in a Model or in Generated Content.

9.4 Content that depicts, or that a reasonable reviewer could believe depicts, an identifiable third party without that party's verified consent is prohibited, will be blocked or removed, and may be reported.

9.5 Each Creator's Likeness may be trained and used only under that Creator's own verified account and consent. Two or more people who wish to appear together must each be a verified Creator and must each grant consent for the specific content; we may require additional documentation for any multi-person content.

9.6 Violation of this Section is a material breach and is grounds for immediate termination, forfeiture of the offending content, and referral to the authorities where the content is unlawful (including NCII or CSAM).

10.1 A Creator may authorize one or more individuals or an agency ("Authorized Users") to operate the Creator's account for day-to-day tasks such as uploading approved Training Material of the Creator, requesting generations, organizing content, and managing publication to third-party platforms, to the extent the Creator enables those permissions.

10.2 The Creator remains fully responsible for all activity under the account, including all acts and omissions of Authorized Users, and for ensuring that Authorized Users comply with these Terms.

10.3 An Authorized User or agency may not grant, expand, transfer or withdraw the Creator's biometric consent or Likeness consent. Consent to biometric processing, model training and the AI Likeness License may be given or withdrawn only by the Creator personally, through the Creator's verified identity, and may never be delegated. Any purported consent, license grant or withdrawal submitted by an Authorized User in place of the Creator is void.

10.4 An agency must have a written agreement with the Creator authorizing its role. We may require evidence of that authority, and we may suspend or remove any Authorized User at the Creator's request or where we reasonably believe the arrangement is being abused, is non-consensual, or violates these Terms or law.

10.5 The Creator may revoke any Authorized User's access at any time. Revocation does not relieve the Creator of responsibility for acts that occurred while access was granted.

11.1 To train and operate your Model, the Service collects and processes Biometric Data derived from your Training Material and liveness capture, including facial-geometry templates and other biometric identifiers and biometric information. This is a "biometric identifier"/"biometric information" under the Illinois Biometric Information Privacy Act (BIPA) and comparable laws, and a "special category" of personal data under Article 9 of the EU/UK GDPR.

11.2 Purpose and consent. We collect and use your Biometric Data for the sole purposes of verifying your identity and age, training and operating your Likeness Model, generating content at your direction, and complying with law and Card-Network rules. Before any collection, you must review our Biometric Data Policy and provide a written release / explicit consent (which may be given electronically). You are not required to consent, but without consent we cannot provide the core Service.

11.3 No sale or unrelated disclosure. We do not sell, lease, trade or otherwise profit from your Biometric Data, and we do not disclose it except: to service providers acting on our behalf under written confidentiality and data-protection terms; as you direct; or as required by law, valid legal process, or Card-Network compliance.

11.4 Retention schedule. We retain your Biometric Data only as long as needed for the purposes above and, in any event, no longer than the earliest of: (a) satisfaction of the purpose for which it was collected; (b) three (3) years after your last interaction with the Service; or (c) the point at which you withdraw consent or delete your Model under Section 16. Records we are legally required to keep under Section 13 are held separately and only for the mandated period.

11.5 Destruction. Upon expiry of the retention period, upon your withdrawal of consent, or upon deletion of your Model, we will permanently destroy your Biometric Data and the Model weights that embody your Likeness, and will instruct our processors to do the same, except for any data we are legally required to retain, which we will isolate, restrict from further processing, and destroy when the legal obligation ends.

11.6 Your rights. Depending on where you live, you may have rights to access, correct, delete, port or restrict processing of your Biometric Data and other personal data, and to withdraw consent, as described in the Privacy Policy. Withdrawing biometric consent will stop further training and generation and will trigger deletion under Section 16.

11.7 Security. We implement technical and organizational safeguards designed to protect Biometric Data using the reasonable standard of care in our industry, and no less than the care we use for our own confidential information.

12.1 All Generated Content is artificial-intelligence-generated content depicting the Creator's AI Likeness Model; it is not an unaltered photographic recording of a live event. You acknowledge this and agree to represent the nature of the content truthfully.

12.2 We apply provenance and disclosure measures to Generated Content, which may include visible labels, embedded metadata (such as C2PA content-credential signals), and/or invisible or visible watermarks indicating that the content is AI-generated. These measures support Card-Network rules, emerging AI-labeling laws, and NCII/deepfake detection.

12.3 You must not remove, alter, obscure or defeat any provenance label, watermark, metadata or content credential we apply, and you must not misrepresent Generated Content as a candid or unmodified photograph or video of a real event where doing so is deceptive or unlawful.

12.4 Where you publish Generated Content on third-party platforms, you are responsible for complying with those platforms' AI-disclosure rules and with any applicable AI-transparency or synthetic-media disclosure laws in the jurisdictions where the content is offered.

12.5 We may refuse to deliver, or may re-process, any Generated Content whose provenance signals have been stripped or that cannot be reliably labeled.

13.1 The Service produces visual depictions of actual, verified adults engaged in actual or simulated sexually explicit conduct. For the Generated Content produced through the Service, Velum AI acts as a "producer" within the meaning of 18 U.S.C. §§ 2257 and 2257A and 28 C.F.R. Part 75, and maintains the records those provisions require.

13.2 To that end, we collect and keep for each verified Creator the records required by law, which may include the Creator's legal name and any known aliases or stage names, date of birth, a copy of the government-issued photo identification used for verification, and the verification and consent records associated with the Creator's Training Material and Generated Content.

13.3 Custodian of Records. The Custodian of Records for materials produced through the Service is «[TO BE SET: Custodian of Records — full legal name and physical U.S. street address (not a P.O. box) where the 2257 Records are maintained and available for inspection]». The statutorily required recordkeeping and disclosure statement, including the Custodian's name and address, is published in our 2257 Compliance Statement.

13.4 You agree to provide accurate information for these records, to cooperate with our verification, and to keep your information current. You acknowledge that we may be required to produce these records to authorized inspectors, and that we will retain them for the period required by law even after your account closes or your Model is deleted.

13.5 To the extent you also publish or distribute Generated Content yourself, you may have your own independent recordkeeping or labeling obligations; nothing here relieves you of obligations that apply to you as a distributor.

14.1 You must comply with our Acceptable Use Policy at all times. The prohibitions below are material terms of these Terms.

14.2 Zero tolerance for CSAM. You must never upload, request, generate, store, transmit or distribute any material that depicts, appears to depict, or sexualizes a minor, including any real, fictional, "age-play," de-aged, "teen"-themed, or AI-generated depiction that appears to be of a person under 18. This is prohibited without exception. We use detection tooling and human review, and we report apparent child sexual abuse material to the National Center for Missing & Exploited Children (NCMEC) and, as required, to law enforcement, and we preserve related data as the law requires. Offenders will be terminated immediately.

14.3 No third-party or non-consensual likeness. You must not create content of anyone but your verified self (Section 9), and you must not create or distribute non-consensual intimate imagery or deepfakes of any real person (Section 18).

14.4 Other prohibited content and conduct include, without limitation: non-consensual sexual content; content depicting or promoting rape, incest with real relatives, bestiality, necrophilia, or serious non-consensual violence, torture or gore; content depicting trafficking or coercion; sexual content involving persons who cannot consent; use of another person's identity documents or Likeness; circumventing verification, provenance or safety controls; uploading malware; scraping or unauthorized automated access; infringing others' intellectual-property rights; and any use that violates law or Card-Network rules.

14.5 Prohibited content is subject to blocking, removal, preservation, reporting and account termination. Certain categories (CSAM, NCII, trafficking) will be reported to the appropriate authorities regardless of your stated intent.

14.6 We may update the list of prohibited content to meet legal and Card-Network requirements, and such updates take effect when posted.

15.1 As required by Card-Network rules and our compliance program, Generated Content and, where applicable, Training Material are subject to review before the content is delivered to you for distribution or made available for publication.

15.2 Review may combine automated screening (for CSAM, third-party likeness, non-consent signals and prohibited categories) with human moderation. We may delay, withhold, watermark, edit the metadata of, or refuse any content that fails review.

15.3 Review is a safety and compliance control for the benefit of affected persons and the payment ecosystem. It does not make us the publisher of your Generated Content, does not guarantee that content is lawful in every jurisdiction, and does not shift to us your responsibility for lawful distribution.

15.4 You must not attempt to bypass review, or to publish or distribute content that has not cleared review where clearance is required.

16.1 You may withdraw your biometric and Likeness consent and request deletion of your Model at any time, through your account settings or by contacting us at Support contact pending configuration. Only the Creator, through verified identity, may do this (Section 10.3).

16.2 Upon a valid withdrawal or deletion request, we will, within a commercially reasonable time and no later than «[TO BE SET: deletion turnaround, e.g., 30 days]»: stop training and generating with your Model; deactivate and then permanently delete your Model weights and Biometric Data; and instruct our processors to do the same.

16.3 Deletion is subject to the legally mandated retention in Section 13 (2257 Records) and to any records we must keep to comply with law, resolve disputes or enforce our agreements. Such retained records will be restricted from further processing and destroyed when the obligation ends.

16.4 Withdrawal and deletion do not affect: (a) Generated Content you have already downloaded, published or distributed; (b) copies lawfully held by third parties to whom you distributed content; or (c) the lawfulness of processing carried out before withdrawal. You are responsible for removing content you have already published from third-party platforms.

16.5 Deleting your Model may end your ability to use core features and may result in closure of your account.

17.1 We maintain a complaints and content-removal process, available to Creators, to persons depicted in content, and to third parties, at Support contact pending configuration and through any reporting tools we provide.

17.2 Anyone may report content they believe violates these Terms or their rights, including content they believe depicts them without consent, infringes their rights, or is otherwise unlawful. Reports should identify the content, the basis for the complaint, and the reporter's relationship to it.

17.3 We will acknowledge and review complaints and will resolve them — including by removing or restricting content where warranted — within seven (7) business days of receiving a complete report, except that NCII/deepfake reports are handled on the accelerated timeline in Section 18 and CSAM is actioned immediately.

17.4 Appeals. A Creator whose content was removed or restricted, and a complainant dissatisfied with our decision, may appeal by replying to our decision within the time we specify. We will review appeals in good faith and communicate the outcome. Certain removals required by law or Card-Network rules are not reversible.

17.5 We keep records of complaints, actions and appeals, and may report aggregate information to our acquirers and, where required, to the authorities.

18.1 Consistent with the federal TAKE IT DOWN Act and comparable laws, we prohibit non-consensual intimate imagery (NCII) and non-consensual sexual "deepfakes," whether authentic or computer-generated, of any identifiable person.

18.2 Notice and removal. An identifiable individual (or someone authorized to act on their behalf) who believes intimate visual depictions of them are available through the Service without consent may submit a removal request to our designated contact at «[TO BE SET: NCII removal contact / designated agent — email and mailing address]». A valid request should include: a signed statement (physical or electronic) that the requester is the depicted individual or an authorized representative and that the depiction was made, or is being made available, without consent; information reasonably sufficient to locate the content; and contact information.

18.3 Upon receiving a valid request, we will remove the reported intimate visual depiction, and will make reasonable efforts to identify and remove any known identical copies, as soon as possible and no later than forty-eight (48) hours after receipt.

18.4 We may use hash-matching and other tooling to detect and prevent re-upload of removed NCII. We will not treat a good-faith takedown as an admission, and we may preserve evidence as the law allows or requires.

18.5 Misuse of this process (for example, submitting a false consent claim, or falsely claiming that content is non-consensual) is prohibited and may itself violate these Terms and the law.

18.6 This process is in addition to the copyright process in Section 19 and the general complaints process in Section 17.

19.1 You must respect others' intellectual-property rights and may upload only material that you own or are licensed to use. You represent that your Training Material and instructions do not infringe any third party's copyright, trademark, right of publicity or other rights.

19.2 We respond to notices of alleged copyright infringement under the Digital Millennium Copyright Act (DMCA). If you believe content on the Service infringes your copyright, send a notice containing the elements required by 17 U.S.C. § 512(c)(3) to our designated agent: «[TO BE SET: DMCA Designated Agent — name, mailing address, email and telephone, as registered with the U.S. Copyright Office]».

19.3 We will remove or disable access to allegedly infringing content, notify the affected user, and accept counter-notifications as provided by the DMCA. We maintain and enforce a policy of terminating, in appropriate circumstances, users who are repeat infringers.

19.4 The Service — including our software, models (other than your Likeness Model weights), user interfaces, trademarks and content we provide — is owned by us or our licensors and is protected by intellectual-property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Service for its intended purpose during your subscription; you receive no other rights.

19.5 The Service may incorporate third-party AI models or tools under their own licenses; where those licenses impose conditions on outputs, we will disclose the material terms, and you agree to comply with them.

20.1 Paid features are offered on subscription and/or usage/credit terms described at purchase, with prices ranging generally from «[TO BE SET: price range, e.g., US$200–US$1,000]» depending on the plan. All fees are stated in the currency shown and are exclusive of taxes unless otherwise stated.

20.2 Payments are processed by our third-party Payment Processors, CCBill and/or Epoch, using Visa or Mastercard. Your charges will appear on your statement under the descriptor «[TO BE SET: billing descriptor as registered with the processor]». Your use of the Payment Processor is also subject to its own terms and privacy policy.

20.3 Subscriptions renew automatically for successive periods until cancelled. You may cancel at any time through your account or the Payment Processor's tools; cancellation stops future renewals and takes effect at the end of the current period.

20.4 Refunds. Except where required by law or expressly stated in our Refund Policy, fees are non-refundable, including fees for training runs, credits or generations already consumed. We may, at our discretion, grant partial or full refunds (for example, for verified technical failures). Consumers in some jurisdictions (including the EU/UK) may have statutory withdrawal or cancellation rights, which we honor where they apply; digital services begun with your consent before the withdrawal period ends may reduce or remove those rights to the extent the law allows.

20.5 Chargebacks. If you have a billing concern, contact us first at Support contact pending configuration; we aim to resolve disputes promptly. Initiating a chargeback or payment dispute without first contacting us, or for services actually rendered, is a breach of these Terms; we may suspend your account, contest the chargeback with evidence of your acceptance and use, and recover related fees and costs.

20.6 We may change prices and plans on notice; changes apply to the next billing cycle. Failure to pay may result in suspension or termination and loss of access to features and stored content, subject to the retention rules above.

21.1 In addition to Section 6, we and our Payment Processors apply "know-your-customer" (KYC) and anti-money-laundering (AML) controls. You agree to provide the identity, business, tax and banking information reasonably required to verify you and to pay you, and to keep it accurate.

21.2 Sanctions. You represent that you are not located in, ordinarily resident in, or acting on behalf of any person in a country or territory subject to comprehensive U.S. or other applicable sanctions, and that you are not on any applicable sanctions or denied-parties list. We do not provide the Service to sanctioned persons and will refuse or reverse transactions as required.

21.3 Payouts. Where the Service facilitates payouts to you (for example, of amounts collected on your behalf), payouts are subject to verification, minimum thresholds, holdback or reserve periods for chargeback and fraud risk, and any deductions for fees, taxes, refunds, or amounts you owe us. We may withhold or delay payouts pending verification, investigation of suspected fraud or prohibited content, or legal process.

21.4 You are solely responsible for your own tax obligations, and we may issue tax forms and withhold amounts where required by law.

21.5 We may report suspicious activity as required and cooperate with lawful requests from regulators, Card Networks and law enforcement.

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

22.2 We do not warrant that the Service will be uninterrupted, secure or error-free, that AI outputs will be accurate, realistic, consistent or fit for your purpose, that content will be free of flaws, or that provenance or safety tooling will detect every prohibited item.

22.3 AI-generated outputs are probabilistic and may contain artifacts or unexpected results. You are responsible for reviewing Generated Content before use and for deciding whether and how to distribute it.

22.4 We are not your lawyer, agent or tax advisor, and nothing in the Service is legal, tax or financial advice. You are responsible for your own compliance with the laws and platform rules that apply to your distribution and sale of content.

22.5 Some jurisdictions do not allow certain warranty exclusions, so parts of the above may not apply to you; in that case, warranties are limited to the minimum scope and duration the law requires.

23.1 To the fullest extent permitted by law, neither Velum AI / Velum AI operator [to be configured] nor its officers, employees, agents, licensors or service providers will be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, revenue, goodwill, data or content, arising out of or relating to the Service, even if advised of the possibility of such damages.

23.2 To the fullest extent permitted by law, our total aggregate liability for all claims relating to the Service will not exceed the greater of the amount you paid us for the Service in the six (6) months before the event giving rise to the claim, or «[TO BE SET: liability floor, e.g., US$100]».

23.3 The limitations in this Section apply to all theories of liability and are a fundamental basis of the bargain between us. They do not apply to liability that cannot be limited by law (for example, certain statutory consumer rights, or liability for gross negligence, fraud or willful misconduct where non-waivable).

23.4 Nothing in these Terms limits either party's liability for its own violation of law regarding CSAM or NCII, or for a person's non-waivable statutory rights, including biometric-privacy and right-of-publicity claims to the extent such limitation is prohibited.

24.1 You will defend, indemnify and hold harmless Velum AI / Velum AI operator [to be configured] and its officers, employees, agents, licensors and service providers from and against any claims, demands, liabilities, damages, losses and costs (including reasonable legal fees) arising out of or relating to: (a) your Creator Content, including any claim that it depicts a third party, is non-consensual, is unlawful, or infringes rights; (b) your breach of these Terms or of law or Card-Network rules; (c) your distribution, sale or marketing of Generated Content; (d) the acts or omissions of your Authorized Users or agency; and (e) any misrepresentation of your identity, age or authority.

24.2 We will notify you of a claim, allow you to control the defense with counsel reasonably acceptable to us, and cooperate reasonably; we may participate with our own counsel at our expense. You may not settle a claim in a way that imposes obligations on us or admits our fault without our written consent.

24.3 Your indemnification obligations survive termination of these Terms.

25.1 You may stop using the Service and close your account at any time, subject to the deletion and retention rules above.

25.2 We may suspend or terminate your access, in whole or in part, with or without notice, if: you breach these Terms; we reasonably suspect prohibited content (including CSAM, NCII or third-party likeness), fraud, or chargeback abuse; verification fails or cannot be maintained; a Card Network, Payment Processor or law requires it; or continued provision poses legal, security or reputational risk.

25.3 For serious violations (including CSAM, NCII or third-party-likeness violations), termination may be immediate and permanent, content may be preserved and reported, and we may decline to restore access or data.

25.4 On termination, we will cease providing the Service and will handle your Biometric Data, Model and content in accordance with Sections 11, 13 and 16 (deletion subject to legally mandated retention).

25.5 Provisions that by their nature should survive termination — including ownership, licenses granted to us for the limited compliance/retention period, recordkeeping, disclaimers, limitation of liability, indemnification and dispute resolution — survive.

26.1 These Terms are governed by the laws of the State of «[TO BE SET: governing-law U.S. state]» and applicable U.S. federal law, without regard to conflict-of-laws rules, except that mandatory consumer-protection and data-protection laws of your place of residence may also apply and are not waived by this Section.

26.2 Informal resolution. Before starting any formal proceeding, you agree to contact us at Support contact pending configuration and to attempt to resolve the dispute informally for at least thirty (30) days.

26.3 Arbitration. Except for the carve-outs below, any dispute arising out of or relating to these Terms or the Service will be resolved by final and binding individual arbitration administered by «[TO BE SET: arbitration provider and applicable rules]», seated in «[TO BE SET: arbitration seat/venue]», conducted in English or Spanish at the claimant's election. Judgment on the award may be entered in any court of competent jurisdiction.

26.4 Class-action waiver. To the fullest extent permitted by law, disputes will be brought only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated or representative proceeding. The arbitrator may not consolidate more than one person's claims or preside over any representative or class proceeding.

26.5 Right-of-publicity and non-waivable carve-out. Notwithstanding the foregoing: (a) claims relating to your own right of publicity, your biometric-privacy rights, or other non-waivable statutory rights may be brought as the applicable law permits and are not waived, limited, or forced into arbitration to the extent that law prohibits; (b) either party may bring an individual claim in small-claims court; and (c) either party may seek injunctive relief in court to stop infringement or misuse of intellectual-property or publicity rights, or unauthorized disclosure. Where arbitration or the class waiver is unenforceable for a claim, that claim proceeds in the courts of «[TO BE SET: judicial venue]», and the remainder of this Section still applies to other claims.

26.6 Consumers in the EU/UK and certain other jurisdictions retain the right to bring proceedings in, and to the protection of the mandatory laws of, their home jurisdiction; nothing in this Section removes those rights.

27.1 Changes. We may update these Terms to reflect changes in the Service, in law or in Card-Network rules. We will post the updated Terms with a new effective date and, for material changes, provide reasonable notice (for example, by email or in-product notice). Changes are not retroactive and take effect on the stated date; your continued use after that date constitutes acceptance. If you do not agree, you must stop using the Service before the effective date.

27.2 Contact and designated agents. Operator: Velum AI operator [to be configured], operating as Velum AI (https://velum.ai). General and support contact: Support contact pending configuration. Custodian of Records: see Section 13.3 and our 2257 Compliance Statement. DMCA Designated Agent: see Section 19.2. NCII removal contact: see Section 18.2. Data-protection representatives under GDPR Article 27: EU — «[TO BE SET: EU Article 27 representative name and address]»; UK — «[TO BE SET: UK Article 27 representative name and address]».

27.3 Entire agreement; order of precedence. These Terms, together with the policies and supplemental terms incorporated by reference, are the entire agreement between you and us regarding the Service, and supersede prior agreements on the subject.

27.4 Severability; no waiver. If any provision is held unenforceable, the remainder remains in effect and the provision is modified to the minimum extent necessary. Our failure to enforce any provision is not a waiver of it.

27.5 Assignment. You may not assign these Terms without our consent; we may assign them to an affiliate or successor (for example, in a merger or sale), subject to the biometric and Likeness protections in these Terms and applicable law.

27.6 Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control.

27.7 Language. These Terms are provided in English; in case of conflict, the «[TO BE SET: controlling language]» version controls, except where local law requires the local-language version to prevail.

27.8 Notices. We may give notices by email or through the Service; you consent to electronic communications and records.