Terms of Service

Article 1 (Purpose)

These Terms set out the rights, obligations, and responsibilities of HEY JAMES Inc. (the "Company") and the users in connection with the Fingr AI video creation and AI app creation services (the "Service") provided by the Company, along with other necessary matters.

Article 2 (Definitions)

The following definitions apply in these Terms.

1. "Service" means the following two functions provided by the Company together:
   • AI video creation: AI script generation, TTS narration, AI image generation, slide / video composition, and subtitle generation.
   • AI app creation: a feature that automatically generates, hosts, and modifies a Rails web app from the user's idea, and lets the user optionally connect a custom domain, download the source code, and run the app in production mode.
2. "User" or "Member" means a person who agrees to these Terms, completes account registration, and uses the Service.
3. "Credits" means the virtual settlement units that are charged or granted for use of the Service, classified as follows:
   • Subscription credits: credits granted monthly (or annually) under the subscription plan.
   • Purchased credits: credits bought separately.
   • Welcome credits: credits granted free of charge upon sign-up.
4. "Content" means videos, scripts, slides, voices, subtitles, and the source code, data, and assets of any AI-generated app produced through the Service.
5. "Voice profile" means a voice used to generate TTS narration, including preset voices and cloned voices generated from voice samples uploaded by the user.
6. "Subscription plan" means a paid usage right that grants credits and access to the Service for a defined period.
7. "Project" means a unit of work the user creates inside the video creation feature to produce a video.
8. "Billing key" means the payment authentication credentials registered through Lemon Squeezy or Toss Payments for auto-billing.
9. "Generated app" means a Rails web app automatically generated by AI from the user's idea and hosted by the Company.
10. "Workspace" means an isolated working area on the Company's servers where the source code, database, and logs of a single generated app are stored.
11. "Development mode" means the default operating mode of a generated app, in which the app is automatically suspended after a period of inactivity to control resource usage.
12. "Production mode" means a paid add-on under which a generated app is kept running 24/7 with elevated resource allocation, intended for serving end users reliably.
13. "Custom domain" means a domain owned or leased by the user (e.g., myservice.com) that is connected to a generated app.
14. "Free trial" means the one-time trial usage right for the AI app creation feature granted to new sign-ups.
15. "Beta service" means a candidate new service in the pre-launch stage, for which the Company collects sign-ups and conducts validation through interviews or pilot use on dedicated pages.

Article 3 (Company information)

Article 4 (Effect & changes to the Terms)

1. These Terms take effect by being posted on the Service screen or otherwise notified to users.
2. The Company may amend these Terms within the scope permitted by applicable law, and will post any amendment within the Service at least 7 days before its effective date.
3. For amendments unfavorable to users, the Company will give notice at least 30 days in advance and will also notify users individually by email.
4. Users who do not agree to amended Terms may terminate the user agreement. If a user does not express refusal within 30 days from the notice, the user is deemed to have agreed to the amendment.

Article 5 (Forming the user agreement)

1. The user agreement is formed when a user agrees to these Terms and the Privacy Policy, applies for membership, and the Company accepts the application.
2. Sign-up is available with email and password, or via Google social login.
3. For email sign-up, the email verification step must be completed before the Service can be used normally.
4. The Company may refuse sign-up — or terminate the agreement after the fact — in any of the following cases:
   • The user provided false information.
   • The user is under 14 years old.
   • The user has previously had Service access restricted for violating the Terms.
   • The user signed up multiple times in a short period from the same IP address or using disposable email domains (suspected abuse).
   • The sign-up was attempted via bots or automation tools.
   • There is a technical impediment.
5. For sign-ups suspected of abuse, the Company may temporarily suspend the account, conduct an operator review, and then either resume access or impose a permanent block.

Article 6 (Restriction for users under 14)

1. The Service is available only to users aged 14 or older.
2. If a user under 14 is found to have signed up, the Company will immediately delete the relevant account and destroy the related personal data.

Article 7 (Account management)

1. Users are responsible for managing their own account information (email, password, etc.).
2. Users may not share, transfer, or lend their account to third parties.
3. If the registered information changes, the user must update it immediately on the profile page.
4. The user is responsible for damage caused by careless password management, account sharing, or similar acts.
5. If unauthorized use of an account is detected, the user must promptly notify the Company.

Article 8 (Service contents)

The main contents of the Service are as follows:

1. AI video creation

1. AI script generation: AI generates a video narration script based on the topic and conditions entered by the user.
2. TTS narration: Converts the generated script into voice.
3. Voice cloning: Generates a personalized voice profile from voice samples uploaded by the user.
4. AI image generation: AI generates B-roll images for use in videos.
5. Slide / video composition: Combines script, voice, image, and subtitles into a final video.
6. Subtitle generation: Automatically generates subtitles aligned with the narration.

2. AI app creation

7. Automatic AI app generation: AI generates a Rails web app from the user's idea and follow-up Q&A.
8. App hosting: The generated app is published immediately on a subdomain assigned by the Company (e.g., your-app.apps.fingr.io) and runs on the open internet.
9. Natural-language edit requests: Without any coding knowledge, the user can request feature or design changes in plain language; AI modifies the source code directly and applies the change.
10. Source-code download: Paid subscribers and users with active production mode can download the full source code of a generated app as a zip file (a README, LICENSE, and example environment-variable file are included automatically).
11. Production mode: Upon separate request, the user can switch a generated app into 24/7 operation with elevated resource allocation (see Article 11).
12. Custom domain connection: For apps in production mode only, the user can connect their own domain and have an SSL certificate issued automatically (see Article 12).

The Service is provided using third-party AI APIs (Anthropic, MiniMax, FAL.ai, etc.) and payment processors (Lemon Squeezy, Toss Payments). Service quality, speed, and availability may vary depending on the circumstances of those external providers.

Article 9 (App creation free trial)

1. The Company grants new sign-ups a one-time free trial for the AI app creation feature. The free trial is operated as a separate quota from the welcome credits used for video creation, and is not consumed by video usage.
2. The free trial limits are as follows:

   App creations	1
   Natural-language edit requests	5
   Combined input token cap	500,000
   Combined output token cap	250,000
   Validity	30 days from sign-up

3. If any one of the limits above is reached, further calls are blocked immediately and the user is shown an upgrade prompt. After the limit is reached, apps already created continue to operate under the lifecycle policy in Article 10 — they may be re-started but cannot be edited further.
4. Traffic identified as automated (bots, crawlers, monitoring tools) does not count against free-trial limits and does not refresh the auto-suspend timer.
5. The free trial is non-refundable. Under the one-account-per-person principle, a single individual may not collect free trials across multiple accounts; violations may result in restriction of Service access.
6. The Company may adjust the free trial limits and validity period in its reasonable discretion based on operating data; changes are announced in advance under Article 4.

Article 10 (Generated app development-mode lifecycle)

Unless production mode is requested, every generated app runs in "development mode" by default. To control cost and resource usage, the following lifecycle is applied automatically.

1. Auto-suspension (10 minutes): If there is no human traffic for 10 minutes after the last visit, the app is automatically suspended. It will resume automatically when the user re-visits the URL or sends a new edit request.
2. Permanent deletion (7 days): If an app stays suspended for 7 days, the Company permanently deletes its workspace (source code, database, and logs). A pre-deletion email is sent to the user one day before deletion.
3. Resource allocation: Apps in development mode run with capped memory and CPU. Under heavy concurrent traffic or compute-intensive workloads, response times may slow. For higher performance or 24/7 operation, the user may request production mode under Article 11.
4. Bot traffic: Automated traffic (bots, crawlers) does not refresh the auto-suspend timer. An app that only receives bot traffic is treated as having no human visitors and will eventually be suspended.
5. Data loss: Permanently deleted apps cannot be restored. The user is responsible for downloading any source code or data they wish to preserve in advance.
6. The auto-suspension and permanent-deletion intervals may be adjusted in the Company's reasonable discretion; changes are announced in advance under Article 4.

Article 11 (Production mode)

1. Eligibility: Production mode may be requested only by users with an active paid subscription (Starter, Pro, or Business). Free-trial users cannot enable it.
2. Charge model: Activating production mode immediately deducts 15,000 credits as a prepayment. The charge then renews every 30 days, deducting the same amount on each renewal date.
3. Service form: Production mode is provided in the form of a digital-content subscription. If the user voluntarily disables it during a paid period, the remaining days are not refunded.
4. Resource allocation: Apps in production mode receive higher memory and CPU allocation than development mode and are exempt from the auto-suspension policy in Article 10(1) — they run 24/7.
5. Renewal pre-warning: If, three days before the next renewal, the user's remaining credits are less than the renewal amount, the Company sends a pre-warning email.
6. Auto-demotion (insufficient balance): If credits are insufficient on the renewal date, the app is automatically demoted to development mode, and notification emails are sent to both the user and the operator. The following items are preserved or interrupted on auto-demotion:

   Preserved	Workspace (source code) · app database · custom-domain configuration
   Interrupted	Custom-domain routing (the app falls back to the Company subdomain) · 24/7 operation (the development-mode auto-suspension policy resumes)

7. Recovery: An auto-demoted app can be restored immediately by topping up credits and re-activating production mode. If recovery happens within the same renewal cycle without an additional charge, the system determines this automatically.
8. Voluntary demotion by the user: The user may demote their own app to development mode at any time; in that case as well, the remaining days of the paid period are not refunded (see paragraph 3).

Article 12 (Custom domain connection)

1. For apps in production mode, the user may connect a domain that they lawfully own or lease. This feature does not incur any charge in addition to the production-mode fee.
2. When a domain is connected, the Company automatically issues and renews an SSL certificate via Caddy and Let's Encrypt. Issuance typically completes within 1 to 5 minutes after DNS propagation, but may be delayed by DNS misconfiguration or domain-registrar policies.
3. The user warrants the following:
   • The connected domain is one that the user lawfully owns or leases.
   • The domain will not be used to host illegal content.
   • The domain does not infringe a third party's trademark, personality rights, or similar rights.
4. If production mode ends — voluntarily or by auto-demotion — and the app reverts to development mode, the Company immediately stops routing for that custom domain and stops issuing certificates for it. The domain configuration itself is retained in the database, so re-activating production mode automatically re-connects the same domain.
5. The Company may block illegitimate domain-connection attempts (e.g., connecting a domain owned by a third party without authorization, or one that violates these Terms); for violations, the Company may immediately disconnect the domain and take action under Article 19.

Article 13 (Beta services)

1. The Company may introduce candidate new services in their pre-launch stage on dedicated pages and collect sign-ups for them ("beta services").
2. When signing up for a beta service, users may provide information such as email, contact number, time spent on the relevant workflow, pain points, expectations, desired features, and role; some fields are optional.
3. The Company may contact applicants by email or phone to request interviews, pilot use, or feedback. Applicants are not obliged to respond.
4. If a beta service is officially launched, the Company may give applicants priority access; at official launch, terms and pricing different from these Terms may apply.
5. The Company may, for reasonable cause, decide not to launch a particular beta service or discontinue it during validation; the Company is not liable for damages arising from such a decision (except in cases of willful misconduct or gross negligence).

Article 14 (Credit system)

1. Costs from AI API calls are deducted in credits when the Service is used. Deductions cover not only video creation features (script generation, TTS, image generation, etc.) but also AI app creation, natural-language edits, and production mode.
2. Credits deducted for AI app creation and natural-language edits are calculated by applying a multiplier (currently 3x) to the underlying external AI API cost. The exact multiplier may be adjusted in the Company's reasonable discretion based on operating data; changes are announced in advance under Article 4.
3. Production mode incurs a separate prepayment of 15,000 credits per 30-day period (see Article 11).
4. Credit validity periods are as follows:
   • Welcome credits: 1 year from the date granted.
   • Subscription credits: until the end of the relevant subscription period (no carry-over).
   • Purchased credits: 1 year from the date of purchase.
5. Credits are deducted from subscription credits first, and then from those expiring soonest.
6. Credits cannot be transferred to others and are not refundable in cash.
7. Expired credits are automatically forfeited and cannot be restored.

Article 15 (Subscription plans & auto-billing)

1. The Company offers the following subscription plans:

   Plan	Credits	New apps / month	Monthly	Yearly
   Starter	15,000	1	$9.90	$99
   Pro	45,000	5	$29.90	$299
   Business	150,000	20	$99.90	$999

2. The "new apps per month" quota is enforced on a 30-day rolling window; once the quota is reached, additional app creation is blocked. Natural-language edit requests are unlimited on every paid plan (see Article 19 for limits on abusive use).
3. Subscription payments are processed via billing-key-based auto-billing through one of the following payment processors, depending on the user's display language:
   • English-language users: Lemon Squeezy (USD, with the rate fixed at ₩1,000 ≒ $1).
   • Korean-language users: Toss Payments (KRW).
4. Subscriptions are renewed automatically on the expiry date, with email notice 7 days in advance.
5. Additional credits may be purchased separately in 10,000-credit increments ($10 or ₩10,000 minimum), and custom amounts are supported.
6. Payment methods are credit or check cards; the registered card may be changed in the user's profile.

Article 16 (Subscription cancellation)

1. Users may cancel a subscription at any time. Cancellation disables auto-renewal, and the Service may continue to be used until the paid subscription period expires.
2. After cancellation, the subscription may be reactivated until the expiry date.
3. Credits remaining at the time of cancellation can be used until the subscription expires.
4. After a subscription expires, new production-mode activations are restricted; any apps already running in production mode may be auto-demoted on the next renewal cycle (see Article 11).

Article 17 (Withdrawal & refunds)

1. Withdrawal: Users may withdraw the subscription within 7 days of the payment date. However, if any credits have been used, the digital content is deemed to have been consumed and withdrawal is restricted.
2. Refund processing: Where withdrawal is permitted, the full payment amount will be refunded to the original payment method within 3 business days.
3. Mid-term cancellation of yearly plans: If a user cancels a yearly plan mid-term, the period used will be calculated at the standard monthly rate, and the remaining balance will be refunded.
4. No refund for production mode: Production mode is offered as a 30-day digital-content subscription. If voluntary or auto-demotion occurs during a paid period, the remaining days are not refunded.
5. Non-refundable items: Credits granted free of charge — including welcome credits — and the free trial are not refundable.
6. Refund requests can be sent to customer support at james@heyjames.ai.

Article 18 (Voice cloning conditions)

1. Voice cloning is a feature that sends voice samples uploaded by the user to a third-party API provider (MiniMax) to generate a voice model.
2. By using voice cloning, the user agrees to the following:
   • Only the user's own voice — or a voice for which the user holds lawful rights — will be uploaded.
   • Uploaded voice data is transmitted to MiniMax servers located overseas (China).
   • The Company will not use the user's voice data for any purpose other than providing this Service.
3. All legal liability arising from uploading another person's voice without authorization rests with the user.
4. Use of voice cloning for malicious purposes — including deepfakes, impersonation, and fraud — is prohibited; violations result in immediate suspension of Service access.

Article 19 (User obligations & prohibited acts)

Users must not engage in any of the following acts.

General prohibited acts

1. Registering false information.
2. Misappropriating another person's information.
3. Misuse of the Service via automation tools, crawling, etc.
4. Multiple sign-ups from the same IP or via disposable email domains.
5. Acts that interfere with the stable operation of the Service.
6. Infringing the intellectual property rights of the Company or third parties.

AI video creation prohibited acts

7. Generating illegal or harmful content (pornography, child exploitation material, hate speech, etc.).
8. Generating content that infringes the portrait rights or personality rights of others.
9. Using the Service to generate or distribute false information or fake news.
10. Cloning another person's voice without authorization.
11. Impersonating another person by abusing deepfakes.
12. Reverse-engineering or bypassing the API.
13. Spam or abuse via mass automatic generation.

AI app creation & operation prohibited acts

14. Hosting or distributing illegal content (pornography, child-exploitation material, gambling, narcotics, etc.) through a generated app.
15. Operating malware, phishing sites, spam senders, cryptocurrency miners, or other malicious code through a generated app.
16. Hosting third-party copyrighted works in volume without the rights-holder's consent.
17. Abnormally occupying or exhausting the Company's resources (for example, intentional infinite loops, self-calling traffic to inflate metrics, or workloads that affect other apps or users).
18. Attempting, via natural-language edit requests, code changes that would constitute any of the prohibited acts in items 1-17.
19. Connecting a domain not lawfully owned by the user as a custom domain.
20. Intentionally crafting prompts to circumvent these Terms or the policies of the underlying AI API providers.

For violations, the Company may, after prior notice, restrict or suspend Service access or terminate the user agreement. However, in urgent or clearly violating cases (e.g., hosting illegal content, operating malware), the Company may suspend the app or account immediately and without prior notice.

Article 20 (Content copyright & usage rights)

1. Rights to source materials the user provides (video topic / research notes, app idea / natural-language edit requests, etc.) belong to the user.
2. The Company grants the user a non-exclusive usage right — including for commercial use — over the content generated by AI through the Service (scripts, images, voices, subtitles, and the source code, data, and assets of any AI-generated app). Users are free to use generated outputs in their own businesses or services.
3. The Company may use generated outputs internally to provide, improve, and monitor the Service, in a way that does not infringe the user's rights, and will not disclose or resell them externally without separate consent.
4. The copyright status of AI-generated outputs is unsettled under current law and may change as relevant laws evolve.
5. Restrictions under the terms of third-party AI API providers (Anthropic, MiniMax, FAL.ai) may apply.
6. Responsibility for the copyright, portrait rights, and similar rights of audio files, images, and text uploaded by the user rests with the user.
7. Paid subscribers and users with active production mode may download a generated app's source code as a zip file. The LICENSE file in the downloaded zip lists the user as the copyright holder.

Article 21 (AI output disclaimer)

1. The Company does not guarantee the accuracy, suitability, or legality of content generated by AI.
2. AI may generate information that differs from fact ("hallucination"); the Company is not responsible for this.
3. The user is responsible for reviewing and verifying generated content before using it.
4. If a dispute with a third party arises from generated content, responsibility rests with the user who used that content.
5. The Company does not guarantee the naturalness or accuracy of TTS voices, nor the quality of AI images.
6. The Company makes no warranty whatsoever regarding the security, correctness, performance, scalability, fitness for a particular purpose, or external dependencies of AI-generated app code. Before using a generated app for production use, the user is responsible for personally reviewing and testing the code and behavior.
7. Primary responsibility for protecting personal data, payment information, and other sensitive data of the user — or of that user's end users — that is processed or stored by a generated app rests with the user operating that app.

Article 22 (Service changes / interruption / termination)

1. Service changes: When operationally or technically necessary, the Company may change all or part of the Service, with at least 30 days' prior notice for material changes.
2. Temporary interruption: The Service may be temporarily interrupted due to scheduled maintenance, system failure, third-party API failure, force majeure, or similar causes.
3. Termination of Service: If the Company terminates the Service, it will give notice at least 60 days in advance and refund any unused paid credits. Until termination, users will be given a reasonable window to download the source code and data of any generated apps.
4. If a third-party external service (Anthropic, MiniMax, FAL.ai, Lemon Squeezy, Toss Payments, Let's Encrypt, etc.) suspends its service, the related feature may be temporarily limited; the Company will use reasonable efforts to arrange alternatives.

Article 23 (Termination of the user agreement)

1. Termination by user: Users may terminate the user agreement at any time by deleting their account on the profile page.
2. Termination is handled as follows:
   • Personal data is destroyed immediately, except for items that must be retained under applicable law.
   • Video projects and generated video content are retained for 30 days after withdrawal and then destroyed.
   • Workspaces of generated apps (source code, database, logs) are also retained for 30 days after withdrawal and then destroyed. If preservation is needed, the user must download the code before withdrawal.
   • Cloned voice profiles are deleted immediately.
   • Remaining credits are forfeited; refunds for paid purchased credits follow Article 17.
3. Termination by Company: If the user violates the prohibited acts in Article 19, the Company may terminate the user agreement after prior notice. In urgent or clearly violating cases the Company may terminate immediately without prior notice; in such cases all apps owned by the user are suspended at once and permanently deleted after 30 days.

Article 24 (Damages & liability)

1. If the Company causes damage to a user through willful misconduct or gross negligence, the Company will compensate that damage.
2. The Company's liability for damages is capped at the total Service fees the user paid to the Company over the prior 12 months.
3. The Company is not liable in any of the following cases:
   • Service interruption due to force majeure such as natural disasters or war.
   • Failure attributable to a third-party external service (Anthropic, MiniMax, FAL.ai, Lemon Squeezy, Toss Payments, Let's Encrypt, etc.).
   • Service interruption attributable to the user.
   • Damage related to credits granted free of charge (such as welcome credits) and the free trial.
   • Data loss caused by the auto-suspension and permanent-deletion policy in Article 10 where the user neglected to download in advance.
   • Temporary interruption from auto-demotion under Article 11, where the user received the pre-warning email but did not top up credits.
   • Damage suffered by an end user of an app the user operates — or by a third party — as a result of security vulnerabilities, data leakage, or feature errors in that app.
   • Temporary connection issues caused by DNS misconfiguration, domain-registrar policies, or delays in SSL certificate issuance for a custom domain.
4. If the Company or a third party suffers damage attributable to the user, the user must compensate that damage. In particular, where an app the user operates causes damage to the Company or a third party through any of the prohibited acts in Article 19, the user is responsible for full compensation.

Article 25 (Governing law & jurisdiction)

1. The interpretation and application of these Terms is governed by the laws of the Republic of Korea.
2. For any dispute arising from use of the Service, the Seoul Central District Court has jurisdiction as the court of first instance.

Article 26 (Dispute resolution)

1. Disputes related to use of the Service should first be addressed through the Company's customer support (james@heyjames.ai).
2. If the parties cannot resolve the dispute, resolution may be sought through any of the following bodies:
   • Korea Fair Trade Commission consumer dispute mediation
   • Korea Consumer Agency dispute relief (1372 from anywhere in Korea)
   • Electronic Commerce Dispute Resolution Committee
   • Personal Information Dispute Mediation Committee (1833-6972 from anywhere in Korea)

Article 27 (Supplementary provisions)

1. These Terms take effect on April 30, 2026.
2. The previous Terms of Service (effective April 4, 2026) are replaced by these Terms. The principal scope of this revision is the addition of the AI app creation feature and its related policies (free trial, app lifecycle, production mode, custom domains, beta services, and English-language payment routing).