Terms.

1. Introduction

These Terms and Conditions ("Terms") govern your use of Toaver, provided by Chartbuddy B.V. ("Toaver," "we," "us," or "our").

1.1 The services

In these Terms, "Services" means the Toaver desktop application for macOS and Windows, which works with files on your device, Google Slides™ and Google Docs™, and third-party data sources ("connectors"), and includes an AI assistant, Toaver AI, together with our website, documentation, and updates that support it.

Third-party products you use alongside the Services, including Google Workspace, Microsoft 365, AI assistants such as Claude, and services you connect to Toaver as connectors, are not part of the Services. Your use of them is governed by your agreement with that provider. We are not responsible for their availability or for changes they make to the platforms we build on.

2. Acceptance of terms

By accessing or using the Services, you confirm your agreement to these Terms. If you do not agree, you must refrain from using the Services. If you are using the Services on behalf of an organization, you confirm that you have authority to bind that organization to these Terms. These Terms may be updated as described in Section 13.3.

3. License and access

3.1 Grant of license

Subject to these Terms, we grant you a non-exclusive, non-transferable license to use the Services for your personal or internal business use.

3.2 Limitations on use

You agree not to:

• Reverse engineer, decompile, or attempt to derive source code of the Services.
• Copy, frame, mirror, or create derivative works from the Services.
• Access the Services to build a competitive product or service.
• Perform unauthorized data scraping or data extraction.
• Use the Services in violation of applicable law or these Terms.

3.3 Your files

Files you work on in Toaver are stored on your own device, in the folders you add as a workspace. Google Slides, Docs and Sheets stay in your Google account, and Toaver opens them only with your permission.

4. User accounts and security

4.1 Account creation

To use the Services, you need to create an account and provide accurate and current information.

4.2 Password and security

You are responsible for maintaining the security of your account credentials, including any tokens issued to Toaver.

5. Privacy and data collection

How we collect, use, store, and safeguard personal data is described in our Privacy Policy.

6. User conduct and responsibilities

You agree not to:

• Upload harmful, illegal, or offensive content using the Services.
• Violate any applicable laws or regulations.
• Interfere with or disrupt the operation of the Services or other users' experience.
• Get around usage limits or AI credit, or use Toaver AI in breach of our AI providers' usage policies.

7. Intellectual property

7.1 Your content

You retain all right, title, and interest in files, data, and other content you create using the Services ("Your Content"). We acquire no ownership in Your Content. We process Your Content only as necessary to provide the Services to you, as described in our Privacy Policy.

7.2 Our content

All content, branding, and software in the Services are the property of Chartbuddy B.V. and its affiliates. You may not use our intellectual property without permission, except as allowed by these Terms.

8. AI-generated content and automated access

8.1 Automated access

You may connect your own AI assistant to Toaver through the Model Context Protocol (MCP). That connection runs locally on your own device and under your control.

8.2 Toaver AI

Toaver AI is Toaver's built-in AI assistant, provided by us and paid from AI credit (Section 12.1). It sends the content it needs to our AI providers, as described in our Privacy Policy. When you ask it to, Toaver AI can create, change and overwrite files on your device, so keep copies of anything you cannot lose.

8.3 Your responsibility

You are responsible for all actions taken through the Services by an AI assistant or agent you connect, to the same extent as if you had taken those actions yourself. You are responsible for ensuring that your use of that assistant complies with your own legal and contractual obligations.

8.4 No verification of output

AI output, including that of Toaver AI, can be wrong or incomplete. We do not review, verify, or validate charts, figures, labels, text, or any other output produced with the assistance of AI. You are responsible for checking that output accurately represents your data before you rely on it, share it, or include it in a document.

8.5 Third-party AI providers

This Section 8.5 does not apply to Toaver AI. Where you use a third-party AI assistant with the Services, your prompts and the content you give that assistant are handled by its provider under your agreement with that provider. We are not a party to that agreement and are not responsible for how that provider handles your data.

9. Disclaimer of warranties

The Services are provided on an "as-is" and "as available" basis without warranties of any kind, except as required by law. We do not guarantee uninterrupted, error-free, or secure access to the Services.

10. Limitation of liability

Exclusion of Certain Damages: To the extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, or loss of profits or revenue, even if advised of the possibility, arising from:

• Access to or use of, or inability to access or use, the Services;
• Any conduct or content of any third party;
• Unauthorized access, use, or alteration of your transmissions or content.

Cap on Liability: To the extent permitted by law, our total aggregate liability for all claims under these Terms is limited to the amount you paid us for the Services during the three (3) months prior to the event giving rise to the liability.

Nothing in these Terms limits liability that cannot be excluded under applicable law, including liability for death or personal injury caused by negligence, fraud, or willful misconduct.

11. Indemnification

To the extent permitted by law, and except where you are acting as a consumer, you agree to indemnify and hold harmless Chartbuddy B.V. and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including without limitation reasonable attorney fees and costs, arising out of or in any way connected with your access to or use of the Services, your violation of these Terms, or your violation of any third-party rights.

12. Payment terms

12.1 AI credit

• Toaver AI is paid from prepaid credit, per use, at the prices shown in the app. A new account starts with €15 of free credit.
• Credit is not cash. It cannot be refunded, transferred or exchanged, except where the law requires or Section 13.2 applies.
• Credit expires after 12 months without use.

12.2 Payment currency

Payments are processed in Euros (EUR) and US Dollars (USD).

12.3 Payment processing

Payments are processed through our secure payment provider. By making a payment, you agree to our payment provider's terms and conditions and privacy policy. All payment information is encrypted and processed by our payment provider. We do not store your payment details on our servers. We keep transaction records for accounting and customer service purposes, as required by law.

12.4 Refunds

Refunds for technical issues preventing use of the Services and for billing errors are considered on a case-by-case basis. Approved refunds are processed within 5-10 business days. EU consumer cancellation rights are set out in Section 12.6.

12.5 Business information

• Company Name: Chartbuddy B.V.
• Business Registration: Registered in the Netherlands
• VAT Number: NL868554315B01
• Business Address: Rijksstraatweg 172, 3632AJ Loenen aan de Vecht, Netherlands
• Email: support@chartbuddy.io

12.6 Consumer rights

If you are a consumer in the European Union (a natural person acting for purposes outside your trade, business, or profession), you can cancel a credit purchase within 14 days. Once you use that credit, the right ends for the part you used. If you purchase for business purposes, you are not a consumer for these purposes and this right does not apply.

12.7 Delivery

Toaver is a digital service. Paid credit is available as soon as the payment succeeds.

12.8 Business customers and invoicing

If you purchase via invoice or order form, the payment terms are as stated on that invoice or order form, payment of the invoice constitutes acceptance of these Terms and our Privacy Policy, and you confirm you are purchasing for business purposes. We may suspend access for material non-payment after reasonable notice.

13. Modifications and updates

13.1 Changes to the services

We may modify the Services, including features, prices and AI models. Prices that apply to a request are those shown in the app at that time.

13.2 Discontinuation

We may discontinue Toaver or Toaver AI. We will give at least ninety (90) days' notice and refund unused paid credit.

13.3 Changes to these terms

We may update these Terms from time to time. Changes take effect when posted on this page with an updated "Last updated" date, or on a later effective date we state. Where a change materially affects your rights, we will notify account holders by email or in the product before the change takes effect.

Your continued use of the Services after the effective date of updated Terms constitutes acceptance of those Terms. If you do not agree, you must stop using the Services before that date.

14. Termination

We may suspend or terminate your access to the Services if you violate these Terms. You may also stop using the Services and ask us to close your account at any time.

On termination, you may export your account data as described in Section 15.2. Files on your own device remain yours and are unaffected.

15. Service availability

15.1 Uptime

While we strive for maximum availability, these Terms do not guarantee specific uptime percentages. Maintenance and interruptions may occur, including when Google, our AI providers or other third parties are unavailable.

15.2 Data export

While you have an account and for thirty (30) days after you close it, you may request an export of the account data we hold for you. After that period we delete this data from active systems, subject to legal holds and backup cycles.

16. Governing law and dispute resolution

These Terms are governed by the laws of the Netherlands. Any disputes will be subject to the exclusive jurisdiction of the Amsterdam District Court. Consumers keep the protection of the mandatory law of the country where they live.

17. Enterprise customers

Customers requiring a Data Processing Addendum or custom commercial terms may request these separately at legal@chartbuddy.io. Where you have executed such an agreement with Chartbuddy B.V., that agreement governs in place of conflicting provisions in these Terms.

18. Contact information

For any questions about these Terms, including data protection inquiries, contact legal@chartbuddy.io. For security issues, contact security@chartbuddy.io.