Terms of Service

Last updated: January 11, 2026

Welcome to Dusk AI. Before using the services of Dusk AI Inc. ("Company", "we", "us", or "our"), please read and agree to these Terms of Service ("Terms"). By accessing or using the services of Dusk AI, accessible at https://duskai.app, you agree to be bound by these Terms, forming a legal agreement. If you disagree with any part of these Terms, please refrain from using our services.

Please also review our Privacy Policy to understand how we collect, use, and share information.

1. Definitions

  • Service: The Dusk AI website, applications, and all offerings, including AI-powered features, financial planning tools, and related services.
  • Account: A unique account created for you to access our Service or parts of it.
  • Subscription: The services or access to the Service offered on a subscription basis by us to you.
  • Free Trial: A limited period that may be free when purchasing a Subscription.
  • AI Credits: Units of consumption used when interacting with our AI assistant and AI-powered features.
  • Content: All information, data, text, photographs, videos, audio clips, written posts, financial projections, AI-generated responses, and other materials generated, provided, or otherwise made accessible on or through the Service.
  • Company: Refers to Dusk AI Inc.

Note: These Terms apply to all users, including both visitors and registered users of the Service.

2. Account and Subscription Terms

Account Creation

You must provide accurate, complete, and current information when creating an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You may not share your account login information or make your account available to anyone else.

Subscription Details

Subscriptions are billed in advance and automatically renew unless canceled. The content, features, and services provided as part of your subscription will be described during the order process.

Free Trial Terms

Free trials are offered at our discretion and are limited to one per user. Billing will begin automatically at the end of the trial period unless canceled before the trial ends.

AI Interactions

AI interactions are tracked when you use AI-powered features such as the AI assistant, what-if simulations, chart generation, and personalized recommendations. Interaction limits are based on your subscription plan and reset on a rolling window basis. You can upgrade your plan to get higher interaction limits if needed.

Cancellation Policy

Subscriptions can be canceled any time via account settings or by contacting us at support@duskai.app. To avoid renewal charges, you must cancel at least 24 hours before the end of your current billing period. Upon cancellation, you will retain access to premium features until the end of your current billing period.

Refunds

While refunds are not guaranteed, we handle refund requests on a case-by-case basis. Your satisfaction is important to us, so please contact support@duskai.app for any refund inquiries. No refunds will be provided for partial periods after cancellation.

Fee Changes

We reserve the right to change subscription fees with at least 30 days' notice before the changes take effect for your next billing period.

3. AI Features and Usage

AI-Powered Services

Dusk AI provides AI-powered features including but not limited to:

  • AI financial assistant that can answer questions about your financial scenarios
  • What-if simulations and scenario analysis
  • Automated chart generation and data visualization
  • Personalized financial recommendations and insights
  • Natural language processing for financial planning queries

AI-Generated Content

You acknowledge and agree that:

  • AI-generated responses, analyses, and recommendations are provided for informational and educational purposes only
  • AI-generated content may contain inaccuracies, errors, or incomplete information
  • You should not rely on any AI-generated outputs without independently verifying their accuracy
  • AI responses are based on the information you provide and may not account for all relevant factors
  • AI technology is continuously evolving and responses may vary over time

Inputs and Outputs

You are responsible for all inputs you submit to our AI services. By submitting inputs, you represent that you have all necessary rights and permissions to do so. You retain ownership of the content you create using our Services, but grant Dusk AI Inc. a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, translate, and distribute such content in connection with providing and improving our Services.

AI Model Training

We may use anonymized and aggregated inputs and outputs to improve our Services. We will not train our AI models on your non-public materials without your explicit consent. Your conversations and inputs remain private and are not shared with third parties for marketing purposes.

Prohibited AI Uses

You must not:

  • Use our Services to develop or train competitive AI models or systems that compete with Dusk AI Inc.
  • Attempt to reverse engineer, decompile, or otherwise try to extract the source code or underlying algorithms of our AI Services
  • Use automated means, including bots, scrapers, or spiders, to access or gather data from the Service without prior permission
  • Use our AI services to generate content that promotes hate speech, discrimination, violence, illegal activities, or harm to individuals or groups

4. Intellectual Property Rights

User Content

You retain ownership of your content but must adhere to legal and ethical standards. You grant Dusk AI Inc. a nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such content throughout the world in any media.

Company Rights

Dusk AI Inc. retains all rights to the Service's original content, including but not limited to software, algorithms, AI models, user interfaces, designs, text, graphics, and other materials. Unauthorized use is prohibited. You may not use Dusk AI Inc.'s name, logos, or trademarks without our prior written permission.

5. Responsible Use of the Service

Acceptable Use

You agree to use the Service in a lawful, ethical, and responsible manner, and comply with all applicable laws and regulations.

Account Security

You are responsible for the security of your account and must report any unauthorized access promptly. You are responsible for maintaining the confidentiality of your account information, ensuring the accuracy of the information you provide or enter into the Service, and for all activities that occur under your account.

Prohibited Conduct

In using the Service, you agree not to:

  • Engage in any activities that are illegal, fraudulent, or deceptive
  • Transmit or upload harmful code or software, such as viruses, trojans, or worms
  • Harass, threaten, or harm any individual or entity, including other users
  • Post or transmit content that is abusive, defamatory, obscene, infringing, or otherwise objectionable
  • Attempt unauthorized access to other users' accounts or to the Service's backend systems
  • Copy, modify, distribute, sell, or lease any part of the Service, or include it in your own service or product
  • Overburden or impair the functioning of the Service or our servers
  • Use the Service for any form of spamming or unsolicited communications
  • Misrepresent your identity or affiliation with any person or organization
  • Engage in any activity that interferes with or disrupts the Service or the servers and networks connected to the Service
  • Republish, sell, rent or sub-license material from the Service
  • Use the Service in any way that is, or may be, damaging to the Service or to any person or business entity
  • Engage in data mining, data harvesting, data extracting, or any other similar activity in relation to the Service
  • Use the Service to engage in any advertising or marketing without our express written consent

6. No Financial Advice Provided

Educational and Informational Purposes Only

The content and tools provided through Dusk AI, including AI-generated responses, financial projections, calculators, and simulations, are for educational and informational purposes only and are not intended as, nor should they be understood or construed as, financial, tax, legal, or investment advice.

Consult Professionals

We strongly recommend consulting with qualified financial services professionals, tax advisors, and legal counsel who have a fiduciary relationship with you before making any financial, investment, or tax decisions. Dusk AI is not a registered investment advisor, financial planner, or tax professional.

Limitation on Use of Information

The content and tools provided through Dusk AI, including any calculators, projections, and AI-generated analyses, are for initial planning and informational purposes only. They are not intended to provide a comprehensive financial plan. We strongly recommend consulting with financial services professionals for a complete financial plan and personalized advice tailored to your specific circumstances.

No Guarantee of Results

Past performance and projections are not indicative of future results. Financial markets are subject to volatility and uncertainty. Any projections, simulations, or analyses provided by Dusk AI are estimates based on assumptions and should not be relied upon as guarantees of future performance.

7. Disclaimers and Limitations of Liability

Service "As Is"

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TITLE, AND NON-INFRINGEMENT.

AI Service Disclaimers

DUSK AI PROVIDES AI-POWERED SERVICES WITHOUT WARRANTIES OF ANY KIND. AI-GENERATED CONTENT MAY CONTAIN INACCURACIES OR ERRORS. DUSK AI INC. IS NOT RESPONSIBLE FOR ANY WAY THE USER USES THE RESPONSES OR OUTPUTS GENERATED BY OUR AI SERVICES. THE USER ACKNOWLEDGES THAT AI-GENERATED CONTENT MAY CONTAIN INACCURACIES OR ERRORS AND AGREES TO INDEPENDENTLY VERIFY ANY INFORMATION BEFORE RELYING ON IT.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, DUSK AI INC., ITS PARENT COMPANY, AFFILIATES, AND SUBSIDIARIES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM YOUR ACCESS TO OR USE OF THE SERVICES.

Notwithstanding any damages that you might incur, the total liability of the Company under any provision of these Terms and your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by you through the Service, with a maximum liability cap of 100 USD for users who have not made any purchases through the Service.

Service Availability

While we strive to ensure the Service is always accessible, we do not guarantee uninterrupted or error-free access and will not be liable for any inability to access the Service. The Service may be temporarily unavailable due to maintenance, updates, or other factors beyond our control.

Changes to Service

The Company reserves the right to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. Significant changes will be communicated to users through email or notification on the website.

Third-Party Services

Dusk AI is not responsible for the content, policies, or activities of third-party services linked or integrated with our Service. Use of third-party services is at your own risk and governed by their terms and policies.

8. Age Restriction

You affirm that you are at least 18 years of age to use our Services. If you are under 18 years of age, you are not permitted to use our Services unless you have obtained verifiable consent from a parent or legal guardian. The Service is not intended for children under 18.

9. Indemnification

You agree to indemnify, defend, and hold harmless Dusk AI Inc. and its affiliates, officers, agents, and employees from and against any and all claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees and costs, arising out of or in any way connected with:

  • Your access to or use of the Service
  • Your breach of these Terms
  • Your violation of any third-party right, including without limitation any intellectual property right, publicity, confidentiality, property, or privacy right
  • Any claim that your content caused damage to a third party
  • Your use of AI-generated outputs or recommendations from our Services

This indemnification obligation will survive the termination or expiration of these Terms and your use of the Service. We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims.

10. Data Protection Commitment

We retain data only as necessary for providing our services and as required by law. Data may be transferred across state or national borders for processing, in compliance with applicable laws.

We are committed to continuously improving our practices to enhance user privacy and data security. We do not use user data to train our AI models without explicit consent. Your conversations and inputs remain private and are not shared with third parties for marketing purposes.

Users are encouraged to review our Privacy Policy to understand how we handle and protect their personal data.

11. User Feedback

Any feedback or suggestions submitted to Dusk AI become the property of the Company, and we reserve the right to use this feedback without any obligation to the user.

If you provide Feedback, you grant us a perpetual, irrevocable, non-exclusive, royalty-free, transferable, sublicensable, worldwide license to use, reproduce, modify, create derivative works from, distribute, and display that Feedback for any purpose without compensation to you.

If you post content on community forums or other public areas of the Service, you are solely responsible for the content of these postings. Dusk AI is not responsible for the consequences of any communications or content in these public areas.

12. Termination of Services

Termination by Company

We reserve the right to terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms, engage in illegal activities, or fail to comply with our policies.

Termination by User

You may terminate your use of the Service at any time via your account settings or by contacting us at support@duskai.app.

Effect of Termination

Upon termination, your right to use the Service will immediately cease. If we terminate your access due to a violation of these Terms and you have a subscription, you will not be entitled to any refund. We may terminate your account if you have been inactive for over a year and do not have a paid account, with notice provided before doing so.

13. Force Majeure

The Company shall not be liable for any failure to perform its obligations where such failure results from any cause beyond the Company's reasonable control, including, but not limited to, natural disasters, acts of government, technological failures, or other unforeseeable events.

14. Changes to These Terms

We may update these Terms periodically. Significant changes to the Terms will be communicated to users through email or notification on the website. Your continued use of the Service after such notifications signifies acceptance of the new Terms.

We reserve the right to modify these Terms to comply with any applicable laws and regulations, or to enhance user protections or service functionality. Any such changes will be communicated as outlined in this section.

15. Severability

If any part of these Terms is determined to be invalid or unenforceable pursuant to applicable law, the remainder of the Terms shall continue in effect. These Terms and Conditions may have been translated if We have made them available to You on our Service. You agree that the original English text shall prevail in the case of a dispute.

16. Entire Agreement

These Terms constitute the entire agreement between you and Dusk AI Inc. and govern your use of the Service, superseding any prior agreements between you and the Company.

17. Legal and Governing Law

Governing Law

These Terms will be governed by and construed in accordance with the laws of Canada, without regard to its conflict of law provisions.

Dispute Resolution

Our aim is to resolve disputes amicably. In the event of a dispute, users are encouraged to contact us first to seek a resolution. If the dispute cannot be resolved internally, legal proceedings may follow. Any disputes arising from these Terms or your use of our Services will be resolved exclusively in the courts located in Canada.

Canadian Regulatory Compliance

As a Canadian company, Dusk AI Inc. complies with all applicable Canadian laws and regulations, including but not limited to the Personal Information Protection and Electronic Documents Act (PIPEDA). Users from Quebec should note that where required by law, French language versions of our terms will be made available.

United States Legal Compliance

You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a 'terrorist supporting' country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.

18. Contact Information

For Assistance: If you have any questions, concerns, or require support, please reach out to us at support@duskai.app.

For immediate assistance or FAQs, visit our Help Center or Contact page.

Thank you for choosing Dusk AI!