CashGPT — Terms of Service
Last Updated: [INSERT EFFECTIVE DATE]
Welcome, and thank you for your interest in CashGPT.
CashGPT is a rewarded AI chat application owned and operated by Mode Mobile, LLC (together with any affiliates, the “Company,” “CashGPT,” “we,” “us,” or “our”). These Terms of Service (“Terms”) apply to the CashGPT application and to all features, services, and other functionalities available via or related to CashGPT (collectively, the “Service”). These Terms constitute a binding contract between you, an individual user (“you”), and the Company governing your use of the Service.
BY ACCESSING OR USING THE SERVICE, YOU AGREE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, THEN YOU MUST NOT ACCESS OR USE THE SERVICE.
Material Terms. As provided in greater detail in these Terms (and without limiting the express language of these Terms), you acknowledge the following:
The Service is licensed, not sold, to you, and you may use the Service only as set forth in these Terms;
Use of the Service may be subject to separate third-party terms and fees, including your mobile carrier’s terms and data usage fees, which are your sole responsibility;
You consent to the collection, use, and disclosure of your information in accordance with the CashGPT Privacy Policy (“Privacy Policy”);
CashGPT Points are a limited license, are not currency, have no cash value, and are not your property, as described in Section 5;
Cashing out CashGPT Points requires identity verification, which may include a facial liveness scan, as described in Section 5.4 and in the Privacy Policy;
The AI chat responses generated by the Service are provided for informational and entertainment purposes only and do not constitute professional, financial, legal, medical, or any other form of licensed advice;
The Service is provided “AS IS” without warranties of any kind, and the Company’s liability to you is limited;
We will resolve disputes arising under these Terms through binding arbitration. By accepting these Terms, as provided in Section 15, you and the Company are each waiving the right to a trial by jury or to participate in a class action; and
The Service is currently available in the United States only.
1. General Terms and Conditions
1.1 Service Description.
The “Service” consists of the CashGPT mobile application and all related online properties provided by the Company, as each may be updated or modified from time to time. The Service enables registered users (“Users”) to engage with an AI-powered chat assistant and earn reward credits (“CashGPT Points”) by using the Service. Users may redeem Points for cash payouts through supported methods, subject to these Terms. The AI assistant is powered by third-party artificial intelligence technology (currently Google Gemini) and generates responses based on your inputs.
1.2 Changes to these Terms.
The Company may change these Terms at any time. The Company will endeavor to provide prior notice of material changes. The revised Terms will become effective at the time of posting, and your continued use of the Service after such time constitutes your acceptance. If any change is not acceptable to you, your sole remedy is to stop using the Service and delete your Account.
1.3 Consideration.
The Company provides you with access to the Service for free. In return, you acknowledge and agree that the Company may generate revenues from your use of the Service, including through advertising, data analytics, and AI improvement, and you will have no right to share in any such revenues except through the Points program described in Section 5.
1.4 Privacy Policy.
Your use of the Service is subject to the CashGPT Privacy Policy, which is incorporated into these Terms by reference.
1.5 Eligibility.
THE SERVICE IS NOT FOR PERSONS UNDER THE AGE OF 18. By using the Service, you affirm that you are at least 18 years of age, that you are located in the United States, and that you have not previously been suspended or removed from the Service. Only one Account per person is permitted.
1.6 Jurisdictional Issues.
The Service is currently offered only to users located in the United States. The Company may use technical measures, including geolocation, to restrict access from outside the United States.
2. Registration, Accounts, and Security
2.1 Sign-In Methods.
You may create an Account by signing in with your Apple ID (“Sign in with Apple”) or your Google account (“Sign in with Google”). These are the only supported sign-in methods at launch. Your email address serves as the primary identifier for your Account. You will be asked to confirm your email address before claiming your first reward. A separate password is optional.
2.2 Account Accuracy.
You are responsible for providing accurate information and for keeping your Account information current. If you provide information that is untrue, inaccurate, or incomplete, we may terminate your Account.
2.3 Account Security.
You are responsible for all activity that occurs under your Account. You agree to notify us immediately of any unauthorized use of your Account at legal@modemobile.com. We reserve the right to suspend or terminate your Account if we believe activities violate these Terms or involve fraud, abuse, or policy violations.
3. AI Chat — Important Limitations and User Responsibilities
3.1 AI-Generated Content.
The chat responses provided by the Service are generated by an artificial intelligence system (currently Google Gemini) and are provided for informational and general entertainment purposes only. AI-generated responses may be inaccurate, incomplete, outdated, or inappropriate. You should not rely on AI-generated responses as a substitute for professional advice in any field, including without limitation:
Financial, investment, or tax advice;
Legal advice;
Medical, health, or clinical advice;
Mental health or crisis support; or
Any other field requiring licensed professional expertise.
ALWAYS CONSULT A QUALIFIED PROFESSIONAL FOR IMPORTANT DECISIONS. NEVER DELAY OR DISREGARD PROFESSIONAL ADVICE BECAUSE OF SOMETHING YOU READ IN THE SERVICE.
3.2 Your Inputs.
You are solely responsible for the content of your chat inputs. You agree not to submit inputs that are illegal, harmful, harassing, defamatory, infringing, or otherwise objectionable. Do not share sensitive personal information, financial account credentials, passwords, or health information in your chat messages. Currently, chat content is not stored after your session ends; however, we intend in the future to store chat history for the purpose of providing memory and personalization features, as described in our Privacy Policy.
3.3 Third-Party AI Provider.
The AI functionality is provided by Google Gemini. Your chat inputs are sent to Google’s servers for processing. Google’s use of data submitted through the API is governed by Google’s terms and policies. We do not guarantee the accuracy, safety, or availability of Google Gemini’s responses at any time.
3.4 No Crisis Support.
THE SERVICE IS NOT A CRISIS RESOURCE AND IS NOT DESIGNED OR EQUIPPED TO HANDLE MENTAL HEALTH EMERGENCIES, SUICIDAL IDEATION, OR SIMILAR SITUATIONS. IF YOU OR SOMEONE YOU KNOW IS IN CRISIS, PLEASE CONTACT THE 988 SUICIDE AND CRISIS LIFELINE BY CALLING OR TEXTING 988, OR CONTACT EMERGENCY SERVICES.
4. Your Responsibilities
You may use the Service solely for lawful purposes and only as permitted by these Terms. Without limiting the foregoing, you agree that you will not:
Use the Service for any illegal purpose or in violation of any applicable law;
Create Accounts by automated means or create more than one Account;
Use any robot, script, automation, or other tool to generate chat messages, earn Points, or otherwise interact with the Service artificially;
Attempt to circumvent identity verification, fraud prevention, or account controls;
Use a VPN, proxy, or location-spoofing technology to misrepresent your location or identity;
Submit false, abusive, harassing, defamatory, or unlawful chat inputs;
Attempt to probe, scan, or exploit any system or network used by the Service;
Use the Service to build a competing product or service; or
Violate any applicable law or assist any person in the activities above.
5. CashGPT Points
5.1 Introduction; Not Currency.
CashGPT Points (“Points”) are a limited license granted by the Company to you in exchange for your eligible use of the Service. Points are not money, are not legal tender, do not have an equivalent value in fiat currency, do not earn interest, and are not your property. When you earn Points, you obtain a limited, revocable, non-exclusive, non-transferable right and license to use those Points solely within the Service and solely as permitted by the Company. Points have no value except as a mechanism for potential redemption within the Service as described herein.
5.2 Earning Points.
You may earn Points by engaging in eligible AI chat sessions through the Service. The Company determines in its sole discretion which activities are eligible, the number of Points awarded per activity, and the rate at which Points are awarded, all of which may change at any time without notice.
5.3 Redemption; Identity Verification.
Subject to these Terms, the Company may offer you the opportunity to redeem Points for cash payouts via supported methods, currently including PayPal. The availability of redemption methods, minimum redemption amounts, and exchange rates are determined by the Company in its sole discretion and are shown in the Service at the time of redemption.
Identity Verification at Redemption. To detect and prevent fraud and account duplication, the Company requires identity verification before processing any payout. Verification is performed using our third-party verification provider, Verisoul, and may include a facial liveness scan. If you do not complete verification, or if verification indicates fraud or duplication, we may decline, delay, or reverse a redemption and may suspend or terminate your Account.
5.4 Taxes.
You are solely responsible for all tax obligations arising from Points you redeem. Where required by law, the Company will request tax information from you (for example, IRS Form W-9) and will report payouts and issue IRS Form 1099 or other applicable tax forms when required. You agree to provide accurate tax information upon request.
5.5 Expiration and Inactive Accounts.
Points expire on a rolling basis one (1) year after the date on which they are deposited into your Account, except where prohibited by applicable law. We may also deem an Account inactive and close it if it has not been accessed for twelve (12) months or more, without compensation to you.
5.6 Reserved Rights.
The Company may impose limits on the earning, holding, and redemption of Points. Except as prohibited by applicable law, the Company reserves the right, in its sole discretion, to modify, suspend, revoke, reverse, or forfeit Points associated with any violation of these Terms or any fraudulent, deceptive, or abusive activity, without notice, refund, compensation, or liability to you.
6. Advertising
The Service displays advertisements served by third-party advertising SDKs. By using the Service, you consent to the display of such advertisements. Advertising partners and their SDKs may collect your mobile advertising identifier and similar information to deliver relevant ads and measure ad performance. On iOS, you will be shown Apple’s App Tracking Transparency prompt before any cross-app tracking occurs. You may limit ad tracking through your device settings. We do not sell your personal information to advertisers directly, but certain disclosures to advertising partners may constitute a “sale” or “sharing” of personal information under the CCPA/CPRA, as described in the Privacy Policy.
7. Intellectual Property
7.1 Proprietary Materials.
The Service and all content, features, and functionality thereof (including but not limited to software, text, graphics, logos, and designs) are owned by the Company or its licensors and are protected by applicable intellectual property laws. The Service is licensed to you, not sold.
7.2 License.
Subject to your complete and ongoing compliance with these Terms, the Company grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service solely for your personal, non-commercial use.
7.3 AI Output.
AI-generated responses produced during your use of the Service are provided for your personal use only. You may not represent AI-generated content as your own original work in any commercial or professional context, and you assume all responsibility for how you use AI-generated content.
8. Consent to Electronic Communications
By using the Service, you agree that we may communicate with you electronically regarding your Account, security, privacy, and administrative matters. If we learn of a security breach, we may notify you electronically.
9. Term and Termination
9.1 Term.
These Terms commence when you first access or use the Service and continue until terminated.
9.2 Termination.
The Company may terminate your Account at any time for a breach of these Terms, with or without notice. You may delete your Account at any time through the in-app settings.
9.3 Effect of Termination.
Upon termination, you will forfeit any earned but unredeemed Points, except as required by applicable law. Sections 4, 5.6, 7, 10, 11, 13, 14, 15, and 16 survive termination.
10. Disclaimer of Warranties
TO THE FULLEST EXTENT PERMITTED BY LAW: THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITH ALL FAULTS. THE COMPANY DISCLAIMS ALL WARRANTIES OR CONDITIONS, EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. THE COMPANY DOES NOT WARRANT THAT AI-GENERATED RESPONSES WILL BE ACCURATE, COMPLETE, SAFE, OR APPROPRIATE FOR ANY PURPOSE. THE COMPANY DOES NOT WARRANT THAT THE SERVICE WILL BE SECURE, UNINTERRUPTED, OR FREE OF ERRORS. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK.
11. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW: THE AGGREGATE LIABILITY OF THE COMPANY FOR ANY DAMAGES, WHETHER ARISING IN CONTRACT, TORT, OR ANY OTHER THEORY, WILL NOT EXCEED THE TOTAL AMOUNT PAID BY THE COMPANY TO YOU PURSUANT TO THESE TERMS PRIOR TO THE EVENT GIVING RISE TO THE CLAIM. NONE OF THE COMPANY’S AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS WILL BE LIABLE FOR ANY PUNITIVE, SPECIAL, INDIRECT, OR CONSEQUENTIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOU EXPRESSLY WAIVE AND RELEASE ALL CLAIMS AGAINST THE COMPANY FOR RELIANCE ON AI-GENERATED CONTENT.
12. Indemnification
To the fullest extent permitted by law, you will defend, indemnify, and hold the Company and its affiliates, officers, directors, employees, and agents harmless from any loss, damage, claim, or expense (including reasonable attorneys’ fees) arising from: (i) your breach of these Terms; (ii) your use of the Service; (iii) your chat inputs or any content you submit; or (iv) your violation of any applicable law.
13. Third Party Services
THE SERVICE INTEGRATES THIRD-PARTY SERVICES INCLUDING GOOGLE GEMINI (AI), VERISOUL (IDENTITY VERIFICATION), MIXPANEL (ANALYTICS), SINGULAR (ATTRIBUTION), PAYPAL (PAYOUTS), AND ADVERTISING SDKS. YOUR USE OF THESE THIRD-PARTY SERVICES IS SUBJECT TO THEIR RESPECTIVE TERMS AND POLICIES, AND THE COMPANY IS NOT RESPONSIBLE FOR THEIR ACTS, OMISSIONS, OR DATA PRACTICES. YOU USE ALL THIRD-PARTY SERVICES AT YOUR OWN RISK.
14. Force Majeure
The Company will not be liable for any delay or failure to perform any obligation if the delay or failure is due to events beyond its reasonable control.
15. Dispute Resolution
15.1 Binding Arbitration.
You and the Company agree that any dispute arising out of or related to these Terms or your use of the Service will be resolved by binding arbitration, not in court. This agreement to arbitrate includes all claims, whether based in contract, tort, statute, fraud, misrepresentation, or any other theory. YOU AND THE COMPANY ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.
15.2 Exceptions.
Either party may bring an individual action in small claims court, seek emergency injunctive relief in aid of arbitration, or file suit to address an intellectual property infringement claim.
15.3 AAA Rules and Settlement Floor.
Any arbitration will be governed by the AAA Commercial Dispute Resolution Procedures and Supplementary Procedures for Consumer Related Disputes, as modified by these Terms. If the arbitrator issues you an award greater than the Company’s last written settlement offer, the Company will pay you the amount of the award or $15,000, whichever is greater. Arbitration will occur in Chicago, Illinois, or by telephone or video conference at your option.
15.4 No Class Actions.
YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE PROCEEDING.
16. Governing Law; Miscellaneous
16.1 Governing Law. These Terms are governed by the laws of the State of Delaware, without regard to conflict of laws principles.
16.2 Entire Agreement. These Terms and the Privacy Policy constitute the entire agreement between you and the Company with respect to the Service.
16.3 Severability. If any provision is held invalid or unenforceable, it will be modified or severed to the minimum extent necessary, and the remainder will remain in effect.
16.4 Assignment. You may not assign your rights under these Terms. The Company may assign its rights without restriction.
16.5 Contact. Mode Mobile, LLC, One East Erie, Suite 525, Chicago, IL 60611. Email: legal@modemobile.com.
17. Notice Regarding Apple
If you access CashGPT through the Apple App Store, Apple is not a party to these Terms and is not responsible for the Service or its content. Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the Service. To the extent any Apple App Store terms conflict with these Terms, the Apple App Store terms govern solely as to that subject matter.