Terms of Service

These Terms of Service (“Terms”) form a legally binding agreement between you (“you,” “your,” or “User”) and ApplyAI, operated by Vanessa Pinskyas a sole proprietor in Toronto, Ontario, Canada (“ApplyAI,” “we,” “us,” or “our”). By creating an account, checking the “I agree” box at sign-up, paying for a subscription, or using the Service in any way, you confirm that you have read, understood, and accept every provision below. If you do not agree, you may not use the Service.

1. What ApplyAI is — and is not

ApplyAI is a software-as-a-service tool that uses artificial intelligence to help students draft, review, and revise university application materials. The Service provides suggestions, critiques, and drafts. It is not:

• An admissions consultancy.
• A guarantor of admission, scholarships, or any application outcome.
• A substitute for your own work, judgment, or the academic-integrity policy of any school.
• A licensed counsellor or legal/financial advisor.

Admissions decisions are made solely by the universities you apply to. Nothing ApplyAI generates is endorsed, reviewed, or approved by any university.

2. Eligibility & account

• You must be at least 13 years old to use the Service. If you are under the age of majority where you live, you confirm a parent or legal guardian has reviewed and accepts these Terms on your behalf.
• You must provide accurate, current information when creating your account.
• You are solely responsible for keeping your password secret and for all activity under your account.
• One account per person. Account sharing or sublicensing is prohibited.
• We may refuse, suspend, or terminate accounts at our sole discretion.

3. Your content & license to ApplyAI

You retain all ownership of the text, drafts, grades, and other materials you input into the Service (“Your Content”). You grant ApplyAI a worldwide, royalty-free, non-exclusive, non-sublicensable license to host, store, transmit, display, process, and create internal derivatives of Your Content solelyfor the purpose of operating the Service for you, including transmitting Your Content to the AI providers we use (currently Google’s Gemini API).

You represent and warrant that:(a) Your Content is yours to share or you have permission from any third-party author to share it; (b) Your Content does not infringe any copyright, trademark, or other right; (c) Your Content does not violate any law; and (d) any text you submit and later represent as your own to a university complies with that university’s academic-integrity policy. You agree to indemnify ApplyAI against any claim that any of (a)–(d) is untrue.

4. AI output & academic integrity — your responsibility

ApplyAI is a writing assistant, not a ghostwriter. All output generated by the Service is provided to you as suggestion material to inform your own writing. You are solely responsible for:

• Reviewing every AI output for accuracy, originality, and tone before submitting any text to any university or other party.
• Confirming whether each university you apply to permits AI-assisted editing, drafting, or any other use of AI tools, and using the Service in compliance with those policies.
• Ensuring any text you submit accurately reflects your own ideas and experiences, and is not represented dishonestly as wholly self-authored where such representation would breach the receiving institution’s rules.
• Understanding that large language models can hallucinate, fabricate facts, produce factually inaccurate content, and produce text that resembles existing material.

You agree that ApplyAI is not liable for any consequence arising from your submission of AI-assisted content to a university or third party, including but not limited to academic-integrity investigations, rescinded admissions offers, rejected applications, plagiarism allegations, or any reputational, financial, or emotional harm.

You further agree to indemnify, defend, and hold harmlessApplyAI, its operator, contractors, affiliates, and agents from any claim, demand, loss, or damages (including reasonable legal fees) arising from your use of AI output, your breach of any university’s policy, or any allegation that submitted content misrepresents your own work.

5. Paid subscriptions, billing, and no-refund policy

• Paid plans are: Starter ($3 USD/month), Pro ($20 USD/month), and Masterclass ($55 USD/month). Subscriptions auto-renew monthly until cancelled.
• Billing is processed by Stripe, Inc. Your card data is collected and stored only by Stripe under their PCI-compliant infrastructure; ApplyAI does not see, store, or have access to your card number, CVC, or expiry.
• You may cancel at any time from the in-app billing page or directly from the Stripe customer portal. Cancellation prevents the next renewal; you keep access through the end of the period you have already paid for.
• ALL PURCHASES ARE FINAL AND NON-REFUNDABLE.ApplyAI does not issue refunds, credits, or compensation for any reason, including without limitation: unused capacity, dissatisfaction with output quality, partial-month cancellations, service interruptions, technical issues, AI-provider downtime, application outcomes, or change of mind. By paying, you acknowledge that the Service’s monthly caps, feature set, and 50% donation commitment are fully disclosed before purchase and that these disclosures replace any expectation of refund.
• Maximum financial remedy: If, despite this no-refund policy, a refund is ordered by a competent legal authority or chargeback adjudicator, the total amount refundable to you under any circumstance shall not exceed the total amount you actually paid ApplyAI in the twelve (12) months immediately preceding the claim. ApplyAI shall never owe you more than you paid.
• Chargeback abuse: Initiating a chargeback in lieu of using the in-app cancellation flow is grounds for immediate account termination, recovery of reasonable processing fees, and a permanent ban from future use of the Service.
• Promotional codes, free-month coupons, and discounts are subject to the conditions set per code. We may revoke any promotional code at our sole discretion if abused.
• Price changes: We will email active subscribers at least fourteen (14) days before any price increase. You may cancel before the new price takes effect. Continued subscription after a notice constitutes acceptance.
• Free preview:Every new account receives the Starter feature set on signup so you may evaluate the Service before paying. This is the only trial ApplyAI offers; it replaces any “trial” or “refund window” offered by consumer-protection statutes to the maximum extent allowed by applicable law.

6. Acceptable use

You will not, and will not attempt to:

• Use the Service for any unlawful, harassing, defamatory, or fraudulent purpose.
• Reverse-engineer, decompile, scrape, or mirror the Service or its outputs.
• Bypass, automate, or attempt to circumvent quota, rate-limit, or anti-abuse mechanisms.
• Resell, sublicense, white-label, or redistribute access to the Service.
• Submit content you do not have the right to submit, or generate content that infringes another party’s intellectual property.
• Use the Service to generate content that violates any university’s academic-integrity policy and represent that content dishonestly.
• Train, fine-tune, or benchmark a competing AI product using the Service’s outputs.

Violation may result in immediate suspension or termination, with no refund and no obligation to preserve Your Content.

7. The 50% Promise

ApplyAI commits to directing fifty percent (50%) of net subscription revenue, averaged over each calendar quarter, to funding free Starter, Pro, or Masterclass seats for low-income students. We verify need on a trust-first basis. We publish quarterly transparency reports summarising seats funded. The 50% Promise is a commitment, not a contract for the benefit of any third party; no individual user has a right to compel a specific allocation.

8. Disclaimer of warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, APPLYAI DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE. APPLYAI MAKES NO WARRANTY THAT AI OUTPUT WILL BE ACCURATE, ORIGINAL, OR FREE OF FACTUAL ERRORS.

9. Limitation of liability — read carefully

TO THE FULLEST EXTENT PERMITTED BY LAW, APPLYAI’S AGGREGATE LIABILITY TO YOU FOR ANY AND ALL CLAIMS, ACTIONS, OR CAUSES OF ACTION ARISING OUT OF OR RELATING TO THE SERVICE, THESE TERMS, OR YOUR USE OR INABILITY TO USE THE SERVICE — WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY — SHALL NOT EXCEED THE LESSER OF: (A) THE TOTAL AMOUNT YOU ACTUALLY PAID APPLYAI IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100 USD).

IN NO EVENT shall ApplyAI, its operator, contractors, agents, or affiliates be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages of any kind, including without limitation: lost admissions, rescinded acceptances, missed deadlines, lost scholarships, lost opportunities, lost revenue, lost data, emotional distress, reputational harm, or academic-integrity consequences — even if ApplyAI has been advised of the possibility of such damages.

Some jurisdictions do not allow the exclusion or limitation of certain damages. To the extent such exclusions or limitations are not enforceable, ApplyAI’s liability shall be limited to the maximum extent permitted by law.

10. Indemnification

You agree to defend, indemnify, and hold harmless ApplyAI, Vanessa Pinsky, and any affiliated contractors or contributors from and against any and all claims, damages, obligations, losses, liabilities, costs, debts, and expenses (including but not limited to reasonable attorneys’ fees) arising from: (i) your use of and access to the Service; (ii) your violation of any term of these Terms; (iii) your violation of any third-party right, including without limitation any copyright, property, or privacy right; (iv) any claim that Your Content caused damage to a third party or violated any university’s academic-integrity policy; or (v) any allegation of academic dishonesty, plagiarism, or fraud connected to your submission of AI-assisted material.

11. Dispute resolution & class-action waiver

You and ApplyAI agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall first be addressed by good-faith negotiation between the parties for at least thirty (30) days before either party initiates formal proceedings. If informal resolution fails, disputes will be resolved exclusively in the courts of the City of Toronto, Province of Ontario, Canada.

Class-action waiver: To the fullest extent permitted by law, you agree that any dispute will be brought in your individual capacity only, and not as a plaintiff or class member in any purported class, consolidated, or representative action. You waive the right to a jury trial in any such proceeding to the extent allowed by law.

12. Termination

You may terminate your account at any time by emailing us or using the in-app option. We may suspend or terminate your access at any time, with or without notice, for any reason, including violation of these Terms. Upon termination: (a) your right to use the Service ends immediately; (b) we may delete Your Content within thirty (30) days except as required to retain by law (e.g., Stripe transaction records); (c) provisions of Sections 3, 4, 5, 8, 9, 10, 11, 13, 14, and 15 survive termination.

13. Governing law

These Terms are governed by the laws of the Province of Ontario, Canada, and the federal laws of Canada applicable therein, without regard to conflict-of-law principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

14. Severability & entire agreement

If any provision of these Terms is held unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect, and the unenforceable provision shall be modified to the minimum extent necessary to render it enforceable while preserving its intent. These Terms, together with the Privacy Policy, constitute the entire agreement between you and ApplyAI with respect to the Service and supersede any prior or contemporaneous communications, representations, or agreements, whether oral or written.

15. Changes to these Terms

We may modify these Terms at any time. For material changes, we will email active users at least seven (7) days before the change takes effect and post the updated version with a new “Last updated” date. Continued use of the Service after a change takes effect constitutes acceptance of the new Terms. If you do not agree to a change, you must stop using the Service before the change takes effect; continued use waives any objection.

16. Contact

For any question, dispute, or notice regarding these Terms, contact aidan.sugarman@gmail.com. Notices to ApplyAI must be sent to this address; notices to you may be sent to the email associated with your account.