1. Acceptance of Terms
By accessing or using the SignSpark AI platform ("Service"), accessible via our website or mobile application, you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.
- "Beta" Notice (Applicable May 15, 2026 – June 15, 2026): During the Beta phase, the Service is provided "AS IS" and "AS AVAILABLE" for testing purposes. We make no warranties regarding uptime, accuracy, or data preservation. We reserve the right to wipe data or reset accounts during this period.
2. Nature of Our Service (Important Disclaimers)
SignSpark AI is an informational analysis tool designed to assist consumers in understanding automotive contracts. By using this Service, you acknowledge and agree to the following:
- We Are Not Lawyers: SignSpark AI is not a law firm and does not provide legal advice. The "Contract Audits," "Risk Flags," and negotiation scripts are generated by artificial intelligence based on common patterns. They are for educational purposes only and are not a substitute for the advice of an attorney.
- We Are Not Financial Advisors: The "Fairness Score" and financial analysis provided are estimates based on market data. We do not guarantee loan approval, specific interest rates, or financial savings.
- You Make the Final Decision: You are solely responsible for verifying all terms, numbers, and clauses with the dealership before signing any binding agreement. SignSpark AI is not a party to your vehicle purchase or lease agreement.
3. User Accounts and Responsibilities
- Account Security: You are responsible for safeguarding your login credentials. You must notify us immediately of any unauthorized use of your account.
- Accuracy of Input: The accuracy of our analysis depends on the clarity of the documents you upload. You agree to review the data extracted by our AI (e.g., vehicle price, APR) and correct any errors before relying on the report.
- Prohibited Use: You may not use the Service to:
- Analyze contracts for fraudulent purposes.
- Upload documents containing illegal content or malware.
- Reverse engineer or attempt to copy our AI algorithms.
4. Payment and Subscriptions
- Free Tier: We may offer limited access to features (e.g., basic scanning) at no cost.
- Pro Services: Access to detailed "Fairness Reports," "Hidden Fee Detection," and advanced negotiation tools requires a payment (e.g., one-time fee or subscription).
- Billing: By selecting a paid service (e.g., the $89.99 Pro Upgrade), you authorize us to charge your designated payment method.
- Refunds: Due to the digital nature of our reports, all sales are final once the "Fairness Report" or analysis has been revealed to you, unless otherwise required by law.
5. Intellectual Property
- Your Data: You retain all ownership rights to the documents and personal data you upload ("User Content").
- Our Platform: SignSpark AI retains all rights, title, and interest in the Service, including our proprietary AI models, code, fairness algorithms, and the "SignSpark" brand.
6. Privacy and Data Security
Your use of the Service is also governed by our Privacy Policy, which explains how we collect, safeguard, and disclose information that results from your use of the Service.
7. Limitation of Liability
READ THIS CAREFULLY: To the maximum extent permitted by law, SignSpark AI shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation:
- Financial losses incurred from a bad vehicle purchase or lease deal.
- Errors in contract analysis (e.g., the AI failing to detect a specific fee).
- Loss of data or service interruptions.
In no event shall our total liability to you exceed the amount you paid us for the Service (e.g., $89.99) or $100, whichever is greater.
8. Indemnification
You agree to indemnify and hold harmless SignSpark AI, its employees, and partners from any claims, damages, or expenses arising out of your use of the Service or your violation of these Terms.
9. Changes to Terms
We reserve the right to modify these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. Your continued use of the Service after those revisions enables your agreement to the new terms.
10. Governing Law
These Terms shall be governed by the laws of the State of NJ, without regard to its conflict of law provisions.
11. Contact Us
If you have any questions about these Terms, please contact us at:
- Email: legal@signspark.com
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