Terms of Service

Effective Date: February 27, 2026

Welcome to Gigaverse. These Terms of Service ("Terms") constitute a legally binding agreement between you and Gigaverse AI, Inc., a Delaware corporation ("Gigaverse," "we," "us," or "our") and govern your access to and use of the Gigaverse application, website at gigaverse.ai, developer APIs, and all related products and services (collectively, the "Service").

By accessing or using the Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service. You may use the Service only if you can form a binding contract with us and are not barred from receiving services under the laws of the United States or any other applicable jurisdiction.

If you are accepting these Terms on behalf of a company, organization, or other legal entity, you represent and warrant that you are authorized to bind such entity to these Terms.

1. Description of Service

Gigaverse provides a technology platform for gig economy workers and the businesses that employ them, including:

• Instant payment processing and settlement for gig workers
• Multi-platform earnings tracking and analytics dashboard
• Retirement savings tools with auto-contribution features
• AI-powered financial guidance and tax optimization tools
• Mileage and expense tracking
• Micro-investing and wealth building tools
• Developer APIs for platform integration
• Driver management and onboarding tools

We are always working to improve our Services. We reserve the right to modify, suspend, or discontinue the Service (or any part thereof), temporarily or permanently, with or without notice. You acknowledge that Gigaverse shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

2. Eligibility

You must be at least 18 years old and a legal resident of the United States to use the Service. By using the Service, you represent and warrant that you meet these requirements, that you are not barred from using the Service under any applicable law, and that you will provide accurate and complete information during registration and keep it updated.

3. Account Registration and Security

To access certain features, you must create an account ("User Account"). You are responsible for:

• Maintaining the confidentiality of your account credentials (username, password, API keys)
• All activities and actions that occur under your account, whether or not authorized by you
• Notifying us immediately at [email protected] of any unauthorized use of your account or any other breach of security
• Ensuring that all information you provide is true, accurate, current, and complete

Gigaverse will not be responsible for any losses arising from unauthorized use of your account, and you agree to indemnify and hold Gigaverse harmless for any improper, unauthorized, or illegal uses of your account.

If you provide information that is untrue, inaccurate, not current, or incomplete, or we have reasonable grounds to suspect such, we reserve the right to suspend or terminate your account and refuse any current or future use of the Service.

3a. Gigaverse PRActicle™ (Automatic Roth IRA Account Opening)

By completing the Gigaverse onboarding process and KYC (Know Your Customer) identity verification, you acknowledge and consent to the automatic opening of a Roth IRA brokerage account on your behalf through Gigaverse AI, Inc.'s FINRA/SIPC-member brokerage partner.

You understand and agree that:

• A Roth IRA brokerage account will be opened in your name through Gigaverse AI, Inc.'s brokerage partner as part of the standard Gigaverse account creation process
• You are not required to fund the Roth IRA. No contributions will be made unless you explicitly authorize them.
• You are solely responsible for determining your eligibility to contribute to a Roth IRA based on IRS income limits and other requirements
• You are solely responsible for tracking your total IRA contributions across all accounts to ensure compliance with annual contribution limits
• Gigaverse does not provide tax advice regarding Roth IRA eligibility, contribution limits, or tax implications — consult a qualified tax professional
• Your Roth IRA account is held by and subject to the terms and conditions of Gigaverse AI, Inc.'s brokerage partner, including the Brokerage Customer Agreement
• You may close the Roth IRA at any time by contacting [email protected]
• Investments in your Roth IRA are not FDIC insured, are not bank guaranteed, and may lose value
• SIPC protection applies to securities held in your brokerage account up to $500,000 (including $250,000 for cash claims). SIPC does not protect against investment losses.

For complete brokerage and investment disclosures, see our Legal Disclosures page.

4. IMPORTANT: Not Financial, Tax, or Legal Advice

GIGAVERSE AI, INC. IS NOT A REGISTERED INVESTMENT ADVISER, BROKER-DEALER, CERTIFIED PUBLIC ACCOUNTANT (CPA), TAX PREPARER, ENROLLED AGENT (EA), ATTORNEY, OR FINANCIAL PLANNER.

The Service, including but not limited to our AI Money Coach, tax optimization tools, retirement savings features, earnings projections, mileage tracking, deduction estimates, and all other financial information and tools, is provided for informational and educational purposes only. Nothing provided through the Service constitutes:

• Investment advice or a recommendation to buy, sell, or hold any security or financial product
• Tax advice, tax preparation, or tax filing services
• Legal advice of any kind
• Financial planning or personalized financial recommendations
• Accounting services or professional bookkeeping

YOU SHOULD CONSULT WITH A QUALIFIED, LICENSED PROFESSIONAL — INCLUDING A CPA OR ENROLLED AGENT FOR TAX MATTERS, A CERTIFIED FINANCIAL PLANNER™ (CFP®) OR REGISTERED INVESTMENT ADVISER (RIA) FOR INVESTMENT DECISIONS, AND A LICENSED ATTORNEY FOR LEGAL QUESTIONS — BEFORE MAKING ANY FINANCIAL, TAX, LEGAL, OR INVESTMENT DECISIONS.

All investments involve risk, including the possible loss of principal. Past performance does not guarantee future results. Any projected returns, APY rates, or estimates shown are hypothetical and not guarantees. Tax calculations, deduction estimates, and savings projections are estimates only and may differ materially from actual results. Tax laws change frequently and vary by jurisdiction.

For complete disclosures, please review our Legal Disclosures page.

5. AI-Generated Content Disclaimer

The AI Money Coach and other AI-powered features use artificial intelligence and machine learning that may produce inaccurate, incomplete, or outdated information. You acknowledge and agree that:

• AI-generated content should never be relied upon as the sole basis for any financial, tax, legal, or investment decision
• AI systems can and do make errors, and outputs may contain inaccuracies
• You use AI-generated content entirely at your own risk
• You are responsible for independently verifying any information provided by AI features
• Gigaverse expressly disclaims any liability for losses or damages arising from reliance on AI-generated content

6. Subscription Plans and Fees

Certain features of the Service require a paid subscription. By subscribing, you agree to pay the applicable fees as described at the time of purchase.

• Billing: Subscription fees are billed on a recurring basis (monthly or annually) depending on the plan you select
• Auto-renewal: Subscriptions automatically renew at the end of each billing period unless you cancel before the renewal date
• Cancellation: You may cancel at any time. Your subscription will remain active through the end of the current billing period. No prorated refunds will be issued for partial billing periods unless required by law.
• Price changes: We may change subscription fees upon 30 days' advance notice. Continued use after the price change takes effect constitutes your acceptance of the new fees.
• Taxes: Fees are exclusive of applicable taxes unless stated otherwise. You are responsible for any applicable taxes.

7. Payment Processing

By using our payment features, you authorize Gigaverse and our payment processing partners to initiate transactions on your behalf. You acknowledge that:

• Transaction times, fees, and limits may vary based on your payment method, financial institution, and other factors
• We are not responsible for delays caused by third-party financial institutions or payment networks
• "Instant" payments are subject to processing times that may vary — see our Disclosures for details
• You are responsible for maintaining sufficient funds in linked accounts for authorized transactions
• We reserve the right to refuse, delay, or reverse transactions suspected of fraud, illegality, or violation of these Terms

8. Developer API Terms

If you access the Service through our developer APIs, the following additional terms apply:

• API keys: You are responsible for safeguarding your API keys and bearer tokens. Do not share, publish, or embed keys in client-side code.
• Rate limits: You must comply with published rate limits. Exceeding rate limits may result in throttling or suspension.
• Acceptable use: You may not use the API for any purpose that is unlawful, harmful, or in violation of these Terms, or that exceeds the scope of your API access agreement.
• Data handling: You must comply with all applicable data protection laws when handling data received through our APIs.
• Attribution: Where required, you must display appropriate branding and attribution as specified in our API documentation.
• No scraping: You may not access data through any means other than the provided APIs, including crawlers, scrapers, browser plugins, or manual work.

9. Prohibited Conduct

You agree not to:

• Use the Service for any illegal purpose or in violation of any applicable laws or regulations
• Provide false, misleading, or fraudulent information
• Attempt to gain unauthorized access to any part of the Service, other users' accounts, or our systems
• Use the Service to launder money, finance terrorism, or facilitate any illegal financial activity
• Reverse-engineer, decompile, disassemble, or attempt to derive source code from the Service
• Interfere with, disrupt, or place an unreasonable load on the Service or its infrastructure
• Upload, transmit, or distribute any viruses, malware, or other harmful code
• Use any automated means (bots, scrapers, crawlers) to access the Service without our express written consent
• Circumvent, disable, or interfere with any security features of the Service
• Impersonate any person or entity or misrepresent your affiliation
• Collect or harvest any personal information of other users
• Use the Service to send unsolicited communications (spam)

10. Intellectual Property

Our Content

All text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, artwork, algorithms, computer code, including design, structure, "look and feel," and arrangement of the content (collectively, "Content") is owned, controlled, or licensed by Gigaverse and is protected by copyright, trademark, patent, trade dress, and other intellectual property laws. No part of the Service or Content may be copied, reproduced, republished, posted, publicly displayed, translated, or distributed without our prior written consent.

Your Content

Certain features allow you to upload, submit, or transmit data or content ("User Content"). You retain ownership of your User Content. By submitting User Content, you grant Gigaverse a worldwide, royalty-free, non-exclusive, transferable, sublicensable license to use, copy, process, display, and transmit your User Content as necessary to provide and improve the Service. This license ends when you delete your User Content or close your account (except for anonymized or aggregated data and copies retained for legal compliance).

Feedback

If you provide feedback, ideas, or suggestions about the Service ("Feedback"), you grant us an unrestricted, irrevocable, worldwide, royalty-free license to use, modify, and incorporate such Feedback without any obligation to you.

11. Alerts, Notifications, and Communications

By creating an account, you agree to receive transactional communications related to the Service, including security alerts, payment confirmations, account updates, and regulatory notices. These are essential to the operation of your account and cannot be opted out of while your account is active.

We may also send you marketing communications. You may opt out of marketing emails at any time using the unsubscribe link. When you access the Service through a mobile device, your carrier's messaging, data, and other rates may apply. Gigaverse and carriers are not liable for delayed or undelivered messages.

12. Referral and Promotional Programs

We may offer referral programs, promotions, or incentive programs from time to time. Participation is voluntary and subject to any additional terms we publish for such programs. We reserve the right to modify, suspend, or terminate any promotion at our sole discretion, and to withhold or revoke rewards obtained through fraud, error, or violation of these Terms.

13. Third-Party Services

The Service may integrate with or contain links to third-party websites, applications, or services. These are not under our control, and we are not responsible for their content, privacy practices, or availability. Your interactions with third-party services are governed by their own terms and policies. We encourage you to review them.

14. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

GIGAVERSE EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, ACCURACY, RELIABILITY, AVAILABILITY, AND COURSE OF DEALING OR PERFORMANCE. GIGAVERSE DOES NOT WARRANT THAT:

• THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE
• THE RESULTS OBTAINED FROM THE SERVICE WILL BE ACCURATE OR RELIABLE
• ANY ERRORS IN THE SERVICE WILL BE CORRECTED
• THE SERVICE WILL BE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS
• THE QUALITY, ACCURACY, OR COMPLETENESS OF ANY INFORMATION PROVIDED, INCLUDING TAX ESTIMATES, FINANCIAL PROJECTIONS, OR AI-GENERATED CONTENT

No advice or information, whether oral or written, obtained from Gigaverse shall create any warranty not expressly stated in these Terms. Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL GIGAVERSE, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE SERVICE.

THIS LIMITATION APPLIES WHETHER THE DAMAGES ARE BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT GIGAVERSE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

GIGAVERSE'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID GIGAVERSE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS (US $100).

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitation may not apply to you.

16. Indemnification

You agree to indemnify, defend, and hold harmless Gigaverse, its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of or access to the Service
• Your violation of these Terms
• Your violation of any applicable law or regulation
• Your violation of any rights of a third party
• Any User Content you submit or transmit through the Service
• Any financial, tax, legal, or investment decisions you make based on information from the Service

17. Binding Arbitration and Class Action Waiver

Agreement to Arbitrate

You and Gigaverse agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service (collectively, "Disputes") will be resolved through binding individual arbitration, rather than in court, except that: (1) either party may assert claims in small claims court if the claims qualify; and (2) either party may seek equitable relief in court for infringement or misuse of intellectual property rights.

Arbitration Rules

Arbitration will be conducted by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules or, if applicable, its Commercial Arbitration Rules. The arbitration will be held in Cook County, Illinois, or at another mutually agreed location, or via telephone/video conference. The arbitrator's decision will be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Class Action Waiver

YOU AND GIGAVERSE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this arbitration section shall be null and void.

Opt-Out

You may opt out of this arbitration provision by sending written notice to [email protected] within 30 days of first accepting these Terms. Your notice must include your name, address, and a clear statement that you wish to opt out of arbitration.

18. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law principles. For any disputes not subject to arbitration, you agree to submit to the exclusive jurisdiction of the state and federal courts located in Cook County, Illinois, and you waive any objections to venue or jurisdiction.

19. Termination

You may terminate your account at any time by contacting us at [email protected]. We may terminate or suspend your access to the Service at any time, with or without cause, with or without notice. Upon termination:

• Your right to use the Service immediately ceases
• We may delete your account and User Content (subject to legal retention requirements)
• Any outstanding fees owed become immediately due and payable
• Sections that by their nature should survive termination (including indemnification, limitation of liability, arbitration, intellectual property, and disclaimer of warranties) shall survive

20. General Provisions

Entire Agreement

These Terms, together with the Privacy Policy and any additional agreements you enter into with Gigaverse, constitute the entire agreement between you and Gigaverse regarding the Service and supersede all prior agreements, understandings, and communications.

Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect.

Waiver

The failure of Gigaverse to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by Gigaverse.

Assignment

You may not assign or transfer these Terms or your rights under them without our prior written consent. Gigaverse may assign these Terms without restriction, including in connection with a merger, acquisition, or sale of assets.

Force Majeure

Gigaverse shall not be liable for any failure or delay in performing its obligations under these Terms due to circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, pandemics, government actions, power failures, internet or telecommunications failures, or cyberattacks.

No Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights in any individual or entity that is not a party to these Terms.

Headings

Section headings are for convenience only and shall not affect the interpretation of these Terms.

21. Changes to Terms

We may amend these Terms at any time by posting the revised Terms on the Site. We may also provide notice of material changes via email or in-app notification. You can see when these Terms were last revised by referring to the "Effective Date" at the top. Your continued use of the Service after revised Terms are posted constitutes your acceptance of such revised Terms. If you do not agree to the revised Terms, you must stop using the Service.

22. Contact

If you have questions about these Terms, please contact us at:

Gigaverse AI, Inc., a Delaware corporation
Chicago, IL
Email: [email protected]
General support: [email protected]