Terms of Service

1. What Marginlabs AI is

Marginlabs AI is an AI Leverage Platform built for accountants and Financial Analysts, with productivity as the outcome. It provides practical usage guides, AI Leverage Tools and - on eligible plans - special requests and intelligent features that adapt to your finance context, to help you get more from AI in your day-to-day work.

Marginlabs AI is not an AI model provider and is not a replacement for any AI assistant. ChatGPT, Claude, Gemini, Microsoft Copilot and other AI product names belong to their respective owners. Marginlabs AI is independent and is not affiliated with or endorsed by them.

2. Your account

• You must give accurate details and keep your password private. You are responsible for activity on your account.
• You must be at least 18 years old, or have the permission of a parent or guardian, to use Marginlabs AI.
• Tell us promptly if you think someone else has used your account.

3. Plans and billing

• Plans and prices are shown on our pricing section and your Plans page, in US dollars. Payments are charged in Kenya shillings (KES) at the exchange rate we set at the time, shown at checkout. Starter is free and includes a curated sample of up to 6 practical usage guides and up to 6 AI Skills. Pro is a one-time annual payment of $497 and includes the full library of practical usage guides, advanced AI Leverage Tools and special requests.
• Pro is billed once per year. Each payment buys 12 months of access to the plan you paid for. There is no automatic renewal: when your access ends, you pay again from Billing if you want to continue.
• Starter is free, never expires, and is designed to capture your details so the team can introduce you to Pro. It is not a trial of Pro - the free library is intentionally limited to a small sample.
• Payments are collected by Grande Akanda Technologies, the company that owns Marginlabs AI, and processed by Paystack. We do not see or store your card details. We keep a record of each payment (reference, amount, status and date).
• Your Pro plan becomes active when Paystack confirms the payment. If a payment fails or is cancelled, nothing is charged and your access does not change.
• If you think you have been charged in error, reply to any email we have sent you and include your payment reference.
• We may change prices or plans. A change will not affect an access period you have already paid for.

4. Using AI features responsibly in finance

• AI output can be wrong, incomplete or out of date. You are responsible for reviewing it for accuracy, completeness, confidentiality and suitability before you use or share it, and for ensuring it meets the professional and regulatory standards that apply to your work.
• Do not enter confidential, personal, regulated, client or proprietary information unless you are authorised to do so. Text you submit to intelligent features is sent to third-party AI model providers to produce a result. See our Privacy Policy.
• Marginlabs AI does not give accounting, audit, tax, investment, legal or other professional advice. It is a productivity tool, not a substitute for your professional judgement or for any regulated service.
• You remain responsible for the work you produce with the help of Marginlabs AI, including any deliverable shared with clients, auditors, regulators, management or other stakeholders.

5. Acceptable use

You agree not to:

• break the law, your professional body’s rules, or anyone’s rights;
• upload content you have no right to use, or content that is harmful or malicious;
• use Marginlabs AI to misrepresent AI-generated work as your own independent professional judgement, or to produce misleading financial information;
• attempt to disrupt, probe or gain unauthorised access to the service, or to bypass plan limits or usage limits;
• share your account, or resell or copy the service or its content.

We may limit, suspend or end access if these terms are broken.

6. Your content and our content

You keep ownership of the prompts, workpapers, templates and other content you create. You give us permission to process it only as needed to run the service for you.

Marginlabs AI, its guides, course materials, templates, design and software belong to us or our licensors. You may use them for your own learning and work while you have access, but you may not copy or redistribute them.

7. Availability and changes

We work to keep Marginlabs AI available but do not promise it will always be uninterrupted or error free. We may improve, change or remove features. Features that are frozen or retired are no longer available.

8. Liability

Marginlabs AI is provided “as is”. To the extent the law allows, we are not liable for indirect or consequential loss, or for loss arising from your reliance on AI output, including any financial loss, regulatory breach, restatement or audit finding. Our total liability for any claim is limited to the amount you paid us in the three months before the claim. Nothing in these terms limits liability that cannot be limited by law.

9. Ending your account

You can stop using Marginlabs AI at any time and may ask us to delete your account by replying to any email we have sent you. We may suspend or end an account that breaks these terms.

10. Changes to these terms

We may update these terms. The date above shows the latest version. Continuing to use Marginlabs AI after a change means you accept it.

11. Governing law and contact

These terms are governed by the laws of Kenya, and the courts of Kenya have jurisdiction, unless the law where you live gives you rights that cannot be waived. For questions about these terms, reply to any email we send you.