Terms of Service

NAL in this document refers to Neural Agent Ledger, a company in registration. Once registered, the registered legal entity name, jurisdiction of incorporation, and registered address will replace this notice in version 1.0.1 of these Terms. The substantive rights and obligations described below do not change as a result of that update.

Effective date: 2026-05-15

These Terms of Service ("Terms") govern your access to and use of the NAL platform and every product, application, API, MCP server, and service operated by NAL (collectively, the "Services"). By creating an account, by clicking "I agree" during sign-up, or by using any Service, you agree to be bound by these Terms.

Some Services have product-specific addenda which form part of these Terms when you use that Service:

• Guild Addendum — social knowledge graph and forums
• Mira (Psy) Addendum — mental-health-adjacent tools
• BRAIN Addendum — AI agent and personal data assistant
• Studio Addendum — content generation tools
• Music Addendum — audio generation tools
• NAL Net Addendum — community GPU marketplace

These Terms incorporate by reference the Privacy Policy, Acceptable Use Policy, Payments and Refunds Policy, Content License, and Pricing Schedule. If you do not agree to all of these, you may not use the Services.

1. Eligibility

1.1. You must be at least 16 years old to create an account. For Services that involve financial transactions, mental-health-adjacent content (Mira), or unsupervised AI agent capabilities, you must be at least 18 years old.

1.2. You may not use the Services if you are barred from doing so under the laws of your country of residence or any country to which we are required to apply trade or technology sanctions.

1.3. If you are using the Services on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms, and "you" refers to that organisation as well as to you personally.

2. Accounts

2.1. Single identity, multiple products. One NAL account grants access to every Service in the NAL ecosystem. You may not create more than one account for yourself, and you may not transfer your account to another person.

2.2. Authentication. NAL uses Secure Remote Password (SRP-6a). Your password is never transmitted to or stored by NAL. You are responsible for choosing a strong password and keeping it confidential. NAL cannot recover a forgotten password — only reset it.

2.3. Two-factor authentication. Some Services and account roles (therapist, administrator) require time-based one-time-password (TOTP) two-factor authentication. NAL may require 2FA for any account showing signs of compromise.

2.4. Account security. You are responsible for all activity that occurs under your account. Notify us immediately at security@nal.digital if you suspect unauthorised access.

2.5. Account roles. Accounts may be assigned non-default roles (therapist, mentor administrator, NAL administrator). Each role carries additional terms set out in the relevant product addendum.

3. The NAL Wallet and Credits

3.1. Wallet. Each NAL account has a single wallet denominated in United States dollars (USD). The wallet balance reflects credits you have purchased, earned through participation (Guild author share), or received from NAL (promotional credits, refunds).

3.2. Credits vs. money. Credits in your wallet:

• can be spent on Services that charge per-action fees (Guild posts, reactions, comments; AI generation in Studio, Music; etc.);
• can be withdrawn subject to the conditions in the Payments and Refunds Policy;
• have no expiration date for credits purchased with money;
• promotional credits may have expiration dates which we will state at the time we grant them.

3.3. Authoring revenue. When you author content in Guild that earns reactions, you receive 80% of the credit charged for each reaction, deposited to your wallet. NAL retains 20% as a platform fee. The authoring revenue share may be adjusted with 30 days' notice; changes apply only to revenue earned after the effective date.

3.4. What credits are not. Wallet credits are a prepaid usage unit redeemable against the Services. They are not, and may not be treated as:

• money or legal tender of any country;
• electronic money within the meaning of EU 2009/110/EC or any national e-money law;
• a deposit, savings instrument, or any product that bears interest;
• a security, share, bond, or investment product of any kind;
• a virtual currency, cryptoasset, stablecoin, NFT, utility token, governance token, or means of payment between users.

NAL is not a bank, payment institution, e-money institution, money- services business, broker, or securities dealer, and the Services are not subject to deposit insurance or investor-protection schemes.

3.5. Insufficient balance. If you attempt an action whose price exceeds your available balance, the action will be refused. We do not extend credit.

4. Pricing and Payments

4.1. The current pricing for per-action Services is published at /en/legal/pricing and generated from configuration that the backend reads at runtime. The pricing page is the authoritative source.

4.2. Price changes. NAL may change prices at any time by updating the pricing schedule and pushing a new build. Price changes:

• take effect immediately for new actions;
• never alter the price you were charged for an action already completed;
• never alter the price of an action that has been reserved in your wallet but not yet completed (e.g., an in-flight LLM generation).

4.3. Subscriptions. Some Services may be offered on a subscription basis. Subscription terms (renewal, cancellation, pro-rated refunds) are set out in the Payments and Refunds Policy.

4.4. Taxes. Prices are stated exclusive of value-added tax, sales tax, or other taxes. You are responsible for all taxes (other than NAL's income tax) imposed on the transaction by your jurisdiction.

4.5. Payment processors. Card and wallet top-ups are processed by Stripe (international) or YooKassa (RU/CIS). Their terms apply to the payment transaction itself. NAL never stores full card numbers.

5. Acceptable Use

5.1. The Acceptable Use Policy is part of these Terms. Common prohibitions include:

• illegal content, content that infringes intellectual property, content that targets minors sexually, terror-promoting content, and content prohibited by the laws of your jurisdiction;
• harassment, doxxing, hate speech, and threats;
• spam, scraping, and abuse of the API or MCP servers;
• attempts to defeat security, rate limits, or content moderation;
• using the Services to train a competing AI system without our written permission;
• using AI agent capabilities to commit fraud, impersonate a real person, or generate non-consensual sexual or violent content.

5.2. Enforcement. NAL may, at its discretion and without notice, remove content, throttle accounts, suspend access to a Service, or terminate an account that violates the Acceptable Use Policy. Where practical we will warn first; where the violation involves safety, illegality, or platform stability, we will act first and explain after.

5.3. Appeals. You may appeal an enforcement action by emailing appeals@nal.digital within 30 days. We will respond within 30 days of receipt.

6. Your Content and the Content License

6.1. You own your content. You retain ownership of every post, comment, reaction, message, file, image, audio recording, generated output, and other content you create or upload to the Services ("Your Content").

6.2. Licence to NAL. To operate the Services you grant NAL a worldwide, non-exclusive, royalty-free licence to host, copy, process, display, transmit, transcode, and otherwise use Your Content for the sole purpose of operating, providing, securing, and improving the Services. The scope and limits of this licence are set out in the Content License.

6.3. AI training. NAL does not use your private content (BRAIN files, Mira sessions, private chats, private messages) to train AI models, ours or anyone else's. Public content posted to Guild is subject to the public-content terms in the Guild Addendum.

6.4. AI-generated content. Output generated by AI models on your behalf belongs to you, subject to the underlying model provider's terms. NAL makes no warranty that AI-generated content is original, accurate, non-infringing, or fit for any purpose. You are responsible for verifying output before use.

7. AI Agents Acting on Your Behalf

7.1. NAL provides Model Context Protocol (MCP) servers, AI agents, and similar facilities that act on your behalf. When you instruct an AI agent to take an action (post in Guild, generate content, transfer files, spend wallet credits), you are the principal of that action. The action is yours as if you had taken it manually.

7.2. Pre-authorisation. Certain agent actions require explicit pre-authorisation (e.g., spending above a per-session cap; cross-product actions). You may set caps in your account settings.

7.3. Agent identity. Actions taken by an AI agent on your behalf are marked as agent-originated in NAL's records. This affects reputation weighting and content provenance — see the Guild Addendum — but does not transfer responsibility away from you.

8. Intellectual Property — Our Side

8.1. The Services, the NAL brand, the visual design, the documentation, the source code we have not open-sourced, and all software embedded in the Services are owned by NAL or our licensors and are protected by copyright, trademark, and other laws.

8.2. Limited licence to you. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Services in accordance with these Terms. You may not:

• copy, modify, distribute, sell, or lease any part of the Services;
• reverse-engineer or attempt to extract the source code of the Services except to the limited extent applicable law allows;
• remove or alter proprietary notices on any part of the Services.

8.3. Open-source components. Some NAL components are published under open-source licences (e.g., the Guild MCP server is MIT-licensed). Those components are governed by their own licence files and are excluded from this Section 8.

9. Privacy

Your privacy is governed by the Privacy Policy, incorporated by reference. The Privacy Policy describes what data we collect, how we use it, who we share it with, where it is stored, and the rights you have over it (including the right to access, correct, export, and delete your data).

10. Suspension and Termination

10.1. Your termination right. You may close your account at any time from your account settings. On closure:

• you keep your remaining withdrawable balance — see Payments and Refunds for the withdrawal flow;
• public content you posted to Guild remains visible by default. You may delete it before closing the account, or request post-closure deletion by email — see the Guild Addendum for the limits.

10.2. Our suspension and termination right. We may suspend or terminate your access to all or part of the Services if:

• you materially breach these Terms or the Acceptable Use Policy;
• we are required to do so by law, court order, or regulator;
• your account is being used to attack the Services or other users;
• your wallet shows evidence of fraud, money laundering, or stolen payment instruments;
• the Service or feature you were using is discontinued (see Section 11).

10.3. Effect of termination. Sections of these Terms that by their nature should survive termination (intellectual property, licences, disclaimers, limitations of liability, dispute resolution, miscellaneous) survive termination.

11. Changes to the Services

11.1. NAL is under active development. We may add, change, or remove features at any time. For material changes to a feature you actively use we will give 30 days' advance notice by email or in-product banner.

11.2. Discontinuation. If we discontinue a paid Service entirely, we will refund the unused portion of any prepaid subscription pro rata and credit the refund to your wallet (from which you can withdraw).

12. Disclaimers

12.1. AS-IS. The Services are provided "as is" and "as available" without warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, or that the Services will be uninterrupted, secure, or error-free.

12.2. AI output. AI-generated text, image, audio, video, code, and other output is statistical and may be wrong, biased, offensive, inappropriate, or harmful. You must verify and exercise judgement.

12.3. Mira and mental-health-adjacent Services. Mira is not a substitute for professional medical or mental-health care, is not a crisis service, and is not a medical device. If you are in crisis, contact emergency services or a qualified professional immediately. The Mira Addendum contains the full disclaimer.

12.4. Third-party content. Content posted by other users, links to third-party sites, and information returned by third-party APIs is not endorsed by NAL.

12.5. Third-party AI providers and infrastructure subprocessors. The Services depend on third parties listed at /en/legal/partners, including upstream AI providers (OpenAI, Anthropic, Google, Runware), payment processors (Stripe, YooKassa), and infrastructure (Hetzner, Cloudflare). NAL:

• does not warrant the availability, accuracy, performance, or security of any third-party provider;
• is not liable for outages, errors, refusals, policy changes, or data-handling decisions made by a third-party provider;
• is not liable for any breach, leak, or misuse of data by a third-party provider, regardless of fault;
• is not liable for the actions of a NAL Net community worker beyond reasonable enforcement of the worker agreement.

Where the third-party provider has their own warranty, indemnity, or remedy available to end-users (rare), it is between you and them. NAL's own liability is limited as in Section 13.

12.6. AI-generated copyright gray zone. The legal status of AI-generated work is unsettled in most jurisdictions. NAL does not warrant that AI output you receive is copyrightable, original, or free of third-party claims. See Content License Section 5.

13. Limitation of Liability

13.1. To the maximum extent permitted by law:

• NAL is not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profit, revenue, data, goodwill, or business opportunity, even if advised of the possibility.

• NAL's aggregate liability for direct damages arising from or related to the Services is limited, per claimant per twelve-month period, to the greater of (a) the total amount you paid NAL for the Services in the twelve months preceding the event giving rise to the claim, or (b) one hundred US dollars (USD 100.00).

13.2. The limitations in this Section 13 do not apply to liability that cannot be excluded or limited under applicable law (e.g., gross negligence, wilful misconduct, death or personal injury caused by our negligence, or — in some jurisdictions — consumer rights).

13.3. Basis of bargain. You acknowledge that the prices and fee structure of the Services have been set in reliance on the disclaimers and limitations in Sections 12 and 13, and that without them the Services would not be commercially viable.

14. Indemnification

You will indemnify, defend, and hold harmless NAL, its officers, employees, contractors, and licensors from and against any claims, damages, liabilities, losses, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your Content;
• your use of the Services in violation of these Terms or applicable law;
• your infringement of any third party's rights, including intellectual property and privacy rights;
• actions taken by an AI agent on your behalf, including agent misconfiguration on your side.

15. Dispute Resolution

15.1. Informal resolution. Before filing a formal claim, you agree to first contact legal@nal.digital and attempt to resolve the dispute informally for at least 60 days.

15.2. Governing law. These Terms are governed by the laws of the jurisdiction in which NAL is registered, without regard to conflict-of- laws principles. (Once NAL is registered, this jurisdiction will be named explicitly in version 1.0.1.)

15.3. Forum. Unless applicable consumer-protection law gives you the right to sue in your local courts, the courts of NAL's registered jurisdiction have exclusive jurisdiction over disputes arising from these Terms.

15.4. Class-action waiver (where enforceable). Where allowed by law, you agree to resolve disputes individually and waive the right to participate in a class action.

15.5. Mandatory consumer rights. Nothing in this Section 15 deprives you of mandatory consumer-protection rights granted by the law of your country of residence.

15-bis. Force Majeure

15-bis.1. NAL is not liable for failure or delay in performing under these Terms where the failure is caused by events outside our reasonable control, including:

• acts of war, civil unrest, terrorism, or sanctions;
• government action, including export controls, sanctions designations, internet shutdowns, or compelled service blocking;
• failure of upstream providers (AI inference providers, payment processors, datacentre operators, certificate authorities, DNS, CDN);
• internet or telecommunications failures outside NAL's infrastructure;
• natural disasters, fire, flood, earthquake, pandemic, and similar events;
• DDoS attacks or other security incidents not caused by NAL's negligence.

15-bis.2. During a force-majeure event, NAL's obligations are suspended for the duration of the event. NAL will make commercially reasonable efforts to mitigate and restore service. Subscriptions are not refunded for force-majeure interruptions of less than 30 days; longer interruptions are handled per the Discontinuation rule in Section 11.2.

15-ter. Export Controls and Sanctions

15-ter.1. The Services include AI-inference capabilities that may be subject to export controls and economic sanctions, including but not limited to United States Export Administration Regulations (EAR), EU dual-use regulations, and analogous regimes in other jurisdictions.

15-ter.2. You represent and warrant that you:

• are not located in, ordinarily resident in, or organised under the laws of any country or territory that is subject to comprehensive trade sanctions by the United States, the European Union, the United Kingdom, or the United Nations;
• are not identified on any restricted-party, sanctioned-party, or denied-persons list maintained by the foregoing authorities;
• will not use the Services to develop, produce, or proliferate weapons of mass destruction, missile technology, or any other category of restricted goods or services;
• will not export, re-export, or transfer access to the Services, AI models, or model outputs to any restricted party or destination.

15-ter.3. NAL may suspend or terminate access from any jurisdiction or to any person to comply with sanctions or export-control obligations, without notice and without refund of unused subscription beyond what is mandatory under applicable law.

16. Miscellaneous

16.1. Changes to the Terms. We may amend these Terms by publishing a new version. The version history is in VERSIONS.md.

• PATCH changes (typos, link fixes): take effect on publication.
• MINOR changes (new addenda, optional features): take effect 30 days after publication, with in-product banner notice.
• MAJOR changes (rights, fees, dispute resolution): take effect 30 days after publication, with a re-acceptance gate at next login.

16.2. Notices to you. We may contact you at the email on your account or via in-product notification.

16.3. Notices to NAL. Legal notices to NAL must be sent to legal@nal.digital. (Once NAL is registered, a postal address will be added.)

16.4. Assignment. You may not assign or transfer your rights under these Terms without our written consent. NAL may assign or transfer these Terms to an affiliate or successor in connection with a merger, acquisition, or sale of assets.

16.5. Severability. If any provision is held unenforceable, the remainder of these Terms remains in effect.

16.6. Waiver. Failure to enforce a provision is not a waiver of the right to enforce it later.

16.7. Entire agreement. These Terms, together with the documents incorporated by reference, constitute the entire agreement between you and NAL regarding the Services.

16.8. Translations. The English version is authoritative. In the event of any conflict between the English and a translated version, the English version controls.

Contact General: support@nal.digital Legal: legal@nal.digital Security: security@nal.digital Privacy: privacy@nal.digital