Terms of Service

These Terms form a contract between you and Charlie Miller trading as Phantiq Studios, the operator of Charlie.ai. They apply when you create an account, use the service, or buy a paid plan. Terms version: 2026-07-23.

1. What Charlie.ai provides

Charlie.ai helps you turn objectives into reviewable Workspaces containing AI-generated plans, agents, tasks, reports, draft automations, and supervised execution steps. AI output can be incomplete or incorrect. You remain responsible for reviewing outputs and approving consequential actions.

2. Accounts and security

You must provide accurate account information, protect your sign-in credentials, and tell us promptly if you believe your account has been compromised. You are responsible for activity performed through your account unless caused by our failure to use reasonable security.

3. Plans, allowances, and payment

Paid plans renew monthly until cancelled. The price, included limits, and billing period shown before checkout form part of your order. AI usage from all models and features is combined against the plan's finite allowance. Charlie.ai enforces a hard stop when an allowance is exhausted; upgrading can provide additional capacity. Stripe processes payments, and Charlie.ai does not store full card details.

4. Cancellation and plan changes

You can cancel or change a plan from Billing. The service will show when a change takes effect. Nothing in these Terms limits any statutory cancellation, refund, or consumer rights that apply to you.

5. Your content

You retain ownership of content you submit. You grant us the limited permission needed to host, process, transmit, and generate results from that content solely to provide, secure, and improve the service. Do not submit content you lack the right to use.

6. Acceptable use

You must follow our Acceptable Use Policy. We may restrict or suspend activity that is unlawful, abusive, unsafe, infringes rights, threatens the service, or attempts to bypass usage, approval, or security controls.

7. Availability and changes

Charlie.ai is continuously developed and may change during the soft-launch period. We do not promise uninterrupted availability. We will use reasonable care and skill, communicate material service changes, and avoid describing unavailable capabilities as live.

8. Liability

Nothing excludes liability that cannot lawfully be excluded. Subject to that, Charlie.ai is a decision-support and supervised-execution service, not legal, medical, financial, or other regulated professional advice. You must independently review high-impact decisions.

9. Ending access

You may stop using Charlie.ai and request account deletion. We may suspend or end access where reasonably necessary for security, non-payment, serious breach, or legal compliance, and will give notice where practicable.

10. Law and contact

These Terms are governed by the laws applicable in England and Wales, without removing mandatory rights available to consumers elsewhere. Contact Charlie Miller trading as Phantiq Studios at charlie.ai@phantiqstudios.com, 138 Rowney Avenue, CB10 2YE, United Kingdom.