Terms of Service

Last Updated: November 28, 2025

1. Introduction

Welcome to BuyGuide ("we," "us," or "our"). By accessing or using our website and services at buyguide.ai and its subdomains (collectively, the "Service"), you agree to be bound by these Terms of Service ("Terms").

If you do not agree to these Terms, please do not use our Service.

2. Description of Service

BuyGuide provides an AI-powered product comparison and recommendation platform. Our Service includes:

AI chat assistant for product recommendations
Product comparison tools and features
Connection to partner advisors (where available)
User accounts and personalization features

3. Disclaimers

IMPORTANT: Your use of this Service is subject to our Disclaimer, which you must read and accept.

Key points include:

Not Professional Advice: Information provided is for general purposes only and does not constitute financial, legal, real estate, or any professional advice.
AI Limitations: Our AI may produce inaccurate or outdated information and should not be solely relied upon.
Third-Party Products: We do not manufacture or sell products compared on this platform.
Partner Advisors: Advisors are independent third parties; we do not guarantee their services.

Please read our full Disclaimer for complete details on limitations and your responsibilities.

4. User Accounts

4.1 Account Creation

To access certain features, you may create an account using Google Sign-In or other authentication methods. You are responsible for:

Maintaining the confidentiality of your account
All activities that occur under your account
Providing accurate and current information

4.2 Account Termination

We reserve the right to suspend or terminate your account at any time, with or without cause, with or without notice.

5. User Conduct

You agree not to:

Use the Service for any unlawful purpose
Attempt to gain unauthorized access to our systems
Interfere with or disrupt the Service
Upload malicious code or content
Impersonate others or provide false information
Use automated systems to access the Service without permission
Reverse engineer or attempt to extract source code

6. Intellectual Property

6.1 Our Content

All content on the Service, including text, graphics, logos, and software, is owned by BuyGuide or our licensors and is protected by intellectual property laws.

6.2 User Content

By submitting content (such as chat messages, preferences, or feedback), you grant us a non-exclusive, royalty-free license to use, store, and process that content to provide and improve our Service.

7. Privacy and Data Collection

Your use of the Service is also governed by our Privacy Policy. By using the Service, you consent to:

Collection of usage data and preferences
Use of cookies and similar technologies
Processing of location data (when you choose to share it)
Storage of conversation history for service improvement

8. Third-Party Links and Partners

8.1 External Links

Our Service may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of any third-party sites.

8.2 Partner Advisors

When you request contact with a partner advisor:

Your information may be shared with that advisor
The advisor is an independent third party
We are not responsible for advice or services provided by advisors
Any relationship with an advisor is separate from your relationship with us

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

OUR SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND
WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED
WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE PAST 12 MONTHS, OR $100, WHICHEVER IS GREATER

10. Indemnification

You agree to indemnify and hold harmless BuyGuide, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

Your use of the Service
Your violation of these Terms
Your violation of any rights of third parties

11. Changes to Terms

We may modify these Terms at any time. Changes will be effective when posted on this page. Your continued use of the Service after changes constitutes acceptance of the modified Terms.

12. Operating Partners and Responsibility

12.1 Platform Structure

This Service is powered by infrastructure provided by Fintell Solutions OU. The website or subdomain you are using is operated by an independent Operating Partner who has licensed this infrastructure to provide services in their market.

12.2 Your Relationship

You, as the end user, have a direct relationship with the Operating Partner of the subdomain you are using, NOT with Fintell Solutions OU.

The Operating Partner is the party responsible for:

Operating and managing the website
Providing the service to you
All communications and support
Any contractual obligations to you
Data management and protection

12.3 Operating Partner Responsibilities

The Operating Partner of this subdomain is solely responsible for:

Operating and managing this website/subdomain
Data collection, storage, and management
Data protection compliance (GDPR, CCPA, or other applicable regulations)
Legal compliance in their operating jurisdiction
Terms of service and policies applicable to their users
Product and service information accuracy
Partner advisor relationships, vetting, and quality
Customer support and dispute resolution
Marketing claims and representations
Consumer protection law compliance
Any financial or business advice implications

12.4 Infrastructure Provider Role

Fintell Solutions OU provides only:

The underlying technology infrastructure
AI model functionality (subject to our Disclaimer)
Technical platform maintenance

Fintell Solutions OU has no direct relationship with end users. Our obligations are solely to the Operating Partner under our separate business agreement with them. We are not responsible to you for:

How the Operating Partner uses or manages the infrastructure
Data management decisions made by the Operating Partner
Content or recommendations shown on Operating Partner's subdomain
Actions or omissions of the Operating Partner
Any damages arising from your use of Operating Partner's service

12.5 Identifying Your Operating Partner

Each subdomain of this platform is operated by a specific Operating Partner. The Operating Partner for this subdomain is:

RoboAdvisor Guide

[Operating Partner Address]

info@buyguide.ai

The Operating Partner information is also displayed in the footer of this website. For questions about who operates this service, contact the Operating Partner directly using the information above.

13. Governing Law and Disputes

13.1 Governing Law

These Terms shall be governed by the laws of the jurisdiction in which your Operating Partner is registered. If no Operating Partner is specified, Estonian law shall apply.

13.2 Dispute Resolution

Disputes should be directed to your Operating Partner first. Disputes related solely to the technology infrastructure should be directed to Fintell Solutions OU at info@buyguide.ai.

14. Severability

If any provision of these Terms is found unenforceable, the remaining provisions shall continue in effect.

15. Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and BuyGuide regarding the Service.

16. Contact Us

For questions about these Terms, contact us at: info@buyguide.ai

By using BuyGuide, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service, our Privacy Policy, and our Disclaimer.