Terms of Service

1. Acceptance of Terms

By accessing or using IfOnly.ai ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.

2. Description of Service

IfOnly.ai is an educational and entertainment platform that:

• Calculates what past expenses would be worth if invested in Bitcoin instead
• Generates personalized narrative stories using advanced AI (GPT-4o)
• Provides professional voice narration for each story
• Displays real-time and historical Bitcoin price data
• Creates shareable story cards with custom visuals
• Offers social media integration for sharing stories on X (Twitter)
• Provides educational resources about Bitcoin and cryptocurrency
• Supports multiple currencies with automatic location detection

3. Disclaimer of Financial Advice

The Service does not provide financial advice. All calculations and narratives are:

• For educational and entertainment purposes only
• Based on historical data that may not be predictive of future performance
• Not recommendations to buy, sell, or hold any cryptocurrency
• Not a substitute for professional financial advice

4. Accuracy of Information

While we strive for accuracy:

• Bitcoin prices are sourced from third-party providers (CoinGecko)
• Historical calculations are estimates based on available data
• Currency conversions are approximate
• We make no warranties about the accuracy or completeness of information

5. User Eligibility and Responsibilities

Age Requirement

You must be at least 18 years old to use this Service. By using IfOnly.ai, you represent and warrant that you meet this age requirement.

User Conduct

You agree to:

• Use the Service only for lawful purposes
• Not rely on the Service for financial or investment decisions
• Verify any information independently before acting on it
• Not attempt to manipulate, hack, or circumvent security measures
• Not use automated systems, bots, or scrapers to access the Service
• Not abuse our rate limiting or API restrictions
• Not impersonate others or provide false information

6. Intellectual Property

Our Content

All content on IfOnly.ai, including text, graphics, logos, and software, is our property or licensed to us and protected by copyright laws.

Your Generated Content

You retain rights to the stories you create, but grant us a non-exclusive, worldwide license to:

• Display and store your stories within the Service
• Generate voice narration of your stories
• Create shareable visual cards based on your stories
• Enable sharing functionality across social media platforms
• Analyze usage patterns to improve our Service
• Cache and display stories for performance optimization

7. Third-Party Services

We integrate with several third-party services to provide our features:

• OpenAI (GPT-4o): For AI-generated personalized narratives
• ElevenLabs: For high-quality text-to-speech voice narration
• CoinGecko: For real-time and historical Bitcoin price data
• ipapi.co: For location detection and currency selection
• Formspree: For secure contact form processing
• X (Twitter): For social media sharing functionality

Your use of our Service constitutes acceptance of these third parties' terms and privacy policies.

8. Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for any financial losses
• We are not liable for decisions made based on our Service
• We are not liable for inaccuracies in calculations or data
• Our total liability is limited to $100 USD

9. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Any financial decisions you make

10. Affiliate Disclosure

IfOnly.ai may contain affiliate links to cryptocurrency exchanges and other services. We may earn commissions from qualifying purchases or sign-ups made through these links. This does not affect the price you pay and helps support the continued development of our Service.

11. Data and Privacy

Privacy Policy

Your use of our Service is governed by our Privacy Policy, which explains how we collect, use, and protect your information.

Data Storage

We store generated stories and associated data to provide our Service. Stories may be cached for performance and shared when you use our sharing features.

Cookies

We use essential cookies and local storage to provide core functionality, including saving your preferences and maintaining your session.

12. Service Availability and Modifications

Service Availability

We strive to maintain Service availability but do not guarantee uninterrupted access. The Service may be unavailable due to:

• Scheduled or emergency maintenance
• Technical issues or outages
• Third-party service disruptions
• Rate limiting or usage restrictions

Modifications to Service

We reserve the right to:

• Modify or discontinue the Service at any time
• Change these Terms with notice on this page
• Refuse service to anyone for any reason

13. Termination

We may terminate or suspend your access to the Service immediately, without prior notice, for any reason, including breach of these Terms.

14. Governing Law

These Terms are governed by the laws of the jurisdiction in which we operate, without regard to conflict of law principles.

15. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

16. Entire Agreement

These Terms constitute the entire agreement between you and IfOnly.ai regarding the use of the Service.

17. Contact Information

For questions about these Terms, please contact us at:

• Email: hello@ifonly.ai
• Contact Form: ifonly.ai/contact