Terms of Service

These Terms define the conditions under which CharliA provides the Client access to its online SaaS (Software as a Service) platform called "CharliA" (hereinafter "the Service" or "the Platform").

CharliA is an AI Fundraising Operating System ("AI Fundraising OS") enabling professionals to automatically generate complete investment documents, including:

• Idea analysis and project scoring
• Competitive analysis and market studies
• Detailed user personas
• Technical specifications in Gherkin format
• 5-year financial projection models
• Investor pitch decks
• Business plans and unit economics (CAC, LTV, Churn)
• VC fund matching

The Client declares that they are a professional within the meaning of the French Consumer Code, acting in the course of their professional activity. These Terms do not apply to consumers.

For the purposes of these Terms, the following terms shall have the meanings indicated:

3.1 Account Creation

Access to the Service requires the creation of an Account. The Client agrees to provide accurate, complete, and up-to-date information during registration. The Client is solely responsible for the confidentiality of their login credentials and all activity from their Account.

3.2 Eligibility Requirements

The Service is reserved for professionals. By creating an Account, the Client declares and warrants that they:

• Are a validly incorporated legal entity or a natural person acting in the course of their professional activity
• Have the legal capacity necessary to enter into contracts
• Are acting for the needs of their professional activity and not as a consumer

3.3 Acceptance of Terms

The creation of an Account and/or subscription to a Subscription implies full and unconditional acceptance of these Terms. This acceptance is evidenced by checking a box during the registration process.

3.4 Service Availability

CharliA endeavors to ensure Service availability 24/7. However, access may be temporarily suspended for maintenance, updates, or in cases of force majeure. CharliA does not guarantee uninterrupted access to the Service, except within the framework of specific SLA commitments for the Enterprise plan (see Article 12).

4.1 Available Plans

CharliA offers the following subscription plans:

4.2 Pricing

Prices are indicated in euros (EUR) excluding taxes. Applicable VAT will be added at the rate in effect at the time of billing (20% for France). Prices may be revised by CharliA at any time. Any price changes will be notified to the Client at least thirty (30) days before taking effect.

4.3 No Commitment

Subscriptions are taken out without any minimum commitment period. The Client may cancel their subscription at any time, with cancellation taking effect at the end of the current monthly period.

5.1 Payment Methods

Subscription payments are made by credit card via the secure Stripe platform. Payment is due immediately upon subscription and then on a recurring basis at each monthly billing date.

5.2 Invoicing

An electronic invoice is issued and sent to the Client by email at each payment date. Invoices are also available in the client dashboard.

5.3 Payment Default

In the event of payment default at the due date, CharliA reserves the right to immediately suspend access to the Service. In accordance with French Commercial Code articles L.441-10 and D.441-5:

• Late payment penalties will be applied at three (3) times the legal interest rate
• A fixed indemnity of forty (40) euros for collection costs will be due automatically

5.4 No Right of Withdrawal

6.1 How It Works

Service usage is measured in tokens. Each action calling upon AI agents (artifact generation, analysis, recommendation) consumes a variable number of tokens depending on the complexity of the task requested. A complete project consumes an average of 50 tokens.

6.2 Monthly Credits

Each plan includes a monthly token allocation (see Article 4.1). Unused tokens at the end of the month are not carried over to the following month, unless otherwise specified in the Enterprise contract.

6.3 Additional Tokens

The Client will be alerted when their consumption reaches 80% of their monthly quota. Additional credits can be purchased at a rate of EUR10 for 100 tokens.

6.4 Transparency

The Client has access to their token consumption at any time in their client dashboard. CharliA commits to providing a breakdown of consumption by type of artifact generated.

7.1 Nature of AI Content

The Service uses third-party artificial intelligence models (LLMs) (OpenAI, Anthropic, Google, Perplexity) to generate content. The Client acknowledges and accepts that:

• AI-generated content is produced automatically and probabilistically
• This content constitutes decision support and not guaranteed professional advice
• Financial projections, market analyses, and recommendations are indicative estimates
• Content may contain inaccuracies, errors, or "hallucinations" inherent to AI models

7.2 Verification Obligation

The Client is required to verify and validate all generated content before using it for commercial purposes, investor presentations, or strategic decision-making. CharliA expressly recommends:

• Having documents reviewed by a qualified professional (accountant, lawyer, financial advisor)
• Verifying figures and financial projections
• Validating market analyses with independent sources
• Adapting content to the company's specific situation

7.3 Disclaimer of Warranty

CharliA does not guarantee:

• The accuracy, completeness, or relevance of generated content
• The suitability of content for the Client's specific objectives
• The success of fundraising or obtaining financing
• The compliance of content with specific sector regulations

7.4 Evolution of AI Models

The AI models used are regularly updated by their providers. CharliA cannot guarantee perfect consistency in the quality or style of content generated between different model versions.

8.1 Transmission to LLM Providers

To generate content, CharliA transmits Client Data (project descriptions, business information) to the APIs of the following LLM providers:

• OpenAI (GPT-5.1, GPT-5-mini) - San Francisco, USA
• Anthropic (Claude Sonnet 4.5) - San Francisco, USA
• Google (Gemini 3 Pro) - Mountain View, USA
• Perplexity AI (Sonar) - San Francisco, USA

8.2 Provider Commitments

CharliA exclusively uses the professional APIs of these providers who contractually commit to:

• Not using data to train their models (opt-out by default on professional APIs)
• Deleting data after processing (maximum retention of 30 days for debugging)
• Maintaining security standards (SOC 2 Type II, ISO 27001)

8.3 International Transfers

As LLM providers are located in the United States, Client Data is subject to international transfers. These transfers are governed by:

• The European Commission's Standard Contractual Clauses (SCCs)
• The EU-US Data Privacy Framework (for certified providers)
• Additional data protection commitments from each provider

8.4 Sensitive Data

8.5 Data Minimization

CharliA applies the principle of data minimization: only information strictly necessary for generating the requested content is transmitted to LLMs. The Client's personal identification data (email, name) is not transmitted to the models.

9.1 Platform Ownership

CharliA is and remains the holder of all intellectual property rights relating to the Platform, including: source code, algorithms, user interface, databases, the "CharliA" trademark, logos, and graphic elements.

9.2 Ownership of Generated Content

This assignment includes in particular:

• The right of reproduction on any medium
• The right of representation by any means
• The right of adaptation and modification
• The right of commercial exploitation
• The right to assign these rights to third parties

9.3 Client Data

The Client retains all rights to the Client Data they provide to the Service. The Client grants CharliA a non-exclusive license, for the duration of the Subscription, solely for the purpose of providing the Service.

9.4 License of Use

CharliA grants the Client, for the duration of the Subscription, a personal, non-exclusive, non-assignable, and non-transferable right to use the Platform, within the limits defined by the subscribed plan.

10.1 Data Controller

CharliA acts as data controller for personal data collected during the use of the Service (account data, browsing data).

10.2 Data Collected

Personal data processed includes:

• Identification data: name, surname, email, company name
• Connection data: logs, IP address, browser type
• Payment data: processed by Stripe (CharliA does not store card numbers)
• Usage data: projects created, artifacts generated, token consumption

10.3 Purposes and Legal Basis

10.4 Hosting and Security

Data is hosted on servers located in the European Union (Vercel EU region). AES-256 encryption is used for storing sensitive data.

10.5 Retention Period

• Account data: duration of Subscription + 3 years (statute of limitations)
• Billing data: 10 years (legal obligation)
• Browsing data: 13 months
• Projects and artifacts: duration of Subscription + 30 days (deletion on request)

10.6 Data Subject Rights

In accordance with the GDPR, the Client has rights of access, rectification, erasure, restriction, portability, and objection. These rights can be exercised by email at: privacy@charlia.ai

The Client also has the right to lodge a complaint with the CNIL (French National Commission for Data Protection).

11.1 CharliA's Obligations

CharliA undertakes to provide the Service with diligence and according to best practices. CharliA is subject to an obligation of means and not an obligation of result.

11.2 Limitation of Liability

11.3 Liability Cap

In any event, CharliA's total liability under these Terms is limited to the amounts actually paid by the Client during the twelve (12) months preceding the event giving rise to the damage.

11.4 Client's Obligations

The Client undertakes to:

• Use the Service in accordance with its intended purpose and these Terms
• Not attempt to circumvent security measures or technical limitations
• Not use the Service for illegal or fraudulent activities
• Verify generated content before any professional use
• Maintain the confidentiality of their login credentials

12.1 Availability Commitment

CharliA commits to ensuring Service availability of 99.9% on a monthly basis, excluding scheduled maintenance periods.

12.2 Availability Calculation

The availability rate is calculated using the following formula:

12.3 Exclusions

The following are not counted as downtime:

• Scheduled maintenance (notified 48h in advance)
• Force majeure events
• Issues related to Client infrastructure
• Unavailability of third-party LLM providers

12.4 Service Credits

In the event of SLA non-compliance, the Enterprise Client may request a service credit according to the following schedule:

12.5 Dedicated Support

Enterprise Clients benefit from:

• A dedicated contact (Customer Success Manager)
• Priority email support (response within 4 business hours)
• Access to a dedicated Slack/Teams channel
• Quarterly usage reviews

13.1 Termination by Client

The Client may terminate their Subscription at any time from their client dashboard (one-click cancellation). Termination takes effect at the end of the current monthly period. No pro rata refund will be made.

13.2 Termination by CharliA

CharliA may terminate the Subscription as of right, without notice or compensation, in case of:

• Violation of these Terms by the Client
• Fraudulent or abusive use of the Service
• Payment default not rectified within 15 days
• Provision of false information during registration

13.3 Consequences of Termination

Upon termination:

• Access to the Service is immediately suspended
• The Client has 30 days to export their data and artifacts
• After this period, data will be permanently deleted
• Unused tokens are forfeited

13.4 Survival of Clauses

The clauses relating to intellectual property, liability, confidentiality, and governing law survive the termination of these Terms.

Neither party shall be held liable for failure to perform its contractual obligations if such failure results from a force majeure event within the meaning of Article 1218 of the French Civil Code.

Force majeure events include in particular: natural disasters, wars, terrorist attacks, general strikes, government decisions, widespread Internet outages, massive cyberattacks, and failure of cloud or AI service providers.

If the force majeure event continues for more than thirty (30) days, either party may terminate the contract without compensation.

CharliA reserves the right to modify these Terms at any time. Modifications will be notified to the Client by email and/or by notification in the interface at least thirty (30) days before taking effect.

If the Client does not accept the modifications, they have thirty (30) days to terminate their Subscription. Continued use of the Service after the new Terms take effect constitutes acceptance thereof.

The applicable version is the one in effect at the date of subscription or renewal of the Subscription, accessible at any time at charlia.io/en/terms.

16.1 Governing Law

These Terms are governed by French law, to the exclusion of any other legislation.

16.2 Mediation

In the event of a dispute, the parties undertake to seek an amicable solution before any legal action. The Client may submit their complaint to CharliA by email at legal@charlia.ai.

16.3 Jurisdiction

Failing amicable resolution, any dispute shall be submitted to the exclusive jurisdiction of the courts of Paris, notwithstanding multiple defendants or third-party proceedings, including for emergency or interim proceedings.

16.4 Language

These Terms are drafted in French. In the event of translation, only the French version shall be authoritative.