Terms of Service

1. Overview

These Terms of Service (“Terms”) govern your use of the oneBot platform, operated by One Finance Limited, a company registered in Malta, with registered address at Level 3 (Suite No. 3211), Tower Business Centre, Triq it-Torri, Swatar, Birkirkara BKR 4013, Malta. VAT: MT31333709.

By accessing or using oneBot — including browsing this website, creating an account, or interacting with any oneBot service — you agree to be bound by these Terms and acknowledge that you have read and understood our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree to these Terms or the Privacy Policy, please do not use the platform.

2. The Service

oneBot is an AI-powered personal and business assistant platform. It connects to third-party services, executes tasks, and communicates on your behalf based on your instructions and configuration.

By default, oneBot uses OpenRouter as its AI routing layer to connect to 100+ large language models (LLMs) from providers including Anthropic, OpenAI, Google, Meta (Llama), Mistral, Qwen (Alibaba), DeepSeek, xAI (Grok), MiniMax, NVIDIA, Cohere, and others. The model landscape evolves rapidly; the current list of available models is always visible in your settings. The specific model used depends on your configuration.

Optionally, you may provide your own API keys for supported AI providers. In this case, your requests are sent directly to that provider without routing through OpenRouter. You are responsible for any costs, usage, and compliance obligations associated with your own API keys. One Finance Limited does not store your API keys beyond what is technically required to process your requests.

3. Your Data

We take your privacy seriously. Here’s what you should know:

• All your data is stored on Hetzner servers in the EU, encrypted at rest and in transit
• Your bot messages are routed through OpenRouter to the AI model you select — these providers do not train on your data when accessed via API
• We never sell, rent, or misuse your data
• We never see your payment credentials (card numbers, bank details) — only transaction amounts for billing purposes
• We collect analytics and usage statistics to improve the platform, but we never use your data for advertising or profiling
• We do not use your personal data, conversations, or bot interactions to train, fine-tune, or improve any AI or machine learning model — neither our own nor any third party’s

For full details, see our Privacy Policy.

4. Use at Your Own Risk

• You are responsible for your bot’s configuration. This includes selecting the appropriate AI model, configuring spending limits, and granting or restricting access to third-party services and tools.
• You are solely responsible for what your bot does. oneBot provides the platform and tools, but we have no control over how you configure your bot, what instructions you give it, or what actions it takes. You bear full responsibility for all outputs and actions of your bot.
• You are responsible for reviewing and approving actions. If you grant your bot permission to act autonomously (e.g., sending emails, making purchases, managing calendar events), you accept that the bot may take actions based on its interpretation of your instructions.
• AI models are not infallible. They can misunderstand instructions, produce inaccurate information, or take unintended actions. Always verify critical information independently.
• Financial access is at your discretion. If you provide your bot with access to payment methods, credit cards, or financial tools, you do so entirely at your own risk. We strongly recommend setting a spending limit.
• We cannot control bot behavior beyond platform safeguards. While we implement safety measures, the combination of AI models, user instructions, third-party integrations, and own API key configurations creates outcomes that we cannot predict or fully control. One Finance Limited cannot be held liable for any damage caused by user-configured bots, including but not limited to financial loss, reputational damage, or data misuse.
• Prohibited use of bots is your responsibility. You must not configure or instruct your bot to perform illegal, harmful, or abusive actions. Any misuse of the platform through your bot is your sole legal responsibility.

5. Our Commitment to You

While use of the platform is at your own risk, we want you to know:

• We are always here to help. Our support team is available to assist you with configuration, troubleshooting, and any issues that arise.
• We continuously improve safety measures. We actively work to reduce the risk of unintended bot behavior through testing, monitoring, and safety layers.
• We provide tools for control. You can set a spending limit, configure approval workflows, and define permission boundaries to keep your bot in check.
• Transparency is core to our values. Every bot action is logged and auditable. You always have full visibility into what your bot does and why.
• We never misuse your data. Your data powers your bot — nothing else. We don’t sell it, we don’t profile you, and we don’t use it for anything beyond providing the service.

6. Limitation of Liability

• Actions taken by your bot based on your instructions or configuration
• Incorrect, incomplete, or misleading information generated by AI models
• Financial losses resulting from bot actions, including purchases, trades, or payments
• Unauthorized actions caused by misconfiguration or insufficient access restrictions
• Data loss or service interruptions caused by third-party providers (including OpenRouter and AI model providers)
• Failure to configure an appropriate spending limit or approval requirements
• Selection of an AI model that is not suitable for your use case
• Use of own API keys and any consequences arising from direct provider interactions
• Any damage, harm, or legal liability arising from how you configure, instruct, or deploy your bot

You agree that your use of oneBot is voluntary and at your own risk. We strongly recommend starting with conservative settings and gradually expanding your bot’s permissions as you gain confidence.

7. Disclaimer of Warranties (“As Is”)

• Warranties of merchantability, fitness for a particular purpose, or non-infringement
• Any guarantee that the platform will be uninterrupted, error-free, or free of viruses or other harmful components
• Any guarantee that AI-generated outputs will be accurate, complete, current, or suitable for your purposes
• Any guarantee of uptime, availability, or performance of third-party AI models or services

You assume full responsibility for determining whether the service is appropriate for your use case and for all consequences of using it.

8. No Professional Advice

The oneBot platform — including its Companion feature — may offer conversational support, emotional engagement, health-related tracking, or financial information. These features are provided for informational and entertainment purposes only and must not be treated as a substitute for qualified professional guidance.

Specifically:

• The Companion feature (including personality modes such as “therapist,” “counselor,” “life coach,” or similar) is not a licensed mental health service. It does not diagnose, treat, or provide clinical care. If you are experiencing a mental health crisis, please contact a qualified professional or emergency service immediately.
• Health-related features (nutrition tracking, sleep analysis, workout planning, health goals) are not medical advice. Always consult a healthcare provider before making health-related decisions.
• Financial features (budget tracking, expense reports, crypto and stock information, invoice processing) are not financial or investment advice. Always consult a qualified financial advisor before making financial decisions.
• Any legal, tax, or compliance information provided by oneBot is not legal advice. Always consult a qualified attorney or tax professional.

You acknowledge that you use all such features at your own risk and that One Finance Limited shall have no liability for any decisions, actions, or consequences arising from your reliance on AI-generated information in any professional domain.

9. Security Measures

One Finance Limited implements commercially reasonable, industry-standard security measures to protect your data, including encryption technologies, access controls, and secure infrastructure. Security features described on this website and in our documentation (including references to specific encryption standards such as AES-256-GCM, TLS, and similar) reflect our current best-effort practices at the time of writing.

However:

• No system is 100% secure. Despite our efforts, we cannot guarantee that our security measures will prevent every unauthorised access, data breach, or security incident.
• Security technologies, standards, and threat landscapes evolve. The specific measures we employ may change over time as we adopt improved practices.
• References to specific security standards or certifications on our website describe our goals and current implementations, not absolute guarantees that such measures will be effective against all threats at all times.

To the maximum extent permitted by applicable law, One Finance Limited shall not be held liable for any unauthorised access to, or breach of, your data, provided that we have implemented commercially reasonable security measures at the time of the incident.

10. AI-Generated Content & Outputs

oneBot uses artificial intelligence to generate text, suggestions, summaries, reports, and other content. You acknowledge and agree that:

• AI outputs may be inaccurate, incomplete, or misleading. Large language models can produce plausible-sounding but incorrect information (“hallucinations”). You must independently verify any critical information before relying on it.
• AI outputs are not unique or exclusive. The same or substantially similar content may be generated for other users. AI-generated outputs do not constitute original, exclusive works.
• AI outputs may not reflect current information. AI models have training data cutoffs and may not be aware of recent events, changes in law, or updated facts.
• You are responsible for how you use AI outputs. Any actions you take based on AI-generated content are your sole responsibility, including any legal, financial, reputational, or personal consequences.

11. Experimental Technology

You acknowledge that:

• oneBot is built on third-party AI models that are continuously updated by their respective providers. Model behaviour, quality, and capabilities may change at any time.
• New features, skills, and integrations may be in beta or early release and may not perform as expected.
• AI technology as a whole is an emerging field. Known and unknown limitations exist, and the technology may occasionally produce offensive, biased, or inappropriate content despite safety measures.
• One Finance Limited does not guarantee that any specific AI model will remain available, or that its performance will remain consistent over time.

12. Website Descriptions & Marketing Materials

Feature descriptions, performance statistics, use-case examples, and technical specifications presented on this website and in marketing materials are provided for illustrative and informational purposes. They represent our aspirational goals and current capabilities at the time of publication.

Specifically:

• Statistics, metrics, and performance figures shown on the website (e.g., “0 errors,” “100% precision,” “always available”) are illustrative examples or design elements, not contractual performance guarantees.
• Feature descriptions and use-case scenarios depict intended functionality. Actual results depend on your configuration, the AI model selected, third-party service availability, and other variables.
• References to specific capabilities (e.g., HR screening, financial reporting, customer support automation) describe what the platform is designed to do, not guaranteed outcomes. You remain responsible for verifying results and complying with applicable regulations in your jurisdiction.
• Nothing on this website constitutes a binding warranty, guarantee, or contractual commitment unless explicitly stated in these Terms of Service.

13. Indemnification

You agree to indemnify, defend, and hold harmless One Finance Limited, its founders, employees, agents, and affiliates from and against any claims, liabilities, damages, judgments, losses, costs, or expenses (including reasonable legal fees) arising from or related to:

• Your use of the oneBot platform in violation of these Terms
• Any content, configurations, or instructions you provide to your bot
• Actions taken by your bot on your behalf
• Your violation of any applicable law, regulation, or third-party right
• Any misuse of API keys or third-party service integrations

14. Account & Registration

You are responsible for maintaining the confidentiality of your credentials and for all activities under your account.

Age requirements:

• 18 years or older: You may create and use an account independently.
• 16 to 17 years old: You may only use oneBot with the verified consent of a parent or legal guardian who agrees to these Terms on your behalf. The parent or guardian is responsible for supervising the minor’s use of the platform and assumes all liability for it.
• Under 16 years old: You are not permitted to create an account or use oneBot in any capacity. This restriction is in accordance with GDPR Article 8 and EU Digital Services Act requirements.

One Finance Limited reserves the right to request proof of age or parental consent and to suspend or terminate accounts where age requirements are not met.

15. Acceptable Use

You agree not to use oneBot to:

• Engage in illegal activity or facilitate crimes
• Harass, abuse, threaten, or harm other individuals
• Send spam, phishing messages, or unsolicited communications
• Attempt to bypass, circumvent, or disable platform safety measures, rate limits, access restrictions, or content filters
• Impersonate another person or entity
• Use AI outputs to make fully automated high-stakes decisions affecting individuals without appropriate human oversight — including decisions related to medical treatment, financial credit, employment, or legal status
• Falsely represent AI-generated outputs as produced by a human
• Generate or distribute illegal content, including but not limited to content that is defamatory, obscene, or that violates third-party intellectual property rights
• Exploit AI companion features to manipulate, groom, or psychologically harm vulnerable individuals, including minors

Reverse Engineering & Competitive Use Restrictions: You further agree not to:

• Reverse-engineer, decompile, disassemble, or otherwise attempt to discover the source code, underlying algorithms, or architecture of the oneBot platform
• Extract, scrape, or systematically collect data from the platform through automated means (including bots, crawlers, or similar tools)
• Attempt to extract, replicate, or derive model weights, parameters, training data, or proprietary system prompts from any AI model used through the platform
• Use the platform, its outputs, or insights derived from its use to develop, train, fine-tune, or improve any AI model, product, or service that competes with oneBot or One Finance Limited
• Benchmark, evaluate, or test the platform for the purpose of building or improving a competing product without prior written consent from One Finance Limited
• Sublicense, resell, redistribute, or provide access to the platform to third parties without authorisation

16. Intellectual Property

The oneBot platform, including its design, code, branding, and content, is owned by One Finance Limited. You retain ownership of any content you create using the platform. You grant One Finance Limited a limited, non-exclusive licence to process and store your content solely to the extent necessary to provide the service.

17. Payments & Billing

oneBot uses a usage-based pricing model. Billing is transparent and based on actual usage. A one-time setup fee may apply. All prices are displayed in Euros (€).

oneBot provides a spending limit feature (not a daily limit) which allows you to set a maximum cumulative spend cap. This is a safeguard, but you remain responsible for monitoring your own usage. One Finance Limited is not liable for charges incurred before a spending limit is reached or before the limit is enforced.

We never see or store your payment credentials. We only receive confirmation of successful payments and transaction amounts for accounting.

18. Termination & Data Deletion

You may close your account at any time. Upon closure:

• Your data will be deleted within 90 days as part of our standard deletion cycle
• If you request expedited deletion, we will process it within 30 days of your explicit request
• Financial records may be retained where required by law

We may suspend or terminate your access for violations of these Terms, with or without prior notice.

19. Service Availability & Force Majeure

We aim to provide reliable service but cannot guarantee uninterrupted availability. The platform may be temporarily unavailable due to:

• Scheduled maintenance or updates
• Third-party service outages (e.g., OpenRouter, AI model providers, Hetzner hosting)
• Events beyond our reasonable control, including natural disasters, power failures, cyberattacks, government action, or other force majeure events

One Finance Limited shall not be liable for any loss or damage arising from service unavailability due to the above circumstances.

20. Third-Party Services

oneBot integrates with various third-party services (e.g., Google, Slack, Salesforce) and AI model providers via OpenRouter. Your use of these integrations is subject to the respective third party’s terms. We are not responsible for third-party service availability or data handling beyond our control.

21. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will:

• Notify registered users via email at least 14 days before the changes take effect
• Update the “Last updated” date at the top of this page
• Clearly summarise what has changed in the notification

Continued use of the platform after the effective date of any changes constitutes your acceptance of the updated Terms. If you do not agree with the changes, you may close your account before the effective date.

22. Governing Law

These Terms are governed by the laws of Malta. Any disputes shall be subject to the exclusive jurisdiction of the courts of Malta. For EU consumers, this does not affect your statutory rights.

23. Dispute Resolution

Contact us first at hello@onebots.ai. The European Commission provides an online dispute resolution platform at ec.europa.eu/consumers/odr.

24. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms shall remain in full force and effect.

25. Entire Agreement

These Terms, together with the Privacy Policy and any additional agreements you enter into with One Finance Limited, constitute the entire agreement between you and One Finance Limited regarding the use of the platform and supersede all prior or contemporaneous communications, proposals, and representations with respect to the platform.

26. No Waiver

The failure of One Finance Limited to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by One Finance Limited.

27. Assignment

You may not assign or transfer these Terms, or any rights or obligations under these Terms, without the prior written consent of One Finance Limited. One Finance Limited may assign these Terms without restriction, including in connection with a merger, acquisition, corporate reorganisation, or sale of all or substantially all of its assets.

28. Contact