Terms of Service

Product Nerve AI Operated by Product Nerve AI Limited, a company incorporated under the laws of the Federal Republic of Nigeria, with its principal business location in Lagos, Nigeria, trading as Product Nerve AI and Product Nerve ("Product Nerve", "PNAI", "we", "us", "our") Effective date: 24 August 2026 · Last updated: 24 August 2026 Contact: [legal@productnerve.com]

1. The agreement

These Terms govern your use of Product Nerve AI: productnerve.com, app.productnerve.com, our mobile applications, and every feature we operate under the Product Nerve AI name (together, the "Service"). By creating an account or using the Service you agree to these Terms, the Privacy Policy, the Cookie Policy, the Acceptable Use Policy, and the Data Handling Policy, which are all part of this agreement. If you use the Service on behalf of a company, you confirm you have authority to bind that company, and "you" includes it.

You must be at least 18 years old and able to form a binding contract. Identity verification is required for every account and enforces this.

2. The Service, described honestly

Product Nerve AI is a venture intelligence platform. You create a workspace, create projects, run a three phase validation of a startup idea, and use studio tools that generate structured business documents. Outputs are produced with the assistance of third party AI models processing the content you provide.

What the Service is not. Validation scores, reports, and every generated document (including financial forecasts, cap table models, pitch materials, and the Co-founder Agreement template) are analytical outputs and drafting aids. They are not legal advice, financial advice, investment advice, tax advice, or accounting advice, and no output creates a professional client relationship of any kind. A high score is not a promise your venture will succeed, a low score is not a determination it will fail, and you should engage qualified professionals before acting on any output, especially before signing any agreement generated on the platform. You are responsible for the decisions you make.

3. Accounts and verification

1. You must provide accurate information at signup and keep it current.
2. Personal identity verification (KYC) is required before you can create a workspace. Business verification (KYB) is optional until you use features that require it, and is reviewed manually by our staff.
3. You are responsible for safeguarding your credentials and for all activity under your account. Tell us immediately at [security@productnerve.com] if you suspect unauthorized access.
4. We may refuse, suspend, or close accounts that fail verification, violate these Terms or the Acceptable Use Policy, or create risk for us or other users. Where reasonable, we will notify you and give you the chance to export your content, except where fraud, legal obligation, or security prevents it.

4. Plans, payments, and billing

Tiers. The Service offers a free tier, paid monthly subscriptions (currently Starter, Growth, and Scale), and a one time per project unlock. Current pricing, limits (projects, storage, seats), and what each tier includes are stated on the pricing page, which forms part of these Terms. We may change prices with at least 30 days notice; changes apply from your next billing cycle, and if you do not accept them you may cancel before they take effect.

Processors and merchant of record. Payments are handled by Paystack, by Paddle, or through the Apple App Store or Google Play (managed via RevenueCat), depending on your market and platform. Where Paddle processes your purchase, Paddle.com Market Ltd (or its affiliate) acts as merchant of record: your purchase contract for that transaction is with Paddle, and Paddle's terms and refund handling apply alongside ours. Where Paystack processes your purchase, Product Nerve AI Limited is the merchant and Paystack is the payment service provider. Mobile purchases are additionally subject to the app store's terms. We never receive your full card details.

Billing mechanics. Subscriptions renew automatically each month until cancelled. Cancellation takes effect at the end of the current billing period; you keep access until then. If a renewal payment fails we will retry and notify you, and continued failure downgrades the workspace to read only access to your content. Project unlocks are one time charges tied to a single project. Seat and storage add ons are billed with the subscription. Taxes (including VAT where applicable) are handled by the payment processor for your market and may be added at checkout.

Refunds. Project Unlock: refundable within 14 days of purchase if the project has not yet been unlocked, accessed, or consumed. Once you affirmatively unlock a project and we begin delivering the analysis, the purchase becomes non refundable to the extent the law allows. If you are an EU consumer, the unlock flow will ask for your express consent and acknowledgement that immediate delivery of digital content may end your statutory right of withdrawal before unlocking proceeds. Your statutory rights relating to a defective, non conforming, or undelivered service are unaffected. Subscriptions: your initial subscription is refundable within 14 days of the first charge. To stop the next renewal, cancel at least 3 days before the next billing date. If a renewal charge still goes through, you can request a voluntary refund within 7 days of that charge. A subscription used beyond these windows is not ordinarily refundable except where the law requires it, and cancelling stops future renewals without automatically refunding a charge already validly incurred. In every case: nothing here reduces a non waivable statutory right, including the 14 day withdrawal right EU consumer law gives for digital services and digital content, or rights available under Nigeria's Federal Competition and Consumer Protection Act or other applicable consumer protection law, and rights Paddle's or the app stores' own policies grant for transactions they control apply alongside ours. Approved refunds are processed through the original payment provider.

Downgrades. If your tier no longer covers what you have (for example more projects than the new tier allows), nothing is deleted: excess items become read only until you upgrade or remove them.

5. Your content and our platform

You own your content. Everything you upload and everything the Service generates inside your projects (reports, documents, artifacts) belongs to you. We claim no ownership of it. You can export it and you can delete it.

Licence to us. You grant us a limited, non exclusive licence to host, process, transmit, and display your content solely to operate, secure, and improve the Service, including sending relevant content to our AI providers to produce your outputs, as described in the Privacy and Data Handling Policies. This licence ends when the content is deleted, subject to backup cycles described in the Data Handling Policy.

We own the platform. The Service itself, including its software, design, evaluation methodology, scoring systems, templates, prompts, branding, and documentation, is our intellectual property or that of our licensors. No right is granted to copy, extract, reverse engineer, or resell it except as these Terms allow. The names "Product Nerve" and "Product Nerve AI" and our logos are our marks.

Your responsibility for content. You confirm you have the rights to everything you upload and that your use of outputs will comply with law. AI generated outputs may be similar to outputs generated for others where inputs are similar; to the extent we hold any interest in generated outputs, we assign it to you on generation.

Feedback. If you send us ideas or suggestions, we may use them without obligation to you.

6. Acceptable use

The Acceptable Use Policy is part of these Terms. In short: no unlawful use, no attacking or overloading the Service, no attempts to extract, probe, or manipulate the evaluation system or its prompts, no scraping, no uploading content you have no right to, no using the Service to harm others. Violations can lead to suspension or termination.

7. Third party services

The Service depends on third party providers (hosting, AI models, identity verification, payments, email, analytics) listed in the Privacy and Data Handling Policies. We choose and contract with them carefully, but we do not control them, and their availability affects ours.

8. Availability, changes, and beta features

We aim for high availability but do not guarantee uninterrupted service. We may change, add, or retire features; if a change materially reduces a paid feature you rely on, you may cancel and receive a pro rata refund of prepaid unused fees for the affected period. Features marked beta or coming soon are provided as is and may change or be withdrawn.

9. Disclaimers

To the maximum extent the law allows, the Service is provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non infringement. We do not warrant that outputs will be accurate, complete, or suitable for your purposes. Nothing in these Terms excludes rights that consumer law in your country grants you that cannot be excluded.

10. Limitation of liability

To the maximum extent the law allows: (a) neither party is liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, goodwill, or data, even if advised of the possibility; (b) our total aggregate liability arising out of or relating to the Service is limited to the greater of the amounts you paid us in the 12 months before the event giving rise to the claim and USD 100. Nothing limits liability for fraud, wilful misconduct, gross negligence, or any liability that cannot be limited by law. Business decisions made in reliance on outputs are yours; the exclusions in section 2 apply.

11. Indemnity

You will indemnify us against third party claims arising from your content, your breach of these Terms, or your unlawful use of the Service. We will notify you promptly of any such claim and allow you to control the defence where appropriate.

12. Termination

You may close your account at any time in settings. On closure, the 30 day soft delete and purge cycle in the Data Handling Policy applies, and you may export your content before closure. We may suspend or terminate per section 3.4. Sections that by nature survive (ownership, disclaimers, liability limits, disputes) survive termination.

13. Governing law and disputes

These Terms are governed by the laws of the Federal Republic of Nigeria, and Lagos State, Nigeria is the primary venue. Disputes will first be attempted in good faith negotiation for 30 days, then referred to arbitration in Lagos, Nigeria under the Arbitration and Mediation Act 2023, one arbitrator, conducted in English, and judgment on the award may be entered in any competent court. Either party may seek urgent injunctive relief in court. Where the mandatory consumer law of your country of residence gives you the right to bring claims in your local courts or under local law, nothing here removes that right. We currently operate internationally through Product Nerve AI Limited. This clause and the entity references throughout these Terms will be reviewed once our planned Delaware entity is incorporated: counsel will determine how customers, contracts, intellectual property, payments, and liabilities are allocated between Product Nerve AI Limited and the Delaware entity, and these Terms, the Privacy Policy, payment documentation, and other entity references will be updated where necessary. The Delaware entity does not replace Product Nerve AI Limited as the contracting party under these Terms until that structure is formally determined.

14. Assignment and corporate changes

You may not assign these Terms without our consent. We may assign them to an affiliate or successor, including the planned United States (Delaware) entity, provided your rights are not reduced; we will notify you of any such assignment.

15. General

These Terms plus the referenced policies are the entire agreement. If a provision is unenforceable, the rest stands. Our failure to enforce is not waiver. Notices to you go to your account email; notices to us go to [legal@productnerve.com]. We may update these Terms with at least 14 days notice for material changes; continued use after the effective date is acceptance.