Terms of Service

Last Updated: August 30, 2026

Effective immediately upon posting.

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Fanattik Tech Labs LLC, a limited liability company registered in the State of Delaware, United States ("Company," "Billow," "we," "us," or "our"). These Terms govern your access to and use of the Billow mobile application, website, API, and all related products and features (collectively, the "Services"). By downloading, installing, creating an account, or otherwise using the Services, you agree to be bound by these Terms in their entirety. If you do not agree, you must immediately cease using the Services.

1. Platform Nature — Communications & Discovery Only

Billow is a technology platform that facilitates communications and discovery between independent business owners and consumers. Fanattik Tech Labs LLC does not provide, perform, supervise, endorse, guarantee, employ, vet, background-check, license, bond, or insure any business, service provider, or individual listed on the platform. We are not a contractor, employment agency, staffing firm, or service provider of any kind. We do not control the quality, safety, legality, pricing, or outcome of any services offered or rendered through the platform.

A. Independent Third Parties

All businesses, service providers, and users on Billow are independent third parties entirely unaffiliated with Fanattik Tech Labs LLC. Any agreement for services is solely between the consumer and the service provider. Fanattik Tech Labs LLC is not a party to any such agreement and has no obligations under it.

B. User Sole Responsibility

You are solely responsible for selecting, evaluating, vetting, negotiating with, hiring, supervising, and paying any business you engage through the Services. You must independently verify all licenses, insurance, bonds, permits, references, and qualifications before engaging any service provider. Reliance on Trust Scores, reviews, or AI-generated summaries to make hiring decisions is at your own risk.

C. Release of Claims

You hereby unconditionally and irrevocably release, waive, and covenant not to sue Fanattik Tech Labs LLC, its affiliates, officers, directors, employees, agents, licensors, and shareholders (collectively, the "Billow Parties") from and against any and all claims, liabilities, damages, losses, and expenses of any kind arising out of or in any way related to: (i) the acts or omissions of any business or user on the platform; (ii) any service performed or not performed by any such third party; (iii) any property damage, personal injury, or death caused by any third party you engaged through the Services.

2. AI-Generated Content — Mandatory Review Obligation

All AI-generated outputs produced by the Services — including but not limited to announcements, promotional captions, pricing suggestions, content ideas, business profile summaries, Rudy AI responses, reputation insights, and any other machine-generated text or images — are provided strictly "as is" for informational and convenience purposes only. They are not verified, audited, or endorsed by Fanattik Tech Labs LLC. AI outputs may be inaccurate, incomplete, biased, or inappropriate. You have a mandatory obligation to review, verify, and approve all AI-generated content before publishing, sharing, or acting upon it. Fanattik Tech Labs LLC expressly disclaims all liability for any consequence — including business loss, reputational harm, legal liability, regulatory sanction, or any other damage — arising from your publication or use of AI-generated content without adequate independent review.

A. Promotional Content & Advertising Law Compliance

AI-generated announcements, captions, and promotional copy may contain claims about pricing, availability, service scope, or special offers that do not accurately reflect your actual business practices. You are solely responsible for ensuring all content you publish complies with all applicable advertising laws and regulations, including but not limited to FTC guidelines, state consumer protection statutes, and any industry-specific advertising rules. Fanattik Tech Labs LLC is not liable for false, misleading, or deceptive advertising claims contained in AI-generated content that you publish.

B. AI Visibility & Public Profiles

Billow automatically generates a public business profile page at billow.app/pro/your-slug, which is indexed by search engines and AI platforms (including ChatGPT, Google Gemini, and Perplexity). You are responsible for reviewing your public profile for accuracy. Fanattik Tech Labs LLC is not responsible for how third-party AI platforms index, cite, interpret, or present information derived from your public profile, nor for any consequence arising therefrom.

C. Pricing & Financial Suggestions

Any AI-generated pricing guidance, market rate estimates, or financial suggestions provided by the Services are informational only. They do not constitute professional financial, legal, accounting, or business advice. Do not rely on them as your sole basis for making financial decisions.

3. Rudy AI Voice Agent — Specific Terms & Disclaimers

The Rudy AI Voice Agent ("Rudy") is an automated AI telephony system. Fanattik Tech Labs LLC is not a telecommunications carrier, licensed telephony provider, or registered agent for any business. Rudy is a software tool only. All calls answered by Rudy and all commitments made during a Rudy call are entirely between the business owner and the caller. Fanattik Tech Labs LLC is not a party to any such call, any commitment made during such a call, or any outcome arising from such a call.

A. Automated System Disclosure

Rudy is a fully automated AI system. Callers interacting with Rudy are not speaking with a human representative of Fanattik Tech Labs LLC. Business owners who activate Rudy are solely responsible for ensuring callers are aware they are interacting with an AI system, to the extent required by applicable law.

B. Business Owner Obligations

By activating the Rudy AI Voice Agent, you, as the business owner, represent and warrant that:

  • The information in your business profile (services, pricing, availability, hours, policies) is accurate and up to date, since Rudy uses this information to respond to callers.
  • You will maintain the accuracy of your profile and update it promptly when any information changes.
  • You have obtained any consents and complied with all applicable laws regarding call recording, AI disclosures, and telephony in your jurisdiction (including, without limitation, compliance with two-party consent recording laws in states such as California, Florida, Illinois, and others).
  • You will honor any bookings, appointments, or commitments confirmed via a Rudy call, regardless of whether Rudy communicated incorrect pricing or availability due to stale profile information.

C. No Liability for Rudy Call Outcomes

Fanattik Tech Labs LLC expressly disclaims all liability for:

  • Any inaccurate information communicated by Rudy to a caller, including incorrect pricing, service scope, or availability.
  • Any missed calls, dropped calls, or Rudy system unavailability.
  • Any failed, double-booked, or incorrectly scheduled appointments made via Rudy.
  • Any consumer or business claim arising out of or related to a Rudy-handled call, including claims of misrepresentation, breach of contract, or consumer fraud.
  • Any recording, transcription, or data derived from a Rudy call being subpoenaed, disclosed, or used in legal proceedings.
  • Any regulatory fine, penalty, or legal action arising from your failure to comply with applicable telephony or recording laws.

D. Consumer Acknowledgment

If you call a Rudy-enabled business phone number, you acknowledge that you are interacting with an AI system, that the call is being recorded and transcribed, and that Fanattik Tech Labs LLC is not a party to your interaction with the business and has no responsibility for any outcome of that interaction.

4. No Warranties

To the fullest extent permitted by applicable law, the Services, all content, all AI outputs, the Rudy AI Voice Agent, the Town Feed, business profiles, trust scores, reviews, and all other features are provided "as is" and "as available," without any warranties of any kind, whether express, implied, statutory, or otherwise, including but not limited to any implied warranties of merchantability, fitness for a particular purpose, title, accuracy, non-infringement, quiet enjoyment, or freedom from errors or viruses. Fanattik Tech Labs LLC does not warrant that the Services will be uninterrupted, error-free, secure, or free from harmful components. No advice or information obtained from us or through the Services will create any warranty not expressly stated in these Terms.

5. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall Fanattik Tech Labs LLC or any of the Billow Parties be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of revenue, loss of profits, loss of business, loss of data, loss of goodwill, business interruption, personal injury, property damage, death, or any other loss or damage of any kind, arising out of or in connection with: (i) your use of or inability to use the Services; (ii) any AI-generated content you publish or rely upon; (iii) any Rudy AI call or outcome thereof; (iv) any interaction with another user or third-party service provider; (v) any subscription billing or credit transaction; or (vi) any unauthorized access to or alteration of your data — even if Fanattik Tech Labs LLC has been advised of the possibility of such damages. Where liability cannot be excluded by law, it is limited to the greater of (a) USD $100 or (b) the total amount you paid to Fanattik Tech Labs LLC in the twelve (12) months immediately preceding the claim.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for incidental or consequential damages. In such jurisdictions, the above limitations apply to the fullest extent permitted by law.

6. Indemnification

You agree to defend, indemnify, and hold harmless the Billow Parties from and against any and all claims, demands, actions, liabilities, damages, penalties, fines, losses, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or relating to:

  • Your use of or access to the Services.
  • Any AI-generated content you publish or distribute through the Services.
  • Any call, recording, or interaction facilitated by the Rudy AI Voice Agent on your behalf.
  • Your violation of these Terms, any applicable law, or the rights of any third party.
  • Any dispute between you and any other user or third-party service provider.
  • Your failure to comply with applicable telephony, recording, advertising, or consumer protection laws.
  • Any misrepresentation in your business profile, announcements, or public content.

Fanattik Tech Labs LLC reserves the right, at your expense, to assume exclusive defense and control of any matter subject to indemnification. You agree to cooperate fully with our defense of such claims. You may not settle any claim without our prior written consent.

7. User Content & Conduct

A. Ownership & License

You retain ownership of content you submit to the Services. By submitting content, you grant Fanattik Tech Labs LLC a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, display, modify, and create derivative works from that content for the purposes of operating, improving, and promoting the Services, including training AI models.

B. Content Standards

You are solely responsible for all content you post or publish. You represent and warrant that your content: (i) is accurate and not misleading; (ii) does not infringe any third-party intellectual property rights; (iii) does not violate any applicable law; (iv) is not defamatory, harassing, obscene, or harmful. You must not submit sensitive personal information (government IDs, financial account numbers, passwords, medical data) to any public or semi-public area of the Services.

C. Prohibited Uses

You agree not to: post illegal, harmful, infringing, or hateful content; impersonate any person or entity; scrape or harvest data from the Services without authorization; attempt to reverse engineer, decompile, or otherwise extract source code; use the Services to spam or send unsolicited communications; or engage in any activity that interferes with the integrity, performance, or security of the Services. We reserve the right to remove content and suspend or terminate accounts at our sole discretion without notice.

8. Subscription Billing, Credits & Payments

A. Founding Member Access

The first 100 business registrations per city during the designated founding access period receive access to the Services at $0/month ("Founding Member Pricing"). This is a promotional rate granted at our sole discretion. It is subject to continued compliance with these Terms and may be revoked if: (i) the account violates these Terms; (ii) the account is inactive for more than 12 consecutive months; or (iii) Billow determines, in its sole discretion, that a material change in the Services warrants a pricing adjustment, in which case 30 days' advance written notice will be provided.

B. Standard Subscription

Business accounts beyond the founding allocation are billed at the then-current monthly rate (currently $29.99/month, subject to change). Subscriptions are billed monthly in advance via PayPal recurring billing. By subscribing, you authorize Fanattik Tech Labs LLC to charge your PayPal account on a recurring monthly basis until you cancel. All payments are processed by PayPal and are subject to PayPal's terms of service.

C. In-App Credits

Certain AI features (announcement generation, AI image generation, geo ad activation) consume in-app credits. Credits are purchased in-app via PayPal or through the Apple App Store / Google Play Store. All credit purchases are final and non-refundable. Credits have no cash value and cannot be transferred, sold, or redeemed for cash. Unused credits are forfeited upon account termination or closure. We are not responsible for credits consumed due to errors in your business profile or content that you did not review before activating.

D. Geo Ad Daily Charges

When you activate a geo ad, 1 credit is automatically deducted from your wallet balance each day the ad is active. If your balance reaches zero, the ad will be automatically deactivated. We are not responsible for any disruption to your advertising resulting from insufficient credits, and no refunds or credits will be issued for periods of deactivation.

E. Cancellation

You may cancel your subscription at any time through your PayPal account settings or by contacting us at connect@billowai.net. Cancellation takes effect at the end of the current paid billing period. You will continue to have access to paid features until the end of the billing period. No prorated refunds are issued for mid-period cancellations.

F. Refund Policy

Except as required by applicable law (including Apple App Store and Google Play Store refund policies for purchases made through those platforms), all subscription payments and credit purchases are non-refundable. If you believe you were charged in error, contact us at connect@billowai.net within 14 days of the charge. We will investigate and, if warranted, issue a credit or refund at our sole discretion.

G. Price Changes

We reserve the right to change subscription pricing at any time. We will provide at least 30 days' advance written notice via email or in-app notification before any price increase takes effect. Continued use of the Services after a price change constitutes your acceptance of the new pricing.

H. Taxes

All prices are exclusive of applicable taxes. You are responsible for all sales, use, GST, VAT, and other taxes imposed by any taxing authority on your purchases.

9. Termination & Suspension

Fanattik Tech Labs LLC reserves the right to suspend or terminate your account and access to the Services at any time, with or without notice, for any reason or no reason, including but not limited to violation of these Terms, non-payment, fraudulent activity, or conduct harmful to other users or the platform. Upon termination: (i) your right to use the Services ceases immediately; (ii) any unused credits are forfeited without refund; (iii) your public business profile may be removed or delisted at our discretion. Sections 1–6 and 10–12 survive termination.

10. Dispute Resolution & Governing Law

A. Disputes Between Users

Fanattik Tech Labs LLC is not a party to disputes between users (e.g., between a consumer and a service provider). We have no obligation to intervene. You are solely responsible for resolving all such disputes directly with the other party.

B. Governing Law

These Terms and any dispute arising out of or relating to the Services shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

C. Binding Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services that cannot be resolved informally shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration shall be conducted in Delaware, USA, or virtually if both parties agree. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

D. Class Action Waiver

You waive any right to bring or participate in a class action, collective action, private attorney general action, or any other representative proceeding against Fanattik Tech Labs LLC. All claims must be brought on an individual basis only. This waiver is a material term of these Terms. If this waiver is found unenforceable for a particular claim, that claim shall be severed and litigated in court, but all other claims remain subject to arbitration.

E. Jury Trial Waiver

To the extent any matter proceeds in court (e.g., where arbitration is not enforceable), both parties irrevocably waive any right to a trial by jury.

F. Statute of Limitations

Any claim arising out of or relating to these Terms or the Services must be brought within one (1) year of the date on which the cause of action accrued, or it is permanently barred. This limitation applies regardless of any statute of limitations to the contrary.

11. Intellectual Property

The Services, including all software, AI models, designs, text, graphics, logos, and trademarks, are the exclusive property of Fanattik Tech Labs LLC or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any part of the Services without our prior written consent.

12. General Provisions

A. Entire Agreement

These Terms, together with the Privacy Policy and any additional terms applicable to specific features, constitute the entire agreement between you and Fanattik Tech Labs LLC regarding the Services and supersede all prior agreements.

B. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision shall be severed or modified to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

C. No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of Fanattik Tech Labs LLC.

D. Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction, including in connection with a merger, acquisition, or sale of assets.

E. Force Majeure

Fanattik Tech Labs LLC shall not be liable for any delay or failure in performance resulting from causes beyond our reasonable control, including acts of God, war, terrorism, pandemic, government action, natural disasters, internet or telecommunications outages, or third-party service failures.

F. Modifications

We may modify these Terms at any time by posting updated Terms to this page with a new "Last Updated" date. Material changes will be communicated via email or in-app notification where feasible. Your continued use of the Services after the effective date of any modification constitutes your acceptance of the modified Terms.

G. Contact

Fanattik Tech Labs LLC
Email: connect@billowai.net
State of Incorporation: Delaware, USA

© Fanattik Tech Labs LLC. All rights reserved.