Terms of Service

4.1 — Informational Purposes Only

4.2 — No Warranty on Website Content

4.3 — Performance Claims

Any case studies, testimonials, examples, or performance statistics on the Website are illustrative only and represent past results under specific circumstances. They do not guarantee or predict future results. Individual results will vary materially based on numerous factors outside our control, including market conditions, lead quality, Client implementation, and regulatory environment.

4.4 — Third-Party Content and Links

The Website may reference or link to third-party websites, products, or services. WE HAVE NO CONTROL OVER SUCH THIRD-PARTY CONTENT AND ASSUME NO RESPONSIBILITY FOR ITS ACCURACY, LEGALITY, OR APPROPRIATENESS. References to third parties do not constitute endorsement or recommendation.

5.1 — AI-Generated Communications

5.2 — No Warranty on AI Performance

5.3 — AI Disclosure Obligations

Where required by Applicable Law, our AI voice agents will identify themselves as AI upon direct inquiry. Clients are solely responsible for ensuring that their deployment of our AI Services complies with all applicable AI disclosure requirements in their jurisdiction.

5.4 — Continuous Development

Our AI systems are under continuous development. Features, capabilities, and behaviors may change without notice to improve performance, safety, or regulatory compliance.

6.1 — Express Consent Required

Client represents and warrants that all End Recipients have provided legally sufficient prior express written consent (or equivalent consent as required by Applicable Law) to receive AI-generated calls, SMS messages, and/or emails through our Services. Client shall maintain records of all such consents and provide evidence of consent to us upon request.

6.2 — TCPA (United States)

For US-based End Recipients, Client acknowledges that calls and texts using artificial or prerecorded voice, or automatic telephone dialing system capabilities, are subject to the Telephone Consumer Protection Act, 47 U.S.C. § 227 ("TCPA") and FCC regulations thereunder, and that prior express written consent is required for such communications to wireless numbers.

6.3 — CASL (Canada)

For Canadian End Recipients, Client acknowledges that commercial electronic messages (including SMS and email) are subject to Canada's Anti-Spam Legislation ("CASL"), S.C. 2010, c. 23, and that express or implied consent (as applicable under CASL) is required before sending such messages.

6.4 — Do-Not-Call and Suppression Lists

Client is solely responsible for maintaining and applying current Do-Not-Call lists, suppression lists, and any contact exclusion requirements mandated by Applicable Law, including the CRTC's National Do Not Call List and applicable state or provincial equivalents.

9A.1 — Scope of Implementation Services

As part of onboarding or ongoing account management, SayVo AI may perform implementation tasks on behalf of Client, including without limitation: uploading contact lists, configuring AI agent scripts and call flows, setting up CRM integrations, importing lead data, scheduling campaigns, adjusting AI parameters, and other operational tasks ("Implementation Services"). Implementation Services are performed solely at the direction and on behalf of Client.

9A.2 — Client Retains Full Responsibility

9A.3 — No Obligation to Verify, Audit, or Screen

By providing data, lists, scripts, or instructions to SayVo AI — whether through self-service upload, email, shared drive, verbal instruction, or any other means — Client represents and warrants that: (a) all such materials are lawfully obtained and accurate; (b) all required consents have been secured; (c) all applicable DNC and suppression list checks have been performed; and (d) all content complies with Applicable Law in every relevant jurisdiction.

9A.4 — Indemnification for Client-Provided Materials

Without limiting the general indemnification obligations in Section 17, Client shall specifically indemnify, defend, and hold harmless the Released Parties from any and all claims, fines, penalties, damages, and costs arising from or relating to any data, contact list, script, or instruction provided by Client to SayVo AI, including claims arising from DNC violations, unsolicited communications, or regulatory enforcement actions, regardless of whether SayVo AI performed the technical act of uploading, configuring, or initiating such communications on Client's behalf.

10.1 — Fees

Service fees are set forth in the applicable Commercial Agreement and are due at the start of each billing cycle unless otherwise specified.

10.2 — No Refund Policy

Without limiting the foregoing, no refund shall be issued for: (a) monthly or annual subscription fees, whether partially used or unused; (b) setup fees, onboarding fees, or implementation charges; (c) any fees associated with AI agent configuration, script development, or deployment; (d) overage charges or usage-based fees already incurred; (e) fees for periods during which the Service was available but Client elected not to use it; (f) fees remaining under a commitment period upon early termination; or (g) any other charges arising under the Commercial Agreement.

Client acknowledges that SayVo AI incurs substantial costs in provisioning infrastructure, configuring AI agents, and allocating resources upon onboarding, and that these costs cannot be recovered upon cancellation. By subscribing to or purchasing any Service, Client expressly waives any right to seek a refund, chargeback, or reversal of payment except as strictly required by mandatory law in Client's jurisdiction.

If Client initiates a chargeback or payment dispute with a payment processor or financial institution, SayVo AI reserves the right to (i) immediately suspend or terminate all Services, (ii) pursue collection of the disputed amount plus any associated fees, and (iii) report the outstanding balance to credit reporting agencies where permitted by law.

10.3 — Late Payment

Invoices not paid within agreed terms may accrue interest at 1.5% per month (18% per annum), or the maximum rate permitted by law, whichever is lower. We reserve the right to suspend Services without liability in the event of non-payment.

10.4 — Taxes

All fees are exclusive of applicable taxes, duties, and levies. Client is responsible for all applicable taxes arising from procurement of our Services.

12.1 — Our Property

All software, AI models, algorithms, workflows, automations, integrations, scripts, documentation, trademarks, and other intellectual property developed by or for SayVo AI ("Company IP") are and shall remain our exclusive property. These Terms grant no right, title, or interest in any Company IP except for the limited license below.

12.2 — Limited License

Subject to Client's compliance with these Terms and timely payment of all fees, SayVo AI grants Client a limited, non-exclusive, non-transferable, revocable license to access and use the Services during the term of the applicable Commercial Agreement, solely for Client's internal business purposes.

12.3 — License Revocation

This license is automatically revoked upon termination or expiration of the Commercial Agreement or Client's material breach of these Terms. Upon revocation, Client must immediately cease all use of the Services and platform.

13.1 — No Service Level Guarantee

13.2 — Modifications to Services

We reserve the right to modify, suspend, deprecate, or discontinue any feature, functionality, or component of the Services at any time, with or without notice. We may impose new or additional conditions, limitations, or restrictions on use of the Services. We shall have no obligation to maintain backward compatibility, preserve historical data formats, or continue supporting deprecated features.

13.3 — Beta and Experimental Features

Certain features may be designated as beta, experimental, preview, or early access. Such features are provided for evaluation purposes only, may contain bugs or errors, may be modified or withdrawn at any time, and are subject to additional disclaimers as communicated at the time of release.

14.1 — Marketing and Promotional Materials

All statements, statistics, testimonials, and performance metrics displayed on the Website, social media, or marketing materials are provided for informational and illustrative purposes only. Such materials do not constitute contractual commitments, guarantees of performance, or warranties of any kind. Actual results may vary based on factors including but not limited to Client's industry, data quality, configuration, and market conditions.

15.1 — Exclusion of Consequential Damages

15.2 — Cap on Direct Damages

15.3 — Essential Basis of the Bargain

The parties acknowledge and agree that: (a) the disclaimers, exclusions, and limitations in Sections 13 through 16 are a fundamental element of the basis of the bargain between the parties; (b) SayVo AI would not provide the Website or Services at the agreed fees without these provisions; (c) these provisions shall apply even if any limited remedy fails of its essential purpose; and (d) these provisions allocate risk between the parties in a manner that is reasonable and commercially appropriate given the nature and pricing of the Services.

15.4 — No Liability for Third-Party Actions

Without limiting the foregoing, the Released Parties shall have no liability for: (a) actions, omissions, or communications of End Recipients; (b) failures, errors, or outages of third-party telephony carriers, SMS gateways, email service providers, cloud hosting providers, or any other third-party infrastructure; (c) regulatory or legal actions brought against Client by any governmental authority; (d) Client losses resulting from data provided by Client that is inaccurate, outdated, or unlawfully obtained; or (e) market conditions, economic downturns, or competitive dynamics affecting Client's business.

16A.1 — Scope of Script Compliance

Script Compliance Guardrails apply only to content and conversation logic expressly configured and approved by Client. SayVo AI does not guarantee that AI agents will never deviate from approved scripts under all circumstances, including but not limited to: (a) edge-case conversations not anticipated in the approved script library; (b) ambiguous or unexpected borrower responses; (c) concurrent system updates or model changes; or (d) interactions involving content not covered by the configured guardrails.

16A.2 — Client Responsibility for Regulatory Compliance

Script Compliance Guardrails are a conversation-quality tool, not a regulatory compliance solution. Client retains sole responsibility for ensuring that all AI-generated communications comply with applicable federal, state, provincial, and local laws, including without limitation TCPA, CASL, DNC regulations, SAFE Act requirements, state lending disclosure rules, and any industry-specific rules governing mortgage advertising and solicitation. SayVo AI provides tools and guidance to support Client's compliance efforts, but does not act as a compliance officer, legal advisor, or regulatory consultant.

16A.3 — No Liability for AI Outputs

SayVo AI shall have no liability for any losses, claims, fines, penalties, damages, or regulatory actions arising from: (a) any statement, representation, or promise made by an AI agent during a call, SMS, or email, including but not limited to rate quotes, approval guarantees, fee estimates, or product recommendations; (b) any borrower or third-party reliance on AI-generated outputs; (c) any regulatory violation resulting from AI-generated content, even if Script Compliance Guardrails were enabled; or (d) Client's failure to review, audit, and approve AI scripts and configurations prior to deployment.

18.1 — Month-to-Month Plans

Clients on a month-to-month plan may cancel with fourteen (14) days' written notice without incurring an early termination fee.

18.2 — Commitment Plans — Early Termination

Clients enrolled in a discounted commitment plan who cancel prior to end of the commitment period are responsible for an early termination fee equal to the remaining balance of the commitment period fees, prorated monthly.

18.3 — Termination for Cause

SayVo AI may suspend or terminate Client access immediately, without notice or liability, if Client: (a) materially breaches these Terms and fails to cure within 10 days of written notice; (b) engages in fraudulent or illegal activity; (c) becomes insolvent or files for bankruptcy; or (d) continued provision of Services would expose SayVo AI to regulatory, legal, or reputational risk.

18.4 — Effects of Termination

Upon termination: (a) all licenses are immediately revoked; (b) Client's platform access is disabled; (c) all outstanding fees become immediately payable; and (d) Client Data is deleted per our data retention policy.

22.1 — Informal Resolution

Before initiating formal proceedings, the parties agree to attempt in good faith to resolve any dispute by senior management negotiation for 30 days following written notice of the dispute.

22.2 — Arbitration

If informal resolution fails, any commercial dispute may be referred to binding arbitration under the rules of the ADR Institute of Canada, seated in Toronto, Ontario. The language of arbitration shall be English. The arbitration award shall be final and binding.

22.3 — Exceptions

Nothing in this Section prevents either party from seeking emergency injunctive or other equitable relief from a court of competent jurisdiction to prevent irreparable harm.

SayVo AI (16047203 Canada Inc.) — d/b/a SayVo.ai

Email: contact@sayvo.ai

Website: https://sayvo.ai

Mailing Address: PO Box 338, Station A, Toronto, ON M5W 1C5, Canada

SMS support: Reply HELP to any message  |  Opt out: Reply STOP to any message