Terms and Conditions
Last updated: August 7, 2026
These Terms of Service (“Terms”) govern your access to and use of the Services provided by Trading Buddy Ltd, trading as UrBuddy AI and urbuddy.ai (“UrBuddy AI”, “Company”, “we”, “us”, “our”), to you (“Client”, “Customer”, “you”, “your”).
By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, you must immediately cease using the Services.
1. Definitions
1.1 “Account” means the user profile required to access the Services, created by registering at URBUDDY.AI.
1.2 “Affiliate” means any entity that directly or indirectly controls, is controlled by, or is under common control with the Company.
1.3 “Authorized User” means any employee, contractor, representative or other individual whom you authorize to access or use the Services through your Account.
1.4 “Brand Materials” means trade marks, trade names, logos, brand guidelines, product images, visual elements and other brand-related materials submitted by you for use with the Services.
1.5 “Billing Cycle” means the recurring period for which a Subscription is billed in advance, whether monthly, quarterly, half-yearly or annually, as specified in the applicable Order.
1.6 “Credits” means usage units required to access specified generation features or perform specified actions. Credits have no monetary value, are not legal tender and cannot be redeemed for cash, except as expressly provided in Section 10.7.
1.7 “Content” means marketing materials, including text, images, emails and advertisements, generated through the Services.
1.8 “Company” means Trading Buddy Ltd, a company registered in England and Wales under company number 15446178, with its registered office at 128 City Road, London EC1V 2NX, United Kingdom. UrBuddy AI and urbuddy.ai are trading names of Trading Buddy Ltd.
1.9 “Inputs” means prompts, instructions, briefs, parameters, files, images, video, audio, data, Brand Materials and other content or information submitted by you or your Authorized Users.
1.10 “Fees” means all amounts payable for a Subscription, Credits or other Services, excluding VAT and similar taxes unless stated otherwise.
1.11 “Order” means a checkout page, online order, order form or other written ordering document accepted by us.
1.12 “Outputs” means text, images, video, audio, advertising material, marketing assets, analyses or other content generated through the Services in response to Inputs.
1.13 “Services” means the UrBuddy AI-powered platform available through urbuddy.ai and related tools, features, applications and services used to generate, edit, manage or otherwise work with Outputs.
1.14 “Subscription” means a recurring, automatically renewing right to access the Services and receive the features and Subscription Credits included in a Subscription Plan, subject to payment.
1.15 “Subscription Credits” means Credits allocated under a Subscription for a particular Billing Cycle.
1.16 “Subscription Plan” means the package of features, limits, Subscription Credits, pricing and Billing Cycle identified in an Order or at checkout.
1.17 “Top-Up Credits” means Credits purchased separately from Subscription Credits.
1.18 “You” or “Your” means the business, organisation, sole trader or independent professional acting in the course of business who creates an Account, accepts these Terms or places an Order.
2. These Terms and who can use the Services
2.1 These Terms form the contract between you and Trading Buddy Ltd for use of the UrBuddy AI platform. They apply when you create an Account, place an Order or accept these Terms.
2.2 The Services are available only for business or professional use and are not offered for personal, family or household purposes.
2.3 You confirm that you are a legal entity, sole trader or independent professional and use the Services solely for business or professional purposes.
2.4 To the extent permitted by law, rights and remedies available only to consumers do not apply. Nothing in these Terms excludes any right that cannot lawfully be excluded.
2.5 If we reasonably determine that the Services are being used for consumer or personal purposes, we may suspend or terminate the Account under Section 12.2. No refund is due except where required by law.
2.6 The individual accepting these Terms warrants that they are authorized to bind the business named in the Account.
2.7 We may request company registration, VAT or tax information or evidence of authority. Failure to provide requested information within ten business days may result in suspension.
2.8 You confirm that you, your owners, directors and Authorized Users are not subject to sanctions imposed by the UK, UN, EU or US and will not make the Services available to sanctioned persons or in comprehensively sanctioned territories. A breach permits immediate termination.
3. Contracting party and payment collection
3.1 Your counterparty is Trading Buddy Ltd, 128 City Road, London EC1V 2NX, United Kingdom. It will issue your invoice and is responsible for providing the Services under these Terms.
3.2 Payments may be processed by third-party payment providers acting for Trading Buddy Ltd. The merchant name on your statement may differ from the UrBuddy AI trading name. Payment routing does not change your counterparty, invoice, contractual price or refund rights.
3.3 You authorize us and our payment providers to store payment credentials where permitted and to retry failed scheduled charges in accordance with applicable law, card-scheme rules and a valid payment mandate or stored-credential authorization.
4. Your Account, users and credentials
4.1 You are responsible for all activity through your Account, including activity by Authorized Users. Their acts and omissions are treated as yours.
4.2 You must keep credentials secure and share them only with authorized persons. Notify us at support@urbuddy.ai within 24 hours after becoming aware of actual or suspected unauthorized access. We may suspend access or require credentials to be reset where reasonably necessary.
5. The Services
5.1 The Services provide AI-powered tools for creating, editing and managing advertising, marketing and other business content, including images, video and text. Features depend on your Subscription Plan and may change.
5.2 We grant you a limited, non-exclusive, non-transferable and revocable right to use the Services during your Subscription for your business purposes and, if you are an agency, to provide services to clients, subject to these Terms.
5.3 Access begins when we activate your Account or Subscription, whether or not you use it. This does not affect express refund or termination rights.
5.4 We do not guarantee uptime unless agreed in writing. We may suspend access for maintenance, security, technical or operational reasons and will give notice of planned maintenance where reasonably practicable.
5.5 Reasonable technical support is available at support@urbuddy.ai. Support excludes marketing, legal or regulatory advice and advice about third-party platform rules. No response or resolution time is guaranteed unless agreed in writing.
6. Acceptable use
6.1 You must not, and must not allow anyone else to:
- copy, modify, decompile, reverse engineer or extract source code, models, weights or underlying components, except where this restriction cannot lawfully be imposed;
- circumvent Credit or rate limits, content filters, watermarks, provenance metadata, security measures or access controls;
- scrape, crawl or bulk-extract data except through an expressly provided interface;
- use the Services, Inputs or Outputs to develop or evaluate a competing AI model or service;
- resell, sublicense, white-label or make the Services available to third parties except under Section 5.2;
- use the Services for illegal, fraudulent, deceptive or unauthorized purposes; or
- attempt unauthorized access to any system, Account or data.
6.2 You must not upload, generate, publish or distribute content that violates law or third-party rights; depicts or sexualizes minors; uses an identifiable person without required rights and consents; is defamatory, hateful, threatening or harassing; promotes violence, self-harm, illegality or discrimination; contains misleading advertising claims; impersonates a person; or falsely suggests endorsement.
6.3 You must not upload, generate, publish or distribute depictions of sexual acts, nudity or exposed genitalia of real or realistic human figures, explicit sexual behaviour, or content primarily intended for sexual arousal involving nudity or sexual acts. Non-explicit marketing visuals for adult products are permitted if otherwise compliant.
6.4 Depending on severity, we may block a generation, remove content, restrict features, suspend an Account or terminate it under Section 12.2. We may suspend access while investigating a suspected serious breach or material risk.
6.5 We may, but are not required to, monitor use or review Inputs and Outputs. Automated systems may block or restrict a generation.
7. AI-specific terms
7.1 We may change or replace AI models, providers, APIs and infrastructure. This may affect Output style, quality, speed, resolution, format, availability and Credit cost. The applicable Credit cost will be shown before an action. Rights concerning material reduction of core functionality are in Section 11.6.
7.2 Generative AI may produce identical or similar Outputs for different customers. We do not guarantee uniqueness.
7.3 We do not guarantee that Outputs are original, qualify for intellectual-property protection or do not infringe third-party rights. Where exclusivity or protection matters, obtain appropriate review and make necessary modifications.
7.4 You must review every Output before use or publication. Outputs may be inaccurate, misleading, offensive, unsuitable or similar to existing works, brands or persons. You are responsible for deciding whether and how to use them.
7.5 Outputs are not legal, medical, financial, nutritional or other professional advice and do not constitute regulatory, legal or advertising approval.
7.6 You must comply with applicable platform rules and requirements to label AI-generated or manipulated content. You must not remove required watermarks, machine-readable markings, provenance metadata or disclosures. We will apply markings required by applicable law, including Article 50 of Regulation (EU) 2024/1689 where that Regulation applies.
7.7 The Services depend on third-party models and APIs. We may block or refuse an Input or generation or restrict a feature where reasonably necessary to comply with provider requirements or maintain access. Provider terms do not create a direct contract with you unless expressly stated.
8. Intellectual property
8.1 We and our licensors retain all rights in the Services, including the platform, software, models, templates, technology and improvements. No rights transfer except as expressly stated.
8.2 You retain all rights in your Inputs. You grant us, our Affiliates and providers a worldwide, non-exclusive, royalty-free and sublicensable licence to host, reproduce, modify, transmit and process Inputs only as necessary to provide, operate, secure and support the Services.
8.3 Once applicable Fees have been paid, we grant you a worldwide, perpetual, irrevocable, non-exclusive, transferable and sublicensable licence, for the full term of any subsisting rights, to use, reproduce, modify, adapt, translate, publish, distribute, communicate, make available and commercially exploit the Output. Where legally effective, we assign to you any rights we hold in that Output. This survives termination.
Outputs are generated by AI. We do not represent that intellectual-property rights subsist in an Output, that it qualifies for protection, is exclusive, or is free from third-party claims. This grant covers the Output only and excludes the Services, our trade marks and separately identified third-party material.
8.4 You warrant that you hold all rights, permissions and consents required to submit Inputs and grant the licences in this Section, including rights and consents relating to trade marks, designs, photographs, artwork, music, voices, personal data and identifiable persons.
8.5 We may use feedback and suggestions about the Services without restriction, attribution or payment.
9. Data protection and confidentiality
9.1 We process personal data as described in our Privacy Policy at URBUDDY.AI . Where we process personal data contained in Inputs solely on your behalf, you are controller and we are processor.
9.2 Where we process personal data for Account administration, billing, security, fraud prevention, analytics or compliance, Trading Buddy Ltd acts as controller. Each party is responsible for its own compliance with applicable data-protection law.
9.3 We and our providers may process personal data in the UK, EEA, US and other countries. Restricted transfers from the UK will use UK adequacy regulations, the UK International Data Transfer Agreement, the UK Addendum to the EU standard contractual clauses or another lawful mechanism, together with supplementary safeguards where required.
9.4 We maintain technical and organisational measures appropriate to the processing risks, but no measure guarantees prevention of every incident.
9.5 Each party must protect the other’s non-public information with reasonable care and use it only to perform these Terms or exercise express rights. This excludes information that is public, independently developed, lawfully known or received from another source, or legally required to be disclosed.
10. Commercial terms
10.1 Fees are those shown at checkout or in the Order and exclude VAT and similar taxes unless stated. You must reimburse tax, interest, penalties and reasonable costs directly caused by inaccurate tax or billing information you supplied.
10.2 You may hold multiple Subscriptions. Each has separate billing, pricing, Credits and cancellation. Credits do not pool. Refund eligibility and discounts are assessed separately.
10.3 Subscriptions are billed in advance at the interval shown at checkout and automatically renew for periods of the same length until cancelled. You authorize charges on each renewal date. Cancel before renewal to avoid the next charge.
10.4 Subscription Credits expire at the end of the Billing Cycle and do not roll over. Top-Up Credits expire 90 days after purchase. Credits have no cash value, are not transferable and are refundable only under Section 10.7. Unused Credits expire when the related Account or Subscription ends.
10.5 Unless otherwise stated, discounts apply only to the first Subscription term. We will disclose the discounted price, standard renewal price and first renewal date before purchase.
10.6 If a charge fails, we may retry it in accordance with law and provider rules. We may suspend an affected Account or Subscription while amounts remain unpaid.
10.7 You may request a refund of a Subscription payment or Top-Up Credit purchase within seven calendar days after payment, provided none of the Credits allocated or purchased through that payment have been used. Any use ends eligibility. We deduct a 5% processing fee from approved refunds. With your agreement, a refund may be issued as non-refundable, non-transferable Credits of the same net value that expire after 90 days. Nothing in this clause limits refunds required by law.
10.8 Before initiating a chargeback, contact support@urbuddy.ai and allow a reasonable opportunity to resolve the issue. We may suspend the Account while a dispute is pending. Knowingly false, duplicate or abusive chargebacks constitute a material breach. Where a chargeback is resolved in our favour, we may recover reasonable documented provider fees and external recovery costs to the extent permitted by law.
11. Changes
11.1 We may change, replace, add, remove, suspend or discontinue features, interfaces, models, providers, APIs, formats, limits or Subscription Plans.
11.2 Credit costs may change. The applicable cost will be shown before the action and will not affect Credits already used.
11.3 Subscription price changes apply from a future renewal. We will give at least seven calendar days’ notice of an increase, except for previously disclosed introductory-price expiry, discount expiry, tax changes or customer-requested Plan changes.
11.4 We may update these Terms. Non-material clarifications and feature-related changes take effect when posted. Material changes normally take effect on the next renewal and will be notified. Immediate changes may be made where reasonably necessary for law, security, fraud prevention, provider requirements or service continuity.
11.5 Continued use after a change takes effect, or renewal, constitutes acceptance. If you reject a material renewal change, cancel before renewal. No refund is due for a paid Billing Cycle except as expressly provided.
11.6 If we permanently discontinue core functionality during a prepaid Billing Cycle and do not provide reasonably comparable replacement functionality, we may terminate the affected Subscription and refund prepaid Fees attributable to the unused remainder. This is your sole contractual remedy for that discontinuation, subject to rights that cannot be excluded.
12. Suspension and termination
12.1 You may cancel through the Services or by emailing support@urbuddy.ai. Cancellation takes effect at the end of the current Billing Cycle. Fees already paid are not refunded except under Section 10.7.
12.2 We may immediately suspend an Account or Subscription if you cease meeting Section 2 eligibility; breach Sections 2.8 or 6; leave an amount unpaid for more than ten days; engage in suspected unlawful, fraudulent or abusive activity; create serious security, legal, regulatory or reputational risk; a competent authority or provider requires suspension; or become insolvent or cease business. We may terminate for a material or irremediable breach, or a breach not remedied within a specified reasonable period. Accrued amounts remain payable.
12.3 If we discontinue the Services or a Subscription Plan and terminate your Subscription, we will refund prepaid Fees attributable to the unused remainder of the Billing Cycle, subject to Section 11.6.
12.4 On termination: access ends; unused Credits expire; unpaid amounts remain due; and you must stop using Outputs for which applicable Fees remain unpaid. Inputs, Outputs and Account data may be retained or deleted under Section 9 and the Privacy Policy.
For 30 calendar days after termination, we will keep Inputs and Outputs available for retrieval and, on written request to support@urbuddy.ai, provide them in a commonly used electronic format, subject to standard retention cycles and lawful restrictions. We may shorten or withhold this window where termination concerns fraud, unlawful activity, prohibited content or a binding requirement from an authority or provider.
12.5 Sections 3, 6.2–6.5, 7.2–7.6, 8, 9, accrued rights under Section 10, Sections 11.5–11.6, 12.4–12.5, 13 and 14 survive termination to the extent necessary to give them effect.
13. Warranties, liability and indemnity
13.1 The Services are provided “as is” and “as available”. To the fullest extent permitted by law, we disclaim implied warranties and conditions, including satisfactory quality, fitness for purpose, non-infringement and uninterrupted or error-free operation.
13.2 We do not guarantee advertising performance, conversions, reach, return on investment, platform approval, legal compliance of Outputs or continued availability of any model, provider or feature.
13.3 To the fullest extent permitted by law, we are not liable for indirect or consequential loss; loss of profit, revenue, business, savings, goodwill or reputation; wasted advertising or agency spend; campaign correction costs; third-party fines or restrictions; loss or corruption of Inputs or Outputs; or third-party claims against you.
13.4 Subject to applicable law, our total aggregate liability arising from these Terms, the Services and Outputs will not exceed Fees paid during the six months preceding the first event giving rise to liability. Nothing excludes liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any liability that cannot lawfully be excluded or limited.
13.5 You will indemnify us, our Affiliates and personnel against third-party claims, regulatory investigations, liabilities, fines, penalties and reasonable legal costs arising from your Inputs; your use or publication of Outputs; your advertising, products or services; breach of Sections 6, 7.4, 7.6 or 8.4; breach of applicable rules; or claims by your clients or persons whose rights, likeness, voice, personal data or intellectual property appear in Inputs or Outputs. We will provide reasonable notice and permit you to control the defence with acceptable counsel, but no settlement may admit our fault, bind us or fail to release us without consent.
13.6 To the extent permitted by the governing law, claims must be commenced within 12 months after you became aware, or reasonably should have become aware, of the facts. If this contractual period is unenforceable, the statutory period applies.
14. General terms
14.1 These Terms and any contractual or non-contractual dispute arising from them are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction, subject to Section 14.2.
14.2 Before court proceedings, a party must send written notice describing the dispute and both parties must attempt in good faith to resolve it for 30 calendar days. This does not prevent urgent interim or injunctive relief.
14.3 We may notify you by Account email or through the Services. You must send notices to support@urbuddy.ai and keep contact details current.
14.4 Clicking to accept these Terms or placing an Order constitutes electronic signature and acceptance. Our electronic records are evidence of acceptance.
14.5 You may not assign these Terms without our written consent. We may assign or novate them to an Affiliate or as part of a merger, reorganisation, financing or sale of business or assets, provided this does not reduce accrued rights.
14.6 If a provision is invalid, it applies to the maximum lawful extent and the remainder continues. Delay does not waive rights. Neither party is liable for delay caused by circumstances beyond reasonable control, except payment obligations already due. These Terms, applicable Orders, the Privacy Policy and any incorporated DPA constitute the entire agreement. The English version prevails.
14.7 Our Affiliates and persons protected under Sections 13.3–13.5 may enforce provisions expressly benefiting them under the Contracts (Rights of Third Parties) Act 1999. No other third party may enforce these Terms.
15. Contact Information
Email: support@urbuddy.ai
Website: URBUDDY.AI
Company: Trading Buddy Ltd, registered in England and Wales under company number 15446178, with its registered office at 128 City Road, London EC1V 2NX, United Kingdom.
UrBuddy AI and urbuddy.ai are trading names of Trading Buddy Ltd.