Factor·In

Terms of service

Effective: [DATE OF LAUNCH TBD]
Last updated: [DATE OF LAUNCH TBD]

These Terms of Service (“Terms”) are a contract between you and Junket Holdings, LLC, a New Jersey limited liability company (“Factor.In,” “we,” “us,” or “our”), governing your use of Factor.In. Please read them carefully.

By creating an account or using Factor.In, you agree to these Terms.

The short version

  • You must be 18 or older to use Factor.In.
  • Your content is yours. We don’t use your private content to train AI. We don’t sell it. We don’t claim ownership.
  • You’re responsible for what you create, publish, and dispatch to AI providers through Factor.In.
  • We provide the service as-is and can’t guarantee it will be perfect, always available, or free of errors.
  • Disputes are governed by New Jersey law.

1. Who can use Factor.In

You must be at least 18 years old and legally able to enter into these Terms. If you’re using Factor.In on behalf of an organization, you represent that you have authority to bind that organization, and “you” refers to both you and the organization.

Factor.In is currently offered to users in the United States. You agree to use Factor.In only in compliance with US law.

2. Your account

You are responsible for:

  • Providing accurate account information.
  • Keeping your password and any API keys secure.
  • All activity that happens under your account.

If you suspect unauthorized access to your account, contact us immediately at support@factorin.com.

You can close your account at any time. We can suspend or terminate your account for violations of these Terms — see Section 10.

3. Your content

Ownership. You own the content you create, upload, or publish through Factor.In (“Your Content”). We do not claim ownership.

License to us. You grant Factor.In a limited, non-exclusive, worldwide, royalty-free license to host, store, transmit, back up, and display Your Content solely as necessary to provide Factor.In to you. This license ends when you delete the content or close your account, except for backups that expire on our normal schedule (see Privacy Policy Section 4).

No use of your private content for AI training. We do not use Your private Content to train artificial intelligence or machine learning models, and we do not share your private Content with third parties for their AI training. When you dispatch a run to a third-party AI provider, your inputs are sent to that provider to execute the run; that provider’s terms govern what they do with those inputs. When you use our API keys, we select provider settings intended to prevent training on inputs where the provider offers that option, but we cannot guarantee any provider’s practices universally.

Public content and licensing. When you publish content publicly, you select a license (such as MIT, Apache 2.0, CC BY 4.0, or another supported option) that governs how others — including AI developers — may use it. That license, not these Terms, controls what others can do with your published content. Factor.In’s rights to your published content are limited to what the license permits plus the operational license above.

Responsibility. You are responsible for Your Content, including that you have the rights to use, share, and publish it, and that it does not violate any law or infringe anyone’s rights.

4. Acceptable use

Don’t use Factor.In to:

  • Violate any law or the rights of others.
  • Store, publish, or dispatch content that is illegal, infringing, defamatory, harassing, or otherwise harmful.
  • Attempt to gain unauthorized access to Factor.In or its users’ accounts.
  • Interfere with or disrupt the service.
  • Reverse-engineer, resell, or replicate Factor.In for the purpose of building a competing product.
  • Attempt to extract training data, systematically scrape public libraries beyond reasonable use, or otherwise misuse public content.
  • Use Factor.In to develop biological, chemical, or other weapons; to conduct illegal surveillance; to generate child sexual abuse material; or for other clearly abusive purposes.

We may investigate and take action on violations, including removing content, suspending accounts, or reporting to authorities where required.

5. AI providers and dispatch runs

Factor.In lets you dispatch runs to third-party AI providers such as OpenAI, Anthropic, and Google.

  • Choice of provider. You select the provider and model for each run.
  • API keys. You can bring your own API keys (“BYOK”) or use ours. When you use our keys, we bill you for usage plus a markup that covers our costs and operational overhead. Pricing is disclosed in the app.
  • Provider terms. When you use your own keys, your use of the provider is governed directly by the provider’s terms. When you use our keys, we pass through the provider’s terms to you as a condition of use and we select provider settings intended to prevent training on your inputs where the provider offers that option. We cannot guarantee any provider’s practices universally.
  • Provider outages and errors. Providers can be slow, unavailable, or return incorrect results. Factor.In is not responsible for provider performance or output. We will make reasonable efforts to communicate outages we’re aware of.

6. Fees and billing

  • Free tier. Factor.In offers a free tier for individual use and for publishing to public libraries. The free tier’s limits are described in the app and may change with notice.
  • Paid plans. Paid plans are billed in advance on a monthly or annual basis, as you select at signup. Fees are non-refundable except as required by law or as we choose at our discretion.
  • AI usage. When you use our API keys, AI usage is billed separately based on provider costs plus our markup, disclosed in the app.
  • Taxes. Fees do not include applicable taxes, which are your responsibility.
  • Changes. We may change pricing with at least 30 days’ notice to your account email. Changes apply at your next renewal.
  • Non-payment. If payment fails, we may suspend your account until payment is made. Suspended accounts may be terminated after 30 days.

7. Intellectual property

Factor.In’s rights. Factor.In, including our software, design, brand, and documentation, is owned by Junket Holdings, LLC and protected by intellectual property laws. These Terms don’t grant you any rights to our intellectual property except the right to use the service.

Feedback. If you send us feedback, suggestions, or ideas, we can use them without obligation to you. We won’t associate feedback with you publicly without your consent.

8. Third-party content and services

Factor.In may include links to, or integrations with, third-party content and services (including public libraries published by other users). We don’t control these and aren’t responsible for them. Your use of third-party content and services is at your own risk and governed by any applicable third-party terms and licenses.

9. Service changes and availability

We may add, change, or remove features. We may take Factor.In offline for maintenance. We aim for high availability but don’t guarantee uninterrupted or error-free service.

If we make material adverse changes to the service, we’ll give reasonable notice through the app or by email.

10. Suspension and termination

By you. You can stop using Factor.In and close your account at any time.

By us. We can suspend or terminate your account if:

  • You violate these Terms.
  • Your payment fails and isn’t cured within a reasonable time.
  • We are required to do so by law.
  • We reasonably believe your use of the service creates risk or liability for Factor.In, other users, or third parties.

Effect of termination. When your account ends, you lose access to the service. We’ll give you a reasonable opportunity to export your content before deletion, except in cases of serious violation. See our Privacy Policy for retention details.

11. Warranties and disclaimers

FACTOR.IN IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT AI PROVIDER OUTPUTS WILL BE ACCURATE, COMPLETE, OR SUITABLE FOR YOUR PURPOSES.

You are responsible for verifying AI output before relying on it. AI systems can produce incorrect, biased, or harmful content. Factor.In is a tool, not a substitute for professional judgment.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FACTOR.IN AND JUNKET HOLDINGS, LLC, ITS OFFICERS, EMPLOYEES, AND AGENTS ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF FACTOR.IN, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF FACTOR.IN IS LIMITED TO THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

These limits apply regardless of the legal theory of the claim.

13. Indemnification

You agree to indemnify and hold Factor.In and Junket Holdings, LLC harmless from any claims, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of:

  • Your Content.
  • Your use of Factor.In.
  • Your violation of these Terms.
  • Your violation of any law or third-party right.

14. Governing law and disputes

These Terms are governed by the laws of the State of New Jersey, without regard to its conflict-of-laws principles. Any dispute arising out of or related to these Terms or your use of Factor.In will be brought exclusively in the state or federal courts located in New Jersey, and you consent to the jurisdiction of those courts.

You and Factor.In each waive any right to a jury trial. You and Factor.In agree that any dispute will be brought only in an individual capacity, not as a class or representative action.

15. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will notify you by email or through the service at least 30 days before the changes take effect. Continued use after the effective date means you accept the updated Terms. If you don’t agree, you can close your account before the effective date.

16. General

Entire agreement. These Terms, together with the Privacy Policy and any additional terms we make available for specific features, are the entire agreement between you and Factor.In.

No waiver. If we don’t enforce a provision, that’s not a waiver of our right to enforce it later.

Severability. If any provision is held unenforceable, the rest of the Terms remain in effect.

Assignment. You may not assign these Terms without our consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

Contact. Questions about these Terms:

Junket Holdings, LLC
2 Kiel Avenue #177
Kinnelon, NJ 07405
support@factorin.com