Terms of service

Effective: 08/04/2026
Last updated: 08/04/2026

These Terms of Service (“Terms”) are a contract between you and Junket Holdings, LLC, a New Jersey limited liability company (“Junket,” “we,” “us,” or “our”), governing your use of our product FactorIn and related services. Please read them carefully. These Terms replace and supersede any prior terms of use applicable to FactorIn.

These Terms constitute a legally binding agreement between you and Junket. By creating an account or using FactorIn, you (1) acknowledge that you have read and understood these Terms; (2) represent that you are 18 years of age or older and of legal age to enter int a binding agreement; and (3) accept these Terms and agree that you are legally bound by them. If you do not agree to any of these Terms, do not use or access FactorIn.

The short version

• You must be 18 or older to use FactorIn.
• 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 FactorIn.
• 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 FactorIn

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

FactorIn is currently offered to users in the United States. You may use FactorIn for lawful purposes only in accordance with these Terms, and you agree to abide by all applicable laws and regulations in your use of FactorIn.

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 FactorIn (collectively referred to as “Content”, and if uploaded by you, your Content). We do not claim ownership of your Content.

License to us. You grant FactorIn a limited, non-exclusive, worldwide, royalty-free license to use, reproduce, adapt, modify, publish, edit, translate, host, store, transmit, back up, and otherwise distribute and display Your Content solely as necessary to provide FactorIn 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. FactorIn’s rights to your published Content are limited to what the license permits plus the operational license above.

Responsibility. You, and not Junket, are solely responsible for all of your Content that you upload, transmit, or otherwise make available through FactorIn or any related services. You represent and warrant that you own or otherwise control all the rights, titles, and interests to any Content that you upload, transmit, or otherwise make available through FactorIn, that use of any Content you provide does not violate the intellectual property rights or any other rights of any third parties, and that use of Content you provide will not cause injury to any person or entity. Without limiting the foregoing, you represent and warrant that you will not: (a) provide any Content that is unlawful (according to local, state, federal or international law) or any Content that advocates illegal activity; (b) provide any Content that is defamatory, false, or libelous, or that contains unlawful, harmful, threatening, harassing, discriminatory, abusive, profane, pornographic or obscene material; (c) provide any Content that you do not have a right to provide under law or under a contractual or fiduciary relationship; (d) violates the intellectual property rights of other; (e) provide any Content that contains software viruses or other harmful devices; or (f) impersonate any other person or entity or forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content you provide.

Disclaimer. We disclaim any and all liability for any Content emailed, transmitted, or otherwise made available via FactorIn. We do not represent or guarantee the truthfulness, accuracy, or reliability of any Content. Any Content on FactorIn is provided “as is.” Under no circumstances will we be liable in any way for any Content, including, but not limited to, for any errors or omissions in any Content, or for any loss or damage of any kind incurred as a result of the use of any Content emailed, transmitted or otherwise made available via FactorIn. You should be aware that your use of and reliance on Content is at your own risk.

We have no obligation to review, monitor, delete, or edit FactorIn, including user Content. However, you acknowledge and agree that we have the right to do so at any time in our sole discretion, for any reason or no reason, with or without notice. We shall not be liable for any alteration or deletion of any Content. You acknowledge, consent, and agree that we may access, preserve, and disclose any inappropriate conduct, your account information, and any Content you submit if required to do so by law or in a good faith belief that such access, preservation, or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce these Terms; (c) respond to claims that any Content violates the rights of third parties; (d) respond to your requests for customer service; or (e) protect the rights, property, or personal safety of Junket, its affiliates, personnel, other users, and the public

4. Acceptable use

Don’t use FactorIn 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 FactorIn or its users’ accounts.
• Interfere with or disrupt the service.
• Reverse-engineer, resell, or replicate FactorIn 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 FactorIn 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

FactorIn 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. FactorIn is not responsible for provider performance or output. We will make reasonable efforts to communicate outages we’re aware of.

Links to Third Party Sites. FactorIn may contain links to third-party websites or other resources, including but not limited to AI providers, which we may have no direct control and all of which may have their own set of rules and guidelines for usage of their sites and services. We do not endorse, and we shall not be responsible or liable for, any content, advertising, products, or other materials on or available from such sites or resources.

For your protection, please refer to the terms of service and privacy policies of those respective websites. You acknowledge, understand, and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of, or reliance on, any such content, goods, or services available on such other websites. We shall not be liable for any errors or delays in the content, goods, or services available on such other websites, or for any actions taken or not taken in reliance thereon. The links are provided “as is” and use of such links is at your own risk.

6. Fees and billing

• Free tier. FactorIn 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

FactorIn’s rights.

Unless otherwise noted, Content provided on FactorIn, including images, illustrations, designs, icons, photographs, video clips, text, and other material, as well as FactorIn itself, the software, design, brand, documentation, and displayed trademarks, logos, and service marks, is the property of Junket or its affiliates and is protected by intellectual property laws. Any and all Content on FactorIn is either the property of Junket or is used by us with the permission of its owner as noted. You agree that you will not take any actions inconsistent with our ownership of FactorIn, any trademarks or trade dress, and the Content that has not been uploaded by you.

Nothing contained on FactorIn may be construed as granting, by implication, estoppel, or otherwise, any right or license to use any trademark or Content that is not yours or has not been licensed to you. Our trademarks and/or trade dress may not be copied, imitated, or used, in whole or in part (including use in metatags or in hidden text), without our prior written permission.

License to You. We grant you a limited, nonexclusive, nontransferable, revocable license (without the right to sublicense) to make use of FactorIn for the any approved purpose, regardless of the medium by which FactorIn is accessed by you (e.g., via a web or mobile browser). You may view, copy, download, or print materials from FactorIn for approved purposes only. This license does not include any rights not specifically enumerated herein.

Except as we may expressly authorize, you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from the materials not owned by you on FactorIn, including any copyrighted, patented, or trademarked Content. You may only use the materials and Content on FactorIn as expressly permitted in these Terms and for no other purpose. Any unauthorized use of any Content or materials on FactorIn is strictly prohibited and may violate copyright, patent, and trademark laws, and/or the laws of privacy, publicity, and/or communications regulations and statutes.

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

FactorIn 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 FactorIn 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.

The information on FactorIn may contain typographical errors or inaccuracies, and may not be complete or current. We therefore reserve the right to correct any errors, inaccuracies, or omissions, and to change or update information at any time without prior notice. Please note that such errors, inaccuracies, or omissions may relate to service descriptions, pricing, and availability. We also reserve the right to limit the scope of services (including after you have submitted your request). We apologize for any inconvenience this may cause you.

10. Suspension and termination

By you. You can stop using FactorIn 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 FactorIn, other users, or third parties.

You acknowledge that your use of FactorIn is at our sole discretion and your license to use FactorIn may be terminated by us at any time, for any reason or for no reason. We reserve the right, in our sole discretion, to refuse service, to block or prevent future access to and use of FactorIn, to terminate any user’s account, where applicable, and to alter or delete any material submitted to FactorIn through the user’s account, where applicable. Following termination of this license, these Terms shall apply to the extent practicable.

We respect the intellectual property rights of others and expect users to do the same. In appropriate circumstances, and at our sole discretion, we may terminate and/or disable access to and use of FactorIn by users suspected of infringing the copyrights (or other intellectual property rights) of others. Additionally, in appropriate circumstances, and in our sole discretion, we may remove or disable access to material on any of our websites or hosted on our systems that may be infringing or the subject of infringing activity.

In accordance with the Digital Millennium Copyright Act of 1998, 17 U.S.C. § 512 ("DMCA"), we will respond promptly to claims of copyright infringement reported to our agent designated to receive notifications of infringement claims ("Designated Agent"). If you are a copyright owner (or authorized to act on behalf of the owner) and believe that your copyrighted work has been infringed, please submit a written notice to our Designated Agent that substantially includes the following:

1. A physical or electronic signature of a person authorized to act on behalf of the copyright owner;
2. Identification of the copyrighted work claimed to have been infringed;
3. Identification of the material that is claimed to be infringing and information reasonably sufficient to help us locate the material;
4. Information reasonably sufficient to permit us to contact you, such as a mailing address, telephone number, and email address;
5. A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
6. A statement that the information in the notice is accurate, and under penalty of perjury, that you are the owner, or authorized to act on behalf of the owner, of the copyright or of an exclusive right under the copyright that is allegedly infringed.

The written notice, along with any accompanying items, must be submitted to our Designated Agent at:

support@factorin.com

If you send your notice by email, please make sure to write “DMCA Copyright Notice” in the subject line. We will investigate notices of copyright infringement and take appropriate actions under the DMCA. Inquiries that do not follow this procedure may not receive a response.

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, ITS CONTENT, AND ANY ASSOCIATES SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” YOUR USE OF AND RELIANCE ON FACTOR.IN AND ANY CONTENT AVAILABLE IS AT YOUR OWN RISK. YOU ACKNOWLEDGE THAT INFORMATION TRANSMITTED THROUGH THE INTERNET IS NEVER COMPLETELY SECURE. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, WE DISCLAIM ANY AND ALL EXPRESS, IMPLIED, STATUTORY, OR OTHER WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, WORKMANLIKE EFFORT, SUITABILITY, AVAILABILITY, ACCURACY, RELIABILITY, COMPLETENESS OR TIMELINESS OF CONTENT, AND NON-INFRINGEMENT, AS WELL AS WARRANTIES ARISING THROUGH COURSE OF DEALING, USAGE, OR TRADE.

WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF FACTOR.IN, TO THE INFORMATION, CONTENT, MATERIALS OR PRODUCTS INCLUDED ON FACTOR.IN. WE FURTHER DO NOT WARRANT THAT THE SERVICE WILL BE CONTINUOUS, UNINTERRUPTED, ERROR-FREE, VIRUS-FREE, SECURE, OR THAT FACTOR.IN WILL MEET YOUR REQUIREMENTS. WE FURTHER DO NOT WARRANT THAT AI PROVIDER OUTPUTS WILL BE ACCURATE, COMPLETE, VIRUS-FREE, SUITABLE FOR YOUR PURPOSES, OR FREE FROM OTHER HARMFUL COMPONENTS.

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

12. Limitation of liability**

TO THE MAXIMUM EXTENT PERMITTED BY LAW, JUNKET HOLDINGS, LLC, ITS OFFICERS, SUBSIDIARIES, AFFILIATES, REPRESENTATIVES, DISTRIBUTORS, LICENSORS, EMPLOYEES, AND AGENTS (THE “JUNKET PARTIES”) ARE NOT LIABLE FOR ANY DAMAGES OF ANY KIND, UNDER ANY THEORY OF LIABILITY, ARISING FROM OR OTHERWISE RELATED TO YOUR USE OF, OR INABILITY TO USE, THE FACTOR.IN PRODUCT OR ASSOCIATED SERVICES, INCLUDING BUT NOT LIMITED TO INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY BUSINESS INTERRUPTION, LOSS OF PROFITS, DATA, OR GOODWILL, EVEN IF WE HAVE BEEN ADVISED OF OR SHOULD HAVE KNOWN THE POSSIBILITY OF SUCH DAMAGES.

WITHOUT LIMITING THE FOREGOING, JUNKET PARTIES WILL NOT BE LIABLE FOR ANY DAMAGE TO YOUR COMPUTER, TELECOMMUNICATION EQUIPMENT, OR OTHER PROPERTY CAUSED BY OR ARISING FROM YOUR ACCESSING OR USE OF, or inability to use, FACTOR.IN, OR FROM YOUR DOWNLOADING OF ANY content or MATERIALS FROM FACTOR.IN, OR FOR ANY DAMAGES ARISING OUT OF A THIRD PARTY’S UNAUTHORIZED ACCESS TO AND USE OF YOUR PERSONAL INFORMATION OR CUSTOMER DATA STORED ON OUR COMPUTERS AND/OR SERVERS. WE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND THAT YOU ALLEGE ARISE OUT OF OR ARE RELATED TO YOUR USE OF FACTOR.IN and associated SERVICES.

THE JUNKET PARTIES’ AGGREGATE LIABILITY FOR ANY CLAIM - WHETHER IN CONTRACT, WARRANTY, TORT, PRODUCT LIABILITY, STRICT LIABILITY, OR OTHER THEORY - 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).

13. Indemnification**

You agree to indemnify, defend, and hold the Junket Parties harmless from any claims, damages, losses, and expenses (including reasonable attorneys’ fees) which may arise from or be related to:

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

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses.

You agree that if you are dissatisfied with FactorIn or any services offered in connection with FactorIn, do not agree with any part of these Terms, or have any other dispute or claim with or against Junket with respect to these Terms or FactorIn, your sole and exclusive remedy is to discontinue using FactorIn.

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 FactorIn 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 FactorIn each waive any right to a jury trial. You and FactorIn agree that any dispute will be brought only in an individual capacity, not as a class or representative action. You further agree to file any cause of action with respect to these Terms within one (1) year after the cause of action arises. You agree that a cause of action filed after this date is barred.

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 FactorIn. These Terms shall not be modified except as provided for herein or in writing, signed by an authorized representative of Junket. By visiting or using FactorIn, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy, which is hereby incorporated by reference into these Terms. A copy of our Privacy Policy can be accessed at https://factor.in/privacy.

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.

Reasonable. You acknowledge and agree that the provisions, disclosures, and disclaimers set forth in these Terms reflect a fair and reasonable allocation of risk between you and Junket, and is not the result of fraud, duress, or undue influence exercised upon you by any person or entity. Any rights not expressly granted herein are reserved.

Survival. The provisions of these Terms that by their sense and context are intended to survive the performance of the Terms shall survive termination of these Terms, including provisions relating to: disclaimer of warranties, licensing, ownership, damage limitations, venue, jurisdiction, and indemnification.

Notices. Where required, we may give notice to you by a general posting in FactorIn, by electronic mail, or by conventional mail to your address of record. You may give notice to Junket by electronic mail or by conventional mail to the address below. If you have any questions about these Terms, the practices of FactorIn, or your dealings with Junket, please contact us at:

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