VirtualExperts Terms of Service

Last Updated: October 11, 2026

These Terms of Service ("Terms") govern your access to and use of all products and services provided by VirtualExperts, collectively referred to as the "Services." By using our Services, you agree to be bound by these Terms. If you don't agree to these Terms, do not use the Services.

1. Eligibility

1.1 Age Requirement

You must be at least 16 years old to use the Services. By using the Services, you represent and warrant that you meet this age requirement and have the right, authority, and capacity to agree to and abide by these Terms.

1.2 Geographic Limitations

The Services are primarily intended for use in the United States. If you access the Services from outside the United States, you are responsible for compliance with local laws.

2. Account Creation and Security

2.1 Account Registration

To access certain features, you must create an account by providing accurate, current, and complete information.

2.2 Single Sign-On (SSO)

Your VirtualExperts account can use the same credentials across our Services. Access to each Service depends on its availability, your eligibility, and the permissions and plan enabled for your account. Creating an account does not grant access to every Service. These Terms apply to the Services you access through your account.

2.3 Account Security

You are responsible for safeguarding your account credentials and for any activities or actions under your account.

2.4 Account Suspension/Termination

We may suspend or terminate your account if you violate these Terms or engage in prohibited activities.

3. AI Services

3.1 Input and Output

You can input information ("Input") into our AI systems, which will generate responses ("Output"). Your use of the Services, including any Outputs, may be subject to additional license and use restrictions.

3.2 Features

The Services may include, but are not limited to: Conversation Playback and Transcription, Customizable voice selection, Chat Memory, Prompt Cache, and Customizable Conversation Style and Expertise control.

3.3 Feature Changes

We continuously update our Services and may add, alter, or remove features at our discretion without prior notice.

3.4 Third-Party Services

Our Services rely on third-party products and services. These are beyond our control but may impact the use and reliability of our Services.

3.5 Responsibility for Content

You are solely responsible for your Input and its consequences. You warrant that you have all necessary rights to submit and use such Input.

3.6 Content Restrictions

You may not use the Services to generate Output that violates any laws or rights. You must cite the Services when publishing any Output.

3.7 Sharing Content

When you share content, including by creating a public link to a chat, it becomes accessible to anyone with the link. Public chat shares are read-only snapshots of the conversation at the time of sharing. You may revoke a public share at any time, which stops future access through the link; however, we are not responsible for how others may use, copy, or redistribute content they accessed while the link was active.

3.8 AI-Generated Content

The Services use artificial intelligence to generate content. AI-generated Output may contain inaccuracies, biases, or errors and may not reflect correct, current, or complete information. You are solely responsible for evaluating and verifying Output before relying on it, and you should not rely on Output as a substitute for professional advice. You may not present AI-generated Output as human-created.

4. Financial Services

4.1 Service Description

When enabled for your account, our financial management features may include bank account connection and synchronization via Plaid, transaction categorization and tracking, receipt capture and matching, bank and card statement import, financial reporting and analytics, and AI-powered expense analysis. Availability may vary by account and integration.

4.2 Not Financial Advice

OUR FINANCIAL MANAGEMENT FEATURES ARE TOOLS FOR ORGANIZING AND TRACKING FINANCIAL DATA. They do not provide investment advice, tax advice, legal advice, accounting services, or financial planning services. You should consult qualified professionals for financial, tax, or legal advice.

4.3 Data Accuracy and Document Processing

Financial data is retrieved from third-party sources (your banks, Plaid) and may contain delays or errors. Data extracted from receipts, statements, and other documents using AI and OCR technology may contain errors, and automated transaction categorization may be incorrect. You are responsible for verifying extracted data against your original documents, and you should retain original documents for your records.

4.4 Connected Google Account

If you connect your Google account, you authorize us to access your Gmail to scan and identify receipts, invoices, and other relevant content, and, if you grant Calendar access, to read and manage events on your calendar. You may revoke access at any time through your Google Account settings or within our Services.

5. Expert Hosting, Connections, and Multi-User Agreements

VirtualExperts enables users to create and host AI experts, invite other users to connect with those experts, and operate within organizations and groups. The following terms govern these multi-user relationships.

5.1 Expert Hosting Responsibilities

If you create and host an expert on VirtualExperts, you are the "Expert Host" for that expert. As an Expert Host, you are solely responsible for:

  • The accuracy, legality, and appropriateness of any knowledge base content, instructions, or documents you add to your expert.
  • Managing which users you invite to connect with your expert and revoking access when appropriate.
  • Setting and maintaining appropriate budgets and usage limits for connected users.
  • Ensuring that any personal or sensitive information stored in your expert's knowledge base complies with applicable laws and the rights of the individuals whose data it contains.
  • Any consequences arising from the knowledge base content or expert configuration you deploy to connected users.

VirtualExperts provides the hosting infrastructure and is not responsible for the content of user-created experts.

5.2 Connected User Consent

By accepting an invitation to connect with another user's expert, you explicitly acknowledge and agree that:

  • The Expert Host can view your complete chat history with that expert, including all messages you have sent and all AI-generated responses you have received.
  • The Expert Host can view any knowledge documents or files you upload to that expert.
  • You should not share information through a hosted expert that you would not be comfortable disclosing to the Expert Host directly.

If you do not agree to these terms, you should not accept the invitation to connect with that expert.

5.3 Organization Agreements

Organizations within VirtualExperts are administered by one or more organization administrators ("Org Admins"). By joining an organization:

  • You authorize your Org Admin to assign experts to your account, configure your access permissions, and view your usage and budget allocation within the organization.
  • The Org Admin is responsible for ensuring that organizational use of VirtualExperts complies with these Terms and all applicable laws.
  • Members may share access to organizational experts as configured by the Org Admin, and shared expert interactions may be visible to the Org Admin.

5.4 Credit and Budget Terms

Credits and budgets allocated to you by an Expert Host or Org Admin are subject to the following terms:

  • Host-allocated credits are provided at the host's discretion and may be modified, reduced, or revoked at any time without prior notice.
  • Credits allocated by a host are for use with that host's expert only and are non-transferable.
  • If your allocated budget is exhausted, your access to the expert may be suspended until the host increases your budget or you connect under a different arrangement.
  • VirtualExperts is not responsible for any loss of access or service resulting from a host's decision to modify or revoke credits.

5.5 System Experts

Certain experts made available on the platform, including but not limited to Chai and Superadmin, are provided directly by VirtualExperts as system utilities. These experts are available to all eligible users as part of the platform's core functionality. System expert interactions may be reviewed by VirtualExperts for quality assurance, safety, and improvement purposes consistent with our Privacy Policy. System experts are subject to change, removal, or modification at VirtualExperts' discretion.

5.6 Trackable Data

You may use our Services to log and track personal data over time ("Trackable Data"), including health metrics, food diary entries, family events, and other information. You retain ownership of your Trackable Data. By using the Services, you grant us a limited license to store and process your Trackable Data solely to provide the Services to you.

Sharing Trackable Data: You may choose to share your Trackable Data with other users. When you do, you are granting those users read access to the specific data you've shared. You can revoke this access at any time. We are not responsible for how other users use data you have chosen to share with them.

Sensitive Data: You may choose to log sensitive personal information (such as health metrics) as Trackable Data. You do so at your own discretion. We strongly recommend not logging highly sensitive data (such as financial account numbers or government identification numbers) through this feature.

Not a Medical Record; No HIPAA Coverage: VirtualExperts is a general-purpose tool for organizing information. It is not a medical record system and is not designed to comply with the Health Insurance Portability and Accountability Act ("HIPAA") or similar health-information laws. Do not use the Services to store protected health information that you are responsible for safeguarding under HIPAA, including information you hold as, or on behalf of, a healthcare provider or health plan. VirtualExperts is not a HIPAA covered entity or business associate, and we do not enter into Business Associate Agreements. You are responsible for having the right to record any health information you enter about another person, and you should not use the Services to store medical records or protected health information about others without that right.

5.7 Embedded Chat Widgets

Our chat widget can be embedded on third-party websites so that visitors to those sites can chat with an expert hosted by the site's operator.

If you embed the widget on your own site (a "Site Operator"), you agree that:

  • You are responsible for your site, your expert's configuration and knowledge base content, and all usage billed to your account, including usage by your visitors.
  • You will maintain a privacy policy that discloses your use of VirtualExperts, and you will provide any legally required notices to, and obtain any required consents from, your visitors, including, where applicable, for chat recording, the browser storage the widget uses, and the use of an AI system.
  • You will make clear to your visitors that they are interacting with AI and will not present widget responses as coming from a human.
  • You will not configure your expert to solicit sensitive personal information from visitors (such as payment card numbers, government identifiers, or login credentials), and you will not use the widget to collect visitor data you are not legally permitted to collect.
  • We process your visitors' conversations on your behalf. As between you and VirtualExperts, you are responsible for responding to your visitors' privacy requests regarding those conversations.

If you chat through a widget on someone else's site, your conversation is visible to the Site Operator hosting that widget (see Section 5.2). These Terms and our Privacy Policy apply to your use of the widget itself; the rest of that website is governed by the Site Operator's own terms and policies, and we are not responsible for the third-party site.

6. User Conduct and Content

6.1 Prohibited Uses

You agree not to use the Services in any way that is unlawful, harmful, or interferes with the Services' operation.

6.2 Content License and Rights

By submitting Input to our Services, you warrant that you have all necessary rights and permissions for such Input, and grant us and our service providers a worldwide, royalty-free, sublicensable license to use your Input as needed to provide the Services.

7. Intellectual Property Rights

The Services are owned by VirtualExperts and protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use our Services for personal or internal business purposes.

8. Privacy and Data Usage

Your use of the Services is governed by our Privacy Policy. By using the Services, you explicitly consent to the collection, use, and processing of your data as described in the Privacy Policy.

9. Subscriptions and Payments

We offer paid subscription plans. Subscriptions automatically renew unless canceled before the renewal date. Except where applicable law requires otherwise, all sales are final. We reserve the right to change our prices with at least 14 days notice. Payments are processed by Stripe.

10. Disclaimers and Limitations of Liability

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. To the fullest extent permitted by law, AppVolks LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages. Our total liability shall not exceed the amount you paid us in the twelve (12) months preceding the claim.

11. Indemnification

You agree to indemnify and hold harmless VirtualExperts, its officers, directors, employees, and agents from any claims arising out of your violation of these Terms or your use of the Services.

12. Modifications

We reserve the right to modify or discontinue the Services or these Terms at any time. Continued use constitutes acceptance of any changes.

13. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Oregon. Any disputes shall be resolved by arbitration in Oregon. You agree to resolve disputes individually, not as a class action.

14. Privacy Rights

Our Privacy Policy describes how we handle information and how to contact us about privacy requests. Nothing in these Terms limits rights available under applicable law.

15. Availability and Support

Availability is not guaranteed. Unless we separately agree to a service level in writing, the Services have no uptime or support-response commitment. You can contact us by email for support.

16. Contact Information

For questions about these Terms, contact us at:

VirtualExperts
1502 SE 84th Ave Unit A
Portland, OR 97216
Email: [email protected]