MoLoop AI Terms of Service - AI-Powered Services

1. Introduction and Acceptance of Terms

Welcome to MoLoop AI, trading as Moloop ("Moloop", "we", "us", or "our"). We are an individual / sole trader operating under the laws of Hong Kong SAR.

These Terms of Service ("Terms") govern access to and use of Moloop, an AI model gateway and API platform that provides access to compatible AI models, API keys, account management, usage records, and related digital services at https://moloop.io (the "Service").

By creating an account, subscribing to a plan, purchasing credits, or otherwise using the Service, you confirm that you: (a) are at least 18 years old; (b) have read, understood, and agree to these Terms and our Privacy Policy at https://moloop.io/privacy-policy; and (c) are authorized to enter into these Terms for yourself and any organization you represent. If you do not agree, you may not use the Service.

2. The Service

2.1 AI-powered digital service

Moloop is a software-as-a-service platform delivered over the internet. It enables customers to obtain and manage API access to supported AI models and to monitor their account, credits, and usage. The Service is a digital, intangible product. Access is made available after payment confirmation, subject to account and security checks.

2.2 Third-party AI providers

The Service may rely on third-party AI model providers and infrastructure providers. Model availability, response quality, latency, capabilities, and content may be affected by those providers. We may add, remove, or replace models and providers where reasonably necessary to operate the Service.

2.3 Service changes

We may modify, suspend, or discontinue features, models, plans, or credit offerings where reasonably necessary for security, legal compliance, provider changes, or operation of the Service. Material changes to active paid subscriptions will be notified as required by applicable law.

3. Accounts and Security

You must provide accurate and complete account and billing information, keep your billing email address current, and maintain the confidentiality of your credentials and API keys. You are responsible for all activity conducted through your account and API keys.

Do not share credentials or API keys with unauthorized third parties. Notify us immediately at [email protected] if you suspect unauthorized account access, credential exposure, or other security incident. If you register on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

4. Plans and Credits

4.1 Hybrid billing model

Moloop offers both recurring subscription plans and separately purchased credit packages. A subscription plan may include a specified allocation of credits or other Service access for each billing period. Separately purchased credits may be used to access eligible Service features in addition to any credits included with a subscription. Current plans, included credits, credit packages, pricing, currencies, and any applicable limits are displayed at checkout or at https://moloop.io/pricing.

4.2 Changes to offerings

We may introduce, change, or retire plans, credit packages, and features. A price change to an existing subscription will take effect only after the notice required by applicable law and no earlier than the next renewal period, unless you expressly agree otherwise.

5. Billing and Payment

5.1 Subscription auto-renewal authorization

By selecting a paid subscription and providing a payment method, you expressly authorize MoLoop AI and its payment processor, Waffo Pancake, to charge the subscription fee, applicable taxes, and any disclosed recurring charges to your selected payment method at the interval shown at checkout. Your subscription renews automatically at the end of each billing period unless you cancel it in accordance with Section 6.

For annual subscriptions, we will send a renewal reminder before renewal when required by applicable law. The amount, currency, billing interval, and renewal date are presented at checkout and in your order or subscription confirmation.

5.2 One-time credit purchase authorization

Each purchase of a separate credit package is a one-time transaction. By completing checkout, you authorize MoLoop AI and Waffo Pancake to charge the amount shown at checkout, including applicable taxes, to your selected payment method. A credit purchase does not create a recurring charge unless you separately opt in to a recurring purchase feature and its authorization is displayed at that time.

5.3 Taxes

Unless otherwise stated at checkout, prices exclude applicable taxes. Waffo Pancake may calculate, collect, and remit applicable taxes as merchant of record or as otherwise required by law.

6. Cancellation and Access After Cancellation

6.1 How to cancel a subscription

You may cancel a subscription at any time through https://moloop.io/console/account or by contacting [email protected] from the billing email associated with your account. Online cancellation must be available without requiring email support.

Cancellation takes effect at the end of the current paid billing period. You will retain subscription access and any then-available subscription credits through that period, unless these Terms are breached or the law requires earlier suspension. We will send a cancellation confirmation to your billing email.

6.2 Separately purchased credits

Cancellation of a subscription does not cancel separately purchased credits. Separately purchased, unused credits remain available until their stated expiration date, subject to these Terms and applicable law.

6.3 Account deletion

You may request deletion of your account at [email protected]. We retain account data for ninety (90) days after cancellation or deletion before deletion, except where we must retain it for legal, tax, fraud-prevention, dispute-resolution, or security purposes.

7. Refund Policy and Credit Rules

7.1 Subscription refunds

Subscription fees are generally non-refundable because the Service is made available immediately. The following exceptions apply:

  • First subscription safeguard: a first-time subscriber may request a full refund within seven (7) days after the first subscription payment if the account has used no more than twenty percent (20%) of the plan's included allowance.
  • Duplicate or erroneous charge: we will refund a verified duplicate charge or billing error.
  • Verified service interruption: if an interruption caused by us prevents material use of the Service for more than seventy-two (72) consecutive hours, we may provide a pro-rated refund, credit, or extension, as appropriate.
  • Mandatory rights: nothing in these Terms limits any cancellation, withdrawal, refund, or consumer-protection right that cannot legally be excluded.

7.2 Credit refunds

Consumed credits are non-refundable. A separately purchased credit package may be refunded in full if requested within seven (7) days of purchase and no credits from that package have been used. Verified duplicate charges or billing errors will be refunded. Mandatory statutory rights remain unaffected.

7.3 Subscription-credit rollover

Credits included with a subscription do not roll over to the next billing period and expire at the end of that billing period, unless a plan's checkout terms expressly state otherwise.

7.4 Separate-credit validity

Separately purchased credits remain valid for twelve (12) months from the purchase date, unless a longer validity period is shown at checkout or required by applicable law. We will send a reasonable reminder before credits expire where required by law or where we have committed to do so.

7.5 Credit consumption order

When both subscription credits and separately purchased credits are available, Moloop consumes subscription credits first, then separately purchased credits, unless the applicable product or checkout terms clearly state a different order.

7.6 Requesting a refund

Send refund requests to [email protected] with the account email address, transaction or order ID, and reason for the request. We will acknowledge a request within two (2) business days and process an approved refund to the original payment method within five to ten (5-10) business days, subject to the payment provider's processing times.

8. Billing Disputes

If you believe a charge is incorrect, please contact [email protected] before initiating a chargeback or payment dispute. We will respond within two (2) business days and work to resolve verified billing errors within five (5) business days. This does not limit any non-waivable legal right you may have.

9. AI Content and Intellectual Property

9.1 Output

As between you and us, and subject to these Terms and applicable third-party provider terms, you own the AI-generated output created from your inputs through the Service ("Output"). You may use Output for lawful purposes. We do not represent or warrant that Output is unique, non-infringing, accurate, or suitable for any particular purpose.

9.2 Inputs

You retain ownership of content you submit to the Service ("Input"). You grant MoLoop AI a limited, non-exclusive license to process Input solely to provide, secure, maintain, and support the Service. We will not use your Input to train AI models without your explicit consent.

9.3 Third-party provider terms

Your use of particular models may also be subject to the applicable model provider's terms, acceptable-use policies, and technical restrictions. You are responsible for complying with those terms when using that model.

9.4 Output accuracy

AI output may be inaccurate, incomplete, offensive, or out of date. You must review and verify Output before relying on or distributing it. Do not rely on Output as legal, medical, financial, or other professional advice.

10. Acceptable Use

You may use the Service only for lawful purposes and in accordance with these Terms. You must not use, or allow others to use, the Service to:

  • generate unlawful, defamatory, harassing, fraudulent, or deceptive content;
  • generate, distribute, or facilitate deceptive deepfakes or AI-generated audio, video, or images that impersonate a real person or mislead others about origin or authenticity;
  • create sexualized content involving minors or otherwise violate child-safety laws;
  • create malware, phishing material, or tools for cyberattacks;
  • infringe intellectual-property, privacy, publicity, or other rights;
  • bypass, interfere with, or probe Service security, rate limits, access controls, or technical restrictions;
  • resell, sublicense, share, or subcontract access to the Service without our prior written approval;
  • use Inputs, Outputs, model responses, or derived data to train, fine-tune, benchmark, distill, or otherwise develop an AI or machine-learning model that competes directly or indirectly with Moloop or MoLoop AI;
  • systematically scrape, extract, or collect model output other than for your own authorized use; or
  • present AI-generated material as work produced by a qualified human professional where doing so could cause harm, including in medical, legal, or financial contexts.

We may investigate suspected violations and suspend or terminate access where reasonably necessary to protect users, providers, the Service, or legal compliance.

11. Data, Privacy, and Security

Our Privacy Policy at https://moloop.io/privacy-policy explains how we process personal data. Payment-card data is handled exclusively by our PCI-DSS-compliant payment processor, Waffo Pancake, and is not stored on Moloop's servers. You must not submit personal data or confidential data to AI models unless you have a lawful basis and all necessary rights, notices, and consents to do so.

12. Disclaimers and Limitation of Liability

12.1 Disclaimer

The Service is provided "as is" and "as available." To the maximum extent permitted by law, MoLoop AI disclaims all warranties, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, non-infringement, availability, and output accuracy.

12.2 AI disclaimer

AI-generated content may be inaccurate, incomplete, or outdated. Do not use it as a substitute for professional advice. You are responsible for reviewing and validating it before taking action or making it available to others.

12.3 Limitation of liability

To the maximum extent permitted by law, MoLoop AI will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, data, goodwill, or business opportunity. Our aggregate liability arising from or relating to the Service will not exceed the amount you paid us for the Service in the twelve (12) months before the event giving rise to the claim. Nothing in these Terms excludes liability that cannot legally be excluded or limited.

13. Termination

These Terms remain effective while you use the Service. We may suspend or terminate your account or access for a material breach of these Terms, suspected fraud, security risk, legal obligation, or provider requirement. If we terminate a paid subscription for reasons other than your breach, we will provide a pro-rated refund for any prepaid and unused subscription period where required by law or appropriate in the circumstances.

14. Governing Law and Disputes

These Terms are governed by the laws of Hong Kong SAR, excluding its conflict-of-laws rules. Before starting formal proceedings, you agree to contact [email protected] and attempt to resolve the dispute informally.

15. General Terms

We may update these Terms from time to time. For a material change, we will provide at least fourteen (14) days' prior notice by email or through the Service, unless a shorter period is required for security, legal, or operational reasons. Continued use after the effective date of the revised Terms constitutes acceptance to the extent permitted by law.

If any provision is unenforceable, the remaining provisions remain in effect. These Terms and the Privacy Policy form the entire agreement between you and MoLoop AI concerning the Service, except for any separate written agreement signed by both parties.

16. Contact Information

For questions about the Service, billing, or these Terms, contact:

By using the Service or checking the agreement box at checkout, you acknowledge that you have read and agree to these Terms.

Last updated: August 20, 2026 · Version 1.0 · MoLoop AI · https://moloop.io