Legal

Terms of Service

Last updated: October 9, 2026

These Terms of Service ("Terms") govern your use of AccessMe.ai (the "Service"), operated by AccessMe AI LLC, an Indiana limited liability company ("AccessMe", "we", "us"). By creating an account, purchasing a platform plan or credits, or interacting with a digital twin, you agree to these Terms and to our Privacy Policy and Refund Policy, which are incorporated by reference.

1. The Service

AccessMe is a software-as-a-service platform where clergy, coaches, authors, educators, and other creators ("Creators") and the organizations that host them ("Organizations") offer AI chat assistants ("digital twins" or "twins") trained on the Creator's own content. Audience members ("Audience") interact with twins in sessions.

Organizations pay a monthly platform subscription. Audience members purchase prepaid usage credits to chat with twins on our platform. Everything we sell is delivered instantly online; we sell no physical goods.

Digital twins are AI systems. A twin is an AI representation of its Creator, trained on content the Creator provided. It is not the Creator, and its responses are generated automatically and may be inaccurate or incomplete. Every twin is labeled as an AI representation. Twins are not a substitute for professional medical, legal, financial, mental-health, or emergency services.

2. Accounts

You must be at least 18 years old to use AccessMe. AccessMe is not for children, and we do not knowingly collect information from anyone under 18. An account (login) is required to start a session with a twin or to purchase credits. You are responsible for safeguarding your credentials and for all activity under your account. Provide accurate information and keep it current.

3. Platform plans (organizations and creators)

• Platform plans are billed monthly in advance and renew automatically until cancelled. You may cancel at any time from your dashboard; your plan remains active through the end of the paid period.
• Each plan includes a set number of twins and a monthly allowance of credits ("included Studio Credits"). Included Studio Credits expire at the end of each billing period and do not carry over. They are a monthly allowance, not a balance.
• Organizations may purchase additional Studio Credits ("extra Studio Credits"). Extra Studio Credits do not expire while the account is in good standing.
• When an Organization's Studio Credits are exhausted, the Organization chooses in its settings whether to automatically purchase more credits with a saved payment method, to pause free sessions until the next billing period, or to charge Audience members a per-session price.
• Prices may change with at least 30 days' notice. Launch pricing is described on our Pricing page.

4. Credits and sessions

4.1 What credits are

Credits are a single, platform-wide unit of prepaid usage used to pay for sessions with twins on AccessMe. Purchasing credits is a purchase of a service from AccessMe, delivered instantly to your account. Credits come in two forms: Studio Credits, which are included with or purchased under a platform plan by Organizations and Creators and cover free sessions on their twins; and the credits Audience members purchase and use to pay for paid sessions with any twin.

4.2 Credit rules

• Closed-loop. Credits can be used only on AccessMe for sessions with twins. They cannot be used anywhere else.
• No cash value. Credits have no cash or monetary value, are not money, are not a deposit or stored value, and cannot be withdrawn, redeemed for cash, or exchanged for anything other than sessions on AccessMe.
• Non-transferable. Credits cannot be transferred, gifted, sold, or assigned to another person or account.
• Expiration. Credits you purchase do not expire while your account is in good standing. Included Studio Credits that come with an Organization's platform plan expire at the end of each billing period (see Section 3).
• Not a donation. Credits purchased from AccessMe are a purchase of a service, not a donation, gift, or offering, and are not tax-deductible — including when a church, ministry, or other organization encourages its members to use its twin.
• Promotional credits. We may grant free or promotional credits at our discretion. Promotional credits have no cash value, may carry their own expiration, and are not refundable.

4.3 Sessions

• A session is a conversation between one Audience member and one twin, open for up to 24 hours. A fair-use limit on the number of messages applies within each session. Returning to the same twin within the 24-hour window is part of the same session.
• Each twin's owner chooses whether the twin is free to the Audience (each session is paid with 1 Studio Credit from the Organization's allowance and shown as "Free, provided by" the Organization) or paid per session (the owner sets a price of at least 2 credits, which the Audience member pays from their own credits).
• The price of a paid session is shown before the session starts. Credits are deducted when a session begins.

4.4 Charges on your statement

Charges from AccessMe appear on your card or bank statement as ACCESSME.AI.

5. Refunds

• Purchases are final and non-refundable, except as stated in this section or required by law. Credits used for sessions are non-refundable.
• Technical faults. If a technical fault on our side stopped you from using a session, contact support@accessme.ai from the email address on your account within 14 days and we will restore the credits.
• If we close your account or the Service. If we shut down AccessMe, or close your account when you have not broken these Terms, we will refund purchased credits you have not used (see Section 12).
• Promotional or free credits are never refundable and have no cash value.
• Platform plan fees are billed in advance and are non-refundable for the current billing period, except where required by law. We do not refund partial months.

Our standalone Refund Policy contains the full details and controls in the event of any conflict with this section.

6. Creator earnings and payouts

• Only paid sessions generate earnings. Free twins do not generate earnings.
• For each paid session, the Organization earns the credit value of the session less the AI processing cost of that session and the AccessMe platform fee for the Organization's plan (the "revenue share"). The current platform fee for each plan is shown on the Pricing page and in your dashboard.
• Your share is what remains after the AccessMe platform fee shown in your dashboard, payment processing fees, refunds, and chargebacks.
• Your share is paid to the Organization's bank account through Stripe Connect. To receive payouts, you must complete Stripe's onboarding and agree to the Stripe Connected Account Agreement. AccessMe does not collect or store your bank account details.
• We may delay a payout while we review suspected fraud or a breach of these Terms, and we may withhold, offset, or reverse earnings associated with refunded, disputed, or fraudulent sessions.
• You are responsible for any taxes on your earnings. Where required, Stripe or AccessMe may collect tax information and issue tax forms.

7. Creator and organization responsibilities

• You must own or have the right to use all training content you upload, including books, sermons, recordings, and other materials.
• You may only create a twin of yourself, or of a person who has given you documented consent. You may not create a twin that impersonates another real person without their authorization.
• Every twin must remain clearly labeled as an AI representation. You may not remove or obscure the AI disclosure.
• You are responsible for the guidance your twin gives and for the content you train it on. Do not present your twin as a substitute for professional or emergency help.
• You may not describe credits, sessions, or any AccessMe purchase as a donation, gift, offering, or tax-deductible contribution.
• You must comply with applicable laws, including consumer-protection and (where applicable) messaging and calling laws, and obtain any required consent from your Audience.

8. Audience member terms

When you interact with a twin, your messages are stored. Where a twin offers both, you choose whether a conversation is in normal mode or private mode. In normal mode, your messages are visible to the Creator or Organization that owns the twin; do not share information in normal mode that you would not want them to see. In private mode, the Creator or Organization cannot read your messages, and the conversation is not included in the audience insights provided to them. AccessMe stores and processes private-mode messages only as needed to provide the Service and as described in our Privacy Policy. Twins can be wrong. If you are in crisis or need emergency help, contact local emergency services — a digital twin cannot provide emergency assistance.

9. Acceptable use

You may not use the Service to harass, deceive, or harm others; to generate unlawful, hateful, or sexually explicit content involving minors; to send unsolicited messages; to infringe intellectual property; to circumvent credit rules (including attempting to transfer or resell credits); or to interfere with the Service's operation. We may suspend or terminate accounts that violate these Terms.

10. Intellectual property

You retain ownership of your training content, your likeness, and your conversations. You grant AccessMe a license to use them solely to operate the Service for you. AccessMe retains all rights to the platform, software, and branding.

11. Disclaimers and limitation of liability

The Service is provided "as is." AI-generated responses may be inaccurate or incomplete. To the fullest extent permitted by law, AccessMe disclaims all warranties, express or implied, and is not liable for indirect, incidental, or consequential damages. Our total liability is limited to the amount you paid us in the twelve months before the claim.

12. Termination and wind-down

You may close your account at any time. We may suspend or terminate access for violations of these Terms or for legal reasons. Upon termination, you may export your data for 30 days, after which it is deleted. If your account is terminated for a violation of these Terms, remaining credits may be forfeited to the extent permitted by law.

If we close your account or the Service. If we shut down AccessMe, or close your account when you have not broken these Terms, we will refund purchased credits you have not used.

13. Governing law

These Terms and any dispute about the Service are governed by the laws of the State of Indiana, without regard to conflict-of-law rules. Before filing a claim, each side will send the other a written description of the dispute and try in good faith to resolve it for 30 days; send yours to support@accessme.ai. Any dispute not resolved informally will be heard only in the state or federal courts located in Indiana, and you and AccessMe consent to those courts. If you use the Service as a consumer, you may have rights under the law where you live that a contract cannot take away; these Terms do not limit those rights.

14. Changes

We may update these Terms. Continued use after changes take effect constitutes acceptance. Material changes will be communicated by email or in-product notice.

15. Contact

AccessMe AI LLC, an Indiana limited liability company
334 North Senate Avenue
Indianapolis, IN 46204-1708
Support: support@accessme.ai · Legal: legal@accessme.ai
See our Contact page.