Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of the AI Liability & Compliance Calculator website and all associated tools, content, and services (collectively, the "Service"), operated by AI Liability Calculator ("we," "us," or "our").

By accessing or using the Service in any manner, you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to all of these Terms, you must not access or use the Service. These Terms apply to all visitors, users, and others who access or use the Service.

2. Description of Service

The Service provides an interactive calculator designed to estimate potential financial exposure under the EU AI Act (Regulation (EU) 2024/1689) and related regulatory frameworks. Outputs include estimates of regulatory fines, legal defense costs, compliance remediation costs, and reputational impact based on user-provided inputs.

The Service is intended to help organizations understand the general magnitude of AI regulatory risk as a starting point for internal discussions and further professional engagement. It is not a substitute for a formal AI compliance audit, legal analysis, actuarial assessment, or insurance underwriting.

3. No Legal or Professional Advice

Nothing on this Service constitutes legal advice, regulatory advice, tax advice, financial advice, or insurance advice. The information provided through the Service, including calculator outputs, expert analysis articles, and all other content, is provided for general informational purposes only.

Regulatory fine calculations are estimates based on EU AI Act statutory provisions as interpreted by us. Actual fine amounts determined by national competent authorities or the European AI Office will depend on the specific facts of each case, regulatory discretion, mitigating and aggravating factors, and legal proceedings that cannot be captured by a generalized calculator.

We strongly recommend that any organization making compliance decisions, assessing legal exposure, procuring insurance, or responding to regulatory investigations engage qualified legal counsel, certified compliance professionals, and licensed insurance advisors with specific expertise in EU AI Act compliance and cyber liability.

4. Accuracy and Completeness of Information

While we make reasonable efforts to ensure that the information and logic underpinning the Service reflects current regulatory requirements as of the effective date stated above, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the Service or the information, products, services, or related content contained therein.

Regulatory frameworks, enforcement guidance, and market practices evolve rapidly. The EU AI Act implementing acts, delegated regulations, and NCA enforcement decisions may modify applicable standards after the date of our last update. We cannot guarantee that our calculator reflects the most current legal position at any given time.

Any reliance you place on information obtained through the Service is strictly at your own risk.

5. Intellectual Property Rights

The Service and its original content, features, and functionality are and will remain the exclusive property of AI Liability Calculator and its licensors. The Service is protected by copyright, trademark, and other intellectual property laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your own lawful, non-commercial informational purposes. You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any content from the Service without our express written permission.

6. User Responsibilities and Prohibited Uses

You agree to use the Service only for lawful purposes. You must not use the Service to:

• Violate any applicable local, national, or international law or regulation
• Transmit any unsolicited or unauthorized advertising or promotional material
• Impersonate any person or entity or misrepresent your affiliation with any entity
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Service, or which we determine may harm us or users of the Service
• Use the Service to make investment decisions, legal representations to regulators, or formal compliance filings without independent professional verification
• Attempt to gain unauthorized access to any portion of the Service or its related systems
• Scrape, crawl, or systematically extract data from the Service in a manner that exceeds normal use

7. Limitation of Liability

To the fullest extent permitted by applicable law, AI Liability Calculator, its officers, directors, employees, agents, licensors, and service providers shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to loss of profits, loss of revenue, loss of data, loss of goodwill, business interruption, or the cost of substitute services, arising out of or relating to your use of or inability to use the Service, however caused, whether based on warranty, contract, tort (including negligence), strict liability, or any other legal theory, even if we have been advised of the possibility of such damage.

In no event shall our aggregate liability to you for all claims arising out of or related to the Service exceed the greater of (i) the amount you paid us to access the Service in the twelve months preceding the claim, or (ii) one hundred euros (€100).

Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above limitations may not apply to you in full. In such jurisdictions, our liability will be limited to the maximum extent permitted by applicable law.

8. Disclaimer of Warranties

The Service is provided on an "AS IS" and "AS AVAILABLE" basis without any warranties of any kind, whether express, implied, statutory, or otherwise, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or currentness of any information provided through the Service.

9. Third-Party Links and Advertising

The Service may contain links to third-party websites and may display advertisements from third-party networks including Google AdSense. These links and advertisements are provided for your convenience and informational purposes only. We have no control over the content, privacy policies, or practices of any third-party website and accept no responsibility for them.

The appearance of any advertisement on the Service does not constitute our endorsement of the advertised product or service. You should conduct your own due diligence before engaging with any advertiser. Third-party advertising networks may collect data about your browsing behavior as described in our Privacy Policy.

10. Indemnification

You agree to defend, indemnify, and hold harmless AI Liability Calculator and its officers, directors, employees, agents, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Service, including any use of content other than as expressly authorized in these Terms.

11. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with applicable law, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or your use of the Service that cannot be resolved informally shall be subject to binding arbitration in accordance with applicable arbitration rules, except that either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent actual or threatened infringement of intellectual property rights.

If you are located in the EEA or UK, mandatory consumer protection laws in your country of residence may apply and provide additional rights that cannot be excluded by contract.

12. Modifications to Terms

We reserve the right to modify these Terms at any time at our sole discretion. We will notify you of significant changes by posting the updated Terms on this page and updating the "Last Updated" date. Your continued use of the Service following any modification constitutes your acceptance of the modified Terms. We encourage you to review these Terms periodically.

13. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

14. Severability and Waiver

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision will be modified to the minimum extent necessary to make it valid and enforceable.

Our failure to exercise or enforce any right or provision of these Terms will not constitute a waiver of such right or provision. A waiver of any provision shall only be effective if in writing and signed by our authorized representative.

15. Entire Agreement

These Terms, together with our Privacy Policy and any other agreements expressly incorporated herein, constitute the entire agreement between you and AI Liability Calculator concerning the Service and supersede all prior agreements, understandings, negotiations, and discussions, whether oral or written, between you and us.