These Terms of Service are provided by Creosy Technologies, Inc., a Delaware corporation. They govern the Service when you accept them under section 1. Contact: support@creosy.ai.

1 The agreement and who may use Creosy

These Terms govern your use of Creosy.ai and the campaign creation, review and advertising services we make available through it (the “Service”). “Creosy”, “we”, “us” and “our” mean Creosy Technologies, Inc., a Delaware corporation. “You” means the person entering this agreement or the organisation that person is authorised to represent. The US company is your contracting service provider and receives your payments. We may use affiliates and contractors, including development providers in Cyprus, while remaining responsible for our obligations to you.

You must be at least 18, have legal capacity to contract and have authority to act for any organisation you represent. Creosy is designed primarily for solo entrepreneurs and small businesses, but personal use is permitted. Your actual purpose and applicable law determine whether you are a consumer; section 18 preserves consumer protections. Availability depends on applicable law, sanctions, payment support and platform restrictions. We may decline a transaction we cannot lawfully or operationally support.

You accept these Terms through the acceptance control presented during registration or purchase. Acceptance alone does not authorise subscription billing, an advertising payment, a campaign launch or a material campaign change. Each requires the separate authorisation described below. We keep a record of the version you accept.

A purchase summary accepted by you governs the price, billing period and included features of that purchase. These Terms govern the rest of the relationship unless a separately signed agreement expressly overrides a particular provision. A Data Processing Agreement, where applicable, governs processing on your behalf. Our separate Privacy Notice explains personal data practices and is provided through the Service or on request to support@creosy.ai. Accepting these Terms is not consent to optional marketing or unrelated data use.

2 What Creosy provides

Creosy helps turn information about an offer, website or product into an editable campaign recommendation and draft. Features may include static Meta creatives, Google Search drafts, campaign review and recommendations based on available results. Your purchase summary identifies what is included. Initially, managed campaign launch is offered on Meta through the arrangement in section 3. A draft or export feature does not include launch or ongoing management unless expressly offered. Future integrations, customer-owned account connections and tracking features are not included until made available and accepted under their applicable terms.

Drafts, suggested budgets, forecasts and recommendations require your review. We do not guarantee platform approval, customers, leads, sales, revenue, profitability or a particular return on advertising spend. Examples and estimates are not promises of your results. We will nevertheless provide the Service with reasonable care and skill and honour the express commitments in these Terms.

3 Your account and the Creosy Marketplace Page

Provide accurate account and billing information, protect your credentials and promptly report suspected misuse. You are responsible for people you authorise to use your Creosy account and for keeping their permissions current. You are not responsible merely because activity appears under your account if it resulted from our breach or a security failure for which we are legally responsible.

In the initial managed service, we arrange advertising for your approved offer through advertising accounts we own or operate and a Facebook Page branded “Creosy Marketplace”. Ads appear under that Page identity while promoting your offer. You authorise us to present your approved brand and offer in that context. We will identify the advertising identity in the campaign approval summary and make the advertised seller and destination clear in the approved journey.

You receive available campaign information through your Creosy dashboard rather than direct access to our Page, advertising account or platform billing tools. Purchasing a campaign does not give you ownership of, administrator access to, or a right to transfer those assets, their followers, shared audiences or tracking infrastructure. Your rights to your content and available exports are described in sections 9, 10 and 15. Your private campaign information will not be disclosed to other customers merely because they use the same Page or account. Approved public ads and any disclosures required by law or platform transparency rules remain public.

The approved visitor journey runs from the ad to a Creosy-hosted introductory page (“pre-landing page”), then to your website. The pre-landing page and final destination form part of the campaign submitted for your approval. “Creosy Marketplace” is the Page name; the initial service does not operate a checkout for the advertised products. Section 11 allocates responsibility for purchases on your website.

If customer-owned pages, accounts or tracking are later supported, you may connect only assets you own or are authorised to manage. We will explain the required permissions, responsibilities and any transfer limits before activation. Connecting an asset will not itself authorise spending or publication, and access may be revoked subject to the practical need to stop existing campaigns first.

4 Campaign approval, review and launch

Before launch, we will present the campaign for your review, including the platform and Page identity, creative and claims, pre-landing page, final website destination, objective, material targeting settings, schedule and time zone, media budget, currency, total authorised payment and any separate fees or taxes. We will identify relevant platform automation and budget behaviour. You must give an affirmative instruction through the launch approval control or an equivalent written confirmation identifying the reviewed campaign. We keep a record of that version and your approval.

The initial payment and review sequence is: your campaign and payment approval; authorisation of the disclosed total, including any separate commission and taxes, on an eligible payment method; Creosy manual review; Meta review; capture after both reviews approve the campaign; and then activation for delivery. An authorisation reserves funds and may appear as a pending transaction; it is not our collection of payment. Delivery remains disabled until the required approvals are in place and capture succeeds. Review does not guarantee future delivery or continued platform approval.

If a review fails or the campaign cannot launch within the approved schedule, we will not capture solely to preserve a payment authorisation. We will cancel an uncaptured authorisation when the order is cancelled or rejected; your issuer controls when the hold disappears. Authorisations can expire, and methods that cannot support this sequence will not be offered for it. If a new authorisation is needed, we will ask you to confirm it. A payment failure leaves delivery disabled. If capture succeeds but activation fails, we will notify you and handle unused funds under section 7.

An approved campaign cannot be edited in place. To change it, request a stop and submit a replacement for fresh customer approval, Creosy review and platform review. We will not launch, relaunch, increase spend or make material changes without your explicit approval. Material changes include the offer, claims, creative, pre-landing content, destination, objective, material targeting, platform or duration. If a reviewer requires a material change, the revised version returns to you for approval before further submission or charging.

An approved platform may adjust delivery or bids within the settings and automation you approved. Technical formatting that does not materially change the approved message or settings may be applied for submission. These permissions do not allow a higher budget, new automation or a broader campaign scope. Do not replace the approved website offer or redirect visitors to an unreviewed destination while the campaign is running; submit material changes for review.

Initial campaigns on our Page are limited to no more than seven days within the start and end schedule you approve. Additional budget limits, including limits for early launches, are shown before approval. We do not automatically extend an end time, restart a stopped campaign or increase a budget because delivery was delayed, results were good or funds remain. We may stop at the approved end or limit, on your request, or to address suspected fraud, unlawful or unauthorised activity, security risk or a platform requirement. We will notify you promptly where legally permitted. A protective stop does not authorise a restart.

5 Subscriptions, billing and cancellation

Before purchase, we disclose the price, currency, taxes, included usage, billing interval, any trial or introductory period, subsequent renewal price and how to cancel. Additional services and usage charges require disclosure and your confirmation. Subscription charges are separate from media budgets and campaign commissions.

Subscriptions are paid in advance and renew at the disclosed interval only if you authorise recurring billing. They continue until cancelled. We send purchase confirmations and any renewal or trial-ending notices required by law. A trial converts to paid access only on the terms you accept. We give at least 30 days’ notice of a subscription price increase and apply it no earlier than a renewal after that period, obtaining renewed consent where required. We do not change the price of an already paid period.

You may cancel renewal through the available billing controls or by emailing support@creosy.ai from, or identifying, your account email address. Cancel before the next renewal to avoid its charge. We confirm the effective cancellation date. Unless you request immediate closure or mandatory law provides otherwise, cancellation stops future renewals and paid access continues through the current paid period. It does not by itself entitle you to a partial-period refund.

Deleting your account, uninstalling an application or ceasing use does not itself cancel a separately authorised subscription, unless applicable law requires otherwise. Cancel each active subscription before requesting account deletion. We will explain this distinction during deletion and keep cancellation by email available without login. If your message also asks us to cancel billing, we will treat it as a cancellation request. We will not require you to recreate a deleted account to cancel. An express cancellation instruction takes priority over a general account-deletion request. We will not renew a subscription if account deletion makes us unable to provide the subscribed service.

Cancelling a subscription does not cancel a separately approved and funded advertising campaign. Campaign stopping and advertising refunds are governed by section 7. Account deletion requests a campaign stop but does not itself create a refund entitlement or cancel recurring subscription billing. If we permanently terminate your paid subscription service, we also end its future renewals under section 15.

Except for mandatory rights, express remedies elsewhere in these Terms or a refund we approve, subscription payments are nonrefundable. This includes unused time, non-use, dissatisfaction with a particular draft or disappointing business results. We correct duplicate and erroneous charges. If we materially fail to supply the paid subscription service and do not remedy the failure within a reasonable time after notice, you may end that service and receive a proportionate refund for the undelivered part.

If a plan includes generation credits or usage allowances, its purchase summary states what consumes them and any expiry or rollover rule. Failed jobs that deliver no output do not consume the allowance. We do not automatically buy extra credits for you. Generation credits are separate from media allocations; their expiry rules do not apply to media money.

6 Advertising budgets, commissions and spending limits

Advertising payments fund delivery of your approved campaign through our platform account. You authorise us as your advertising service provider to arrange and pay for that delivery. We contract with and pay the platform through our account; your payment relationship for this service is with Creosy. Subscription fees, media budgets and campaign commissions are separate items.

We may charge a campaign commission in addition to the media budget. This commission can cover payment processing and administration costs. Before you authorise a payment, we show the commission amount or calculation, the media budget, applicable taxes and any other lawful charges, together with the total payable. The commission is a Creosy charge; it is not represented as a charge imposed on you directly by Stripe or another processor. We do not deduct it from the amount identified as your media budget.

The full media budget is allocated to your approved advertising. A commission becomes payable when the corresponding approved campaign payment is captured under section 4, unless the purchase summary states a different earning condition. Its refund treatment is governed by section 7. We may change commissions for future orders, but a new rate must be shown before a new approval and does not change an accepted order retrospectively. Any fee based on the payment method must comply with applicable law and payment-network rules; no provision here authorises a prohibited surcharge.

Where currency conversion is needed, we disclose its method and any charge before approval. Charges that we pass to you must be disclosed and lawful; they do not silently reduce the agreed media allocation. We separately record campaign payments, actual media spend, adjustments, commissions and remaining media allocations, and make an understandable statement available.

Media funds remain dedicated to your authorised advertising and any refunds required by law or these Terms. We do not use unspent media allocations for development or general operating costs. Separate accounting is not a representation of a bank trust, regulated safeguarding or deposit-insurance protection. An unused allocation is governed by section 7; it is not an unconditional right to a cash refund.

An available allocation does not authorise another campaign. We do not automatically top up or transfer it between campaigns. We do not use media allocations for subscription fees or commissions. Reallocation to another campaign requires your express instruction. Subscription cancellation or account deletion does not by itself authorise forfeiture of a remaining media allocation or spending it on an unapproved campaign. Promotional credits are subject to their disclosed conditions and may have no cash value; they are identified separately from money you paid.

The approval summary distinguishes an average daily budget, a total limit and an estimate. Daily delivery can vary. We configure controls for the approved total and do not treat reporting delays, a pending stop or an average daily budget as permission to increase that total. You are responsible for valid platform spend within your approval before a stop takes effect, subject to mandatory rights.

You are not responsible to us for extra spend caused by our unauthorised instructions, configuration error or failure to apply agreed controls. We correct amounts wrongly charged or taken from your media allocation. Any separate damages claim is governed by section 16. Platform charges above your authorised budget do not become your obligation without fresh approval.

Platform refunds, rebates or billing adjustments attributable to your paid advertising are credited to your allocation without double recovery and reconciled under section 7. Allocation across different platforms requires your approval of the amounts and destinations; the initial managed service uses Meta.

7 Campaign stops, unused allocations and refunds

You may request a campaign stop through the available campaign controls or by emailing support@creosy.ai with the campaign identifier. We submit the instruction promptly and report its status. A pending request does not confirm that delivery has ended. Valid charges within your approval may accrue until the platform stops delivery, but your total authorised budget does not increase.

Cancelling subscription renewal leaves an already approved and funded campaign running to its approved end unless you also request a stop or a suspension is necessary under these Terms. A new subscription payment is not required solely to finish that campaign. This does not extend general paid software access beyond the subscription period. Campaign stopping requests and payment enquiries remain available through support. Account deletion requests a stop of campaigns we manage; it is separate from subscription cancellation as explained in section 5.

Advertising payments, including media allocations and campaign commissions, are generally nonrefundable to the extent permitted by law. A change of mind, early stop, unused allocation, subscription cancellation, account deletion or poor performance does not by itself entitle you to a cash refund. Refunds required by law or expressly due under these Terms take priority. We may consider other full or partial refunds individually at our discretion.

A genuinely unused media allocation remains recorded for approved advertising; it is not automatically refunded when a campaign ends. You may ask to apply it to a replacement campaign, subject to fresh customer approval, Creosy review and platform review. We do not edit or relaunch the stopped campaign automatically. Support remains available after account deletion to identify the remaining allocation and handle a proposed replacement or refund request. We do not require a new subscription solely to request a refund decision or an account statement. Any additional commission for a replacement must be disclosed before approval; we do not charge again for the same payment-processing event.

If capture succeeds but a campaign cannot launch or delivery is interrupted, we will explain the status and the unused allocation. A replacement requires your approval; any refund request is assessed under this section. If we permanently discontinue the advertising service available to you and cannot apply the remaining allocation to approved delivery, we return the unused portion after reconciliation. We do not retain that portion as a cancellation penalty. Rejection before capture results in cancellation of the authorisation rather than a refund of money we never collected.

To request a refund, contact support@creosy.ai with the account, payment and campaign details and explain the reason. We may request information reasonably needed to establish the facts. A discretionary decision does not limit a statutory right, complaint or payment dispute. We do not impose a contractual deadline that shortens a mandatory claim period. A refusal of a discretionary refund does not convert an unused media allocation into earned subscription revenue or commission.

For a refund that is approved or required, we reconcile captured payments against valid spend, reasonably evidenced non-cancellable commitments within your approval, attributable adjustments and the applicable treatment of separately disclosed commissions. We explain the calculation and the amount to be returned. We process refunds within any legally required deadline and otherwise without unreasonable delay after the amount due is established. Refunds normally return to the original payment method; provider posting times may vary. If that method cannot receive a refund, we agree a lawful alternative. Mandatory consumer rights, including permitted deductions during a withdrawal period, take priority over this calculation.

8 Payment problems and disputes

Payments are handled through the payment provider identified at checkout. Keep your payment information current. After a failed subscription payment, we may notify you, make disclosed and lawful retries and suspend paid access. We will not use your advertising balance to cover the failed payment.

Contact support promptly about a charge you do not recognise. Nothing here removes your right to dispute a payment with your bank or payment provider. A good faith dispute alone is not misuse. We may provide relevant transaction and authorisation records to resolve it as described in the Privacy Notice. If a payment is reversed, amounts properly due remain payable, but we will not recover the same amount twice. Any restriction of Service must follow section 15.

9 Your content and permission to process it

“Inputs” means material you provide or authorise us to retrieve, including product details, URLs, images, logos and text. You keep your rights in Inputs. You give us a non-exclusive, worldwide, royalty-free licence to retrieve, store, reproduce, adapt and transmit them only as needed to provide and support the Service for you, protect its security, comply with law and implement campaigns you approve. We may give the necessary permissions to contracted providers for those purposes.

You must have the rights and permissions needed for the Inputs, including permission to use identifiable people and third-party intellectual property. Providing a URL does not give us permission to bypass access controls or use material you are not entitled to use. Do not submit passwords, full payment card details, sensitive personal records or customer lists unless the Service expressly supports that use with appropriate terms.

The processing licence ends when we delete the relevant Inputs, subject to necessary backup retention, legal records and uses already lawfully published through your approved campaign. Platform retention may continue under its own terms. Our use of private Inputs and Outputs remains limited to the purposes authorised in this section. These Terms do not grant us or our providers a licence to use them for unrelated purposes; any additional licence requires your separate permission. The Privacy Notice and any applicable Data Processing Agreement describe personal data processing by our service providers and do not expand this content licence. Your campaign approval permits the agreed public advertising and pre-landing presentation of your brand and offer. It does not permit us to publish private drafts, your logo or results in unrelated Creosy promotion or case studies without separate permission.

10 Generated material and intellectual property

“Outputs” means campaign recommendations, copy, images and other draft material generated for you. As between you and Creosy, you retain rights in your Inputs and we assign to you any transferable rights we hold in your Outputs, subject to payment of applicable fees and third-party rights. If a relevant right cannot be assigned, we grant you the worldwide, perpetual, non-exclusive, royalty-free permission we are able to grant to edit, reproduce and use that Output commercially, including in advertising.

Your lawful use of Outputs already supplied and paid for may continue after cancellation. A billing dispute does not automatically revoke those rights. This does not waive properly due fees or authorise unlawful content. Templates, fonts, stock assets and other third-party material retain their own rights; we will identify material usage restrictions before you select or export affected material. Such assets may be used as part of permitted Outputs, not extracted for standalone resale unless their licence allows it.

AI material may be inaccurate, resemble other material or lack legal protection as an exclusive work. Our contractual permission does not guarantee copyright protection, uniqueness or freedom from third-party claims. You must review the final ad and secure any additional rights needed for your intended use. Creosy does not provide a separate indemnity covering the intellectual property status of generated Outputs.

We and our licensors retain the Service's software, designs, templates and brand. We grant you access for your permitted business or personal use during the applicable term. You may provide feedback voluntarily and allow us to use it to improve the Service without payment; this does not transfer your underlying business materials or permit disclosure of confidential information.

11 Advertising and merchant responsibilities

You are responsible for your advertised products and services, fulfilment, product safety, substantiation of claims, seller disclosures and customer support. Review the final creative, offer, prices, targeting, pre-landing page and destination before approval. Obtain any legally or platform-required labelling or permissions. Our manual review aims to identify fraud and campaign issues; it does not certify legal compliance, product quality, intellectual property clearance or likely results. Your approval does not excuse our own breach or unlawful conduct.

Visitors buy from or contact you on your website. For those advertised transactions, you are the seller and contracting party and handle payments, delivery, returns, complaints, warranties and applicable taxes. Creosy does not process the purchase price, fulfil your products or guarantee the transaction. We remain responsible for our own Service, representations, pre-landing operations, data practices and handling of advertising money. Nothing here removes liability that law places on us.

The pre-landing page will identify the advertised business and explain that the visitor is continuing to that business's website. You authorise the approved use of your name, marks and offer for this purpose. You must keep the approved destination lawful, safe and consistent with the campaign. Material changes to its seller, offer or redirection require review under section 4; deceptive substitution or cloaking is prohibited. We may disable the pre-landing page or stop the campaign to address a material safety, legal or policy concern.

You must not use Creosy to promote unlawful goods or services, fraud, false endorsements, fabricated testimonials, misleading claims, infringement, harassment, unlawful discrimination or exploitation of minors. Follow applicable sanctions, export restrictions and platform advertising rules. We may decline restricted sectors, countries, offers or campaigns we cannot support. Do not introduce malware, access another person's data without permission, evade billing or interfere with security. Restrictions on copying or reverse engineering apply only as law permits; lawful use and export of Outputs remain permitted under section 10.

We may refuse generation or submission of material that reasonably appears to breach these Terms or platform requirements. We will explain material restrictions where practicable and accept review requests through support. If approval is withheld, no campaign payment is captured under the initial sequence in section 4. Any already captured unused funds remain subject to section 7.

12 Platforms and campaign information

Meta, Google and other providers operate independently and may review, reject, restrict or suspend advertising, including after initial approval. Shared account or Page restrictions may interrupt your campaign even if it did not cause the restriction. We will notify you of a material interruption when we become aware of it and can lawfully do so. No substitute campaign, identity or platform is authorised without your approval. An integration does not imply a platform's endorsement of Creosy or your offer.

Our dashboard provides the campaign data available to us through platform interfaces and our supported measurement tools. It does not promise every data field, access to other customers' information or complete downstream sales attribution. Reports may arrive late, change after adjustments or differ between systems. We identify the reporting source where available and distinguish reported, estimated and verified information where relevant.

An ad click, a visit to a Creosy pre-landing page and an onward visit to your website are different events. None alone proves a purchase, lead quality or revenue. We may lack the customer-site tracking needed to measure conversions. Any future pixel or tracking connection requires the relevant permissions, notices and lawful consents; it does not guarantee better results. Recommendations require your judgement and approval before implementation.

We remain responsible for our own contractual duties, including approved instructions, reasonable care, handling funds and paying refunds due, despite platform decisions or reporting delays. You must provide the authority and permissions needed for your campaign and comply with platform requirements applicable to your offer. Platform terms do not replace the express obligations we owe you under these Terms.

13 Privacy, confidentiality and data processing

Each party must protect the other's non-public business information using reasonable care and use it only to perform this agreement or exercise lawful rights. Disclosure to people and contracted providers who need it is permitted subject to appropriate confidentiality duties. This does not restrict information already lawfully public, independently developed or lawfully received without restriction, or disclosures required by law.

Our Privacy Notice describes data use for accounts, billing, security, campaign reporting and Creosy-hosted pages, including applicable providers and international transfers. We are responsible for notices and lawful tracking on pages we operate. You are responsible for notices, lawful bases and consents required for your own website and data you supply. These Terms neither supply visitor consent nor assign every privacy responsibility to you merely because the advertised offer is yours.

Where we process personal data on your behalf, an applicable Data Processing Agreement must be in place before that processing begins. Contact support@creosy.ai to request the applicable terms. They must cover instructions, security, subprocessors, assistance, deletion and applicable international transfers. Any separate or joint controller arrangement required for a particular activity must reflect its actual purposes and control. These Terms alone do not replace those arrangements.

Do not upload customer lists, sensitive personal records or install unsupported tracking through Creosy. Retention and deletion follow the Privacy Notice and applicable processing agreement, including lawful retention of billing, approval and dispute records. Closing your account does not require deletion of records we must retain, but does not authorise unrelated use of them.

14 Changes and availability

We may maintain or change the Service to improve functionality, address security, comply with law or respond to provider changes. We will give reasonable advance notice of a material reduction to paid features where practicable. If we materially reduce a paid feature during your current period and cannot provide a reasonably equivalent alternative, you may terminate the affected Service and receive a proportionate refund for the undelivered part. This is an express exception to the general nonrefundability rule. Advertising allocations are reconciled under section 7, and section 18 preserves wider mandatory rights.

We do not promise uninterrupted availability or a particular uptime level unless agreed separately in writing. Keep copies of Outputs important to your business. Downtime does not authorise spending beyond an approved commitment or removal of agreed controls. We will notify you of a material issue affecting a managed campaign when we become aware of it and can lawfully do so.

15 Suspension, account deletion and termination

We may suspend or terminate affected access for material breach, fraud, non-payment or a serious legal or security risk. Where the issue can be fixed and circumstances allow, we explain it and give you a reasonable opportunity to correct it. Immediate action may be necessary for serious risk or a legal requirement. Campaign action and media allocations remain governed by sections 4, 6 and 7.

You may request account deletion through the available controls or support@creosy.ai. Subscription cancellation and account deletion are separate under section 5. Before deleting an account, cancel any subscriptions you want to end and download the material you want to keep. Account deletion ends access through that account and requests campaign stops. It does not erase accrued payment obligations or itself establish a refund right. You can still contact support about cancellation, payments and legally required data access.

If we permanently end a paid subscription service, we stop future renewals for that service. If we do so for our convenience, we normally give 30 days’ notice and refund its unused prepaid portion. If we terminate for your material breach, the refund rules and mandatory rights continue to apply. Remaining media allocations are reconciled under section 7 rather than treated as subscription fees or forfeited merely because access ended.

Download available Inputs, Outputs and reports before deletion or termination. After access ends, availability of an export depends on retained data, technical capability and applicable law; no fixed post-closure export period is promised. This does not restrict statutory data-access or portability rights. Data retention and deletion follow section 13 and the Privacy Notice, including lawful retention of billing, approval and dispute records. The rights and obligations in sections 5 to 10, 13 and 16 to 21 survive as needed to give them effect, including rights to paid Outputs under section 10.

16 Limits on liability

To the extent permitted by applicable law, Creosy is not liable for indirect, incidental, special, consequential, exemplary or punitive loss, including loss of profits, revenue, business opportunity, goodwill or data, arising from the Service or these Terms. An unsuccessful campaign does not itself establish a breach. Claims for direct loss remain subject to the limit below.

Creosy’s aggregate liability to you under any legal theory is limited to the greatest of: the total amount you paid us in the one month immediately before the event giving rise to the claim; USD 100; or any remedy or penalty that the applicable statute requires for that claim. For this calculation, payments include subscription charges, commissions and media payments received by Creosy.

These limits do not apply to fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or liability that cannot legally be limited or excluded. They apply to consumers only to the extent consistent with mandatory consumer law. Section 18 takes priority whenever required by law.

The cap limits liability for damages; it does not authorise charges beyond your approval or reduce an agreed or legally required refund, credit or payment correction due under these Terms. It also does not remove your obligation to pay charges properly due. No exclusion or limitation makes a discretionary refund mandatory or removes a mandatory refund right.

17 Third-party claims against Creosy

For business customers, you will reimburse reasonable amounts finally awarded against us, or included in a settlement you approve, and reasonable defence costs arising from a third-party claim to the extent caused by your unlawful Inputs, misleading product claims, infringement of rights in material you supply, or intentional or material breach of these Terms. This does not apply to the extent caused by our breach, negligence or unauthorised modification, and AI generation alone does not establish your fault.

We must promptly notify you, provide reasonable cooperation and allow you to control the defence with competent advisers, subject to reasonable safeguards for conflicts of interest. Neither party may settle a claim imposing an admission or non-monetary obligation on the other without consent. Your aggregate obligation under this section is subject to the same monetary limit calculated in section 16, except where that limit cannot lawfully apply. This section does not apply to consumers.

18 Mandatory consumer rights

Nothing in these Terms removes rights that applicable law gives you as a consumer. Your actual purchase purpose and applicable law determine your status. A business-use label does not remove protections that legally apply. Mandatory rights concerning service quality, remedies, unfair terms, cancellation, local law and access to courts take priority over inconsistent provisions. Section 17 does not apply to consumers, and section 16 applies only insofar as the law permits.

If you are an EU, EEA or UK consumer entitled to withdraw from an online service contract, you generally have 14 days from concluding it to do so without giving a reason. Email support@creosy.ai or send a clear statement to Creosy Technologies, Inc. at the customer correspondence address in section 21, identifying your account and the contract. You may use any applicable statutory online withdrawal option in addition to these routes. We acknowledge electronic withdrawal on a durable medium without undue delay. A timely notice does not depend on our later processing or approval.

We refund amounts due within the applicable statutory deadline, ordinarily 14 days after notice, using the original payment method unless otherwise lawfully agreed and without a refund fee. A proportionate charge for service supplied during the withdrawal period is permitted only where you expressly requested early performance, received the required information and applicable law allows it. This applies to an early campaign launch as well as subscription service. Acceptance of these Terms or first use alone is not a blanket waiver. Loss of a withdrawal right on full service performance, or for separately supplied digital content, requires the applicable specific consent and acknowledgement.

Withdrawing from a campaign service requests its stop; the mandatory calculation of any refund takes priority over sections 5 to 7, including their treatment of incurred advertising spend. If you withdraw only from a subscription, separately approved campaign contracts remain in force unless you also withdraw from or stop them or applicable law requires otherwise. We will make those choices clear.

You may use the following optional form, but any clear statement is sufficient: “To Creosy Technologies, Inc., support@creosy.ai, customer correspondence address in section 21: I give notice that I withdraw from my contract for the following service: ______, ordered on: ______. Name: ______. Address: ______. Account email: ______. Date: ______. Signature, only if sent on paper: ______.” This section also preserves rights to correction, price reduction or termination for non-conforming service and wider local remedies.

19 Updates to these Terms

We may update these Terms for a valid business, legal, security or product reason. We will give at least 30 days' notice by email or in the Service before material changes take effect, unless a shorter period is necessary for a legal or urgent security reason. We will explain that reason. Changes do not retrospectively alter an existing dispute or an already approved campaign commitment.

Where a change requires affirmative acceptance, we will request it. Otherwise, continued use after the notified effective date constitutes acceptance to the extent permitted by law. If you reject a material change, you may end the affected Service before it takes effect and receive a refund of its unused prepaid Service fees. That express remedy does not automatically cash out a media allocation, which is governed by section 7 and mandatory rights. An update to these Terms never substitutes for campaign or payment approval.

20 Governing law and resolving disputes

Delaware law governs these Terms, excluding its conflict-of-law rules and subject to mandatory protections that apply to you. For business customers, the competent state and federal courts in New Castle County, Delaware, United States have exclusive jurisdiction, subject to mandatory jurisdiction rules.

Please send a dispute description and the remedy sought to support@creosy.ai. Both parties will try in good faith to resolve it for 30 days before commencing ordinary proceedings. This does not prevent urgent relief, a claim needed to preserve a deadline, or access to a regulator or mandatory dispute procedure. These Terms do not impose arbitration, waive class or representative remedies, or shorten statutory claim periods.

Consumers retain any right to rely on mandatory local law or bring proceedings in their home courts. We provide any legally required information about an applicable alternative dispute resolution procedure with the relevant purchase information or complaint response. You may contact support@creosy.ai about available complaint procedures.

21 General provisions and contact

Neither party may transfer this agreement without the other's consent, except a lawful transfer connected with a reorganisation or sale where the successor assumes the obligations and the transfer does not reduce your mandatory rights. We will notify you of a proposed change of provider and obtain consent where required. Using a Cyprus affiliate or other supplier does not by itself transfer your contract or release the US provider from its obligations.

Neither party is liable for delay caused by an event beyond its reasonable control to the extent it could not reasonably prevent or mitigate it. This does not authorise spending outside an approved campaign, treating unused media money as operating revenue, or withholding a refund required by law or these Terms. Statutory termination rights remain available. If part of these Terms is unenforceable, the rest continues to the extent legally possible. Failure to enforce a provision is not a waiver.

This agreement does not create a partnership, employment or general authority to bind the other party. Your authorisation to us is limited to providing the Service and implementing campaigns you approve. Electronic notices may be used where legally permitted; keep your account contact details current. Marketing choices are separate. Translations do not reduce any mandatory right to information in a required language.

Service provider: Creosy Technologies, Inc., a Delaware corporation, file number 10781453. Certificate of incorporation filed 24 September 2026.

Registered office: 131 Continental Dr, Suite 305, Newark, New Castle County, Delaware 19713, United States. Registered agent: Legalinc Corporate Services Inc.

Customer correspondence and postal notices: Creosy Technologies, Inc., 1530 William Street, River Forest, IL 60305, United States.

Support, subscription cancellation, campaign-stop requests and legal notices: support@creosy.ai. Please identify your account and the relevant campaign, payment or contract. Any additional trader, tax or contact information required for a particular purchase will be provided before you enter that purchase.

Intellectual property complaints may also be sent to support@creosy.ai. Identify the material, the right concerned, its location and how we can contact you. We will review the complaint and take appropriate action under applicable law.