Visa Companion Terms and Conditions

1. Introduction

1.1 These Terms and Conditions ("Terms") govern your use of Visa Companion ("Platform"), an AI-powered immigration platform operated by [Your Legal Entity Name] ("we," "us," or "our"). By accessing www.visacompanion.ai or related services ("Services"), you agree to be legally bound by these Terms. Continued use constitutes acceptance of all modifications.

2. Service Description & Limitations

2.1 Our Services include:

• AI-driven eligibility assessments and visa pathway recommendations
• Automated drafting of immigration documents (petitions, RFE responses, cover letters)
• Mock interview coaching and application tracking tools
• School Scholarship search
• Country-specific guidance for U.S., UK, Canada, and other jurisdictions

2.2 Critical Disclaimers:
Not Legal Representation: Our AI tools generate educational content only. No attorney-client relationship is formed.
No Outcome Guarantee: Immigration outcomes depend on governmental discretion. We do not guarantee visa approval.
AI Limitations: AI outputs may contain inaccuracies. You must verify all documents with licensed immigration counsel before submission.
Third-Party Risks: We are not responsible for decisions by USCIS, CIC, UKVI, or other agencies.

3. User Eligibility & Responsibilities

3.1 You must:

• Be ≥18 years old and legally competent to contract
• Provide accurate, current information for assessments
• Use Services solely for personal immigration preparation

3.2 Prohibited Conduct: You may not:
- Reverse-engineer AI models or extract source code
- Submit fraudulent credentials or misuse document generators
- Disrupt Services via malware, bots, or unauthorized access
- Resell Services without written authorization

4. Account Security

4.1 You are solely responsible for:
- Maintaining password confidentiality
- All activities under your account
- Promptly reporting unauthorized access

5. Intellectual Property Rights

5.1 Our Ownership:
All Platform content (AI algorithms, interfaces, templates, trend analyses) is protected under U.S. and international IP laws.
You receive a limited, non-transferable license for personal use.

5.2 User Content:
- You retain ownership of submitted data
- Grant us a royalty-free license to process content for Service delivery

6. Fees & Payments

6.1 Paid features require payment via:
- Stripe, PayPal, or other designated processors
- Prices in USD unless specified

6.2 Refund Policy:
- Subscription fees are non-refundable except where required by law
- Cancellations take effect at billing cycle end

7. Disclaimers of Warranty

THE SERVICES ARE PROVIDED "AS IS." TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES INCLUDING:
- MERCHANTABILITY or fitness for particular purposes
- Non-infringement of third-party rights
- Uninterrupted or error-free functionality

8. Limitation of Liability

8.1 In no event shall our total liability exceed fees paid by you in the preceding 6 months.

8.2 We exclude liability for:
- Visa denials/delays or related financial losses
- Governmental actions or third-party services
- Technical failures beyond reasonable control
- Inaccuracies in AI-generated content

9. Indemnification

You agree to defend and indemnify us against claims arising from:
- Your breach of these Terms
- Misuse of AI tools
- Submission of fraudulent materials

10. Data Privacy

10.1 Our Privacy Policy governs data processing. You consent to:
- Collection of immigration history, credentials, and biometric data
- Anonymized data use for AI model training

10.2 We implement SOC 2-compliant security measures but cannot guarantee against unauthorized access.

11. Third-Party Services

- Links to government forms (USCIS, IRCC, etc.) are provided for convenience only
- Payment processors operate under their own terms

12. Modifications & Termination

12.1 We may:
- Update Terms with 30 days' notice (material changes via email)
- Suspend accounts for breach, fraud, or legal requirements

13. Dispute Resolution

13.1 Governing Law: change to Lagos, Nigeria, excluding conflict principles.

13.2 Mandatory Arbitration:
- Claims resolved through binding AAA arbitration
- Class actions and jury trials waived
- Injunctive relief available in state/federal courts

14. General Provisions

- Severability: Invalid clauses shall not void remaining terms
- Entire Agreement: Supersedes prior communications, with these Terms controlling
- Assignment: Rights transferable by us; your transfers require consent

15. Contact Information