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 VISACOMPANION LTD (registered company number 8546901) ("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