Legal

Paegents — Terms of Service

Welcome to Paegents, a platform enabling intelligent AI agents to autonomously transact, negotiate, and execute financial operations on behalf of users and organizations.

By accessing or using Paegents, you agree to be bound by these Terms of Service (“Terms”). If you do not agree, do not use the Service.

1. Definitions

• “Paegents” or “the Service” refers to the platform, APIs, software, and related services provided by Paegents, Inc.
• “User” refers to any individual or entity accessing or using the Service.
• “Seller” refers to any individual or entity listing goods and services for sale using the Service.
• “Buyer” refers to any individual or entity allowing their agents to make purchases using the Service.
• “Agent” refers to AI-driven systems or automations deployed by a User through the Service.
• “Financial Operations” refer to any transactions, recommendations, negotiations, or actions executed or suggested by an Agent.
• “Content” refers to any data, prompts, instructions, or outputs generated by or provided to the Service.

2. Eligibility

You must:

• Be at least 18 years old.
• Have the legal authority to enter into binding agreements.
• Be legally permitted to use AI and financial technology services in your jurisdiction.

Use of Paegents for illegal, harmful, or prohibited activity is strictly forbidden.

3. Modification of Terms

Paegents may update these Terms at any time. When changes are made:

• We will post the updated Terms on the platform.
• Continued use of the Service constitutes acceptance.

4. Description of the Service

Paegents provides:

• A marketplace that allows Sellers to host a catalog of services that Buyer agents can purchase.
• The mechanism that allows Buyer AI agents to purchase from Sellers catalogs.
• APIs and interfaces for completing financial transactions.
• Tools for monitoring buyer agent behavior and governance.

Paegents does not provide legal, financial, tax, or investment advice. Outputs generated by Agents may be incomplete, inaccurate, or contain errors.

5. User Responsibilities

5.1 Provide Accurate Information

You are responsible for ensuring that account information, prompts, training data, and instructions provided to agents are correct and lawful.

5.2 Oversight of AI Agents

You retain full responsibility for:

• Monitoring your Agents' activity.
• Validating outputs.
• Ensuring actions comply with applicable laws and regulations.

5.3 Account Verification and Identity

All accounts must be authenticated through a supported identity provider (currently GitHub, Google, or Microsoft). These providers verify email ownership as part of their authentication flow.

Wallet addresses used in escrow agreements are subject to sanctions screening via the Chainalysis Sanctions Oracle. Paegents reserves the right to suspend accounts that fail sanctions screening or that are associated with prohibited activity.

Users are responsible for compliance with applicable regulatory requirements in their jurisdiction.

5.4 Financial Liability

Paegents is not liable for financial losses, incorrect transactions, or agent-driven decisions. You must configure appropriate safeguards, approval workflows, and spending limits.

5.5 Acceptable Use

Users may not use the Service to:

• Engage in fraud, money laundering, or illegal transactions.
• Generate harmful or discriminatory content.
• Circumvent financial regulations.
• Attack, reverse engineer, or disrupt the platform.

6. Intellectual Property

• Paegents retains all rights to its platform, software, and AI models.
• Users retain rights to their own data and uploaded content.
• By using the Service, you grant Paegents a license to process, store, and use your content solely for the purpose of providing and improving the Service.

7. Data Privacy and Security

Paegents uses commercially reasonable safeguards to protect data. However:

• No system is completely secure.
• Users accept the inherent risks of internet-based services.
• Users are responsible for protecting their own authentication credentials.

A separate Privacy Policy governs personal data practices.

8. Third-Party Services

Agents may interact with external services (banks, APIs, platforms, etc.). Paegents is not responsible for:

• Third-party outages.
• Data breaches caused by external vendors.
• Incorrect or unexpected responses from external systems.

Use of third-party services is governed by their respective terms.

9. Disclaimers

The Service is provided “as is” and “as available” without warranties. Paegents does not guarantee:

• Accuracy or reliability of AI outputs.
• Uninterrupted or error-free service.
• Compliance of user-deployed agents with regulatory requirements.

Use of the Service is at your own risk.

10. Limitation of Liability

To the maximum extent permitted by law, Paegents is not liable for:

• Lost profits.
• Financial losses.
• Indirect or consequential damages.
• AI output errors or autonomous agent actions.
• Unauthorized access to user accounts.

In no event will Paegents' total liability exceed the amount paid by the user in the past 12 months, if any.

11. Indemnification

Users agree to indemnify and hold Paegents harmless from:

• Claims arising from their use of the Service.
• Misuse of AI agents.
• Violations of law or third-party rights.
• Financial or regulatory consequences of agent-driven actions.

12. Termination

Paegents may suspend or terminate accounts if:

• Terms are violated.
• Harmful or fraudulent activity is detected.
• Required by law.

Users may stop using the Service at any time. Upon termination, certain rights and obligations survive (e.g., indemnification, limitations of liability).

Paegents Privacy Policy

Paegents (“we,” “our,” “us”) provides a platform that enables autonomous and semi-autonomous AI agents to perform financial and operational actions on behalf of users and organizations. Protecting your privacy is essential to maintaining trust, transparency, and the secure use of emerging agentic technologies.

This Privacy Policy explains how we collect, use, store, share, and protect information when you use Paegents.

By accessing or using Paegents, you agree to this Privacy Policy. If you do not agree, please discontinue use of the Service.

1. Information We Collect

We collect the following types of information to provide and improve the Service:

1.1 Information You Provide Directly

• Account Information: Name, email, organization, authentication credentials.
• Agent Inputs: Prompts, data, instructions, training configurations, uploaded documents.
• Financial Configuration: Approved integrations, spending limits, permissions, routing preferences.
• Communication: Support requests, feedback, logs of conversations with Paegents.

1.2 Information Collected Automatically

• Usage Data: Interactions with the platform, API calls, agent activity logs.
• Device & Network Data: Browser type, IP address, operating system, access timestamps.
• Telemetry: Performance metrics, feature usage events, error reports.
• Security Data: Authentication attempts, access patterns, anomaly detection signals.

1.3 Information from Integrations

When you connect Paegents to third-party services (banks, APIs, SaaS tools), we may receive information such as:

• Account metadata.
• Transaction data.
• Authorization tokens.
• Permissions and scopes granted.

We only access these systems based on your explicit authorization.

1.4 Agent-Generated Data

Agents may produce:

• Recommendations.
• Transactions.
• Negotiation logs.
• Derived insights.

Some of this data may be retained to support auditing, security, debugging, and user control.

2. How We Use Your Information

2.1 Provide and Operate the Service

• Execute agent actions.
• Process financial operations (with your approval paths).
• Maintain workflows, logs, and transaction records.

2.2 Improve and Develop Paegents

• Train system-level models (not third-party foundation models).
• Enhance agent decision-making.
• Detect anomalies, fraud, or misuse.
• Improve user experience and reliability.

We do not use customer financial data to train third-party models, and we do not sell your data.

2.3 Ensure Security and Compliance

• Monitor for fraud and abuse.
• Maintain regulatory readiness (e.g., AML, transaction monitoring).
• Support audits and incident investigations.

2.4 Communicate with You

• Provide service updates.
• Respond to inquiries.
• Offer onboarding or adoption support.
• Send security or legal notifications.

3. How We Share Information

We do not sell or rent personal data. We may share data only with:

3.1 Third-Party Service Providers

For cloud hosting, security tooling, payment processing, and logging/analytics (aggregated or pseudonymized when possible). All vendors are contractually obligated to protect your data.

3.2 Financial or API Integrations

Only when you explicitly authorize them. We share only the minimum required data to complete tasks.

3.3 Compliance and Legal Requirements

We may disclose information if necessary to:

• Comply with applicable laws.
• Respond to subpoenas or lawful requests.
• Protect the rights and safety of users and Paegents.

3.4 Business Transfers

If Paegents is acquired or merges with another entity, your information may be transferred consistent with this Privacy Policy.

4. Data Retention

We retain data only for as long as necessary to:

• Provide the Service.
• Maintain transaction auditability.
• Meet regulatory requirements (e.g., financial records retention rules).
• Resolve disputes or enforce agreements.

You may request deletion of certain categories of data (see Section 7).

5. How We Protect Your Data

We use industry-standard safeguards, including:

• Encryption at rest and in transit.
• Access controls and permission scopes.
• Multi-factor authentication.
• Segmented environments for sensitive workloads.
• Regular security audits and monitoring.

No system is completely secure; however, we implement strong controls appropriate for financial operations infrastructure.

6. Children's Privacy

Paegents is not intended for individuals under 18. We do not knowingly collect information from children.

7. Your Rights & Choices

Depending on your location, you may have rights regarding your personal data, including:

• Access.
• Correction.
• Deletion.
• Export (data portability).
• Restrict or object to processing.
• Revoke consent for integrations.
• Opt out of non-essential communications.

8. International Data Transfers

If you access Paegents outside the United States, your data may be transferred to and processed in the U.S. or other jurisdictions with different privacy laws. We use recognized legal mechanisms (such as SCCs) to legitimize transfers when required.

9. Changes to This Policy

We may update this Privacy Policy periodically. Material changes will be communicated through the Service. Continued use of Paegents after changes constitutes acceptance.