Terms of Service

By accessing or using the Services provided by grwow.ai, you (“Customer”) agree to be bound by these Terms of Service (“Terms”). If you are accessing the Services on behalf of a legal entity, you represent that you have the authority to bind that entity to these Terms.

If you do not agree to these Terms, you must not use the Services. These Terms constitute a legally binding agreement between you and AJKA Group LLC, trading as grwow.ai.

AJKA Group LLC is a limited liability company registered in the State of Wyoming, USA, trading under the brand name grwow.ai. Our registered address is 30 N Gould St, Sheridan, WY 82801, USA.

grwow.ai operates an AI-powered SaaS platform that enables businesses to automate marketing, sales, and client communications. We provide our Services globally, with an initial focus on the Caribbean, Latin America, and Europe.

For all legal, billing, or privacy matters: [email protected] / [email protected].

• “Services” means all products, features, APIs, dashboards, AI tools, communication channels, and related services provided by grwow.ai under any subscription plan or usage arrangement.
• “Customer” means the business entity or individual that subscribes to the Services under these Terms.
• “End Client” means a third-party client of the Customer who interacts with the Customer’s use of the Services (e.g., a contact in the CRM, a recipient of an SMS, a participant in a call).
• “Account” means the Customer’s registered access point to the Services, including all sub-accounts and configurations.
• “Wallet” means the prepaid credit balance associated with an Account used to pay for usage-based charges.
• “Add-On” means an optional product or feature available in addition to the base subscription plan, which may carry a separate fee.
• “Pass-Through Cost” means a charge originating from a third-party carrier, provider, or regulator that is passed to the Customer without markup, or with a disclosed markup.
• “AUP” means our Acceptable Use Policy, which governs permitted and prohibited uses of the Services.
• “DPA” means a Data Processing Agreement governing the processing of personal data on behalf of the Customer.

The Services are intended exclusively for business use. To use the Services, you must:

• Be at least 18 years of age;
• Be acting on behalf of a legally registered business, organization, or professional practice;
• Have full legal authority to enter into binding contracts on behalf of that entity;
• Not be located in a country subject to a United States government embargo or designated as a “terrorist supporting” country;
• Not be listed on any U.S. government list of prohibited or restricted parties.

grwow.ai does not offer the Services to consumers for personal, household, or family purposes. If you use the Services to process personal data of individuals in your capacity as a data controller, you are responsible for ensuring that such use complies with applicable data protection law.

To access the Services, you must create an Account by providing accurate, current, and complete information. You agree to keep your Account information up to date.

• Security: You are responsible for maintaining the confidentiality of your Account credentials. You must notify grwow.ai immediately at [email protected] if you suspect unauthorized access to your Account.
• Responsibility: You are responsible for all activities that occur under your Account, including actions by employees, contractors, or third parties to whom you have granted access.
• One Account per entity: Accounts are issued to a single legal entity. Sharing or reselling Account access (other than as expressly permitted under a White-Label plan) is not permitted.
• Accuracy: Providing false information during registration may result in immediate termination of your Account.

Access to the Services is provided on a subscription basis. Subscriptions are billed in advance on a monthly or annual cycle as selected at the time of purchase.

• Auto-renewal: Subscriptions renew automatically at the end of each billing period unless cancelled in accordance with Section 11.
• Plan changes: You may upgrade or downgrade your plan at any time. Upgrades take effect immediately; downgrades take effect at the start of the next billing period.
• Price changes: grwow.ai may change subscription pricing with at least 30 days’ written notice. Continued use after the price change takes effect constitutes acceptance of the new pricing.
• Add-Ons: Certain features are available as optional Add-Ons at additional cost. Add-On charges are billed in accordance with Section 9.

grwow.ai may, at its discretion, offer a free trial period for new Customers. During a free trial:

• Access to the Services is provided without charge for the duration of the trial period;
• Certain features or usage limits may be restricted compared to paid plans;
• grwow.ai may require a valid payment method to be on file before or during the trial;
• If you do not cancel before the trial period ends, your Account will automatically convert to a paid subscription and the applicable fee will be charged.

grwow.ai reserves the right to modify, limit, or discontinue free trial offers at any time without notice.

By subscribing to the Services, you authorize grwow.ai to charge your designated payment method for all applicable fees.

• Payment methods: We accept major credit and debit cards and such other payment methods as may be made available. Payment is processed by our payment processor (currently Stripe).
• Currency: All fees are denominated in US Dollars (USD) unless otherwise specified.
• Taxes: Fees are exclusive of applicable taxes, levies, or duties imposed by any taxing authority. You are responsible for all such taxes associated with your use of the Services, except for taxes on grwow.ai’s net income.
• Failed payments: If a payment fails, grwow.ai will attempt to retry the charge. If payment is not received within 7 days, grwow.ai may suspend or terminate your Account in accordance with Section 28.
• Invoices: Invoices are made available in your Account dashboard. It is your responsibility to download and retain invoices for your records.

9.1 Usage-Based Fees

In addition to subscription fees, certain features generate usage-based charges. These include but are not limited to: AI consumption, voice minutes, SMS, MMS, RCS and WhatsApp messages, email sending, transcription, call recording, workflow executions, domain purchases, address autocomplete queries, number intelligence lookups, email verification, prospecting, and marketplace app usage.

Usage-based charges are measured by our systems or those of our underlying providers. Usage rates may vary based on:

• The specific service or feature used;
• The destination country, region, or carrier;
• The message category (e.g., marketing vs. utility for WhatsApp);
• The AI model, provider, or compute tier;
• Applicable telecommunications regulations or carrier surcharges;
• Any applicable taxes or government-mandated fees.

Current usage rates are available in your Account dashboard and may be updated with reasonable notice, except where pass-through rate changes apply (see Section 9.3).

9.2 Wallet & Credits

Certain usage-based charges are drawn from a prepaid Wallet balance associated with your Account. You may add funds to your Wallet at any time. grwow.ai may configure automatic top-up thresholds.

• Insufficient funds: If your Wallet balance is insufficient, grwow.ai may immediately suspend the affected feature(s) until funds are added. grwow.ai is not liable for any losses resulting from such suspension.
• Wallet balance: Wallet balances are denominated in USD and are non-transferable. Unused Wallet balances are non-refundable upon cancellation except where required by applicable law.
• Negative balances: If a negative Wallet balance occurs, the outstanding amount becomes immediately due and will be charged to your payment method on file.

9.3 Pass-Through Costs

Certain costs are passed through directly from third-party carriers, regulators, or providers, including:

• Telecommunications carrier fees for SMS, MMS, RCS, and voice;
• A2P 10DLC registration and campaign fees;
• RCS activation fees;
• WhatsApp message costs (set by Meta);
• Domain registration, renewal, and redemption fees;
• Marketplace application charges;
• Amazon Polly text-to-speech costs;
• Applicable taxes, regulatory surcharges, and government-mandated fees.

Pass-through costs reflect rates set by the relevant third party. grwow.ai will endeavor to notify Customers of material changes, but is not required to provide advance notice where the underlying provider changes its rates without advance notice to grwow.ai. Continued use after a rate change constitutes acceptance of the updated costs.

10.1 Subscription Fees

Subscription fees are non-refundable except where grwow.ai terminates your Account without cause (pro-rated refund for unused period), or where required by applicable law.

10.2 Usage-Based and Pass-Through Charges

The following charges are non-refundable once incurred:

• Usage-based charges (AI, voice minutes, messaging, email, transcription, workflow executions, etc.);
• Consumed Wallet funds;
• Carrier fees, pass-through telecommunication costs, and regulatory fees;
• A2P registration fees, RCS activation fees, and compliance charges;
• Domain purchase, renewal, and redemption fees;
• Marketplace application charges;
• Taxes and government-mandated surcharges.

These charges reflect costs already incurred on your behalf with third-party providers.

10.3 Billing Disputes

If you believe a charge is incorrect, notify grwow.ai in writing at [email protected] within 30 days of the charge appearing. We will investigate and respond within 14 business days. Disputes not raised within 30 days are deemed accepted. grwow.ai’s determination based on system records is final unless demonstrably erroneous.

10.4 Free Trial

If you cancel during a free trial, no charges apply. If you do not cancel before the trial ends, your subscription converts to a paid plan and the applicable fee is charged.

You may cancel your subscription at any time through your Account settings or by contacting [email protected]. Cancellation takes effect at the end of the current billing period.

• You retain access to the Services until the end of the paid period;
• No refund is provided for unused subscription time except as specified in Section 10;
• Outstanding usage charges and Wallet deficits remain due upon cancellation;
• You are responsible for exporting your data before cancellation (see Section 29).

Cancellation of a subscription does not automatically cancel individual Add-Ons. Add-Ons must be cancelled separately.

Subject to your compliance with these Terms and payment of all applicable fees, grwow.ai grants you a limited, non-exclusive, non-transferable, non-sublicensable (except as expressly permitted under White-Label plans) license to access and use the Services for your internal business purposes during the subscription term.

This license does not include the right to:

• Copy, modify, or create derivative works of the Services or underlying software;
• Reverse engineer, decompile, or disassemble any part of the Services;
• Remove or alter any proprietary notices or branding (except as permitted under White-Label plans);
• Use the Services to build a competing product or service;
• Sell, resell, sublicense, or transfer the Services except as expressly authorized in writing by grwow.ai.

Your use of the Services must comply with our Acceptable Use Policy (AUP) and all applicable laws and regulations. Without limiting the AUP, you must not use the Services to:

• Send unsolicited commercial messages (spam) via any channel;
• Contact individuals who have opted out or withdrawn consent;
• Violate TCPA, CAN-SPAM, CASL, GDPR, or other applicable communication laws;
• Make AI-generated or artificial/prerecorded voice calls for marketing purposes without prior express written consent from the recipient;
• Engage in phishing, fraud, impersonation, or deceptive practices;
• Distribute malware, viruses, or harmful code;
• Scrape or harvest data from the Services without authorization;
• Circumvent usage limits, billing mechanisms, or security controls;
• Upload or transmit illegal, defamatory, obscene, or harmful content;
• Violate the intellectual property rights of any third party.

grwow.ai reserves the right to suspend or terminate your Account for any AUP violation, with or without prior notice depending on the severity of the violation.

Where your subscription plan expressly includes white-label or reseller rights, you are authorized to offer the Services under your own brand to your End Clients, subject to the following conditions:

• You may not represent the Services as your own proprietary technology;
• You remain solely responsible for your End Clients’ compliance with these Terms and our AUP;
• grwow.ai retains the right to enforce its AUP directly against End Clients and to suspend or terminate access for End Clients who violate it;
• You must maintain your own terms of service and privacy policy with your End Clients that are no less protective than these Terms;
• You may not grant your End Clients white-label or reseller rights without prior written consent from grwow.ai;
• Any revenue sharing, pricing, or billing arrangements between you and your End Clients are solely your responsibility.

grwow.ai may make certain features or services available on a beta, preview, or early access basis (“Beta Features”). Beta Features are provided as-is and without any warranty, SLA, or support commitment.

• Beta Features may be modified, limited, or discontinued at any time without notice;
• Data processed through Beta Features may be lost or corrupted; grwow.ai is not liable for such loss;
• Your use of Beta Features may be subject to additional terms presented at the time of access;
• Feedback you provide regarding Beta Features may be used by grwow.ai without restriction or compensation.

grwow.ai’s IP: grwow.ai and its licensors own all rights, title, and interest in and to the Services, including all software, algorithms, AI models, designs, trademarks, and documentation. These Terms do not grant you any ownership rights in the Services.

Customer Data: You retain all rights to the data, content, and materials you upload to or generate through the Services (“Customer Data”). You grant grwow.ai a limited, non-exclusive license to process Customer Data solely as necessary to provide the Services.

AI-generated outputs: Content generated by AI features of the Services based on your inputs may be used by you for your business purposes. grwow.ai does not claim ownership of such outputs, but makes no warranty as to their accuracy, originality, or fitness for any particular purpose.

Feedback: If you provide feedback, suggestions, or ideas about the Services, grwow.ai may use such feedback without restriction or compensation to you.

You are solely responsible for all content, data, and materials you upload, input, transmit, or otherwise make available through the Services (“Customer Data”). You represent and warrant that:

• You have all rights, consents, and permissions necessary to upload and use the Customer Data through the Services;
• The Customer Data does not violate any applicable law, regulation, or third-party rights;
• You have obtained all necessary consents from End Clients for communications sent through the Services;
• Your Customer Data does not contain malware, harmful code, or content that violates our AUP.

grwow.ai is not responsible for the accuracy, legality, or appropriateness of Customer Data. You indemnify grwow.ai against all claims arising from your Customer Data (see Section 27).

The Services include various AI-powered features including but not limited to: AI content generation, AI conversation bots, AI voice agents, AI workflow automation, reviews AI, and external AI model integrations (collectively, “AI Features”).

• Accuracy: AI Features produce outputs based on patterns and training data. Outputs may be inaccurate, incomplete, or inappropriate. You are responsible for reviewing AI-generated content before use and must not rely on it for high-stakes decisions without human verification.
• AI Voice & Robocall Compliance: The use of AI-generated or artificial/prerecorded voices to make marketing calls requires prior express written consent from each recipient, as required by the TCPA and FCC regulations. You are solely responsible for obtaining and maintaining such consent. grwow.ai does not verify or guarantee your compliance with call consent requirements.
• AI Training: grwow.ai does not use your Customer Data to train its general AI models without your explicit consent. Aggregated, anonymized usage data may be used to improve the Services.
• Third-Party AI Models: Certain AI Features may be powered by third-party AI providers (e.g., Amazon, OpenAI, Google). Use of such features is subject to the relevant provider’s terms of service, which you are responsible for reviewing.

The Services may integrate with third-party platforms, tools, and services (“Third-Party Services”). grwow.ai does not control Third-Party Services and is not responsible for their availability, functionality, security, or compliance.

• Your use of Third-Party Services is governed by their respective terms and privacy policies;
• grwow.ai is not liable for any loss or damage arising from your use of Third-Party Services;
• grwow.ai may add, remove, or modify integrations with Third-Party Services at any time.

Marketplace applications available through the Services may have their own licensing, pricing, and data access requirements. You are responsible for reviewing and accepting such terms before enabling a marketplace application.

grwow.ai provides API access as part of certain subscription plans. Your use of the API is subject to the following:

• Rate limits: API calls are subject to rate limits as documented in our developer documentation. Exceeding rate limits may result in temporary throttling or suspension of API access.
• Permitted use: The API may only be used to integrate the Services with your own legitimate business systems. Use of the API to build a competing product, scrape data, or circumvent usage limits is prohibited.
• API keys: You are responsible for keeping your API keys secure. Unauthorized use of your API keys is your responsibility.
• Changes: grwow.ai may modify, deprecate, or discontinue API features with reasonable notice.

By creating an Account, you consent to receive electronic communications from grwow.ai, including service notifications, billing information, product updates, and legal notices. These communications may be sent by email, SMS, or through the Services dashboard.

You may opt out of non-essential marketing communications at any time by following the unsubscribe instructions in any such communication. You may not opt out of essential service and billing communications.

You are responsible for ensuring that communications sent to your End Clients through the Services comply with all applicable laws, including obtaining necessary consents and honoring opt-out requests promptly.

grwow.ai endeavors to make the Services available 24/7. However, we do not guarantee uninterrupted or error-free availability. The Services may experience downtime due to:

• Scheduled or emergency maintenance;
• Third-party infrastructure failures (e.g., cloud providers, carriers);
• Force majeure events (see Section 32);
• Factors outside grwow.ai’s reasonable control.

grwow.ai will endeavor to provide advance notice of scheduled maintenance where practicable. grwow.ai is not liable for any losses arising from unavailability of the Services, except as may be specified in a separately agreed Service Level Agreement (SLA) for eligible plans.

grwow.ai’s collection and use of personal data is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Where grwow.ai processes personal data on your behalf (i.e., acts as a data processor under GDPR or equivalent law), such processing is governed by a Data Processing Agreement (DPA). EU and EEA customers may request a DPA at [email protected].

You are the data controller for all personal data of your End Clients that you process through the Services. You are responsible for ensuring your use of the Services complies with applicable data protection laws, including obtaining all necessary consents from End Clients.

Each party agrees to keep confidential any non-public information disclosed by the other party in connection with the Services that is designated as confidential or that reasonably should be understood to be confidential given the nature of the information (“Confidential Information”).

• Each party will use Confidential Information only to exercise its rights and perform its obligations under these Terms;
• Each party will protect Confidential Information using at least the same degree of care it uses for its own confidential information, but no less than reasonable care;
• Confidentiality obligations do not apply to information that is or becomes publicly known through no breach of these Terms, or that is required to be disclosed by law or court order.

grwow.ai’s pricing, platform architecture, and proprietary systems are Confidential Information. Your Customer Data is your Confidential Information.

grwow.ai warrants that it will provide the Services with reasonable skill and care and in accordance with these Terms.

EXCEPT AS EXPRESSLY SET OUT IN THESE TERMS, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, GRWOW.AI DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY OF AI-GENERATED OUTPUTS.

grwow.ai does not warrant that the Services will be error-free, uninterrupted, secure, or free from viruses or other harmful components. You use the Services at your own risk.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, GRWOW.AI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, including but not limited to loss of profits, revenue, data, goodwill, or business opportunities, arising out of or related to your use of the Services, even if grwow.ai has been advised of the possibility of such damages.

GRWOW.AI’S TOTAL CUMULATIVE LIABILITY to you for any and all claims arising under or related to these Terms shall not exceed the greater of: (a) the total fees paid by you to grwow.ai in the 12 months preceding the event giving rise to the claim, or (b) USD $500.

These limitations apply regardless of the legal theory (contract, tort, strict liability, or otherwise) and even if the limited remedies fail of their essential purpose. Some jurisdictions do not allow certain liability exclusions — in those jurisdictions, grwow.ai’s liability is limited to the maximum extent permitted by law.

You agree to defend, indemnify, and hold harmless grwow.ai, its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to:

• Your use of the Services in violation of these Terms or applicable law;
• Your Customer Data, including any infringement of third-party intellectual property or privacy rights;
• Communications you send to End Clients through the Services, including any violation of TCPA, CAN-SPAM, CASL, GDPR, or other applicable law;
• Your End Clients’ use of the Services under your Account;
• Your breach of any representation, warranty, or obligation under these Terms.

grwow.ai reserves the right to assume exclusive control of the defense of any matter subject to indemnification, at your expense. You must cooperate with grwow.ai’s defense of such claims.

28.1 Termination by Customer

You may terminate your Account at any time by cancelling your subscription through Account settings or by contacting [email protected]. Termination takes effect at the end of the current billing period. No refunds are provided for unused subscription periods except as specified in Section 10.

28.2 Termination by grwow.ai

grwow.ai may terminate your Account immediately or with notice if you materially breach these Terms and fail to cure within 14 days of written notice; engage in fraudulent, abusive, illegal, or harmful conduct; violate our AUP; or if continuing the Services would expose grwow.ai to legal liability.

28.3 Suspension

grwow.ai may suspend your Account or specific features immediately and without prior notice in the following circumstances:

• Insufficient Wallet funds — balance falls below the minimum required for an active feature;
• Failed payment — a subscription, Wallet top-up, or invoice payment is declined or reversed;
• Overdue balance — any amount owed remains unpaid more than 7 days after its due date;
• Excessive or anomalous usage — patterns suggesting abuse, compromised credentials, or unauthorized access;
• Suspected AUP violation — pending investigation of suspected spam, fraud, or regulatory non-compliance;
• Carrier or provider suspension — an upstream carrier or regulator requires suspension of service to your Account.

grwow.ai is not liable for any losses arising from a suspension under this section. grwow.ai will notify you of the suspension and steps to restore access where legally and operationally feasible.

28.4 Effect of Termination

Upon termination: your access to the Services ends immediately; all outstanding charges become immediately due; any unused Wallet balance is forfeited (unless required by law); phone numbers may be released after a grace period; and your data will be retained briefly then deleted per our Privacy Policy. Provisions that by their nature survive termination shall continue to apply.

You are responsible for exporting your Customer Data before cancellation or termination of your Account. grwow.ai will provide data in a commonly used machine-readable format supported by the Services at the time of the export request.

grwow.ai will retain your Customer Data for a limited period following termination (typically aiming for 30 days, though this is not a contractual guarantee) before permanently deleting it. After this period, recovery of Customer Data may not be possible.

grwow.ai is not liable for any loss of Customer Data arising from your failure to export data before termination or expiry of the retention period.

Informal resolution: Before initiating formal proceedings, you agree to contact grwow.ai at [email protected] and attempt to resolve the dispute informally for at least 30 days.

Binding arbitration: If informal resolution fails, any dispute arising out of or relating to these Terms or the Services shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall be conducted in English and the seat of arbitration shall be Sheridan, Wyoming, USA, unless the parties agree otherwise. The arbitrator’s decision shall be final and binding.

Class action waiver: YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION AGAINST GRWOW.AI. This waiver does not apply to customers located in the European Union or where prohibited by applicable law.

Small claims: Either party may bring an eligible claim in small claims court in lieu of arbitration.

These Terms are governed by and construed in accordance with the laws of the State of Wyoming, USA, without regard to its conflict of law provisions.

For Customers located in the European Union or European Economic Area, nothing in these Terms limits your rights under mandatory EU consumer or commercial protection laws applicable in your jurisdiction.

If any dispute is not subject to arbitration (e.g., for EU customers exercising mandatory local rights), you agree that such disputes shall be resolved in the courts of Sheridan County, Wyoming, USA, and you consent to the personal jurisdiction of such courts.

Neither party shall be liable for any delay or failure to perform its obligations under these Terms to the extent that such delay or failure results from events beyond the reasonable control of that party, including but not limited to: acts of God, natural disasters, pandemic, government actions, internet or telecommunications outages, carrier failures, cyberattacks, war, or civil unrest (“Force Majeure Event”).

The affected party must notify the other party promptly of a Force Majeure Event and resume performance as soon as reasonably practicable. If a Force Majeure Event continues for more than 60 consecutive days, either party may terminate the affected Services on written notice without liability.

grwow.ai may modify these Terms at any time. For material changes, grwow.ai will provide at least 30 days’ written notice via email or prominent notice within the Services dashboard.

Your continued use of the Services after the effective date of any change constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Services and cancel your subscription before the effective date.

For non-material changes (e.g., clarifications, corrections, or changes required by law), grwow.ai may update the Terms immediately and will update the “Last Updated” date at the top of this page.

• Entire Agreement: These Terms, together with our Privacy Policy, Cookie Policy, AUP, and any order forms or plan-specific terms, constitute the entire agreement between you and grwow.ai regarding the Services.
• Severability: If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue in full force and effect.
• Waiver: grwow.ai’s failure to enforce any provision of these Terms does not constitute a waiver of its right to enforce that provision in the future.
• Assignment: You may not assign these Terms or your Account without grwow.ai’s prior written consent. grwow.ai may assign these Terms in connection with a merger, acquisition, or sale of all or substantially all of its assets.
• No third-party beneficiaries: These Terms do not create any rights in third parties.
• Language: These Terms are provided in English. In the event of any conflict between an English version and a translation, the English version prevails.
• Electronic agreement: You agree that these Terms and all notices may be provided electronically and that electronic acceptance is legally binding.

For questions about these Terms, your Account, billing, or legal matters, please contact us using the details below.