Terms of Service

1. Who we are and what these terms cover

multipliers.ai is operated and run by Kiwana AI, Inc., a United States business ("we", "us"), which sells the Products and hosts and runs them. These Terms of Service ("Terms") are an agreement between us and you, the person or business that creates an account or buys a product on multipliers.ai ("you").

These Terms cover the multipliers.ai website, your account, the software products we license (currently Welding OS, Clinic OS and Barcade OS, and any later products, each a "Product"), the DIY blueprints, and the hosting and maintenance we provide. Our Privacy Policy and Acceptable Use Policy are part of these Terms.

You must be at least 18 and buying for a business, not for personal, family or household use. If you accept these Terms for a company, you confirm you have authority to bind it. You accept these Terms by creating an account, checking out, or using a Product. These Terms take effect on October 17, 2026.

2. What you are buying

We sell software licenses and a hosting service. Each Product page describes exactly what is included. Two options are offered:

• Host & Operate — we set up a private, isolated copy of the Product (its own database, service and web address) under your brand, then host, monitor, secure, maintain and update it for as long as your monthly retainer is active. You pay a one-time setup fee plus the required monthly "Operate & Evolve" retainer. The retainer is not optional while we host your instance.
• DIY blueprint — a one-time purchase of the validated idea, specification, starter prototype or template, and build-and-launch playbook for a Product. You build, host and run it yourself. DIY does not include hosting, maintenance or a running instance.

Availability. At launch we sell only to buyers whose billing address is in the United States. The DIY blueprint is available to US buyers only. We may offer other countries later; where we do, the Product page will say so.

This is not a franchise or business opportunity. We do not sell you a business, territory, customers or a marketing system. We do not set your prices, require you to buy from particular suppliers, approve how you run your business, or require you to use the multipliers.ai name. Any go-to-market notes or target lists we provide are optional reading.

3. Your license

Host & Operate. While your retainer is active and you follow these Terms, we grant you a non-exclusive, non-transferable license to use your hosted instance of the Product and to offer it, as your own branded service, to your own customers. This is a right to use the service we host; you do not receive the source code.

Your brand, hosted and run by Kiwana AI, Inc. You may run your instance under your own business name, logo and colors (and your own custom domain once you connect one), choose from the themes we offer for that Product, and set your own prices; your brand is on everything your customers see. We appear only as the host: in your instance's default web address (yourname.apps.multipliers.ai, until you connect your own domain) and in the address your instance's emails are sent from (noreply@mail.multipliers.ai, under your business name, with replies going to your own support address). You do not otherwise have to mention multipliers.ai or Kiwana AI, Inc. to your customers.

DIY blueprint. When you buy a blueprint, we grant you a non-exclusive, non-transferable license to use its materials to build and operate one business of your own. You own the code you write yourself. You may not resell, share, publish or redistribute the blueprint, prototype or playbook (for example as a template, course or product of your own).

Non-exclusive means non-exclusive. We license every Product to many founders, at the same time, with no territories and no limit on the number of buyers. Other founders may launch the same Product near you, in your niche, or under similar positioning. You stand apart through your own brand, positioning and customers.

• You may not sublicense, resell or transfer the Product or your license itself (as opposed to selling access to your branded service to your customers).
• You may not copy, reverse engineer, decompile or try to extract the source code of the hosted Product, except where the law allows it despite this restriction.
• You may not claim that you have exclusive rights to the Product, or that you created or own the underlying software.
• You may transfer your license as part of selling your business only with our written consent, which we will not unreasonably withhold.

Products built from Build It Live ideas. Some Products are built live from ideas the public suggests on Build It Live (multipliers.ai/build-it-live). Kiwana AI, Inc. has the sole right to host and operate every such Product. They are sold as Host & Operate only — there is no DIY blueprint — and you receive a license to use the hosted Product and run your business on it while your monthly retainer is active. You never receive the software to host yourself, and no one other than Kiwana AI, Inc. may host or operate it.

Exclusive option for the idea's creator. When such a Product is first offered, the person who submitted the idea may have a limited period in which only they can buy it, at a separate exclusive price; if they buy, the Product is exclusive to them for a limited time before it is offered to other buyers. During those periods we will not sell that Product to anyone else. The exclusive option is personal and non-transferable, and all other parts of these Terms (including that all sales are final) apply.

4. Prices, billing and renewal

Prices are set in US dollars and shown on each Product page. Payments are processed by Stripe on a Stripe-hosted checkout page. We never see or store your full card number.

Currency. If Stripe offers to charge you in your local currency, Stripe converts our US-dollar price at its own exchange rate, which may include a conversion fee charged to you. Each monthly renewal is converted at that day's rate, so the amount in your currency can change. You can choose to pay in US dollars instead.

Taxes. Any sales tax or similar tax on your purchase is calculated by Stripe Tax at checkout and shown before you pay. Prices exclude tax unless the checkout page says otherwise. You are responsible for any taxes that apply to your purchase that we are not required to collect.

Taxes on your own sales. Taxes on sales you or your subscribers make using a Product are your and their responsibility: Stripe Tax calculates them on your own Stripe account, and you are responsible for your Stripe Tax settings, registrations and filings. Multipliers does not calculate, verify or file tax.

Your country. When you buy, you choose the country where you live and run the business, and you confirm it before checkout. Your billing address must be in that country. If it is not, we hold the order for review before setting anything up and contact you.

Host & Operate billing. You pay the setup fee at checkout. The monthly retainer starts at checkout and renews automatically every month, on the same day of the month, until you cancel. By checking out you authorize us (through Stripe) to charge your payment method for each renewal.

Price changes. We may change the retainer price for future billing periods by telling you by email at least 30 days before the change takes effect. If you do not agree, you can cancel before then.

Failed payments. If a retainer payment fails, Stripe will retry it and we will tell you. If it is still unpaid after 14 days, we may suspend your instance (your customers will not be able to use it) until the balance is paid. If it stays unpaid, we may end your subscription under Section 5.

Charges appear on your statement as "MULTIPLIERS*" followed by the Product name (for example, MULTIPLIERS* WELDING OS).

5. Cancellation and what happens to your instance and data

You can cancel your Host & Operate retainer at any time by contacting us at multipliers@kiwana.ai (and, once available, from your account). Cancellation takes effect at the end of the billing period you have already paid for. Your instance keeps running until then.

When your subscription ends (because you cancel, payment fails and is not resolved, or we end it under Section 13):

• We stop serving your instance to you and your customers.
• For 30 days after the end date, you can ask us for an export of your instance's data in a standard machine-readable format (such as CSV or JSON).
• After that window, we permanently delete your instance, including its database. Copies in our backups are deleted within 30 days. We cannot recover data after deletion.
• Your business name, brand and domain stay yours. You are responsible for pointing your domain elsewhere and for any domain registration fees.
• You are responsible for telling your own customers, and for ending or moving any subscriptions or payments your customers have with your business (those run through your own payment account, not ours).

Cancelling a retainer does not refund the setup fee or past retainer payments (see Section 6).

6. All sales are final

All sales are final. Our Products are software. The setup fee, the DIY blueprint price and every monthly retainer payment are non-refundable once paid, including for partly used months.

Choose the right country before you buy. You must pick the country where you live and run your business, and your billing address must be in that country. Checkout only lets you buy for a country where the Product is offered. If an order still reaches us with a billing address that does not match, we hold it and do not set anything up while we contact you.

Cancelling stops future retainer charges from the next billing date. It does not refund amounts already paid.

One exception: if we end your subscription or stop offering a Product when you have not broken these Terms and are not behind on payment, we refund the unused part of any period you have already paid for (section 13).

Nothing in this section limits any refund right you have under law that cannot be waived.

7. Your business and your responsibilities

You own and run your business. That means your brand, prices, sales, marketing, customer relationships, customer support, contracts and revenue are yours, and so are the decisions and risks that come with them. We have no control over your business or your customers, and you do not act on our behalf.

You are responsible for:

• Your own terms of service and privacy policy for your customers, and for telling them how their data is handled (including that it is hosted by a service provider on your behalf).
• Getting and keeping every license, registration, permit, insurance and approval your business needs, and following the laws that apply to it. Examples: health, clinical and scope-of-practice rules and advertising rules for clinics; health-privacy laws; amusement-machine, coin-operated device, prize and redemption, and gaming rules for arcades; contractor licensing, certification and safety rules for welding; consumer protection, marketing and messaging laws (including email and text-message rules); employment law; and data-protection law.
• Collecting, reporting and paying taxes on your own sales.
• Your own payment account (for example, your own Stripe account): you are the seller to your customers and are responsible for your charges, refunds, disputes and payouts.
• Making sure the data you and your customers put into the Product is collected lawfully, with any notices and consents the law requires.
• Keeping your account secure, keeping your contact and billing details accurate, and everything done under your account.
• Following our Acceptable Use Policy.

Health information. Clinic OS is not offered as a HIPAA-compliant service. Unless you and we have signed a separate Business Associate Agreement, you must not use any Product to store or process protected health information covered by HIPAA. We do not offer a Business Associate Agreement.

We do not give legal, tax, medical, financial or regulatory advice. Anything in a Product, blueprint or playbook (including templates for quotes, waivers, policies or messages) is a starting point that you must review and adapt with your own advisers.

8. No earnings or customer promises

We make no promise, guarantee or projection about income, revenue, profit, number of customers, or whether your business will succeed. Nobody at multipliers.ai or Kiwana AI, Inc. is authorized to make one.

Market research, demand evidence, "why this niche" figures, competitor prices and examples on our site describe a niche and what customers in it typically pay for tools. They are not a prediction of your results. Your results depend on you, your market and many factors outside our control. We do not find customers for you.

Figures about an industry or a market — including totals that combine several industries or ideas — show how much customers in those industries already spend, from third-party sources. They are not the size of an opportunity open to you, a share of a market you can win, or what any business will earn.

Business plans, blueprints, roadmaps, feature lists, pricing models, go-to-market notes and examples that we publish or share describe what a product could do. They are not advice, not a promise that any product or feature will be built, and not a prediction of results.

Starting and running a business involves risk, including losing the money and time you put into it. Do your own research and get your own advice before you buy.

9. Your customers' data — our role

Data that you and your customers put into your instance ("Customer Data") belongs to you. For Customer Data, you are the controller (the business that decides why and how it is used) and we act as your service provider and processor.

• We process Customer Data only to host, run, secure, support and improve your instance, on your instructions in these Terms, or where the law requires.
• We do not sell Customer Data, and we do not use it for our own marketing, analytics, communications or to train AI models. We never email your customers on our own behalf.
• Each instance has its own database and secrets, separated from every other buyer's instance.
• Our staff access Customer Data only when needed to operate or support your instance, or when you ask us to.
• We use the service providers listed in our Privacy Policy to host and run instances, all in the United States. We will tell you before adding a new provider that stores Customer Data.
• If we confirm a security breach affecting your Customer Data, we will notify you without undue delay and within 72 hours, and give you the information you need to meet your own obligations.
• We will help you respond to requests from your customers to access, correct or delete their data.

This section is our data processing commitment for Customer Data. If your business needs it as a separately signed document, email us and we will send this section for signature.

10. Intellectual property

We (Kiwana AI, Inc. and our licensors) own the Products, their source code and designs, the blueprints and playbooks, all updates and improvements, and the multipliers.ai name and brand. Except for the licenses in Section 3, these Terms give you no rights in them.

You own your brand (business name, logo, domain), the content you add, and your Customer Data. You grant us a limited license to host, copy, display and process them only as needed to provide our services to you.

We may use any feedback or suggestions you send us without obligation to you. Improvements we make may be offered to every buyer of a Product.

Our Products are built in public. We may show and discuss the Product itself in videos and marketing, but we will not show your instance, your brand or your Customer Data, or name you as a customer, without your permission.

11. Service, availability and support

For Host & Operate, we use reasonable efforts to keep your instance available, secure and up to date. We do not promise uninterrupted or error-free service, and no uptime commitment applies unless we agree one with you in writing.

We may carry out planned maintenance, and we may update, add or change features across all instances of a Product. We will not remove a core feature of a Product without telling you at least 30 days in advance.

Support for Host & Operate is provided through email to multipliers@kiwana.ai, and we reply within three business days. The retainer covers hosting, monitoring, security, bug fixes and Product improvements we choose to make. It does not include custom development for you unless we agree otherwise in writing.

DIY blueprints include access to the blueprint materials only, with no hosting, maintenance or support.

Our service depends on third parties such as Stripe, Google Cloud, Firebase and our database provider, and on your domain registrar. Their terms apply to your use of their services, and we are not responsible for their outages.

12. Acceptable use

You and your customers must use the Products only as allowed by our Acceptable Use Policy, which is part of these Terms.

13. Suspension and termination

You may stop using our services at any time and cancel as described in Section 5.

We may suspend or end your account, your license or your instance if you seriously or repeatedly break these Terms or our Acceptable Use Policy, do not pay, or use our services in a way that creates legal or security risk for us, other buyers or the public. Where practical, we will warn you first and give you a chance to fix the problem. If we end your subscription or stop offering a Product when you have not broken these Terms and are not behind on payment, we refund the unused part of any period you have already paid for.

After termination, Section 5 applies to your data. Sections that by their nature should survive (including 6, 8, 10, 14, 15, 16, 17 and 19) survive termination.

14. Disclaimers

Except as expressly stated in these Terms, the Products, blueprints and services are provided "as is" and "as available". To the fullest extent the law allows, we disclaim all other warranties, express or implied, including merchantability, fitness for a particular purpose, title and non-infringement, and any warranty that a Product will meet your business needs, comply with the laws that apply to your business, or produce any result.

15. Limitation of liability

To the fullest extent the law allows:

• We are not liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, customers, goodwill or business opportunity, even if we were told they were possible.
• We are not liable for your business, your decisions, your customers, your dealings with your customers, or your compliance with the laws that apply to your business.
• Our total liability for all claims relating to these Terms or our services is limited to the amount you paid us in the 12 months before the event giving rise to the claim.

These limits do not apply where the law does not allow them to, including liability that cannot be limited for fraud, gross negligence or willful misconduct.

16. Indemnity

You will defend and indemnify Kiwana AI, Inc. and its owners, staff and contractors against third-party claims, losses and reasonable costs (including legal fees) arising from your business, your customers or your dealings with them, the content and data you put into the Products, your breach of these Terms or the Acceptable Use Policy, or your violation of any law or anyone else's rights.

17. Governing law and disputes

These Terms are governed by the laws of the State of Illinois and applicable US federal law, without regard to conflict-of-laws rules.

Before starting a formal claim, each side agrees to try to resolve the dispute informally by writing to the other and allowing 30 days to resolve it. Any dispute that is not resolved will be heard exclusively in the state or federal courts located in Cook County, Illinois, and both sides consent to that jurisdiction.

To the extent the law allows, each side may bring claims against the other only individually, not as a plaintiff or member of a class or representative action. Either side may still bring an individual claim in small-claims court.

18. Changes to these terms

We may update these Terms. We will post the new version here with a new "Last updated" date. If a change materially affects your rights, we will also email you at least 30 days before it takes effect. If you keep using our services after a change takes effect, the updated Terms apply. If you do not agree, you can cancel before the change takes effect. Changes do not apply to disputes that arose before the change.

19. General

• These Terms, with the policies they refer to and your order details, are the entire agreement between us about their subject.
• We are independent businesses. Nothing in these Terms creates a partnership, joint venture, franchise, employment or agency relationship.
• You may not assign these Terms without our consent. We may assign them to a company that acquires our business or the relevant Product, and we will tell you if that happens.
• If any part of these Terms is unenforceable, the rest stays in effect. If we do not enforce a right, we have not waived it.
• Neither of us is responsible for delays caused by events beyond reasonable control (other than your obligation to pay).
• You must comply with US export control and sanctions laws and may not use our services where they prohibit it.
• We send notices to the email address on your account. You send notices to the contact details below.

20. Contact

Kiwana AI, Inc. · 1673 Castaway Court, Hoffman Estates, IL 60010 · multipliers@kiwana.ai