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Terms of Service

Effective date: February 24, 2026 · Last updated: February 24, 2026

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and Courtside AI Inc., a corporation incorporated under the laws of Ontario, Canada (“Courtside AI,” “we,” “us,” or “our”), governing your access to and use of the Courtside AI platform, website, and related services (collectively, the “Service”).

1. Acceptance of Terms

By creating an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you are using the Service on behalf of a business or other 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 Service.

2. Service Description

Courtside AI is an AI-powered voice agent platform designed for financial services professionals, including mortgage brokers, insurance agents, and similar practitioners. The Service enables users to:

  • Create and manage AI voice agents for outbound and inbound calling
  • Upload and manage lead/contact databases
  • Launch and manage calling campaigns
  • Book appointments via AI-driven conversations
  • Access post-call analytics, summaries, and action items
  • Integrate with calendars and third-party services

Courtside AI is a technology platform. We do not provide legal, financial, regulatory, or compliance advice. The Service is a tool that operates under your direction and control.

3. Account & Eligibility

To use the Service, you must:

  • Be at least 18 years of age
  • Operate a valid, legally registered business or professional practice
  • Provide accurate and complete registration information
  • Maintain the security of your account credentials
  • Promptly notify us of any unauthorized use of your account

You are fully responsible for all activities that occur under your account, including actions taken by team members you invite to your organization.

4. User Responsibilities & Compliance

This section is critical. By using Courtside AI, you acknowledge and agree to the following:

4.1 Consent & Telemarketing Compliance

You are solely responsible for obtaining all necessary prior express consent from every contact before any AI-initiated call, text message, or communication is made on your behalf. This includes, without limitation, compliance with:

  • TCPA (Telephone Consumer Protection Act, United States) — including prior express written consent for telemarketing calls and prerecorded/artificial voice messages
  • CRTC Unsolicited Telecommunications Rules and CASL (Canada's Anti-Spam Legislation, Canada)
  • National and state/provincial Do Not Call (DNC) lists, including the US National DNC Registry and Canada's NDNCL
  • All applicable federal, state, provincial, and local telemarketing laws

4.2 Data Accuracy & Lawful Basis

You represent and warrant that all data you upload to the Service (including leads, contacts, phone numbers, email addresses, and any other personal information) has been collected lawfully and that you have a valid legal basis for its use. You must not upload data you do not have the right to use.

4.3 Industry-Specific Regulations

If you operate in a regulated industry, you are solely responsible for ensuring your use of the Service complies with all applicable industry-specific regulations, including but not limited to FINRA rules, state and provincial insurance commission regulations, mortgage licensing requirements, and any other regulatory obligations applicable to your business.

4.4 Call Content & Disclosure

You are responsible for the content and conduct of all calls made through the Service on your behalf, including ensuring that call recipients are informed they are speaking with an AI agent where required by law. Courtside AI does not monitor or screen call content in real time.

4.5 Opt-Out & DNC Requests

You must honor all opt-out and Do Not Call requests promptly and maintain your own internal DNC list. Failure to honor such requests may result in immediate suspension of your account.

4.6 Platform Role Disclaimer

Courtside AI is a technology provider. We provide the tools; you direct how they are used. Courtside AI is not responsible for your compliance failures, regulatory violations, or any claims arising from your use of the Service.

5. Acceptable Use

You agree not to use the Service to:

  • Engage in spam, unsolicited communications, or robocalling in violation of law
  • Conduct fraudulent, deceptive, or misleading activities
  • Harass, threaten, or abuse any person
  • Violate any applicable law, regulation, or third-party rights
  • Transmit malware, viruses, or harmful code
  • Attempt to gain unauthorized access to the Service or its infrastructure
  • Resell or redistribute the Service without authorization
  • Impersonate any person or entity

We reserve the right to suspend or terminate your account immediately if we reasonably believe you are in violation of this section.

6. Billing & Payment

  • The Service is offered on a monthly subscription basis with additional usage-based charges (e.g., per-call minutes, per-SMS).
  • Subscriptions auto-renew at the end of each billing period unless cancelled before the renewal date.
  • All payments are processed by Stripe. You agree to Stripe's terms of service.
  • Fees are non-refundable unless otherwise required by applicable law.
  • We reserve the right to change pricing with 30 days' advance notice. Continued use after a price change constitutes acceptance.
  • Failure to pay may result in suspension or termination of your account and access to the Service.

7. Intellectual Property

Courtside AI and its licensors retain all rights, title, and interest in and to the Service, including all software, algorithms, models, interfaces, trademarks, and documentation. Nothing in these Terms transfers any intellectual property rights to you.

You retain all rights to the data and content you upload to or create through the Service (“User Content”). You grant Courtside AI a limited, non-exclusive license to use your User Content solely to provide and improve the Service.

8. Data & Privacy

Your use of the Service is subject to our Privacy Policy, which describes how we collect, use, store, and share information. By using the Service, you consent to our data practices as described in the Privacy Policy.

9. Third-Party Services

The Service integrates with and relies upon third-party services, including but not limited to:

  • Retell AI — AI voice call processing and conversation
  • Twilio — telephony infrastructure and SMS delivery
  • Stripe — payment processing
  • SendGrid — email delivery
  • Google / Microsoft — calendar integration (when connected by User)

These third-party services are provided “as is.” Courtside AI is not responsible for the availability, accuracy, or performance of third-party services, and your use of such services may be subject to their own terms and policies.

10. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

To the fullest extent permitted by law, Courtside AI disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranties arising out of course of dealing or usage of trade.

Without limiting the foregoing, Courtside AI does not warrant or guarantee that:

  • The Service will be uninterrupted, error-free, or secure
  • AI voice agents will achieve any specific call outcomes, conversion rates, or appointment bookings
  • Lead data or call analytics will be accurate or complete
  • The Service will comply with laws specific to your jurisdiction or industry

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

  • Courtside AI's total aggregate liability for any claims arising out of or related to these Terms or the Service shall not exceed the total fees paid by you to Courtside AI in the twelve (12) months immediately preceding the event giving rise to the claim.
  • In no event shall Courtside AI be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, revenue, data, business opportunities, or goodwill, regardless of the theory of liability.
  • Courtside AI shall not be liable for any damages, fines, penalties, or losses arising from your failure to comply with applicable laws, regulations, or these Terms.

12. Indemnification

You agree to indemnify, defend, and hold harmless Courtside AI, its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

  • Your use of the Service
  • Your User Content or data you upload to the Service
  • Your violation of these Terms
  • Your violation of any applicable law, regulation, or third-party rights, including but not limited to telemarketing laws, privacy laws, and DNC regulations
  • Any claims brought by persons contacted through the Service on your behalf
  • Any regulatory action, investigation, or enforcement proceeding related to your use of the Service

This indemnification obligation survives termination of these Terms and your use of the Service.

13. Mandatory Arbitration & Class Action Waiver

Binding Arbitration. Any dispute, controversy, or claim arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered in accordance with the arbitration laws of Ontario, Canada. The arbitration shall be conducted in Toronto, Ontario, by a single arbitrator. The language of arbitration shall be English.

Class Action Waiver. You and Courtside AI agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You expressly waive any right to participate in a class action lawsuit or class-wide arbitration.

Exceptions. Either party may seek injunctive or other equitable relief in a court of competent jurisdiction in Ontario, Canada, for matters related to intellectual property rights or unauthorized access to the Service.

14. Termination

Either party may terminate these Terms at any time. You may cancel your subscription and close your account through the Service settings or by contacting us.

Courtside AI may suspend or terminate your access immediately, without prior notice, if we reasonably believe you have violated these Terms, engaged in unlawful activity, or pose a risk to the Service or other users.

Upon termination, your right to use the Service ceases immediately. We may retain your data for a reasonable period as described in our Privacy Policy. Sections that by their nature should survive termination will survive, including but not limited to Sections 4, 7, 10, 11, 12, 13, and 16.

15. Modifications

We may update these Terms from time to time. We will provide at least 30 days' notice of material changes via email or in-app notification. Your continued use of the Service after the effective date of the revised Terms constitutes acceptance of the changes.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles. Subject to the arbitration clause above, the courts of Ontario, Canada, shall have exclusive jurisdiction over any matters not subject to arbitration.

17. Contact

If you have questions about these Terms, please contact us at:

Courtside AI Inc.
Email: contact@court-side.ai