Chat terms

Version 2026-09-17.1, last updated 2026-09-17. thinkapenny.ai — admin@thinkapenny.org

Agreeing to these terms

Using thinkapenny.ai chat means you accept these terms. If you are using it for an organisation, you are confirming you may accept them on that organisation's behalf. If you do not accept them, do not use the service.

What this service is

The chat is a conversational interface to language models. Some run on our own hardware; others are third-party models reached on your behalf, or with a provider key you have brought yourself.

Conversations are kept where you choose and nowhere else — in your browser, in your own Google Drive, or not at all. That choice is yours to change at any time, and what each option means is set out in the privacy policy.

Your content, and what models produce

What you type stays yours. We claim no ownership of it and do not use it to train models.
You are responsible for having the right to send what you send.
Model output is generated text. It can be wrong, out of date, or confidently mistaken, and it is not legal, medical, or financial advice. Check anything you intend to rely on.
Where the chat searches the web or reads a page on your behalf, that request goes out under our infrastructure — do not use it to reach anywhere you are not permitted to.

Your account is yours alone

Do not share your login credentials. An account is for one person. Passwords, one-time passcodes, session cookies and API keys must not be given, lent, or sold to anyone else, inside or outside your organisation.
You are responsible for what happens under your account. Tell us promptly at admin@thinkapenny.org if you think someone else has access to it.
Do not create an account for anyone else, or use another person's identity, email address or mobile number.

Acceptable use

You may not use thinkapenny.ai chat, or anything it produces:

for any unlawful purpose, or to help anyone else break the law;
to send or solicit unlawful, deceptive, or unsolicited messages, including anything relating to illegal drugs, firearms, or the other categories carriers prohibit on messaging services;
to harass, threaten, defame, or impersonate anyone, or to produce material that sexualises children;
to infringe someone else's copyright, trademark, privacy, or confidence;
to upload content you have no right to share, including another organisation's confidential documents;
to attack, probe, overload or circumvent the service, its rate limits, or its billing — including by automating sign-ups or evading a suspension;
to build a competing service by extracting our prompts, schemas, or model configuration in bulk.

No reselling

Access is sold to you, for your own use. You may not resell, sublicense, rent, lease, or otherwise make thinkapenny.ai chat available to a third party as a service, whether for money or not. You may not act as a broker, proxy, or intermediary that lets other people make requests through your account or your API key.

Building your own product that uses the API under your own account is fine and expected. Reselling the API itself, or passing raw access through to people who have no account here, is not.

Text messages

thinkapenny.ai chat sends SMS text messages only to a mobile number you have given us and only for the purpose you gave it for — chiefly one-time passcodes and account or security notices relating to your own account. We do not send marketing or promotional text messages.

Consent. You opt in by entering your mobile number and confirming it in the application. Consent to receive text messages is never a condition of buying anything.
Frequency. Message frequency varies and depends on your own activity — a passcode is sent when you ask to sign in, and a notice when something happens to your account.
Cost. Message and data rates may apply. We do not charge for the messages themselves; your mobile carrier may.
Opt out. Reply STOP to any message to stop receiving them. We will send one confirmation and then nothing further. You can opt back in by replying START or by asking us again in the application. Stopping texts may prevent you signing in by passcode; other ways of signing in continue to work.
Help. Reply HELP to any message, or write to admin@thinkapenny.org.
Delivery. Carriers are not liable for delayed or undelivered messages, and we cannot guarantee that any particular message arrives.

Supported carriers may change without notice.

Availability and change

The service is provided as it is. We do not promise it will be available, correct, or uninterrupted, and models make mistakes — output should be checked before it is relied upon for anything that matters. We may change, suspend, or discontinue features, and will give notice where we reasonably can.

Liability

To the extent the law allows, thinkapenny.ai is not liable for indirect, incidental, or consequential loss, or for lost profits or data, arising from your use of the service. Nothing here limits liability that cannot lawfully be limited.

Paying for what you use

Some plans include a fixed allowance for a fixed price. Others charge for what you actually use, per unit of text processed, at the rates published at /chat/rates. Which kind of plan you are on, and what it allows or charges, is shown when you choose it and on your allowance page.

Usage-based plans are paid in advance. You add credit to your account, and what you use is deducted from it. When the credit runs out the service stops until more is added. You are never billed for more than the credit on your account, and we do not extend credit.
Credit is not refundable and does not expire. It may be used only for this service, cannot be transferred to another account or person, and has no cash value.
Credit remaining on an account that is closed is forfeited. That applies whether you close the account or we do. If you want to use credit you have paid for, use it before closing the account.
Rates can change. Most models are operated by other companies, and our rates follow what they charge us. We may change published rates, and the rates in force when you make a request are the rates that apply to it. Where a plan states that a price is held for a fixed term, we will hold it for that term.
Prices exclude any taxes that apply where you are, unless stated otherwise.

We will give notice of a rate change in the application before it takes effect, where it is practical to do so. If you do not accept a new rate, stop using the usage-based plan — continuing to use it after a change takes effect is acceptance of it.

Ending it

You may stop using the service and ask us to close your account at any time. We may suspend or close an account that breaks these terms, that puts the service or other users at risk, or that we are required to act on — and we will say why unless we are prevented from doing so.

When an account is closed we delete what identifies you and keep a record of the account itself — when it opened and closed, which terms you accepted and when, what the account was charged, and what credit was paid in and forfeited. We keep that record for as long as we may need it to answer a legal or financial question about the account. Closing an account does not entitle you to a refund of credit; see Paying for what you use above. If you open a new account later it is a new account, with no credit, history or settings carried over from the old one.

Changes and contact

If these terms change, the date at the top changes with them, and material changes are announced in the application. Questions and notices go to admin@thinkapenny.org.

Your privacy is covered separately, in the privacy policy.