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# // TERMS OF SERVICE

Effective Date: March 2026 · Last Updated: March 2026

// PLAIN LANGUAGE SUMMARY

Timmy Time is an AI assistant and automation dashboard. If you use Lightning Network payments through this service, those payments are final and cannot be reversed. We are not a bank, broker, or financial institution. Use this service at your own risk. By using Timmy Time you agree to these terms.

// 1. SERVICE DESCRIPTION

Timmy Time ("Service," "we," "us") provides an AI-powered personal productivity and automation dashboard. The Service may include:

- AI chat and task management tools
- Agent orchestration and workflow automation
- Optional Lightning Network payment functionality for in-app micropayments
- Integration with third-party services (Ollama, Nostr, Telegram, Discord)

The Service is provided on an "as-is" and "as-available" basis. Features are experimental and subject to change without notice.

// 2. ELIGIBILITY

You must be at least 18 years of age to use this Service. By using the Service, you represent and warrant that:

- You are of legal age in your jurisdiction to enter into binding contracts
- Your use of the Service does not violate any applicable law or regulation in your jurisdiction
- You are not located in a jurisdiction where cryptocurrency or Lightning Network payments are prohibited

// 3. PAYMENT TERMS & LIGHTNING FINALITY
⚡ IMPORTANT — LIGHTNING PAYMENT FINALITY
Lightning Network payments are final and irreversible by design. Once a Lightning payment is sent and settled, it cannot be reversed, recalled, or charged back. There are no refunds on settled Lightning payments except at our sole discretion.

#### 3.1 Payment Processing

All payments processed through this Service use the Bitcoin Lightning Network. You are solely responsible for:

- Verifying payment amounts before confirming
- Ensuring you have sufficient Lightning channel capacity
- Understanding that routing fees may apply

#### 3.2 No Chargebacks

Unlike credit card payments, Lightning Network payments do not support chargebacks. By initiating a Lightning payment, you acknowledge and accept the irreversibility of that payment.

#### 3.3 Regulatory Uncertainty

The regulatory status of Lightning Network payments varies by jurisdiction and is subject to ongoing change. You are responsible for determining whether your use of Lightning payments complies with applicable laws in your jurisdiction. We are not a licensed money transmitter, exchange, or financial services provider.

// 4. LIMITATION OF LIABILITY
DISCLAIMER OF WARRANTIES
THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

- We are not liable for any lost profits, lost data, or indirect, incidental, special, consequential, or punitive damages
- Our total aggregate liability shall not exceed the greater of $50 USD or amounts paid by you in the preceding 30 days
- We are not liable for losses arising from Lightning channel force-closures, routing failures, or Bitcoin network congestion
- We are not liable for actions taken by AI agents or automation workflows
- We are not liable for losses from market volatility or cryptocurrency price changes

// 5. DISPUTE RESOLUTION

#### 5.1 Informal Resolution

Before initiating formal proceedings, please contact us to attempt informal resolution. Most disputes can be resolved quickly through direct communication.

#### 5.2 Binding Arbitration

Any dispute not resolved informally within 30 days shall be resolved by binding arbitration under the rules of the American Arbitration Association (AAA). Arbitration shall be conducted on an individual basis — no class actions.

#### 5.3 Exceptions

Either party may seek injunctive relief in a court of competent jurisdiction to prevent irreparable harm pending arbitration.

// 6. TERMINATION

We reserve the right to suspend or terminate your access to the Service at any time, with or without cause, with or without notice. You may stop using the Service at any time.

Upon termination:

- Your right to access the Service immediately ceases
- Sections on Limitation of Liability, Dispute Resolution, and Governing Law survive termination
- We are not liable for any Lightning funds in-flight at the time of termination; ensure channels are settled before discontinuing use

// 7. GOVERNING LAW

These Terms are governed by the laws of the applicable jurisdiction without regard to conflict-of-law principles. You consent to the personal jurisdiction of courts located in that jurisdiction for any matters not subject to arbitration.

// 8. CHANGES TO TERMS

We may modify these Terms at any time by posting updated terms on this page. Material changes will be communicated via the dashboard notification system. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

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