• Account: A unique account associated with the Services.
  

• Content: Any materials you or your end users upload, provide, publish, or otherwise make available through the Services, including products, courses, communities, newsletters, coaching materials, text, images, audio, video, live streams, names, logos, trademarks, and any output generated by Pablo’s AI features in response to your prompts.
  

• Customers: Your end users (e.g., customers, students, subscribers, members).
  

• Third‑Party Services: Software, products, or services provided by third parties that integrate with or are used in connection with the Services (e.g., payment processors, email delivery, analytics, mobile app stores).
  

• 4.1 Eligibility. You must be at least 18 years old (or the age of majority where you live) to use the Services.
  

• 4.2 Account Owner. The person who creates the Account is the Owner and is responsible for compliance with these Terms and for all activity under the Account, including actions by employees, agents, contractors, and admin users.
  

• 4.3 Account Information. You agree to provide accurate, current information (e.g., legal name, business address, email) and keep it up to date. Your Account’s primary email address is where we send important notices.
  

• 4.4 Security. Keep your credentials secure. You are responsible for all activity under your Account. We may require additional security steps (e.g., multi‑factor authentication).
  

• 5.1 Service Scope. Pablo provides an all‑in‑one monetisation platform to create, market, sell, and deliver digital products and services. Not every feature is available in every plan or region.
  

• 5.2 Modifications. We may change, add, or remove features or components of the Services at any time. We may suspend or discontinue the Services (in whole or part) with reasonable notice where practicable.
  

• 5.3 Access & Suspension. We may refuse, limit, suspend, or terminate access to the Services if you breach these Terms, violate the AUP, pose security or legal risks, or fail to pay fees.
  

• 6.1 Compliance & Policies. You must comply with all applicable laws and the Policies in your use of the Services and your business operations.
  

• 6.2 Your Business, Your Obligations. Pablo is not a marketplace or the seller of your goods/services. You are the merchant of record for your transactions and solely responsible for: creating and operating your sites and offerings; your Content; sales; pricing; taxes; refunds; delivery/fulfilment; customer service; and compliance with consumer protection and other laws.
  

• 6.3 Backups. You are solely responsible for backing up your Content and Customer data.
  

• 6.4 Prohibited Conduct. You agree not to: (a) access or monitor the Services via scraping, robots, or similar; (b) circumvent technical measures or enable disabled features; (c) reverse‑engineer, decompile, or disassemble the Services; (d) use the Services for unlawful, harmful, or deceptive activities; (e) infringe IP or privacy rights; or (f) upload malware or engage in abusive behaviour. See the AUP for details.
  

• 7.1 Fees. You agree to pay all fees associated with your plan and any add‑on Services ("Fees"). Fees are charged in the currency shown at checkout and ar
  

• 7.2 Authorised Payment Method. You must maintain a valid payment method on file. We will charge it for recurring subscription fees and other applicable amounts until your Account is closed and all sums are paid.
  

• 7.3 Billing Date & Invoices. Subscription Fees are billed in advance on your billing cadence (monthly/annual). Additional fees may be billed as incurred. Invoices are sent to your primary email and/or available in your Account.
  

• 7.4 Delinquency. If a charge fails, we may retry, request a new payment method, debit connected balances (where applicable), or suspend your Account until amounts due (plus any next‑cycle Fees) are paid. Persistent non‑payment may lead to closure.
  

• 7.5 Taxes. You are responsible for all applicable taxes, duties, and charges (e.g., VAT, GST, sales tax) relating to your use of the Services and your transactions, except for taxes based on Pablo’s income.
  

• 7.6 Refunds. Unless a specific plan or local law states otherwise, all payments are non‑refundable and non‑creditable once charged. If a trial or a specific refund policy applies, it will be described at sign‑up for that plan.
  

• 8.1 Pablo IP. The Services, including software, code, features, designs, architecture, documentation, trade secrets, and all related intellectual property ("Pablo IP"), are owned by Pablo and its licensors. No ownership rights are transferred to you. We grant you a limited, revocable, non‑exclusive, non‑transferable right to access and use the Services during your subscription in accordance with these Terms.
  

• 8.2 Restrictions. You may not copy, modify, create derivative works of, distribute, lease, sell, sublicense, or otherwise exploit the Services or Pablo IP, nor remove or alter proprietary notices.
  

• 8.3 Trademarks. "Pablo", our logos, and all related names and marks are Pablo’s trademarks. You may not use them without our prior written consent. You may not register or use confusingly similar marks, domains, or keywords.
  

• 8.4 Your Content Ownership. You retain ownership of your Content. You represent and warrant that you have all necessary rights to your Content and to grant the licence below.
  

• 8.5 Licence to Pablo. You grant Pablo a worldwide, non‑exclusive, transferable, sublicensable, royalty‑free licence to host, use, copy, store, display, reproduce, modify, run, distribute, publicly perform, communicate, translate, and create derivative works of your Content as necessary to operate, improve, promote, and provide the Services, and as otherwise permitted by these Terms and the Policies. To the extent permitted by law, you waive any moral rights in your Content in Pablo’s favour.
  

• 8.6 Feedback. We welcome feedback and suggestions. If you provide any, you assign all rights in that feedback to Pablo, and Pablo may use it without restriction or compensation.
  

If you send emails or messages via the Services, you must comply with all applicable laws (e.g., anti‑spam) and our Email Requirements (part of the AUP), including obtaining opt‑in consent, honouring opt‑outs, including an unsubscribe link and contact details, and avoiding deceptive headers/subjects. We may suspend or limit messaging features to protect deliverability and compliance.

The Services may enable or require the use of Third‑Party Services (e.g., payment processors, email delivery, AI models, analytics, app stores). Your use of Third‑Party Services is solely between you and the provider and may require you to accept their terms and pay their fees. We do not control or endorse Third‑Party Services and are not responsible for their security, availability, or performance. By enabling a Third‑Party Service, you authorise us to share data with that provider as necessary for the integration.

You acknowledge and agree that, in respect of your customers Personal Data, You act as the Data Controller and We act solely as a Data Processor processing such Personal Data on behalf of You. You are solely responsible for determining the purposes and means of processing Personal Data, including any transfer of such data to third-party services.

If you use third party software on our Website, such as integrations, You instruct us to transfer Personal Data to the relevant third-party service on your behalf. If you do so, you acknowledge that such third parties act as independent data controllers or processors, and we shall not be responsible for the processing of Personal Data by such third parties.

 You shall ensure that only Personal Data strictly necessary for the intended purpose is transferred to any third-party service and that the third party service has a valid legal basis for the collection and processing of Personal Data before sharing.

You shall ensure that your privacy notices clearly disclose the use of third-party processors and integrations, including cross-border data transfers where applicable. You agree to use only third-party services that provide adequate data protection safeguards in accordance with applicable data protection laws.

We shall not be liable for any loss, damage, or breach arising from your use of third-party integration, services or processing of personal data, including any transfer of Personal Data initiated by or on behalf of you and your customers.

We may invite you to test beta or early‑access features. Such features are provided "as is", may be modified or discontinued at any time, and are Pablo Confidential Information. Participation is optional and may be subject to additional terms.

• 12.1 Privacy & DPA. Our processing of personal data is governed by our Privacy Notice and, where applicable, our DPA (incorporating UK GDPR/EU GDPR terms). Where we act as a processor for you, the DPA applies.
  

• 12.2 Your Role. You are the controller for personal data you collect from Customers. You are responsible for providing lawful bases, notices, and rights to data subjects; implementing appropriate safeguards; and complying with applicable data protection laws (including UK GDPR/EU GDPR and PECR, where applicable).
  

• 12.3 Security. You must implement reasonable security measures, keep credentials secure, and notify us promptly of any suspected unauthorised access or breach related to the Services.
  

• 12.4 PCI‑DSS. If you process payment card data directly, you are responsible for PCI compliance. If Pablo or a payment processor handles card data on your behalf, that party is responsible for its scope of processing.
  

• 8.6 Feedback. We welcome feedback and suggestions. If you provide any, you assign all rights in that feedback to Pablo, and Pablo may use it without restriction or compensation.
  

Each party may access the other's non‑public information that is marked or reasonably understood as confidential ("Confidential Information"). The receiving party will use Confidential Information only to perform under these Terms, will protect it with reasonable care, and will not disclose it except to personnel and service providers who need to know and are bound by confidentiality obligations, or when required by law (with notice where lawful). Confidentiality obligations do not apply to information that is public, already known without restriction, independently developed, or lawfully disclosed by a third party.

You may not use Pablo to sell products or services in the following categories:

• 16.1 Your Warranties. You warrant that you have authority to enter these Terms; your Content and activities comply with law and do not infringe rights; and you will obtain all consents and provide all disclosures required by law.
  

• 16.2 Service Disclaimer.The Services are provided on an "AS IS" and "AS AVAILABLE" basis. To the fullest extent permitted by law, Pablo disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, non‑infringement, and any implied warranties arising from course of dealing or usage of trade. We do not guarantee the Services will be uninterrupted, secure, or error‑free, or that results will be accurate or reliable.
  

To the fullest extent permitted by law: (a) Pablo will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or loss of profits, revenue, goodwill, data, or business interruption; and (b) Pablo’s total aggregate liability for all claims in any 12‑month period arising out of or relating to the Services or these Terms will not exceed the greater of (i) the amounts paid by you to Pablo for the Services in the 12 months preceding the event giving rise to liability, or (ii) £200 GBP.

Nothing in these Terms limits liability that cannot be limited under applicable law (e.g., fraud, death or personal injury caused by negligence).These Terms constitute the entire agreement between you and Pablo. If any provision is found unenforceable, the remainder will remain in full force. You may not assign your account or rights without our written consent.

You will defend, indemnify, and hold harmless Pablo and its affiliates, directors, officers, employees, and agents from and against any claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from or related to: (a) your Content or your business operations; (b) your breach of these Terms or the Policies; (c) your violation of law or third‑party rights; or (d) your use of Third‑Party Services.

We respect intellectual property rights. If you believe Content on the Services infringes your rights, please email shaz@pablo.ai with details sufficient for us to identify and address the material. We may remove or disable access to alleged infringing material and may terminate repeat infringers.

These Terms and any non‑contractual obligations arising out of or in connection with them are governed by the laws of England and Wales. The courts of England and Wales will have exclusive jurisdiction to resolve any dispute arising from or relating to these Terms or the Services, subject to any mandatory consumer rights that provide otherwise.

We may update these Terms and the Policies from time to time. If a change materially and adversely affects your rights or use of the Services, we will provide reasonable notice (e.g., via email to your primary email address, in‑app notice, or at pablo.ai/legal). Unless otherwise stated, changes take effect upon posting. Your continued use of the Services after the effective date constitutes acceptance of the updated terms. If you do not agree, you must stop using the Services and cancel your Account.

You may not assign or transfer these Terms, your Account, or any rights or obligations hereunder without Pablo’s prior written consent. Pablo may assign or transfer these Terms (in whole or part) without your consent, including in connection with a merger, acquisition, sale of assets, or reorganisation.

These Terms together with the Policies constitute the entire agreement between you and Pablo regarding the Services and supersede all prior or contemporaneous agreements on the subject matter. If any provision is found invalid or unenforceable, it will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will remain in full force. No waiver of any term will be deemed a further or continuing waiver of such term or any other term.

Sections that by their nature should survive termination will survive, including Fees & Taxes, IP & Licences, Data Protection & Security, Confidentiality, Disclaimers, Limitation of Liability, Indemnification, Governing Law & Venue, Assignment, Entire Agreement; Severability; No Waiver, and Survival.

If you are a consumer and mandatory local law affords you rights that conflict with these Terms, those rights will prevail to the extent of the conflict. Nothing in these Terms is intended to limit non‑waivable rights.

Notices to Pablo must be sent to shaz@pablo.ai and will be deemed given upon receipt. Notices to you may be sent to your Account email and deemed given when sent.

The following activities are prohibited on or in connection with the Services:

• Illegal activities; promotion of violence, exploitation, or self‑harm.
  

• Infringement of intellectual property or privacy rights.
  

• Unauthorised access, probing, or interference with the Services or third‑party systems.
  

• Distribution of malware, spam, or deceptive content; fraudulent or misleading practices.
  

• Collection or processing of special category or sensitive data without appropriate safeguards and lawful basis.
  

• Use of the Services to build or train competing models or services without prior written consent.
  

Pablo may monitor use for compliance and may remove Content, suspend features, or terminate accounts to enforce this AUP.

• Pablo acts as processor when processing personal data on your behalf and as controller for data it collects to provide and secure the Services.
  

• The DPA incorporates UK GDPR/EU GDPR standard clauses where applicable, sets out subject matter, duration, nature, and purpose of processing, categories of data subjects, and types of personal data.
  

• Pablo implements appropriate technical and organisational measures; engages sub‑processors under written agreements; provides assistance with data subject requests and security incidents; and offers audit rights as described in the DPA.
  

For the full AUP, Privacy Notice, and DPA, visit pablo.ai/legal or contact shaz@pablo.ai