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Ask Houser — Terms of Service

Effective August 31, 2026 · Last updated August 22, 2026

These Terms of Service ("Terms") form a binding agreement between you and Houser Technologies LLC, a Colorado limited liability company doing business as AI Housers ("Company", "we", "us", or "our") governing your access to and use of the "Ask Houser" service, also called "Houser" (the "Service"), including the marketing site at askhouser.com and the application at app.askhouser.com.

PLEASE READ THESE TERMS CAREFULLY. They include important provisions about the nature of the Service (Sections 2, 3, and 7), disclaimers of warranties (Section 11), limitations of liability (Section 12), indemnification (Section 13), and dispute resolution (Section 16). By accessing or using the Service, you agree to these Terms. If you do not agree, do not access or use the Service.

These Terms incorporate by reference the Privacy Policy, the Acceptable Use Policy, and the Disclaimer, each of which applies to your use of the Service.

Terms in brief

This plain-language summary is provided for convenience only. It is not part of the binding agreement, and the full Terms below control if there is any conflict.

  • What Houser is: a research and decision-support tool for housing professionals — not legal or tax advice, and not a decision-maker (Sections 2, 3, 7).
  • Built to be cited, verified by you: Houser grounds its answers in cited authoritative sources, but like any AI it can make mistakes — a qualified person must review Output and confirm it against the cited official source before relying on or acting on it (Section 7).
  • Keep sensitive PII out: don't enter Social Security numbers or financial account numbers; the Service attempts to block them, but that is best-effort only (Sections 5–6).
  • Your content stays yours: we don't use it to train AI models; your inputs are sent to our AI subprocessors only to generate answers (Section 6 and the Privacy Policy).
  • Risk allocation: the Service is provided "as is," and to the extent the law allows we're not liable for penalties or losses arising from reliance on Output — you're responsible for verifying it first (Sections 11–12).
  • Government & public-entity customers (PHAs, HFAs): indemnification, governing law, venue, and claim deadlines apply only to the extent your own law allows (Sections 13.4 and 16.5).
  • Disputes: Colorado law and courts, no mandatory arbitration, with informal resolution first (Section 16).

1. Acceptance & Eligibility

1.1 Professional and business use only. The Service is intended solely for use by affordable housing professionals — for example, public housing authority staff, compliance officers, and owners/agents and their staff — in connection with their work. By accessing or using the Service, you represent that you are using it in a professional or business capacity, and not as a consumer, as a pro-se tenant, or for personal, family, or household purposes. The Service is not designed or intended for consumers, pro-se tenants, or personal/household use.

1.2 Age. You must be at least 18 years old to use the Service. The Service is not directed to and may not be used by children.

1.3 Authority to bind an organization. If you use the Service on behalf of an organization (including under any Enterprise Subscription, or any account that adds seats or users), you represent and warrant that you are authorized to accept these Terms on that organization's behalf, and that the organization agrees to be bound by these Terms. In that case, "you", "User", and "Customer" refer to that organization and its authorized users. You are responsible for the acts and omissions of users you authorize.

1.4 Acceptance. By creating an account, accessing, or using the Service, you accept these Terms. If you do not have authority to agree, or do not agree, you must not use the Service.

2. The Service

2.1 What the Service is. The Service is a software-as-a-service AI assistant that helps affordable housing professionals research compliance questions. Drawing on authoritative public regulatory sources — federal materials (such as the Code of Federal Regulations, HUD/PIH/CPD notices, and IRS guidance) and state materials (such as state statutes, bills, and housing-finance-agency guidance), curated by Houser (sources can still be superseded, rescinded, or amended — see Section 7) — it generates informational answers with citations to those source materials. The Service also includes tools to help identify and research funding and grant opportunities and to generate diagrams and images from your prompts, and related tools and features we make available from time to time — for example, a document library and research tools, letter and form drafting with electronic-signature records, correspondence-drafting tools (including drafts generated from email you forward to the Service), training and certification content (including AI-generated instructional audio and video), policy-review tools, organization document ingestion, team and administrative features, data lookups, and voice input and read-aloud. All such tools and features are part of the "Service" under these Terms. Some modes or features answer from the AI model's general knowledge rather than the curated sources, and are flagged as such in the interface.

2.2 Decision-support only. The Service is a decision-support tool. It provides general information. It is not a decision-maker. The Service does not, and is not designed to, make eligibility determinations, adverse determinations, or any other decision affecting an individual. The Service never auto-signs, auto-submits, or files any document or form. A human user is always responsible for reviewing the Service's Output ("Output", as defined in Section 6.1), making decisions, and signing and submitting anything.

2.3 Changes. The Service is evolving. We may add, modify, suspend, or discontinue features, models, source materials, or other aspects of the Service at any time, as described in Section 15.

2.4 Electronic records and signatures. You consent to receive agreements, notices, and records from us electronically, and to transact with us electronically. The Service includes optional tools for applying an electronic signature to documents you generate and for recording a tamper-evident signature certificate. You are responsible for determining whether an electronic signature is legally sufficient and permissible for your document, program, and jurisdiction, and for obtaining any required consent from other signers. The Company does not warrant the legal validity, enforceability, or program acceptance of any electronically signed document.

2.5 Beta and experimental features. We may offer features identified as beta, preview, or experimental. These are provided for evaluation, may be modified or withdrawn at any time, and are provided "as is" to the maximum extent permitted by law.

2.6 Training credentials. Any certificate, badge, or credential issued by the Service reflects completion of Houser training content only. It is not an accredited qualification, is not issued or recognized by any government agency, does not confer continuing-education credit or any license, and may be revoked for violation of these Terms.

3. Not Legal or Professional Advice; No Attorney-Client Relationship

3.1 General information only. The Service provides general information and software tools. It does not provide legal advice, tax advice, or any other professional advice, and nothing it produces is a substitute for the advice of a qualified attorney, tax professional, or other qualified advisor retained by you.

3.2 The Company is not a law firm. The Company is not a law firm and does not practice law in any jurisdiction. The Company's provision of general regulatory information, research assistance, and software tools is the provision of general-purpose software and information, and is not the practice of law or the provision of legal services.

3.3 No professional relationship. Your use of the Service does not create an attorney-client relationship, a tax-advisor relationship, or any other professional or fiduciary relationship between you and the Company. No communication with or Output from the Service is privileged or confidential as a matter of professional privilege.

3.4 No government affiliation. The Company is not affiliated with, endorsed by, or sponsored by the U.S. Department of Housing and Urban Development (HUD), the Internal Revenue Service (IRS), or any other government agency. References to government materials are for informational purposes only.

3.5 Your professional judgment. You are a professional responsible for exercising your own independent judgment, complying with applicable law and your own policies, and obtaining qualified professional advice where appropriate. See Section 7.

4. Accounts & Security

4.1 Account creation. You must register for an account to use most features. Account creation and authentication are handled through our authentication provider. You agree to provide accurate, current, and complete information and to keep it updated.

4.2 Credentials. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Do not share your credentials. Notify us promptly at support@aihousers.com if you suspect any unauthorized access or use.

4.3 Organization accounts. If you administer an organization or Enterprise account, you are responsible for managing your users' access, for ensuring your users comply with these Terms, and for promptly removing access for users who should no longer have it.

4.4 Security. We implement reasonable administrative and technical measures intended to protect the Service, but no method of transmission or storage is completely secure, and we do not guarantee the security of the Service or your data. See Section 11.

5. Acceptable Use

5.1 Acceptable Use Policy. Your use of the Service is subject to the Acceptable Use Policy, which is incorporated into these Terms by reference. By using the Service, you agree to comply with it.

5.2 Key prohibitions (summary). Without limiting the Acceptable Use Policy, you agree not to:

  • (a) use the Service for any unlawful purpose, or to violate the Fair Housing Act, fair-lending laws, civil-rights laws, or other applicable law;
  • (b) use the Service, or any Output, as the sole or automated basis for an eligibility, adverse, or other determination affecting an individual (see Section 7);
  • (c) use the Service to provide legal, tax, or other professional advice to third parties, or in any manner that would constitute the unauthorized practice of law;
  • (d) input prohibited sensitive personal information in violation of Section 6;
  • (e) attempt to reverse engineer, scrape, circumvent usage limits or access controls, or interfere with or disrupt the Service or its infrastructure;
  • (f) use the Service to develop a competing product, or to train or improve a machine-learning model;
  • (g) resell, sublicense, or provide the Service to third parties except as expressly permitted; or
  • (h) upload malicious code or content that is infringing, defamatory, or otherwise objectionable.

5.3 Enforcement. We may investigate and take action for violations, including the measures described in Section 14.

6. Your Content & Inputs

6.1 Definitions. "Output" means content the Service generates in response to you (including answers and citations). "Content" means, collectively, the inputs you submit to the Service and the Outputs generated for you.

6.2 Ownership of inputs and Outputs. As between you and the Company, you retain all rights you have in the inputs you submit, and the Company does not claim ownership of your inputs. As between you and the Company, the Company assigns to you whatever rights, if any, it may have in the Outputs generated for you, on an "as-is" basis and without any warranty of title, validity, ownership, or non-infringement, and without any representation that any Output is original, eligible for copyright or other protection, or that you obtain exclusive rights in it. Because Outputs are generated by AI, the same or similar Output may be generated for other users, and the Company retains the right to generate, and to permit others to generate, identical or similar Output. Section 8 governs ownership of the Service itself.

6.3 License to operate the Service. You grant the Company a non-exclusive, worldwide, royalty-free license to host, store, copy, transmit, process, and display your Content solely as needed to provide, operate, maintain, secure, and improve the Service and to comply with law, in each case consistent with the Privacy Policy. This license includes the right to transmit your Content to our Subprocessors — including our AI providers — so they can process it to generate Outputs and otherwise provide their portion of the Service, as described in Section 10 and the Privacy Policy. The Company will not use your Content to train AI models. Improvement of the Service uses de-identified or aggregated usage data (not the substance of your Content), as described in the Privacy Policy.

6.4 Your responsibility for inputs. You are solely responsible for your inputs and for your use of any Output. You represent and warrant that you have all rights, authority, consents, and lawful bases necessary to submit your inputs to the Service and to have them processed as described in these Terms and the Privacy Policy, including with respect to any third-party, tenant, or applicant information you choose to input.

6.5 Do not input prohibited sensitive PII. You must not input sensitive personal identifiers — including Social Security numbers and financial account numbers — into the Service. As the Service is currently designed, it applies an automated control that attempts to detect and hard-block such identifiers (Social Security numbers and financial account numbers) before they are sent to AI models, and asks you to remove them.

6.6 Best-effort detection — not a guarantee. The automated detection and hard-block described in Section 6.5 is best-effort and automated. It may not catch every instance, format, or variation, and you must not rely on it. It is your responsibility to keep prohibited and unnecessary sensitive personal information out of the Service. You acknowledge that personal information other than the blocked identifiers (for example, names, addresses, and case details) is not blocked and, if you enter it, is stored as part of your conversation Content as described in the Privacy Policy — so you should enter only the minimum personal information necessary.

6.7 No HIPAA. The Company is not a HIPAA-covered entity or business associate, and the Service is not designed to receive protected health information. Do not submit information requiring HIPAA-level protections.

7. AI Outputs & No Reliance Without Verification

7.1 Verify Outputs before relying on them. Houser grounds its answers in cited authoritative sources, but Output is AI-generated and can contain errors, including in citations or references, and source materials change over time (they may be superseded, rescinded, or amended). For that reason we do not warrant the accuracy, completeness, currency, or reliability of any Output, and you must confirm it against the cited source before relying on or acting on it (see Section 7.2). See Section 11.

7.2 Independent verification required. Before relying on or acting on any Output, you must independently verify it against the current, authoritative primary sources and your own organization's policies, and apply your own professional judgment. You are responsible for any decision you make and any action you take.

7.3 Human review and no automated determinations. A qualified human must review every Output before it is used. You must not use any Output as the sole basis for, or to automate, any eligibility determination, adverse action, or other decision affecting an individual. Such decisions must be reviewed, decided, and signed by an authorized human user.

7.4 Compliance is your responsibility. You are responsible for compliance with all applicable laws and program requirements in your use of the Service and any Output, including the Fair Housing Act, fair-lending and civil-rights laws, HUD and program rules, and rules governing the unauthorized practice of law. Nothing the Service provides is or constitutes "guaranteed" compliance, and you must not represent it as such. See Sections 11 and 12.

8. Intellectual Property

8.1 The Service. The Service, including its software, models as integrated, user interface, design, text, documentation, and all related intellectual property (excluding your Content and the public-domain government source materials), is owned by the Company or its licensors and is protected by intellectual-property and other laws. We grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable right to access and use the Service during your Subscription, subject to these Terms. No rights are granted except as expressly stated. Except as expressly stated in these Terms or in a separately signed written agreement, the Company makes no representation or warranty that the Service or any Output is non-infringing (see Sections 11 and 13.3).

8.2 Government source materials. The underlying U.S. government source materials (such as the CFR and HUD/IRS notices and guidance) are generally in the public domain. The Company claims no ownership of those public-domain materials. As stated in Section 3.4, the Company is not affiliated with or endorsed by any government agency.

8.3 Trademarks. "AI Housers", "Ask Houser", "Houser", and related names and logos are trademarks or marks of the Company. References to HUD, IRS, or other third-party names and marks are for identification only and do not imply affiliation or endorsement. You may not use our marks without our prior written permission.

8.4 Feedback. If you provide suggestions, ideas, or other feedback about the Service, you grant the Company a perpetual, irrevocable, worldwide, royalty-free license to use and incorporate that feedback without restriction or obligation to you.

8.5 Copyright complaints. If you believe content available through the Service infringes your copyright, send a notice containing the information required by 17 U.S.C. § 512(c)(3) to legal@aihousers.com (subject "DMCA Notice") or by mail to our address in Section 17.9. We will respond to valid notices, and we may remove content and terminate the accounts of repeat infringers.

9. Subscriptions, Fees & Billing

9.1 Tiers. The Service is offered in tiers, which may include:

  • Free — limited daily messages, with reduced features;
  • Pro — $29 per month or $249 per year; and
  • Enterprise — $199 per month base (including a stated number of seats) plus $19 per additional seat.

Current pricing, features, and usage limits are described at the point of purchase and may change as provided in Section 9.6. A "Subscription" is any paid or free plan under which you access the Service; an "Enterprise Subscription" is a Subscription on the Enterprise tier. We may also offer add-on subscriptions (such as training/Academy plans) on the pricing and terms presented at the point of purchase; Sections 9.2 through 9.9 apply to add-on subscriptions as well.

9.2 Payment processor. Paid Subscriptions are billed through our third-party payment processor, Stripe. By purchasing a Subscription, you authorize us and Stripe to charge your payment method for all applicable fees. We do not store full payment card numbers; payment information is handled by Stripe under its terms and privacy policy.

9.3 Auto-renewal. Paid Subscriptions renew automatically at the end of each billing period (monthly or annual, as selected) at the then-current price, using your payment method on file, until cancelled. You authorize these recurring charges.

9.4 Cancellation. You may cancel a Subscription at any time, effective at the end of the then-current billing period, through your account settings ("Manage subscription") or by contacting support@aihousers.com (we will confirm and process the cancellation promptly). Cancellation stops future renewals; it does not retroactively change a billing period already in progress, except as required by law or as stated in Section 9.5.

9.5 Refunds. Except as required by applicable law, fees are non-refundable and partial periods are not prorated.

9.6 Price and plan changes. We may change pricing, tiers, features, and usage limits. For changes that affect a recurring Subscription, we will provide reasonable advance notice, and the change will take effect at your next renewal. Your continued use or renewal after the change takes effect constitutes acceptance. If you do not agree, you may cancel before the change takes effect.

9.7 Taxes. Fees are exclusive of taxes. You are responsible for all applicable sales, use, value-added, and similar taxes, excluding taxes based on the Company's net income.

9.8 Usage limits. The Service enforces usage limits (such as daily message limits) that vary by tier. We may meter, rate-limit, or suspend usage that exceeds your tier's limits or that we reasonably believe is abusive or excessive.

9.9 Late or failed payments. If a charge fails or an amount is past due, we may suspend or downgrade your access until the amount is paid.

10. Third-Party Services / Subprocessors

10.1 Subprocessors. We rely on third-party service providers (each a "Subprocessor" and collectively "Subprocessors") to operate the Service. Current Subprocessors include:

  • OpenAI (GPT) — primary large language model for question-answering, drafting, review and summarization across the Service, including vision-based labeling of uploaded blank forms; also image and visual-spec generation in the Visuals studio and text-to-speech for read-aloud and audio overviews;
  • Anthropic (Claude) — alternate/failover large language model for those same purposes, used when the primary model is unavailable or when we route a feature to it;
  • Voyage AI — converts your questions and uploaded documents into search embeddings;
  • Cohere — reranks retrieved passages for search relevance; processes your query and the retrieved passages;
  • ElevenLabs — text-to-speech for the read-aloud feature; processes the text to be spoken only when you use voice features;
  • Recraft — AI image generation for branded graphics and flyers; processes your image prompts only when you use those features;
  • Tavus — AI-generated instructional video for training content;
  • Supabase — database, file storage, and application-data hosting;
  • Vercel — application hosting and privacy-preserving, cookieless analytics;
  • Clerk — authentication;
  • Stripe — payments;
  • Resend — transactional email delivery and receipt of email you forward to the Service; and
  • Sentry — error monitoring and diagnostics.

An up-to-date list of Subprocessors is maintained at the Subprocessors section of our Privacy Policy and controls in the event of any difference from this list. The Privacy Policy references the same list.

10.2 Processing of your Content. To provide the Service, your Content may be transmitted to and processed by these Subprocessors. We seek data-processing terms with our Subprocessors and, where available, commitments that they will not use customer Content to train their models; the current terms and any such commitments are summarized at the Subprocessors section of our Privacy Policy. Subprocessor terms may change, and a Subprocessor's commitments are made by that Subprocessor; except as required by law, the Company is not liable for a Subprocessor's breach of its own commitments beyond the remedies available to the Company in its agreement with that Subprocessor. See the Privacy Policy for more detail.

10.3 Third-party terms. Your use of certain integrated third-party services may also be subject to those third parties' own terms and policies. We are not responsible for third-party services or their acts or omissions, except as expressly stated in a written agreement with you.

11. Disclaimer of Warranties

11.1 "AS IS." TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE AND ALL OUTPUTS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY.

11.2 No specific warranties. WITHOUT LIMITING THE FOREGOING, THE COMPANY DISCLAIMS ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. THE COMPANY DOES NOT WARRANT THAT THE SERVICE OR ANY OUTPUT WILL BE ACCURATE, COMPLETE, CURRENT, RELIABLE, COMPLIANT WITH ANY LAW OR PROGRAM REQUIREMENT, SECURE, UNINTERRUPTED, ERROR-FREE, NON-INFRINGING, OR FIT FOR YOUR PARTICULAR PURPOSE. NO OUTPUT IS "GUARANTEED COMPLIANT" OR A SUBSTITUTE FOR INDEPENDENT VERIFICATION AND QUALIFIED PROFESSIONAL ADVICE.

11.3 Your responsibility. You assume full responsibility for your use of the Service and any Output, including verifying accuracy and currency before relying on or acting on it. Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

12. Limitation of Liability

12.1 Exclusion of certain damages. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS, IN EACH CASE ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, WHETHER IN CONTRACT, TORT, OR OTHERWISE, AND EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

12.2 Reliance on Outputs; regulatory penalties. TO THE MAXIMUM EXTENT PERMITTED BY LAW, AND WITHOUT LIMITING SECTION 12.1, THE COMPANY WILL NOT BE LIABLE FOR ANY REGULATORY OR GOVERNMENTAL FINES OR PENALTIES, OR FOR ANY LOSS, LIABILITY, OR DAMAGE ARISING OUT OF OR RELATING TO YOUR RELIANCE ON, OR USE OF, ANY OUTPUT — INCLUDING ANY INACCURATE, INCOMPLETE, OUTDATED, OR SUPERSEDED OUTPUT OR CITATION. THIS REFLECTS THE PARTIES' AGREEMENT THAT YOU ARE RESPONSIBLE FOR INDEPENDENTLY VERIFYING OUTPUTS BEFORE RELYING ON THEM (SEE SECTION 7).

12.3 Cap on liability. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNTS YOU PAID TO THE COMPANY FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100). THE ONE HUNDRED U.S. DOLLAR ($100) FLOOR APPLIES REGARDLESS OF THE AMOUNT, IF ANY, YOU HAVE PAID, INCLUDING FOR USERS OF THE FREE TIER.

12.4 Carve-outs. Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable law (which may include liability for fraud, gross negligence, or willful misconduct, or certain statutory liabilities). Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

12.5 Basis of the bargain. The disclaimers in Section 11 and the limitations in this Section 12 are a fundamental basis of the bargain between you and the Company and reflect the allocation of risk between the parties.

13. Indemnification

13.1 Your indemnity. To the maximum extent permitted by law, you will defend, indemnify, and hold harmless the Company and its officers, directors, employees, and agents from and against any third-party claims, demands, actions, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

  • (a) your access to or use of the Service;
  • (b) your inputs and your use of, or reliance on, any Output, including any decision or action you take;
  • (c) any third-party, tenant, or applicant data you submit, including any claim that you lacked the rights, authority, or consent to submit or have it processed;
  • (d) your violation of these Terms, the Acceptable Use Policy, or applicable law (including the Fair Housing Act, civil-rights laws, and rules on the unauthorized practice of law); or
  • (e) your violation of the rights of any third party.

13.2 Procedure. We will notify you of any claim subject to indemnification, and you will cooperate with us. We may participate in the defense with our own counsel at our expense, and you will not settle any claim in a way that imposes any obligation or liability on the Company without our prior written consent.

13.3 Company IP indemnity. Except as expressly set out in a separately signed Enterprise agreement, the Company provides no intellectual-property indemnity, and the Service and Outputs are provided without any representation of non-infringement (see Sections 8 and 11).

13.4 Government and public-entity customers. If you are a U.S. federal, state, tribal, or local government entity, or an instrumentality of such an entity that is itself a public body entitled to sovereign or governmental immunity under applicable law (for example, a public housing authority (PHA) or housing finance agency (HFA)), your obligations under this Section 13 apply only to the extent permitted by the laws applicable to you (including any limits on indemnification or on obligating future appropriations). Nothing in this Section requires you to defend, indemnify, or hold harmless the Company beyond what your applicable law allows.

14. Term, Suspension & Termination

14.1 Term. These Terms apply while you access or use the Service and for any period in which you maintain an account or Subscription.

14.2 Termination by you. You may stop using the Service and cancel your Subscription at any time as described in Section 9.

14.3 Suspension or termination by us. We may suspend or terminate your access to the Service, in whole or in part, with or without notice, if we reasonably believe you have violated these Terms or the Acceptable Use Policy, if required by law, to protect the Service or other users, or for non-payment. Where practicable and lawful, we will provide notice.

14.4 Effect of termination. On termination, your right to access the Service ends. Sections that by their nature should survive — including Sections 3, 6.1, 6.2, 6.4, 6.6, 6.7, 7, 8, 9 (as to accrued fees, taxes, and other payment obligations), 10.3, 11, 12, 13, 14.4, 16, and 17, and any other provision that by its nature should survive — survive termination. We may delete your Content following termination in accordance with the Privacy Policy and its data-retention schedule; you are responsible for retaining your own copies of anything you need.

15. Changes to the Service and Terms

15.1 Changes to the Service. As stated in Section 2.3, we may modify, add to, suspend, or discontinue the Service or any part of it at any time.

15.2 Changes to these Terms. We may update these Terms from time to time. If we make material changes, we will provide at least fourteen (14) days' advance notice by email to the address associated with your account or by prominent notice in the Service, and the changes will take effect after that notice period (or, for changes affecting a paid Subscription, as provided in Section 9.6); we may also ask you to affirmatively accept the updated Terms in the Service. Non-material changes (such as clarifications and corrections) are effective when posted. Your continued use of the Service after changes take effect constitutes acceptance. If you do not agree, you must stop using the Service.

16. Governing Law & Dispute Resolution

16.1 Governing law. These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of Colorado, without regard to its conflict-of-laws rules.

16.2 Informal resolution first. Before either party files any claim, that party will first give the other written notice describing the dispute (to legal@aihousers.com, or to the email address associated with your account) and attempt in good faith to resolve the dispute informally for at least thirty (30) days after that notice.

16.3 Venue. The state and federal courts located in Colorado have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the Service, and you and the Company consent to personal jurisdiction and venue in those courts and waive any objection to venue. We do not require arbitration.

16.4 Time to bring claims. To the extent permitted by law, any claim arising out of or relating to the Service or these Terms must be filed within one (1) year after it arises, or it is permanently barred.

16.5 Government and public-entity customers. If you are a U.S. government entity, or an instrumentality of such an entity that is itself a public body entitled to sovereign or governmental immunity under applicable law (for example, a PHA or HFA), Sections 16.1 (governing law) and 16.3 (venue) apply only to the extent permitted by the laws applicable to you; where your law requires that disputes be governed by your own jurisdiction's law or be heard in a particular forum, that requirement controls. Nothing in these Terms waives any sovereign immunity that cannot be waived under applicable law, and the one-year limitation in Section 16.4 applies only to the extent your applicable law permits.

17. General

17.1 Entire agreement. These Terms, together with the Privacy Policy, the Acceptable Use Policy, the Disclaimer, any Data Processing Addendum executed by the parties, and any order or plan terms presented at purchase, are the entire agreement between you and the Company regarding the Service and supersede all prior or contemporaneous agreements on that subject. For Enterprise customers, a separately signed written agreement, if any, controls to the extent it conflicts with these Terms.

17.2 Severability. If any provision of these Terms is held unenforceable, that provision will be limited or severed to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

17.3 Assignment. You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign these Terms, including in connection with a merger, acquisition, reorganization, or sale of assets. These Terms bind and benefit permitted successors and assigns.

17.4 Waiver. Our failure to enforce any provision is not a waiver of our right to do so later. Any waiver must be in writing to be effective.

17.5 Force majeure. The Company is not liable for any delay or failure to perform caused by events beyond its reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, internet or utility failures, governmental action, or failures or changes of third-party services or Subprocessors.

17.6 Relationship of the parties. The parties are independent contractors. These Terms do not create any partnership, joint venture, agency, fiduciary, or employment relationship.

17.7 No third-party beneficiaries. Except as expressly stated (for example, the indemnified parties in Section 13), these Terms do not create any third-party beneficiary rights.

17.8 Export and sanctions compliance. You represent that you are not located in, or a resident of, any country or region subject to comprehensive U.S. sanctions and are not on any U.S. government restricted-party list, and you agree to comply with applicable U.S. export-control and sanctions laws in using the Service.

17.9 Notices. We may provide notices to you by email to the address associated with your account or by posting within the Service. You may provide notices to us at legal@aihousers.com or by mail to Houser Technologies LLC, 1281 E Magnolia St, Unit D #277, Fort Collins, CO 80524.

17.10 Contact. Questions about these Terms may be directed to: