Legal

Terms of Service

Effective date: March 19, 2026

These Terms of Service ("Terms") govern your access to and use of the OpenCredits platform, website, APIs, and related services (collectively, the "Service") operated by OpenCredits ("we," "us," or "our"). By accepting these Terms or by using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

1. Service Description

OpenCredits is a prepaid AI credit platform. We sell AI credits to end users, provide compatible proxy endpoints for AI model requests, and track referral compensation for participating partner applications.

The Service includes the sale of prepaid credits through OpenCredits via embedded Stripe-powered checkout, OpenAI-compatible (/v1/chat/completions) and Anthropic-compatible (/v1/messages) proxy endpoints that route requests to third-party AI providers, a partner program in which participating applications embed our checkout and route AI requests on behalf of their users while potentially earning referral compensation based on credit usage through their application, and a user dashboard where users can view balances, review usage history, and manage API keys.

OpenCredits does not provide AI models directly. All AI model responses are generated by third-party providers, routed through our proxy infrastructure.

2. Eligibility

To access or use the Service, you must be at least 16 years old. By using the Service, you represent and warrant that you satisfy this age requirement, that you have not previously been suspended from or prohibited from using the Service, and that your access to and use of the Service comply with all applicable laws and regulations.

If you are under 18, you may use the Service only with the consent of a parent or legal guardian. If you access or use the Service on behalf of a business or other legal entity, you represent and warrant that you have authority to accept these Terms on its behalf, and both you and that entity agree to be bound by these Terms.

3. Accounts and API Keys

You may access and use the Service without creating an account. In some circumstances, you may choose to provide information such as an email address, but doing so is optional. If you provide information to us, you represent and warrant that it is accurate, complete, and kept current.

The Service supports two categories of accounts: partner accounts and individual accounts. Partner accounts are established for applications, organizations, or other entities that integrate with the Service. Individual accounts may be created when end users interact with the Service, including through partner applications.

An individual account may be associated with the partner account through which the user accesses or uses OpenCredits. We may use that association for purposes including usage tracking, credit allocation, and operation of the Service.

You are solely responsible for maintaining the confidentiality and security of any credentials associated with your use of the Service, including API keys, and you accept responsibility for all activities that occur using those credentials.

We may issue API keys to authenticate requests to the Service. API keys may be tied to your usage or credit balance and may be scoped to particular partner applications. You must not share your API keys with any other person or expose them in publicly accessible client-side code.

We may suspend, restrict, or terminate your access to the Service if we reasonably believe that the Service is being used in violation of these Terms or in a manner that could harm the Service or other users.

4. Credits and Payment

4.1 Purchasing Credits

Access to the Service, or to certain features of the Service, may require you to purchase prepaid credits linked to your account ("Credits"). Credits are sold by OpenCredits at a rate of $1 USD = 100 credits, or the equivalent amount in EUR where offered. Credit purchases are subject to a minimum transaction amount of $5 and a maximum transaction amount of $500. The purchase price includes a platform fee covering infrastructure, payment processing, and operation of the Service. All payments are processed by Stripe. By purchasing Credits, you also agree to Stripe's terms of service.

Partner applications do not sell or distribute Credits. Any Credits purchased through a partner application's checkout flow are sold by OpenCredits, and not by the partner application.

4.2 Credit Deduction

Following each AI request, Credits are deducted based on actual token usage and the pricing applicable to the relevant provider and model. The amount deducted depends on the model used, the number of input and output tokens processed, and any applicable partner referral margin.

Some partner applications may apply a referral commission. Where applicable, that commission is added to the underlying provider cost, and the total deduction for the request equals the provider cost plus the partner commission, each expressed in Credits.

4.3 Minimum Balance

A minimum Credit balance may be required to submit AI requests through the Service. If your available balance is insufficient, the request may be declined with a 402 status code. Subject to Service availability, you may purchase additional Credits through the checkout flow.

4.4 Refunds

Refunds for unused Credits may be requested within twenty-four (24) hours after the applicable transaction is processed. If we do not receive a refund request within that twenty-four (24) hour period, any unused Credits will become non-refundable. If a refund is approved, the amount attributable to unused Credits will be returned to your original payment method; any platform fees are non-refundable. To request a refund, contact us using the email address listed below.

4.5 Credit Expiration

Credits purchased through the Service remain valid for three hundred sixty-five (365) days from the date of purchase, unless otherwise required by applicable law. Any unused Credits remaining after that period may expire and will no longer be available for use. OpenCredits reserves the right to apply and enforce this expiration policy in accordance with these Terms and applicable law.

4.6 Pricing Changes

OpenCredits may change credit pricing or the pricing applicable to particular AI models at any time. Pricing for AI models is influenced by third-party providers and may change without notice. Although we make reasonable efforts to keep pricing information current, we do not guarantee that pricing displayed at the time of purchase or access will remain unchanged for future transactions or requests.

5. Partner Program

Partner applications may integrate OpenCredits to offer AI-enabled features to their users. Partners are not the seller of Credits and do not hold user balances.

Partner accounts may be configured with a commission rate, which is a percentage of the provider cost added to each request and tracked as referral compensation. Partner accounts may also include restrictions on which AI models are made available to users, and may specify a default model for requests in which no model is identified.

Referral compensation is tracked on a per-request basis and paid in accordance with the separate terms agreed between OpenCredits and the applicable partner. Partner payout schedules and payment methods are determined on a partner-by-partner basis.

We reserve the right to modify, suspend, or terminate any partner account at our discretion.

6. AI Proxy and Third-Party Providers

The Service routes AI requests to third-party model providers, including Anthropic, OpenAI, Google, and others, through OpenCredits' upstream routing infrastructure. OpenCredits does not create, control, or guarantee the availability, accuracy, completeness, legality, or appropriateness of any AI model, output, or related service provided by a third-party provider.

By using the Service, you acknowledge and agree that AI-generated outputs are produced by third-party providers and not by OpenCredits; that model availability, features, and pricing may change at any time without notice; that your use of third-party AI models through the Service may also be subject to the applicable provider's terms of service, usage policies, and other governing terms; and that although OpenCredits may sanitize or normalize supported request fields before forwarding a request, the content of your prompts, messages, and other submitted inputs may be transmitted to the relevant provider for processing and response generation.

7. User Content

"User Content" means any prompts, messages, data, files, and other content that you submit to the Service, as well as any AI-generated outputs returned to you through the Service.

As between you and OpenCredits, you retain any rights you may have in the inputs you submit to the Service. Rights in AI-generated outputs, if any, are subject to the terms and policies of the third-party provider that generated the applicable output.

OpenCredits does not store the content of your prompts, messages, or AI-generated outputs. However, OpenCredits may log metadata associated with requests, including the model used, token counts, cost, and request duration, for purposes such as billing, service operation, analytics, fraud prevention, and debugging.

You are solely responsible for your User Content and for your use of any AI-generated output, including ensuring that such content and use comply with applicable law and do not infringe or violate any third-party rights.

8. Use Restrictions

You agree not to use the Service to:

violate any applicable law, regulation, or legal obligation;
violate the acceptable use policies or other governing terms of any AI model provider accessed through the Service;
generate, submit, or transmit content that is illegal, harmful, threatening, abusive, deceptive, defamatory, or that promotes violence;
attempt to gain unauthorized access to the Service, other accounts, or any related systems or networks;
resell, redistribute, sublicense, or otherwise provide access to the Service to any third party without OpenCredits' prior written authorization;
interfere with, disrupt, damage, or impair the Service or its underlying infrastructure;
use the Service for spam, fraud, phishing, deception, or other abusive or misleading activity; or
circumvent or attempt to circumvent any rate limits, balance requirements, technical restrictions, or access controls.

We reserve the right to suspend, restrict, or terminate access to the Service for any violation of this Section, with or without prior notice.

9. Termination

You may stop using the Service at any time. If you wish to terminate your account, you may do so by contacting us at the email address listed below. Termination of your account does not relieve you of any obligation to pay outstanding amounts, if any, incurred prior to termination in connection with your use of the Service.

If you violate these Terms, your right to access and use the Service may terminate automatically, and any unused Credits may be forfeited except where a refund is required by applicable law or expressly approved by OpenCredits.

OpenCredits may, in its sole discretion, suspend or terminate your account or your access to all or part of the Service at any time, with or without notice, for any reason or for no reason, including if we believe you have violated these Terms or if your use of the Service could create risk, harm, or legal exposure for OpenCredits, other users, or third parties.

OpenCredits also reserves the right to modify, suspend, discontinue, or limit the Service, or any feature, model, integration, or functionality of the Service, at any time, temporarily or permanently, with or without notice. To the maximum extent permitted by applicable law, OpenCredits will not be liable to you for any suspension, termination, modification, limitation, or discontinuation of the Service or your access to it.

Upon termination, your right to use the Service will cease immediately. Sections 7, 10, 11, 13, 14, and 15 will survive termination of these Terms.

10. Changes to Terms

OpenCredits may update these Terms from time to time. If we make changes that materially affect your rights or obligations, we will provide at least thirty (30) days' advance notice by email, through the Service, or by another reasonable method. Your continued use of the Service after the effective date of any such changes constitutes your acceptance of the revised Terms.

All other changes will become effective when posted to the Service or otherwise made available to you. You should review these Terms periodically. If you do not agree to any revised Terms, you must stop using the Service.

Any dispute arising under these Terms will be resolved in accordance with the version of the Terms that was in effect at the time the dispute arose.

11. Intellectual Property

OpenCredits owns and operates the Service. The interfaces, layout, design, graphics, compiled content, information, data, software, code, documentation, features, functionality, and other materials made available through the Service (collectively, the "Materials") are protected by intellectual property and other applicable laws.

The Materials are owned by OpenCredits or its third-party licensors. Except as expressly permitted under these Terms or with OpenCredits' prior written consent, you may not copy, reproduce, modify, distribute, license, sell, create derivative works from, publicly display, publicly perform, transmit, or otherwise use the Materials.

Except for the limited rights expressly granted in these Terms, no right, title, or interest in or to the Service or any Materials is transferred to you. You retain any rights you may have in the inputs you submit through the Service, and rights in AI-generated outputs, if any, are subject to the terms and policies of the third-party provider that generated the relevant output.

12. Feedback

If you submit any feedback, suggestions, comments, ideas, or other input regarding the Service ("Feedback"), you grant OpenCredits a non-exclusive, worldwide, royalty-free, perpetual, irrevocable, sublicensable, and transferable right to use, reproduce, modify, adapt, publish, distribute, and otherwise exploit that Feedback for any purpose, without compensation, notice, or attribution to you.

13. Indemnification

You are responsible for your access to and use of the Service, and you agree to defend, indemnify, and hold harmless OpenCredits and its officers, directors, employees, contractors, affiliates, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, and expenses, including reasonable attorneys' fees and legal costs, arising out of or relating to (a) your access to, use of, or misuse of the Service, (b) your violation of these Terms or any applicable law or regulation, (c) your violation of any third-party rights, including intellectual property, privacy, publicity, confidentiality, or other proprietary rights, or (d) any dispute, claim, or issue between you and any third party relating to your use of the Service.

OpenCredits reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and in that event, you agree to cooperate with OpenCredits in the defense of that matter. Your indemnification obligations will not be limited by OpenCredits' assumption of the defense or control of any such claim.

14. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OPENCREDITS DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING, OPENCREDITS DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR CONTINUOUSLY AVAILABLE; THAT ANY AI-GENERATED OUTPUT WILL BE ACCURATE, COMPLETE, RELIABLE, LAWFUL, OR SUITABLE FOR ANY PARTICULAR PURPOSE; THAT CREDITS WILL ALWAYS BE AVAILABLE, USABLE, OR REDEEMABLE; OR THAT ANY SPECIFIC AI MODEL, PROVIDER, FEATURE, OR INTEGRATION WILL REMAIN AVAILABLE AT ANY GIVEN TIME.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM OPENCREDITS, THE SERVICE, OR ANY MATERIALS OR CONTENT MADE AVAILABLE THROUGH THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY SET FORTH IN THESE TERMS. YOU UNDERSTAND AND ACKNOWLEDGE THAT THE SERVICE RELIES ON TECHNOLOGIES, THIRD-PARTY PROVIDERS, AND SYSTEMS WHOSE FUNCTIONALITY, ERROR RATES, FEATURES, AND AVAILABILITY MAY CHANGE OVER TIME.

YOU ASSUME ALL RISK ARISING FROM YOUR ACCESS TO OR USE OF THE SERVICE, YOUR INTERACTIONS WITH ANY OTHER USER OR THIRD PARTY IN CONNECTION WITH THE SERVICE, AND YOUR USE OF ANY MATERIALS, CONTENT, OR OUTPUT MADE AVAILABLE THROUGH THE SERVICE. YOU FURTHER UNDERSTAND AND AGREE THAT ANY USE OF THE SERVICE, OR ANY ACCESS TO, DOWNLOAD OF, OR RELIANCE ON MATERIALS, CONTENT, OR OUTPUT PROVIDED THROUGH THE SERVICE OR ANY RELATED SITE OR SERVICE, IS UNDERTAKEN AT YOUR OWN DISCRETION AND RISK, AND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY, INCLUDING YOUR COMPUTER SYSTEMS, DEVICES, OR DATA, RESULTING FROM SUCH USE, ACCESS, DOWNLOAD, OR RELIANCE.

YOU ALSO UNDERSTAND AND AGREE THAT OPENCREDITS IS NOT RESPONSIBLE FOR THE ACCURACY, COMPLETENESS, QUALITY, LEGALITY, OR RELIABILITY OF ANY OUTPUT YOU RECEIVE THROUGH THE SERVICE, AND OPENCREDITS ASSUMES NO RESPONSIBILITY FOR ANY DECISIONS, ACTIONS, OR OMISSIONS MADE IN RELIANCE ON SUCH OUTPUT, OR FOR ANY CONSEQUENCES RESULTING FROM THEM.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OPENCREDITS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR ACCESS TO, USE OF, INABILITY TO USE, OR RELIANCE ON THE SERVICE, ANY AI-GENERATED OUTPUT, ANY THIRD-PARTY PROVIDER OR MODEL, OR ANY MATERIALS OR CONTENT MADE AVAILABLE THROUGH THE SERVICE, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF OPENCREDITS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF OPENCREDITS FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO OPENCREDITS IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) $100 USD.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES OR LIABILITIES. ACCORDINGLY, SOME OF THE LIMITATIONS SET FORTH IN THIS SECTION MAY NOT APPLY TO YOU TO THE EXTENT PROHIBITED BY APPLICABLE LAW.

16. Governing Law

These Terms are governed by and construed in accordance with the laws of Portugal, without regard to its conflict of laws principles. To the extent permitted by applicable law, any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of Lisbon, Portugal. OpenCredits makes no representation that the Service or any materials made available through the Service are appropriate for use in jurisdictions outside Portugal.

17. Dispute Resolution

If any dispute, claim, or controversy arises out of or relates to these Terms or the Service, you and OpenCredits agree to first seek to resolve the matter informally by written notice sent to the email address listed below. If the dispute is not resolved within thirty (30) days after such notice is given, either party may pursue available remedies in accordance with applicable law.

To the extent permitted by applicable law, all disputes must be brought solely on an individual basis and not as part of any class, collective, consolidated, representative, or private attorney general action.

18. Electronic Communications

By using the Service, you consent to receive communications from OpenCredits electronically, including by email, through the Service, or by other electronic means. These communications may include verification codes, account and transaction notices, updates relating to the Service, and other information concerning your use of the Service. You agree that any notices, agreements, disclosures, and other communications that OpenCredits provides to you electronically satisfy any legal requirement that such communications be in writing.

19. Contact

If you have any questions about these Terms or the Service, you may contact OpenCredits at:

Email: support@opencredits.ai