These Terms of Service ("Terms") govern your access to and use of the Swiss Cheese AI web/mobile application and the Swiss Cheese AI MCP connector (together, the "Service"), operated by Gursagar Singh trading as Swiss Cheese AI, ABN 51 863 852 235 ("SCAI", "we", "us"). By creating an account, connecting the MCP connector, or otherwise using the Service, you agree to these Terms. If you do not agree, do not use the Service. These Terms operate alongside our Privacy Policy.

SCAI is a multi-model AI deliberation platform. Prompts you submit are processed by a three-agent "council" (Generator, Evaluator, Integrator) and, depending on the mode you choose, by additional models, to produce a synthesized answer. The Service may also be accessed programmatically through the SCAI MCP connector by MCP-compatible clients such as Anthropic Claude. Features, models, and modes may change over time.

You must be legally capable of entering into a binding agreement to use the Service. If you are under 18, you confirm that a parent or guardian has authorised your use where local law permits. You are responsible for the accuracy of the information you provide and for maintaining the confidentiality of your account credentials and any MCP connector tokens. You are responsible for activity conducted under your account, except to the extent unauthorised activity results from SCAI's own breach of these Terms or failure to exercise reasonable care. Notify us promptly at support@swisscheeseai.com if you suspect unauthorised use. To close your account and request erasure of your remaining personal data, email support@swisscheeseai.com; you can delete individual conversations yourself from the Chat History screen at any time.

The Service uses a prepaid credit balance. Credits can be bought either as one-time credit packs or through a subscription, processed by our payment provider, Stripe, and are consumed as you run debates and use other metered features. Prices, the credit conversion rate, and usage rates are displayed in the app before you purchase or use them; any changes to those rates apply prospectively (to future purchases and usage), never retroactively. For one-time purchases you authorise a single charge to your selected payment method; recurring charges apply only if you choose a subscription, which you can cancel as described in the app. Your Australian Consumer Law rights. Nothing in this section limits rights or remedies you have under the Australian Consumer Law or other mandatory law, including any right to a refund where a consumer guarantee is not met. We do not claim that purchased credits are "non-refundable"; refunds are provided where required by law and are otherwise handled on request via support@swisscheeseai.com.

As between you and SCAI, you retain ownership of the prompts and files you submit ("Input") and, to the extent permitted by law and the applicable model providers' terms, of the output generated for you ("Output"). You grant SCAI a limited licence to host, process and transmit your Input and Output only as necessary to provide, maintain, secure and troubleshoot the Service and to comply with law. To generate answers, your prompts, files, Output and relevant metadata may be transmitted to the third-party model providers named or linked in our Privacy Policy, each of which handles that data under its own terms. SCAI does not use your conversation content to train its own models; we cannot control third-party conduct beyond the contractual API terms described in the Privacy Policy. AI Output may be inaccurate, incomplete, or not unique (similar Output may be generated for other users), and is provided for informational purposes only — it is not legal, financial, medical or other professional advice. You are responsible for evaluating and verifying Output before relying on it. You warrant that you hold the rights and permissions necessary for the Input you submit; this warranty does not shift to you responsibility for loss caused by SCAI's own fault.

If you connect the Service to an MCP client, the connector exposes only seven documented tools — swiss_cheese_debate, get_debate_result, answer_debate_clarification, list_debate_models, scai_visualization, scai_celerity and get_celerity_result — which operate only within your own authenticated, private SCAI state. They do not publish content publicly and do not act on your third-party accounts. You are responsible for the clients you authorise and for keeping your connector token secure; you can rotate or revoke the token at any time from Settings → Connections.

You agree not to use the Service to: (a) violate any law or the rights of others; (b) generate or distribute unlawful, infringing, harmful, or abusive content; (c) attempt to reverse engineer, disrupt, overload, or gain unauthorised access to the Service or its infrastructure; (d) resell or provide the Service to third parties except through features we expressly provide; or (e) circumvent usage limits, credit metering, or security controls.

The Service software, branding, and design remain the property of SCAI and its licensors. Except for the limited licence in section 4, these Terms grant you no rights in SCAI's intellectual property.

The Service relies on third parties, including LLM providers, Stripe for payments, and any MCP client you choose to connect. Your use of those services through SCAI may be subject to their own terms and policies, and we are not responsible for third-party services outside our reasonable control.

Our Service comes with guarantees that cannot be excluded under the Australian Consumer Law (ACL). Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy you have under the ACL or other mandatory law, and to the extent any part of these Terms would do so, it does not apply. Where the Service is not of a kind ordinarily acquired for personal, domestic or household use or consumption, and only to the extent permitted by law and where it is fair and reasonable to do so, our liability for failure to comply with a consumer guarantee (other than certain guarantees that cannot be limited) is limited, at our option, to resupplying the services or paying the cost of having the services resupplied. Otherwise, to the maximum extent permitted by law, the Service is provided "as is", and SCAI is not liable for indirect, incidental, special or consequential loss, or loss of profits, data or goodwill. These limitations do not apply where doing so would be unlawful, unfair or unreasonable, and never limit your non-excludable rights.

You agree to indemnify SCAI against third-party claims to the extent they are caused by your unlawful conduct, intentional misconduct, or material breach of these Terms. This indemnity applies proportionately and does not extend to loss or claims caused by SCAI's own negligence, misconduct, breach of these Terms, or violation of law.

You may stop using the Service and request account closure at any time (section 2). We may suspend or limit access where you materially breach these Terms or where required to protect the Service, other users, or to comply with law. Except in urgent security or legal situations, we will give you notice and a reasonable opportunity to cure before suspending for breach. Where a suspension or termination is not attributable to your breach, any prepaid credits affected will be restored, credited or refunded as appropriate. Provisions that by their nature should survive termination (including sections 4, 9 and 10) will survive.

We may update these Terms from time to time. For changes that are material and adverse to you, we will give at least 30 days' advance notice in-app and, where appropriate, by email, and you may close your account before the change takes effect. We will not rely solely on continued use as your only means of accepting a material adverse change.

These Terms are governed by the laws of New South Wales, Australia, and you submit to the non-exclusive jurisdiction of the courts of New South Wales. This does not deprive you of the protection of any mandatory consumer laws that apply where you reside.

For support, privacy, security or complaints, contact: Gursagar Singh trading as Swiss Cheese AI, ABN 51 863 852 235 www.swisscheeseai.com support@swisscheeseai.com To make a complaint, email support@swisscheeseai.com with the subject line "Complaint", your account email, and a description of the issue and the outcome you are seeking. We will acknowledge your complaint and respond with the outcome of our review as soon as we reasonably can. If you remain dissatisfied about a privacy matter you may escalate to the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au. See also our Privacy Policy.