Terms of Service

1) Definitions

• "Account" means your registered user account.
• "Input" means any content you upload, submit, or otherwise provide to the Service (e.g., scripts, prompts, images, logos, voice recordings, headshots, NMLS info, brand assets).
• "Output" means the generated content produced by the Service (e.g., edited videos, audio, captions, thumbnails, b-roll selections, graphics).
• "Voice & Likeness Data" means any data used to create or animate an audio/visual representation of a person, including voice samples, photos, facial scans, avatar assets, or other biometric-like identifiers.
• "Subscription" means a recurring paid plan.
• "Credits" means prepaid or plan-based units used to generate Output.

2) Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service. If you use the Service on behalf of a company, you represent you have authority to bind that company to these Terms.

3) Accounts and Security

You are responsible for:

• maintaining the confidentiality of your login credentials,
• all activity under your Account,
• providing accurate and current information.

We may suspend or terminate Accounts that we reasonably believe are compromised or used in violation of these Terms.

4) The Service

Mariachi Agent provides tools to generate and/or edit educational marketing content (including mortgage-related content) using automation and AI. We do not guarantee Output accuracy, compliance, approval by any platform, or performance results (e.g., leads, conversions). We may update, change, or discontinue parts of the Service at any time.

5) Voice & Likeness: Required Rights, Consent, and Restrictions

Because the Service may create content that resembles real people, you agree to all of the following:

5.1 You must have rights and consent

You represent and warrant that you have all necessary rights, permissions, releases, and consents to provide any Voice & Likeness Data and to generate Output featuring a person's voice, face, or identity. If you provide someone else's Voice & Likeness Data (including a spouse, coworker, celebrity, or public figure), you must have their written, informed consent for this use.

5.2 No impersonation, deception, or fraud

You may not use the Service to:

• impersonate any person or entity,
• generate deceptive content intended to mislead viewers about identity, endorsement, or authenticity,
• create or distribute content used for scams, misinformation, defamation, harassment, or fraud.

5.3 Disclosure and compliance

You are responsible for ensuring your Output complies with:

• applicable advertising rules and platform policies,
• mortgage marketing and licensing regulations (including disclosures and NMLS requirements if applicable),
• consumer protection laws, and
• any employer/broker compliance policies.

We are not your compliance department. If you need compliance review, you must obtain it independently.

6) Your Content (Input) and License to Operate

You retain ownership of your Input. You grant Full Bars Media, Inc a limited, worldwide, non-exclusive, royalty-free license to host, store, reproduce, process, modify, and use your Input solely to:

• provide and improve the Service,
• generate Output you request,
• prevent abuse,
• enforce these Terms, and
• comply with law.

We do not sell your Input as "your proprietary training data" to other customers. However, we may use aggregated and de-identified data to improve our systems and operations, where permitted by law.

7) Output: Ownership and Your Responsibilities

7.1 Ownership/rights in Output

To the extent permitted by applicable law and subject to your compliance with these Terms, you own the Output generated for you.

7.2 Output similarity

Because AI systems learn patterns, Output may be similar to content generated for other users. Full Bars Media, Inc does not guarantee originality or exclusivity.

7.3 You are responsible for use

You are solely responsible for:

• reviewing Output before publishing,
• verifying factual claims, rates, or legal/compliance statements,
• ensuring required disclosures are included,
• ensuring Output does not violate third-party rights.

8) Prohibited Uses

You may not use the Service to create, upload, or distribute content that:

• violates any law or regulation (including advertising, licensing, or consumer finance laws),
• infringes intellectual property, privacy, or publicity rights,
• is sexually explicit, exploitative, or pornographic,
• promotes hate, harassment, or violence,
• includes malware, phishing, or attempts to compromise systems,
• facilitates wrongdoing, fraud, identity theft, or deceptive marketing,
• is intentionally deceptive about loan terms, approvals, rates, or financial outcomes.

We may remove content, restrict features, or suspend/terminate Accounts for violations.

9) Payment, Subscriptions, Credits, and Taxes

9.1 Fees

You agree to pay all applicable fees for Subscriptions and usage, including Credits. Prices, features, and included usage may change upon notice as described in Section 21.

9.2 Auto-renewal

Subscriptions automatically renew unless canceled before the renewal date. You authorize us (and our payment processor) to charge the payment method on file for recurring fees.

9.3 Credits (12-month expiration; non-transferable)

Credits are:

• non-transferable,
• expire 12 months after purchase or issuance, and
• not redeemable for cash.

9.4 No refunds

All fees are non-refundable and there are no refunds for Subscriptions, unused time, or unused Credits, except where required by law.

9.5 Taxes

You are responsible for all taxes, duties, or levies associated with your purchases, excluding taxes on Full Bars Media, Inc's income.

10) Trials and Promotions (If Offered)

If we offer trials or promotions, additional terms may apply. We may change or end trials/promotions at any time.

11) Third-Party Services

The Service may integrate with third-party services (e.g., voice providers, AI models, hosting, analytics, payment processors, social platforms). Your use of third-party services may be subject to their terms. We are not responsible for third-party services.

12) Copyright Complaints (DMCA)

If you believe content on the Service infringes your copyright, send a notice to:

DMCA Agent: Full Bars Media, Inc
Email: info@fullbarsmedia.com
Address: 2211 N Elston Ave #400, Chicago, IL 60614, USA

Your notice must include required legal elements (identification of the work, allegedly infringing material, contact info, statement of good faith, statement under penalty of perjury, signature). We may remove content and terminate repeat infringers.

13) Privacy

Our handling of personal data is described in the Privacy Policy. If there is a conflict between these Terms and the Privacy Policy, the Privacy Policy controls for privacy matters.

14) Confidentiality (Business Users)

If you are a business user, you agree not to disclose confidential information you access through the Service (including non-public features, pricing, or system behavior), except as required by law.

15) Suspension and Termination

We may suspend or terminate your access immediately if:

• you violate these Terms,
• we believe your use creates risk for us, other users, or the public,
• required to comply with law or a valid request from authorities.

You may stop using the Service at any time. Cancellation stops future billing but does not automatically refund paid fees.

16) Disclaimers

17) Limitation of Liability

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

18) Indemnification

You agree to defend, indemnify, and hold harmless Full Bars Media, Inc and its officers, directors, employees, and contractors from any claims, damages, liabilities, and expenses (including attorneys' fees) arising from:

• your Inputs,
• your Output use, publication, or distribution,
• your alleged violation of law or third-party rights,
• your breach of these Terms.

19) Arbitration and Class Action Waiver (U.S. Only)

PLEASE READ CAREFULLY. This section affects your legal rights.

19.1 Informal resolution

Before filing a claim, you agree to contact us at info@fullbarsmedia.com with a description of the dispute. We'll try to resolve within 30 days.

19.2 Binding arbitration

If unresolved, any dispute arising out of or relating to these Terms or the Service will be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its rules. Arbitration will be conducted in Cook County, Illinois, unless the parties agree otherwise.

19.3 Class action waiver

You and we agree that claims must be brought in an individual capacity, not as a plaintiff or class member in any class, collective, or representative proceeding.

19.4 Exceptions

Either party may seek injunctive relief in court for misuse of intellectual property, fraud, or unauthorized access. If your jurisdiction does not allow arbitration/class waivers, this section may not apply.

20) Governing Law and Venue

These Terms are governed by the laws of the State of Illinois, excluding conflict-of-law rules. If Section 19 does not apply, disputes will be brought in the state or federal courts located in Cook County, Illinois, and you consent to jurisdiction there.

21) Changes to the Terms

We may update these Terms. If changes are material, we will provide notice (e.g., email or in-app). Continued use after the effective date means you accept the updated Terms.

22) Assignment

You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of assets.

23) Severability

If any provision is found unenforceable, the remaining provisions remain in effect.

24) Entire Agreement

These Terms (plus any plan terms, order forms, or policies referenced) are the entire agreement between you and us regarding the Service and supersede prior agreements.

25) Contact

Full Bars Media, Inc
2211 N Elston Ave #400
Chicago, IL 60614, USA

Support: cantante@mariachiagent.com
Legal: info@fullbarsmedia.com