Terms of Use

Last updated: December 19, 2025

Welcome to SurfMind, operated by SurfMind LLC ("Company", "we", "us", or "our"). These Terms of Use ("Terms") govern your access to and use of our Chrome extension and related services (collectively, the "Services"). By accessing or using the Services, you agree with these Terms.

1. Our Services

Our Services provide AI-powered tools designed to enhance your browsing experience by facilitating seamless interaction with Large Language Models (LLMs) of your choice. This includes enabling context-aware conversations with AI models using website content, providing a unified interface for multiple AI providers, and enhancing productivity through AI-assisted browsing.

SurfMind is available as:

• Chrome browser extension available through the Chrome Web Store
• Backend services for user authentication, subscription management, and token-based AI request routing
• Web platform for account management and support

The Services are designed with privacy-first principles. We do not sell your personal information to third parties and commit to the highest privacy standards. Website content is processed locally in your browser. The Services do not offer compliance with industry-specific regulations (e.g., HIPAA, FISMA) and should not be used where such compliance is required. Please contact us for an enterprise version tailored for industry-specific regulations.

2. Intellectual Property Rights

2.1 Our Content

All software, code, design, trademarks, and other materials provided by us are owned or licensed by SurfMind and are protected by intellectual property laws. We grant you a limited, revocable, non-exclusive license to access and use the Services for lawful purposes in accordance with these Terms.

2.2 AI-Generated Content

Content generated through your interaction with third-party AI providers via our Services is subject to the terms and conditions of those respective AI providers. SurfMind does not claim ownership over content generated by third-party AI services. Your rights to such content are governed by the terms of service of the specific AI provider you choose to use (e.g., OpenAI, Anthropic, Google).

2.3 User Content

You retain ownership of any content you input into the Services. However, you grant us a limited license to process such content as necessary to provide the Services, including facilitating communication with your chosen AI providers.

3. User Inputs and Submissions

You represent and warrant that you have the legal right to use any input you submit to the Services, including website content you choose to share with AI providers. You are solely responsible for ensuring that your use of the Services and any resulting output does not violate applicable laws or the rights of others.

You acknowledge that:

• Content you share with AI providers through our Services is subject to their respective privacy policies and terms of service
• You are responsible for reviewing and complying with the terms of any third-party AI services you use
• SurfMind acts solely as a facilitator and does not control or monitor the content of your interactions with AI providers

By submitting feedback or suggestions about our Services, you grant us a perpetual, royalty-free license to use that feedback for any purpose without compensation.

4. Third-Party AI Services

Our Services facilitate access to third-party AI providers including but not limited to OpenAI, Anthropic (Claude), and Google (Gemini). Your use of these AI services is subject to their respective terms of service and privacy policies:

• OpenAI Terms of Use
• Anthropic Terms of Service
• Google Terms of Service

You are responsible for obtaining and maintaining valid accounts and API access with these providers. SurfMind is not responsible for any disruptions, limitations, or changes to third-party AI services.

5. User Responsibilities and Account Management

When using our Services, you are responsible for:

• Maintaining the confidentiality and security of your account credentials, including your API keys, email and password
• Providing accurate and up-to-date account information
• Managing your subscription and monitoring your token usage
• Ensuring compliance with the rate limits and usage policies of AI providers
• Understanding that your usage is subject to your subscription plan and token balance
• Keeping your browser and the extension updated for optimal security and performance
• Notifying us immediately of any unauthorized access to your account

6. Acceptable Use

You agree not to:

• Use the Services in a manner that violates any applicable law or regulation
• Upload, input, or transmit content that is illegal, harmful, threatening, abusive, defamatory, or infringes on any rights
• Reverse engineer, decompile, disassemble, or attempt to extract source code from the Services
• Use the Services to access or interact with websites or content without proper authorization
• Attempt to circumvent, disable, or interfere with security-related features of the Services
• Use the Services in any manner that could damage, disable, overburden, or impair our systems
• Share, distribute, or misuse API keys or credentials belonging to others

7. Privacy and Data Processing

Our privacy practices are detailed in our Privacy Policy. By using the Services, you acknowledge that:

• When using your own API keys: Your API keys are stored locally in your browser only and sent directly to AI providers. SurfMind does not have access to your keys or conversation content.
• When using SurfMind tokens: We collect account information (email, subscription status) and usage metadata (model, timestamp, token cost) for billing.
• Website content processing occurs locally within your browser.
• We do not sell your personal information to third parties.
• Data you share with AI providers is subject to their respective privacy policies.

8. Disclaimers

The Services are provided "as is" and "as available" without warranties of any kind. We specifically disclaim:

• Any guarantee of accuracy, completeness, or reliability of AI-generated content
• Continuous, uninterrupted, or error-free operation of the Services
• Compatibility with all websites, browsers, or systems
• The availability, performance, or terms of third-party AI services

Content generated by AI services is for informational purposes only and is not a substitute for professional advice. You are solely responsible for verifying the accuracy and appropriateness of any AI-generated output and for compliance with applicable laws and regulations.

9. Limitation of Liability

To the fullest extent permitted by applicable law, SurfMind and its affiliates, officers, employees, agents, partners, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, data, use, goodwill, or other intangible losses
• Damages resulting from your use or inability to use the Services
• Damages resulting from any third-party AI service disruptions or changes
• Costs associated with third-party AI service usage
• Unauthorized access to or alteration of your transmissions or data

10. Indemnification

You agree to indemnify, defend, and hold harmless SurfMind and its affiliates from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including attorney's fees) arising from:

• Your use of the Services in violation of these Terms
• Your violation of any applicable law or regulation
• Your violation of any rights of another party
• Your use of third-party AI services through our platform

11. Subscription Plans, Billing, and Refund Policy

11.1 Subscription Plans

SurfMind offers the following service tiers:

• Free Tier: New users receive a one-time allocation of complimentary credits upon account creation. These free credits do not expire and can be used until depleted. However, we reserve the right to modify, reduce, or revoke free credits at any time, at our sole discretion, without prior notice or liability. Free credits have no cash value and cannot be transferred, sold, or exchanged.
• Paid Subscriptions: Premium subscription plans provide monthly token allocations and access to additional features. Current pricing, features, and token allocations are available on our pricing page and may be updated from time to time.

11.2 Payment Terms

For paid subscriptions:

• Payment is processed through our third-party payment processor. By subscribing, you agree to their terms of service.
• Subscriptions automatically renew at the end of each billing cycle unless cancelled before the renewal date.
• You authorize us to charge your payment method on file for all applicable fees.
• If payment fails, we may suspend access to premium features until payment is received. Repeated payment failures may result in subscription cancellation.
• We may change subscription pricing with at least 30 days' notice before your next billing cycle. Continued use after the price change takes effect constitutes acceptance of the new pricing.
• All prices are exclusive of applicable taxes, which will be added where required by law.

11.3 Cancellation

You may cancel your subscription at any time through your account settings or by contacting our support team. Upon cancellation:

• Your subscription will remain active until the end of your current billing cycle.
• You will retain access to premium features until the billing cycle concludes.
• Your subscription will not renew, and you will revert to the Free Tier (if available) or lose access to the Services.
• Any unused subscription tokens will expire at the end of the billing period and cannot be transferred or refunded.

11.4 Refund Policy

All paid subscriptions to SurfMind are final and non-refundable. By purchasing a subscription, you acknowledge and agree that no refunds will be provided for any reason, including but not limited to dissatisfaction with the Services, unused portions of your subscription period, or early cancellation.

Exceptions may apply where required by applicable law, including:

• Unauthorized or fraudulent charges on your account
• Technical failures on our part that prevent access to the Services for an extended period
• Consumer protection rights mandated by your jurisdiction

If you believe you are entitled to a refund under any of these exceptions, please contact our support team with details of your request. All refund requests are subject to our review and approval.

11.5 Token Usage and Fair Use

Tokens are the unit of measurement for AI service usage within SurfMind. Token consumption varies based on the AI model used, input length, and output length. You are responsible for monitoring your token balance and usage. We reserve the right to implement fair use policies and rate limits to ensure service quality for all users.

12. Termination

We reserve the right to suspend or terminate your access to the Services at our sole discretion, with or without notice, for any reason, including but not limited to:

• Violation of these Terms
• Suspected fraudulent, abusive, or illegal activity
• Extended periods of inactivity
• Technical or security reasons

Upon termination, your right to use the Services will cease immediately. Provisions that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

13. Changes to Terms

We may modify these Terms from time to time. When we make changes, we will:

• Post the updated Terms on our website
• Update the "Last updated" date
• Provide notice of material changes through the extension or other reasonable means

Your continued use of the Services after the effective date of any changes constitutes your acceptance of the updated Terms. If you do not agree to the modified Terms, you must stop using the Services.

14. Governing Law and Dispute Resolution

SurfMind LLC is a Delaware limited liability company. These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

Any disputes arising from or relating to these Terms or the Services shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules, except that either party may seek injunctive relief in any court of competent jurisdiction to protect intellectual property rights or confidential information.

The arbitration shall be conducted in Dover, Delaware, or via remote proceedings as agreed by the parties. The arbitrator's decision shall be final and binding, and judgment may be entered upon it in any court having jurisdiction.

15. General Provisions

These Terms constitute the entire agreement between you and SurfMind regarding the Services. If any provision of these Terms is found to be unenforceable, the remainder shall remain in full force and effect. Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

16. Contact Us

If you have any questions, concerns, or requests regarding these Terms, please contact us:

Email: wave@surfmind.ai

Subject Line for Terms Inquiries: "Terms of Use Inquiry"