Terms of Service

Armour Consortium AI - Cart Recovery API
Effective Date: December 2025 | Last Updated: December 2025

1. Agreement Overview

These Terms of Service ("Terms") govern your use of the Armour Cart Recovery API and related services provided by Armour Consortium AI ("we", "us", "Armour").

By using our API or services, you agree to these Terms. If you do not agree, do not use our services.

2. Services Provided

2.1 Cart Recovery API

We provide an AI-powered API that generates personalised cart recovery content including:

Email messages (HTML and plain text)
SMS messages (UK, EU and USA compliant, ≤160 characters)
WhatsApp messages (standard and cinema mode)
Conversion predictions and analytics

2.2 Human Subscription Products

Subscription tiers and pricing are listed at armourconsortium.ai. Current offerings include custom integration packages.

2.3 x402 Agentic API

API access for autonomous AI agents via USDC micropayments on Base network.

3. Roles and Responsibilities

3.1 You (The Merchant/Controller)

You are the Data Controller and are responsible for:

Obtaining appropriate consent from your customers
Accurately setting consent flags (accepts_sms_marketing, accepts_email_marketing)
Transmitting generated content to customers
Honouring opt-out requests within 10 business days
Complying with all applicable laws (GDPR, PECR, CAN-SPAM, TCPA, CCPA)

3.2 Us (The Processor/Generator)

We are the Data Processor and are responsible for:

Generating high-quality recovery content
Processing data only as instructed via API parameters
Maintaining security measures
Not storing personal data beyond transient processing

We do not send any communications. All transmission is your responsibility.

4. Acceptable Use

You agree to:

Legal Compliance: Use the API only for lawful purposes
Accurate Data: Submit accurate consent flags and customer data
No Abuse: Not attempt to circumvent rate limits or security measures
No Spam: Not use generated content for unsolicited spam
Respect Opt-Outs: Honour customer unsubscribe requests immediately

You agree NOT to:

Use the API for illegal purposes
Submit fraudulent or fabricated data
Attempt to reverse-engineer our AI systems
Resell API access without authorisation
Use content to harass or deceive consumers

5. Pricing and Payment

5.1 x402 API Pricing

Tier	Calls	Price
Free	0 - 30,000	$0.00 per call
Flat	30,001 - 180,000	$0.09 per call
Dynamic	180,001+	$0.09 (<£2k cart) / $0.19 (≥£2k cart)

Payment is via USDC on Base network through the x402 protocol.

5.2 Subscription Pricing

Subscription tiers and pricing are listed at armourconsortium.ai. Current offerings include custom integration packages.

Billed monthly via Stripe. Cancel anytime.

5.3 Refunds

x402 API: No refunds on completed transactions
Subscriptions: Prorated refunds available within 14 days of billing

6. Guarantees (Subscription Products)

6.1 Graduated Growth Guard

30-day results or extended support free. Cancel anytime without penalty.

6.2 Protective Payment Plan

Month-to-month billing. No long-term contracts required.

7. Data Processing Agreement

Use of the API incorporates our Data Processing Agreement by reference. By using the API, you agree to the DPA terms.

8. Intellectual Property

8.1 Our IP

We retain all rights to:

The API and underlying technology
Our AI models and algorithms
The "Armour Consortium" name and branding
Documentation and marketing materials

8.2 Generated Content

Content generated via the API is licensed to you for use in cart recovery communications. You may not:

Claim the AI technology as your own
Use generated content for training competing AI systems
Redistribute generated content outside your business operations

9. Liability Limitations

9.1 No Warranty

The API is provided "as is" without warranties of any kind. We do not guarantee:

Specific recovery rates (37.4% is a verified average using optimal channel distribution and message timing, not guaranteed)
Uninterrupted service availability
Content suitability for all jurisdictions

9.2 Liability Cap

Our total liability is limited to:

x402 API: Fees paid in the 12 months preceding the claim
Subscriptions: Three months of subscription fees

9.3 Exclusions

We are not liable for:

Your misuse of generated content
Customer complaints arising from your transmissions
Regulatory fines resulting from your non-compliance
Indirect, consequential, or punitive damages

10. Indemnification

You agree to indemnify and hold harmless Armour Consortium AI from claims arising from:

Your use of the API
Your transmission of generated content
Your violation of these Terms
Your violation of any applicable law
Customer complaints or regulatory actions

11. Compliance Responsibility

11.1 UK/EU (GDPR, PECR)

You are responsible for:

Valid lawful basis for processing
Honouring data subject rights
Maintaining required records

11.2 USA (TCPA, CAN-SPAM, CCPA)

You are responsible for:

Obtaining prior express written consent for SMS
Including unsubscribe mechanisms in emails
Maintaining suppression lists
Honouring opt-out requests within 10 days

See US Compliance Guide for details.

12. Service Level

12.1 Uptime Target

We target 99.9% uptime. Scheduled maintenance will be announced in advance.

12.2 Response Time

API average: ~10.5 seconds
Quote endpoint: <50ms

12.3 Rate Limits

220 requests per minute (global usage). Exceeding limits returns 429 with Retry-After header.

13. Termination

13.1 By You

You may stop using the API at any time. Subscription cancellations take effect at billing period end.

13.2 By Us

We may terminate access if you:

Violate these Terms
Use the API for illegal purposes
Fail to pay for services
Engage in abuse or fraud

13.3 Effect of Termination

Upon termination:

API access revoked immediately
No data to delete (transient processing)
Outstanding payments remain due

14. Dispute Resolution

14.1 Informal Resolution

14.2 Governing Law

UK Users: Laws of England and Wales
EU Users: Laws of the user's member state
Other Users: Laws of England and Wales

14.3 Jurisdiction

Courts of England and Wales have exclusive jurisdiction, except where local consumer protection laws require otherwise.

15. Changes to Terms

We may update these Terms periodically. Material changes will be notified via:

Website announcement
Email to registered users (subscriptions)

Continued use after changes constitutes acceptance.

16. Severability

If any provision is found unenforceable, the remainder of these Terms remains in effect.

17. Entire Agreement

These Terms, together with the DPA and Privacy Policy, constitute the entire agreement between you and Armour Consortium AI.

18. Contact

Armour Consortium AI
Email: hello@armourconsortium.ai
Website: https://armourconsortium.ai

By using our services, you acknowledge that you have read, understood, and agree to these Terms of Service.