yoCHAT!

Terms of Use

Last updated: August 3, 2026

Welcome to yoCHAT! These Terms of Use (“Terms”) govern your access to and use of the yoCHAT! service, including our AI assistant delivered over iMessage, SMS, RCS, and related messaging channels, our websites (including yochat.ai), and any related features (collectively, the “Service”). The Service is operated by Multify Inc. (“Multify,” “we,” “us,” or “our”), a company doing business as yoCHAT! for this consumer product.

By texting our number, submitting your phone number on our site, creating an account, or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

1. Who we are

yoCHAT! is a consumer AI assistant product of Multify Inc. References to “yoCHAT!” mean the branded experience; the legal contracting party and operator is Multify Inc. Multify Inc. reserves all rights not expressly granted to you.

2. Eligibility

You must be at least 13 years old (or the minimum age of digital consent in your jurisdiction) to use the Service. If you are under 18, you represent that you have a parent or guardian’s permission. You must have authority to use the phone number you provide and to receive messages on it.

3. The Service

yoCHAT! provides AI-generated replies over messaging. You may interact by text, and where supported by photos, files, or voice notes. Features may change, be limited, or be discontinued at any time. We may impose usage limits, rate limits, or content filters. The Service is provided for personal, non-commercial use unless we agree otherwise in writing.

The Service is not a substitute for professional advice (including medical, legal, financial, or emergency services). Do not rely on the Service for emergencies — contact appropriate emergency services.

4. Messaging, fees, and consent

By providing your mobile number or messaging us, you consent to receive automated and non-automated messages from yoCHAT! / Multify Inc., including setup messages, replies to your questions, reminders you request, and service-related notices. Message frequency varies. Message and data rates may apply from your carrier. Reply STOP to opt out of further messages; reply HELP for help. Opting out may limit or end your ability to use the Service over text.

5. Accounts and your responsibilities

You are responsible for activity on your phone number and account, for keeping access to your device secure, and for the accuracy of information you provide. You agree not to:

6. AI-generated content — important limitations

Responses are generated by artificial intelligence and may be incomplete, inaccurate, outdated, or inappropriate. You are solely responsible for how you use any output. We do not guarantee that outputs will be correct, unique, non-infringing, or fit for any particular purpose. You should independently verify important information before acting on it.

7. Intellectual property

The Service, including software, branding, logos, wordmarks (including “yoCHAT!”), documentation, and design, is owned by Multify Inc. or its licensors and is protected by intellectual property laws. Except for the limited right to use the Service under these Terms, no rights are granted to you. You may not copy, modify, distribute, sell, or create derivative works from our materials without prior written consent.

Subject to these Terms and applicable law, you retain rights in content you submit. You grant Multify Inc. a worldwide, non-exclusive, royalty-free license to host, process, transmit, and use your content as needed to operate, secure, improve, and provide the Service (including generating AI responses).

8. Third-party services

The Service may rely on carriers, messaging platforms (e.g. Apple iMessage / SMS gateways), cloud providers, and AI model providers. We are not responsible for third-party outages, policies, or acts. Your use of third-party platforms remains subject to their terms.

9. Privacy

Our collection and use of personal information is described in our Privacy Policy. By using the Service you acknowledge that processing described there.

10. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, MULTIFY INC. AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT OUTPUTS WILL BE ACCURATE OR RELIABLE.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MULTIFY INC. AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS, WHETHER BASED IN CONTRACT, TORT, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS (US $100). Some jurisdictions do not allow certain limitations; in those cases our liability is limited to the fullest extent permitted.

12. Indemnification

You agree to defend, indemnify, and hold harmless Multify Inc. and its officers, directors, employees, agents, and affiliates from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Service; (b) your content; (c) your violation of these Terms or applicable law; or (d) your infringement of any third-party right.

13. Suspension and termination

We may suspend or terminate your access to the Service at any time, with or without notice, including for violation of these Terms, risk to the Service or other users, legal requirements, or discontinuation of the product. You may stop using the Service at any time (including by replying STOP where applicable). Provisions that by their nature should survive (including ownership, disclaimers, limitations of liability, and indemnity) will survive termination.

14. Changes

We may update these Terms from time to time. We will post the updated Terms on this page and update the “Last updated” date. Continued use after changes become effective constitutes acceptance. If you do not agree, stop using the Service.

15. Governing law and disputes

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-law rules, except where mandatory consumer protections of your place of residence apply. Except where prohibited, you agree that disputes will be resolved in the state or federal courts located in Delaware, and you consent to personal jurisdiction there. YOU AND MULTIFY INC. WAIVE ANY RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION TO THE EXTENT PERMITTED BY LAW.

16. Miscellaneous

These Terms are the entire agreement between you and Multify Inc. regarding the Service and supersede prior agreements on this subject. If any provision is unenforceable, the remainder stays in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. Notices may be provided via the Service, email, or text to the number you use with us.

17. Contact

Questions about these Terms: contact Multify Inc. via the support channels listed on yochat.ai or at the contact information published for Multify Inc. on multify.co.