Crew Terms of Service

DRAFT — not legal advice. Must be reviewed by a qualified Ghanaian lawyer before use with real customers or payments, and by a US lawyer before the planned Wyoming company takes over.

• Document: terms-of-service
• Version: 1.0
• Effective date: 2026-11-13

Summary in plain language

Crew builds websites and apps for you when you talk or type. You must be 18, or have a parent or guardian agree for you. You pay with credits. Credits you buy never expire. We refund credits when a failure was ours, and unused credits you bought in the last 14 days if you ask. You own what Crew builds. Check it before you rely on it, because AI makes mistakes. Crew is run from Ghana today, so Ghana's law applies, but you keep the rights the law where you live gives you.

1. Who we are and what these terms cover

These terms are an agreement between you and the person or company that runs Crew ("Crew", "we", "us"). Who that is, and which law applies, follows the business behind Crew.

1.1 Today

Crew is run by [OWNER FULL LEGAL NAME], an individual operating from Ghana [BUSINESS NAME REGISTRATION, IF ANY], [ADDRESS IN GHANA]. There is no Crew company yet.

1.2 When the company is formed

The owner plans to form a US company, [CREW LLC], a Wyoming limited liability company, around the end of December 2026. Planned: this company does not exist yet. Its name, filing number and address are filled in only once it is formed.

When it is formed:

• we will tell you in the app at least 30 days before the company takes over Crew;
• the company takes over these terms, your account, your credits and your projects. Your credits, refunds and rights stay the same;
• we publish a new version of these terms that names the company, and ask you to accept it, as section 17 says;
• the law and dispute rules in section 15 change only with that new version.

Lawyer question (Ghana): is this transfer clause enough to move existing customers and their prepaid credits from an individual to a US company? Lawyer question (US): what must the company do on taking over (state registration where it sells, tax, the payment provider's merchant account)?

1.3 What the service is

These terms cover the Crew app on Android and iOS, the Crew website, and the sites and apps we host for you. Together we call these "the service".

Two other documents are part of these terms:

• the Acceptable Use Policy, which says what you may not build or do;
• the Privacy Policy, which says how we handle your personal data.

If your app collects personal data from its own users, the Data Processing Agreement also applies.

You accept these terms when you switch on the agreement in the app and choose Continue. Until you do, Crew does not save anything you send. If you do not agree, do not use the service.

2. Accounts and eligibility

• You must be at least 18 years old.
• If you are under 18, a parent or legal guardian must accept these terms for you and is responsible for your use. No one under 13 may use Crew, even with a guardian, or under the higher age the law sets where you live. Lawyer question: is guardian acceptance workable in Ghana and in each market below, or should Crew be 18+ only?
• You may not use Crew where the law forbids it, including under sanctions or export rules that apply to us. Lawyer question (US): which sanctions and export rules apply once the Wyoming company runs Crew?
• You sign in with a Google account through Firebase, or another sign-in method we offer. Keep your sign-in secure. You are responsible for what happens in your account.
• Give us true information. One person may hold one free trial.
• If you use Crew for a business, you confirm you may bind that business to these terms.
• You may invite other people to a project, once that is offered. You are responsible for what you let them do.

3. The service

Crew is a team of AI agents directed by trusted software. You describe what you want by voice or text. Crew plans, designs, writes, tests and publishes a website or app for you.

• Crew uses AI models from other companies. See section 13.
• Crew shows you its progress and asks you questions when it needs a decision.
• A version is published only when our automatic checks pass. Passing checks does not mean the result is free of errors. See section 9.
• We may change, add or remove features. We will tell you in advance about changes that reduce what you paid for.

3.1 Talking it through before a build

Planned: the discovery conversation below is being built. Today, a request you send can start a build at once, and Crew asks first only when something important is missing.

• Before a new project or a bigger change, Crew asks a few questions, one at a time, and writes a plan.
• Crew shows a quote as an estimate band, for example "about 40 to 60 credits". The band comes from our pricing rules, never from an AI's guess.
• We never charge more than the top of the band without asking you again. If the work needs more, Crew stops and asks.
• A build starts only when you say "Build it" or tap the button, or say "just build it".
• Crew may show a sketch of the plan. A sketch is a drawing, not the product. It is not built, tested or published, and costs nothing.

3.2 Voice

• You can talk to Crew by holding to record a voice note. It is turned into text, and the recording is then discarded.
• Crew's replies can be read aloud by your phone's own voice, or by a natural voice we create with a provider.
• Optional natural voice calls run through a provider and are not recorded.

The Privacy Policy, section 2.3, has the details.

3.3 What Crew remembers

• Crew keeps your messages, its replies, your answers to its questions, and the decisions and plan for each project, so it can carry on where you left off.
• Crew keeps your own words as the source of each decision. It never records something it suggested as your choice unless you said yes.
• In the app, "What Crew remembers" (in Settings) shows your messages and lets you forget any of them. You can also say or type "forget that", or use Forget on a message. Settings also has a download of all your data.

3.4 Your code in GitHub

Planned: being built. This applies from the first project stored this way.

• Crew keeps each project's code, with its history, in its own private repository on GitHub, in Crew's organisation crewapps-projects. You do not need a GitHub account.
• Only Crew's own trusted software writes to it. The AI agents never get access to GitHub.
• The repository holds the code, the project's plan and decisions (which can include your words), and its tests.
• It stays private unless you ask otherwise.
• Deleting a project or your account deletes its repository.

3.5 Live sites

• When you publish, your site goes live at its own address, such as name.crewapps.site.
• Before publishing, our checks refuse pages that imitate a brand or ask for passwords, PINs or card details. Every live site links "Report this site" and "Privacy".
• We may take a live site down under section 10 or the Acceptable Use Policy.

4. Credits and plans

4.1 Credits

• Work in Crew is paid for with credits.
• Planned: buying credits is being built. You buy credits through Paystack, by card or mobile money, in the currency shown at checkout (Ghana cedis today). We never see or store your card number.
• Credits you buy never expire.
• Free credits, such as a monthly allowance, a trial or a promotion, can expire or reset. The app shows when.
• Credits are not money. You cannot exchange them for cash, except for the refunds below. You cannot transfer or sell them.
• We may change the price of credit packs in the future, with notice. A price change never reduces the value of credits you already bought.
• To prevent fraud, there is a daily limit on purchases. The app tells you if you reach it.

Lawyer question: are prepaid credits "electronic money" or stored value under the payment laws of Ghana or any market we sell in?

4.2 When credits are refunded

• Failures we cause are never charged. If a build fails because of our platform, our software or a model error, the credits go back to you, with a receipt.
• If a delivered result clearly does not do what the approved plan described, you can ask for credit back. A person at Crew decides.
• 14-day refund: you can ask for a cash refund of unused credits you bought in the last 14 days. After 14 days, bought credits are not refunded in cash. They stay in your account and never expire.
• Otherwise, credits you spent are not refundable. This includes work you cancel part-way and work that stopped because your request broke the Acceptable Use Policy.
• Refunds go back through Paystack to the way you paid, where Paystack allows it.
• Section 16 may give you more rights where you live.

4.3 Chargebacks and reversed payments

• If a payment is refunded, reversed or disputed with your bank, we take back the credits it bought.
• If you have already spent them, we never make your balance negative for it. Your next purchase repays them first.
• If the dispute is decided in our favour, we give the credits back.
• Please talk to us before you dispute a payment. We can usually fix it faster.

4.4 Plans

Planned: plans are not sold yet. When they are, these rules apply, and the plans screen shows what each includes and costs.

• Plans are optional. You can always pay as you go.
• Annual plans give you their credits month by month.
• Rollover: unused plan credits roll over for one month.
• Cancelling: you can cancel at any time in the app. Cancelling stops the next renewal. Credits you already received stay usable until the end of the paid period plus the rollover month. Credits you bought separately are not affected.
• Cards renew automatically. Mobile money renews after a reminder three days before.

4.5 Taxes

Prices include or exclude taxes as the app shows at checkout. Lawyer question: which taxes Crew must charge in Ghana and in each market it sells to, and whether prices shown must include them.

5. Hosting, and what happens at zero credits

Planned: hosting is not charged yet. When it is, these rules apply. The rule for apps with a database is still being designed.

When you publish, we host your site or app. Hosting uses credits each month.

If your balance reaches zero while something is live:

• hosting fees keep adding up as a negative balance, up to one month's fee;
• we remind you on days 0, 3, 7, 14, 21 and 28;
• after 30 days, a static site stays online with a "hosting overdue" note. An app with a database is limited: paused behind a "your data is safe" page, or set to read-only;
• your next top-up pays the negative balance first.

When you have no credits left, new builds wait until you buy more or your allowance renews.

We never delete your project because you ran out of credits. We keep your data for at least 12 months. We delete it only with your clear agreement, or after 30 days' notice to you.

6. Who owns what

6.1 What you own

• You own your project. That includes your requests, your content, the code and files Crew generates for you, and your app's data. To the extent we have any rights in the generated code, we assign them to you once it is generated.
• You can get a copy of your code and your app's data: "Download my data" in the app's Settings gives you every version of your code and everything Crew keeps about you.
• Some parts of a build are open-source libraries or templates. They stay under their own licences. You must follow those licences.

Lawyer question: who owns AI-generated code in Ghana, the US and the EU? Our assignment covers whatever rights we hold, but may not create copyright where the law gives none.

6.2 What you let us do

You give Crew a limited, worldwide, non-exclusive, royalty-free licence to host, copy, process, transmit and display your content only to run the service for you. This includes:

• sending your requests to AI models so they can do the work;
• storing your project, including in its GitHub repository, and building, testing and publishing it where you ask;
• keeping backups and records the law or security requires.

This licence ends when you delete the content or your account, except for backups that expire on their normal schedule and records we must keep by law.

We do not use your content to train AI models. Our AI providers' commercial terms say they do not train on it either. Assumption: this matches each provider's terms at launch. Check before launch.

6.3 What we own

We own Crew itself: the app, our software, our brand and our templates. These terms do not give you rights in them, except to use the service.

6.4 Feedback

If you send us ideas or feedback, we may use them without paying you.

7. Acceptable use

You must follow the Acceptable Use Policy. In short: nothing illegal, no scams, no impersonation or fake brands, no malware, no spam, no hate or harassment, and security testing only on your own apps.

8. Your responsibilities for your app and your business

• You are responsible for your app, its content, and how you run your business with it.
• If your app collects personal data, you are its data controller. That means you decide what is collected and why, and you must follow the data protection law where you and your users are. You must give your users a privacy notice. We provide a template.
• You must get any licence or permit your business needs, and follow the laws that apply to it, such as consumer, tax, health, food or financial rules.
• If you take payments in your app, you use your own payment account and its terms. Crew never holds your customers' money.

9. AI output: please check it

• Crew's work is generated by AI. It may contain errors, security weaknesses, or text that is wrong or out of date, even after our checks pass.
• Review what Crew builds before you rely on it, publish it, or let others use it.
• Crew does not give legal, financial, medical or tax advice. Anything that sounds like advice is not.
• You decide whether the result is fit for your purpose.

10. Suspension and termination

10.1 By you

You can stop using Crew and delete your account at any time.

• Deleting your account takes your live sites offline and deletes your projects, their repositories and your data, as the Privacy Policy says.
• You can undo a deletion for 7 days. After that, it cannot be undone.
• Download anything you want to keep first. Refunds follow section 4.

10.2 By us

We may limit, suspend or end your account or a project if:

• you seriously or repeatedly break these terms or the Acceptable Use Policy;
• a payment is reversed or charged back and not settled;
• the law, a court or a regulator requires it;
• your app puts other people, our service or our providers at risk.

We will tell you why and give you a chance to fix it first, unless the risk or the law means we must act at once. You can ask a person to review the decision. If we end your account without a fault on your side, we refund unused bought credits. You can get your code and data for at least 30 days after we end your account, unless the law stops us.

11. Availability

• We work to keep Crew running, but we do not promise any level of uptime unless your plan includes a written service level agreement. No plan includes one yet.
• We may pause the service for maintenance, security or reasons outside our control. We will tell you in advance when we can.
• Our providers can have outages. See section 13.

12. Warranties, liability and indemnity

12.1 No warranty

The service is provided "as is" and "as available". As far as the law allows, we give no warranties, written or implied, including that the service is fit for a particular purpose, error-free or uninterrupted. Some laws do not allow these exclusions. Then they apply only as far as the law allows.

12.2 Limits on our liability

As far as the law allows:

• our total liability to you is capped at the fees you paid us in the 12 months before the event that caused the claim;
• we are not liable for indirect or consequential loss, such as lost profit, lost business, lost data you could have exported, or damage to reputation.

These limits do not apply to liability that the law does not allow us to limit, such as for fraud, or for death or injury caused by our negligence. Section 16 may give you more protection where you live.

Lawyer question: are this cap and these exclusions enforceable against consumers in Ghana, and later under Wyoming law?

12.3 Your indemnity

If you use Crew for a business, and someone makes a claim against Crew because of your content, your app, your business, or your breach of these terms or the law, you will cover our reasonable losses and costs. This includes claims by your app's users. We will tell you promptly about the claim and let you help defend it. Lawyer question: should the indemnity apply to consumers at all?

13. Other companies we rely on

Crew relies on other companies to run the service, such as Cloudflare (servers and hosting), Neon (database), Anthropic (AI models), ElevenLabs (voice), GitHub (code storage), Paystack (payments) and Google Firebase (sign-in and notifications). The Privacy Policy, section 4, lists every one, what it does and where.

Google Play and the Apple App Store distribute the Crew app under their own terms.

We choose these providers with care. We are not responsible for their own services beyond what the law requires.

14. Store deployment add-on

Planned: not offered yet.

If you ask Crew to publish your app to Google Play or the Apple App Store:

• you need your own developer account with that store, and you accept its terms and fees;
• you are the publisher. Your name appears on the listing;
• you give Crew permission to upload builds and listing details for you, using access you grant and can remove;
• the stores decide whether to accept your app. We cannot promise approval or a date;
• the add-on is charged in credits, as the app shows before you confirm.

15. Governing law and disputes

If you have a problem, contact us first (section 18). We will try to solve it within 30 days.

15.1 While Crew is run from Ghana (in force now)

• These terms are governed by the laws of the Republic of Ghana.
• If we cannot solve a problem together, either of us may refer it to mediation, then arbitration, under the Alternative Dispute Resolution Act, 2010 (Act 798), or take it to the courts of Ghana.
• Section 16 always applies on top of this.

Lawyer question (Ghana): mediation first, then arbitration, or the courts? Which seat and institution? Is offering both routes clear enough to be enforceable?

15.2 After the Wyoming company takes over (drafting alternative, not in force)

This text is for the lawyers to choose or change. It takes effect only in a new version of these terms, after the company exists and you have been told under section 1.2.

• These terms would be governed by the laws of the State of Wyoming and the United States, without regard to conflict-of-law rules.
• Arbitration: a dispute we cannot solve together would go to binding individual arbitration under the American Arbitration Association's Consumer Arbitration Rules, held online or by phone where possible. We would pay the filing and arbitrator fees above what a court would charge you.
• Carve-outs: either of us could still use a small-claims court for a claim it accepts; either of us could ask a court to stop misuse of intellectual property or a security attack; and a dispute about these carve-outs goes to the courts of Wyoming.
• No class actions: claims would be brought individually, not as a class, where the law allows.
• Opt-out: you could opt out of arbitration by writing to us within 30 days of first accepting that version.
• None of this would apply to consumers in the EU, the UK, or anywhere else the law gives a right to go to the local courts.

Lawyer question (US): AAA or JAMS, mass-arbitration rules, the opt-out window, the fee promise, and whether Wyoming or Delaware law suits Crew better.

16. If you live in…

The law where you live may give you rights these terms cannot remove. Nothing in these terms takes them away. Here is a short guide. Each part below is a draft for the lawyers to check.

16.1 The European Union, the EEA or the United Kingdom

• If you use Crew as a consumer, you keep the protection of the mandatory consumer law of the country you live in, and you may bring a claim in its courts.
• Withdrawal: you may withdraw from a purchase of credits within 14 days without giving a reason. Our 14-day refund of unused bought credits (section 4.2) gives you this. If you ask Crew to start work during those 14 days, you agree that you lose the right to withdraw for the part of the service already done, and you pay only for what was used. Lawyer question: must the checkout ask for this request and acknowledgement in so many words? It does not yet.
• Your legal rights about faulty digital content and services, under EU and UK consumer law, are not limited by section 12.
• The limits in section 12 apply only as far as your law allows.
• Section 15.2 does not apply to you.

16.2 The United States, including California

• Section 15.2 would apply only once it is in force.
• California: you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs, 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or call (800) 952-5210. Lawyer question: confirm this notice and the automatic-renewal rules before plans are sold.
• Your privacy rights are in the Privacy Policy, section 9.

16.3 Nigeria, Kenya and South Africa

• You keep the rights your country's consumer protection law gives you, such as Nigeria's Federal Competition and Consumer Protection Act, 2018, Kenya's Consumer Protection Act, 2012, and South Africa's Consumer Protection Act, 2008.
• South Africa: under the Electronic Communications and Transactions Act, 2002, you may cancel a purchase within 7 days without reason. Our 14-day refund of unused bought credits covers this.
• Lawyer question: what else must these terms say for each country, such as South Africa's required seller information?

16.4 Ghana

• Crew is run from Ghana today, so Ghana's law applies to these terms (section 15.1), including the Electronic Transactions Act, 2008 (Act 772).
• Lawyer question: does Act 772 or another Ghanaian law give consumers a cooling-off right or limit section 12?

17. Changes to these terms

• We may update these terms. Each version has a number and an effective date.
• For a change that matters (a "material" change), we tell you in the app at least 14 days before it takes effect, and ask you to accept again. We say what changed in plain words.
• Small fixes, such as typos, may take effect at once and do not need you to accept again.
• If you do not accept a material change, you can stop using Crew before it takes effect. You keep the refund rights in section 4.

18. General and contact

• If a court finds part of these terms unenforceable, the rest still applies.
• If we do not enforce a right at once, we do not give it up.
• You may not transfer these terms to someone else without our consent. We may transfer them to a company that takes over Crew, including the company in section 1.2, and we will tell you first.
• These terms, with the documents they name, are the whole agreement between us about the service.
• We agree these terms electronically. We keep a record of the version you accepted and when.

Contact us:

• Email: [legal@crew domain]
• Post: [ADDRESS IN GHANA]
• In the app: Account, then Legal and help.

We aim to answer within 5 working days.