Terms of Service

Last updated: Jun 4, 2026

Terms of Service CMEX.AI

Effective Date: June 6, 2026 Last Updated: June 18, 2026

1. General Provisions

1.1. The CMEX.AI Platform is a software product developed and technically maintained by LLP AIT Factory (Republic of Kazakhstan) under contract with FunnyMoney Media Inc. All rights to the commercial exploitation of the Platform, settlements with users, service management, and provision of services through the Platform are carried out by FunnyMoney Media Inc., unless expressly stated otherwise in the relevant documents or agreements.

1.2. These Terms constitute a public offer addressed to an unlimited number of persons. By accessing the cmex.ai website and related services (the "Platform"), registering an account, or using any Platform functionality, you unconditionally accept these Terms and confirm that you have read, understood, and agree to comply with them in full.

1.3. If you do not agree with any provision of these Terms — do not use the Platform.

1.4. This Agreement is governed by the laws of the State of Delaware, United States (see Section 15).

2. Description of the Platform

2.1. CMEX.AI is an online service providing technological capabilities for creating personalized video content using artificial intelligence algorithms, including face-swap functionality applied to video templates available on the Platform.

2.1.1. The development, technical maintenance, modernization of the software and individual components of the CMEX.AI Platform are carried out by LLP AIT Factory under contract with FunnyMoney Media Inc. pursuant to a separate software development and maintenance agreement.

2.2. The Platform supports two participation roles:

User — an individual who uses video templates to create personalized videos.
Creator — an individual who uploads their own video templates for subsequent paid use by other Users.

2.3. The Platform operates on a prepaid model: Users purchase virtual settlement units — "Credits" — which are consumed when creating videos.

3. Registration and Account

3.1. Most Platform functionality requires account creation.

3.2. Age restriction. The Platform is intended exclusively for individuals aged 18 years or older. Registration and use of the Platform by persons under 18 is strictly prohibited. By registering, you confirm that you are at least 18 years old.

3.3. When registering, you agree to provide accurate and current information.

3.4. You are solely responsible for safeguarding your account credentials and for all activity conducted through your account.

3.5. Creating more than one account by a single individual is prohibited without prior consent from the Company.

4. Credits and Payment

4.1. Nature of Credits. Credits are an internal settlement unit of the Platform. Credits are not money, currency, securities, payment instruments, electronic funds, investment instruments, or any other financial assets. Credits cannot be converted back into cash, transferred to other Users, or used outside the Platform.

4.2. Pricing. Credit package prices are displayed on the purchase page and in the User's account. All prices are denominated in U.S. dollars (USD) unless otherwise indicated. The Company reserves the right to change package prices at any time; new prices apply only to future purchases.

4.3. Payment processors. Payments are processed by third-party payment providers (Stripe, Payoneer, and others listed on the Platform). Processing of payment data is governed by the policies of the respective providers. The Company does not store bank card data.

4.4. Taxes. All prices are exclusive of applicable taxes (VAT, sales tax, or other), unless expressly stated otherwise. You are solely responsible for the payment of any taxes applicable in your jurisdiction.

4.5. Validity of Credits. Purchased Credits do not expire for as long as your active account exists. If your account is deleted or terminated on grounds set out in these Terms, unused Credits are forfeited without monetary compensation.

4.6. Financial functionality limitations (новый подраздел в раздел 4)

CMEX.AI is not a bank, payment system, money transfer service, investment platform, crowdfunding platform, or financial intermediary.

Users may not make direct money transfers to each other through the Platform.
All payments are made exclusively for the use of digital services, artificial intelligence technologies, digital content, and other services provided by the Platform.

5. Refund Policy

5.1. Credits are a prepaid digital product delivered immediately upon payment. Accordingly, automatic refunds are not available.

5.2. A refund request may be submitted to support at info@cmex.ai with a stated reason. The Company reviews requests on a case-by-case basis and decides at its discretion within a reasonable time.

5.3. Possible grounds for a refund (reviewed individually):

Unused Credits — within 14 calendar days from the date of purchase;
Technical failures resulting in a Credit being deducted without delivery of the final result;
Cases of proven unauthorized charges.

5.4. Non-refundable:

Used (consumed) Credits, except in cases of technical failures;
Credits in cases of User violation of these Terms;
Credits purchased more than 14 calendar days prior to the request (for unused Credits).

5.5. The Company's decisions on refund requests are final.

6. User Content

6.1. Uploaded materials. When using the Platform, you may upload photographs of your face for use in the face-swap function ("User Content").

6.2. User representations and warranties. By uploading Content, you represent and warrant that:

You are the person depicted in the photograph or have explicit, informed, and documented consent from the depicted individual for the use of their image in face-swap technologies;
The Content does not infringe intellectual property rights, image rights, or any other rights of third parties;
The Content does not contain images of minors, except for your own image when you were a minor;
The Content does not contain materials prohibited under Section 8 of these Terms.

6.3. Limited license to the Company. By uploading User Content, you grant the Company a royalty-free, non-exclusive, worldwide, revocable license to use, process, store, copy, and transform the Content solely for the purpose of providing Platform services. This license terminates upon deletion of the Content or your account.

6.4. Ownership. You retain all exclusive rights to your uploaded User Content.

6.5. Consent to Immediate Performance. By purchasing Credits and initiating video creation, you expressly consent to the immediate commencement of the digital service and acknowledge that you waive any right of withdrawal, cancellation, or refund (the "cooling-off period") with respect to services already rendered, to the maximum extent permitted by applicable law.

7. Creators and Creator Content

7.1. Creator status. Any registered User may become a Creator by accepting the relevant terms in their account and, where applicable, completing the verification procedure established by the Company.

7.2. Creator representations and warranties. By uploading video templates to the Platform, the Creator represents and warrants that:

They are the rights holder of the uploaded video material or hold all necessary rights and consents to publish and commercially exploit such material;
All individuals appearing in the video have provided consent to the use of their image in face-swap technologies in accordance with applicable law;
The video material does not infringe the rights of third parties, including copyrights, related rights, trademark rights, or any other rights.

7.3. License to the Platform. By uploading Creator Content, the Creator grants the Company a non-exclusive, worldwide, royalty-free license to display, distribute, process, advertise, and commercially exploit such Content within the Platform.

7.4. Creator compensation. Creators receive compensation when their templates are used by Users in accordance with the Platform's current economic model. Applicable rates and payout terms are published in the Creator's account.

7.5. Tax obligations of Creators. Creators are solely responsible for declaring and paying taxes on received compensation in accordance with the laws of their jurisdiction. The Company does not act as a tax agent unless otherwise required by applicable law.

7.6. Removal of Creator Content. The Company reserves the right to remove any Creator Content in case of violation of these Terms, applicable law, or third-party rights.

7.7. Content review and moderation

The Company has the right to perform automatic and manual review of any content posted on the Platform, both before and after publication.

The Company may, at its discretion, restrict the distribution of content, remove content, temporarily suspend access to it, or block a User's or Creator's account in case of suspected violation of these Terms, applicable law, or third-party rights.

7.8. Repeat intellectual property infringements

The Company maintains a Repeat Infringer Policy.

Users and Creators who repeatedly infringe the intellectual property rights of third parties, including copyrights, trademarks, and other protected rights, may be permanently removed from the Platform with no possibility of account restoration.

8. Prohibited Actions and Content

When using the Platform, you are strictly prohibited from:

8.1. Content exploiting minors. Uploading, creating, distributing, or storing any sexual material involving persons under 18 years of age, as well as any content that exploits minors in inadmissible forms. Such actions are subject to prosecution under applicable law and immediate reporting to law enforcement authorities.

8.2. Non-consensual intimate imagery (NCII). Creating, distributing, or storing intimate, sexually explicit, or pornographic material depicting a real person without their explicit informed consent.

8.3. Impersonation and deception. Creating video materials imitating real persons (political figures, celebrities, private individuals) without their consent for the purposes of:

misleading third parties;
spreading statements attributed to those persons;
fraud, phishing, social engineering;
manipulation of public opinion, including political manipulation.

8.4. Defamation and slander. Creating content that damages the honor, dignity, or business reputation of real persons.

8.5. Harassment, bullying, discrimination. Using the Platform for harassment, bullying, abuse, or discrimination of any persons or groups.

8.6. Unlawful content. Creating or distributing content that violates applicable law, including content promoting violence, terrorism, extremism, or drugs.

8.7. Intellectual property infringement. Uploading materials for which you do not hold the necessary rights (fragments of films, music videos, television programs, or other protected works), except in cases of fair use expressly permitted by applicable law.

8.8. Technical violations. Using bots, scrapers, or automated means of accessing the Platform; circumventing technical or logical restrictions; or reverse-engineering the service or its components.

8.9. Unauthorized commercial use. Reselling, licensing, or otherwise commercially exploiting videos generated on the Platform or Creator templates without the Company's written consent, except where expressly permitted by the terms of use.

8.10. Violation of this Section may result in immediate termination of your account, deletion of all Content, forfeiture of Credits without compensation, and disclosure of relevant information to law enforcement authorities.

8.11. Prohibition on Monetization of Prohibited Content.

The monetization, sale, resale, receipt of remuneration, or any other commercial exploitation through the Platform is strictly prohibited with respect to any of the following types of content:

— Adult / Sexually-Explicit Content: pornography, sexually explicit material, and content involving sexual services;

— Hateful or Violent Content: material that promotes hatred or discrimination based on race, nationality, religion, sex, sexual orientation, disability, or any other protected characteristic, as well as material that promotes or glorifies violence.

Uploading, creating, distributing, or monetizing such content shall result in the consequences set forth in Section 8.10.

9. Biometric Data

9.1. CMEX.AI processes biometric data of Users — facial photographs. Biometric data is classified as a special category of personal data and is processed with enhanced protection.

9.2. Purpose of processing. Biometric data is used exclusively to perform the face-swap function on video templates selected by the User. It is not used to identify the User outside this functionality, is not transferred to third parties for marketing purposes, and is not combined with other data sets.

9.3. Consent. By uploading your image, you provide the Company with explicit informed consent to process your biometric data for the stated purposes.

9.4. Retention. Biometric data is stored for the duration of your account's existence. Details are set out in the Privacy Policy and on the "Data Storage" page.

9.5. Right to deletion. You have the right at any time to delete your biometric data through your account or by sending a request to support. Details of the procedure are set out in the Privacy Policy.

9.6. Videos generated on the Platform are retained for 30 calendar days from the date of creation or the date of last view — whichever is later. See the "Data Storage" page for details.

9.7. Separate Consent and Protection of Biometric Data.

By uploading your image, you provide separate, express, and informed consent specifically to the collection and processing of your biometric data (including facial biometric identifiers), distinct from any general consent to personal data processing.
The Company never sells, leases, trades, or otherwise profits from your biometric data and does not share it with third parties except as necessary to provide the service or as required by law.
Biometric data is retained only for as long as necessary to provide the service and is destroyed upon your deletion of the image, deletion of your account, or upon reaching the established retention period — whichever occurs first. A public retention and destruction schedule is available on the "Data Retention" page.
The Company applies heightened protection to biometric data in accordance with applicable biometric and personal data privacy laws.

10. Intellectual Property

10.1. All rights to the Platform, its software, design, databases, source code, trademarks, trade names, and other elements belong to the Company or its licensors and are protected by applicable law.

10.2. These Terms do not grant you any rights to the Company's intellectual property other than the right to limited use of the Platform under these Terms.

10.3. Copyright Infringement Notice (DMCA). If you believe your copyright is being infringed by content on the Platform, send a notice to info@cmex.ai including the following information:

identification of the copyrighted work;
identification of the disputed material on the Platform (URL);
your contact information;
a statement of good faith belief and accuracy of the information provided;
your electronic or physical signature.

We process notices in accordance with the DMCA and applicable law.

11. Disclaimer of Warranties

11.1. THE PLATFORM IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. THE COMPANY MAKES NO EXPRESS OR IMPLIED WARRANTIES, INCLUDING WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, QUALITY, OR NON-INFRINGEMENT OF THIRD-PARTY RIGHTS.

11.2. Artificial intelligence technologies are probabilistic by nature. Rendering results may contain visual artifacts or differ from User expectations. This does not constitute grounds for a refund, except in cases of technical failures explicitly falling under Section 5.

11.3. The Company does not guarantee uninterrupted Platform operation, absence of errors, or timely correction of defects.

11.4. AI-Generated Content. You understand and agree that results generated on the Platform using artificial intelligence are synthetic in nature. You are solely responsible for how you use, publish, or distribute the generated content, as well as for compliance with applicable laws governing synthetic media, including disclosure and labeling requirements for such content where applicable.

12. Limitation of Liability

12.1. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY, ITS DIRECTORS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR:

indirect, incidental, special, punitive, or consequential damages;
lost profits, data loss, reputational harm, or other intangible losses;
the actions of third parties, including other Users and Creators of the Platform;
the use by third parties of your image in violation of these Terms.

12.2. Aggregate liability cap. The Company's aggregate liability to the User for any claims arising out of these Terms or use of the Platform is limited to the amount actually paid by the User to the Company during the last twelve (12) months, or one hundred U.S. dollars (USD 100), whichever is greater.

12.3. Mandatory Law. Nothing in this Agreement limits or excludes the Company's liability to the extent such limitation or exclusion is prohibited by applicable law, including liability for wilful misconduct, gross negligence, or death or personal injury.

13. Indemnification

13.1. You agree to indemnify, defend, and hold harmless the Company, its directors, employees, and partners from any claims, demands, damages, costs, and liabilities (including reasonable legal fees) arising out of:

your violation of these Terms;
your Content infringing the rights of third parties;
your use of the Platform in violation of applicable law.

14. Termination

14.1. You may stop using the Platform and delete your account at any time through your personal account settings.

14.2. The Company may suspend or terminate your account at any time in case of:

your violation of these Terms;
reasonable suspicion of fraudulent or malicious activity;
requirements of applicable law or law enforcement authorities;
discontinuation of the Platform or specific services.

14.3. In case of account termination on grounds set out in clause 14.2, unused Credits are forfeited without monetary compensation.

14.4. Provisions of Sections 8, 10, 11, 12, 13, 15 survive termination of these Terms.

15. Governing Law and Dispute Resolution

15.1. Governing law. These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict-of-laws principles.

15.2. Jurisdiction and arbitration. Any disputes, controversies, or claims arising out of these Terms or related to the use of the Platform shall be resolved by binding and final arbitration conducted in Delaware in accordance with the rules of the American Arbitration Association (AAA). The arbitrator's decision shall be final and binding on the parties.

15.3. Class action waiver. You agree that any disputes shall be resolved exclusively on an individual basis. You irrevocably waive any right to participate in class actions, group proceedings, or representative actions.

16. Changes to the Terms

16.1. The Company reserves the right to amend these Terms at any time. The current version is always available at cmex.ai.

16.2. In the event of material changes, the Company will notify Users by email to the address provided at registration or by a prominent notice on the Platform.

16.3. Continued use of the Platform after the changes take effect constitutes acceptance of the new version of the Terms.

17. Final Provisions

17.1. Severability. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force.

17.2. Entire agreement. These Terms, together with the Privacy Policy, Cookies Policy, AI Ethics Statement, and other documents published on the Platform, constitute the entire agreement between the parties.

17.3. Assignment. You may not assign any rights under these Terms to third parties without the Company's written consent. The Company may assign its rights without additional consent from the User.

17.4. No waiver. The Company's failure to exercise any right under these Terms shall not constitute a waiver of such right.

17.5. Notices. Notices from the Company may be sent by email to the address provided by the User at registration or by publication on the Platform.

18. Contact Information

For questions concerning these Terms, please contact:

FunnyMoney Media Inc. 8 The Green, Suite A Dover, Delaware 19901 United States

Email: info@cmex.ai