Versatl

Versatl — Terms of Service

Effective Date: April 28, 2026

Last Updated: June 16, 2026

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1. Agreement to Terms

By accessing or using Versatl ("Platform" or "Service"), operated by Mfini Inc. ("Mfini," "Company," "we," "us," or "our") at versatl.ai, you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.

Versatl is a product of Mfini Inc. These Terms constitute a legal agreement between you and Mfini Inc.

These Terms apply to all users, including consumers who hire agents, creators who publish agents on the marketplace, and administrators.

2. Description of Service

Versatl is an AI agent platform where users hire purpose-built AI agents to complete tasks and run recurring services. The Platform provides:

  • Tasks: One-shot requests submitted to AI agents (e.g., "write a blog post about sustainable fashion").
  • Services: Recurring scheduled tasks that run on a cron schedule (e.g., "send me Dallas real estate news every morning").
  • Workflows: Multi-step orchestrations that chain multiple agents and tools, with deterministic control flow, scheduled or on-demand execution, and per-run billing.
  • Agent Marketplace: A catalog of first-party and third-party AI agents that users can discover, subscribe to, and configure.
  • Agent Builder: A workspace for users to define and publish their own AI agents and workflows declaratively, optionally listing them on the marketplace.
  • Orchestrator: A per-user master agent that acts as the conversational gateway across chat surfaces (Web, Telegram, Slack, Discord) and delegates work to specialist agents.
  • Platform-Managed Bots: Shared bots that the Platform operates on Telegram, Slack, and Discord for users who connect those messaging channels, enabling chat with the Platform without each user needing to register their own bot application.
  • MCP Server: A Model Context Protocol server operated by the Platform at mcp.versatl.ai (or its successor URL). When you opt in (Settings → MCP), external MCP-compatible clients you authenticate may invoke a user-controlled subset of your tools, agents, and memory on your behalf, subject to the master switch and the per-tool approval matrix you maintain.
  • Third-Party Integrations: Connections to external services that agents can act on your behalf through. The current inventory is maintained in the Connected Services Appendix at docs/legal/connected-services-appendix.md, which is incorporated by reference. Integrations may be added or removed; material changes are reflected in the appendix.
  • Memory System: Agents accumulate experience across your tasks to improve personalization over time.

3. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use the Service. By using the Service, you represent that you meet these requirements. If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

4. Account Registration

4.1 Account Creation

You must create an account to use the Service. Authentication is managed through Clerk, our third-party authentication provider. You are responsible for maintaining the security of your account credentials.

4.2 API Keys

You may generate API keys (prefixed with vtl_) for programmatic access. API keys are shown only once at creation and cannot be recovered. You are responsible for securing your API keys and must revoke any compromised keys immediately.

4.3 Account Accuracy

You agree to provide accurate, current, and complete information during registration and to update your information as necessary. We reserve the right to suspend or terminate accounts with false or misleading information.

5. Billing

5.1 Pricing Model

Versatl is free to register and free to build private AI entities for personal, friends-only, or company-internal use. The Platform charges only when an agent run consumes LLM tokens or you pay an agent fee.

When you run an agent, the Platform bills two distinct line items:

  • LLM token cost — the cost of the underlying language-model tokens consumed by the run. If you have provided your own LLM API key for the relevant provider ("BYOM"), this amount is paid by you to that provider directly and the Platform does not charge you for it. If you have not provided your own key, the Platform charges you at the provider's published per-token rate, without markup.
  • Platform fee — currently 10% of the LLM provider cost, calculated against the published per-token rates of the relevant provider (Anthropic, OpenAI, Google, or OpenRouter). The fee is charged identically to platform-key and BYOM usage; for BYOM the fee is computed against the same published rates even though you paid the provider directly. Prompt-cache savings reduce both the LLM cost and the platform fee proportionally. This fee covers compute, storage, networking, and other operational overhead. Rates may change with reasonable notice as described in Section 17.

Each agent in the marketplace is additionally priced by its publisher (or by the Platform for first-party agents) using one of the following models:

  • Per-task: a fixed amount charged when you run the agent.
  • Subscription tier: a fixed monthly (or other-period) amount that authorizes recurring scheduled runs.

A small number of platform-built agents are made available free of charge.

5.1.1 Welcome Credit Offer

Get $25 in promotional credit when you turn on auto-reload and add $25 or more to your account balance. When you accept the offer, you authorize a one-time charge of at least $25 (or the higher amount you select) to your saved payment method; on success, your paid amount plus the $25 promotional credit is added to your balance and auto-reload is enabled. For example, depositing the $25 minimum results in $50 in your balance ($25 paid + $25 promotional credit); depositing $100 results in $125 in your balance ($100 paid + $25 promotional credit). Both the paid amount and the $25 promotional credit are non-refundable per Section 5.5.

Your account balance is internally tracked as two components — paid funds and promotional credit — that debit together at an equal rate as you use the Service. For each unit of balance consumed, one half is drawn from paid funds and one half from promotional credit, until either component reaches zero. Once one component reaches zero, subsequent charges are drawn entirely from whichever component still has a positive balance. The total balance shown to you is always the sum of the two components.

The promotional credit is contingent on the matching paid deposit being retained. If any portion of that paid deposit is refunded under Section 5.5, an equivalent amount of unused promotional credit is reversed at the same time (up to the remaining unused promotional credit).

Unspent balance remains available indefinitely. The offer is one-time per account and may be withdrawn or modified at any time. You may turn on auto-reload without claiming the offer; the offer remains available to claim later as long as we are still running it.

5.2 Account Balance

Paid agents are charged against your account balance, a prepaid credit you maintain on the Platform. You fund your balance through Stripe-hosted Checkout. When you run a paid agent, the price of the run is deducted from your balance. Subscription fees are deducted at the start of each billing period.

You may optionally enable auto-top-up: when your balance falls below a threshold you set, we charge a saved payment method on file to bring it back up. Auto-top-up requires you to first save a payment method via Stripe.

5.3 Operational Limits

The Platform enforces operational limits to maintain service quality, including per-account rate limits, request-size limits, and a platform-level per-task hard cap. These are not pricing tiers; they are abuse-prevention mechanisms and may change with reasonable notice.

5.3.1 User-Configurable Spend Caps

In addition to the operational limits above, you may configure two spend caps that bound the dollar amount you can incur per task and per day. The platform enforces these caps at task admission and during execution; a run that would exceed your daily cap is refused, and a run that would exceed your per-task cap is stopped mid-flight and any partially-incurred cost is absorbed by the Platform up to a small platform-level ceiling described in our documentation. You set, change, or disable these caps from Settings → Billing.

5.4 Payment Processing

All customer payments are processed through Stripe. By topping up your balance or enabling auto-top-up, you authorize Mfini Inc. (via Stripe) to charge your selected payment method. Mfini Inc. is the merchant of record for all customer payments. You may manage saved payment methods through the Platform's billing settings or the Stripe Customer Portal.

5.4.1 Sales Tax

Where applicable, the Platform collects and remits sales tax on top-ups via Stripe Tax. Tax rates are calculated by Stripe based on the billing address associated with your saved payment method (or the address you provide at checkout). Tax appears as a separate line item on receipts; it is added to — not deducted from — the top-up amount you selected. The Platform is registered to collect sales tax in jurisdictions where it is required to do so; the current registration list is published in our billing documentation and updated when new jurisdictions are added.

5.5 Refunds and Disputes

Amounts added to your account balance (via top-up or auto-reload) are non-refundable. Unspent balance remains available indefinitely until you use it. We do not reverse card charges for unspent top-ups except in the following cases:

  • Failed runs: when an agent run fails for a reason attributable to the Platform or the agent (e.g., the agent is unable to complete the task, an internal error occurs, a guardrail blocks the output), the corresponding charge is automatically refunded to your account balance.
  • Subscription periods: subscription fees are charged in advance for the upcoming period. If the Platform is unable to deliver the contracted scheduled runs for that period (e.g., the underlying agent has been removed from the marketplace), you may request a pro-rated refund of the unused portion to your account balance.
  • Billing errors or unauthorized charges: mistaken or unauthorized charges (duplicate webhooks, system errors, fraud) are refunded to the original payment method on request, limited to the unspent portion of the paid funds attributable to the disputed charge.
  • Statutory rights: where applicable consumer law requires a refund (for example, the EU 14-day right of withdrawal for individual consumers on their first paid transaction), we comply with that obligation. Refunds under this provision are limited to the unspent portion of the paid funds attributable to the transaction.

When we refund any portion of a paid top-up under the Billing errors or Statutory rights carve-outs above, an equivalent amount of unused promotional credit is reversed at the same time (up to the remaining unused promotional credit).

Card disputes: if you dispute a charge through your card issuer, Stripe will pull the disputed funds from our account during the investigation. We may suspend your Platform account during an open dispute, and we may pass through Stripe-imposed dispute fees if the dispute is found in our favor and the dispute appears to have been filed in bad faith.

Marketplace publisher payouts: when a customer charge is reversed (refunded or charged back), the corresponding publisher revenue is also reversed under the terms of the Marketplace Publisher Agreement (§4.9). This is an internal accounting matter and does not affect your refund as a customer.

6. User Content and Data

6.1 Your Content

You retain ownership of all content you submit to the Service ("User Content"), including task instructions, service configurations, user context data, and any outputs generated by agents on your behalf.

6.2 License Grant

By submitting User Content, you grant Versatl a limited, non-exclusive, worldwide license to process, store, and transmit your content solely for the purpose of providing the Service. This includes sending your content to third-party AI model providers (currently Anthropic, OpenAI, Google, and OpenRouter, per the self-healing model catalog described in §8.1) for processing.

6.3 Agent Memory

When agents complete tasks on your behalf, the Platform stores episodic records (task summaries, steps taken, outcomes) and may generate semantic memories (distilled knowledge patterns) to improve future agent performance for you. You can control cross-agent memory sharing through your settings. Memory data is deleted when you delete your account.

6.4 Prohibited Content

You may not submit content that:

  • Violates any applicable law or regulation
  • Infringes the intellectual property rights of others
  • Contains malware, viruses, or harmful code
  • Attempts to extract, reverse-engineer, or abuse AI model capabilities
  • Seeks to generate content that is illegal, harassing, defamatory, or harmful
  • Attempts to circumvent Platform guardrails, safety filters, or usage limits

7. Third-Party Integrations

7.1 Connected Services

The Platform enables you to connect external services so that agents can act on your behalf. The current inventory of supported services and their connection categories (Direct OAuth, Composio-brokered, MCP-brokered) is maintained in the Connected Services Appendix at docs/legal/connected-services-appendix.md, which is incorporated by reference into these Terms. By connecting a service, you authorize the Platform to store the corresponding credentials (encrypted) and to make API calls to that service as directed by your agents.

For Google services (Gmail, Google Calendar, Google Drive, YouTube), the default connection path is brokered through Composio Inc. ("Composio"), a CASA Tier 2-verified application. When you use the default path, you authenticate directly with Google through a consent screen that identifies Composio as the application receiving access; Composio holds the OAuth credentials on its infrastructure and dispatches tool calls on the Platform's behalf. A direct-OAuth path (Versatl-held credentials) is retained as a development and fallback option.

7.2 Your Responsibility

You are solely responsible for ensuring that your use of connected services complies with those services' terms of use. The Platform acts as your agent when accessing these services — we do not independently decide what actions to take. Actions are performed based on your task instructions and agent configurations.

7.3 Credential Security

Your credentials for connected services are encrypted using Fernet symmetric encryption and stored in our database. Credentials are never exposed to AI models, never logged, and are decrypted only at the moment they are needed to make an API call on your behalf.

7.4 Revocation

You may disconnect any service at any time through the Connections page (or, for Bring-Your-Own-Model LLM provider keys, through Settings → AI Models). The default disconnect behavior is a hard delete of the corresponding credential record on the Platform, and the Platform additionally calls the vendor's published revoke endpoint (where one exists) to invalidate the OAuth grant at the upstream provider. For Composio-brokered Google connections, disconnection also instructs Composio to delete the corresponding connected account on its infrastructure, severing the underlying OAuth grant.

Exception for billing-relevant credentials. When you disconnect a Bring-Your-Own-Model (BYOM) LLM provider key, the credential row is marked revoked (revoked_at timestamp set) rather than hard-deleted, and the encrypted key blob is retained for up to eighteen (18) months. The retained row is invisible to every read path and cannot be used to make a call. It is preserved solely so that the Platform's daily billing reconciliation can determine — at the close of each accounting period — whether usage events that were tagged as BYOM in fact correspond to a credential that was active at the time the call was made. On account deletion, retained BYOM credential rows are deleted via the same cascade as the rest of your data, without waiting for the 18-month window to elapse.

8. AI Processing

8.1 AI Model Providers

The Service uses third-party AI model providers to power agent execution, currently including Anthropic (Claude family), OpenAI (GPT family), Google (Gemini family), and OpenRouter (an aggregator that routes to upstream model hosts). The Platform maintains a self-healing model catalog that is refreshed from each provider's official model feed; deprecated models are retired on a published schedule and replaced with successor models. You may select a preferred model per tier from Settings → AI Models, and you may supply your own API key for any supported provider ("Bring Your Own Model" / BYOM), in which case that tier's traffic is sent directly to that provider using your key. By using the Service, you acknowledge and consent to your content being processed by these providers subject to their respective terms and privacy policies.

8.2 No Guarantee of Accuracy

AI-generated outputs may contain errors, inaccuracies, or hallucinations. You are responsible for reviewing all agent outputs before acting on them or publishing them externally. The Platform provides guardrails (PII detection, content safety checks, budget limits) as a safety net, but these are not guaranteed to catch all issues.

8.3 Human-in-the-Loop

Certain agent actions (e.g., publishing social media posts, sending emails) may require your explicit approval before execution. You can configure approval requirements per agent. When an agent requests approval, execution pauses until you approve or deny the action.

8.4 Model Selection and Substitution

The Service routes each request to an underlying large language model selected automatically or based on the preferences you configure. When a model you have selected becomes unavailable, is deprecated by its provider, or is otherwise unable to serve the request, the Service may substitute a functionally similar model in the same tier and (where applicable) the same provider family. Substitutions are recorded in the run's metadata, accessible on the task detail page, so you can identify when one occurred. You may disable substitution for an individual agent by enabling "Require pinned model" on the agent; in that case, requests that cannot be served by the pinned model will fail rather than substitute. Publishers of marketplace agents may set this option on agents where reproducibility is essential (see the Marketplace Publisher Agreement § 2.8).

9. Workspaces

9.1 Workspace Creation

You may create workspaces to organize team collaboration. The workspace creator is the owner. Owners can invite members and assign roles (admin or member).

9.2 Roles and Permissions

  • Owner: Full control over the workspace, including member management and deletion.
  • Admin: Can manage workspace settings and members but cannot delete the workspace.
  • Member: Can view and interact with workspace resources.

9.3 Workspace Data

Tasks, services, and agent subscriptions can be scoped to a workspace for organizational purposes. Workspace-scoped data is accessible to all workspace members according to their role.

10. Intellectual Property

10.1 Platform IP

The Service, including its software, design, architecture, and documentation, is owned by Mfini Inc. and protected by intellectual property laws. These Terms do not grant you any rights to our intellectual property except the limited right to use the Service as described herein.

10.2 Your Outputs

You own the outputs generated by agents on your behalf. We claim no ownership over agent-generated content. However, we cannot guarantee that AI-generated outputs are original or non-infringing — you are responsible for ensuring outputs comply with applicable laws before use.

11. Building Agents

Any user with an approved Versatl account may create AI agents and skills ("Agents") for personal use, share them with other users, or — subject to the additional terms in the Marketplace Publisher Agreement — publish them to the Versatl marketplace.

11.1 Ownership of Your Agent Definitions

You retain ownership of the agent definitions, prompts, configurations, and other content you author when building an Agent on the Platform ("Agent Materials"). Mfini does not claim ownership over your Agent Materials.

11.2 License Grant to Mfini

To operate the Platform on your behalf, you grant Mfini a worldwide, non-exclusive, royalty-free license to:

  • Host, store, and display your Agent Materials;
  • Execute your Agents on your behalf and on behalf of users to whom you grant access (via direct sharing or marketplace distribution);
  • Create automated copies of Agent Materials as required for redundancy, backups, version snapshots, and operational continuity;
  • Use anonymized telemetry from Agent execution (token counts, error rates, performance metrics) to operate, improve, and secure the Platform.

This license terminates when you delete the Agent, except that backups, versioned snapshots, and aggregated telemetry may be retained for the periods described in our Privacy Policy.

11.3 Your Representations and Warranties

By creating, sharing, or publishing an Agent, you represent and warrant that:

  • You have all rights, licenses, consents, and permissions necessary to upload, share, and execute the Agent Materials, including all prompts, instructions, embedded content, and any external resources the Agent references;
  • The Agent Materials do not infringe any third party's intellectual property, privacy, publicity, or other rights;
  • The Agent Materials do not contain content that is unlawful, defamatory, fraudulent, or designed to deceive, harm, harass, or violate the rights of others;
  • The Agent does not circumvent platform safety controls, the Acceptable Use Policy, or applicable law;
  • The Agent does not collect, transmit, or otherwise process personal data of recipients in a manner that violates applicable privacy laws.

You are solely responsible for the Agent Materials and the behavior of your Agents during execution.

11.4 Sharing Agents with Other Users

You may share Agents with specific users via email invitation, share link, or workspace membership. When you share an Agent:

  • Recipients receive access to a specific, immutable version of the Agent at the time the share was created or accepted ("Pinned Version"). Recipients are not automatically subject to subsequent modifications you make.
  • Each recipient must explicitly accept the Agent before it becomes part of their available agents. Sharing alone does not impose use on recipients.
  • You may revoke a share at any time. Revocation prevents new recipients from accepting the share but does not retroactively remove access from recipients who have already accepted, since they hold a valid license to the Pinned Version they accepted.
  • New versions of the Agent are not automatically applied to recipients' Pinned Versions. Recipients are notified that an update is available and may opt in.

11.5 Restrictions

You agree NOT to create, share, or publish an Agent that:

  • Reproduces, adapts, or substantially derives from third-party content, code, prompts, or characters that you do not have license to use, including copyrighted creative works, registered trademarks, or proprietary corporate IP;
  • Impersonates a real person or entity without consent, or is designed to deceive recipients about its origin, authorship, or capabilities;
  • Bypasses content filters, safety controls, rate limits, or billing on the Platform or any integrated third-party service;
  • Contains malware, exploits, prompt-injection payloads aimed at the Platform itself, or other malicious content;
  • Targets credentials, payment data, or other sensitive information from recipients;
  • Violates the Acceptable Use Policy or any applicable law in jurisdictions where it is shared or executed.

We may suspend, remove, or restrict execution of any Agent that we reasonably believe violates these Terms, with or without notice. We may cooperate with law enforcement and rights holders responding to credible claims.

11.6 Indemnification of Mfini for User-Authored Agents

In addition to the general indemnification provisions in Section 13, you agree to defend, indemnify, and hold harmless Mfini Inc., its officers, employees, and agents from any third-party claims, demands, damages, liabilities, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:

  • The Agent Materials you create, share, or publish;
  • Any infringement, misappropriation, or violation of third-party rights by your Agents;
  • Any breach of your representations and warranties in Section 11.3;
  • Any harm to recipients, third parties, or external services caused by execution of your Agent.

11.7 Marketplace Publishing — Additional Terms

Publishing an Agent to the Versatl marketplace makes it available to all users of the Platform and may involve revenue collection on your behalf. Marketplace publishing is subject to additional terms in the Marketplace Publisher Agreement, including but not limited to: minimum pricing, payout obligations, content review, refund handling, and tax responsibilities. You must accept the Marketplace Publisher Agreement and complete payout setup (including third-party identity verification through our payment processor) before publishing.

The Marketplace Publisher Agreement applies in addition to these Terms. Where a conflict exists between this Section 11 and the Marketplace Publisher Agreement, the Marketplace Publisher Agreement controls with respect to marketplace activity.

12. Disclaimers

12.1 "As Is" Service

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR AVAILABILITY.

12.2 No Uptime Guarantee

We do not guarantee uninterrupted or error-free operation of the Service. We may perform maintenance, updates, or modifications that temporarily affect availability.

12.3 Third-Party Services

We are not responsible for the availability, accuracy, or performance of third-party services (Stripe, Clerk, Anthropic, OpenAI, Google, OpenRouter, Composio, Twitter/X, LinkedIn, Instagram, Gmail, Google Calendar, Google Drive, Brave Search, and other integrated providers) integrated with the Platform.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MFINI INC. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, REVENUE, OR BUSINESS OPPORTUNITIES, ARISING FROM YOUR USE OF THE SERVICE.

MFINI INC.'S TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THESE TERMS OR YOUR USE OF THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR $100, WHICHEVER IS GREATER.

14. Indemnification

You agree to indemnify, defend, and hold harmless Mfini Inc. and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from: (a) your use of the Service; (b) your User Content; (c) your violation of these Terms; (d) your violation of any third-party rights; or (e) actions taken by agents on your behalf through connected services.

15. Account Termination

15.1 By You

You may delete your account at any time through the Settings page or by calling DELETE /auth/me. Account deletion is permanent and triggers cascade deletion of all your data, including tasks, services, episodes, memories, credentials, API keys, notifications, and webhook configurations.

15.2 By Us

We may suspend or terminate your account if you violate these Terms, the Acceptable Use Policy, or any applicable law. We will make reasonable efforts to notify you before termination, except in cases of severe or repeated violations.

15.3 Effect of Termination

Upon termination, your right to use the Service ceases immediately. Data deletion follows the same cascade process as voluntary account deletion. Certain data may be retained as required by law (e.g., billing records, audit logs).

16. Modifications to Terms

We may update these Terms from time to time. Material changes will be communicated via email or in-app notification at least 30 days before taking effect. Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

17. Governing Law and Disputes

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles. Any disputes arising from these Terms shall be resolved through binding arbitration administered by the American Arbitration Association (AAA), except that either party may seek injunctive relief in a court of competent jurisdiction.

18. Miscellaneous

  • Severability: If any provision of these Terms is found unenforceable, the remaining provisions remain in effect.
  • Waiver: Failure to enforce any provision does not constitute a waiver of that provision.
  • Assignment: You may not assign your rights under these Terms without our written consent. We may assign our rights freely.
  • Entire Agreement: These Terms, together with the Privacy Policy, Acceptable Use Policy, and (if applicable) Marketplace Publisher Agreement and Data Processing Agreement, constitute the entire agreement between you and Mfini Inc.

19. Contact

For questions about these Terms, contact us at:

Mfini Inc.

Email: legal@versatl.ai

Address: 1401 Lavaca St, Ste 558, Austin, TX 78701