Terms of Service

1. Agreement to These Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you and MG Creative Labs (“MG Creative Labs,” “we,” “us,” or “our”). They govern your access to and use of the MG Creative Labs website, learning platform, AI tools, community features, and all related services (collectively, the “Platform”).

By creating an account, making a purchase, or using any part of the Platform, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must not use the Platform.

You must be at least 13 years of age (or the minimum digital age of consent in your jurisdiction, if higher) to use the Platform. By using the Platform, you represent that you meet this requirement.

2. Description of Our Service

MG Creative Labs is an AI education platform that provides:

• Structured online courses across AI, coding, design, and automation
• A curated library of prompt templates for use with AI language models
• MG Labs AI — a free AI chat assistant for learning and experimentation
• A community platform for knowledge sharing and peer support
• Premium AI Guidance — personalised one-on-one advisory support (see § 5)
• Blog content, tutorials, and a directory of AI tools

We reserve the right to modify, expand, or discontinue any aspect of the Platform at any time. We will provide reasonable advance notice of material changes that significantly affect your access or paid subscription.

3. Educational Nature of Content and Guidance

All content on the Platform is provided for educational and informational purposes only. This includes, without limitation, course videos, written lessons, prompt templates, community discussions, AI-generated responses, and advisory guidance provided through the Premium AI Guidance service.

Nothing on the Platform constitutes or should be construed as professional advice of any kind, including but not limited to legal, financial, investment, tax, medical, psychological, or business advice. Where the Platform provides information in these domains, it does so strictly for educational illustration and general awareness — not as a substitute for advice from a qualified professional licensed in your jurisdiction.

You acknowledge and agree that:

• Learning outcomes and results from applying educational content vary significantly between individuals and depend entirely on your background knowledge, effort, implementation approach, personal circumstances, and factors outside our control.
• MG Creative Labs makes no representation, warranty, or guarantee that any specific result, financial outcome, career advancement, skill level, or business success will be achieved through use of the Platform or its content.
• You are solely responsible for evaluating the appropriateness and accuracy of any Platform content for your specific situation before relying on or acting on it.
• AI-generated content (including MG Labs AI responses and AI-assisted course content) may contain errors, inaccuracies, or outdated information and must be independently verified before use in any decision-making context.

4. User Accounts

4.1 Registration

Certain features of the Platform require you to create an account. You agree to provide accurate, current, and complete information during registration and to keep your account information up to date.

4.2 Account security

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify us immediately at mgcreativelabs@technologist.com if you suspect unauthorised access to your account.

4.3 One account per person

Each account is for a single individual. You may not share your account credentials with others or create multiple accounts to circumvent access limits or abuse free-tier offerings.

5. Premium AI Guidance Service

5.1 Nature of the service

The Premium AI Guidance service (“Premium Service”) provides subscribers with personalised one-on-one advisory support focused on AI implementation, workflows, tools, and strategy. The Premium Service is an educational advisory service — not a professional consulting, legal, financial, technical, or business services engagement.

Premium guidance is provided based on our knowledge and experience at the time of delivery. It does not constitute professional advice in any regulated field, and should not replace advice from qualified professionals.

5.2 No guarantee of results

Outcomes from the Premium Service depend entirely on your individual goals, circumstances, implementation effort, market conditions, and other factors outside our control. We make no representation, guarantee, or warranty that any specific revenue, business outcome, skill advancement, or other result will be achieved through engagement with the Premium Service.

5.3 Review before subscribing

Before subscribing to the Premium Service, you are strongly encouraged to:

• Read this Terms of Service document in full
• Review the Premium AI Guidance description on our Pricing page
• Contact us with any questions before committing
• Ensure the service aligns with your specific needs and situation

By subscribing to the Premium Service, you confirm that you have reviewed the service description and understand its educational, non-professional nature.

6. Payments, Subscriptions, and Refund Policy

6.1 Billing

Paid plans are billed on a recurring basis (monthly or annual) via Stripe. By subscribing, you authorise us to charge your payment method on the applicable billing cycle. Prices are displayed in USD and are inclusive of applicable taxes unless stated otherwise.

6.2 Pro plan — 14-day money-back guarantee

If you are not satisfied with the Pro plan, you may request a full refund within 14 days of your first payment by contacting us at mgcreativelabs@technologist.com. This guarantee applies to your first payment only and does not apply to renewal charges.

6.3 Premium AI Guidance — no-refund policy

Due to the personalised, time-invested nature of the Premium AI Guidance service, all payments for the Premium Service are non-refundable once a guidance session or billing period has commenced.

This no-refund policy applies to the fullest extent permitted by applicable law. Certain consumer protection statutes in your jurisdiction may provide statutory rights that cannot be contractually waived. Nothing in this Section is intended to exclude, limit, or modify any non-waivable statutory rights you may have under the laws of your jurisdiction.

If you believe there has been an error in billing, please contact us within 30 days of the charge and we will review your case in good faith.

6.4 Cancellation

You may cancel any subscription at any time from your account dashboard. Upon cancellation, you retain access until the end of the current paid billing period. No partial-period refunds are issued except where required by applicable law or covered by the Pro plan money-back guarantee above.

6.5 Failed payments

If a payment fails, we will attempt to retry the charge. Continued failed payments may result in suspension or downgrade of your account to the free tier.

7. User-Generated Content

You retain ownership of prompts, community posts, replies, and other content you submit to the Platform (“User Content”). By posting User Content that is publicly visible (for example, in the community or shared prompt library), you grant MG Creative Labs a non-exclusive, worldwide, royalty-free licence to display, reproduce, distribute, and promote that content within the Platform and in marketing materials related to the Platform.

You represent and warrant that your User Content does not violate any third-party rights (including intellectual property and privacy rights) and does not violate any applicable law. You are solely responsible for your User Content.

We reserve the right to remove User Content that violates these Terms or that we determine, in our sole discretion, is harmful, offensive, misleading, or otherwise contrary to the spirit of the Platform.

8. MG Labs AI Feature

MG Labs AI is an AI chat assistant powered by a third-party large language model (currently Llama 3.3 70B via Groq, Inc.). AI responses are generated automatically and may be inaccurate, incomplete, outdated, biased, or otherwise unreliable.

AI output from MG Labs AI is provided for exploratory, educational, and experimental use only. It does not constitute professional advice of any kind. You are responsible for independently verifying any information before acting on it.

Do not submit sensitive personal information (such as financial account numbers, health information, or government ID numbers) in AI chat messages. Your messages are transmitted to Groq, Inc. for processing. See our Privacy Policy for details.

9. Prohibited Conduct

You agree not to use the Platform to:

• Post, upload, or transmit content that is unlawful, harassing, hateful, defamatory, sexually explicit, or that promotes violence or discrimination
• Scrape, crawl, or otherwise collect data from the Platform via automated means without our express written consent
• Attempt to gain unauthorised access to any account, server, database, or system associated with the Platform
• Reverse engineer, decompile, or otherwise attempt to extract source code from any part of the Platform
• Circumvent any rate limits, access controls, or technical protection measures
• Create multiple free accounts to circumvent access limits, trial periods, or other restrictions
• Impersonate MG Creative Labs, our team members, or any other person or entity
• Commercially resell, sublicense, or redistribute any course content, prompt templates, or other proprietary Platform materials without our written permission
• Use the Platform to generate, distribute, or promote spam, phishing, malware, or other harmful content

We may suspend or permanently terminate accounts that violate these rules, with or without notice, at our sole discretion.

10. Intellectual Property

10.1 Our property

The Platform's name, logo, brand identity, design, course content, written materials, prompt templates, software, and all other original materials are owned by or licensed to MG Creative Labs and are protected by copyright, trademark, and other intellectual property laws. No rights are granted to you other than those expressly set out in these Terms.

10.2 Permitted personal use

You may access and use Platform content for personal, non-commercial learning purposes only. You may use prompt templates for your own projects (personal or commercial). You may not reproduce, distribute, publicly display, or create derivative works from course content, lesson materials, or original Platform writing without our express written permission.

10.3 Feedback

If you provide feedback, suggestions, or ideas about the Platform, you grant us an unrestricted, irrevocable, perpetual, royalty-free right to use that feedback without any obligation of compensation, attribution, or confidentiality.

11. Disclaimer of Warranties

To the fullest extent permitted by applicable law, the Platform and all content, services, and features provided through it are offered “as is” and “as available,” without warranties of any kind, whether express, implied, statutory, or otherwise.

Without limiting the foregoing, MG Creative Labs expressly disclaims all implied warranties of merchantability, fitness for a particular purpose, title, accuracy, and non-infringement. We do not warrant that:

• The Platform will be uninterrupted, error-free, or available at all times
• Course content, prompts, or AI-generated material will be accurate or complete
• Any defects or errors in the Platform will be corrected
• The Platform is free of viruses or other harmful components (though we take reasonable measures to keep it secure)
• Any educational content will achieve a specific result for you

Some jurisdictions do not allow the exclusion of implied warranties. In those jurisdictions, the above exclusions apply to the maximum extent permitted by law.

12. Limitation of Liability

12.1 Exclusion of indirect damages

To the fullest extent permitted by applicable law, in no event shall MG Creative Labs, its officers, directors, employees, agents, suppliers, or licensors be liable for any indirect, incidental, special, exemplary, punitive, or consequential damages, including but not limited to:

• Loss of profits, revenue, or anticipated savings
• Loss of data, goodwill, or business opportunities
• Cost of procuring substitute goods or services
• Decisions made in reliance on educational content, AI-generated material, or advisory guidance provided through the Platform

This exclusion applies even if MG Creative Labs has been advised of the possibility of such damages and regardless of the legal theory (contract, tort, strict liability, or otherwise) on which the claim is based.

12.2 Cap on total liability

To the fullest extent permitted by applicable law, MG Creative Labs's total cumulative liability to you for all claims arising from or related to these Terms or the Platform shall not exceed the greater of: (a) the total amount you paid to MG Creative Labs in the twelve (12) months immediately preceding the event giving rise to the claim, or (b) one hundred US dollars (US$100).

12.3 Educational content and decisions

You are solely responsible for all decisions and actions you take based on educational content, course materials, prompt templates, AI-generated responses, or advisory guidance provided through the Platform. MG Creative Labs shall not be liable for any outcomes — financial, professional, personal, or otherwise — resulting from your reliance on Platform content or guidance.

12.4 Exceptions

Nothing in these Terms shall limit or exclude MG Creative Labs's liability for:

• Death or personal injury caused by our gross negligence
• Fraud or fraudulent misrepresentation
• Any other liability that cannot be excluded or limited under applicable law

Some jurisdictions do not allow certain liability limitations. In those jurisdictions, the limitations above apply to the maximum extent permitted.

13. Indemnification

To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless MG Creative Labs and its officers, directors, employees, agents, successors, and licensors from and against any and all claims, demands, actions, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees and court costs) arising from or relating to:

• Your use of or access to the Platform
• Your violation of these Terms or any applicable law or regulation
• User Content you submit, post, or transmit through the Platform
• Your violation of any third-party rights, including intellectual property, privacy, or confidentiality rights
• Any decisions, actions, or outcomes resulting from your reliance on Platform content, educational materials, AI outputs, or advisory guidance
• Any claims by third parties arising from your use of the Platform in violation of these Terms

We reserve the right, at our own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, in which event you agree to cooperate with us in asserting any available defences.

14. Termination and Suspension

14.1 Your right to terminate

You may delete your account at any time from your dashboard settings or by contacting us. Upon deletion, your access to paid features ceases at the end of the current billing period. Requests to delete your personal data are handled per our Privacy Policy.

14.2 Our right to terminate or suspend

We may suspend or permanently terminate your account, with or without notice, if we determine in our sole discretion that you have violated these Terms, engaged in fraudulent conduct, or pose a risk to the Platform, other users, or our legitimate business interests. We are not liable to you for any consequences of a termination carried out in accordance with these Terms.

14.3 Effect of termination

Upon termination, your right to use the Platform immediately ceases. Provisions of these Terms that by their nature should survive termination shall continue in full force and effect, including §§ 3, 7, 10, 11, 12, 13, and 15.

15. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with applicable law. If you are a consumer, you may also benefit from mandatory protections afforded by the laws of your country of residence, and nothing in these Terms is intended to deprive you of those protections.

We encourage you to contact us directly at mgcreativelabs@technologist.com if you have a dispute. We will make reasonable efforts to resolve complaints informally before any formal proceedings are initiated.

16. General Provisions

16.1 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable in any jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it enforceable.

16.2 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing to be effective.

16.3 Entire agreement

These Terms, together with our Privacy Policy and any additional terms applicable to specific services you use, constitute the entire agreement between you and MG Creative Labs regarding the Platform and supersede all prior agreements and understandings, whether written or oral.

16.4 Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations freely, including in connection with a merger, acquisition, or sale of assets.

17. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will update the “Last updated” date at the top of this page and, where required by law or where we consider it appropriate, notify you via email or an in-platform notice. Material changes will not apply retroactively.

Your continued use of the Platform after the effective date of updated Terms constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Platform before the changes take effect.

18. Contact Information

Questions, concerns, or complaints regarding these Terms should be directed to:

We aim to respond to all enquiries within 3 business days.