Terms of Service

1. Introduction and Acceptance

These Terms of Service govern your use of STELLAR's AI consulting platform and services, operated by ALTIVO Sp. z o.o., registered in Poland.

By accessing or using our services, you agree to be bound by these Terms. If you do not agree, you may not use our services.

We reserve the right to modify these terms with reasonable notice. Material changes will be notified to you at least 30 days in advance. Continued use after changes constitutes acceptance.

2. Services Description

STELLAR provides AI consulting services. STELLAR itself delivers the service to you: the work is carried out by specialists who are independent contractors engaged by STELLAR, and you have no separate contract with them. Our services include:

• Access to verified AI consultants and specialists
• Credit-based payment system for consulting services
• Bespoke AI solutions and strategic advisory
• Platform tools for service delivery and communication

You may open and use an account for yourself or for a company or other organisation. When you use it for an organisation, that organisation is the customer under these terms and is responsible for the account and everything bought through it, and you confirm you are authorised to accept these terms on its behalf.

Rights that the law gives only to consumers, such as the statutory right to withdraw from an online purchase, apply to an individual buying for personal use and not to an organisation buying for its business. Everything our policies promise, including the refund of unused credits, applies to every customer alike.

3. Consumer Rights

3.1 Right of Withdrawal

You have the right to withdraw from credit purchases within 14 days of purchase without giving any reason. To exercise this right, contact us at support@stellarai.space with your order details.

Please note: if you use credits or ask us to start a task during the withdrawal period, you expressly ask us to perform the service immediately and acknowledge that you lose the right of withdrawal for the credits used and the work already performed. For a partly performed service you pay only for the part delivered.

3.2 Consumer Guarantees

Services must be performed with reasonable care and skill. If services are defective or not as described, you may be entitled to a remedy including service correction, price reduction, or refund in accordance with consumer protection laws.

4. Credit System

4.1 Credit Purchases

Credits are purchased directly as one-time transactions. STELLAR does not operate on a subscription model. Each credit purchase is a separate contract for digital content.

Exchange rate: 10 credits = 1 USD (or equivalent in local currency). Prices are displayed in your local currency at checkout. A custom top-up can be any amount from €1 to €20,000, or its equivalent in the currency you pick at the day's rate.

4.2 Credit Terms

• Credits do not expire
• Credits are non-transferable between accounts
• Unused credits are refundable within 14 days of purchase
• Credits are debited when you hire a specialist. If the assignment is cancelled before it is completed, they go back to your wallet in full (see the Cancellation Policy)

5. User Obligations

You agree to:

• Be at least 18 years old (or the age of majority in your jurisdiction, if higher) and have the legal capacity to enter into a binding contract
• Provide accurate account information
• Maintain confidentiality of your credentials
• Use services only for lawful purposes
• Not attempt to circumvent platform security
• Communicate respectfully with specialists
• Comply with all applicable laws
• Not open an account or use STELLAR if you are located in, or resident in, a country or territory listed below

We do not provide the service to, accept payments from, or make payouts to anyone located in or resident in the following countries and territories: Afghanistan, Belarus, Bosnia and Herzegovina, Burundi, Central African Republic, China (including Hong Kong), Cuba, Democratic Republic of the Congo, Guatemala, Guinea, Guinea-Bissau, Haiti, Iran, Iraq, Lebanon, Libya, Mali, Moldova, Myanmar, Nicaragua, Niger, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, Tunisia, Türkiye, Ukraine, Venezuela, Crimea, Sevastopol, and the areas of the Donetsk, Luhansk, Zaporizhzhia and Kherson oblasts not controlled by the Government of Ukraine.

6. Payment Terms

All payments are processed securely through authorized payment providers. We accept Visa and Mastercard, and for some currencies a regional method: Multibanco for euro payments and BLIK for złoty payments.

We accept payments in the following currencies: USD, EUR, PLN, KZT, CAD, AZN, AUD, SEK, and ZAR.

After each purchase you receive a receipt by email, and you can download the invoice from your wallet.

7. Refund Policy

See our dedicated Refund Policy for complete details.

In summary: Unused credits are refundable within 14 days of purchase. Credits used for completed services are generally non-refundable; if a completed service has a problem, tell us within 7 days and our team reviews it (see the Refund Policy).

8. Intellectual Property

All platform content, trademarks, and intellectual property remain the property of STELLAR or our licensors.

Deliverables from consulting engagements: the client owns the work once it has been paid for. There is no separate licence to buy.

9. Liability

Nothing in these Terms excludes or limits our liability for:

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

Subject to the above, our liability for any claim is limited to the total amount you paid us in the 12 months preceding the claim. We are not liable for indirect or consequential losses that are not reasonably foreseeable.

10. Data Protection

Your personal data is processed in accordance with our Privacy Policy and applicable data protection laws. You have rights regarding your personal data as detailed in our Privacy Policy.

11. Termination

You may delete your account at any time in Settings. Deleting it ends access to any credits left in your wallet, so ask us for a refund of eligible unused credits before you delete it. We may suspend or terminate accounts for violations of these Terms, with notice where reasonably possible.

If we close your account, we refund unused credits bought in the last 14 days in line with the Refund Policy. Completed services and their terms survive termination.

12. Dispute Resolution

These Terms are governed by the laws of the Republic of Poland, together with the mandatory consumer-protection rules of the European Union. If you are a consumer, this choice of law does not deprive you of the protection afforded to you by the mandatory provisions of the law of the country where you have your habitual residence (Article 6 of Regulation (EC) No 593/2008, "Rome I").

In the event of a dispute, we encourage you to contact us first at support@stellarai.space to seek an amicable resolution.

The European Commission's Online Dispute Resolution platform was discontinued on 20 July 2025. If we cannot resolve a dispute directly, you may refer it to the consumer protection authority in your country of residence, or pursue any other remedy available to you under applicable law.

Nothing in these Terms affects your statutory rights as a consumer.