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Terms of Use

Terms of Use

Version 1.1
Effective date: November 11, 2026

These Terms of Use (the "Terms") are a contract between you and Thought2Creations LLC, a North Carolina limited liability company ("Thought2Creations," "we," "us," or "our"), for the Ask Now Save Now website and assistant, including the character Pip (the "Service").

Contact: Thought2Creations LLC, 1250 Western Blvd, Ste L2 #417, Jacksonville, NC 28546 (our public mailing address); contact@thought2creations.com; (910) 601-5122.

By using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

1. What the Service is — and is not

The Service is an artificial-intelligence chat you can use to ask questions and to get general ideas about saving money and managing everyday expenses. You may type a question or, if you choose and your browser supports it, speak a question. Answers are generated automatically by a third-party artificial-intelligence service. If you leave voice output on, replies may be read aloud by your device or browser.

The Service is a convenience tool for general information. It is not:

  • a professional, legal, medical, tax, insurance, or financial adviser;
  • an investment adviser, broker, bank, or lender;
  • a crisis-counseling, emergency, or healthcare service;
  • a guarantee that you will save money, find a deal, or receive any particular result.

2. Eligibility

You must be 13 or older to use Ask Now Save Now. If you are under 18, a parent or guardian must agree to these Terms for you.

The Service is not directed at children under 13, and we do not knowingly collect personal information from children under 13. We may ask you to confirm these points before you chat or use the microphone. If we learn that a user is under 13, we will block access and delete personal information we have collected from that user, except where we are required to keep a short record.

You may not use the Service if you are not allowed to do so under the laws of your state or country, or if we have suspended your access.

3. Answers can be wrong, and they are not professional advice

Answers are generated automatically. They can be wrong, incomplete, biased, or outdated, and they may not be unique. They are not professional, legal, medical, tax, or financial advice, and they are not a personalized recommendation.

You must verify anything important — including prices, deals, product availability, laws, medical or tax questions, and any step that could affect your money, health, or legal rights — with the store, agency, or a qualified professional, before you rely on it. We do not claim that answers are written by a human. You may not represent an answer as human-written professional advice.

4. Money and savings information

Any money, budget, shopping, debt, credit, or savings information the Service provides is general information only. It is not financial, investment, tax, or legal advice, and it is not a personalized recommendation that you buy, sell, hold, or invest in anything, or that you take any particular financial step.

We do not guarantee that you will save money. We do not promise that any price, coupon, promotion, rate, or offer mentioned (if one is mentioned at all) is current, complete, or available to you. Check the store or official source. The Service is not allowed to invent specific prices, coupon codes, promo codes, or official offers; if an answer ever appears to do so, do not rely on it.

We do not currently include affiliate or paid referral links on the Service. If we later add links to other companies' products or services, including paid or affiliate links, we will disclose that relationship clearly at the time.

5. Crisis and emergency help

If you are in crisis or thinking about harming yourself, please get help from a real person now. In the United States, call or text 988, or chat at 988lifeline.org, to reach the 988 Suicide & Crisis Lifeline. If you are in immediate danger, call 911 or your local emergency number. If you can, also talk to a trusted adult or someone who can help in person. The Service is an automated assistant and is not a crisis counselor.

6. Artificial intelligence and other third-party services

Pip's answers are produced by a third-party artificial-intelligence API. As of the effective date, that API is the xAI API, provided by SpaceX Super Intelligence LLC ("AI Provider"). The legal name of the AI Provider is as stated on its then-current terms and on any order or account we have with it. We will update our Privacy Policy if that name changes.

The AI Provider's terms apply to our use of its API. We, not the AI Provider, are responsible to you for the Service we offer, except as those terms allocate responsibility between us and the AI Provider. The AI Provider does not have a direct customer relationship with you because of your use of this Service.

Typing works without the microphone. The microphone is optional and is off until you agree to use it. If you choose to use voice typing, your browser's speech-recognition service processes your audio. In Google Chrome or Microsoft Edge, that audio is typically sent to Google. In Safari, it is typically sent to Apple. Other browsers may use a different vendor or may not support voice typing. Those vendors, not Thought2Creations, control that audio under their own terms and privacy policies. We receive a text transcript to process your question. We do not keep an audio recording of your voice, and we do not create a voiceprint.

Before you first use the microphone, we will ask for your agreement to that processing. You may type instead. If voice output is on, replies may be read aloud by your device or browser. You may turn voice output off.

Please do not include passwords, payment-card numbers, government ID numbers, health records, or another person's sensitive information in a question.

7. Acceptable use

You agree that you will not:

  • use the Service for any unlawful purpose;
  • try to get illegal, harmful, or dangerous instructions, or content that sexualizes minors;
  • attempt to probe, disrupt, or overload the Service, bypass rate limits, or access accounts or data that are not yours;
  • submit personal information of another person without authority, or submit payment-card numbers, government ID numbers, passwords, or health records;
  • use answers to train other machine-learning models, or to build a competing AI assistant, except as allowed by law;
  • misrepresent an answer as human professional advice;
  • reverse engineer the Service except where that restriction is not permitted by law.

We may refuse, rate-limit, or block questions or access when we reasonably believe these Terms, our Privacy Policy, or the law require it, or to protect the Service, our providers, or other people.

8. Accounts and fees

The Service does not currently require you to create an account, and it is currently offered without a charge. We do not currently process payments on the Service. If we add accounts or paid features, we will update these Terms and, where required, give notice.

9. Intellectual property

The Service, including the Ask Now Save Now name, the Pip character and artwork, our original text and code, and the selection and arrangement of the site, is owned by Thought2Creations or its licensors and is protected by intellectual-property laws. These Terms do not grant you any right to use our names or the Pip character except as needed to use the Service for your own personal, non-commercial questions.

Headlines on the Service use the Fredoka font, licensed under the SIL Open Font License 1.1. That license and copyright notice are available at /fonts/OFL.txt.

You own the questions and other prompts you submit. As between you and Thought2Creations, we do not claim copyright in the AI-generated answers you receive. You grant us a limited, non-exclusive, worldwide, royalty-free license to process your prompts and the generated answers solely as needed to operate, secure, and provide the Service, and as described in the Privacy Policy.

Answers may not be unique, and other people may receive similar answers. We do not warrant that an answer is free of third-party intellectual-property claims.

10. Privacy

Our Privacy Policy explains how we handle information, including questions you type or speak, technical data, and our use of the AI Provider and, if you use the microphone, browser speech vendors. Please read it.

11. Disclaimers

THE SERVICE AND ALL ANSWERS ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT ANSWERS WILL BE ACCURATE, COMPLETE, CURRENT, OR ERROR-FREE, THAT THE SERVICE WILL BE UNINTERRUPTED, OR THAT YOU WILL SAVE ANY AMOUNT OF MONEY.

SOME STATES DO NOT ALLOW CERTAIN DISCLAIMERS. IN THOSE STATES, THE DISCLAIMER APPLIES TO THE MAXIMUM EXTENT PERMITTED. NOTHING IN THESE TERMS LIMITS ANY NON-WAIVABLE RIGHT YOU HAVE UNDER NORTH CAROLINA LAW OR OTHER APPLICABLE LAW, INCLUDING ANY NON-WAIVABLE RIGHT UNDER THE NORTH CAROLINA UNFAIR AND DECEPTIVE TRADE PRACTICES ACT.

12. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, THOUGHT2CREATIONS AND ITS MEMBERS, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US TO USE THE SERVICE IN THE TWELVE MONTHS BEFORE THE CLAIM, OR (B) TWENTY-FIVE U.S. DOLLARS (US $25).

THESE LIMITS DO NOT APPLY TO LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW, INCLUDING LIABILITY FOR OUR OWN FRAUD OR WILLFUL MISCONDUCT, OR FOR DEATH OR PERSONAL INJURY CAUSED BY GROSS NEGLIGENCE WHERE SUCH A LIMIT IS PROHIBITED. BECAUSE THE SERVICE IS CURRENTLY OFFERED WITHOUT A CHARGE, THIS SECTION IS INTENDED TO BE A REASONABLE ALLOCATION OF RISK FOR A FREE SERVICE.

13. Responsibility for your misuse

If your misuse of the Service, your violation of these Terms, or your violation of another person's rights causes a third-party claim against Thought2Creations, you will be responsible for the losses we reasonably incur as a result of that claim, including reasonable attorneys' fees, except to the extent the claim is caused by our willful misconduct or gross negligence. This section covers harm caused by your conduct. It is not intended to shift the ordinary risks of a free information service onto you.

14. Informal resolution, North Carolina courts, and small claims

If a dispute arises out of or relates to the Service or these Terms, please email contact@thought2creations.com with your name, a description of the issue, and how we can reach you, and give us 30 days to try to resolve it informally. We will do the same if we have a dispute with you.

If the dispute is not resolved informally, it will be resolved in the state courts located in Onslow County, North Carolina, or in the United States District Court for the Eastern District of North Carolina, and you and we consent to personal jurisdiction in those courts. Either of us may instead bring an individual action in small-claims court in Onslow County, North Carolina, or in the small-claims court of the county where you live, if the claim qualifies for that court.

This section does not require arbitration. Either of us may also seek temporary injunctive or other equitable relief in a court of competent jurisdiction to protect intellectual-property or unauthorized-use claims, without first waiting out the informal-resolution period, when waiting would cause irreparable harm.

15. Governing law

These Terms are governed by the laws of the State of North Carolina, without regard to conflict-of-laws rules. If a court with authority over you will not enforce the venue choice in Section 14, the rest of these Terms still apply, and the claim may be brought in a court of competent jurisdiction.

16. Changes

We may change, suspend, or discontinue the Service, including the model, the mascot, or voice features, at any time. If we make a material change to these Terms, we will post the updated Terms with a new effective date. If we have an email address you have given us for that purpose, we will also email you. Continued use after the new effective date means you accept the updated Terms. If you do not agree, stop using the Service.

17. Termination

You may stop using the Service at any time. We may suspend or end your access if you violate these Terms or the law, if we reasonably believe it is necessary to protect the Service, our providers, or other people, or if we discontinue the Service. Sections that by their nature should survive (including Sections 9 through 16) will survive termination.

18. General

If a court finds a provision of these Terms unenforceable, the remaining provisions will still apply. We may assign these Terms in connection with a reorganization, merger, or sale of assets; you may not assign them without our written consent. These Terms and the Privacy Policy are the entire agreement between you and us about the Service. Our failure to enforce a provision is not a waiver. The Service is operated from the United States.

Questions: Thought2Creations LLC, 1250 Western Blvd, Ste L2 #417, Jacksonville, NC 28546; contact@thought2creations.com; (910) 601-5122.