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Karen AI - Terms of Service

Effective date: 29 June 2026

In plain terms: Karen AI is a paid self-help tool that helps you draft your own consumer disputes, refund requests, cancellations, and complaints. It is not a law firm, it does not give legal advice, and it does not guarantee any outcome. Plans are subscriptions that renew automatically until you cancel, you can cancel at any time, and you can request a full refund within 30 days of your first purchase. The full text below has the details, including some important disclaimers and limits on our responsibility.

These Terms of Service (the "Terms") govern your access to and use of the website at karenfights.com (the "Site") and the Karen AI subscription service described below (together, the "Service"). The Service is operated by The Pai Company ("we," "us," or "our"). Please read these Terms carefully. They include important disclaimers, automatic renewal terms, and limitations on our responsibility to you.

1. Acceptance of These Terms

By accessing the Site, creating an account, purchasing a subscription, or otherwise using the Service, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated here by reference. If you do not agree to these Terms, please do not use the Service.

If you are using the Service on behalf of an organization or household, you represent that you have authority to bind that organization or household to these Terms, and "you" refers to both you and that organization or household.

2. What Karen AI Is

Karen AI is a paid self-help tool designed to help everyday consumers prepare their own consumer disputes, refund requests, cancellation notices, and complaints. The Service helps you draft and organize documents that you choose to send, on your own behalf, to companies, sellers, or other parties.

You remain in control at all times. You decide what information to provide, whether to use any draft the Service produces, and whether and how to send it. The Service supports your own decisions. It does not act for you or make decisions on your behalf.

Karen AI is not a law firm. It does not provide legal advice or legal representation, it is not a substitute for a licensed attorney, and it does not guarantee any particular outcome. Section 11 sets out these disclaimers in full.

3. Eligibility and Age

You must be at least 18 years old (or the age of majority in your place of residence, if higher) to create an account, purchase a subscription, or use the Service. By using the Service, you represent and warrant that you meet this requirement and that the information you provide is accurate. The Service is not directed to children, and we do not knowingly collect information from anyone under 18.

4. Accounts

To use the Service you create an account using your email address. You are responsible for keeping your account credentials secure and for all activity that happens under your account. You agree to provide accurate account information and to keep it current.

If you believe your account has been accessed without your permission, please contact us promptly at support@karenfights.com so we can help secure it. A Family or Household plan may be used by members of your household, and you are responsible for their use of the Service under your account.

5. Subscriptions, Billing, and Automatic Renewal

Karen AI is sold as an auto-renewing subscription. By purchasing a plan, you authorize us and our payment processor to charge you on a recurring basis as described below until you cancel. You can cancel at any time, as described in Section 6, and cancelling stops future renewal charges.

5.1 Plans and Prices

We offer the following plans, in United States dollars:

Prices are exclusive of any taxes that may apply, which will be added where required. We may change our prices from time to time. If we change the price of a plan you are subscribed to, we will give you advance notice, and any price change will take effect at your next renewal so you can cancel before it applies.

5.2 Recurring Charges and Auto-Renewal

Your subscription renews automatically, and you will keep being charged until you cancel. At the end of each billing period (each month for the Monthly plan, each year for the Annual and Family / Household plans), your subscription will automatically renew for another period of the same length, and your payment method will be charged the then-current price for that plan, unless you cancel before the renewal date. This continues until you cancel. There is no separate step required to keep your subscription active. It stays active, and you keep being billed, until you cancel.

By subscribing, you acknowledge and agree to these recurring, automatically renewing charges. You can stop them at any time by cancelling, as described in Section 6.

5.3 Payment via Stripe

Payments are processed by Stripe, our third-party payment processor. When you subscribe, you provide your card or payment details directly to Stripe. We do not store your full card number or other sensitive payment details. Stripe handles and stores those details under its own terms and privacy policy. We receive from Stripe only the information we need to manage your subscription, such as whether a payment succeeded and your subscription status. You authorize Stripe to charge your payment method for the recurring charges described in these Terms. If a payment fails, we or Stripe may retry the charge, and we may suspend or cancel your subscription if payment cannot be collected.

6. Cancellation

You can cancel at any time, and cancelling is simple. You may cancel your subscription at any time, either through your account or by contacting us at support@karenfights.com. We will not make you call, wait, or jump through extra steps to cancel, and cancelling is at least as easy as signing up.

When you cancel, your cancellation takes effect at the end of your current paid billing period. You keep access to the Service until the end of that period, and you will not be charged for any further renewals. Cancelling stops future renewal charges. It does not, by itself, trigger a refund of the period you are already in, except as described in the 30-day money-back guarantee below.

7. 30-Day Money-Back Guarantee and Refunds

We offer a 30-day money-back guarantee on your initial purchase. If you are not satisfied, you may request a full refund of your first subscription payment within 30 days of that initial purchase by contacting us at support@karenfights.com. We will refund the amount you paid for that initial purchase, and your subscription will end.

To request a refund under this guarantee, contact support and let us know you would like a refund. You do not need to give a reason. Refunds are issued to the original payment method through Stripe and may take a few business days to appear, depending on your bank or card issuer.

Outside the 30-day money-back guarantee, payments are generally non-refundable, and cancelling stops future charges rather than refunding the current period. Nothing in this section limits any refund or cancellation rights you may have under the mandatory consumer-protection laws of the place where you live.

8. Acceptable Use and Prohibited Conduct

You agree to use the Service only for lawful purposes and in line with these Terms. You agree that you will not:

We may investigate and take appropriate action against anyone who, in our reasonable judgment, violates this section, including removing content and suspending, restricting, or terminating access to the Service.

9. Your Responsibilities and the Accuracy of Your Information

You are solely responsible for the information you provide to the Service and for anything you choose to do with the materials it helps you prepare. This includes deciding whether a draft is accurate, appropriate, and suitable before you rely on or send it.

The quality of anything the Service helps you produce depends on the accuracy and completeness of what you put in. We are not responsible for outcomes that result from incorrect, incomplete, or misleading information you provide, or from your decision to send, withhold, or rely on any document. You are responsible for reviewing and verifying all content before you use it.

10. Intellectual Property

The Service, including the Site, the Karen AI name and branding, text, graphics, layout, software, and other content we provide (excluding information you submit), is owned by us or our licensors and is protected by intellectual property and other laws. Subject to your compliance with these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your own personal, non-commercial use.

You may not use our names, logos, or branding without our prior written permission. As between you and us, you keep ownership of the information you submit and of documents you create for yourself using the Service. You grant us a limited license to use the information you submit only as needed to operate the Service and to contact you as described in these Terms and our Privacy Policy.

If you send us feedback, suggestions, or ideas about the Service, you agree that we may use them without obligation or compensation to you.

11. Important Disclaimers - Karen AI Is Not a Law Firm

Please read this section carefully. It is consistent with the disclaimers shown on the Site.

If you need advice about your legal rights or obligations, please consult a qualified, licensed attorney in your jurisdiction.

11.1 Service Provided "As Is"

The Service is provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, or statutory. To the fullest extent permitted by law, we disclaim all warranties, including any implied warranties of merchantability, fitness for a particular purpose, title, accuracy, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, secure, or that any content will be accurate or reliable. Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.

12. Limitation of Liability

To the fullest extent permitted by applicable law, we and our owners, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or other intangible losses, arising out of or relating to your use of, or inability to use, the Service, even if we have been advised of the possibility of such damages.

To the fullest extent permitted by applicable law, our total liability for all claims relating to the Service will not exceed the total amount you paid us for the Service in the twelve months before the event giving rise to the claim. Some jurisdictions do not allow certain limitations of liability, so some of these limitations may not apply to you.

13. Indemnification

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless The Pai Company and its owners, officers, employees, and agents from and against any claims, liabilities, damages, losses, and reasonable expenses (including legal fees) arising out of or related to: (a) your use or misuse of the Service; (b) information you submit through the Service; (c) any document you prepare, send, or rely on; or (d) your violation of these Terms or of any law or the rights of any third party.

14. Termination

You may stop using the Service and cancel your subscription at any time as described in the Cancellation section above.

We may suspend or terminate your access to the Service at any time if we believe you have violated these Terms, if payment cannot be collected, or as otherwise reasonably necessary to protect the Service or other users. If we terminate your subscription without cause, we will provide a pro-rated refund for the unused portion of your current paid period where required by law. Sections of these Terms that by their nature should survive termination, including those on intellectual property, disclaimers, limitation of liability, indemnification, and governing law, will continue to apply after termination.

15. Changes to the Service and to These Terms

We may modify, improve, or discontinue parts of the Service over time. We may also update these Terms from time to time. When we make material changes, we will update the "Effective date" above and, where appropriate, provide additional notice. If a change affects your subscription pricing or renewal terms, we will give you advance notice and the change will take effect at your next renewal. Your continued use of the Service after changes take effect means you accept the updated Terms. If you do not agree to the updated Terms, please stop using the Service and cancel your subscription.

16. Governing Law

These Terms, and any dispute arising out of or relating to them or the Service, will be governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws rules.

Nothing in these Terms removes any rights you may have under the mandatory consumer-protection laws of the place where you live that cannot be waived by agreement.

17. General

These Terms, together with our Privacy Policy, are the entire agreement between you and us regarding the Service. If any provision is found to be unenforceable, the remaining provisions will stay in full effect. Our failure to enforce any provision is not a waiver of it. You may not assign or transfer these Terms without our consent. We may assign them in connection with a merger, acquisition, or sale of assets. Headings are for convenience only.

18. Contact

If you have questions about these Terms, your subscription, cancellation, or a refund, you can contact us at: