Terms of Service

Last updated 8 June 2026

1. Introduction

Welcome to Pip (pip.app). These Terms of Service ("Terms") govern your use of the Pip application and related services ("Service").

The Service is operated by Chxrles LTD, trading as Pip Decks, a company registered in England and Wales (company number 11587388). Our registered address is Merchants House, Market Place, Stockport, England, SK1 1EU. In these Terms, "we", "us", and "our" mean Chxrles LTD, and "you" and "your" mean the person who creates an account or uses the Service.

Chxrles LTD is the data controller for the personal data we process about you. We handle that data in line with our Privacy Policy, which explains what we collect, how we use it, who processes it on our behalf, and how you can exercise your rights under UK and EU data protection law and applicable US state privacy laws (including the California Consumer Privacy Act as amended by the California Privacy Rights Act (CPRA)). If you live in another country whose law gives you privacy rights (for example Canada under PIPEDA or Quebec Law 25, Switzerland under the revised Federal Act on Data Protection, or Australia under the Privacy Act 1988), those rights apply too, and our Privacy Policy explains how to exercise them.

We are registered with the UK Information Commissioner's Office (ICO) under registration number ZC117586.

We have appointed our representative in the European Union under Article 27 of the EU GDPR. You can contact our representative about your personal data via privacy@pipdecks.com. The Privacy Policy carries the same representative details. We will publish our representative's full contact details here once the appointment is finalised.

By creating an account or using the Service, you agree to these Terms. If you do not agree, please do not use the Service.

Questions? Contact us at support@pipdecks.com.

2. Definitions

In these Terms:

3. Service Description and AI Disclosure

Pip is a product made by Pip Decks. The chat feature is powered by leading large language models, primarily Anthropic's Claude, with failover to OpenAI's models where Anthropic is unavailable. Pip personalises tactics from the Pip Decks library to help you with communication, storytelling, strategy, and related skills. For the complete and current list of the sub-processors that process your data, see the sub-processor section of our Privacy Policy.

You are interacting with an AI system, not a human. Chat responses are generated by an AI system and are not written or reviewed by a person before you receive them. We tell you this here, and again in the product when you first start a chat, so that you always know you are dealing with an AI system. That is how we meet our own transparency duty as the operator of this AI chat service, including under Article 50 of Regulation (EU) 2024/1689 (the EU AI Act).

Pip uses large language models to generate chat responses based on Pip Decks content. While we strive for accuracy, AI-generated responses may sometimes be incomplete, inaccurate, or unsuitable for your specific situation.

Where you reproduce, share, or publish AI-generated output, you may have your own separate legal obligation to disclose that the content is AI-generated. In the European Union, Article 50 of the EU AI Act may require you to make that disclosure when you deploy or share AI output. Pip does not apply a watermark or other machine-readable marking to chat output, so it is your responsibility to make any disclosure your own situation requires. Section 13 sets out your wider responsibilities for output you choose to use.

4. No Professional Advice

The Service provides general guidance and educational content only. Nothing provided by Pip constitutes professional, legal, financial, medical, or therapeutic advice.

You should always seek appropriate professional advice before making decisions based on information from Pip. We accept no liability for actions taken based on AI-generated responses, except to the extent your statutory rights require otherwise.

5. Account and Registration

You must be at least 16 years old to use the Service. By registering, you confirm that you meet this age requirement. We do not knowingly collect personal data from anyone under 16. Our Privacy Policy explains how we handle a suspected under-age account.

You sign up using email authentication: we send a one-time code to your email address and you enter it to sign in. We do not offer social sign-in (such as Google or Apple). You are responsible for keeping access to your email account secure and for all activity that occurs under your account.

You must provide accurate information when registering and keep it up to date, including the email address on your account, which we use to contact you (see section 21).

6. Subscription, Billing and Auto-Renewal

Pip is offered on monthly and yearly subscription plans. Prices vary by currency and are shown in full at checkout before you confirm. Applicable taxes (VAT, GST, HST, or US state sales tax) are either included in the displayed price or added at checkout, depending on your country. You will always see the final amount before you pay.

All subscriptions auto-renew at the end of each billing period unless you cancel before the renewal date. You can cancel at any time from your account settings.

Payments are processed securely by Stripe. We do not store your full payment card details.

We may change the price of your subscription. We will give you at least 30 days' written notice (by email) before any new price applies to your next billing period. If you do not want to pay the new price, you can cancel before the new price takes effect and you will not be charged the new amount. Your existing prepaid period is unaffected.

7. Free Trial

Where we offer a free trial, the trial length and any payment-card requirement are shown to you before you start it. The terms presented at sign-up govern your trial.

You will not be charged during the trial period. If you do not cancel before the trial ends, your subscription will automatically begin and your card will be charged at the applicable rate.

Free trials are limited to one per person. We reserve the right to revoke trial access if we detect abuse.

8. Reminders and Easy Cancellation

Reminder before your first charge

If your plan includes a free trial, we will email you a reminder at least 3 days before your free trial ends and your first paid charge is taken, telling you the date the trial ends and how to cancel.

We will always give you the reminders that the law requires before any payment is taken from you. Today, where your plan includes a free trial, that means the pre-charge trial reminder described above. Where the law of the country in which you live additionally requires reminders before a paid subscription auto-renews, we will give those reminders once that requirement is in force and applies to your plan.

Cancelling is as easy as signing up

You can cancel your subscription at any time from Settings then Subscription on pip.app. Cancellation takes effect immediately for the purposes of stopping future charges; your access continues until the end of the period you have already paid for. We do not require you to call, email, chat, or pass through retention prompts to cancel. If our cancellation flow is unavailable for any reason, emailing support@pipdecks.com with the words "cancel my subscription" is sufficient and effective on the date we receive your email.

Nothing in this section limits your rights under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, the Digital Markets, Competition and Consumers Act 2024, or any equivalent consumer or automatic-renewal law that applies where you live.

9. Cancellation and Refunds

Your 14-day cooling-off right (UK consumers)

If you are a consumer resident in the United Kingdom, under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 you have a statutory right to cancel your subscription within 14 days of entering into it, for any reason, without giving a reason. To cancel within this period, email support@pipdecks.com with "I want to cancel" and your account email, or use our model cancellation form available on request. Cancellation takes effect on the date we receive your message.

Your 14-day withdrawal right (EU and EEA consumers)

If you are a consumer resident in the European Union or the European Economic Area, you have an equivalent 14-day right to withdraw from your subscription under the EU Consumer Rights Directive 2011/83/EU (as amended, including by Directive (EU) 2019/2161) and, for digital content, the Digital Content Directive (EU) 2019/770. The 14-day period and the cancellation method are the same as set out above for UK consumers. Where you ask us to begin providing the Service before the end of the withdrawal period, you give your express consent to immediate performance and acknowledge that you will lose your right of withdrawal once the Service has been fully performed, in the form required by Article 16(a) and (m) of the Consumer Rights Directive. We confirm that consent and acknowledgement to you on a durable medium.

If your local law gives you a different right

Where the law of the country in which you habitually reside gives you a longer or different cancellation or withdrawal right, that local right applies and nothing in these Terms reduces it.

Refunds during the cooling-off or withdrawal period

If you cancel within the 14-day period, we will refund the amount you have paid in full within 14 days of the date we receive your cancellation, using the same payment method you used to pay. Where you have asked us to begin providing the Service during that period and we have given you the durable-medium confirmation of your express consent and your acknowledgement that you will lose the cancellation right once the Service is fully performed, we may deduct an amount in proportion to what has been supplied to you up to the point of cancellation, calculated by reference to the total contract price. Any such proportionate deduction is calculated only by reference to the paid Service supplied to you after your first paid period begins. We never deduct anything for use during a free trial, for which you pay nothing.

After the cooling-off or withdrawal period

You can cancel your subscription at any time after the 14-day period (see section 8). Cancelling stops future charges; your access continues until the end of the billing period you have already paid for. We do not refund prepaid periods after the cooling-off or withdrawal period has ended, except where you have a statutory right to a refund under the Consumer Rights Act 2015 (for example, where we have failed to perform the Service with reasonable care and skill, where the Service does not match a description we have given, or where we have otherwise breached your statutory rights) or under the equivalent law that applies where you live. To request a statutory refund, email support@pipdecks.com.

The 14-day cooling-off or withdrawal right runs from the day you enter into the subscription contract. Where you start with a free trial, the contract for the paid service is formed when your first paid period begins, and the right for that paid service runs from that date. We confirm the paid contract to you on a durable medium when it is formed. You will not be charged at any point during the free trial, and if you cancel before the first paid period begins you will not be charged at all.

10. Content Ownership and Intellectual Property

All Pip Decks content, card deck materials, branding, and the Service itself are owned by Chxrles LTD or its licensors and are protected by copyright and other intellectual property laws.

You retain ownership of any content you submit to the Service (such as chat messages). By using the Service, you grant us a limited licence to process your content solely to provide the Service to you.

You are responsible for the content you submit and for any use you make of AI-generated output. You confirm that the content you submit is content you have the rights to submit and that it does not infringe any third party's rights or break any law.

You agree to indemnify us against claims, losses, and reasonable costs we incur to the extent they arise from or relate to:

This indemnity is limited to losses that are a reasonably foreseeable result of your own breach or fault, applies only to the extent permitted by law and where it would not be unfair to you under the Consumer Rights Act 2015, and does not affect your statutory rights as a consumer. You accept the risk that AI-generated output may resemble existing third-party material at the point it is generated, as well as when you use it, and that the choice to use, keep, share, or publish that output is yours (see section 13).

You may not copy, redistribute, or create derivative works from Pip Decks content without our written permission.

11. Acceptable Use

You agree not to:

Where we publish a separate Acceptable Use Policy, it forms part of these Terms and sets out a fuller list of prohibited uses.

12. Data Usage for Training

We do not use your individual conversations to train AI models, and we contract with our model providers on terms that prohibit them from using your conversations to train their general models. Our model providers are Anthropic (our primary provider) and OpenAI (the provider we fail over to where Anthropic is unavailable).

Our model providers may retain conversation data in accordance with their own terms and applicable law, including for security and abuse-detection purposes. We do not have a zero-data-retention arrangement with them, so the retention periods that apply are those set out in each provider's own terms. The sub-processor section of our Privacy Policy describes the position for each provider.

During an Anthropic outage, your live conversation is routed to OpenAI so that the Service keeps working. OpenAI then processes those messages under its own terms and applies its own retention. The sub-processor section of our Privacy Policy names both providers.

To personalise your experience, we extract short facts from your conversations and store them as memories in our own database. These memories are held by us directly, in the same database that holds your conversation history, and are not used to train AI models. You can view and delete your memories at any time from Settings then Memory on pip.app, and we explain how memory works in full in our Privacy Policy.

We may use anonymised, aggregated usage patterns (such as which features are popular) to improve the Service, but we will never use your individual conversations for AI training.

For the complete and current list of every sub-processor that processes your data and the role each one plays, see the sub-processor section of our Privacy Policy.

13. AI Output Disclaimers

AI-generated responses may contain errors, inaccuracies, or outdated information. You should always verify important information independently before relying on it.

Pip's responses are generated by large language models, namely Anthropic's Claude and, in failover, OpenAI's models, drawing on Pip Decks content and the model's training data.

We do not guarantee that the Service will meet your specific requirements or that AI-generated outputs will achieve any particular result.

AI-generated output may resemble existing third-party material at the moment it is generated, before you do anything with it, as well as when you use, share, or publish it. You accept that risk at the point of generation, not only at the point of any later use. You are responsible for checking that any output you use, share, or publish does not infringe a third party's rights or break any law, and for making any disclosure that it is AI-generated where the law requires it (see section 3). We give no warranty that output is original or non-infringing, and, to the extent the law allows, you use AI-generated output at your own risk and on your own judgement.

14. As Is, No Warranty, and Statutory Rights

We provide the Service with reasonable care and skill, as required by the Consumer Rights Act 2015 section 49. Because Pip uses large language models, we do not guarantee that any specific response will be accurate, complete, free from error, or suitable for your particular situation. You should always verify important information independently and apply your own judgement before acting on it.

Except for the non-excludable statutory rights expressly preserved below and our obligation to supply the Service with reasonable care and skill under section 49 of the Consumer Rights Act 2015, the Service and all AI-generated output are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we exclude all other warranties, conditions, and representations, whether express or implied, including any implied warranty of satisfactory quality, fitness for a particular purpose, non-infringement, and any warranty that the Service will be uninterrupted, timely, secure, or error-free.

Nothing in these Terms removes or limits your statutory rights under the Consumer Rights Act 2015, the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, the Digital Markets, Competition and Consumers Act 2024, or any other consumer protection law that applies to you. In particular, we do not exclude the implied terms that the Service will be supplied with reasonable care and skill (s49), match any description we give of it (s50, s52), and conform to any pre-contract information (s50, s37). The "as is" exclusions above apply only to the extent the law allows them to apply to a consumer contract.

15. Limitation of Liability

Subject to the carve-outs below, our total aggregate liability to you for all claims arising in any 12-month period in connection with the Service is limited to the greater of:

The cap above does not apply to, and we do not exclude or limit our liability for:

Apart from those carve-outs, the cap applies to all of our liability to you, including liability for direct loss that was a reasonably foreseeable result of our breach. Nothing in this section limits any liability that cannot be limited under the Consumer Rights Act 2015, and nothing in this section operates to make any term unfair under section 62 of that Act. If any part of this section would otherwise be unfair to you as a consumer, it does not apply to you to that extent.

Subject to the carve-outs in this section and your non-excludable statutory rights, we are not liable for loss of profit, loss of business, business interruption, loss of anticipated savings, loss of goodwill, or loss or corruption of data, in each case to the extent that the loss was not a reasonably foreseeable consequence of our breach at the time you entered into these Terms. These exclusions are aimed at business and other atypical losses. They do not cut down your right as a consumer to a remedy if the core Service fails to work as it should, and they do not affect our duties to you in respect of your personal data.

16. Service Availability and Discontinuation

We aim to keep the Service available but do not guarantee uninterrupted access. We may need to suspend or restrict the Service for maintenance, updates, or reasons beyond our control. We will make reasonable efforts to give advance notice of planned downtime where possible.

We do not offer or commit to any specific uptime, service-level agreement, or availability target. The Service relies on third-party AI, hosting, and infrastructure providers, and may be subject to their rate limits, capacity controls, and outages. We meet the standard of care the law requires for availability by making reasonable efforts to maintain the provider capacity the Service needs to run. Temporary unavailability of the Service or of AI responses for these reasons is not a breach of these Terms. Subject to your non-excludable statutory rights, we are not liable for losses arising from Service unavailability.

If we decide to discontinue the Service permanently, we will give you at least 30 days' notice by email where that is reasonably practicable, and we will refund any prepaid period on a pro-rata basis. Where a provider failure or other event beyond our reasonable control forces us to stop the Service at shorter notice, we will give you as much notice as is practicable in the circumstances, and the shorter notice is not itself a breach of these Terms; the pro-rata refund still applies. The pro-rata refund of your prepaid period is your sole remedy for permanent discontinuation of the Service. This does not affect your statutory rights.

17. Force Majeure

We are not liable for any failure or delay in performing our obligations where caused by events beyond our reasonable control. These include failures of third-party providers, networks, hosting, or AI infrastructure, internet or telecommunications failures, denial-of-service or other attacks, acts of government, and natural events. This does not affect your non-excludable statutory rights or any refund owed to you under section 9 or section 16.

18. Your US State Privacy Rights

If you live in the United States, your state may give you privacy rights. This includes residents of California (under the California Consumer Privacy Act as amended by the CPRA) and of states with comparable laws such as Colorado, Connecticut, Virginia, Utah, Texas, and Oregon.

Chxrles LTD does not sell your personal data, and does not share it for cross-context behavioural advertising, as the terms "sell" and "share" are defined under the CCPA/CPRA and analogous state laws.

Subject to the conditions and exceptions in the law that applies to you, you have the right to:

Opt-out and Global Privacy Control. Because we do not sell or share your personal data, there is nothing for you to opt out of today. If we ever begin to sell or share personal data, we will, before any such processing begins, provide a clear "Do Not Sell or Share My Personal Information" link and recognise a recognised universal opt-out signal (including the Global Privacy Control (GPC) browser signal) as a valid opt-out request. Our Privacy Policy carries the same position.

Sensitive personal information. We do not use or disclose sensitive personal information, including anything you choose to type into chat, for any purpose beyond providing and securing the Service and meeting our legal obligations. Because we do not use it beyond those purposes, the CPRA right to limit the use of sensitive personal information is satisfied without any further step from you; our Privacy Policy explains this position in full.

Right to appeal. If we decline your privacy request, you may appeal that decision by emailing support@pipdecks.com with the words "privacy appeal". We will respond within the time your state law requires. If we still decline, we will tell you how to contact your state Attorney General.

To exercise any of these rights, email support@pipdecks.com. You may use an authorised agent to make a request on your behalf. We explain how we verify and respond to requests in our Privacy Policy.

If you live in another country whose law gives you privacy rights (for example Canada under PIPEDA or Quebec Law 25, Switzerland under the revised Federal Act on Data Protection, or Australia under the Privacy Act 1988), those rights apply, and our Privacy Policy explains how to exercise them.

19. Governing Law and Disputes

These Terms are governed by the laws of England and Wales.

If you are a consumer resident outside England and Wales, this choice of English law does not deprive you of the protection of any mandatory consumer-protection provisions of the law of the country where you habitually reside, which continue to apply to you.

You can bring legal proceedings either in the courts of England and Wales or in the courts of the country you live in, whichever you prefer. We will only bring legal proceedings against you in the courts of the country where you live.

If you are a consumer resident in the European Union or the European Economic Area: we are not obliged to use, and do not commit to using, any alternative dispute resolution (ADR) body. The EU online dispute resolution (ODR) platform was discontinued on 20 July 2025, so it is no longer available. For free help with a cross-border dispute, you can contact your national European Consumer Centre through the ECC-Net (eccnet.eu), or the consumer authority in the country where you live. This does not affect your statutory rights.

20. Complaints

If something has gone wrong, please tell us first so we have the chance to put it right. Email support@pipdecks.com with the word "complaint" and a short description. We aim to acknowledge your complaint within 5 working days and to give you a substantive response within 30 days.

Raising a complaint with us does not affect your right to take legal action under section 19, or to exercise any statutory right at any time.

For complaints about how we handle your personal data, our data-protection contact is support@pipdecks.com. You also have the right to lodge a complaint with a data-protection supervisory authority, without first complaining to us. In the United Kingdom that authority is the Information Commissioner's Office (ICO), which you can reach at ico.org.uk or by calling 0303 123 1113. If you live in the EU or EEA, you may complain to the supervisory authority in your country. Our Privacy Policy explains this in full.

If we cannot resolve your complaint, you can get free, impartial advice. In the UK, that is available from Citizens Advice at citizensadvice.org.uk or via the Citizens Advice consumer helpline. If you live in the EU or EEA, you can seek free advice from the European Consumer Centre (ECC) network in your country at eccnet.eu, or from your national consumer authority. This does not affect your right to take legal action under section 19.

21. Notices

Where we give you notice under these Terms, we will send it to the email address on your account. A notice sent this way is treated as received 24 hours after we send it. You are responsible for keeping the email address on your account current and accessible, and for checking it.

Where you give us notice under these Terms, send it to support@pipdecks.com. For formal legal notices, you may also write to us at our registered address: Chxrles LTD, Merchants House, Market Place, Stockport, England, SK1 1EU.

This section does not affect any statutory right you have to serve documents on us by other means.

22. Termination

You may close your account at any time from Settings then Subscription on pip.app, or by contacting us at support@pipdecks.com.

We may suspend or terminate your account if you materially breach these Terms. Except where the breach is incapable of cure, where it presents an immediate security or legal risk, or where it requires immediate action to comply with the law, we will give you reasonable notice and an opportunity to address the breach before suspending or terminating.

You can export your data at any time from your account settings. When you ask for an export, we produce a self-serve export bundle containing your conversation history and account data, which you can download before any deletion takes effect. You can also exercise your data portability rights under our Privacy Policy. The timing for export availability after a deletion request is set out in the retention section of our Privacy Policy.

On termination, your right to use the Service ends. We will retain or delete your data in accordance with our Privacy Policy. When you delete your account, we delete your personal data within one month, except where we are required by law to retain certain records (such as billing records).

Sections 10 (Content Ownership and Intellectual Property), 14 (As Is, No Warranty, and Statutory Rights), 15 (Limitation of Liability), 16 (Service Availability and Discontinuation), 17 (Force Majeure), 18 (Your US State Privacy Rights), 19 (Governing Law and Disputes), 21 (Notices), 23 (Entire Agreement), 24 (Severability), 24a (No Waiver), 25 (Assignment), 26 (Third-Party Rights), and any other provision that by its nature should survive will continue to apply after termination.

23. Entire Agreement

These Terms, together with our Privacy Policy and any Acceptable Use Policy we publish, form the entire agreement between you and us about the Service and replace any earlier agreement, representation, or understanding about it. Nothing in this section limits or excludes any liability for fraud or fraudulent misrepresentation, or affects your statutory rights as a consumer.

These Terms are written and concluded in English. Where we provide a translation, the English version prevails in the event of any conflict, except where the mandatory law of the country in which you live requires otherwise.

24. Severability

If any provision of these Terms is found to be invalid or unenforceable, that provision will be severed or read down to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

24a. No Waiver

If we do not enforce a right or provision of these Terms, that is not a waiver of that right or provision, and it does not prevent us from enforcing it later. A single or partial exercise of a right does not prevent any further exercise of it. This does not affect your statutory rights.

25. Assignment

You may not transfer your rights or obligations under these Terms to anyone else without our consent.

We may transfer our rights and obligations under these Terms to an affiliate or to a buyer of our business, provided this does not reduce your rights under these Terms. If a transfer materially prejudices you, you may cancel your subscription and we will refund any prepaid period on a pro-rata basis.

Where any such transfer involves your personal data, we will handle that data in accordance with our Privacy Policy and applicable data-protection law. Nothing in this section authorises a transfer of your personal data that those would not permit.

26. Third-Party Rights

A person who is not a party to these Terms has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any of its terms. This does not affect any right or remedy that exists, or is available, apart from that Act.

27. Accessibility

We want the Service to be usable by as many people as possible. If you have difficulty using the Service because of a disability, or you want to give us feedback about its accessibility, please email support@pipdecks.com and we will do what we reasonably can to help.

28. Changes to These Terms

We may change these Terms from time to time, for example to reflect changes in the law, regulator guidance, or how the Service works.

For any change that materially reduces your rights or increases your obligations, we will give you at least 30 days' notice by email and you may cancel during that notice period without penalty if you do not wish to accept the change. Your existing prepaid period will be refunded on a pro-rata basis where applicable.

For minor or clarifying changes (such as updating a contact address or improving the wording without changing meaning), we will post the updated Terms with a new "Last updated" date and the change takes effect from that date.