Terms of Service

By accessing CashAvatar.io, the Cash Avatar member app at app.cashavatar.io (together, the "Services"), or by purchasing any product presented on this website, you agree to these Terms and to any offer-specific conditions shown before checkout. If you do not agree, do not use the Services or purchase the program. You must be at least 18 years old to use the Services.

Cash Avatar is a software platform that helps you create short marketing videos presented by AI-generated avatars. Depending on what you purchased, it lets you choose a niche and an avatar, write scripts with AI, generate voices and videos, schedule posts or prepare them for manual posting, create link pages, and use optional modules (Signature Avatars, Storefront, Viral Clone, Audience Builder and Agency). The exact contents, features and prices of each product are those shown on its offer and checkout pages at the time of purchase.

Access is delivered electronically to the email address used for your order. You are responsible for providing accurate information, keeping your login details secure, and for all activity under your account. One account is for one person; accounts may not be shared or resold. We may suspend or close an account that breaks these Terms, is used fraudulently, or is subject to a chargeback.

One-time purchases (the Cash Avatar platform and its modules) give you access to that product for as long as we offer the Services. Plans (Starter, Pro and Agency) give access for each 30-day period paid; renewal and cancellation work as described at checkout. Payments for the program, modules and plans are processed by Explodely; credit packs may be processed by Chariow. We never receive your full card number. For receipts and billing questions, contact Explodely Billing Support.

Video generation uses credits. One credit equals one second of AI Presenter on screen in Standard quality, and two credits per second in Advanced quality. Scripts, voices, captions, product scenes from your own photos and scheduling do not use credits. Credits are reserved when you start a video, settled on the actual avatar time, and returned automatically if a video fails. Plan credits renew every 30 days and do not roll over. Purchased credits do not expire while your account is active. Credits have no cash value and cannot be transferred, sold or exchanged. Credit packs are non-refundable. Credits included with a program or plan purchase are removed if that purchase is refunded.

Unless you own Agency, your purchase grants a limited, personal, non-exclusive, non-transferable license to use the Services to create and publish content for your own social media accounts and your own affiliate promotions. You may not resell, rent or sublicense access to the Services, share your account, make videos for other businesses in exchange for payment, copy or reverse engineer the software, or redistribute CashAvatar.io materials except where a separate license (sections 7 and 8) allows it.

If you own Agency (as a module or through the Agency plan), you may use the Services to create videos for up to 10 client businesses at a time and charge your clients for that work. You may not give clients access to your account, resell or white-label the software itself, or exceed your client limit. You are responsible for your agreements with clients, for having the right to use their logos, photos and content, and for telling them that their videos are made with AI. Client videos use your own credits.

If you own Storefront, the guides provided in the module may be sold under the Resell Rights License shown in the app, which forms part of these Terms. Cash Avatar does not process those sales: you are the seller and are responsible for your payment platform, delivery, customer support, refunds, taxes and consumer-protection obligations.

The presenters in Cash Avatar videos are AI-generated. They are not real people, they have not used any product, and they do not represent anyone's real experience. You must not present an avatar as a real customer, claim personal use or personal results on its behalf, or remove or hide AI labels that a platform requires. You must not use the face, likeness or voice of a real person without that person's written consent. Signature Avatars are assigned to you exclusively and are never reassigned to another member; this gives you a license to use them through the Services, not ownership of the underlying images, voices or models.

You own the scripts, captions and videos you create, subject to third-party rights and these Terms, and you grant us the license needed to store, process and deliver them to provide the Services. You are the publisher of everything you post and you are responsible for it, including: clear affiliate disclosures (such as "#ad") under FTC rules; the rules of each affiliate program you use (for example, Amazon Associates does not allow prices in videos or Amazon links in emails); the rules of each social platform; and avoiding medical, health, income or results claims. The Services include checks to help you, but they do not replace your own judgment or legal advice.

Only upload videos you have the right to use. Uploaded videos are analyzed for their structure only and are deleted right after analysis. We do not keep, republish or redistribute uploaded videos, and rebuilt scripts are written as original content.

When you use Audience Builder, you send emails through your own email service and you are the sender. You must collect valid consent (the double opt-in provided by the Services), honor unsubscribe requests, include a valid postal address in your emails, and comply with CAN-SPAM, GDPR and any other law that applies to you. Amazon affiliate links may not be used in emails.

You may not use the Services for anything unlawful, deceptive, hateful, sexually explicit, violent or harmful; to impersonate any person, brand or CashAvatar.io; to infringe intellectual-property or privacy rights; to send spam; to attempt unauthorized access, scraping or interference with the Services; or to bypass the credit system or usage limits. We may remove content or suspend accounts that break these rules.

The Services rely on third-party providers for hosting, payments, email delivery, AI processing, video processing and storage, and work with social platforms and affiliate networks that have their own terms. Their availability, features and rules may change, which may affect some features. We are not responsible for third-party services or for decisions made by social platforms or affiliate networks about your accounts.

We do not promise earnings, sales, views, followers or any specific outcome. Results depend on your niche, products, effort, consistency, audience, platform decisions, market conditions and other factors outside our control. See our Earnings Disclaimer.

Every purchase of the Cash Avatar program, its modules and its plans is covered by our 60-day money-back guarantee; credit packs are non-refundable. See the Refund Policy. A refund removes access to the refunded product.

We may improve, change or discontinue features to keep the Services working, secure and compliant. We make reasonable efforts to keep the Services available but do not guarantee uninterrupted operation.

The Services and materials are provided "as is" and "as available". To the fullest extent permitted by law, CashAvatar.io and Ryan Davis are not liable for indirect, incidental, special or consequential losses, lost profits or lost data, and our total liability for any claim is limited to the amount you paid us in the 12 months before the claim.

You may stop using the Services at any time and request account deletion by emailing hello@cashavatar.io. We may suspend or end your access if you break these Terms. When access ends, your right to use the Services ends; Signature Avatars assigned to you remain reserved and are not given to another member.

Our Privacy Policy explains how we handle your personal information.

We may update these Terms. We will post the new version on this page with its date. Continued use after an update means you accept the revised Terms.

Questions about these Terms: hello@cashavatar.io or +1 (404) 844-4651.