Terms of Service

01INTRODUCTION AND ACCEPTANCE

These Terms of Service govern your use of CIPHER's AI and security services platform, operated by keysa gaan OÜ ("we," "our," or "us"), registered at Pallasti tn 33-154, Lasnamäe linnaosa, Tallinn, Harju maakond, 11416, Estonia, Registry code: 17531664.

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.

02SERVICES DESCRIPTION

CIPHER provides an AI and security services platform connecting clients with vetted specialists. Our services include:

• +Access to verified AI and cybersecurity specialists
• +Credit-based payment system for services
• +AI-powered specialist matching
• +Platform tools for service delivery and communication

03ELIGIBILITY & RESTRICTIONS

Access to Cipher is restricted. Before you create an account or buy credits, confirm that all of the following apply to you:

• +Age: you are at least 18 years old. By creating an account you confirm this. Cipher is not intended for, and may not be used by, anyone under 18.
• +Legal capacity: you are able to enter into a binding contract under the law of your country, and you are acting for yourself or with authority to bind the organisation you are buying for.
• +Geography: Cipher does not provide services to anyone located in, or ordinarily resident in, a country or region subject to applicable trade or financial sanctions — currently Russia, Belarus, Iran, North Korea, Syria and Cuba. This is enforced at registration, at every sign-in, and on every page request, using the country of your email domain, the country of your phone number, and the country your connection resolves to. A request from a restricted country is refused with an HTTP 451 “Unavailable For Legal Reasons” response, and registration or sign-in with a restricted email address or phone number is declined.
• +Accurate details: the name, email address and phone number on your account are your own and correct. We may suspend an account whose details we cannot verify.
• +Payment: you pay with a Visa or Mastercard you are authorised to use.
• +Specialists: offering services on Cipher is subject to further requirements, set out in the Specialist Service Terms.

If you do not meet these requirements you may not use the platform. We may suspend or close any account that does not meet them, or stops meeting them.

04CONSUMER RIGHTS (EU)

3.1 Right of Withdrawal

As a consumer in the European Union, you have the right to withdraw from credit purchases within 14 days of purchase without giving any reason, in accordance with the EU Consumer Rights Directive. To exercise this right, contact us at support@cipher.builders with your order details.

If you request services to begin during the withdrawal period and the service is fully performed, you may not be entitled to withdraw or may be required to pay proportionate costs for services rendered.

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 applicable EU consumer protection laws.

05CREDIT SYSTEM

4.1 Credit Purchases

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

Exchange rate: 10 credits = 1 EUR. All prices are displayed in Euros.

4.2 Credit Terms

• +Credits do not expire
• +Credits are non-transferable between accounts
• +Unused credits may be refunded within 30 days of purchase
• +Credits are debited only when services are successfully completed

06USER OBLIGATIONS

You agree to:

• +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 Estonian, EU, and local laws
• +Confirm that you are not accessing the platform from, or ordinarily resident in, a jurisdiction subject to applicable trade or financial sanctions (access from sanctioned jurisdictions, currently including Russia, Belarus, Iran, North Korea, Syria and Cuba, is restricted and enforced at registration, at sign-in and on every page request)

07PAYMENT TERMS

All payments are processed securely through authorized payment providers. We accept Visa and Mastercard.

You will receive an invoice for each purchase via email.

Specialists are additionally bound by the Specialist Service Terms and must complete identity verification before receiving any payout. The platform retains a 20% platform fee and Specialists receive 80% of the service price. Specialist Service Terms.

08REFUND POLICY

See our dedicated Refund Policy for complete details.

In summary: Unused credits may be refunded within 30 days. Credits used for completed services are generally non-refundable, though we maintain a satisfaction guarantee and will work to resolve any issues.

09INTELLECTUAL PROPERTY

All platform content, trademarks, and intellectual property remain the property of keysa gaan OÜ or our licensors.

Deliverables from consulting engagements: Ownership and licensing terms will be specified in individual engagement agreements between you and the specialist.

10LIABILITY

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 EU or Estonian 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.

11DATA PROTECTION

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

12TERMINATION

You may close your account at any time. We may suspend or terminate accounts for violations of these Terms, with notice where reasonably possible.

Upon termination, unused credits may be refunded in accordance with our refund policy. Completed services and their terms survive termination.

13DISPUTE RESOLUTION

These Terms are governed by and construed in accordance with the laws of Estonia, and any disputes shall be subject to the exclusive jurisdiction of the courts of Estonia.

In the event of a dispute, we encourage you to contact us first at legal@cipher.builders to seek an amicable resolution.

If you are a consumer resident in the European Union, you retain the right to bring proceedings in the courts of your country of residence, and nothing in these Terms limits any mandatory statutory rights available to you under EU law.

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

14HOW YOU RECEIVE THE SERVICE

Once your order is accepted, the assigned specialist delivers the work and communicates with you entirely through the in-platform chat on your dashboard. All files, updates, and completed deliverables are provided in that chat — there is nothing to install or collect elsewhere.

15REGULATORY STATUS & DISCLAIMERS

keysa gaan OÜ operates Cipher as an online marketplace. We are not a bank, an e-money institution, a payment institution, an investment firm or an insurer, and we are not authorised or supervised as a provider of regulated financial services in Estonia or anywhere else.

Credits are prepaid units of account that can only be used to pay for services on Cipher. They are not electronic money, a deposit, a security, or a crypto-asset. They carry no interest, are non-transferable between accounts, and are redeemable for cash only as set out in our Refund Policy.

Card payments are processed by authorised payment service providers, not by us. We do not store your full card details.

Cipher is a venue. We match buyers with independent Specialists and handle payment, but we are not a party to the service contract between you and a Specialist and we do not supply the services ourselves. Specialists are independent contractors, not our employees or agents.

Nothing delivered through Cipher is legal, medical, tax, investment or regulated financial advice, and it must not be relied on as such. You are responsible for deciding whether a deliverable is fit for your purpose and for complying with the law that applies to you, including any export control, data protection or sector-specific rules governing the work you commission.

We apply sanctions screening and identity checks in order to meet our obligations under Estonian and EU law. We may refuse, delay, suspend or reverse a transaction, and may close an account, where we reasonably believe that is necessary to comply with them.