Terms of Service

Last updated: 2026-08-21

Welcome to Paibao (PaiBao, "we", "us"). The service is operated by Hongsen Interconnect (Beijing) Technology Co., Ltd. (registered address: Beijing, China), with research and technical support provided by its affiliate Hangzhou Muyan AI Software Co., Ltd..

These Terms of Service ("Terms") apply to your access to and use of the Paibao website, console, AI digital workers and related products and services (together, the "Service").

By creating an account, subscribing to a plan, purchasing a product or otherwise using the Service, you confirm that: (a) you are at least 18 years old and have full legal capacity; (b) you have read, understood and agree to be bound by these Terms; (c) you agree to our Privacy Policy; and (d) if you use the Service on behalf of a company or organisation, you are authorised to bind that entity.

If you do not agree to these Terms, please stop using the Service. Continued use after an update means you accept the updated Terms.

1.1 What we provide. Paibao is an AI digital-workforce platform for exporters and cross-border businesses, delivered over the internet as software-as-a-service. Core capabilities include:

1.2 Nature of the Service. The Service is an intangible digital product. Access is provisioned, or the product delivered, immediately upon confirmation of payment. Because of that immediate delivery, refunds are subject to the specific rules in Section 7.

1.3 Dependence on AI providers. Parts of the Service rely on third-party model providers including OpenAI, Anthropic, Google and DeepSeek. Performance and availability may be affected by their operational status. We will notify you promptly of any material disruption.

1.4 Third-party platforms. Some features operate through third-party messaging platforms (such as WhatsApp, Telegram and email providers). Those platforms are operated independently, and their availability, rules and policy changes are outside our control. You are responsible for ensuring your use complies with each platform's terms; you bear the consequences if your account there is restricted because of your breach of their rules.

1.5 Changes to the Service. We may adjust, add or retire features. Where a change materially affects a paid plan, we will give notice under Section 15.

2.1 Eligibility. An account is required. You must be at least 18 and have full legal capacity. The Service is intended for businesses and professional users, not for minors.

2.2 Account information. You agree to provide accurate, complete and current registration details, including a valid billing email, and to keep them up to date. You bear the consequences of undelivered notices or service interruption caused by inaccurate or outdated details.

2.3 Account security. You are responsible for safeguarding your credentials and for all activity under your account. Do not share credentials with any third party. Contact us at hi@paibao.ai immediately if you suspect unauthorised use.

2.4 Business accounts. If you register for a company or organisation, you represent that you are authorised to accept these Terms on its behalf, and that entity is jointly responsible with you.

2.5 Restrictions. We may decline service to parties subject to applicable sanctions, to parties previously terminated for breach of these Terms, and to anyone legally barred from using the Service.

3.1 Types of charge. The Service is sold in three forms, as shown on the relevant purchase and checkout pages:

3.2 Features and pricing. Features, quotas and prices are those shown on the purchase page. We may change them; price changes follow Section 4.4 and never affect a period you have already paid for.

4.1 Payment channels. We collect payment through licensed third-party payment providers, including WeChat Pay and international card channels for overseas customers. We never see or store your full card number; card data is handled exclusively by PCI-DSS compliant payment processors.

4.2 Payment authorisation. Confirming an order at checkout authorises us, or the payment provider collecting on our behalf, to charge the amount shown on that order.

4.3 Automatic renewal. By default, QR-code payments are single charges and do not renew automatically. A plan renews automatically only where the checkout page clearly labels it as auto-renewing and you separately confirm it; that authorisation continues until you cancel under Section 5. Annual auto-renewing plans receive an email reminder before each renewal.

4.4 Price changes. A price change applies only to billing periods beginning after it takes effect. We will give at least 14 days' notice by email, and you may cancel before it takes effect if you do not accept the new price.

4.5 Taxes. Unless stated otherwise, displayed prices exclude applicable taxes. Where required by law we will issue invoices and collect and remit the relevant taxes. Invoice details can be submitted from your account.

4.6 Overdue amounts. If a charge fails or an account falls into arrears, we may suspend the paid features after reminding you, until payment is settled.

5.1 How to cancel. You may cancel at any time from your account settings, or by emailing hi@paibao.ai from your registered address. We send a cancellation confirmation within one business day.

5.2 Effect of cancellation.

5.3 Account closure. You may request closure of your account at hi@paibao.ai. Data in a closed account is handled under the Privacy Policy and cannot be restored.

6.1 Lawful use. You may use the Service only for lawful business purposes, in compliance with applicable law, third-party platform rules, and payment-channel and card-scheme rules.

6.2 Prohibited use. You must not use the Service to:

6.3 AI-specific restrictions. Given the AI nature of the Service, you must not:

6.4 Your data responsibilities. You must have a lawful basis (including any necessary consent or authorisation) for the customer records and communications you process through the Service. You determine how that data is processed; we process it on your instructions.

7.1 General rule. Because the Service is an immediately delivered digital product, fees are generally non-refundable except in the cases below and where the law requires otherwise.

7.2 Refundable cases.

7.3 Non-refundable cases.

7.4 How to claim. Email hi@paibao.ai from your registered address with your account email, order number, purchase date, the reason and any supporting evidence. We acknowledge within 2 business days and give a decision within 10 business days. Approved refunds are returned via the original payment method, typically arriving in 5–10 business days depending on the channel.

7.5 The full rules are set out on the Refund Policy page at https://paibao.ai/en/refund-policy , which forms part of these Terms.

8.1 If you believe a charge is wrong, contact hi@paibao.ai before raising a chargeback with your bank or payment platform. We reply within 2 business days and resolve confirmed billing errors within 5 business days.

8.2 Where a chargeback is raised without contacting us first, we may suspend the account until the dispute is resolved.

9.1 Our rights. The Service and its software, interfaces, documentation, trademarks and brand assets belong to us or our licensors. These Terms transfer no such rights; they grant you a non-exclusive, non-transferable right to use the Service during your paid term.

9.2 Your inputs. Content you submit to the Service ("Input") remains yours or its rightful owner's. You grant us a limited, non-exclusive licence to use it solely to provide and maintain the Service for you.

9.3 No training on your data. We do not use your Input to train our own or any third party's general AI models without your explicit consent.

9.4 Outputs. Subject to your compliance with these Terms, content generated from your Input ("Output") belongs to you and may be used for any purpose permitted by Section 6.

9.5 Accuracy of Output. AI-generated content may be wrong, incomplete or out of date, and different users may receive similar output. You are responsible for reviewing and verifying Output before relying on it.

10.1 Your use of the Service is also governed by our Privacy Policy, which explains what we collect, how we use and share it, and the rights you have. It is published at https://paibao.ai/en/privacy-policy .

10.2 Card data is handled exclusively by PCI-DSS compliant third-party payment processors and is not stored on our servers.

10.3 We apply industry-standard technical and organisational measures to protect data; details are in the Privacy Policy.

11.1 The Service is provided "as is" and "as available". To the maximum extent permitted by law we make no warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, or the accuracy, completeness or commercial effect of AI output.

AI content disclaimer: output from the Service may be inaccurate, incomplete or out of date, and is not legal, medical, financial, tax or other professional advice. Verify with a qualified professional before acting on it.

11.2 We do not warrant that the Service will be uninterrupted or error-free, and we are not responsible for outages or policy changes at third-party platforms, model providers or network operators.

11.3 We make no promise or guarantee as to the business results you achieve using the Service, including deal volume, reply rates or lead generation.

12.1 To the maximum extent permitted by law, we are not liable for indirect, incidental, consequential or punitive damages, or for lost profits, lost business opportunities, data loss or loss of goodwill.

12.2 Liability cap. Our total aggregate liability under these Terms and in connection with the Service is limited to the amount you actually paid us for the Service in the 12 months preceding the event giving rise to the claim.

12.3 These limits do not apply to liability that cannot be excluded or limited by law, including personal injury caused by wilful misconduct or gross negligence.

13.1 Our rights. We may suspend or terminate the Service, proportionate to the circumstances, and reserve our other remedies, where:

13.2 Process. Other than in urgent or serious cases, we will normally notify you first and allow a reasonable period to remedy the breach. Fees already paid are not refunded where termination results from your breach, and you remain liable for the loss caused to us.

13.3 Termination without your breach. If we terminate the Service where you are not in breach, we refund the unused portion of prepaid fees on a pro-rata basis.

13.4 Your rights. You may cancel or close your account at any time under Section 5.

13.5 Survival. Provisions on intellectual property, disclaimers, limitation of liability, dispute resolution, and any provision that by its nature should survive, remain in force after termination.

14.1 These Terms, and any dispute arising from them, are governed by the laws of the People's Republic of China (for this purpose excluding Hong Kong SAR, Macau SAR and Taiwan).

14.2 The parties will first try to resolve any dispute amicably via hi@paibao.ai. Failing that, either party may bring proceedings before the competent People's Court at the operator's registered domicile.

14.3 This does not affect mandatory consumer rights granted by applicable law.

15.1 Changes. We may update these Terms. For material changes we give at least 14 days' notice by email or in-product notice and update the date at the top of this page. Continued use after the effective date means acceptance.

15.2 Severability. If any provision is held invalid or unenforceable, the rest remains in force.

15.3 No waiver. Failure or delay in exercising a right is not a waiver of it.

15.4 Assignment. You may not assign these Terms without our written consent. We may assign them in a merger, acquisition or transfer of assets, with prior notice to you.

15.5 Entire agreement. These Terms, the Privacy Policy and the Refund Policy form the entire agreement between you and us for the Service. Where you have signed a separate commercial contract with us, that contract prevails for the services it covers.

For questions about these Terms, billing, refunds or your account:

By confirming an order at checkout or continuing to use the Service, you confirm that you have read and agree to these Terms.