Last updated: [October 5, 2026]
Terms of Service
01
Acceptance of These Terms
These Terms of Service (the “Terms”) are a binding agreement between you and Muvix, Inc., a Delaware corporation (“Muvix,” “we,” “us,” or “our”). They cover the website at muvix.ai, the application at [app.muvix.ai], and every related product, AI agent, API, communication, and support service we offer (together, the “Services”).
You accept these Terms when you create an account, log in, sign an order form, pay an invoice, click to accept, or otherwise use the Services. If you do not accept them, do not use the Services.
If you use the Services for a company, branch, or other organization, you confirm that you have authority to bind it. That organization is the customer and is responsible for its users, workspaces, agents, data, and charges.
02
The Services
Muvix is an AI platform for sales organizations, including mortgage lenders and brokers, insurance agencies, and other businesses that sell to consumers. Depending on your plan, the Services may include:
AI agents that engage leads and customers by text message, phone, and email
Lead and contact management (CRM), pipelines, and campaigns
Appointment booking and follow-up automation
Call handling, recording, transcription, and AI-assisted coaching
Knowledge bases, scripts, and agent configuration tools
Integrations with CRMs, dialers, lead sources, industry systems such as loan origination and agency management systems, and other third-party tools
Muvix is a technology provider. Muvix is not a mortgage lender, broker, or loan originator, and is not an insurance carrier, agency, or producer. We do not take applications, quote rates or premiums, make credit or underwriting decisions, bind coverage, or negotiate terms on our own behalf. Any licensed or regulated activity carried out through the Services is your activity, performed under your licenses.
We may add, change, limit, or retire features, integrations, plans, and usage limits. Where a change materially reduces the core Services you pay for, we will give reasonable notice when practical.
03
Accounts and Workspaces
Give us accurate and current information when you register, set up billing, and complete onboarding.
Keep your credentials, API keys, and connected-system access secure, and limit admin rights to people who need them.
You are responsible for everything done under your account and workspaces, including messages, calls, automations, agent actions, and charges, whether done by you or by users you invite.
Tell us promptly at [support@muvix.ai] if you suspect unauthorized access.
We may limit or suspend an account, workspace, agent, or feature when we reasonably believe it is needed to protect Muvix, our customers, consumers, carriers, providers, or legal compliance.
04
Acceptable Use
You will not use the Services to:
Text, call, or email anyone who has not given the consent the law requires, or anyone who has opted out
Violate the Telephone Consumer Protection Act (TCPA), the Telemarketing Sales Rule, Do Not Call rules, the CAN-SPAM Act, carrier and CTIA messaging rules, or similar state laws
Violate the laws that govern your industry or consumer protection generally. For mortgage, that includes RESPA, TILA and Regulation Z advertising rules, ECOA, the Fair Housing Act, and the SAFE Act. For insurance, that includes state insurance codes, producer licensing, advertising and unfair trade practices rules, and replacement and suitability requirements. For every industry, that includes the FCRA, the Gramm-Leach-Bliley Act where it applies, the FTC Act and UDAAP prohibitions, and state licensing and advertising rules
Send false, misleading, or deceptive content, including rates, premiums, coverage, or terms you cannot actually offer
Impersonate a person, a government agency, or a consumer’s current lender, servicer, or insurer
Send unlawful, harassing, or fraudulent content
Probe, disrupt, or gain unauthorized access to the Services or to another customer’s data
Copy, resell, white-label, scrape, or reverse engineer the Services, or use them to build a competing product
We may suspend or end access for violations of this section.
05
Muvix SMS/Text Messaging Program
This section covers texts Muvix itself sends to people who contact us. Texts our customers send to their own leads and customers are covered by Sections 4 and 7.
Program name: [Muvix Alerts]
What you get: If you enter your mobile number in a form on muvix.ai and check the separate SMS consent box, Muvix, Inc. will text you about your inquiry. That includes demo scheduling, appointment reminders, onboarding, account notices, and support.
Frequency: Message frequency varies with your inquiry and activity.
Cost: Message and data rates may apply. Check with your wireless carrier.
Stop: Reply STOP to any message to cancel. We will send one confirmation and then no more texts unless you opt in again.
Help: Reply HELP or email [support@muvix.ai].
Carriers: Major U.S. carriers are supported. Carriers are not liable for delayed or undelivered messages.
Consent is optional: Agreeing to texts is not a condition of buying or using anything from Muvix. You can leave the box unchecked and still submit the form.
No sharing of mobile data: We do not sell, rent, or share mobile numbers, SMS consent, or opt-in data with third parties or affiliates for their marketing or promotional purposes.
Our Privacy Policy explains how we handle this information.
06
Voice and Calling Features
When you use calling features, you are responsible for:
Following telemarketing, autodialer, artificial or prerecorded voice, and Do Not Call rules, including consent requirements for AI-generated voices
Giving any required recording notice and obtaining consent, including in all-party consent states
Disclosing that a caller or texter is an AI or automated system wherever the law requires it
Respecting calling-time restrictions and honoring opt-out requests
07
AI Agents and Industry Compliance
You configure the agents. Agents act on the instructions, scripts, knowledge, permissions, and integrations set up in your workspace. Review and test them before going live.
AI makes mistakes. AI output can be wrong, incomplete, out of date, or inappropriate. You are responsible for monitoring agent activity and for deciding where a person must review or take over.
Licensed activity stays with licensed people. You decide what agents may say and do, and you make sure that any activity requiring a license, such as a mortgage loan originator or insurance producer license, is performed or supervised by properly licensed individuals. Do not rely on an agent for rate or premium quotes, loan or policy terms, eligibility or coverage decisions, or required disclosures without the controls your compliance obligations call for.
No professional advice. Muvix does not give legal, compliance, financial, tax, lending, or insurance advice. Scripts, templates, and suggested workflows are starting points, not legal clearance.
Your communications, your responsibility. Messages, calls, and actions taken by agents in your workspace are your communications. That includes compliance with advertising, licensing-disclosure (such as NMLS or insurance license numbers), consent, and record-keeping rules.
No guaranteed results. We do not promise any number of leads, appointments, applications, sales, funded loans, or issued policies.
08
Fees and Payment
Fees are set out on our pricing page, at checkout, or in your order form. They may include subscription, per-seat, per-agent, usage-based (messages, call minutes, AI usage), setup, and implementation fees.
Subscriptions renew automatically for the same term until cancelled. Cancellation takes effect at the end of the current billing period.
You authorize us and our payment processor to charge your payment method for all amounts due, including usage and applicable taxes.
Except where the law or a signed agreement says otherwise, fees are non-refundable, including for unused time or credits.
We may change pricing. Changes apply from your next renewal or billing period after we give notice by email, in the product, or on our pricing page. A signed order form controls for its term.
If payment fails, we may suspend the Services until the balance is paid. You remain responsible for charges already incurred.
09
Customer Data, Consumer Information, and Privacy
You own your data. You keep all rights in the contacts, lead and customer records, messages, recordings, transcripts, documents, prompts, and configurations you bring to or create in the Services (“Customer Data”).
Our license is limited. You allow us to host and process Customer Data only to provide, secure, support, and improve the Services, to prevent fraud and abuse, and to comply with law.
We act as your service provider. For consumer information in Customer Data, Muvix processes it on your behalf and under your instructions. Where that information is nonpublic personal information under the Gramm-Leach-Bliley Act, we will use and disclose it only to perform the Services or as the law permits, and we will keep safeguards appropriate to its sensitivity.
No sale. We do not sell Customer Data, and we do not share it, or any mobile numbers or SMS consent records, with third parties for their own marketing.
Subprocessors. Hosting, messaging, telephony, transcription, payment, and AI model providers process Customer Data only as needed to run the Services.
AI training. We do not allow third-party AI model providers to train their public models on Customer Data unless you agree in writing.
Aggregated data. We may use aggregated or de-identified data that does not identify you, your workspace, or any consumer to measure and improve the Services.
Your promises. You confirm that you have the rights, notices, and consents needed to load, text, call, record, and process Customer Data, and that you have a lawful basis for any lead or credit data you bring in, including a permissible purpose under the FCRA where it applies.
Data we do not want. Do not submit full payment card numbers. Do not submit protected health information or other medical or health details unless Muvix has agreed in writing to support that use and any required agreements are in place. Submit Social Security numbers and other government identifiers only in fields designed for them, if any.
Security incidents. If we confirm unauthorized access to your Customer Data, we will notify you without undue delay and share what we know so you can meet your own obligations.
Export and deletion. You can request export or deletion of Customer Data through the product or support. We may retain copies where needed for legal, security, billing, or backup purposes.
10
Intellectual Property
Muvix and its licensors own the Services, including the software, agents, templates, workflows, designs, documentation, and brand. You receive a limited, non-exclusive, non-transferable right to use the Services during your subscription.
Customer Data stays yours, subject to the limited license above.
If you send us feedback or suggestions, we may use them freely and without payment.
11
Third-Party Services and Integrations
The Services connect to third-party systems such as CRMs, dialers, lead vendors, industry systems, telecom carriers, and AI model providers. Your use of those systems is governed by their terms.
By connecting an integration, you authorize us to send and retrieve data through it to run the workflows you set up.
We are not responsible for third-party outages, pricing or policy changes, carrier filtering, message deliverability, or data handling by systems we do not control.
If a provider or carrier changes its costs, limits, or rules, we may adjust the affected features, limits, or pricing.
12
Disclaimer of Warranties
The Services are provided “as is” and “as available.” To the fullest extent the law allows, Muvix disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Services, AI output, messages, calls, or integrations will be uninterrupted, error-free, accurate, or sufficient to meet your legal or regulatory obligations.
13
Limitation of Liability
To the fullest extent the law allows, Muvix and its officers, directors, employees, contractors, and suppliers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenue, sales, goodwill, or data, however caused.
Muvix is not liable for losses arising from AI output, automations and agents you configured, communications sent from your workspace, regulatory or licensing consequences of your use, third-party services, carrier filtering, or access gained through your credentials.
Muvix’s total liability for all claims relating to the Services will not exceed the greater of (a) the fees you paid to Muvix in the [three (3)] months before the event giving rise to the claim, or (b) [one hundred dollars ($100)].
Some jurisdictions do not allow certain limits, so parts of this section may not apply to you.
14
Indemnification
You will defend, indemnify, and hold harmless Muvix and its officers, directors, employees, and contractors from third-party claims, regulatory actions, fines, losses, and costs (including reasonable attorneys’ fees) arising from:
Your use of the Services or breach of these Terms
Your violation of any law, regulation, carrier rule, or third-party right
Messages sent, calls placed, recordings made, or automations run through your workspace
Failure to obtain consent, give required notices or disclosures, honor opt-outs, or hold required licenses
Customer Data and the instructions, scripts, and permissions you give to agents
Disputes between you and your leads, customers, agents, employees, contractors, or partners
15
Suspension and Termination
You may cancel through account settings or by contacting support, subject to any order form commitment or unpaid balance.
We may suspend or terminate access for breach of these Terms, non-payment, suspected abuse, security or legal risk, or a carrier or provider requirement. We may act without notice where delay could cause harm.
On termination, your right to use the Services ends and agents may be stopped. You may request an export of Customer Data within [30] days after termination, after which we may delete it.
Sections that by their nature should continue, including fees owed, Customer Data, intellectual property, disclaimers, liability limits, indemnification, and dispute resolution, survive termination.
16
Dispute Resolution
Please contact us first at [legal@muvix.ai] so we can try to resolve any dispute informally within 30 days.
If that fails, any dispute arising from these Terms or the Services will be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, before a single arbitrator, in [city, state] or by video conference. Either party may go to court to seek injunctive relief for misuse of intellectual property or unauthorized access, or to bring an individual claim in small claims court.
Class waiver. Claims may be brought only on an individual basis. You and Muvix each waive any right to a jury trial and to take part in a class, collective, or representative action.
17
Changes to These Terms
We may update these Terms. We will post the new version here with a new “Last Updated” date, and for material changes we will also notify you by email or in the product. Changes take effect when posted unless we state a later date. Using the Services after the effective date means you accept the updated Terms.
18
General Provisions
Entire agreement. These Terms, the Privacy Policy, and any order form or signed agreement are the whole agreement between you and Muvix about the Services. A signed agreement or order form controls where it conflicts with these Terms.
Governing law. The laws of the State of [Delaware] govern these Terms, without regard to conflict of law rules. Subject to Section 16, the state and federal courts located in [Delaware] have exclusive jurisdiction.
Assignment. You may not assign these Terms without our written consent. We may assign them in connection with a merger, acquisition, financing, or sale of assets.
Severability and waiver. If a provision is unenforceable, the rest stays in effect. Not enforcing a provision is not a waiver of it.
Force majeure. Neither party is liable for delay or failure caused by events beyond its reasonable control, including provider or carrier outages, internet failures, cyberattacks, government action, and natural disasters.
Independent parties. Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship.
Notices. We may send notices to the email on your account. Send legal notices to us at the address below.
19
Contact Us
Muvix, Inc.
Email: [legal@muvix.ai]
Mailing address: 2093 Philadelphia Pike, Suite #3028, Claymont, DE 19703, United States