Terms of Service

Qaipa Terms of Service

Effective Date: 1 January 2026

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Welcome to Qaipa

These Terms of Service ("Terms") govern your access to and use of Qaipa, an AI-powered telephone calling service operated by Lumman Ltd ("Lumman," "we," "us," or "our"), a company registered in England and Wales.

By accessing or using Qaipa, you agree to be bound by these Terms. If you do not agree, do not use our Service.

Regional Terms: Depending on your location, additional regional terms in Section 16 (United States), Section 17 (European Union), or Section 18 (United Kingdom) may apply to you. In case of conflict between the general Terms and regional terms, the regional terms prevail for users in that region.

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1. Important Notices

1.1 Emergency Services Disclaimer

1.2 AI Disclosure

Qaipa uses artificial intelligence to conduct telephone calls on your behalf. When our AI makes a call, it will identify itself as an AI assistant calling on behalf of the user. We do not and will not deceive call recipients about the artificial nature of our calling agent.

Our AI has limitations. It may:

• Misunderstand or be misunderstood by call recipients
• Fail to complete tasks as intended
• Produce inaccurate transcriptions or summaries
• Experience technical failures or quality degradation

You are responsible for reviewing all call outcomes and verifying any information obtained through Qaipa before relying on it.

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2. The Service

2.1 What Qaipa Does

Qaipa is a web-based platform that enables you to delegate telephone calls to AI agents. You describe a calling task in natural language, and our AI:

• Places calls to specified telephone numbers
• Conducts conversations to accomplish your stated objectives
• Records calls (with appropriate disclosure to recipients)
• Provides transcriptions and summaries of completed calls
• Delivers results to your dashboard

2.2 What Qaipa Does Not Do

Qaipa does not:

• Place calls to emergency services (see Section 1.1)
• Guarantee successful completion of any call or task
• Provide legal, medical, financial, or other professional advice
• Guarantee the accuracy of transcriptions or AI-generated summaries
• Replace human judgment in important decisions
• Offer traditional telephone, PSTN, or VoIP services

2.3 Service Availability

We aim to provide reliable service but do not guarantee uninterrupted availability. Qaipa may be unavailable due to:

• Scheduled maintenance (we will provide reasonable notice when possible)
• Technical failures or outages
• Third-party service disruptions (telephony providers, cloud infrastructure)
• Force majeure events
• Actions required by law or regulation

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3. Eligibility and Accounts

3.1 Eligibility

To use Qaipa, you must:

• Be at least 18 years old, or the age of legal majority in your jurisdiction if higher
• Have the legal capacity to enter into binding contracts
• Not be prohibited from using our Service under applicable law
• Not be located in a country subject to comprehensive sanctions
• Provide accurate and complete registration information

If you are using Qaipa on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms, and "you" includes that organisation.

3.2 Account Registration

You must create an account to use Qaipa. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information as needed
• Keep your login credentials secure and confidential
• Notify us immediately of any unauthorised access
• Accept responsibility for all activity under your account

We may suspend or terminate accounts that contain inaccurate information or violate these Terms.

3.3 Account Security

You are responsible for maintaining the confidentiality of your account credentials. We recommend:

• Using a strong, unique password
• Enabling two-factor authentication when available
• Not sharing your account with others
• Logging out from shared devices

We are not liable for any loss or damage arising from unauthorised use of your account due to your failure to maintain security.

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4. Acceptable Use

4.1 Your Responsibilities

When using Qaipa, you agree to:

• Provide accurate information about calling tasks
• Ensure you have the right to contact the numbers you provide
• Comply with all applicable laws and regulations in your jurisdiction and the jurisdiction of call recipients
• Respect the rights and privacy of call recipients
• Use the Service only for lawful purposes
• Review and verify AI-generated outputs before relying on them

4.2 Prohibited Uses

You must not use Qaipa to:

Emergency and Critical Situations

• Contact emergency services (911, 999, 112, or equivalents)
• Handle situations requiring immediate human intervention
• Replace essential communications where failure could cause harm to life or safety

Illegal Activities

• Violate any applicable law or regulation in any jurisdiction
• Commit fraud, identity theft, impersonation (other than authorised representation), or deception
• Harass, threaten, stalk, or intimidate any person
• Engage in illegal telemarketing, robocalling, or spam
• Circumvent telecommunications regulations (including TCPA, PECR, GDPR, and local equivalents)
• Violate do-not-call registries or opt-out requests

Harmful Content and Behaviour

• Make calls containing hate speech, discrimination, or abuse
• Threaten violence or incite illegal activity
• Distribute malware, conduct phishing, or engage in social engineering attacks
• Attempt to deceive recipients about the AI nature of calls
• Impersonate law enforcement, government officials, emergency services, or real individuals without consent

System Abuse

• Interfere with or disrupt the Service or its infrastructure
• Attempt to gain unauthorised access to our systems or other users' accounts
• Reverse engineer, decompile, disassemble, or extract source code
• Use automated tools to abuse the Service beyond permitted API usage
• Circumvent usage limits, security measures, or access controls
• Resell, redistribute, or white-label the Service without written authorisation
• Use the Service to build a competing product

Specific Call Restrictions

• Cold calling for direct marketing without proper consent under applicable law
• Calls designed to artificially inflate call volumes or costs
• Recording calls in jurisdictions where prohibited without all-party consent
• Calls to numbers registered on do-not-call lists without applicable exemption

4.3 Compliance with Laws

You are responsible for ensuring your use of Qaipa complies with all applicable laws, including but not limited to:

We reserve the right to refuse service or terminate accounts that we reasonably believe are violating applicable laws.

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5. Calls and Recordings

5.1 Call Recording

All calls made through Qaipa are recorded. By using the Service, you:

• Acknowledge that calls will be recorded
• Consent to such recording for the purpose of providing the Service
• Understand that call recipients will be informed of the recording at the start of each call

Recordings are used to:

• Generate transcriptions and summaries
• Provide you with call records
• Improve our Service
• Comply with legal obligations
• Resolve disputes

5.2 Call Recipient Notification

Our AI will inform call recipients at the beginning of each call that:

• They are speaking with an AI assistant
• The AI is calling on behalf of a Qaipa user
• The call is being recorded

We comply with applicable call recording notification laws, including all-party consent requirements where applicable.

5.3 Transcriptions and Summaries

We provide AI-generated transcriptions and summaries of your calls. These are:

• Generated automatically by AI systems
• Subject to errors and inaccuracies
• Not guaranteed to be complete or verbatim
• Your responsibility to verify before relying upon

We do not guarantee the accuracy of any transcription or summary.

5.4 Retention

We retain call recordings, transcriptions, and related data as described in our Privacy Policy. You can request deletion of your data subject to our data retention obligations and legal requirements.

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6. Payment and Billing

6.1 Pricing

Qaipa offers multiple pricing options:

• Pay-per-call: Charged per completed call (up to 10 minutes), then per-minute rates apply for longer calls
• Subscription plans: Monthly plans with included call allowances and reduced rates for additional usage

Current pricing is available on our website at qaipa.com/pricing. Prices are displayed in your local currency where available. We may change pricing with at least 30 days' notice for existing subscribers.

6.2 Payment Terms

• Payments are processed through our third-party payment processor (Stripe)
• Subscription fees are billed in advance on a recurring basis
• Pay-per-call charges are billed after call completion
• All fees are exclusive of applicable taxes unless stated otherwise
• You are responsible for any applicable sales tax, VAT, GST, or similar taxes

6.3 Currency and Taxes

• Prices may be displayed in GBP, EUR, USD, or other currencies depending on your location
• EU customers: VAT will be added where applicable based on your location
• US customers: Sales tax may apply based on your state
• UK customers: VAT is included where stated

6.4 Free Trials and Promotional Offers

We may offer free trials or promotional credits. These:

• Are subject to specific terms disclosed at the time of offer
• May be limited to new users or specific usage
• May be withdrawn or modified at our discretion
• Do not create ongoing entitlements
• May require payment method on file

6.5 Refunds

• Subscription fees are generally non-refundable except as required by law
• We may offer refunds or credits at our discretion for service failures attributable to us
• Refund requests should be submitted within 14 days of the relevant charge
• EU consumers: See Section 17.3 regarding your cancellation rights
• Statutory refund rights under applicable consumer protection laws are not affected

6.6 Failed Payments

If a payment fails:

• We may suspend your access to the Service
• You remain liable for any outstanding amounts
• We may retry the payment or request alternative payment method
• Continued failure may result in account termination

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7. Intellectual Property

7.1 Our Intellectual Property

Qaipa, including its software, design, content, trademarks, logos, and underlying technology, is owned by Lumman Ltd or its licensors and protected by intellectual property laws worldwide. These Terms do not grant you any rights to our intellectual property except the limited, non-exclusive, non-transferable right to use the Service as permitted.

You must not:

• Copy, modify, or create derivative works of our Service
• Use our trademarks, logos, or branding without written permission
• Remove any proprietary notices from our materials
• Claim ownership of any part of our Service

7.2 Your Content

You retain ownership of content you provide to Qaipa, including:

• Task descriptions and instructions
• Contact information you provide
• Any materials you upload

By using Qaipa, you grant us a worldwide, non-exclusive, royalty-free licence to use your content as necessary to provide and improve the Service, including:

• Processing your calling instructions
• Generating and storing call recordings and transcriptions
• Analysing usage patterns to improve AI performance (in anonymised/aggregated form)
• Complying with legal obligations

This licence continues for a reasonable period after you stop using the Service to allow us to complete any pending operations and comply with legal obligations.

7.3 Feedback

If you provide feedback, suggestions, ideas, or improvements about Qaipa, you grant us an unrestricted, perpetual, irrevocable, worldwide licence to use such feedback without compensation, attribution, or obligation to you.

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8. Third-Party Services

8.1 Third-Party Integrations

Qaipa relies on third-party services to function, including:

• Telephony providers for call routing
• AI providers for language processing
• Cloud infrastructure providers
• Payment processors

Your use of Qaipa may be affected by the terms, availability, and performance of these third-party services. We are not responsible for third-party service failures beyond our reasonable control.

8.2 Links to Third-Party Websites

Our Service may contain links to third-party websites or services. We do not control and are not responsible for the content, privacy practices, or availability of any third-party website. Links do not imply endorsement.

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9. Disclaimers

9.1 Service Provided "As Is"

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, QAIPA IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

We specifically disclaim all implied warranties, including:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy, reliability, or completeness
• Uninterrupted or error-free operation
• That the Service will meet your specific requirements

9.2 AI Limitations

We do not warrant that our AI will:

• Successfully complete any particular calling task
• Accurately understand or convey your instructions
• Produce accurate transcriptions or summaries
• Perform consistently across all call scenarios
• Be suitable for any specific purpose
• Operate without errors or interruptions

9.3 No Professional Advice

Qaipa does not provide legal, medical, financial, tax, or other professional advice. Information obtained through calls made by Qaipa should not be relied upon as professional advice. Consult qualified professionals for such matters.

9.4 Telecommunications Disclaimer

Qaipa is not a traditional telephone service, common carrier, or replacement for such services. We are not a telecommunications provider and do not offer PSTN, VoIP, or emergency calling services. You must maintain alternative means of communication for essential and emergency purposes.

9.5 Consumer Rights Preserved

For consumers: The disclaimers in this Section 9 do not affect your statutory rights under applicable consumer protection laws. See Sections 16, 17, and 18 for region-specific consumer protections.

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10. Limitation of Liability

10.1 Exclusion of Certain Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, LUMMAN LTD AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY:

• Indirect, incidental, special, consequential, exemplary, or punitive damages
• Loss of profits, revenue, data, goodwill, or business opportunities
• Loss of anticipated savings
• Cost of procurement of substitute services
• Personal injury or property damage (except where caused by our negligence)
• Any damages arising from:
  • Your inability to contact emergency services through Qaipa
  • Service interruptions, outages, or failures
  • Inaccurate transcriptions, summaries, or AI outputs
  • Actions, omissions, or content of third parties
  • Unauthorised access to your account
  • Matters beyond our reasonable control
  • Your breach of these Terms
  • Your reliance on the Service

10.2 Liability Cap

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF:

• The total amount you paid to us in the 12 months preceding the event giving rise to the claim, or
• One hundred US dollars (USD $100) or equivalent in your local currency

10.3 Essential Basis

The disclaimers and limitations in Sections 9 and 10 reflect a reasonable allocation of risk and are fundamental to the agreement between you and Lumman Ltd. We would not provide the Service without these limitations.

10.4 Exceptions — Liability Not Limited

Nothing in these Terms excludes or limits liability for:

• Death or personal injury caused by negligence
• Fraud or fraudulent misrepresentation
• Wilful misconduct or gross negligence
• Any liability that cannot be excluded or limited under applicable law
• Breaches of statutory consumer rights in your jurisdiction

10.5 Regional Variations

See Sections 16, 17, and 18 for region-specific limitations and consumer protections that may modify this Section 10.

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11. Indemnification

11.1 Your Indemnification Obligations

To the maximum extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Lumman Ltd, its affiliates, officers, directors, employees, agents, licensors, and service providers from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from or related to:

• Your use of the Service
• Your violation of these Terms
• Your violation of any applicable law or third-party rights
• Your content, instructions, or data provided to Qaipa
• Calls made on your behalf through the Service
• Any claim by a call recipient relating to calls you initiated
• Your failure to obtain required consents for calls

11.2 Procedure

We will:

• Promptly notify you of any claim subject to indemnification
• Provide reasonable cooperation in the defence (at your expense)
• Allow you to control the defence and settlement, provided you do not admit liability on our behalf without consent

11.3 Consumer Exception

If you are a consumer, this indemnification obligation applies only to the extent your actions were unlawful or in breach of these Terms, and does not require you to indemnify us for claims arising from our own negligence.

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12. Term and Termination

12.1 Term

These Terms are effective when you first access or use Qaipa and continue until terminated by either party.

12.2 Termination by You

You may terminate your account at any time by:

• Using the account deletion feature in your settings
• Contacting us at in@lumman.ai

Termination does not entitle you to a refund of prepaid fees except as required by law or described in these Terms.

12.3 Termination by Us

Immediate Termination: We may suspend or terminate your access immediately and without notice if:

• You materially breach these Terms
• We reasonably believe you are engaged in illegal activity
• Your account is used for prohibited purposes
• We are required to do so by law or court order
• Your actions create legal liability or harm to us or other users

Termination with Notice: We may terminate your account for any reason with 30 days' advance notice to your registered email address.

Service Discontinuation: If we discontinue the Service entirely, we will provide at least 60 days' notice and pro-rata refunds for prepaid subscription fees.

12.4 Effect of Termination

Upon termination:

• Your right to use the Service ends immediately
• You remain liable for any outstanding payments
• We may delete your account data after a reasonable period (typically 30 days), subject to legal retention requirements
• Provisions that by their nature should survive (including Sections 1.1, 5, 7, 9, 10, 11, 13, and 14-18) will survive termination

12.5 Data Export

Following termination or upon request, you may export your data (call records, transcriptions, summaries) for 30 days. After this period, we may delete your data in accordance with our Privacy Policy.

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13. Dispute Resolution

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

13.1 Informal Resolution First

Before initiating any formal dispute resolution, you agree to contact us at in@lumman.ai to attempt to resolve any dispute informally. Please include:

• Your name and account email
• A description of the dispute
• The resolution you are seeking

We will attempt to resolve the matter within 60 days. Most disputes can be resolved this way.

13.2 Governing Law

The governing law and dispute resolution procedures depend on your location:

13.3 General Jurisdiction Provisions

Subject to regional terms in Sections 16-18:

• You may bring claims only in your individual capacity, not as a plaintiff or class member in any class, consolidated, or representative proceeding (where permitted by law)
• Any claim must be brought within one (1) year after the cause of action arises, or it is permanently barred (except where prohibited by law)

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14. Changes to Terms

14.1 Modifications

We may modify these Terms at any time. For material changes, we will provide notice by:

• Posting the updated Terms on our website with a new "Last Updated" date
• Sending notice to the email address associated with your account
• Displaying a prominent notice within the Service

14.2 Effective Date of Changes

• Material changes: Take effect 30 days after notice, unless a longer period is required by law
• Non-material changes: Take effect upon posting
• Changes required by law or for security: May take effect immediately

14.3 Your Options

If you do not agree to modified Terms:

• You may terminate your account before the changes take effect
• Your continued use after the effective date constitutes acceptance
• If you terminate due to material adverse changes within 30 days, we will provide a pro-rata refund of prepaid subscription fees

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15. General Provisions

15.1 Entire Agreement

These Terms, together with our Privacy Policy, Acceptable Use Policy, and any other policies or agreements referenced herein or presented at signup, constitute the entire agreement between you and Lumman Ltd regarding Qaipa, superseding any prior agreements.

15.2 Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision will be enforced to the maximum extent permissible, and the remaining provisions will continue in full force and effect.

15.3 No Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision. Any waiver must be in writing and signed by us.

15.4 Assignment

You may not assign or transfer these Terms or your rights without our prior written consent. We may assign our rights and obligations without restriction, including in connection with a merger, acquisition, or sale of assets. Any attempted assignment in violation of this section is void.

15.5 No Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights, except as expressly stated (e.g., our affiliates' rights under Section 10).

15.6 Force Majeure

We are not liable for any failure or delay in performing our obligations due to circumstances beyond our reasonable control, including but not limited to: natural disasters, war, terrorism, riots, civil unrest, government actions, epidemics or pandemics, power failures, internet or telecommunications failures, or acts of third parties.

15.7 Notices

• To you: Notices may be sent to the email address associated with your account or displayed within the Service. You are responsible for keeping your email address current.
• To us: Notices should be sent to in@lumman.ai or by post to:

Lumman Ltd
86-90 Paul Street, London, Greater London, England, EC2A 4NE, United Kingdom

Notices are effective upon delivery (email) or receipt (post).

15.8 Relationship

These Terms do not create any agency, partnership, joint venture, or employment relationship between you and Lumman Ltd.

15.9 Language

These Terms are written in English. Translations may be provided for convenience only. In case of conflict between the English version and any translation, the English version prevails.

15.10 Headings

Section headings are for convenience only and do not affect interpretation.

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16. Additional Terms for United States Users

This Section 16 applies if you are located in the United States. These terms supplement and, where inconsistent, override the general Terms above.

16.1 BINDING ARBITRATION AGREEMENT

16.2 Class Action Waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND LUMMAN LTD WAIVE ANY RIGHT TO BRING OR PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER REPRESENTATIVE PROCEEDING.

If this class action waiver is found unenforceable as to a particular claim, that claim (and only that claim) must be severed from arbitration and may proceed in court, while remaining claims proceed in arbitration.

16.3 Governing Law (US)

For US users, these Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles, except that the Federal Arbitration Act (FAA) governs the arbitration agreement in Section 16.1.

16.4 TCPA Compliance

You acknowledge that:

• You will not use Qaipa to make calls that violate the Telephone Consumer Protection Act (TCPA)
• You are solely responsible for obtaining any required consent before instructing Qaipa to make calls
• You will not use Qaipa to call numbers on the National Do Not Call Registry for telemarketing purposes without exemption
• Lumman Ltd is not responsible for your TCPA violations

16.5 California Residents

If you are a California resident:

Consumer Rights: You may have rights under the California Consumer Privacy Act (CCPA/CPRA). See our Privacy Policy for details on your rights.

California Civil Code Section 1789.3: You may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

16.6 US State Privacy Laws

Depending on your state of residence, you may have additional privacy rights under state laws including:

• California (CCPA/CPRA)
• Virginia (VCDPA)
• Colorado (CPA)
• Connecticut (CTDPA)
• Utah (UCPA)
• Other states with consumer privacy laws

See our Privacy Policy for details on exercising these rights.

16.7 Digital Millennium Copyright Act (DMCA)

If you believe content on Qaipa infringes your copyright, you may submit a DMCA notice to:

DMCA Agent:
Lumman Ltd
Email: in@lumman.ai
86-90 Paul Street, London, Greater London, England, EC2A 4NE, United Kingdom

Your notice must include: (1) identification of the copyrighted work; (2) identification of the infringing material and its location; (3) your contact information; (4) a statement of good faith belief; (5) a statement of accuracy under penalty of perjury; and (6) your signature.

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17. Additional Terms for European Union Users

This Section 17 applies if you are located in the European Union or European Economic Area. These terms supplement and, where inconsistent, override the general Terms above.

17.1 Governing Law (EU)

For EU/EEA consumers, these Terms are governed by the laws of your country of residence. Mandatory consumer protection laws of your country of residence apply regardless of the governing law.

For EU/EEA business users, these Terms are governed by the laws of Ireland.

17.2 Jurisdiction (EU)

Consumers: You may bring proceedings in the courts of your country of residence. We may bring proceedings only in your country of residence.

Business Users: The courts of Ireland shall have exclusive jurisdiction.

17.3 EU Consumer Withdrawal Right (Right of Cancellation)

17.4 EU Consumer Protections

As an EU/EEA consumer:

• Your statutory rights under EU consumer protection laws are not affected by these Terms
• The disclaimers and limitations in Sections 9 and 10 apply only to the extent permitted by applicable EU law
• You have the right to a remedy if the Service does not conform to the contract (EU Digital Content Directive)
• We are liable for lack of conformity that becomes apparent within 2 years of supply

17.5 Online Dispute Resolution (ODR)

The European Commission provides an Online Dispute Resolution (ODR) platform for consumers:
https://ec.europa.eu/consumers/odr/

We are not obligated or willing to participate in dispute resolution before a consumer arbitration board, unless required by mandatory law.

17.6 No Arbitration for EU Consumers

The arbitration agreement in Section 16.1 does not apply to EU/EEA consumers. You retain your right to bring claims in the courts of your country of residence.

17.7 EU Representative

For GDPR-related enquiries from EU/EEA users, please contact us at in@lumman.ai. Formal EU representative arrangements will be communicated as our EU operations develop.

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18. Additional Terms for United Kingdom Users

This Section 18 applies if you are located in the United Kingdom. These terms supplement and, where inconsistent, override the general Terms above.

18.1 Governing Law (UK)

For UK users, these Terms are governed by the laws of England and Wales.

18.2 Jurisdiction (UK)

Consumers: The courts of England and Wales have non-exclusive jurisdiction. If you live in Scotland, you may bring proceedings in Scottish courts. If you live in Northern Ireland, you may bring proceedings in Northern Irish courts.

Business Users: The courts of England and Wales have exclusive jurisdiction.

18.3 UK Consumer Rights

As a UK consumer:

• Your statutory rights under the Consumer Rights Act 2015 are not affected
• The disclaimers and limitations in Sections 9 and 10 apply only to the extent permitted by UK law
• You have the right to a remedy if the Service does not conform to the contract
• We have 14 days to refund any amounts due following your valid cancellation

18.4 14-Day Cancellation Right (UK)

UK consumers have a right to cancel within 14 days of purchase, similar to EU consumers (see Section 17.3). The same exceptions apply for digital services where performance has begun with your consent.

18.5 No Arbitration for UK Consumers

The arbitration agreement in Section 16.1 does not apply to UK consumers. You retain your right to bring claims in the courts of England and Wales (or Scotland/Northern Ireland as applicable).

18.6 UK GDPR

Our processing of your personal data is governed by UK GDPR and the Data Protection Act 2018. See our Privacy Policy for details of your data protection rights.

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19. Contact Us

If you have questions about these Terms, please contact us:

General Enquiries: in@lumman.ai
Legal & Terms: in@lumman.ai
Privacy: in@lumman.ai
Website: https://www.qaipa.com

Lumman Ltd
Company Registration Number: 15425759
Registered in England and Wales
Registered Office: 86-90 Paul Street, London, Greater London, England, EC2A 4NE, United Kingdom
United Kingdom

EU Representative: Contact in@lumman.ai for EU-related enquiries
US Agent for Service of Process: Contact in@lumman.ai for US legal matters

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Appendix A: Emergency Services Acknowledgment

By creating an account or using Qaipa, you confirm that you have read, understood, and agree to the following:

☐ I understand that Qaipa cannot be used to contact emergency services (911, 999, 112, or any emergency number in any country).

☐ I understand that Qaipa is not a replacement for traditional telephone services.

☐ I have alternative means available to contact emergency services if needed.

☐ I understand that Lumman Ltd is not liable for any consequences arising from my inability to contact emergency services through Qaipa.

☐ I will not attempt to use Qaipa for any emergency or life-threatening situation.

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Appendix B: AI Service Acknowledgment

By using Qaipa, you confirm that you understand and accept:

☐ Qaipa uses artificial intelligence to conduct calls on my behalf.

☐ AI-generated transcriptions and summaries may contain errors and should be verified.

☐ The AI may not successfully complete all calling tasks.

☐ I am responsible for reviewing all call outcomes before relying on them.

☐ Qaipa does not provide legal, medical, financial, or other professional advice.

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Appendix C: US Arbitration Opt-Out Form

To opt out of arbitration (US users only):

Email to in@lumman.ai within 30 days of accepting these Terms:

Subject: Arbitration Opt-Out

I wish to opt out of the binding arbitration agreement in Section 16.1 of the Qaipa Terms of Service.

Name: [Your full legal name]
Account Email: [Your Qaipa account email]
Address: [Your mailing address]
Date: [Today's date]

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These Terms of Service are effective as of 1 January 2026.

© 2026 Lumman Ltd. All rights reserved.