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Terms of Service

Last updated: 23 September 2026

1. About these terms

These terms govern your use of answer4me, an AI-powered call answering service. answer4me is a trading style of FINSERAI, which is a trading name of Andrew Ward, sole trader, registered in England. ICO registration: ZC244000.

By creating an account, you agree to these terms and our Privacy Policy.

2. The service

answer4me provides an AI receptionist that answers phone calls on your behalf. The service includes:

  • A dedicated phone number assigned to your account.
  • An AI agent that answers calls, takes messages, and assesses urgency.
  • SMS and email notifications with call summaries.
  • Calendar integration and appointment booking (Pro and Business plans).
  • VIP contact recognition and priority handling.

3. Your account

  • You must provide accurate information when creating your account.
  • You are responsible for keeping your login credentials secure.
  • One account per phone number. You may not create multiple accounts with the same mobile number.
  • You must be 18 or over to use the service.

4. Free trial

New accounts receive 5 free calls with no payment required. After your free calls are used, you must choose a paid plan to continue using the service. Free trial calls cannot be carried over or combined with paid plan allowances.

5. Pricing and billing

  • Subscription plans are billed monthly via Stripe.
  • Prices are listed on our website and may change with 30 days' notice.
  • Upgrades take effect immediately with prorated charges for the remaining billing period.
  • Downgrades take effect at the end of the current billing period.
  • If payment fails, your service may be suspended until payment is resolved.

6. Cancellation

  • You can cancel your subscription at any time from your dashboard.
  • Upon cancellation, your service remains active until the end of the current billing period.
  • Your phone number is released 30 days after cancellation.
  • You can delete your account and all data at any time from your dashboard settings.
  • We do not offer refunds for partial months of service.

7. Acceptable use

You agree not to:

  • Use the service for any unlawful purpose.
  • Attempt to manipulate, reverse-engineer, or abuse the AI agent.
  • Use the service to make outbound calls, send unsolicited messages, or conduct telemarketing.
  • Share your AI number publicly for the purpose of generating excessive or abusive call traffic.
  • Resell or sublicense the service without written permission.

8. Service limitations

  • The AI receptionist is not a human. While designed to sound natural, it may occasionally misunderstand or incorrectly transcribe information.
  • We do not guarantee 100% uptime. The service depends on third-party providers (ElevenLabs, Twilio) which may experience outages.
  • Call quality depends on the caller's phone connection and network conditions.
  • The AI will not make commitments, agree to contracts, or share personal information on your behalf.
  • Monthly minute allowances and call duration limits apply as per your plan.

9. Caller consent

By using answer4me, you acknowledge that callers to your AI number will be speaking with an AI-powered system. While the AI does not identify itself as AI during calls (by design), a text transcript is generated and stored for 30 days. No audio recordings are made or stored.

It is your responsibility to inform relevant parties (e.g. clients, customers) that their calls may be handled by an AI assistant if required by your industry regulations or professional obligations.

10. Liability

  • answer4me is provided “as is” without warranty of any kind.
  • We are not liable for missed calls, incorrect transcriptions, failed notifications, or any loss arising from use of the service.
  • Our total liability is limited to the amount you have paid for the service in the 12 months preceding the claim.
  • Nothing in these terms limits liability for death, personal injury, or fraud.

11. Changes to these terms

We may update these terms from time to time. Material changes will be communicated via email at least 30 days before they take effect. Continued use of the service after changes constitutes acceptance.

12. Governing law

These terms are governed by the laws of England and Wales. Disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Contact

Questions about these terms? Email hello@answer4me.online.