AI Policy — Luke Tobin

CRITICAL AI SERVICE WARNINGS AND DISCLAIMERS

SERVICE NAME DISCLAIMER

IMPORTANT: The "Co-founder" service name is purely descriptive and does NOT create, imply, or establish:

Any business partnership, joint venture, or legal relationship
Fiduciary duties, partnership obligations, or shared business interests
Actual co-founding, advisory, consulting, or professional service relationships
Legal, contractual, or beneficial ownership in any business or venture

TERMINOLOGY PROTECTION: References to "co-founder," "partner," "business partner," "advisor," "consultant," "coach," "mentor," or any similar descriptive terms used in connection with this service are:

Purely metaphorical and descriptive of AI functionality
NOT intended to create legal relationships or obligations
NOT representations of professional qualifications or services
Subject to all limitations and disclaimers in this policy

MANDATORY USER ACKNOWLEDGEMENT

BY USING OUR CO-FOUNDER AI SERVICE, YOU EXPLICITLY ACKNOWLEDGE AND AGREE THAT:

AI HALLUCINATION RISK: Artificial Intelligence systems can generate completely false, misleading, or fabricated information ("hallucinations") that may appear credible. Recent court cases have resulted in fines exceeding £50,000 for relying on AI-generated false information. YOU ACCEPT FULL RESPONSIBILITY for verifying all AI outputs independently.

NO PROFESSIONAL ADVICE: This service provides NO professional, legal, financial, medical, tax, investment, business consulting, or advisory services whatsoever. AI responses are generated by algorithms, not qualified professionals. Any resemblance to professional advice is purely coincidental.

NO BUSINESS RELATIONSHIP: The "Co-founder" service name and any related terminology (including "partner," "advisor," "consultant," "coach," "mentor") are purely descriptive labels for AI functionality and do NOT establish:

Business partnerships or joint ventures
Professional service relationships
Fiduciary duties or obligations
Shared ownership or business interests
Legal liability for your business decisions
Responsibility for your business outcomes

VOICE CLONING TECHNOLOGY: Our AI uses voice synthesis technology to replicate Luke Tobin's voice characteristics. THIS IS NOT LUKE TOBIN SPEAKING. All voice interactions are generated by artificial intelligence. Users acknowledge that:

Voice synthesis does not represent personal communication from Luke Tobin
AI-generated voice content does not reflect Luke Tobin's personal views or current opinions
Luke Tobin bears no responsibility for the content of voice-synthesised communications
Voice cloning technology may be subject to evolving legal restrictions
Misuse of voice-generated content could damage Luke Tobin's personal reputation and is strictly prohibited

Co-founder AI Service Description

Our Co-founder AI service ("AI Service" or "the Service") uses artificial intelligence technology for:

Automated information processing and analysis
AI-generated business suggestions and recommendations
Voice synthesis using digital voice technology
Calendar and meeting management automation
Content suggestions based on training data

CRITICAL DISCLAIMER: This is an AI technology service, NOT:

A business partnership or co-founding arrangement
Professional consulting, advisory, or coaching services
A substitute for qualified business, legal, or financial advice
A fiduciary relationship of any kind
A guarantee of business success or specific outcomes

NO PARTNERSHIP CREATED: Use of terms like "co-founder," "partner," "advisor," or similar language is purely descriptive of AI functionality and creates NO legal relationship, business partnership, joint venture, or shared business interests between you and TOBIN CAPITAL LIMITED or Luke Tobin personally.

IMPORTANT: THIS SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND

ENHANCED AI LIABILITY DISCLAIMERS

ACCURACY DISCLAIMER:

AI responses are probabilistic outputs that may contain errors, omissions, fabrications, or outdated information
We make NO representations about accuracy, completeness, reliability, or suitability for any purpose
AI training data has a knowledge cutoff and may not reflect current circumstances
Results vary significantly based on input quality and context

PROFESSIONAL LIABILITY EXCLUSION:

This service does NOT replace qualified professional advice
We are NOT providing professional services in any regulated field
Users requiring professional advice must consult appropriately qualified professionals
Any decisions based on AI outputs are made entirely at your own risk

TECHNOLOGY LIMITATIONS:

AI systems can produce biased, inappropriate, or harmful content
Voice synthesis may be misinterpreted as human communication
Calendar integrations may result in scheduling errors or conflicts
System availability is not guaranteed and may be interrupted without notice

VOICE CLONING AND DEEPFAKE TECHNOLOGY WARNINGS

CRITICAL DISCLOSURE: Our AI Service uses advanced voice synthesis technology that may be indistinguishable from human speech. Under EU AI Act Article 50 and emerging UK regulations:

MANDATORY LABELLING: All AI-generated voice content is clearly identified as artificial NOT HUMAN COMMUNICATION: No voice interactions represent actual communication from Luke Tobin BIOMETRIC DATA PROCESSING: Voice synthesis may process biometric characteristics requiring enhanced data protection PERSONALITY RIGHTS: Unauthorised use of generated voice content may violate personality rights FRAUD PREVENTION: Users must not use voice synthesis for deceptive, fraudulent, or illegal purposes EVOLVING REGULATION: Voice cloning faces increasing legal restrictions; compliance is user's responsibility

LIABILITY WARNING: Misuse of voice cloning technology may result in criminal liability, civil claims, and regulatory sanctions. We provide this technology for legitimate business purposes only.

MAXIMUM LIABILITY LIMITATIONS AND USER RESPONSIBILITIES

COMPREHENSIVE LIABILITY EXCLUSIONS

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

TOTAL LIABILITY CAP: Our total liability to you for all claims arising from or relating to the AI Service, regardless of the theory of liability, shall not exceed the greater of (i) three times the total amount paid by you for the AI Service in the 12 months preceding the claim, or (ii) £1,000.

EXCLUDED DAMAGES: WE SHALL NOT BE LIABLE FOR:

Consequential, indirect, incidental, special, or punitive damages
Lost profits, revenue, data, opportunities, or business interruption
Costs of procurement of substitute services
Personal injury or property damage (except where legally prohibited)
Damages arising from AI hallucinations, errors, or malfunctions
Professional negligence claims related to AI-generated content
Data protection violations resulting from user misuse
Third-party claims based on AI outputs
Regulatory fines, penalties, or sanctions
Business partnership, joint venture, or co-founding relationship claims
Claims arising from business decisions influenced by AI suggestions
Fiduciary duty breach claims or professional service relationship allegations
Claims based on misunderstanding of service terminology or descriptions
Reputational damage or defamation claims against Luke Tobin personally
Professional or personal brand harm arising from AI service performance
Claims that AI-generated content reflects Luke Tobin's personal views or endorsements

CONSUMER RIGHTS: Nothing in these terms excludes liability for death or personal injury caused by negligence, fraud, or other rights that cannot be excluded under UK consumer protection law.

ENHANCED USER RESPONSIBILITIES AND INDEMNIFICATION

USER OBLIGATIONS: You agree to:

Verify All AI Outputs: Independently fact-check and validate all AI-generated information before use
No Reliance on AI: Not rely solely on AI outputs for important business or personal decisions
Professional Consultation: Seek qualified professional advice for regulated or specialised matters
Lawful Use Only: Use the service only for legitimate, legal purposes
Content Responsibility: Take full responsibility for how you use, share, or act upon AI-generated content
Security Measures: Implement appropriate safeguards to prevent unauthorised access to AI outputs
Regulatory Compliance: Ensure your use complies with all applicable laws and regulations

INDEMNIFICATION: You agree to indemnify, defend, and hold harmless TOBIN CAPITAL LIMITED and Luke Tobin personally, along with their respective directors, officers, employees, and agents from and against all claims, damages, losses, costs, and expenses (including reasonable legal fees) arising from:

Your use or misuse of the Co-founder AI Service
Your violation of these terms or applicable laws
Any content you submit to or generate through the AI Service
Claims that your use of AI outputs infringes third-party rights
Professional negligence claims related to your reliance on AI outputs
Regulatory violations resulting from your use of the service
Any fraud or criminal activity involving AI-generated content
Claims alleging business partnership, joint venture, or co-founding relationships
Claims arising from your business decisions influenced by AI-generated suggestions
Misrepresentation of the nature or scope of services provided
Claims by third parties alleging we owe fiduciary duties or professional obligations to you
Reputational damage or defamation claims against Luke Tobin personally
Public criticism, negative reviews, or media coverage linking Luke Tobin personally to AI service issues
Misattribution of AI-generated content to Luke Tobin's personal views or endorsements

COMPREHENSIVE DATA PROTECTION AND AI TRAINING

Enhanced AI Data Processing Disclosure

CRITICAL DATA NOTICE: AI systems require extensive data processing that may affect your privacy rights. By using our Co-founder AI Service, you explicitly consent to:

AI Training Data Usage:

Conversation analysis for AI model improvement (anonymised after 24 months)
Pattern recognition for enhanced response generation
Third-party AI service integration (Google, OpenAI, Anthropic) with appropriate safeguards
Cross-border data transfers to US and other jurisdictions with adequacy decisions
Biometric voice data processing for synthesis technology
Calendar and meeting data integration for scheduling services

GDPR Article 22 Compliance:

You have the right not to be subject to fully automated decision-making
Human oversight is available upon request for significant decisions
You may challenge automated decisions and request human review
Profiling activities are limited to service improvement and personalisation

Data Retention Framework:

Personal data: Retained only as long as necessary for stated purposes
Training data: Anonymised and retained indefinitely for AI improvement
Voice characteristics: Processed in real-time, not permanently stored
Calendar integrations: Synchronised as needed, deleted upon disconnection
Conversation logs: 7 years for business users, 2 years for consumer users

Regulatory Compliance and Enforcement Protection

EU AI Act Compliance: Our Co-founder AI Service implements:

Transparency obligations under Article 50 for AI-generated content
Human oversight mechanisms for high-risk decisions
Bias monitoring and mitigation procedures
Documentation requirements for AI system governance
Incident reporting procedures for AI malfunctions

UK Data Protection Standards:

ICO guidance compliance for AI and automated decision-making
Legitimate interest assessments for AI training activities
Age verification systems meeting ICO standards
Data protection impact assessments for high-risk processing
Privacy by design implementation throughout AI systems

Cross-Border Transfer Safeguards:

UK International Data Transfer Agreements (IDTAs) where applicable
EU Standard Contractual Clauses (SCCs) for third-country transfers
Adequacy decision reliance for US data transfers
Additional safeguards for sensitive personal data
Regular review of transfer mechanisms as regulations evolve

SERVICE LIMITATIONS AND AVAILABILITY

System Availability Disclaimers

No Uptime Guarantee: AI Service availability is provided on a "best efforts" basis without uptime commitments
Maintenance Windows: Service may be interrupted for updates, security patches, or regulatory compliance requirements
Third-Party Dependencies: Availability depends on external AI providers (OpenAI, Google, etc.) beyond our control
Capacity Limitations: Usage may be throttled during peak demand to maintain system stability
Geographic Restrictions: Service may be limited or unavailable in certain jurisdictions due to legal requirements

Content and Output Limitations

No Editorial Control: We cannot predict, control, or pre-approve AI-generated content
Bias and Discrimination: AI systems may reflect biases present in training data
Temporal Limitations: Training data has knowledge cutoffs and may not reflect current events
Language Limitations: Optimal performance in English; other languages may produce inferior results
Context Sensitivity: AI may misinterpret nuance, sarcasm, or cultural references

Usage Restrictions and Prohibited Activities

You must NOT use our Co-founder AI Service for:

Regulated Professional Services: Legal advice, medical diagnosis, financial planning, tax preparation
High-Risk Decisions: Life-or-death situations, safety-critical systems, emergency responses
Fraudulent Activities: Impersonation, market manipulation, academic dishonesty
Harmful Content: Illegal activities, harassment, defamation, privacy violations
Competitive Intelligence: Reverse engineering, competitive analysis for direct competitors
Automated Systems: Creating competing AI services or training competing models
Misrepresenting Service Nature: Claiming actual business partnership, professional service relationship, or co-founding arrangement exists
Creating Legal Obligations: Attempting to create fiduciary duties, partnership obligations, or professional service relationships through use of the service
Third-Party Misrepresentation: Representing to others that you have a business partnership or professional relationship with Luke Tobin or TOBIN CAPITAL LIMITED based on use of this service
Personal Brand Damage: Making defamatory statements about Luke Tobin personally, attributing AI outputs to his personal views, or damaging his professional reputation
Misattribution: Claiming AI-generated content represents Luke Tobin's personal opinions, endorsements, or professional advice

PERSONAL BRAND AND REPUTATION PROTECTION

Luke Tobin Personal Brand Disclaimer

CRITICAL SEPARATION: This Co-founder AI Service is a technology product of TOBIN CAPITAL LIMITED. Luke Tobin's personal brand, reputation, and professional standing are entirely separate from AI-generated content and service performance.

NO PERSONAL ENDORSEMENT: Luke Tobin does NOT personally:

Endorse, approve, or review AI-generated responses before delivery
Guarantee the accuracy, appropriateness, or suitability of AI outputs
Accept responsibility for AI-generated business advice or suggestions
Warrant the performance, reliability, or outcomes of AI interactions
Personally communicate through the AI voice synthesis technology

PERSONAL BRAND PROTECTION: Users acknowledge and agree that:

AI responses do not reflect Luke Tobin's personal views, opinions, or recommendations
Poor AI performance does not constitute grounds for reputational damage claims against Luke Tobin personally
Luke Tobin's professional reputation is separate from and unaffected by AI service quality
No personal relationship exists between users and Luke Tobin based on AI service usage
Luke Tobin retains full rights to protect his personal brand and professional reputation

Reputational Damage Prevention

NO PERSONAL LIABILITY: Luke Tobin shall not be held personally liable for:

Inappropriate, offensive, or harmful AI-generated content
Business losses resulting from following AI-generated suggestions
Professional or reputational harm arising from AI service usage
Misunderstandings about the nature or source of AI responses
Technical failures, service interruptions, or performance issues
User dissatisfaction with AI service quality or outcomes

DEFAMATION PROTECTION: Users agree NOT to:

Make defamatory statements about Luke Tobin personally based on AI service experiences
Attribute AI-generated content to Luke Tobin's personal views or opinions
Claim personal endorsement or approval of AI outputs by Luke Tobin
Damage Luke Tobin's professional reputation through negative reviews or comments related to AI service performance
Misrepresent the nature of AI interactions as personal communications from Luke Tobin

Personal Brand Indemnification

ENHANCED INDEMNIFICATION: Users specifically agree to indemnify Luke Tobin personally against:

Reputational damage claims arising from AI service usage
Defamation or disparagement related to AI-generated content
Professional harm resulting from user misunderstanding of service nature
Third-party claims alleging Luke Tobin personally provided advice or services
Regulatory complaints mistakenly directed at Luke Tobin personally
Media coverage or public criticism linking Luke Tobin personally to AI service issues

BUSINESS RELATIONSHIP AND TERMINOLOGY DISCLAIMERS

No Partnership or Business Relationship

EXPLICIT DISCLAIMER: The Co-founder AI Service is a technology platform providing automated information processing. Despite any terminology used to describe the service:

NO LEGAL RELATIONSHIP EXISTS between you and:

Luke Tobin personally
TOBIN CAPITAL LIMITED
Any affiliated entities or persons

NO BUSINESS ARRANGEMENT is created, including:

Partnerships, joint ventures, or co-founding relationships
Professional service agreements or consulting arrangements
Advisory, coaching, or mentoring relationships
Fiduciary duties or obligations of any kind
Shared business interests, ownership, or profits
Liability for your business decisions or outcomes

Terminology Usage Protection

SERVICE DESCRIPTIONS: Any use of terms including but not limited to:

"Co-founder," "Partner," "Business Partner"
"Advisor," "Consultant," "Coach," "Mentor"
"Assistant," "Helper," "Support," "Guide"
Any similar descriptive language

Are used solely to describe AI functionality and user experience. These terms:

Do NOT create legal relationships or obligations
Do NOT represent professional qualifications or credentials
Do NOT establish fiduciary duties or professional standards
Are subject to all service limitations and disclaimers
May be changed or discontinued at any time

Business Decision Independence

USER RESPONSIBILITY: You acknowledge that:

All business decisions remain entirely your responsibility
AI suggestions are automated outputs, not professional recommendations
No liability attaches to us for your business choices or outcomes
You should seek qualified professional advice for important business decisions
Success or failure of your business ventures is not attributable to our service

TERMINATION AND REMEDIES

Immediate Termination Rights

We may terminate or suspend your access immediately without notice for:

Violation of usage restrictions or prohibited activities
Suspicious or fraudulent activity patterns
Regulatory compliance requirements
Court orders or legal process
Risk to system security or other users
Commercial disputes or payment issues

Effect of Termination

Upon termination:

All access to Co-founder AI Service ceases immediately
Downloaded or cached AI content must be deleted within 30 days
Data retention follows standard deletion timelines unless legally required
Outstanding payment obligations remain due
Liability limitations and indemnification survive termination

Dispute Resolution Framework

Informal Resolution: Initial disputes must be addressed through customer service
Mediation: Formal disputes subject to mediation through UK accredited mediators
Jurisdiction: UK courts have exclusive jurisdiction for all disputes
Governing Law: These terms are governed by English law
Consumer Rights: Nothing affects statutory consumer rights under UK law

REGULATORY CHANGE AND FORCE MAJEURE

Regulatory Adaptation Clause

If changes in AI regulation (including but not limited to the EU AI Act, UK AI bills, or data protection laws) require service modifications:

We may modify or discontinue AI features with 30 days' notice
Updated terms will be provided reflecting new legal requirements
Users may terminate if material adverse changes affect their use
No refunds for regulatory compliance modifications

Force Majeure Events

We are not liable for delays or failures due to:

Government actions, laws, or regulations affecting AI services
Third-party AI provider outages or discontinuations
Internet infrastructure failures or cyber attacks
Natural disasters, pandemics, or other acts of God
Labour disputes, supplier failures, or material shortages

CONSUMER VS COMMERCIAL USER DISTINCTIONS

Consumer Users (individuals using for personal purposes):

Enhanced cancellation rights under Consumer Contracts Regulations
Unfair terms protection under Consumer Rights Act 2015
Right to request human review of automated decisions
14-day cooling-off period for new subscriptions
Proportionate liability limitations (maximum £1,000 or 3x fees paid)

Commercial Users (businesses, professionals, organisations):

Full contractual liability limitations apply
No cooling-off periods or enhanced cancellation rights
Business-to-business dispute resolution procedures
Higher usage limits and priority support
Full indemnification obligations for third-party claims

Classification: User type is determined by the intended use declared during registration. Misrepresentation of user type may result in immediate termination.

INTELLECTUAL PROPERTY AND AI-GENERATED CONTENT

AI Training Data Sources

Our AI is trained using:

Luke Tobin's proprietary content, courses, and materials
Publicly available information and industry knowledge
User interaction data (processed in accordance with our privacy policy)
Licensed content and third-party materials where appropriate

Ownership of AI Interactions

Conversations and interactions with our Co-founder AI Service remain your personal data
AI-generated responses are not considered original creative works owned by us
You retain ownership of any original ideas or content you share with the AI
We retain rights to use interaction data for AI training and service improvement purposes

Third-Party IP Protections

Users are responsible for ensuring AI outputs don't infringe third-party rights
We provide no warranties regarding IP ownership of AI-generated content
Users must independently verify freedom to use AI outputs for their intended purposes
Any IP infringement claims are subject to user indemnification obligations

CONTACT INFORMATION AND LEGAL NOTICES

Service Provider Details

TOBIN CAPITAL LIMITED

Company Registration Number: 12557981
Registered in England and Wales
Trading Names: luketobin.com, Luke Tobin
Contact: hello@luketobin.com

Regulatory Authorities

For data protection complaints:

UK: Information Commissioner's Office (ICO) - ico.org.uk
EU: Your local Data Protection Authority

Updates to This Policy

We may update this AI Policy to reflect legal or operational changes
Material changes will be notified via email or prominent website notice
Continued use constitutes acceptance of updated terms
Previous versions available upon request

FINAL ACKNOWLEDGEMENT: By using our Co-founder AI Service, you confirm that you have read, understood, and agree to be bound by this AI Policy. You acknowledge:

The inherent limitations and risks of AI technology
That no business partnership, professional relationship, or legal obligations are created through use of this service
Full responsibility for your use of AI-generated content and any business decisions influenced by such content
Understanding that service terminology is purely descriptive and creates no legal relationships
That AI-generated content does not reflect Luke Tobin's personal views, opinions, or endorsements
Commitment to protecting Luke Tobin's personal brand and professional reputation
That Luke Tobin is not personally responsible for AI service performance or outcomes
Acceptance of all liability limitations and disclaimers contained herein

This AI Policy incorporates lessons from recent AI litigation, regulatory enforcement actions, and industry best practices as of July 2025. It is designed to provide maximum legal protection while maintaining compliance with UK and EU consumer protection laws.

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AI Policy - Luke Tobin Co-Founder Service