⚠️ Founder-reviewed interim version — posted 2026-04-21. This page has been reviewed by BNC Solutions LLC's founder for accuracy about how MeMe Care actually operates. An independent attorney review is in progress. We will update this page and note the date when that review completes. Material changes require your re-acceptance per Section 13A.

MeMe Care Terms of Service

Effective date: 2026-04-21 Last updated: 2026-04-21 Version: 2.0

1. Acceptance

These Terms are a contract between you and BNC Solutions LLC ("BNC", "we"). By creating a MeMe Care account, installing the app, or linking a Primary User's device, you agree to these Terms. If you don't agree, don't use the service.

2. Eligibility — United States only

• MeMe Care is offered only to natural persons age 18 or older residing in the United States (including Puerto Rico, US Virgin Islands, Guam, American Samoa, and the Northern Mariana Islands).
• By creating an account, you represent and warrant that you are a US resident, your billing address is in the United States, and you have lawful authority to use and pay for the service.
• Non-US residents are not permitted to use the service. Accounts determined to be outside the United States may be suspended without refund.
• The Primary User whose device is linked can be any age 18+, but the adult who sets up the account confirms that the Primary User consents to using the app.
• One account may cover one or more Primary Users, subject to your plan.

2A. Parties — Account Holder and Primary User

• Account Holder: a natural person age 18 or older who creates the account, is billed for the service, and is the legal contracting party under these Terms. The Account Holder is the payer of record and the responsible party for authorizing Primary User access.
• Primary User: a person whose device is linked to the Account Holder's subscription. Primary Users are not parties to this contract; all acceptance, consent, and billing authority flows through the Account Holder.
• Authority to bind. The Account Holder represents and warrants that they have lawful authority to subscribe on behalf of any Primary User linked to the account — for example, as a trusted contact setting up for another consenting adult, as an agent under a valid power of attorney, or as a court-appointed guardian.
• No creation of guardianship. Nothing in this service makes MeMe Care a guardian, fiduciary, or agent of the Primary User.
• Capacity and revocation. If the Primary User loses decisional capacity, the Account Holder agrees to promptly notify MeMe Care and either produce documentation of authority (POA, guardianship) or discontinue the Primary User's access. A licensed guardian or POA-holder not already the Account Holder may assume control of the account by written request with documentation.

3. What MeMe Care is — and isn't

MeMe Care is a voice-first mobile app that uses AI to describe and explain photos the Primary User takes — bills, mail, medication labels, possible scams, screens, and similar everyday documents.

MeMe Care is an informational tool. It is not:

• Medical, pharmaceutical, or clinical advice
• Legal advice
• Financial, tax, or investment advice
• An emergency service
• A replacement for a doctor, pharmacist, lawyer, accountant, or trusted contact

Do not take action based solely on what MeMe Care says. Always confirm important decisions — paying a bill, taking a medication, clicking a link, giving anyone money or information — with a qualified professional or someone you trust.

The AI may be wrong, incomplete, or misread a document. That is a known limitation.

4. Your account

• The adult who sets up the account is the Account Holder. They are responsible for activity on the account and for keeping contact info current.
• Primary Users link to the account using a one-time token (SMS link or on-device setup). No password is required for the Primary User.
• Keep your login for Apple, Google, or email magic-link (used for sign-in) secure. You are responsible for unauthorized access that results from your login being compromised.
• You agree the information you provide about yourself and the Primary User is accurate.

5. Subscription and billing

MeMe Care is sold through three channels:

• (a) Apple In-App Purchase on iOS
• (b) Google Play Billing on Android
• (c) Stripe for web purchases at app.memecare.ai

Each channel's billing, renewal, and refund policies govern purchases made through that channel.

Plans and prices are shown in the app and on memecare.ai/pricing at the time of purchase. Subscriptions renew automatically until you cancel.

To cancel:

• Apple IAP purchases: cancel via Apple App Store → Subscriptions.
• Google Play purchases: cancel via Google Play → Subscriptions.
• Stripe web purchases: cancel via the Billing Portal link in your account settings at app.memecare.ai.

Refunds:

• Apple and Google refunds are handled under their respective policies. We can ask them on your behalf but cannot override their decisions.
• Stripe web refunds are at our reasonable discretion, generally pro-rated to the unused portion of the current billing period. Email support@memecare.ai.

Taxes are collected by Apple, Google, or Stripe according to your billing address.

6. Acceptable use

You agree not to:

• Use MeMe Care to impersonate another person or misrepresent the Primary User
• Submit photos of other people's mail or documents without their consent
• Scrape, reverse-engineer, or automate the service beyond normal app use
• Use MeMe Care to harass, defraud, or harm anyone
• Introduce malware, probe for vulnerabilities, or abuse rate limits
• Resell or sublicense the service
• Use MeMe Care in ways that violate applicable law

We may suspend or terminate accounts that violate this section.

6A. Reporting obligations and safety incidents

MeMe Care uses automated classifiers to detect certain categories of content and to help authorities protect users and third parties. Your agreement to these Terms constitutes your acknowledgment and consent to the following practices.

• Child sexual abuse material (CSAM). Consistent with federal law (18 USC §2258A), MeMe Care reports apparent CSAM to the National Center for Missing and Exploited Children (NCMEC) via the Cloudflare CSAM Scanning Tool. Reports include metadata and the image. Accounts with confirmed CSAM matches are suspended immediately pending review.
• Threats of violence against identifiable third parties. Where MeMe Care's automated systems detect language indicating a credible threat of violence against an identifiable third party, MeMe Care may, at its sole discretion and consistent with applicable law, preserve the relevant transcript, aggregate identifying metadata from your account, and voluntarily refer the matter to the Federal Bureau of Investigation or local law enforcement. Account Holder acknowledges that such referrals may occur without prior notice.
• Self-harm. If the Primary User expresses suicidal ideation or acute distress, MeMe Care will route the user to 988 (the Suicide and Crisis Lifeline) and notify the Account Holder's designated family contact. In cases of apparent imminent self-harm, MeMe Care may additionally provide identifying information to local law enforcement for a welfare check, consistent with applicable state law.
• Elder abuse. Where MeMe Care flags apparent elder-abuse indicators from voice or text (including but not limited to verbal abuse reports or coercion signals), MeMe Care may notify the Account Holder and, in circumstances described in the Privacy Policy, the appropriate state Adult Protective Services hotline. Account Holder acknowledges that MeMe Care may make such referrals without prior notice to the Account Holder when a reasonable basis exists to believe the Account Holder is the suspected abuser.
• Political content is out of scope. MeMe Care does not analyze, report, refer, or preserve content regarding political figures, political parties, elections, public officials, or partisan topics. Such content is refused at the classifier layer and is never routed to any reporting channel, regardless of the framing or language used.

6B. No duty to detect, prevent, or warn

• MeMe Care is an AI-assisted informational tool. It is not a monitoring service, a caregiver, a guardian, or a licensed professional of any kind.
• MeMe Care attempts in good faith to recognize some scam patterns, medical emergencies, safety incidents, and abuse indicators, and to route users to appropriate resources. MeMe Care makes no guarantee that it will detect any specific risk or prevent any specific harm. The absence of a warning is not a guarantee of safety; the presence of a warning is not a guarantee of risk.
• Account Holder and Primary User agree not to rely on the service as the primary or sole safeguard against fraud, medical events, abuse, self-harm, or any other harm. Treat MeMe Care as one informational input among many; verify anything that matters with qualified professionals or trusted contacts.

6C. Voice recording consent

• MeMe Care records the Primary User's voice transiently to transcribe requests and to run safety classifiers. Voice audio is not retained under the ordinary path (see Privacy Policy).
• Account Holder warrants that they have authority to enable voice recording on the Primary User's behalf. In jurisdictions requiring multi-party consent (including California, Florida, Illinois, Maryland, Massachusetts, Montana, New Hampshire, Pennsylvania, and Washington), Account Holder confirms that the Primary User has been informed of the recording practice and has consented.

7. Your content

You retain ownership of the photos and questions you submit. You grant BNC a limited, non-exclusive, worldwide license to process that content solely to deliver the service (send it to the AI, return an explanation, detect scams, create the scan metadata record). We do not retain photos, audio, or AI explanations on our servers. We do not use your content to train AI models.

8. Our intellectual property

The MeMe Care app, website, branding, voice assets, prompts, and backend are owned by BNC or our licensors and are protected by copyright and trademark law. We grant you a personal, non-transferable, non-exclusive license to use the app as intended.

9. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, NON-INFRINGEMENT, AND UNINTERRUPTED OPERATION.

We specifically disclaim warranties that AI output is accurate, complete, or suitable for any decision. You accept that AI makes mistakes and you will verify anything that matters.

10. Limitation of liability

TO THE MAXIMUM EXTENT ALLOWED BY LAW:

• BNC is not liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including lost data, lost profits, or missed opportunities.
• BNC's total aggregate liability for any claim arising from the service is limited to the greater of (a) $100 or (b) the subscription fees you paid us in the 12 months before the event giving rise to the claim.
• Some jurisdictions don't allow these limits; in those jurisdictions our liability is limited to the smallest amount allowed by law.

11. Indemnification

You agree to indemnify BNC against third-party claims arising from (a) your misuse of the service, (b) content you submitted that you had no right to submit, or (c) your breach of these Terms. We will indemnify you, in equal measure, against third-party claims that MeMe Care's service itself infringes a US copyright or trademark, provided you notify us promptly and cooperate. These are the only indemnities under these Terms.

12. Termination

• You may stop using MeMe Care at any time by cancelling your subscription and deleting your account.
• We may suspend or terminate accounts for violation of these Terms, for prolonged inactivity, or if we discontinue the service. Where possible, we will give notice.
• Sections that by their nature should survive (IP, disclaimers, liability limit, indemnity, governing law, dispute resolution) survive termination.

13. Governing law and dispute resolution

These Terms are governed by the laws of the State of New York, without regard to conflicts-of-law rules.

Arbitration. Any dispute between you and BNC will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The seat of arbitration is New York County, New York; proceedings may be conducted by video.

No class actions. Disputes must be brought individually. You waive class, collective, and representative actions except where prohibited by law.

Small claims. Either party may bring a qualifying claim in small-claims court instead of arbitration, up to the applicable court's jurisdictional limit.

Opt-out. You may opt out of arbitration by emailing support@memecare.ai within 30 days of first accepting these Terms with the subject line "Arbitration Opt-Out" and your account email. We will record your opt-out and confirm by reply.

13A. Consent versioning

• Material amendments to these Terms, the Privacy Policy, or the AI Disclosure require Account Holder's affirmative re-acceptance. Continued use after notice without re-acceptance will trigger a service hold on non-emergency features until re-acceptance is recorded.
• Each consent event is recorded with the document hash, version, acceptance timestamp, IP address, user agent, and consent-button label (ESIGN Act / UETA electronic-signature compliance). By tapping any "I Agree" button in the service you are signing this agreement electronically; your electronic signature has the same effect as a handwritten signature. You have the right to receive a paper copy of any document you have accepted by emailing support@memecare.ai.

14. Changes

We may update these Terms. Material changes will be announced in-app and at memecare.ai/terms at least 30 days before they take effect. Continued use after the effective date means you accept the change.

15. Contact

support@memecare.ai

BNC Solutions LLC 418 Broadway, Ste. N Albany, NY 12207

A Spanish-language informational translation of these Terms is available at memecare.ai/terms?lang=es. The English version is the legally binding agreement.