The fine print.

Publisher

The website ghzcreative.ai and the products listed in the next section are published by:

GHZ Creative - F.Z.E
Free Zone Establishment (F.Z.E), limited liability
Registered with the Ajman Free Zone Authority, licence number 49512
Registered office: Ajman Boulevard-A Building, B.C. 6010447, Ajman Free Zone, Ajman, United Arab Emirates

Licensed activities include software publishing, computer programming, website design, e-commerce and the online sale of digital products and services.

Director of publication

The legal representative of GHZ Creative - F.Z.E.

Contact

One address for everything: support, billing, privacy, legal requests, security reports and abuse reports.

ilyess@ghzcreative.ai

We answer within 30 days at the latest, usually within two working days.

Hosting and infrastructure

• Website: Vercel Inc., 440 N Barranca Ave #4133, Covina, CA 91723, United States.
• API, databases and files: a dedicated server rented from Contabo GmbH, Aschheimer Str. 6, 81677 Munich, Germany, located in the European Union and administered by GHZ Creative - F.Z.E.
• Network, DNS and traffic filtering: Cloudflare, Inc., 101 Townsend St, San Francisco, CA 94107, United States.

Domain names

ghzcreative.ai and its subdomains, including api.ghzcreative.ai, are operated by GHZ Creative - F.Z.E. The domain names of the other products are listed in the next section.

Intellectual property

The website, its texts, code, design and logos, the GHZ name and the names and logos of the products below belong to GHZ Creative - F.Z.E, unless stated otherwise. Reproduction without prior written permission is prohibited, except normal browsing, caching and fair quotation with a link to the source. Third-party names and logos (exchanges, AI providers, platforms) belong to their owners and are used only to identify them.

Which terms apply

• Each product’s own terms apply to that product. If they differ from this page on a point, the product’s terms win for that product.
• This page applies to everything else: the ghzcreative.ai website, your GHZ Creative account, GHZ Code, GHZ Voice, GHZ Creative Suite and requests sent to the studio.
• The legal notice above applies to all of them. The publisher, the company details and the contact address are the same everywhere.

Trading products are not financial advice

FundingView, GHZ Composite and CrossDesk deal with crypto-asset markets. Nothing published by GHZ Creative is investment, legal or tax advice, or a recommendation to buy or sell anything. Trading crypto-assets and derivatives carries a high risk of losing part or all of your capital. The specific risks, and what each product does and does not do with your funds, are set out in that product’s own terms. Read them before you use it.

One contact for every product

For any question or request about any of these products, you can write to ilyess@ghzcreative.ai.

1. Who we are and what these terms cover

These terms are a contract between you and GHZ Creative - F.Z.E (“GHZ Creative”, “we”, “us”), the publisher identified in the legal notice. They cover the website ghzcreative.ai, the API at api.ghzcreative.ai, your GHZ Creative account, the GHZ Code and GHZ Voice desktop apps, and the GHZ Creative Suite licence. Our other products have their own terms, listed in Products published by GHZ Creative.

By creating an account, downloading an app or buying a licence, you accept these terms, the Privacy Policy, the Refund Policy and the Acceptable Use Policy. If you do not agree, do not use the services.

2. Eligibility and accounts

You must be at least 18, or the age of majority where you live. If you act for a company, you confirm you can bind it to these terms.

You sign in with an email and password or with Google. Keep your credentials private and tell us at ilyess@ghzcreative.ai if you think someone else has access to your account. One account is for one person.

3. The apps

• GHZ Code is a macOS app for running AI coding agents and terminals side by side. It runs on your Mac: your code, terminals and prompts stay on your machine.
• GHZ Voice is a macOS dictation app. When you use transcription or text cleanup, your audio or text is sent through our API to third-party AI providers, then the result comes back to you (see the Privacy Policy).

Both apps need an account and a valid licence to unlock paid features. They check the licence and look for updates on our servers, and install updates automatically.

4. Your licence

When you buy GHZ Creative Suite, we grant you a personal, non-exclusive, non-transferable licence to install and use the apps included in the Suite on Macs you own or control. The licence is lifetime: it does not expire and does not renew. Apps we add to the Suite later are included at no extra cost.

You may not resell, share or sublicense the apps or your account, remove proprietary notices, or reverse-engineer the apps except where the law expressly allows it.

“Lifetime” means for as long as we operate the apps. If we ever stop an app for good, we will tell licence holders in advance and, where appropriate, offer a replacement or a partial refund as described in the Refund Policy.

5. Price, payment and taxes

The price of GHZ Creative Suite is shown on the pricing page, in US dollars, and paid once. Payments are processed by Stripe; we never see or store your card number. GHZ Creative - F.Z.E is established in the United Arab Emirates and does not add VAT to the price; your bank or local tax rules may still apply to your purchase.

Customers of the former GHZ Plus and GHZ Pro monthly plans keep their subscription until they cancel it from their account. Access stays active until the end of the period already paid.

6. Studio requests

Sending a brief through the studio form does not create a contract. Any studio project is covered by a separate written agreement that sets its scope, price and deadlines.

7. Third-party services

The services rely on third parties: Stripe for payments, Groq, OpenAI and OpenRouter for the AI features of GHZ Voice, Resend for emails, Google for optional sign-in, and the hosting providers named in the legal notice. Their own terms also apply to what they do. We are not responsible for their outages or changes, but we choose them carefully and replace them if they stop meeting our standards.

8. Your content

What you dictate, type or create with the apps stays yours. You give us only the permission needed to process it and send the result back to you. AI output can be wrong or incomplete: review it before you rely on it.

9. Changes to the services

We improve the apps continuously and may add, change or remove features. Some features may be marked as beta. If a change materially reduces what a paid licence includes, we will tell you by email in advance.

10. Warranties and liability

We build the services carefully, but we provide them “as is” and “as available”, without guarantee that they will be uninterrupted or error-free, to the extent the law allows.

To the extent the law allows, we are not liable for indirect or consequential losses, such as lost profits, revenue or data. Our total liability for any claim is limited to the greater of the amount you paid us in the 12 months before the claim or 100 US dollars. Nothing in these terms limits liability that cannot be limited by law, or your rights as a consumer.

11. Suspension and closing your account

You can delete your account at any time from the account page. We may suspend or close an account that breaks these terms, is linked to fraud or abusive chargebacks, or harms other users or the services. We act proportionately and, where possible, give you a chance to fix an unintentional breach first.

12. Changes to these terms

The current version is always on this page, with its date. If we make a material change, we tell account holders by email before it applies. Continuing to use the services after that date means you accept the new version.

13. Governing law

These terms are governed by the laws of the Emirate of Ajman and the federal laws of the United Arab Emirates. Before going to court, we will try to settle any dispute amicably: write to us first. Failing that, the courts of the Emirate of Ajman have jurisdiction, unless the consumer-protection law of your country gives you the right to another court.

14. Contact

ilyess@ghzcreative.ai

1. Who is responsible

GHZ Creative - F.Z.E, the publisher identified in the legal notice, is the controller of the personal data described here. Our other products (FundingView, getbrief, GHZ Composite, CrossDesk) explain their own data practices on their own sites. For any privacy request: ilyess@ghzcreative.ai.

2. What we collect, and why

When you visit the website

Nothing that identifies you. We measure visits with Vercel Web Analytics, which works without cookies and does not follow you across sites. Our hosting and network providers process IP addresses briefly in technical logs to deliver the pages and block attacks.

When you contact the studio

The form sends us your name, email, company (optional), the type of project and your message. It is delivered by email to our inbox; it is not stored in a database. We use it only to answer you and, if we work together, to run the project.

When you create an account

• Your email address, your name if you give one, and whether your email is verified.
• Your password, stored only as a one-way hash (bcrypt). We cannot read it.
• If you sign in with Google: your Google account identifier, email, name and profile picture. Nothing else from your Google account.
• For each session: a hashed token, the device’s user agent and IP address, and the dates it was created and used, so you stay signed in and we can spot stolen sessions.

When you buy a licence

Stripe processes the payment; we never see your card number. We keep your Stripe customer reference, what you bought, the amount, the payment status and the Stripe identifiers we need for refunds and disputes.

When you use GHZ Code

GHZ Code runs on your Mac. Your code, terminals, prompts and projects stay on your machine and are never sent to us. The app contacts our servers only to sign you in, check your licence, and check for and download updates (sending the app, platform and version).

When you use GHZ Voice

When you dictate with transcription or cleanup turned on, your audio is sent through our API to Groq for transcription, and the text to OpenAI or OpenRouter for cleanup. We do not keep the audio or the text after the request is answered. We log technical details of each request (time, action, size, status, duration and provider) to enforce fair-use limits and fix problems.

Your dictation history, dictionary and settings are stored only on your Mac, in the app’s own folder.

3. Legal bases

• Contract: your account, your licence, the apps and their AI features, and answering your studio request.
• Legitimate interest: security, fraud prevention, fair-use limits, debugging and aggregate statistics, kept proportionate to those goals.
• Legal obligation: accounting and tax records, and answering lawful requests from authorities.

4. Who else handles your data

Only the providers we need, each for its own part:

• Stripe (USA / Ireland): payments.
• Groq (USA): speech-to-text for GHZ Voice.
• OpenAI and OpenRouter (USA): text cleanup for GHZ Voice.
• Resend (USA): account and contact emails.
• Google (Ireland / USA): only if you choose Google sign-in.
• Vercel (USA): website hosting and cookie-less analytics.
• Cloudflare (USA): network protection and DNS.
• Contabo (Germany): the server that hosts our API and databases.

We do not sell personal data, do not use it for advertising, and do not make automated decisions with legal effects on you.

5. International transfers

We are based in the United Arab Emirates, our server is in Germany, and several providers are in the United States. When data of people in the European Economic Area, the United Kingdom or Switzerland leaves those regions, we rely on the safeguards the providers offer, such as the EU–US Data Privacy Framework or standard contractual clauses.

6. How long we keep it

• Account, sessions and licences: until you delete your account. Deleting it erases them from our database.
• Request logs: kept for security and fair use. When you delete your account, they are detached from it and no longer identify you.
• Payment records: kept by Stripe and in our accounting for as long as tax law requires.
• Studio messages: kept in our inbox for as long as the conversation or project needs them. Ask us to delete them at any time.
• GHZ Voice audio and text: not kept after the request. AI providers may retain inputs briefly under their own policies.

7. Your rights

Depending on where you live (including under the GDPR, the UK GDPR and the UAE data protection law), you can ask to access, correct, delete or export your data, to restrict or object to some processing, and to withdraw consent. You can delete your account yourself from the account page. For anything else, write to ilyess@ghzcreative.ai; we answer within 30 days. You can also complain to the data protection authority of your country.

8. Security

Passwords and session tokens are hashed, connections are encrypted, the server has no open SSH or web port to the internet, and backups are encrypted. If you find a security issue, please tell us at ilyess@ghzcreative.ai before disclosing it.

9. Children

The services are not intended for people under 18, and we do not knowingly collect their data.

10. Changes

We update this policy when our practices change. The date at the top shows the current version; material changes are announced to account holders by email.

1. GHZ Creative Suite: 14 days to change your mind

You can get a full refund within 14 days of buying a licence, whatever the reason, as long as you have not made heavy use of the paid features (as a guide: more than 100 GHZ Voice transcriptions, or using GHZ Code daily over several days). The licence is deactivated when the refund is issued.

After 14 days, licences are not refundable, except in the cases in section 3.

2. Former monthly plans

If you are still on GHZ Plus or GHZ Pro, you can cancel at any time from your account page. Access stays active until the end of the period already paid, and nothing more is charged. Months already started are not refunded pro rata, unless the law of your country requires it.

3. When we refund outside these windows

• you were charged twice, or charged by mistake;
• a long outage on our side stopped you from using what you paid for;
• we stop an app for good without offering an equivalent replacement.

4. How to ask

Email ilyess@ghzcreative.ai from the address of your account, with the date of the payment and, if you have it, the Stripe receipt number. We confirm within two working days and issue approved refunds within seven, to the original payment method. Your bank may take a few more days.

5. Before a chargeback

Please write to us first: most issues are solved in one email. A chargeback without contacting us may lead to the account being suspended while it is resolved.

6. Your statutory rights

This policy does not reduce any consumer right you have under the law of your country. If that law gives you more, it applies.

1. Do not use the services to

• break the law, or someone else’s rights (copyright, privacy, contracts);
• create or process content that sexually exploits or harms children;
• threaten, harass or incite hatred against a person or a group;
• build or spread malware, or break into systems or data;
• overload, attack or probe our services or our providers;
• scrape the services or get around rate limits, licence checks or paid features;
• resell or share your account or licence;
• pretend to be someone else, or to be linked with GHZ Creative when you are not.

2. AI features

GHZ Voice sends your audio and text to Groq, OpenAI and OpenRouter. Their usage policies also apply. Do not rely on AI output alone for medical, legal, financial or safety decisions.

3. Fair use

Paid features have generous per-minute and daily limits that stop automated abuse, not normal use. Someone dictating all day will not reach them. We may adjust them to protect the service.

4. Security research

Found a vulnerability? Tell us at ilyess@ghzcreative.ai before sharing it. Do not access other people’s data, do not run denial-of-service tests, and stop at the minimum needed to show the issue. We answer every report.

5. What happens if the rules are broken

We may limit, suspend or close the account involved, and report illegal activity to the authorities. We act in proportion, and we give you a chance to fix honest mistakes first.

6. Reporting abuse

Write to ilyess@ghzcreative.ai with as many details as you can.

1. What we store in your browser

All of these are strictly necessary. If you only browse the site, it stores nothing in your browser.

2. Audience measurement

Vercel Web Analytics counts page views without cookies, without an identifier and without following you to other sites. We only see aggregate numbers.

3. Third parties

Two services set their own cookies on their own domains, only when you use them: Google, if you click “Continue with Google”, and Stripe, on its checkout and billing pages. Their policies apply to those cookies.

4. Your control

You can delete cookies and site data from your browser at any time. The site keeps working, but you will be signed out.

5. Questions

ilyess@ghzcreative.ai