Terms of Service

What Buygent is (and is not)

Buygent connects an AI agent you control to a spending account you set the boundaries for. You give your agent one persistent test card - you reveal it through Stripe's hosted display and store it in the agent yourself - and your agent checks out at the merchant. Buygent never executes the purchase: its authorizer is open by default within prepaid balance, your transaction cap, duplicate protection, and enabled hard blocks. Declarations are evidence; Strict mode makes an exact matching declaration a gate. Every declaration and outcome is kept as an evidence trail of what was expected and what actually happened.

During this test release, checkout executes only at the Buygent Demo Merchant, a small demonstration store that is part of the sandbox. Buygent does not claim that purchases at arbitrary other merchants work.

The prepaid balance shown in the app is a sandbox accounting mirror of your test activity. It is not stored value, not a deposit, and not a bank account.

Your account

You sign in with Google or GitHub through our identity provider, Clerk. One person, one account. You are responsible for activity carried out under your account and your API keys, and you agree to provide an accurate name and US shipping address for demonstration deliveries.

You set the boundaries; your agent works inside them

Spending controls belong to you, the human account holder:

• Hold period: on by default for 30 minutes. You can choose 10 minutes, 30 minutes, 60 minutes or 24 hours, or switch the hold off entirely. Switching the hold off only removes the review countdown before the approval reminder - it never lets an out-of-rule purchase pay without your explicit approval, and it is a deliberate human choice made in your settings that your agent can never make.
• Per-transaction limit: $100 by default and never above $100. A purchase that exceeds your current limit is declined before any charge.
• Standing rules: you choose the exact merchants, product categories, maximum amounts (never above the per-transaction limit) and quantities your agent may buy without asking. A declaration that matches a rule can be paid immediately; everything else requires your explicit approval in the app. No timer, hold or agent instruction ever approves a purchase for you.

Your agent connects through a per-account API key using the Model Context Protocol (MCP) or the Buygent CLI. You hand the card to the agent yourself: the full number appears only inside Stripe's hosted reveal, which you copy using the agent's own secure facilities, and afterwards the app shows only brand and last four digits, to you. Buygent's servers never receive or store the full card number, and never ask for or store passwords for any merchant.

Only you can change hold and limit settings, from the dashboard. Your agent cannot change them through any tool.

You can cancel any purchase while it is waiting for your approval or inside its short payment-ready window; nothing further can be charged. Once the network authorization has been consumed, the app reports that cancellation is no longer possible; it always shows the true state of the purchase.

Subscriptions, trial and billing

Buygent offers two annual plans in US dollars: Basic at $119.99 per year and Plus at $239.99 per year. There is no monthly plan. Each subscription starts with a 14-day free trial that requires a card on file (a test card). If you cancel before the trial ends, the annual price is never charged. If you do not, the annual price is charged and the subscription then renews automatically every year until you cancel. The details are in the auto-renewal disclosure.

Before you pay anything, the material terms - the price, the trial length, the automatic renewal and how to cancel - are displayed next to an unticked consent box. Nothing is charged until you actively tick the box and confirm, and Buygent stores which version of the terms you consented to.

You can upgrade from Basic to Plus at any time. An upgrade is charged as a one-time prorated difference, does not start a new trial and does not change your renewal date, and takes effect only once the prorated payment succeeds. Cancellations and refunds follow the refund policy.

Reporting a problem: the Fix service

If a purchase goes wrong - wrong item, wrong amount, a duplicate, or something that never arrived - you or your agent can report it from the activity record.

Buygent's first action on a newly reported issue is due within 48 business hours. "48 business hours" means two business days measured in local time in the America/New_York timezone, excluding Saturdays, Sundays and US federal holidays. An issue received outside the 09:00-17:00 local working shift is treated as received at 09:00 on the next business day, and the countdown starts from that opening time.

What we do depends on your plan. Basic includes, for every eligible completed purchase, a refund request to the merchant and a visible evidence record, plus the option to pay a one-time $50 fee to escalate a single case. Plus additionally includes preparing and submitting a card-network dispute for eligible purchases recorded after your upgrade takes effect, and tracked escalation of a complaint to an external body such as the BBB or a state attorney general. A complaint record shows its destination, submission time, reference number and status.

These are the actions Buygent takes. The merchant, the card network and any external complaint process decide their own outcomes; Buygent does not promise any particular result of a refund request, dispute or complaint. No external message is ever sent without a human operator acting on your recorded consent.

The $50 escalation fee is charged once per case, covers every stage of that case (a dispute and a complaint on the same case count once), and is separate from your subscription.

Limited mis-approval review (draft - pending counsel review): when Buygent approves a mismatch or undeclared charge, it flags the charge and starts Fix. You can request a review under our limited mis-approval policy. In this test release the policy can only ever record a TEST-MODE simulated recovery, capped at the lower of your declared maximum and $100 per case and at $500 per user per authorization year (UTC); no real money is paid out. Problems caused by the merchant - a wrong item, a non-delivery - are covered by the Fix actions above, not by this policy.

Email notifications

We send transactional email about your account from updates@mail.buygent.io: a pending-hold notice with a safe cancel link whenever a purchase waits for your review, a ready notice when an approved purchase enters its short payment window, a notice when a payment attempt is declined (approving a retry is always a separate, deliberate action in the app), a notice when a payment is blocked, a completion notice when a purchase is paid, updates when an issue changes status, trial and renewal reminders, and a confirmation for every cancellation. Opening any link shows a confirmation page; viewing a link or an email preview never approves or cancels anything on its own.

Acceptable use

• Do not attempt to move real money through the sandbox or to obtain live card issuing.
• Do not probe for card numbers, other users' data or hidden interfaces.
• Keep your API keys secret, and revoke any key you no longer trust from the dashboard.
• Do not resell access or overload the service; automated abuse is rate-limited and blocked.

Changes and availability

Buygent is a test release. Features may change and the service may be unavailable from time to time. If we change these terms we publish the updated version with a new last-updated date; changes to billing terms you already accepted take effect only with your renewed consent.

Contact

Questions about these terms go to support@buygent.io. Related pages: Privacy Policy, Refund Policy, Auto-Renewal Disclosure, Limited Mis-Approval Policy.