Terms of Service

Last updated: October 18, 2026

These terms apply when you use NGM Hub, our software platform (the “service”). The service is provided by NGEM Corp (“NGM”, “we”), 3755 Florence St, San Diego, CA 92113, USA, an affiliate of Next Generation Management S de RL de CV (Mexico), which operates this website. By creating an account or using the service, you accept these terms.

If you are using NGM Hub on behalf of a company, you accept these terms for that company, and you confirm that you are allowed to do so. In that case “you” means the company.

1. Your account

• An account can belong to an organization (a company account) or to an individual.
• The person who signs up is the account Owner. The Owner is responsible for the users they invite, for what those users do in the account, and for keeping passwords and other credentials safe.
• Signing up requires verifying your email address. You must give us accurate information and keep it up to date.
• Tell us right away at admin@ngmanagements.com if you think someone has accessed your account without permission.

2. Subscriptions and billing

• What you pay for. Modules are priced per month. A module offered to both organizations and individuals costs the same for both; some modules are available to organizations only. Organizations get a larger discount when they bundle modules. Storage is sold in tiers. Digital Workers (our AI agents) and Agent Voice are sold as fixed monthly tiers: Starter (free), Pro and Business. Current prices are on our pricing page.
• Free trial. New subscriptions start with a 90-day free trial. Nothing is charged during the trial. A payment card is required at sign-up. If you do not cancel before the trial ends, your subscription starts and you are charged.
• Payments. Payments are processed by Stripe. We never see or store your full card number.
• Billing period. You can pay monthly or annually, always in advance. Annual billing gives you 3 months free on modules and storage; Digital Worker and Agent Voice tiers are billed at their monthly price for 12 months.
• Renewal and cancellation. Plans renew automatically at the end of each period until you cancel. A cancellation takes effect at the end of the period you already paid for, and you keep access until then. We do not refund partial periods, except where the law requires it.
• Plan changes. To change your plan, write to us at admin@ngmanagements.com.
• Discount and promo codes apply as stated when they are issued. We may withdraw a code for future billing periods.
• Taxes. Prices do not include taxes. You are responsible for any taxes that apply to your purchase.
• Failed payments. If a payment fails, Stripe retries it. If it still cannot be collected, we may suspend access to the service or cancel the subscription.

3. Plan limits

We do not charge overage fees. Each tier includes a set amount of documents the agents can read, live voice minutes, read-aloud characters and storage.

• We notify you when you reach 80% of a limit.
• Documents have a 20% grace above the limit.
• Live voice minutes have no grace. At the limit, live voice sessions pause and read-aloud switches to your browser's standard voice.
• Beyond that, only the limited action pauses (for example, reading new documents or starting a live voice session) until the next month or until your plan changes. Everything else keeps working.

Features described as unlimited are subject to fair use. We may limit automated or abusive use that affects the service or other customers.

4. Your data

• You own your data. “Customer Data” is everything you and your users put into the service. We host and process it only to provide the service to you.
• Isolation. Each organization's data is kept separate from every other organization's.
• Export. You can export records from the modules that offer it, and you can ask us for a full export of your organization's data at admin@ngmanagements.com.
• After your account ends, you can ask us for an export for 30 days. After that we delete your data from our active systems; copies in backups are deleted as those backups expire. The only exception is records the law requires us to keep.
• How we handle personal information is described in our Privacy Policy.

5. AI features

• Our agents (Art, Andrew, Daneel, Hari and Bogert) and voice features use third-party AI models. AI output can be wrong. Review important results before you rely on them.
• Daneel can approve routine expenses automatically, but only if you turn it on and only within the rules you configure. You remain responsible for your financial decisions.
• Nothing in the service is legal, tax, accounting, engineering or architectural advice.
• Features marked as early access (for example, live voice) are provided as-is and may change or be removed.

6. Third-party services

You may connect the service to third-party services such as Stripe, Plaid, QuickBooks, Google, Telegram, Twilio, ElevenLabs, OpenAI, Cloudflare and Render. Those services have their own terms, which apply to your use of them, and we are not responsible for them. Bank connections through Plaid work as described in section 9 of our Privacy Policy.

7. Acceptable use

You agree not to, and not to let your users:

• Upload or share illegal content, or use the service for anything illegal.
• Try to access another organization's data or any part of the service you are not authorized to use.
• Reverse engineer, scrape, or overload the service, or interfere with its security.
• Resell or sublicense the service without a written agreement with us.
• Send spam or unsolicited messages through the platform.

We may suspend access that breaks these rules or puts the service or other customers at risk.

8. Our intellectual property

The service, including its software, design and content, belongs to us. During your subscription we give you a non-exclusive, non-transferable right to use it under these terms. If you send us feedback or ideas, we may use them freely, without any obligation to you.

9. Availability

We aim for high availability, but we do not offer a service-level agreement (SLA) unless we agree to one with you in writing. The service may be briefly unavailable during maintenance.

10. Disclaimer of warranties

To the extent the law allows, the service is provided “as is” and “as available”, without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose and non-infringement. We do not promise that the service will be error-free or uninterrupted.

11. Limitation of liability

To the extent the law allows:

• Our total liability for any claim related to the service is limited to the fees you paid us in the 12 months before the claim.
• We are not liable for indirect, incidental, special or consequential damages, such as lost profits, lost revenue or lost data.

Some places do not allow these limits; where that is the case, they apply only as far as the law permits.

12. Indemnification

You will defend and compensate us for claims from third parties that arise from your Customer Data or from your or your users' misuse of the service or breach of these terms. We will do the same for claims that the service, as we provide it, infringes a third party's intellectual property rights.

13. Changes to these terms

We may update these terms. We will notify you of material changes at least 30 days before they apply, by email or in the app. The current version will always be on this page with its “Last updated” date. If you keep using the service after a change applies, you accept the updated terms.

14. Governing law

These terms are governed by the laws of the State of California, USA. Any dispute will be handled by the state or federal courts located in San Diego County, California. If you are a consumer, you keep any rights that the law of your place of residence does not allow to be waived.

Contact

If you have questions about these Terms of Service, write to us at admin@ngmanagements.com.