Terms of Service

1. Acceptance of Terms

By accessing or using Talking Paper ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you do not have permission to access the Service.

You must be at least 13 years old to use our Service. By using the Service, you represent and warrant that you are at least 13 years of age.

2. Description of Service

Talking Paper is an AI-powered journaling application that helps users:

• Create and maintain digital journal entries
• Receive AI-generated insights and memory extraction
• Track mood and emotional patterns
• Engage in AI-powered conversations about their entries

We reserve the right to modify, suspend, or discontinue any part of the Service at any time with reasonable notice.

3. User Accounts

Account Creation

To use certain features, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information
• Keep your password secure and confidential
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use

Account Security

You are responsible for safeguarding your account. We are not liable for any loss or damage from your failure to protect your account information.

4. User Content

Your Rights

You retain all rights to the content you create in your journal ("User Content"). By using the Service, you grant us a limited license to:

• Store and backup your content
• Process your content through our AI systems
• Display your content back to you
• Generate insights and memories based on your content

Content Standards

You agree not to create or upload content that:

• Is illegal, harmful, or offensive
• Infringes on intellectual property rights
• Contains malware or harmful code
• Impersonates others or is fraudulent
• Violates the privacy of others

5. Prohibited Uses

You may not use the Service to:

• Violate any laws or regulations
• Harm minors in any way
• Send spam or unauthorized advertising
• Attempt to gain unauthorized access to any systems
• Interfere with or disrupt the Service
• Engage in any form of automated data collection
• Create multiple accounts for abusive purposes
• Resell or commercially exploit the Service

6. Intellectual Property

Our Property

The Service, including its design, features, and content (excluding User Content), is owned by Talking Paper, Inc. and is protected by copyright, trademark, and other intellectual property laws.

Feedback

Any feedback, suggestions, or ideas you provide about the Service may be used by us without any obligation to compensate you.

7. Payment and Subscriptions

Pricing

Some features require a paid subscription. By subscribing, you agree to pay the fees indicated for that service.

Billing

• Subscriptions are billed in advance on a monthly or annual basis
• Automatic renewal unless cancelled before the renewal date
• No refunds for partial subscription periods
• Price changes will be notified 30 days in advance

Refund Policy

We offer a 14-day money-back guarantee for new subscribers. After 14 days, all payments are non-refundable except where required by law.

8. Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

9. Termination

By You

You may terminate your account at any time through your account settings. Upon termination, your right to use the Service will immediately cease.

By Us

We may terminate or suspend your account immediately, without prior notice, if you breach these Terms or engage in any conduct we deem inappropriate.

Effect of Termination

Upon termination:

• Your access to the Service will be disabled
• You remain liable for any outstanding fees
• Provisions that should survive will remain in effect
• We may delete your data after 30 days

10. Disclaimers

Service Availability

The Service is provided "AS IS" and "AS AVAILABLE" without any warranties of any kind, either express or implied, including but not limited to:

• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or reliability of content
• Uninterrupted or error-free operation

11. Limitation of Liability

To the maximum extent permitted by law, Talking Paper, Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, data, or use
• Service interruptions
• Computer damage or system failure
• Cost of substitute services

Our total liability shall not exceed the amount paid by you, if any, for accessing the Service in the six months prior to the claim.

12. Indemnification

You agree to indemnify and hold harmless Talking Paper, Inc., its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Your User Content

13. General Terms

Governing Law

These Terms are governed by the laws of [Your State/Country], without regard to conflict of law principles.

Dispute Resolution

Any disputes arising from these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be notified via email or prominent notice on the Service. Continued use after changes constitutes acceptance.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us, constitute the entire agreement between you and Talking Paper, Inc.

Contact Information

For questions about these Terms, please contact us at:

Email: legal@talkingpaper.ai
Address: Talking Paper, Inc.
[Address]