Terms of Service | CurioChat.ai

1. Acceptance of Terms ¶

By accessing or using the CurioChat.ai website and purchasing services or digital content ("Products"), you agree to be bound by these Terms & Conditions ("Terms"), our Privacy Policy, Cookie Policy, and Disclaimer. If you disagree with these Terms, please refrain from using our site or purchasing our Products.

2. Definitions ¶

Products: Includes all digital courses, programs, and related services offered through CurioChat.ai.
User / You: Any individual or entity using our Products or services.
Account: User login credentials and related profile information.
Content: All text, videos, images, audio, templates, branding, and intellectual property provided through our Products.

3. Eligibility ¶

By using our site or purchasing Products, you affirm you are at least 18 years old (or possess legal capacity). If accessing our Products on behalf of an organization, you warrant you have authority to legally bind that entity to these Terms.

4. Products & No-Refund Policy ¶

All sales of our Products and associated digital materials are final. Refunds are not provided, except in cases of verified duplicate charges or technical errors solely at our discretion.

5. Payment & Access ¶

Accepted payment methods: Visa, Mastercard, PayPal, as listed at checkout.
Payments are securely processed through encrypted third-party gateways.
Product access begins immediately upon successful payment.
Subscriptions (where applicable) automatically renew at the selected billing interval unless canceled 48 hours before renewal. Renewal reminders are sent seven days in advance via email.
Upon cancellation, access continues through the current paid period; no prorated refunds.

6. Intellectual Property ¶

All Content is protected by copyright, trademark, and intellectual property laws. We grant you a personal, non-commercial, revocable, non-exclusive, non-transferable license for individual use only. Unauthorized copying, distribution, or commercial exploitation is strictly prohibited.

7. Limited License ¶

Your use of our Products is strictly governed by the license described above and conditioned on compliance with these Terms.

8. Account Registration & Security ¶

You must provide accurate and current account information. You are responsible for safeguarding login credentials and all activities conducted under your account. Notify us promptly of unauthorized use.

9. User Conduct ¶

You agree not to:

Post harmful, abusive, offensive, defamatory, discriminatory, or misleading content.
Share account credentials or permit unauthorized access.
Engage in spamming, unsolicited promotions, or inappropriate solicitation.
Interfere with site functionality (e.g., hacking, automated bots).

10. Third-Party Links ¶

Our website may link to third-party resources. We do not endorse or control their content, practices, or privacy policies. Access these links at your discretion and risk.

11. Testimonials & Results Disclaimer ¶

Individual testimonials, examples, or success stories reflect personal experiences and do not guarantee similar outcomes. Please consult our full Disclaimer for more details.

12. Disclaimers & Limitation of Liability ¶

Our Products are strictly educational and informational. They do not substitute for professional advice.
We expressly disclaim guarantees regarding specific outcomes or successes.
Content is provided "as is," without warranty of any kind.
CurioChat.ai is not liable for indirect, incidental, consequential, or punitive damages.
Our maximum liability is limited to the amount you paid for the specific Product involved. See our complete Disclaimer for further details.

13. Indemnification ¶

You agree to indemnify and hold CurioChat.ai, its directors, employees, and affiliates harmless from any claims or damages resulting from your violation of these Terms, your use of our Products, or infringement of intellectual property rights.

14. Privacy & Data Protection ¶

All personal data collected is managed according to our Privacy Policy, which you consent to by using our Products.

15. Affiliate & Referral Program ¶

Affiliate commissions, when available, are paid net-45 (45 days after sale). Payments are issued via methods specified in the Affiliate Terms to qualifying accounts only.

16. Changes to Terms ¶

We reserve the right to update these Terms periodically. Significant changes will be announced via email or on your dashboard at least seven days before they take effect. Your continued use indicates acceptance.

17. Governing Law & Dispute Resolution ¶

These Terms are governed by Ontario law. Disputes will undergo mediation first in Ontario. Unresolved matters proceed to binding arbitration under Ontario's Arbitration Act, exclusively in Ontario courts.

18. International Use ¶

If you access our Products from outside Canada, you are responsible for complying with local laws applicable to your use and access.

19. Force Majeure ¶

CurioChat.ai is not liable for delayed or failed delivery of Products due to circumstances beyond our reasonable control, such as natural disasters, governmental action, pandemics, or infrastructure disruptions.

20. Termination ¶

We reserve the right to terminate or suspend your access without prior notice for breach of these Terms, abusive behavior, or misuse of our Products. Post-termination, you must cease Product usage immediately.

21. Severability & Waiver ¶

Invalid provisions do not invalidate the remainder of these Terms. Any waiver must be written and signed by authorized personnel.

22. Entire Agreement ¶

These Terms, alongside our Privacy Policy, Cookie Policy, Affiliate Terms (if applicable), and our Disclaimer constitute the entire agreement, superseding previous agreements.

23. Contact Us ¶

For any queries about these Terms, email support@curiochat.com.