TERMS AND CONDITIONS

1. THE AGREEMENT

These Terms form a legally binding agreement between you and creafico. By using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you are using the Services on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

2. ELIGIBILITY & ACCOUNTS

In Short: You must be at least 13 years old and are responsible for your account security.

• Age requirement: You must be at least 13 years of age (or the minimum legal age in your country) to use the Services.
• Account responsibility: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. Notify us immediately of any unauthorized use.
• Accuracy: You agree to provide accurate, current, and complete information during registration and to update it as necessary.

3. INTELLECTUAL PROPERTY RIGHTS

In Short: We own the app and its content; we give you a limited license to use it.

Our Content: We are the owner or licensee of all intellectual property rights in the Services, including source code, databases, functionality, software, app designs, audio, video, text, graphics, and logos (the "Content"). These rights are protected by copyright, trademark, and other laws.

Your License: We grant you a non-exclusive, non-transferable, revocable, limited license to access the Services solely for your internal business or personal content creation purposes, in compliance with these Terms. You may not copy, modify, or distribute any part of the Services without our prior written consent.

5. SUBSCRIPTIONS AND PAYMENTS

In Short: Payments are handled by Apple/Google; subscriptions auto-renew unless canceled.

• In‑App Purchases: All billing is processed via the Apple App Store or Google Play Store. You agree to comply with their respective terms of service.
• Auto‑renewal: Subscriptions automatically renew unless you cancel at least 24 hours before the end of the current period. You can manage or cancel subscriptions in your app store account settings.
• Refunds: Refund requests must be directed to the respective app store provider. We have no control over refund policies of Apple or Google.

6. PROHIBITED ACTIVITIES

You may not access or use the Services for any purpose other than their intended functionality. Prohibited activities include:

• Circumventing, disabling, or interfering with security‑related features of the Services.
• Using any automated system (e.g., robots, spiders, scrapers) to access or collect data from the Services beyond normal app functionality.
• Using the Services to harass, abuse, defame, threaten, or harm any other person or creator.
• Reverse engineering, decompiling, or attempting to extract the source code of the app.
• Using the Services for any illegal activity or to violate any applicable laws.

7. TERMINATION

We reserve the right to suspend or terminate your access to the Services, without prior notice or liability, for any reason, including but not limited to a breach of these Terms.

Upon termination, your right to use the Services will immediately cease. You may also terminate these Terms by deleting your account and uninstalling the app. Sections that by their nature should survive termination (including IP, liability, indemnification, and dispute resolution) will remain in effect.

9. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL CREFICO OR ITS AFFILIATES, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICES.

AI Output Specific: We specifically disclaim any liability for claims arising from content ideas generated by our AI, your use or modification of such ideas, any similarity to existing copyrighted works, or any outcomes (including lack of virality or demonetization) resulting from your creative decisions based on AI suggestions. You assume full responsibility for your creative choices and their consequences.

Our total aggregate liability for all claims arising under these Terms shall not exceed the amount you paid us (if any) during the twelve (12) months preceding the event giving rise to the claim.

10. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless creafico and its officers, directors, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Services, including any AI-generated content you use; (b) your violation of these Terms; (c) your violation of any third‑party rights, including intellectual property rights; or (d) any content you create or publish using the Services.

11. DISPUTE RESOLUTION

Informal Resolution: Before filing a formal claim, you agree to try to resolve any dispute by contacting us at info@creafico.com. We will attempt to resolve the dispute informally within 30 days.

Binding Arbitration (optional – adjust per your preference): If the dispute cannot be resolved informally, you agree that any claim arising from these Terms or your use of the Services shall be resolved by binding individual arbitration, not in court, and you waive the right to participate in a class action. (If you prefer court only, remove this clause. This is a common approach for app terms.)

12. GOVERNING LAW

These Terms shall be governed by and construed in accordance with the laws of Delaware, United States (or your actual jurisdiction), without regard to its conflict of laws principles. You irrevocably consent to the exclusive jurisdiction of the courts located in Delaware for any disputes not subject to arbitration.