Terms of Service for TalkAgent

Effective date: May 8, 2026

Last updated: May 8, 2026

These Terms of Service (“Terms”) govern your access to and use of TalkAgent (the “App”), related websites, cloud AI features, speech features, support channels, paid credits, passes, subscriptions, and other services provided through the App.

Developer / Operator: TalkAgent

Support contact: lovecrdm@gmail.com

By downloading, accessing, or using the App, you agree to these Terms. If you do not agree, do not use the App.

1. The service

TalkAgent is an AI-assisted conversation, language practice, translation, speech, and productivity app. The App may include text chat, direct talk, roleplay, translation, phrase assistance, sentence generation, speech-to-text, text-to-speech, AI-generated suggestions, credit-based usage, passes, subscriptions, and related support features.

Some features may be local to your device. Other features require cloud processing, backend authentication, AI providers, speech providers, app stores, payment providers, or other third-party services.

2. Eligibility

You must be at least 14 years old to use the App. If applicable law requires a higher age or parental consent, you must satisfy that requirement. By using the App, you represent that you are legally able to agree to these Terms.

3. Accounts, sessions, and security

The App may create or use an anonymous or signed-in session to provide cloud AI, usage tracking, credit balance, billing, security, and support features. You are responsible for your device, account credentials, and activity through your session. Do not share authentication credentials or try to access another user’s account, credits, usage history, or data.

We may suspend or terminate access if we reasonably believe there is fraud, abuse, security risk, violation of these Terms, legal risk, or harm to the service or other users.

4. User content

“User Content” means text, audio, speech, transcripts, prompts, conversation history, goals, tone settings, feedback, files, or other materials that you provide or generate through the App.

You keep ownership of your User Content. You grant us a limited, worldwide, non-exclusive, royalty-free license to process, transmit, store, display, reproduce, and use your User Content only as reasonably necessary to:

• provide App features you request;
• generate AI, translation, speech-to-text, or text-to-speech output;
• maintain session continuity and local history if you enable it;
• operate credits, billing, security, diagnostics, and support;
• comply with law and enforce these Terms.

You are responsible for your User Content and for ensuring that you have the rights and permissions needed to submit it. Do not submit confidential, sensitive, regulated, or third-party content unless you have the right to do so and understand the risks of cloud and AI processing.

5. AI-generated output

The App may generate text, translations, explanations, practice responses, suggestions, transcripts, or speech output using AI or speech systems. AI-generated output may be inaccurate, incomplete, offensive, unsafe, outdated, or unsuitable for your purpose.

You are responsible for reviewing and verifying output before relying on it. The App does not provide legal, medical, financial, tax, immigration, mental-health, emergency, or other professional advice. Do not rely on the App as a substitute for qualified professional judgment or emergency services.

6. Voice and recording features

Voice features may require microphone access and may process audio, speech, transcripts, and generated speech. You must comply with applicable laws regarding recording, consent, privacy, and communications. Do not record or submit another person’s voice unless you have any consent required by law.

7. Paid credits, passes, and subscriptions

The App may offer credits, point packs, time-limited passes, subscriptions, or other paid features. Credits or points may be reserved, charged, completed, or refunded based on usage. Prices, included credits, subscription benefits, and availability may change over time.

Unless otherwise required by law or app-store policy:

• credits and passes are for use within the App only;
• credits have no cash value and are not transferable;
• unused credits may expire if tied to a time-limited pass, subscription cycle, promotional grant, or other stated condition;
• we may correct balances affected by technical errors, fraud, failed payments, chargebacks, refunds, or abuse;
• paid access may be disabled, suspended, or adjusted if payment verification fails.

Purchases, subscriptions, renewals, cancellations, restores, chargebacks, and refunds may be handled by the relevant app store or payment provider. Their terms and policies may apply in addition to these Terms.

8. Refunds and billing disputes

Refund availability depends on the payment provider, app store, applicable law, and the specific product purchased. If you purchased through Google Play, the Apple App Store, or another third-party store, refund requests may need to be submitted through that store. If you contact us about a billing issue, we may ask for information needed to locate and verify the transaction.

We may revoke, reduce, or adjust credits or access connected to refunded, reversed, fraudulent, or disputed transactions.

9. Acceptable use

You agree not to use the App to:

• violate any law, regulation, third-party right, or app-store rule;
• infringe intellectual property, privacy, publicity, or contractual rights;
• submit illegal, harmful, abusive, hateful, harassing, exploitative, sexually explicit, violent, or deceptive content;
• generate malware, phishing, spam, scams, credential theft, evasion, or abusive automation;
• attempt to bypass security, billing, credit accounting, rate limits, or access controls;
• reverse engineer, scrape, overload, disrupt, or interfere with the App or backend systems;
• impersonate others or misrepresent your identity, affiliation, or authority;
• use the App for emergency communications, high-risk decisions, or regulated professional advice without qualified human review.

We may remove content, restrict features, suspend access, or terminate accounts if we believe these rules are violated.

10. Third-party services

The App may depend on third-party services, including cloud backend providers, AI model providers, speech providers, app stores, payment providers, analytics, diagnostics, and support tools. We do not control all third-party services and are not responsible for their independent actions, outages, terms, policies, or content. Your use of third-party services may be subject to additional terms.

11. Intellectual property

The App, software, interfaces, design, trademarks, logos, documentation, and service content are owned by the developer/operator or its licensors and are protected by intellectual property laws. These Terms do not transfer ownership of the App or any intellectual property rights to you.

You may use the App only as permitted by these Terms and applicable app-store rules. You may not copy, modify, distribute, sell, lease, sublicense, or create derivative works from the App except where expressly allowed by law.

12. Privacy

Our Privacy Policy explains how we collect, use, share, and protect information. By using the App, you agree to the handling of information described in the Privacy Policy.

13. Service changes and availability

We may modify, pause, restrict, or discontinue any part of the App at any time. Features may change, break, become unavailable, or depend on third-party provider availability. We do not guarantee uninterrupted, secure, or error-free operation.

We may release beta, experimental, or preview features. Such features may be unstable, incomplete, or changed without notice.

14. Disclaimers

The App is provided “as is” and “as available.” To the maximum extent permitted by law, we disclaim all warranties, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, security, and reliability.

We do not warrant that AI output will be accurate, safe, lawful, complete, or suitable for your needs.

15. Limitation of liability

To the maximum extent permitted by law, the developer/operator and its service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, business interruption, reputational harm, or cost of substitute services.

To the maximum extent permitted by law, our total liability for claims arising out of or relating to the App or these Terms will be limited to the greater of: (a) the amount you paid for the App or paid features during the three months before the event giving rise to the claim; or (b) USD 50.

Some jurisdictions do not allow certain limitations of liability, so some of these limits may not apply to you.

16. Indemnity

To the extent permitted by law, you agree to indemnify and hold harmless the developer/operator from claims, damages, losses, liabilities, and expenses arising out of or relating to your User Content, your use of the App, your violation of these Terms, or your violation of law or third-party rights.

17. Termination

You may stop using the App at any time. We may suspend or terminate your access to the App if we reasonably believe you violated these Terms, created risk or legal exposure, engaged in fraud or abuse, or if the service is discontinued.

Sections that by their nature should survive termination will survive, including sections on user content licenses, paid credits, refunds, acceptable use, intellectual property, disclaimers, limitation of liability, indemnity, governing law, and dispute resolution.

18. Governing law and disputes

These Terms are governed by the laws of the Republic of Korea, excluding conflict-of-law rules, unless mandatory consumer protection laws in your jurisdiction require otherwise.

Before filing a formal claim, you agree to contact us at lovecrdm@gmail.com and attempt to resolve the dispute informally. If the dispute cannot be resolved informally, disputes will be handled by the competent courts or dispute-resolution bodies as permitted by applicable law.

19. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will update the “Last updated” date and may provide notice through the App, website, app-store listing, or email where appropriate. Your continued use of the App after updated Terms become effective means you accept the updated Terms.

20. Contact

For support, billing questions, legal notices, or questions about these Terms, contact:

TalkAgent Support

Email: lovecrdm@gmail.com