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Terms of Service

Terms and Conditions of Service

Koily

Last Updated: April 23, 2026

Rizzard OÜ ("Rizzard", "we", "us", "our"), a private limited liability company registered in the Republic of Estonia (registry code: 17283924)), located at Narva mnt 5, 10117 Tallinn, Estonia, operates the Koily mobile application ("App") and the website at koily.app ("Website") (collectively, the "Service"). These Terms and Conditions of Service ("Terms") govern your access to and use of the Service.

By accessing or using any part of the Service, you represent that you have read, understood, and agree to be bound by these Terms, including any modifications posted in accordance with Section 28 (Updates). If you do not agree, you are not authorised to use the Service.

IMPORTANT NOTICES — PLEASE READ BEFORE USING THE SERVICE

(1) NOT A MEDICAL SERVICE. Koily is NOT a medical, health, therapy, treatment, diagnostic, or mental-health service. It is a wellness-entertainment and self-improvement app only. See Section 2.

(2) SAFETY AND CONTRAINDICATIONS. Hypnosis-style and deep-relaxation audio content is not suitable for everyone or every situation (e.g., while driving, for individuals with epilepsy or certain psychiatric conditions). See Section 3.

(3) AI-GENERATED CONTENT. Session content is produced by AI systems and may be inaccurate, incomplete, or unexpected. See Section 8.

(4) BINDING ARBITRATION AND LIABILITY LIMITS. These Terms include a mandatory individual-arbitration provision for disputes seeking monetary relief in certain circumstances (Section 23), and significant limitations on our liability (Section 16). These apply except where prohibited by mandatory consumer-protection law.

1. Description of the Service

Koily is a wellness-entertainment and self-improvement mobile application that delivers AI-generated audio visualisations, meditations, affirmations, and hypnosis-style sessions based on user-provided inputs. Some sessions are pre-generated and standardized. Other sessions – including personalised "future self" visualisations – are individually generated for each user using the goals, intentions, reflections, and preferences you provide.

The Service is intended as a productivity, self-improvement, relaxation, and entertainment tool only. It is NOT a medical, therapeutic, psychological, clinical, or healthcare service (see Section 2). Any language in the App, the Website, or marketing materials referring to concepts such as "rewiring," "self-doubt," "confidence," "focus," "calm," "stress," "identity," or "future self" is used in a non-clinical, motivational, and self-improvement sense only.

Rizzard may update, change, suspend, improve, or discontinue any aspect of the Service at any time, in its sole discretion, with or without notice, subject to applicable consumer-protection law.

2. NOT A MEDICAL, HEALTH, OR THERAPY SERVICE

This Section is fundamental to your use of the Service. Please read it in full.

2.1 What Koily IS NOT

Koily is NOT:

2.2 What Koily IS

Koily is a general wellness, productivity, self-improvement, and entertainment application that uses AI to generate audio visualisation and relaxation content. It is intended for general personal enrichment, relaxation, motivation, and exploration – not for any clinical, medical, or therapeutic purpose.

2.3 Your Acknowledgement and Agreement

By using the Service, you acknowledge and agree that:

2.4 Crisis and Emergency Situations

If you are experiencing a mental-health emergency, suicidal ideation, thoughts of self-harm, or any crisis, DO NOT use the Service. Contact emergency services in your country immediately (for example, 112 in the EU, 911 in the United States) or a crisis helpline such as Samaritans (116 123 in the UK and Ireland) or equivalent services in your country.

3. Safety and Suitability – Contraindications

Hypnosis-style, visualisation, meditation, and deep-relaxation audio content may not be appropriate for every person or every situation. You agree NOT to use the Service in the following circumstances:

3.1 General Safety Guidance

Listen to audio sessions in a safe, quiet, and comfortable environment where you are not required to remain alert. Stop the session immediately if you experience discomfort, distress, dizziness, nausea, or any adverse effect, and consult a qualified professional if symptoms persist. You are solely responsible for assessing your own suitability for the Service and for making informed choices about when and how to engage with session content.

4. Eligibility

To use the Service, you must:

Rizzard reserves the right to suspend or terminate any account that violates this Section or these Terms.

5. Registration

To use the App, you must create an account via Sign in with Apple. You agree to:

Rizzard reserves the right to suspend or terminate your account if you provide false information, violate these Terms, or for other reasons at Rizzard's reasonable discretion (subject to applicable law).

6. App Functionality and User Content

6.1 Personalisation Based on Your Inputs

The App asks you to provide inputs to personalise the content you receive — for example, your goals, desired future identity, challenges or focus areas, onboarding answers, preferences, journal entries, and reflections. These inputs are used to tailor the content generated for you, including your "future self" visualisations and guided audio sessions.

Because the Service is designed to deliver a personalised experience that evolves over time, your inputs are retained for the lifetime of your account unless you delete them or your account. See our Privacy Policy (available at koily.app/privacy) for full details on data collection, processing, retention, and your rights.

6.2 AI-Generated Session Content

Your inputs are processed by AI systems, which currently include Anthropic's Claude and Google's Gemini, to generate session text and scripts. Audio is primarily synthesised by Google's Gemini, with ElevenLabs used as a fallback provider. Some scripts and audio are individually generated per user based on your inputs; others are pre-generated templates shared across users. The mix of personalised and pre-generated content, and the specific AI providers we use and their respective roles, may change from time to time as we improve the Service.

Generated session content (scripts and audio) is stored in your account so you can replay, review, and continue sessions over time. Generated content is made available to you for personal, non-commercial use within the App.

6.3 User Content and Responsibility

You are solely responsible for the content you submit. You represent and warrant that the content you submit:

We may — but are not obligated to — review, refuse to process, or remove content that violates these Terms, our AI providers' usage policies, or applicable law.

7. Subscriptions and In-App Purchases

Access to Koily's features requires a paid subscription. Available subscription options and pricing are displayed in the App and may include:

Rizzard may introduce, modify, or discontinue subscription options from time to time. The terms of any specific offer will be disclosed at the point of sale.

7.1 Automatic Renewal

Subscriptions auto-renew through your Apple App Store account at the then-current price unless cancelled at least 24 hours before the end of the current billing period. To cancel or change your subscription, manage your subscriptions in your Apple ID account settings. Deleting the App or your Koily account does not automatically cancel your subscription.

7.2 Payment Processing

All payments are processed through the Apple App Store, with paywall and entitlement support from Superwall (which does not store payment card details). You agree to comply with Apple's Media Services Terms and Conditions and Apple's payment policies. Rizzard is not responsible for payment disputes, refunds, or other matters handled by Apple.

7.3 Fees and Taxes

You agree to pay all fees and applicable taxes associated with your subscription. Rizzard may revise pricing from time to time; changes apply to renewals occurring after the change is communicated. All payment information provided to Apple must be accurate and current. You are responsible for any charges incurred through your Apple ID or payment method.

7.4 Refunds

Refunds are subject to Apple's refund policies. Rizzard does not process refunds directly but will cooperate with Apple as appropriate to resolve issues. For EU users, see Section 19 regarding withdrawal rights. For UK users, your statutory rights under the Consumer Rights Act 2015 are not affected.

8. AI-Generated Content — Disclaimers

AI-generated content is non-deterministic and may be inaccurate, incomplete, inappropriate, or otherwise unexpected.

You understand and agree that:

9. Acceptable Use

You agree not to:

10. Privacy and Data Protection

Your use of the Service is subject to our Privacy Policy, available at koily.app/privacy and within the App, which is incorporated by reference into these Terms. The Privacy Policy describes the categories of personal data we collect, how we use and share it, the lawful bases for processing, your rights, and applicable safeguards for international transfers.

11. Third-Party Services

The Service integrates with third-party services. You acknowledge and agree that Rizzard is not responsible for the operation, availability, security, terms, or privacy practices of these services. Your use of them is subject to their respective terms and policies, which we encourage you to review. The current third-party services include:

12. License to the App

Subject to your compliance with these Terms, Rizzard grants you a limited, non-transferable, non-exclusive, non-sublicensable, revocable licence to download and use the App on a device you own or control, solely for your personal, non-commercial use. You may NOT:

12.1 Apple App Store Licensed Application End User License Agreement (Apple EULA)

The following terms apply in addition to the rest of these Terms if you downloaded the App from the Apple App Store (the "Apple-Specific Terms"):

13. Intellectual Property

All Service content (including designs, software, pre-generated audio, trademarks, logos, names, graphics, and compilations) is owned by Rizzard or its licensors and is protected by copyright, trademark, and other laws. You may not copy, distribute, publicly perform, create derivative works of, or otherwise exploit Service content except as expressly permitted by these Terms.

13.1 User Content Licence

Content you submit (including Personalisation Data, inputs, journal entries, and reflections) remains yours. You grant Rizzard a worldwide, non-exclusive, royalty-free, sublicensable (to our processors only) licence to use, process, store, transmit, and display your content solely as necessary to operate, provide, personalise, and improve the Service for you, including by transmitting it to AI processors (Anthropic, Google Gemini, ElevenLabs, and others as disclosed in the Privacy Policy). This licence ends when your content is deleted, subject to any lawful retention obligations.

13.2 AI-Generated Content

AI-generated content (scripts and audio) is made available to you for personal, non-commercial use within the App for the duration of your subscription and the lifetime of your account. You may not redistribute, publicly perform, resell, or claim authorship of AI-generated content. You acknowledge that substantially similar or identical AI-generated content may be delivered to other users, and Rizzard retains any rights it has in AI-generated content as between you and Rizzard.

14. Copyright Infringement

If you believe any content in the Service infringes your copyright, please notify us at info@koily.app. For claims subject to the U.S. Digital Millennium Copyright Act, your notice should include:

Counter-notices may be submitted in accordance with DMCA procedures.

15. No Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AVAILABILITY, UNINTERRUPTED OPERATION, SECURITY, OR ACCURACY. RIZZARD DOES NOT WARRANT THAT THE SERVICE, AI-GENERATED CONTENT, OR ANY PART OF THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS, OR THAT THEY WILL BE ERROR-FREE.

Where mandatory consumer-protection laws (for example, in the EU or UK) do not permit such exclusions, those exclusions do not apply and your non-waivable statutory rights are preserved.

16. Limitation of Liability

To the maximum extent permitted by law:

Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable law, including liability for gross negligence, wilful misconduct, fraud, or death or personal injury caused by our negligence. Your non-waivable statutory consumer rights (including those under EU and UK law) are preserved.

17. Indemnification

To the maximum extent permitted by law, you agree to indemnify, defend, and hold harmless Rizzard and its officers, directors, employees, affiliates, agents, and licensors from and against any claims, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any third-party right (including intellectual property and privacy rights); or (d) content you submit. This indemnity does not apply to matters for which Rizzard is liable under mandatory law, and it does not affect your non-waivable consumer rights.

18. Termination

Rizzard may terminate or suspend your access to the Service at any time, with or without notice, for any reason, including violation of these Terms (subject to applicable consumer law). You may terminate your account at any time via App Settings or by contacting info@koily.app. Sections 2, 3, 8, 10, 13, 14, 15, 16, 17, and 21–28 survive termination.

19. EU and UK Consumer Protections

19.1 EU Right of Withdrawal

Under Directive 2011/83/EU (the Consumer Rights Directive), consumers in the EU generally have a 14-day right to withdraw from distance contracts for digital content. By accepting these Terms and requesting immediate access to the Service upon purchase, you expressly consent to the Service being provided before the end of the withdrawal period and acknowledge that you thereby LOSE your right of withdrawal once performance has begun, in accordance with Article 16(m) of the Directive.

19.2 UK Consumer Rights

Consumers in the United Kingdom have equivalent rights under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. By requesting immediate access to the Service, you acknowledge that you thereby lose the right of withdrawal with respect to digital content, subject to those Regulations. Your rights under the Consumer Rights Act 2015 are not affected.

19.3 Germany – Consumer Arbitration (VSBG)

Rizzard OÜ is neither required nor willing to participate in dispute resolution proceedings before a consumer arbitration body within the meaning of the German Consumer Dispute Resolution Act (Verbraucherstreitbeilegungsgesetz, VSBG).

20. California Residents

Pursuant to California Civil Code § 1789.3, California residents may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210. California residents' privacy rights under the CCPA (as amended by the CPRA) are described in our Privacy Policy. Rizzard does not sell personal information as defined by the CCPA.

21. Governing Law

These Terms are governed by the laws of Estonia, excluding its conflict-of-law provisions, regardless of your location. For consumers resident in the EU or UK, mandatory consumer-protection laws in your country of residence apply to the extent they provide stronger protection than Estonian law.

22. Jurisdiction

Subject to Sections 21 and 23, disputes arising out of or related to these Terms will be resolved exclusively in the courts of Tallinn, Estonia, and both parties submit to the jurisdiction of those courts. Consumers resident in the EU or UK retain the right to bring proceedings in the courts of their country of habitual residence where mandatory law so provides.

23. Dispute Resolution and Arbitration

For disputes seeking monetary relief, you and Rizzard agree to resolve claims through binding individual arbitration, except as provided below. THIS SECTION DOES NOT APPLY TO THE EXTENT PROHIBITED BY MANDATORY CONSUMER LAW APPLICABLE TO YOU.

24. Language

These Terms were written in English. Any translation is provided for convenience only; if any translated version conflicts with the English version, the English version controls, except where mandatory consumer-protection law in your jurisdiction requires otherwise.

25. International Use

The App is offered globally via the Apple App Store. By using the App, you agree to comply with all applicable local laws, including those relating to data protection (e.g., GDPR, UK GDPR, CCPA), consumer rights, and export controls. Rizzard makes no representation that the App is appropriate or available for use in all jurisdictions. You access the App at your own risk in jurisdictions where its use may be restricted.

26. Miscellaneous

27. Acknowledgement

BY CREATING AN ACCOUNT OR OTHERWISE USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO THESE TERMS, INCLUDING THE IMPORTANT NOTICES AT THE TOP OF THESE TERMS AND THE PROVISIONS IN SECTION 2 (NOT A MEDICAL SERVICE), SECTION 3 (SAFETY AND CONTRAINDICATIONS), SECTION 8 (AI-GENERATED CONTENT DISCLAIMERS), SECTION 16 (LIMITATION OF LIABILITY), AND SECTION 23 (ARBITRATION).

28. Updates to These Terms and the Privacy Policy

Rizzard may update these Terms or the Privacy Policy from time to time to reflect changes in our Service, legal requirements, or other legitimate reasons. Updated versions will be posted on koily.app/terms and koily.app/privacy, respectively, at least 7 days before taking effect, unless immediate effect is required by law. For material changes affecting your rights or obligations, we may provide additional notice (for example, via email or in-app alert) where required by law. Continued use of the Service after the effective date constitutes your acceptance of the updated Terms or Privacy Policy. If you do not agree to the updated Terms, you must stop using the Service.

29. Contact

If you have any questions or concerns about these Terms, please contact us at:

Rizzard OÜ
Narva mnt 5
10117 Tallinn
Estonia

Email: info@koily.app

Website: koily.app