Skip to main content
ConKarma

ConKarma — Terms of Service

Effective Date: April 25, 2026 Last Updated: September 19, 2026

1. Acceptance of These Terms

These Terms of Service ("Terms") form a binding agreement between you ("you", "your", or "User") and XTZ Group, Inc. ("ConKarma", "we", "us", or "our"), the operator of the ConKarma mobile application and any related websites, APIs, and services (together, the "Service").

By creating an account, downloading, installing, accessing, or using the Service, you acknowledge that you have read, understood, and agreed to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, you must not use the Service.

If you are accepting these Terms on behalf of a minor child (as a parent or legal guardian under our family/child-account flow), you additionally agree to the Parental Consent provisions in Section 4 and confirm you have legal authority to do so.

2. About the Service

ConKarma is a gamified relationship and family-engagement platform that lets members of a household ("Cell") create and complete shared activities, track contributions, exchange virtual rewards, and communicate. The Service includes, among other features:

  • Family/parent-child coordination tools (chores, allowances, savings goals, supervised messaging).
  • Optional adult-only features for partners aged 18+ (intimacy journals, fantasies, kinks, desires).
  • User-generated content such as journals, photos, comments, and voice notes.
  • In-app virtual currencies ("DNA" and "EGO") and gamification mechanics (levels, streaks, achievements, mystery boxes, challenges, login bonuses, seasons).
  • Features that are AI-assisted — see the notice immediately below.

AI-assisted features. Some parts of the Service use artificial-intelligence systems, operated for us by third-party providers, to produce text for you. Examples include weekly recaps, coaching and reflection prompts, suggestion and planning helpers, and summaries of things you have written or recorded. Where a feature produces AI-generated output, we identify that output as AI-generated in the interface, and the output carries a machine-readable record of the system that produced it.

Talking to an AI system. If the Service offers you a feature that converses with you — that is, one that replies to your messages in a back-and-forth — we tell you that you are interacting with an AI system, and not a person, before you send your first message. That notice appears at the feature itself, not only here.

What is not AI-assisted. Conflict-resolution features are deliberately never AI-mediated. Separately from the AI-assisted features above, we use automated classifiers to screen submitted content for child-safety before it is shown to others; that screening produces no content for you and is described in our Privacy Policy.

Our Privacy Policy describes which providers process what, on what legal basis, and what they may and may not retain. We may add, modify, suspend, or remove any feature at any time. Some features may require a supported device, an active internet connection, a current operating system version, or the most recent app release.

3. Eligibility

To create an adult ("Primary") account you must be at least the age of majority in your country of residence (typically 18, and in any event not younger than 16 where local law allows data processing with parental consent at 16). By creating an account you represent and warrant that:

  • You meet the minimum-age requirement above.
  • The information you supply during registration is true, current, and complete.
  • You are not barred from receiving the Service under the laws of any applicable jurisdiction (including U.S., EU, UK, or other export-control and sanctions regimes).
  • You have not previously been suspended or removed from the Service.

Adult-only features — including the annals, fantasies, kinks, and desires areas — are gated to Users who have verified via their birthday that they are 18 years of age or older. Attempting to bypass the age gate is a material breach of these Terms.

4. Child Accounts, Family Cells, and Parental Consent

ConKarma supports supervised child sub-accounts inside a Cell. These are subject to additional rules:

  • A parent or legal guardian ("Parent") must create, claim, or invite each child account and must hold a Primary account in good standing.
  • By creating or approving a child account, the Parent represents that they are the child's parent or legal guardian and gives verifiable parental consent to our collection, use, and disclosure of the child's limited personal information as described in our Privacy Policy, consistent with the U.S. Children's Online Privacy Protection Act ("COPPA"), the EU GDPR (including Article 8 where applicable), the UK Age Appropriate Design Code, and analogous laws.
  • Child accounts are not permitted to access adult-only features under any circumstance. The Service enforces this; Parents must not attempt to unlock adult features for a child account.
  • Parents may review, edit, or delete their child's information and close the child's account at any time from the in-app settings or by emailing parents@conkarma.app (the dedicated COPPA §312.5(b)(1)(iv) contact).
  • Behavioural advertising, third-party analytics profiling, and cross-context data sharing are disabled for child accounts.
  • Parents are responsible for supervising their child's use of the Service and for all activity under the child's account.

5. Accounts and Security

You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account. You agree to:

  • Use a strong, unique password.
  • Enable available security features (e.g., biometric unlock, two-factor authentication when offered).
  • Notify us immediately at legal@conkarma.app of any suspected unauthorized access.

We may suspend or close accounts that we reasonably believe are compromised, fraudulent, duplicate, inactive for an extended period, or in violation of these Terms.

6. Acceptable Use and User-Generated Content

You may post, upload, or transmit text, images, audio, and other content (together, "User Content"). You retain ownership of your User Content, subject to the licence granted in Section 9.

You agree not to use the Service, and not to upload or transmit any User Content that:

  • Is unlawful, defamatory, harassing, threatening, abusive, invasive of privacy, hateful, or otherwise objectionable.
  • Sexualises, endangers, or exploits minors in any way. Any content depicting or appearing to depict a minor in a sexual context is strictly prohibited, will be removed, the account will be terminated, and — where required by law — reported to the National Center for Missing & Exploited Children (NCMEC) or equivalent authorities.
  • Contains non-consensual intimate imagery or depicts identifiable third parties in sexual contexts without their express consent.
  • Infringes the intellectual-property, privacy, publicity, or other rights of any person.
  • Contains malware, phishing links, or automation intended to disrupt or probe the Service.
  • Solicits, advertises, or facilitates the exchange of real-world money, goods, or services outside the intended use of the Service.
  • Attempts to reverse-engineer, decompile, scrape, or otherwise misuse the Service, its APIs, or underlying infrastructure, except to the extent such restriction is prohibited by law.
  • Impersonates any person or entity, or misrepresents your affiliation with any person or entity.
  • Misuses an AI-assisted feature: attempting to make it produce content prohibited by this Section; submitting another person's personal information, or content you have no right to submit, in order to have it processed; using it to generate material that impersonates a real person or presents AI-generated output as that person's own words or likeness; or attempting to extract, reconstruct, or circumvent the instructions, safety rules, or provider models behind it.
  • Uses an AI-assisted feature, or output from one, to build, train, or evaluate another AI system, or to resell or redistribute the output as a standalone service.
  • Automates or scripts access to an AI-assisted feature, or uses one at a volume or rate beyond ordinary personal use.

You are solely responsible for your User Content. We do not pre-screen User Content but we may, at our sole discretion, review, remove, refuse, or limit the distribution of any User Content, and we may suspend or terminate accounts that breach these rules. Where required, we will cooperate with law-enforcement requests pursuant to valid legal process.

Automated screening, and how to contest it. Some content is screened automatically before it is shown to others, and content that the screen rejects may be blocked without a person having looked at it first. You can ask us to review any such outcome, and a person will review it: use the in-app support channel or the contact address in Section 21, and tell us what was blocked and when. We do not make decisions producing legal or similarly significant effects about you solely by automated means.

7. Take It Down Act and unlawful-content notices

In compliance with the U.S. federal Take It Down Act and equivalent local laws, we provide a public notice channel for reports of non-consensual intimate imagery, deepfakes, sextortion material, and related unlawful content involving an identifiable individual.

How to report. Public reports may be filed at the takedown-notice page on our marketing site (linked from the in-app Settings → Legal). Authenticated users may also use the in-app Report affordance available on every image (long-press → Report), which routes the notice to the same intake queue with the reporter's account context attached.

What we do with the notice. We will review and act on each valid notice within 48 hours of receipt. Action may include removing the content, suspending the uploader's account, preserving evidence for law enforcement, and notifying you of the outcome. Frivolous, false, or repeated bad-faith notices may themselves breach these Terms and result in suspension.

What we ask of reporters. A valid notice includes (a) identification of the content (a link or a clear description of where the content is on the Service), (b) the reporter's good-faith attestation under penalty of perjury that the notice is accurate and that the reporter is authorised to act on behalf of the depicted individual, and (c) the reporter's contact information for follow-up. The in-app Report flow collects these fields automatically.

Counter-notices. Where applicable, the uploader may submit a counter-notice through the same channels; we will balance the counter-notice against the original report on a case-by-case basis per the Take It Down Act framework.

8. Adult Features

Adult-only features ("Ember", delivered through our separate After Dark application) are provided for consenting adults and intended for private use between Cell members. They are off by default and gated behind age assurance and an explicit, unbundled opt-in.

After Dark Content Policy. Your use of any adult feature is additionally governed by our After Dark Content Policy, which is incorporated into these Terms by reference. It states exactly what content the app itself provides (mildly suggestive text only — never hardcore, and no nudity imagery of any kind), what adult partners may share privately with each other, and the always-on safeguards that apply to all adult content including private uploads (both partners 18+, CSAM scanning of every upload with reporting to NCMEC, non-consensual-imagery protections, screenshot protection, no export, and shred-on-dissolution).

Consenting-adult representation. By accessing or using any adult feature, you represent and warrant that: (a) you are at least 18 years old (or the age of majority in your jurisdiction, if higher); (b) every person depicted, described, or identifiable in any adult content you create, upload, or share is an adult who was at least 18 years old at the time the content was made; (c) every such person has given informed, voluntary consent to the creation of that content and to its sharing within your Cell; and (d) your creation and sharing of the content is lawful in your jurisdiction and in the jurisdictions of all depicted persons. You will not create, upload, request, or share any sexual content depicting a minor or any non-consenting person; such content is strictly prohibited, will be removed, and may be reported as required by law (see the Takedown Notice policy).

Sharing limits. You agree not to share adult content outside your Cell in any way that could expose it to minors or to non-consenting adults. We reserve the right to remove adult content we consider to breach these Terms, our content policies, or applicable platform (Apple, Google, Microsoft) rules.

18 U.S.C. §2257 posture. ConKarma is a private, invitation-only, non-commercial coordination surface for consenting adults; it is not a commercial producer of, and does not solicit the commercial production of, sexually explicit content, and it does not create the content its users generate. To the extent any user-generated content could implicate the record-keeping requirements of 18 U.S.C. §2257 / §2257A, ConKarma acts solely as a provider of a computer service that transmits or stores content at users' direction, and relies on the exemptions and safe harbors available to such providers (including 28 C.F.R. §75.1(c)(4) and 47 U.S.C. §230 for third-party content). Each user is the producer of, and is solely responsible for legal compliance and any record-keeping for, content they create; by using adult features you represent that you can substantiate the adult status and consent of all depicted persons on lawful request.

Adult-content indemnity (survival). To the fullest extent permitted by law, you agree to indemnify, defend, and hold harmless XTZ Group, Inc. and its affiliates from any claim, loss, liability, or expense (including reasonable legal fees) arising out of or relating to adult content you create, upload, request, or share, or your breach of the representations in this section. This indemnity is in addition to Section 16 and survives termination of your account and these Terms.

9. Intellectual Property

The Service — including its software, design, text, graphics, logos, icons, audio, and underlying technology (but excluding User Content) — is owned by or licensed to XTZ Group, Inc. and is protected by copyright, trademark, and other laws. Except for the limited, revocable, non-exclusive, non-transferable licence to use the Service for personal, non-commercial purposes in accordance with these Terms, no rights are granted to you.

Licence you grant us in your User Content. You grant us a worldwide, non-exclusive, royalty-free, sub-licensable licence to host, store, reproduce, transmit, display, and create derivative works of your User Content solely for the purposes of operating, providing, improving, and securing the Service (for example: storage, backup, format conversion, safety moderation, personalised display to your Cell). This licence ends when you delete the content or your account, except to the extent your content has been shared with others in your Cell (they retain copies under their own data-subject rights) or where we are legally required to retain it.

You represent that you own or have all necessary rights in your User Content to grant this licence.

AI-assisted output. As between you and us, output that an AI-assisted feature produces for you from your own input — your recap, your summary, your prompt, your suggested plan — is treated as your User Content: you may use it as you would anything else you create in the Service, and the licence you grant us above applies to it on the same terms. We claim no ownership in it beyond that licence.

Two limits you should understand. First, AI-generated output may not be protected by copyright at all in some countries, and where it is not, neither you nor we can claim exclusive rights in it — this Section allocates what rights exist, and cannot create rights the law does not recognise. Second, an AI system may produce output that is similar or identical for different users given similar input, so you should not assume output is unique to you, and we may produce or licence similar output to others.

You remain responsible for what you do with AI-assisted output, including checking that using it does not infringe anyone else's rights. Where the Service marks output as AI-generated, you agree not to remove, obscure, or falsify that marking.

Feedback. If you send us suggestions or feedback, we may use them without any obligation to you.

10. Virtual Currency (DNA / EGO) and Virtual Items

DNA, EGO, XP, streaks, mystery boxes, cosmetics, and similar digital tokens (together, "Virtual Items") are a limited, revocable, non-transferable licence to use an in-game feature of the Service. They are not legal tender, cryptocurrency, electronic money, securities, or any store of real-world value.

You agree that:

  • Virtual Items have no cash value and cannot be redeemed for real money, goods, or services outside the Service.
  • Virtual Items are non-transferable except through intended in-Service mechanisms (e.g., the Gift system) between Cell members.
  • Balances, prices, earn rates, drop rates, and availability may change at any time without compensation.
  • We may forfeit or adjust Virtual Items in cases of bug exploitation, fraud, chargeback, or account termination.
  • Virtual Items are forfeited automatically and without refund if your account is terminated for breach of these Terms, and upon discontinuation of the Service except where applicable consumer-protection law requires otherwise.
  • Sale, auction, or transfer of Virtual Items to or from any third party, or any off-Service marketplace, is strictly prohibited.

Subscriptions and In-App Purchases. The Service offers premium and family-plan subscriptions purchased through Apple's App Store (StoreKit) or Google Play (Billing). Where a subscription is offered with a free trial or introductory price, the standard rate begins at the end of the trial / introductory period unless you cancel before then through your store account. Subscriptions auto-renew until cancelled. Refunds and cancellations are governed by the platform's published policy and consumer-protection law of your jurisdiction. A subscription purchased on one device is restorable on any other device signed into the same store account via Settings → Premium → Restore Purchases. Family-plan subscriptions extend premium access to every member of the subscriber's Cell at no additional cost; cell-courtesy access ends if the family-plan subscriber cancels or the cell member leaves the Cell.

Advertising on Free Accounts. Free, adult and teen accounts may see non-personalised banner, interstitial, and rewarded-video ads served by Google AdMob. Ad personalisation is off by default. No advertising is shown on child accounts (Apple Designed for Children + Play Families Policy compliance). Subscribed accounts (Premium / Family) see no ads.

Wedding-registry gift. ConKarma Premium can be given as a free wedding-registry gift. A gifter creates a single-use redemption code at no charge — there is no payment and no payment processor is involved — and shares it out-of-band with the recipient couple. The recipient redeems the code at conkarma.app/from-wedding-registry or inside the ConKarma app. A couple may also claim a one-time free newlywed Premium gift for their own cell. The following terms apply:

  • 18+ requirement. Recipients must be 18 or older. The gifter is responsible for verifying the recipient's age before sending the code.
  • Single-use. Each code redeems exactly once.
  • Code expiry. Unredeemed codes expire twelve (12) months after they are created. After expiry the code cannot be redeemed.
  • Stacking limits. A couple Cell may hold up to twenty-four (24) months of accumulated gift-Premium at any time. Additional gift codes redeemed against an at-capacity account fail; the recipient is responsible for redeeming codes in an order that respects this cap.
  • No transfer after redemption. The recipient identity is the ConKarma account that signs in to redeem the code. Once redeemed, the resulting Premium entitlement cannot be transferred to another account.
  • One newlywed gift per cell. The free newlywed Premium gift can be claimed once per family cell, by a couple who have formed a cell together.
  • Public registry link and blessings. A couple can create a public, re-shareable registry link with a blessings wall. Guests can open the link and leave a blessing — their name and a short message — on the couple's public wall. This is a free, non-purchase feature: no gift, code, or payment is involved in creating a registry link or leaving a blessing, and blessings are public to anyone with the link. Blessings are screened for child-safety and can be hidden by the couple.
  • Non-cash and free of charge. Gift codes and the newlywed gift are provided free of charge; they are not legal tender, cash equivalent, or store credit, and have no redemption value outside the ConKarma Premium entitlement they confer.

11. Third-Party Services and Links

The Service integrates with and relies on third-party platforms, including Apple App Store, Google Play, Firebase (Google LLC), and Google Analytics. Your use of those services is governed by their respective terms. We are not responsible for the practices of third parties. Where the Service links to external content, we do not endorse that content and are not liable for it.

12. Privacy

Our collection and processing of personal information is described in our Privacy Policy, which is available in-app and at https://conkarma.app/privacy. By using the Service, you acknowledge that you have read the Privacy Policy.

13. Termination

You may stop using the Service at any time and delete your account from in-app settings or by writing to legal@conkarma.app. We may suspend or terminate your access, with or without notice, if we believe in good faith that you have breached these Terms, created risk or legal exposure for us, or that continued provision is no longer commercially viable.

On termination: your licence to use the Service ends; your User Content may be deleted (subject to the retention rules in the Privacy Policy and to copies legitimately retained by your Cell members); Virtual Items are forfeited without compensation except where required by law. Sections that by their nature survive termination (including Sections 8, 9, 10, 13, 14, 15, 16, and 17) will survive.

14. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED OR ERROR-FREE OPERATION. WE DO NOT WARRANT THAT USER CONTENT OR ANY INFORMATION PROVIDED THROUGH THE SERVICE IS ACCURATE, COMPLETE, OR RELIABLE.

The Service is a coordination and entertainment tool. It is not a substitute for professional relationship, medical, psychological, legal, or financial advice, and should not be used for any emergency.

Nothing in these Terms excludes warranties or liability that cannot be excluded under applicable law (for example, rights of EU consumers under Directive 2011/83/EU, UK Consumer Rights Act 2015, Australian Consumer Law, etc.).

AI-assisted output may be wrong. AI systems produce output by prediction, not by looking anything up, and they can state things that are inaccurate, outdated, incomplete, or entirely invented while sounding confident. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE MAKE NO WARRANTY THAT AI-ASSISTED OUTPUT IS ACCURATE, COMPLETE, CURRENT, SUITABLE FOR ANY PURPOSE, OR FREE OF ERROR OR BIAS. Treat it as a starting point to check, not as a fact, and do not rely on it for any decision that matters.

This applies with particular force to the guidance-shaped features. Coaching prompts, study-habit and parent-preparation suggestions, relationship reflections, and similar output are generated material, not professional advice — the limitation in the paragraph above ("not a substitute for professional relationship, medical, psychological, legal, or financial advice, and should not be used for any emergency") applies to them in full. Where output touches a decision about a child, health, money, or safety, use your own judgement and, where appropriate, a qualified professional.

Availability of AI-assisted features depends on third-party providers. We may change, degrade, or withdraw any AI-assisted feature, or the provider behind it, without notice.

Voice intents and driver distraction. The Service offers optional voice intents on iOS (via Apple Siri / App Intents) and Android (via Google Assistant / App Actions, including Android Auto and Driving Mode where supported). These voice surfaces are designed for hands-free, eyes-up use; they are a convenience layer, not a replacement for paying attention to the road or to your surroundings.

You are solely responsible for choosing when and how to invoke voice intents. You must comply with all applicable laws and regulations governing mobile-device use while operating a vehicle, including any local restrictions on hands-free use, voice control, and CarPlay or Android Auto interaction. Do not invoke voice intents in any situation where doing so would distract you from the safe operation of a vehicle, machinery, or any other activity that requires your attention.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, XTZ Group, Inc. AND ITS AFFILIATES DISCLAIM ALL LIABILITY FOR ANY INJURY, LOSS, OR DAMAGE ARISING OUT OF OR RELATING TO YOUR USE OF VOICE INTENTS WHILE DRIVING, OPERATING MACHINERY, OR OTHERWISE ENGAGED IN AN ACTIVITY THAT REQUIRES ATTENTION TO YOUR SURROUNDINGS. This disclaimer is in addition to, and does not limit, the platform-level safety warnings and restrictions imposed by Apple, Google, or your vehicle manufacturer.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, XTZ Group, Inc., ITS AFFILIATES, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUES, DATA, GOODWILL, OR SUBSTITUTE SERVICES, ARISING OUT OF OR RELATING TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE IS LIMITED TO THE GREATER OF (a) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (b) USD 50.

These limitations form an essential part of the bargain between you and us. Some jurisdictions do not allow certain limitations; in those jurisdictions our liability is limited to the smallest extent permitted.

Statutory carve-outs. Nothing in these Terms limits or excludes our liability for: (a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; (c) gross negligence or willful misconduct; (d) statutory damages or remedies that cannot be limited or excluded under applicable data-protection law (including the EU and UK GDPR); (e) our defense and indemnification obligations for third-party intellectual-property infringement by the Service itself; or (f) any other liability that cannot be limited or excluded under applicable law, including non-waivable statutory consumer guarantees.

16. Indemnification

You agree to defend, indemnify, and hold harmless XTZ Group, Inc. and its affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with: (a) your access to or use of the Service; (b) your User Content; (c) your breach of these Terms; or (d) your violation of any law or third-party right. We may assume exclusive control of any matter subject to indemnification by you, in which case you agree to cooperate with our defence.

17. Dispute Resolution, Governing Law, and Class-Action Waiver

Informal resolution. Before filing any formal claim, you agree to contact us at legal@conkarma.app and attempt in good faith to resolve the dispute for at least sixty (60) days.

Governing law. These Terms are governed by the laws of the State of California, USA, without regard to its conflict-of-laws rules. This choice of law does not deprive you of the protection of any mandatory consumer-protection provisions of the law of your country or state of habitual residence. In particular, and where mandatory local law so requires: (a) if you are a consumer resident in the EU or EEA, these Terms are governed by the law of your country of residence; (b) if you are a consumer resident in the United Kingdom, these Terms are governed by the law of England and Wales (or of Scotland or Northern Ireland, as applicable to your residence); and (c) if you are a consumer resident in Quebec, Canada, these Terms are governed by the law of the Province of Quebec.

Arbitration. Where enforceable, any unresolved dispute will be finally settled by binding individual arbitration administered by JAMS under its then-current rules, seated in San Francisco, California, USA, conducted in English. Judgment on the award may be entered in any court of competent jurisdiction.

Class-action waiver and anti-classwide severability. Where enforceable, you and we each waive any right to participate in a class, collective, consolidated, or representative action, and no dispute will be arbitrated on a class, collective, consolidated, or representative basis. If the class-action waiver in this section is found unenforceable or invalid as to a particular claim or remedy, then that claim or remedy — and only that claim or remedy — will be severed and adjudicated in a court of competent jurisdiction, while all remaining claims proceed in individual arbitration; in no event will any claim be arbitrated on a classwide basis.

Changes to this section. Any material change to this Dispute Resolution section requires your affirmative re-acceptance before it applies to you; your continued use of the Service alone is not acceptance of a changed arbitration, class-waiver, or governing-law clause. We will not apply any such change to a dispute of which we already have actual notice.

Carve-outs. Either party may seek injunctive relief in court for intellectual-property or confidentiality matters. Consumers retain any non-waivable statutory forum rights (e.g., EU Regulation 1215/2012, UK CRA 2015, Quebec Consumer Protection Act). The arbitration and class-waiver clauses above do not apply to residents of the EU/EEA, the UK, Quebec, or any jurisdiction whose mandatory consumer-protection law would render them unenforceable.

18. Changes to the Terms

We may update these Terms from time to time. If changes are material, we will give at least thirty (30) days' prior notice (in-app banner, email, or push). Your continued use of the Service after the effective date of the updated Terms constitutes acceptance; otherwise, you must stop using the Service and may close your account.

19. Platform-Specific Provisions

Apple App Store. You acknowledge that these Terms are between you and us, not Apple, and that Apple has no obligation to furnish maintenance or support. In the event of any failure of the Service to conform to an applicable warranty, you may notify Apple and Apple will refund the purchase price; Apple has no other warranty obligation. You must comply with the Apple Media Services Terms.

Google Play. These Terms are entered into between you and us, not Google. Google has no responsibility for the Service or its content. You must comply with the Google Play Terms of Service.

20. Miscellaneous

These Terms, together with the Privacy Policy and the End User License Agreement, are the entire agreement between you and us regarding the Service. Our failure to enforce any provision is not a waiver. If any provision is held unenforceable, the remaining provisions remain in effect. You may not assign your rights under these Terms without our prior written consent; we may assign ours in connection with a merger, acquisition, or sale of assets.

Force majeure. We will not be liable for any failure or delay in performance to the extent caused by events beyond our reasonable control, including acts of God, war, terrorism, civil unrest, labor disputes, governmental action, epidemic, power or network failures, or third-party service outages.

Precedence. Your use of ConKarma is governed by these Terms, the Privacy Policy, and the End User License Agreement. In the event of a conflict: the Privacy Policy controls on matters of personal-data collection, use, and disclosure; the EULA controls on matters of the software license for the application; and these Terms control on all other matters as the master agreement. Where a Store's required terms (Apple, Google, Microsoft) conflict with any of the foregoing, the Store's required terms control solely to the extent required by that Store.

21. Contact

Questions about these Terms: legal@conkarma.app Postal address: XTZ Group, Inc., 2261 Market Street #4524, San Francisco, CA 94114, USA