Terms of Service

1. Who we are and what these terms cover

Cofelt is a social network with an AI reflection feature called Ask. The product, its interface, Ask, and all content are provided in English. We accept members from anywhere our payment processor operates.

These Terms of Service ("Terms") are a binding contract between you and Cofelt, referred to here as "Cofelt," "we," "us," or "our".

• Operator: Cofelt.
• General contact: Cofelt support.

By creating an account on Cofelt, accessing the Cofelt website, or using the Cofelt mobile app, you agree to these Terms and to the Cofelt Privacy Policy, which is incorporated here by reference. Please read them together. If you do not agree, you must not use the service.

If we make a material change, we will give you advance notice as described in section 16.

2. Eligibility and accounts

Age: 18 and over

You must be at least 18 years old to create a Cofelt account. Cofelt involves payments and reflective, emotionally attuned AI content, so it is an adults-only service. We do not knowingly allow anyone under 18 to use the service. We require a birth date and use it to enforce the age requirement before an account can continue into the adults-only service. If we learn that an account belongs to someone under 18, we will close it and delete the associated personal data, except where a record must be kept for a legal or safety reason described in the Privacy Policy. If you believe a child is using Cofelt, contact Cofelt support.

Account integrity

• One account per person.
• The information you provide must be your own and accurate.
• Phone verification is planned as an anti-impersonation check, but SMS delivery is not currently configured. It is not a working recovery method or user two-factor authentication path. Some features may also ask you to complete an optional birth-date verification, which an identity-verification provider performs by checking a government-issued ID. We do not collect any biometric data, as described in the Privacy Policy.
• Religion and cultural community are optional private fields. If you choose to enter them, they are never shown to other members or exposed as Network filters. You can edit or clear your own values.

Entering another person's birth data

Cofelt lets you start a With reading using another person's birth date, time, and place. If you do this, you represent and confirm that:

• you have that person's consent, or another lawful basis, to enter their birth details and to generate a reading about them; and
• you agree not to enter the data of anyone under 18, of any public figure you have no relationship with, or of anyone who has asked you not to.

Where the other person is identifiable, our Privacy Policy explains how we handle their data and how they can contact us at Cofelt privacy team to exercise their rights. You are responsible for the third-party data you choose to enter.

Birth data integrity and accuracy

• Date of birth is immutable once set.
• Time of birth is editable up to 3 times, after which it locks. This limits repeated changes to a core calculation input.
• Place of birth is editable subject to anti-abuse limits.

Birth date, time, and place affect the calculated positions in a chart. Approximate inputs can change those calculations. Accurate inputs do not establish that an interpretation describes you, another person, or a relationship correctly. Interpretations may be wrong even when the inputs and calculations are correct.

Account security

• You are responsible for keeping your password secret and for activity on your account.
• Tell us promptly if you suspect unauthorized access: Cofelt support.

3. The service, Ask, and the AI speaker

Cofelt lets members build a network, exchange text-only direct messages, and use Ask for reflection. Ask uses a calculated birth-sky pattern and the conversation as context for experimental interpretations.

Ask uses your words, calculated pattern, and the context you provide. It can produce inaccurate, incomplete, biased, or invented statements, including confident statements about feelings, compatibility, or events. Its tone is not evidence that it understands your situation. Safeguards aim to reduce harmful or misleading replies, but cannot catch every error. Treat any prediction or instruction to make a major life decision as an unreliable output and report it through the in-app feedback controls or email Cofelt support.

The readings, matches, and safety prompts that Cofelt produces are generated automatically. They are informational and are not a final decision about you, and they do not produce a legal or similarly significant effect on their own. If you believe an automated output has affected you unfairly, you can contact us at Cofelt privacy team to ask for a human to review it, as described in the Privacy Policy.

4. Experimental reflection and its limits

Cofelt is an experimental platform for curiosity, entertainment, reflection, and connection. Its pattern readings, relationship context, and Ask replies are interpretations to explore, not established facts about you or anyone else. We do not claim that birth-pattern interpretations are scientifically validated assessments of personality, mental health, compatibility, or future events.

We do not guarantee an interpretation’s accuracy, completeness, reliability, or suitability for your situation. A compatibility score, if shown, is an output of an interpretive method, not a measured probability of a relationship succeeding. Cofelt cannot establish another person’s private thoughts, feelings, intentions, or consent.

Cofelt is not, and is not a substitute for:

• Medical, psychiatric, or psychological care. Nothing here diagnoses, treats, or manages any condition. Ask is not a therapist, a counselor, or a clinician. Consult a licensed professional for health concerns.
• Legal advice. Consult a qualified lawyer.
• Financial advice. Consult a qualified financial advisor.
• A prediction service. We apply a classical interpretive framework to the pattern of your birth sky. We do not tell your future or guarantee any result. Your life is shaped by countless factors we cannot model.
• A matchmaking guarantee. Relationship context in With is interpretive, not prescriptive, and is not a promise about any relationship.

Do not rely on Cofelt to make consequential health, safety, legal, financial, employment, or relationship decisions. Check factual claims independently, use your own judgment, and speak directly with the people involved. Never delay professional help because of an output. These limits do not reduce our privacy obligations or your non-waivable consumer rights.

5. Safety and crisis response

Because Ask conversations can touch difficult and personal subjects, Cofelt runs safety checks on Ask conversations and on incoming direct messages to look for signals such as:

• Self-harm or suicidal thoughts
• Acute mental-health crisis
• Abuse or safety risk
• A credible threat of harm to others

If a crisis signal is detected:

• Cofelt surfaces a crisis hotline matched to your country, shown verbatim (for example the 988 Suicide and Crisis Lifeline in the US, Samaritans on 116 123 in the UK, and country-appropriate services elsewhere).
• the AI stops chart commentary and surfaces the hotline first, rather than treating the moment as a reading.
• In a rare case of credible, imminent harm, we may contact emergency services, as explained in the Privacy Policy.

6. One-time payment, subscriptions, and billing

Pricing update

New purchases are briefly paused. The pricing page shows the current plan and Spark Pack pricing; purchases are paused, not repriced in secret.

Existing subscriptions and balances

• Existing paid access continues under the terms already accepted for that purchase until it expires or is cancelled.
• Web subscriptions remain manageable through Stripe. App Store and Google Play subscriptions remain manageable through the store where they were purchased.
• Cancelling stops future renewals and keeps paid access through the period already paid for.
• Existing Sparks remain in the account and do not expire. They are non-transferable and are forfeited if the account is deleted, subject to statutory consumer rights.

Payment processing

Cofelt does not store full card numbers. Existing web billing is processed by Stripe, and existing mobile billing is processed by Apple or Google. Any future checkout will show its currency, tax treatment, full price, billing period, and renewal terms before payment.

7. Cancellation, refunds, and your withdrawal right

Cancelling

• You can cancel anytime. For web subscriptions, go to Settings → Subscription → Manage in Stripe Portal (the Stripe billing portal) and cancel there. For App Store or Google Play subscriptions, cancel through the store. Cancelling is as straightforward as subscribing.
• After you cancel, your Premium access continues until the end of the period you have already paid for, and you are not charged again.
• You can also delete your whole account at any time. See the Privacy Policy for the deletion flow and the 30-day grace period.

Refunds

New purchases are briefly paused. Existing subscribers can cancel at any time and keep paid access through the period already paid for. Refund and statutory consumer rights for existing purchases are unchanged.

• If you subscribed through the Apple App Store or Google Play, refund requests are handled by that store under its policies.
• For a web refund request, including a billing error or a request under your statutory rights, email Cofelt billing team from your account email and we will review it.
• For your first account payment on the web (one-time, Cofelt or Cofelt Plus, in its checkout currency), request a goodwill review within 7 calendar days of payment. There is no automatic money-back guarantee. This is for limited use; substantial use, such as using a full day's included Ask allowance, normally rules out a change-of-mind refund. Failed or unusable answers are reviewed as service issues.
• After 7 days, and for renewals, upgrades or delivered Spark Packs, there is normally no change-of-mind refund. Renewing, upgrading or rejoining does not restart the first-payment window. These goodwill rules apply to payments made from 11 September 2026; earlier purchases retain the terms offered when purchased. We use the date you send the request, not the date we reply.
• Billing errors, service failures, applicable store policies and statutory rights are reviewed separately. The 7-day limit and usage guidance do not restrict these remedies or any applicable statutory cooling-off period.
• A full refund removes the benefits funded by that payment. If no unrefunded entry or paid membership period remains, member access ends; billing, support, export and deletion remain available. Other valid purchases are preserved. Unrefunded Sparks remain saved, but require member access to use. You can reopen access or request billing review of an unused pack if a membership refund prevents use.
• Refunding a Spark Pack removes its Sparks, proportionally for a partial web refund. Refunded Sparks already used create a balance adjustment against future credits, without an automatic card charge. A partial membership refund keeps access until the whole payment is refunded; store access revocations follow the store's decision.

Your statutory withdrawal and cooling-off rights

If you are a consumer in the European Union, the United Kingdom, or another place that grants a right to withdraw from a distance contract, you normally have a 14-day cooling-off period to cancel a purchase. Cofelt provides digital access immediately, but these Terms do not treat a statutory withdrawal right as waived merely because access has begun. Ask the store that processed the purchase, or contact Cofelt billing team for a web purchase, and we will apply the rules that govern that transaction. These statutory rights, and any other mandatory consumer rights you have where you live, always apply and override anything in these Terms that conflicts with them. Nothing here limits the rights you cannot waive by law.

For a focused summary of how to cancel, refund eligibility, and how to request a refund, see the standalone Refund and Cancellation Policy.

8. Content and conduct rules

Cofelt is a private network where people come for honest connection. You keep ownership of what you create, and you grant us a limited license to host, store, and display your content so we can run the service for you. You are responsible for what you share and send. The following are prohibited:

Harassment and abuse

• Threats of violence, sexual harassment, or stalking
• Targeted harassment of any individual
• Hate speech against protected groups
• Encouraging others to commit harassment

Doxxing and impersonation

• Posting another person's private information, such as a home address, workplace, phone number, or financial details, without consent
• Impersonating another real person, whether alive, deceased, a public figure, or a private individual
• Operating multiple accounts to evade moderation, manipulate matching, or harass

Spam and manipulation

• Sending unsolicited promotional content
• Mass-friending or mass-messaging
• Operating bot accounts
• Using Cofelt to drive traffic to scams, multi-level marketing schemes, or sweepstakes

Fake accounts

• Using AI-generated photos as your profile picture
• Submitting fabricated birth data for a person who does not exist
• Operating an account that is not a real human with a real chart

Illegal content

• Anything illegal where you are or where we operate
• Child sexual abuse material, which we remove immediately, report to the authorities, and never tolerate
• Distribution of material you do not have the rights to share

Connection-request abuse

• Sending bulk identical connection requests
• Sending connection requests to harass or expose the recipient
• Using the "match again" feature to repeatedly contact someone who declined you

We may remove content, restrict features, suspend access, or close accounts that break these rules. Where we take action against your account, we aim to give you a reason and a way to respond, as described in section 11.

9. Connection requests

Sending a connection request is free for every member. It never costs Sparks and there is nothing to refund.

• The recipient can accept or decline at any time. Accepting forms the connection; a pending request does not auto-expire.
• A fair-use daily cap applies to outbound requests so mass-request spam is harder to send. The cap applies to all members equally.

If you repeatedly send connection requests that are declined or reported as abusive, we may rate-limit your sending or review your account under section 11.

10. Your data, privacy, and consents

How we collect and use your personal data is described in full in the Privacy Policy, which forms part of your agreement with us. In short:

• We use third-party processors to run the service, including Stripe for payments, an email delivery provider, a geocoding provider to turn your birth city into coordinates, an error-monitoring provider, and our cloud host. Ask replies use Cofelt’s trained model through approved model-serving infrastructure. A request can include your conversation, calculated birth-pattern data, remembered context, and the selected person’s permitted data for With. Service providers that process this information are described in the Privacy Policy.
• We do not sell your personal data or use it for cross-context behavioural advertising. Service-provider access and limited legal or safety disclosures are described in the Privacy Policy.
• You can export your data from the web app and request account deletion. Deletion has a 30-day grace period, after which data is permanently removed through our deletion process. Completion may take longer while required processing finishes. The Privacy Policy explains retained safety and billing records and backup limitations; it also explains how to make a statutory erasure request.

Birth-derived calculations, Ask content, and optional religion or cultural-community information can be sensitive. The current product does not provide one separate, all-purpose in-app consent switch for those core calculations and inferences. Optional religion and community values are processed only when you choose to enter them, remain private, and can be cleared. Where the law requires separate consent for a specific optional purpose, we will ask before activating that purpose; any consent control shown in the app applies only to the purpose it names.

Data requests: Cofelt privacy team.

11. Suspension, appeals, and complaints

If we believe you have broken these Terms, we may, depending on the situation:

1. Send a warning by email and in the app
2. Restrict specific features, such as the ability to send direct messages
3. Temporarily suspend the account
4. Permanently close the account

If we take action against your account and you think we got it wrong, email Cofelt support from your account email. Include any case reference from our notification and explain what happened. We aim to review within 7 business days. We may restrict access immediately for serious safety risks or illegal content. You may still contact us to challenge a mistake, and any review or appeal rights the law gives you remain. If we suspended your account in error and a refund is appropriate, we will refund the affected period.

You can also raise a complaint about how we handle your personal data by writing to Cofelt privacy team. We acknowledge data-protection complaints within 30 days and respond without undue delay. Your right to complain to a regulator, described in the Privacy Policy, is unaffected.

12. Termination

You may close your account at any time from Settings, then Delete account.

We may suspend or close your account if:

• You materially break these Terms
• You repeatedly break minor rules after a warning
• Your account is inactive for an extended period, such as 24 months or more, after we notify you and give you 30 days to log in
• A legal obligation requires it
• We reasonably conclude that continued service exposes others to harm

If we end the service for a reason that is not a violation by you, such as long inactivity or a business wind-down, we will give 30 days' notice and refund any prepaid, unused period where appropriate. On closure, your data is handled as described in the Privacy Policy, including the 30-day grace period.

13. Disclaimers and liability

Service provided "as is"

To the maximum extent allowed by law, the service is provided "as is" and "as available", and:

• we make no warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement;
• we do not warrant that the service will be uninterrupted, error-free, or free of harmful components;
• readings are interpretive, and we do not warrant their accuracy or predictive value; and
• we are not responsible for the conduct of other members or the content they post or send.

Limit on our liability

To the maximum extent allowed by law:

• our total liability to you for any claim relating to these Terms or the service is limited to the greater of the amount you paid Cofelt in the 12 months before the claim or $100 US dollars; and
• we are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost data, lost goodwill, or business interruption.

What we never exclude

Nothing in these Terms limits or excludes liability that cannot be limited or excluded by law. This includes liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, and any non-waivable rights or statutory guarantees you have as a consumer. Some places do not allow certain warranty or liability exclusions, and in those places the provisions above apply only as far as the law permits.

14. Resolving disputes

Talk to us first

If you have a dispute, please contact Cofelt support first so we can try to resolve it directly. Most issues can be sorted out this way.

If we cannot resolve it informally

If a dispute is not resolved within 30 days, it will be handled by the courts identified under the governing law in section 15.

Your protected rights

Nothing in this section affects rights you cannot waive. If you are a consumer in the European Union, the United Kingdom, or another place whose law protects you, you keep the right to bring proceedings in the courts of your home country, and any mandatory consumer protections apply regardless of what this section says. You may also use any official online or alternative dispute-resolution scheme available where you live.

15. Governing law and venue

These Terms, and any dispute arising out of them or the service, are governed by the laws of India, without regard to its conflict-of-laws rules. The courts of Bengaluru, Karnataka, India will have jurisdiction, subject to the protections below. Nothing in this section limits the mandatory consumer-protection rights you have under the laws of your own country of residence.

If you are a consumer, this choice of law and venue does not deprive you of the protection of mandatory consumer-protection rules of the country where you live, and where those rules give you greater protection, they apply. In particular, consumers in the European Union and the United Kingdom may rely on the law of, and bring claims in the courts of, their country of residence.

16. Changes to these terms

We may update these Terms from time to time.

For material changes, meaning anything that affects your rights, your financial obligations, or the conduct rules:

• we will email you at least 30 days before the change takes effect;
• we will show an in-app notice; and
• if you do not accept the change, you can cancel and delete your account at any time without penalty.

For non-material changes, such as typo fixes, clarifications, or formatting, we will update the "Last updated" date without separate notice.

Continued use of Cofelt after a change takes effect means you accept the updated Terms.

17. Other terms

Entire agreement

These Terms, together with the Privacy Policy and any product-specific notices we show at the point of purchase, form the entire agreement between you and Cofelt about the service.

Severability

If any part of these Terms is found invalid or unenforceable, the rest stays in force.

No waiver

If we do not enforce a provision, that is not a waiver of our right to enforce it later.

Assignment

You may not transfer your rights under these Terms. We may transfer them in connection with a merger, acquisition, or sale of assets, on notice to you, and your rights as a consumer are unaffected.

Force majeure

We are not liable for failures or delays caused by events beyond our reasonable control, such as natural disasters, war, government action, or internet outages.

Headings and survival

Section headings are for convenience only. Sections that by their nature should continue after your account ends, including sections 4, 10, 13, 14, 15, and 17, survive termination.

18. Contact

You can reach us at:

• General and account support: Cofelt support
• Billing questions: Cofelt billing team
• Privacy and data requests: Cofelt privacy team

You can contact us about your data at Cofelt privacy team. Users in the EU, EEA, or UK can reach us about their personal data at Cofelt privacy team.