1. Overview of the Service
Charmloop is an artificial-intelligence platform that lets you (a) create and interact ("chat") with fictional AI characters ("AI Companions") and (b) generate AI images using a standard ("Base") generator and an advanced ("Pro") generator. All characters, likenesses, and imagery available through or generated by the Service are artificially generated and entirely fictional. They do not depict, and are not intended to depict, any real, identifiable person, and no real human performers are involved in their creation. See also our 18+ / Adult Content Statement and Acceptable Use & Content Policy.
2. Eligibility; 18+ requirement
2.1 You must be at least 18 years old, or the age of majority in your place of residence if that age is higher, to access or use any part of the Service. The Service is not directed to and may not be used by anyone under 18.
2.2 By accessing the Service you represent and warrant that you meet the age requirement, that you have the legal capacity to enter into these Terms, and that your use of the Service does not violate any law applicable to you.
2.3 We use an age-affirmation gate before access to adult areas of the Service and may use additional age-assurance measures where required by law. Misrepresenting your age is a material breach of these Terms.
2.4 You are responsible for ensuring that adult content is lawful to access in your jurisdiction. If it is not, you must not use the Service.
3. Accounts
3.1 To use most features you must create an account using a valid email address and credentials. You are responsible for safeguarding your credentials and for all activity under your account.
3.2 Provide accurate information and keep it current. We may suspend or terminate accounts that contain false information or are used in violation of these Terms.
3.3 One person, one account, unless we expressly permit otherwise. You may not share, sell, or transfer your account.
3.4 Notify us promptly at support@charmloop.ai of any unauthorized use of your account.
4. Acceptable use
Your use of the Service is subject to our Acceptable Use & Content Policy, which is incorporated into these Terms by reference. That policy lists strictly prohibited content and conduct, including a zero-tolerance prohibition on any sexual content depicting minors or apparent minors, and on non-consensual or deceptive depictions of real, identifiable people. Violations may result in immediate termination and, where required by law, reporting to authorities. Read it in full at charmloop.ai/content-policy.
5. Your content; license you grant us
5.1 "User Content" means the prompts, text, instructions, character configurations, reference inputs, chat messages, and other material you submit, and the images and other outputs generated for you through the Service ("Generated Content").
5.2 As between you and Charmloop, you retain whatever rights you have in your User Content. You grant Charmloop a worldwide, non-exclusive, royalty-free license to host, store, reproduce, process, transmit, display, and create technical derivatives of your User Content solely to operate, secure, maintain, and improve the Service, to enforce our policies, and to comply with law. This license ends when the relevant content is deleted from our systems, except (a) for content you made public or shared, to the extent others have relied on it, and (b) for backups and records we are required or reasonably permitted to retain.
5.3 You represent that you have all rights necessary to submit your User Content and to grant the license in Section 5.2, and that your User Content does not violate these Terms, our Acceptable Use & Content Policy, or any law or third-party right.
5.4 We do not claim to monitor all User Content, but we may review, refuse, remove, or restrict any User Content at our discretion, including by automated means, to enforce these Terms or comply with law.
6. Ownership of Generated Content
6.1 As between you and Charmloop, and subject to your compliance with these Terms and payment of any applicable fees, we assign to you whatever ownership interest we may have in the Generated Content you create through the Service, and/or grant you a worldwide, perpetual, non-exclusive license to use it, including for commercial purposes, except where prohibited by Section 6.3.
6.2 Important limits on what "ownership" means. The legal status of AI-generated material is unsettled and varies by country. In several jurisdictions, purely machine-generated output may not be eligible for copyright protection at all, and we make no representation or warranty that Generated Content is protectable, original, non-infringing, or exclusive to you. Identical or similar outputs may be generated for other users. You use Generated Content at your own risk.
6.3 You may not use Generated Content (a) in any way that violates our Acceptable Use & Content Policy or any law; (b) to imply endorsement by, or association with, any real person or brand; or (c) to create or imply content prohibited under Section 4. We retain the right to use Generated Content and User Content as needed to operate the Service (Section 5.2).
6.4 The Charmloop name, logo, software, models, and the look and feel of the Service are owned by Charmloop or its licensors and are protected by intellectual-property laws. These Terms grant you no rights in them except the limited right to use the Service.
7. Charms, purchases, and subscriptions
7.1 Charms. Many features (including image generation and certain chat features) consume an in-platform virtual credit called "charms." Charms have no monetary value, are not a deposit, currency, or stored-value instrument, are non-transferable, and cannot be exchanged for cash except as expressly stated in our Refund Policy.
7.2 How you obtain charms and access. You may purchase one-time charm packs and prepaid subscription tiers. Payments are processed in cryptocurrency through our third-party payment provider, NOWPayments. We do not store your crypto wallet details. Prices are shown before purchase and may change prospectively.
7.3 Prepaid subscriptions. Subscription tiers are sold as prepaid periods (for example, a one-time payment for a fixed multi-month term). They do not auto-renew via card on file; to continue, you renew by making a new payment. Different tiers unlock different features and charm allowances, as described at checkout.
7.4 Consumption and balance. Charms are deducted when you use a paid feature. We may show your balance and history in your account. We may distinguish subscription-granted charms from purchased charms, and apply or expire them according to the tier terms shown at purchase.
7.5 Refunds. Purchases are generally non-refundable, with limited exceptions, and certain consumers may waive statutory withdrawal rights as described in our Refund Policy and in Section 7.6. The Refund Policy is incorporated into these Terms by reference.
7.6 EU/EEA/UK consumers — digital content and withdrawal. Where you are a consumer with a statutory right of withdrawal for digital content, by purchasing and requesting immediate access to charms or digital features you (a) expressly consent to immediate performance before the end of the withdrawal period and (b) acknowledge that you thereby lose your right of withdrawal to the extent the content has been supplied. See the Refund Policy for detail.
7.7 Taxes. Prices may exclude taxes. You are responsible for any taxes arising from your purchases other than taxes on our net income.
7.8 Free tier. We may offer limited free functionality, free or promotional charms, or trial features. We may change, limit, or withdraw free functionality at any time. Free-tier usage may be rate-limited or feature-limited and may rotate across AI providers.
8. Acceptable conduct and security
You agree not to: (a) reverse engineer, scrape, or bulk-extract the Service except as permitted by law; (b) probe, attack, or interfere with the Service or circumvent rate limits, the age gate, content filters, or safety systems; (c) use the Service to build a competing model or dataset; (d) resell or sublicense access; (e) use bots or automated access except via interfaces we provide; or (f) violate the Acceptable Use & Content Policy. We may rate-limit, throttle, or block abusive usage.
9. Third-party services
The Service relies on third-party providers (including AI model providers, storage/CDN, payment, and email providers) described in our Privacy Policy. We are not responsible for third-party services, and your use of them may be subject to their terms.
10. Disclaimers
10.1 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, title, and non-infringement, to the fullest extent permitted by law.
10.2 AI output is not reliable or factual. AI Companions and Generated Content are fictional and may produce inaccurate, offensive, or inappropriate output. They are not a substitute for professional advice (legal, medical, financial, psychological, or otherwise), and they are not a real person or a relationship. Do not rely on them for important decisions or for crisis support. If you are in crisis, contact local emergency services or a qualified professional.
10.3 We do not warrant that the Service will be uninterrupted, secure, or error-free, or that Generated Content will meet your expectations or be unique, protectable, or non-infringing.
10.4 Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law (including certain consumer rights).
11. Limitation of liability
11.1 To the fullest extent permitted by law, Charmloop and its officers, employees, and suppliers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or other intangible losses, arising out of or relating to the Service.
11.2 To the fullest extent permitted by law, Charmloop's total aggregate liability arising out of or relating to the Service or these Terms will not exceed the greater of (a) the total amounts you paid to Charmloop in the three (3) months before the event giving rise to the claim, or (b) {{LIABILITY_FLOOR_AMOUNT — e.g. USD 100 — fill before publication}}.
11.3 Some jurisdictions do not allow certain limitations, so some of the above may not apply to you. Where liability cannot be limited, it is limited to the minimum extent permitted by law.
12. Indemnification
You agree to indemnify and hold harmless Charmloop and its suppliers from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising from your User Content, your use of the Service, your violation of these Terms or the Acceptable Use & Content Policy, or your violation of any law or third-party right, to the extent permitted by law.
13. Suspension and termination
13.1 You may stop using the Service and delete your account at any time from your account settings; deletion is subject to the grace period and process described in our Privacy Policy.
13.2 We may suspend or terminate your access immediately, with or without notice, if you breach these Terms or the Acceptable Use & Content Policy, if required by law, or to protect the Service, other users, or third parties. Conduct involving prohibited content (Section 4) will result in immediate termination and may be reported to authorities.
13.3 On termination, your right to use the Service ends. Unused charms are handled as described in the Refund Policy. Sections that by their nature should survive (including Sections 5.2, 6, 10, 11, 12, 14, and 15) survive termination.
14. Changes to the Service and these Terms
14.1 We may modify the Service or these Terms. If we make material changes, we will provide reasonable notice (for example, by posting the updated Terms with a new "Last updated" date and/or notifying you in-product or by email). Changes take effect as stated in the notice.
14.2 Your continued use after changes take effect constitutes acceptance. If you do not agree, you must stop using the Service. Changes will not apply retroactively to a dispute of which we had notice.
15. Governing law and disputes
15.1 These Terms are governed by the laws of {{GOVERNING_LAW_JURISDICTION — fill before publication}}, without regard to conflict-of-laws rules, except where mandatory consumer-protection laws of your country of residence apply.
15.2 The courts of {{VENUE_JURISDICTION — fill before publication}} will have jurisdiction over disputes, except where you have a non-waivable right to bring proceedings in your local courts as a consumer.
15.3 {{OPTIONAL: arbitration / class-action-waiver clause — DRAFT ONLY IF COUNSEL ADVISES; enforceability varies by jurisdiction and is restricted for consumers in the EU/UK.}}
16. Miscellaneous
16.1 These Terms, together with the policies incorporated by reference (Privacy Policy, Cookie Policy, Acceptable Use & Content Policy, Refund Policy, DMCA/Copyright Policy, and 18+ / Adult Content Statement), are the entire agreement between you and Charmloop regarding the Service.
16.2 If any provision is unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets.
17. Contact
Questions about these Terms: support@charmloop.ai. Legal entity: {{LEGAL_ENTITY_NAME — fill before publication}}, {{LEGAL_ENTITY_FORM_AND_ADDRESS — fill before publication}}. {{OPTIONAL_EU_REPRESENTATIVE — fill before publication if required}}.