Tokor Terms of Service

Version: 2026-05-16
Effective Date: May 16, 2026
Provider: ZealTop OÜ ("Platform", "we", "us")

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1. Definitions

2. Acceptance

2.1 By registering or signing in to Tokor, you acknowledge that you have read, understood, and agreed to the entire Terms. If you do not agree, do not use the service.

2.2 You must be at least 18 years old or have legal capacity to contract under your jurisdiction. Minors must use the service under guardian supervision.

2.3 The Platform may modify these Terms in response to legal, regulatory, or operational changes. Material changes will be communicated via login interception or email. Continued use constitutes acceptance.

3. Account and Security

3.1 You may register via email, phone number, or third-party OAuth (e.g., Google). Account creation is implicit upon first login; there is no separate sign-up flow.

3.2 You are responsible for all activity on your account. Keep credentials secure; do not share, sell, or transfer your account.

3.3 If you suspect unauthorized access, contact support immediately and rotate your credentials.

3.4 The Platform may suspend or terminate accounts for security, legal, or violation reasons. Notice and appeal procedures depend on user type:

• Individual consumer users (using the Platform solely as buyers): termination may take immediate effect; the Platform will notify you of the main reason by email, and you may file an appeal via the support email within 14 calendar days after termination
• Developer users (who have accepted the Developer Agreement or have listed products): pursuant to EU Regulation 2019/1150 (Platform-to-Business Regulation), Article 4, the Platform will provide at least 30 days' prior written notice stating the factual grounds and appeal instructions; you may appeal during the notice period
• Immediate-termination exceptions (applicable to both consumers and developers): fraud, violation of the prohibited list in §6.1, mandatory requests from Stripe / Visa / Mastercard, judicial or regulatory orders, or material safety risks to other users or the Platform — in these cases termination takes effect immediately and the Platform will state the reasons in writing afterwards

4. Service Description

4.1 The Platform is a digital goods/services marketplace, providing primarily:

• AI assistant subscriptions
• Third-party developer digital goods/services for purchase
• Community interactions (comments, reports, appeals)

4.2 For developer transactions, the Platform uses Stripe Connect destination charge for settlement. Consumption-tax handling is phased as follows:

• Current phase (ZealTop OÜ has not yet completed EU VAT registration): cross-border consumption tax is calculated automatically by Stripe Tax at checkout based on the buyer's jurisdiction and collected from the buyer; Developers are responsible for reporting their resulting income in their own tax residence
• Subsequent phase (after ZealTop OÜ completes EU VAT registration and any required country/region registrations): the Platform will act as Merchant of Record (MoR) to collect and remit VAT / GST and other consumption taxes

The mode actually applied is governed by what is displayed on the checkout page at the time of your order.

4.3 The Platform does not sell physical goods and does not provide shipping or fulfillment services for tangible items.

5. User Rights

5.1 Subject to these Terms, you may:

• Browse public content
• Register, subscribe to AI assistants, and purchase digital goods
• Upload Content compliant with these Terms
• Cancel subscriptions and request refunds (subject to Stripe policies)
• Close your account
• Exercise GDPR data subject rights (see Privacy Policy)

5.2 You may withdraw from these Terms at any time by ceasing use and closing your account.

6. User Obligations and Prohibited Conduct

6.1 You agree NOT to:

• Upload or sell content that violates the laws of your jurisdiction or those of the Platform's jurisdiction (Estonia, EU)
• List or purchase physical goods (Platform is digital-goods only)
• List any of the prohibited categories (per catalog moderation blacklist):
  • Third-party platform account resale / shared memberships / account rentals
  • SMS verification / interception services
  • Academic essay writing / exam answering services
  • Deepfake services / unauthorized celebrity impersonation
  • Pirated software / cracked license keys
  • VPN-style services targeting jurisdictionally sensitive markets
  • NSFW / adult content / content involving minors
• Infringe third-party intellectual property, trademarks, patents, image rights, reputation
• Upload false, fraudulent, or misleading information
• Disrupt Platform operations (DDoS, scraping, exploit abuse, etc.)
• Misuse AI services to generate illegal content
• Use the Platform for money laundering, fraud, or sanction circumvention

6.2 AI-generated content must comply with EU AI Act (effective 2026):

• High-risk uses (legal/medical/financial advice) must include disclaimers
• The Platform reserves the right to add AI labels/watermarks as required by regulation

6.3 Violation triggers immediate action:

• Content takedown
• Account ban (cumulative threshold auto-triggers ban; see catalog moderation)
• Withholding of pending payouts
• Referral to authorities when legally required

7. Content and Intellectual Property

7.1 You retain copyright to content you upload.

7.2 By uploading, you grant the Platform a worldwide, royalty-free, non-exclusive, sublicensable license to:

• Display, distribute, reproduce, adapt your content within Tokor service
• Use for service operations, compliance review, backups, and archiving
• Use for Platform promotion (necessary screenshots, etc.; not unrelated advertising)

7.3 This license survives account termination for already-distributed copies (technically irreversible) but the Platform will cease active use within reasonable bounds.

7.4 You warrant lawful rights to all uploaded content. Infringement liability is yours.

7.5 The Platform's name (Tokor), logo, UI design, source code, and other IP are owned by ZealTop OÜ.

8. Payment and Subscription

8.1 Payments are processed by Stripe; you are additionally bound by Stripe's user agreement.

8.2 Subscription products (e.g., monthly AI assistant) auto-renew until cancelled.

8.3 Refund Policy

The Platform applies product-type-specific refund rules. EU consumers additionally enjoy statutory rights under the EU Consumer Rights Directive (Directive 2011/83/EU) on all product types; the Platform honors these rights as set out below.

8.3.1 One-Time Digital Goods (OFFER)

• The merchant may mark a product refundable=true at listing and define a custom refund window (default 14 days)
• Within the window you may file a refund request with a reason; the merchant has 3 days to respond. If the merchant fails to respond in time, the system auto-approves and executes the refund
• EU consumer special right: even where the merchant has disabled refundability (refundable=false) or set a window shorter than 14 days, within 14 days of order placement you may invoke your statutory right under Article 9 of the EU CRD by contacting the email in §16; once the Platform verifies the order's EU eligibility, the refund will be released directly

8.3.2 Subscription Products (AI Assistant Subscriptions, etc.)

• Default mechanism: you may cancel at any time via "Cancel Subscription"; cancellation takes effect at the end of the current billing cycle, and amounts already charged are generally non-refundable
• EU consumer special right: within 14 days of the first order of a subscription, even if you have already begun using the service, you may invoke your EU CRD statutory right via the email in §16 to request a full no-reason refund; customer service will process within 14 calendar days

8.3.3 One-Time Token Add-On Packs (ADDON)

• Default mechanism: tokens are credited to your account balance immediately upon purchase. Because this is business-irreversible, refunds are not supported by default
• EU consumer special right: within 14 days of order placement you may invoke your EU CRD statutory right via the email in §16. The Platform will verify whether your remaining unconsumed token balance is sufficient to cover the original purchase quantity:
  • Sufficient balance: the Platform reclaims the corresponding tokens and issues a full refund
  • Partially consumed: a partial refund proportional to unconsumed tokens
  • Insufficient balance to reclaim: the Platform reserves the right to refuse the refund (invoking the digital-content performance exception under Article 16(m) of the EU CRD)

8.3.4 Assistant Slots (SLOT) and Other B2B Types

• SLOT and other types sold exclusively to developers are B2B products, which are outside the consumer protection scope of the EU CRD; once purchased, they are non-refundable

8.3.5 Other Refund Scenarios (All Types)

• Platform fault, material service defects, fraud, or product takedown — refunds may be requested for any product type
• Within the window allowed by card-network rules (typically 60-180 days, per issuing bank), you may initiate a chargeback through your issuing bank; the Platform will cooperate with the investigation
• Detailed policy: see each product page + Platform Refund Rules

8.3.6 Who Bears the Refund Cost

Per the Developer Agreement, refund costs are borne by the Developer (refund_application_fee=false + reverse_transfer=true); the Platform merely executes the refund. Mandatory refunds under EU CRD are likewise borne by the Developer and may not be refused by the Developer.

8.4 Prices, exchange rates, taxes are calculated automatically; the actual charge at checkout governs.

9. Suspension and Termination

9.1 The Platform may suspend or terminate your account for:

• Violation of any provision herein
• Legal/regulatory/judicial requirements
• Stripe/Visa/Mastercard network rule requirements
• Long-term inactivity (≥ 12 consecutive months)
• Platform business adjustment / service shutdown

9.1.1 Notice periods and appeal procedures distinguish consumer users and developer users as set out in §3.4; fraud, violation of §6.1, and mandatory requests from regulators or card networks may trigger immediate termination.

9.2 Upon termination:

• You lose access to account, content, and subscriptions
• Pre-paid unused amounts may be refunded at Platform discretion (except violation-triggered termination)
• Personal data handled per Privacy Policy

9.3 You may close your account at any time via support or self-service flow.

10. Disclaimers (AS IS)

10.1 The service is provided "AS IS" and "AS AVAILABLE" with no express or implied warranties, including but not limited to:

• Merchantability, fitness for a particular purpose, non-infringement
• Uninterrupted, error-free, virus-free service; accuracy of information

10.2 AI output does not constitute professional advice (legal, medical, financial, etc.). You must independently evaluate and consult licensed professionals when needed.

10.3 The Platform does not guarantee quality, legality, or suitability of third-party developer goods/services. Disputes with developers are between you and the developer; the Platform assists within its scope of duty.

11. Limitation of Liability

11.1 To the maximum extent permitted by applicable law, the Platform is not liable for:

• Indirect, incidental, special, punitive damages
• Loss of profits, revenue, goodwill, data, business opportunity
• Third-party service interruptions (LLM providers, Stripe, Google, etc.)
• Damages caused by your violation of these Terms

11.2 The Platform's aggregate liability is capped at: the fees you paid to the Platform in the preceding 12 months; or 50 euros if no payment.

11.3 Nothing herein limits non-waivable rights under applicable law (e.g., EU consumer rights).

12. Indemnification

You agree to indemnify and hold the Platform harmless from any claim, fine, regulatory penalty, or lawsuit arising from your violation of these Terms, misuse of the Platform, or upload of illegal content (including reasonable legal costs).

13. Changes to Terms

13.1 The Platform may modify these Terms at any time. Material changes will be communicated via next-login interception + email.

13.2 You can review current and historical versions on the Settings page.

13.3 If you reject a new version, you may close your account. Continued use = acceptance.

14. Governing Law and Dispute Resolution

14.1 These Terms are governed by the laws of the Republic of Estonia, excluding conflict-of-law rules.

14.2 Any dispute arising from these Terms:

• Both parties shall first conduct 60 days of good-faith negotiation
• Failing settlement, submit to Harju Maakohus (Harju County Court, Tallinn, Estonia)
• EU consumers retain jurisdiction in their country of residence per Rome I

14.3 Class actions: where permitted, you waive class action rights and proceed individually only.

15. Miscellaneous

15.1 Severability: If any provision is held invalid, the remaining provisions remain in effect.

15.2 No Waiver: Failure to exercise a right does not constitute waiver.

15.3 Entire Agreement: These Terms, together with the Privacy Policy and Developer Agreement (where applicable), constitute the entire agreement.

15.4 Assignment: The Platform may assign these Terms in connection with a merger or acquisition. You may not assign your account or rights.

15.5 Force Majeure: War, natural disaster, cyberattack, government action, etc. — the Platform may suspend service without breach liability.

16. Contact

• Provider: ZealTop OÜ
• Registry Code: 17367911
• Registered Address: Harju maakond, Tallinn, Kesklinna linnaosa, Ahtri tn 12, 15551, Estonia
• Contact Email: www.zeal.top@gmail.com

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End of Terms