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Terms of Use

Last updated: October 24, 2026

These Terms of Use (“Terms”) govern your use of the Cofy Chat application and related services. Please read them carefully. They include important terms about subscriptions billed by Apple or Google Play (Section 7), a limitation of our liability (Section 14), and how disputes are handled (Section 19).

1. Acceptance of These Terms

These Terms are a binding agreement between you and Javtesh Singh Bhullar, operating as Cofy Chat, a sole proprietorship registered in Ontario, Canada (“Cofy Chat,” “we,” “us,” or “our”), the operator of the Cofy Chat mobile application and related services (collectively, the “Service”). By creating an account, verifying your phone number, tapping “Send Code,” or otherwise accessing or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy at https://cofychat.com/privacy, which is incorporated by reference. If you do not agree, do not use the Service.

These Terms also constitute the end-user license agreement (“EULA”) for the Cofy Chat application licensed to you. The Apple-specific terms in Section 20 apply to your use of the application obtained through the Apple App Store and prevail over any conflicting term to the extent of the conflict.

Before you sign in, the app’s first screen asks you to tick a box confirming that you are 16 or older and that you agree to these Terms and our Privacy Policy, both of which are linked there. You cannot continue to phone number entry until you tick it. That tick, followed by tapping “Next”, records your acceptance, including the age affirmation described in Section 2. If you do not agree, you can close the app without creating an account.

2. Eligibility and Age Requirement (16+)

The Service is intended only for people who are 16 years of age or older. By using the Service, you represent and warrant that:

  1. you are at least 16 years old, and you confirm “I am 16 or older” before sign-in, as part of the tick box described in Section 1;

  2. you have the legal capacity to enter into these Terms (or, where required, you have the consent of a parent or legal guardian permitted under applicable law);

  3. you are not barred from using the Service under the laws of your jurisdiction; and

  4. all registration information you provide is truthful and accurate.

If we learn that a user is under 16, or under the minimum age required to consent to processing of personal data in their country, we may suspend or delete the account. The Service is not directed to children. We apply a single minimum age of 16 in all markets, and our Privacy Policy states the same. Where local law sets a higher minimum age, that higher age applies.

3. The Service; License Grant

Cofy Chat is a phone-number-based social voice-calling app that connects you with friends and mutual contacts for short voice calls. Calls are voice-only in this version (camera/video is off). You add friends through your Weekly, Bi Weekly, and Monthly lists, by checking which of your device contacts are already on Cofy Chat (see “Contacts” in Section 6), or by searching usernames in the Find tab.

Subject to your compliance with these Terms, we grant you a personal, limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download and use one copy of the Cofy Chat application on any Apple-branded product (App Store copy) or Android device (Google Play copy) that you own or control, and to access the Service, solely for your personal, non-commercial use. For App Store copies, this license is also subject to the Apple Media Services Terms and Conditions, except that the application may be accessed and used by other accounts associated with you via Family Sharing or volume purchasing where applicable. For Google Play copies, this license is also subject to the Google Play Terms of Service.

We (and our licensors) retain all right, title, and interest in and to the Service, including all software, designs, text, graphics, logos, and other content we provide (excluding your User Content). No rights are granted to you except as expressly set out in these Terms. “Cofy Chat” and our logos are our trademarks and may not be used without our prior written permission.

4. Acceptable Use; Zero Tolerance for Objectionable Content and Abusive Behavior

We operate a zero-tolerance policy toward objectionable content and abusive users. As a condition of using the Service, you agree that you will NOT, and will not attempt to or permit anyone else to, use the Service or your User Content to:

  1. post, transmit, speak, send, or share content that is unlawful, hateful, harassing, bullying, threatening, defamatory, obscene, pornographic or sexually explicit, sexualizing of minors, violent, or that incites violence or self-harm;

  2. harass, abuse, stalk, intimidate, threaten, impersonate, defraud, or invade the privacy of any person;

  3. engage in or solicit any sexual exploitation or abuse, child sexual abuse material (CSAM), grooming, or any contact with a minor for sexual or exploitative purposes (we report CSAM to the appropriate authorities, including NCMEC, as required by law);

  4. post objectifying or non-consensual content about real people (for example, “hot-or-not”-style content), make physical threats, or engage in random or anonymous-stranger sexual or “Chatroulette”-style use;

  5. infringe any intellectual property, publicity, or privacy right;

  6. transmit spam, scams, phishing, malware, or unsolicited commercial communications, or use the Service for any commercial solicitation;

  7. collect, store, or upload another person’s contacts or personal data without authorization, or use the Service to harvest data;

  8. reverse engineer, decompile, scrape, or circumvent any security or rate-limiting measure, or interfere with the integrity or performance of the Service or its third-party providers; or

  9. violate any applicable law or any third-party terms (including the Apple Media Services Terms and the Google Play Terms of Service).

There is NO TOLERANCE for objectionable content or abusive users. You acknowledge that engaging in any of the above is grounds for immediate removal of content and immediate suspension or termination of your account, without notice and at our sole discretion.

5. User-Generated Content; Reporting, Blocking, and Moderation

“User Content” means anything you create, submit, or transmit through the Service, including your profile name, username, avatar/photo, and your participation in voice calls.

License to us. You retain ownership of your User Content. You grant us a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, reproduce, transmit, display, and process your User Content solely to operate, provide, secure, moderate, and improve the Service, and as needed to comply with law. You represent that you have all rights necessary to grant this license and that your User Content does not violate Section 4.

Your safety tools. The Service provides in-app tools to (i) report objectionable content or abusive users, and (ii) block users so they can no longer contact you. We encourage you to use these tools whenever you encounter content or behavior that violates these Terms.

Our moderation commitment. We act on reports of objectionable content and abusive behavior on a best-efforts basis and as promptly as reasonably practicable, and we aim to review and act on flagged content and reports of abusive users by removing offending content and suspending or terminating the responsible user where warranted. We may, but are not obligated to, monitor, review, screen, or moderate User Content, and we may remove or restrict any User Content or account at any time at our sole discretion. We are not responsible for User Content created by other users.

Automated screening. Some safety checks are automated: profile images are screened by an automated image classifier (Google Cloud Vision SafeSearch) and display names/usernames are screened for prohibited terms; abuse signals can lead to content being hidden or an account being restricted. A human reviews reports and can review an automated action, contact hi@cofychat.com.

Reporting and appeals. To report content or a user, use the in-app report/block tools, or contact us at hi@cofychat.com. If we act against your content or account, you can ask us to review the decision (including any automated action) as described in Sections 16 and 18.

6. Accounts and Phone-Number Identity

Registration. Accounts are created and verified using your mobile phone number via one-time passcode (OTP). You agree to provide accurate information, including a profile name, username, and (optionally) an avatar, and to keep it current. Your username and profile are visible to other users, including through username search in the Find tab; do not include personal or sensitive information you do not wish others to see.

Your responsibility. You are responsible for all activity that occurs under your account and for maintaining control of the phone number and device associated with it. Notify us promptly at hi@cofychat.com if you believe your account or phone number has been compromised. You may not share, sell, or transfer your account, and you may not create an account using another person’s phone number or identity.

Contacts. To show you which of your contacts are already on Cofy Chat, the app sends your contacts’ phone numbers to our server to check them against Cofy Chat accounts. We use the numbers only to perform that match and return your results, we do not log or store them on our servers, and numbers that don’t match a Cofy Chat account are discarded. Your matches are cached on your device so the app doesn’t re-check every time. Contacts permission is requested only when you use this feature, and you can turn it off in device Settings.

Permissions. To function, the app requests microphone access (so you can make and receive voice calls) and, optionally, notifications (so you are alerted to calls and friend activity). These permissions are primed and requested in the app after onboarding. On Android, the app may also ask for nearby devices (to use a Bluetooth headset in a call), and it shows an incoming call on the lock screen. You can change permissions at any time in your device Settings; declining microphone access will prevent voice calls.

7. Subscriptions, Auto-Renewal, and Billing (Apple In-App Purchase and Google Play Billing)

Paid plans. Some features of the Service are offered through auto-renewing subscriptions sold as Apple in-app purchases or Google Play subscriptions and managed for us by RevenueCat. Plans are offered as six subscription tiers, each available on a monthly or yearly billing period. The subscription title, length (billing period), price, and price per unit (where applicable) are shown to you in the app and on the App Store or Google Play purchase screen before you buy. By subscribing, you give your express affirmative consent to the subscription’s automatic-renewal terms.

Automatic renewal. Your subscription automatically renews at the then-current price for the same period unless you cancel it, for App Store purchases at least 24 hours before the end of the current period, and for Google Play purchases before the end of the current period. For App Store purchases, your Apple ID account is charged for renewal within 24 hours prior to the end of the current period. For Google Play purchases, your Google Play payment method is charged at the start of each new billing period.

Credits and rollover. Subscriptions and purchases provide call credits and quotas that are consumed as you use the Service. Credits carry over between billing periods: they do not expire at the end of a period, and unused credits are not forfeited. On each renewal, and on each monthly anniversary within the term if you are on a yearly plan, we top your balance up to your plan’s monthly allowance; if your balance is already above that allowance, for example from bonus or promotional credits, you keep the higher balance. Your credit balance is capped at 1,200 credits, and we do not add credits above that cap. Credits are further governed by Section 8.

Managing and cancelling. Because subscriptions are billed through your Apple ID or your Google Play account, you manage and cancel them in the store you bought from, not within Cofy Chat: for App Store purchases, in your device Settings (Settings > your name > Subscriptions) or via the App Store; for Google Play purchases, in the Google Play Store app (profile icon > Payments & subscriptions > Subscriptions) or at https://play.google.com/store/account/subscriptions. Deleting the app or your Cofy Chat account does not cancel an active subscription; you must cancel through Apple or Google Play. Cancellation takes effect at the end of the current billing period.

Refunds. All purchases are processed by Apple (App Store) or Google (Google Play). We do not process payments. For App Store purchases, we cannot issue refunds directly: refund requests are handled by Apple under Apple’s policies; you may request a refund at https://reportaproblem.apple.com. For Google Play purchases, you may request a refund through Google Play under Google Play’s refund policies (https://support.google.com/googleplay/answer/2479637), or contact us at hi@cofychat.com and we will review your request. Except where required by law, subscription fees are non-refundable and there are no refunds or credits for partial periods.

Free trials. Where a free trial is offered, any unused portion is forfeited when you purchase a subscription, where applicable. Trial terms are disclosed at sign-up.

Price changes. If we change subscription prices, the new price will not apply to you until your next renewal, and you will be notified and given the opportunity to cancel as required by Apple or Google Play and applicable law.

Auto-renewal disclosures. Subscriptions are sold exclusively through Apple’s in-app purchase system and Google Play’s billing system. Apple’s purchase sheet and Google Play’s purchase screen each present the subscription title, price, billing period, and automatic-renewal terms clearly and conspicuously, obtain your affirmative consent before the purchase is completed, and provide on-screen confirmation; you may cancel at any time through your Apple ID (Settings > your name > Subscriptions) or your Google Play account (Google Play Store app > profile icon > Payments & subscriptions > Subscriptions). Because Apple or Google controls the billing, renewal, and cancellation flow for purchases made in its store, that flow is the operative mechanism for these disclosures and is intended to be consistent with applicable U.S. federal and state automatic-renewal and consumer-protection laws, including the federal Restore Online Shoppers’ Confidence Act, Section 5 of the FTC Act, and the California Automatic Renewal Law.

8. Credits, Promo Codes, and Rewards

Cofy Chat may give you call credits, promotional codes, bonus credits, or other rewards (together, “Credits”). Credits are a limited license to access features of the Service; they are not money, have no cash value, and are not your property. Credits are non-transferable, and cannot be sold, combined across accounts, exchanged for cash, or redeemed except within the Service. As described in Section 7, Credits carry over between periods and are not forfeited at the end of a period, but your balance is capped at 1,200 credits and we do not add credits above that cap.

We may issue, limit, expire, change, or revoke Credits, promo codes, and rewards at any time, including where we reasonably believe they were obtained through fraud, abuse, multiple or fake accounts, automation, or any violation of these Terms. Promo codes are valid only as described where they are offered and may be single-use, time-limited, region-limited, or subject to other eligibility rules.

If a feature lets you earn Credits or rewards by sharing or referring others (for example, sharing a status card or an invite link), you must clearly and honestly disclose that you received or expect to receive a reward or incentive for the share, as required by applicable advertising and endorsement rules, and you must not make false or misleading claims about Cofy Chat.

9. Fair Play in Games

The Service may include in-call mini-games. You agree to play fairly and not to cheat, exploit bugs, use automation, bots, or third-party tools, manipulate results, or interfere with another player’s experience. In-game state is part of a live, real-time session for entertainment only; it is not a saved record, is not guaranteed to be stored or recoverable, and may be reset, changed, or lost at any time. Game outcomes have no monetary value. We may end, disable, or change any game at any time, and may restrict accounts that abuse this feature.

10. Call Recording

Cofy Chat does not record the audio of your calls, and call audio is not stored on our servers. You are responsible for your own conduct on a call. You must not record, capture, or transmit another person’s call, voice, or image without the consent of everyone on the call where such consent is required by law, some places require the consent of all parties before a call may be recorded. Recording or sharing another person without required consent may be unlawful, violates these Terms, and may result in suspension or termination.

11. Third-Party Services

The Service relies on third-party providers, and your use of the Service is also subject to their applicable terms. These providers are:

  • Google LLC (Firebase): account verification, database, file storage, push delivery, app integrity (App Check), crash and diagnostic reporting (Firebase Crashlytics, with an opt-out in Settings), and product-analytics events (Google Analytics for Firebase, consent-gated). United States.

  • Stream.io, Inc. (GetStream): real-time voice-call transmission and calling identity/tokens. United States.

  • Google LLC (Google Cloud Vision): automated screening of profile images (SafeSearch). United States.

  • RevenueCat, Inc.: subscription status and entitlements. United States.

  • PostHog, Inc.: product-analytics events, consent-gated. United States.

  • Apple Inc.: in-app purchase processing and push delivery. United States.

  • Google LLC (Google Play): in-app purchase processing for the Android app. United States.

  • Wix.com Ltd.: hosts the cofychat.com marketing site and the “early access” email form.

You agree to comply with all applicable third-party terms when using the Service, including the Apple Media Services Terms and Conditions and the Google Play Terms of Service.

Analytics and no advertising use. Any product analytics we collect is handled only through PostHog and Google Analytics for Firebase, to understand and improve the Service. You can turn analytics off at any time in Settings; in the EU, EEA, UK, and Switzerland it is off unless you turn it on. We do not use this data for advertising, ad personalization, or cross-app tracking, and we do not sell it for those purposes. See our Privacy Policy for the legal basis that applies in your region.

We are not responsible for the acts, omissions, content, or terms of third parties, and links to or integrations with third-party services do not constitute our endorsement of them.

12. Privacy

Our collection and use of personal data is described in our Privacy Policy at https://cofychat.com/privacy, which forms part of these Terms. By using the Service you acknowledge the data practices described there, including that, when you use contact discovery, your contacts’ phone numbers are sent to our server only to check which of your contacts are on Cofy Chat and are not stored there, and that subscriptions are processed by Apple or Google Play.

13. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

We do not control and are not responsible for the conduct of other users or for User Content. You interact with other users at your own risk. The Service is not intended for emergency communications and cannot be used to contact emergency services (such as 911, 112, or 999); do not rely on it in an emergency. Some jurisdictions do not allow the exclusion of certain warranties or implied consumer guarantees, so some of the above exclusions may not apply to you; nothing in these Terms excludes any warranty or guarantee that cannot be excluded under applicable law (including the non-waivable consumer guarantees of your place of residence).

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL COFY CHAT, OR ANY AFFILIATES, AGENTS, OR SERVICE PROVIDERS, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US (OR PAID THROUGH APPLE OR GOOGLE PLAY FOR THE SERVICE) IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) US$100.

SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including non-waivable consumer-protection rights and liability for fraud, gross negligence, or willful misconduct.

15. Indemnification

To the maximum extent permitted by law, you agree to indemnify, defend, and hold harmless Cofy Chat and any affiliates, agents, and service providers from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your User Content; (b) your use or misuse of the Service; (c) your violation of these Terms or of any applicable law or third-party right; or (d) your violation of the acceptable-use rules in Section 4. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification, in which case you agree to cooperate with us.

16. Suspension and Termination

You may stop using the Service and delete your account at any time in the app (Settings → Account & Support → Account → Delete Account). Deleting your account deactivates it immediately and, if you do not log back in within 30 days, permanently deletes it, except for a limited set of records we must keep for legal, safety, tax, or fraud-prevention reasons, or that already exist in other users’ accounts; our Privacy Policy explains what is deleted and what is retained. Deleting your account does not cancel an active Apple or Google Play subscription (see Section 7); cancel an Apple subscription in device Settings > your name > Subscriptions, and a Google Play subscription in the Google Play Store app > profile icon > Payments & subscriptions > Subscriptions.

We may suspend, restrict, or terminate your access to the Service or any account, remove or disable any User Content, and take any other action, at any time and without prior notice, if we reasonably believe you have violated these Terms (including Section 4), to protect the safety or rights of users or third parties, to comply with law, or as otherwise reasonably necessary to operate the Service. Egregious or repeated violations will result in immediate termination. If we take such action against you, you may ask us to review it, including any automated decision, as described in Section 18; contact hi@cofychat.com.

Upon termination, the licenses granted to you end, and any provisions that by their nature should survive (including Sections 3, 4 to 5 (as to prior conduct), 8, 13, 14, 15, 18, 19, 20, and 21) survive. We may retain and disclose information as described in the Privacy Policy and as required by law.

17. Changes to the Service and to These Terms

We may modify, suspend, or discontinue any part of the Service at any time. We may also update these Terms from time to time. If we make material changes, we will provide reasonable notice (for example, by in-app notice or by updating the “Last updated” date above) before the changes take effect. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service. For material changes to subscription pricing or auto-renewal terms, we will provide any advance notice and consent required by Apple or Google Play and applicable law (see Section 7).

18. Digital Services Act and EU/UK Consumer Terms

This Section applies to users in the European Union, the European Economic Area, and the United Kingdom, and provides additional rights and information required there. It does not reduce your rights under the rest of these Terms or under mandatory local law.

Reporting illegal content (notice and action). If you believe content or activity on Cofy Chat is illegal, you can notify us at hi@cofychat.com with enough detail to locate and assess it, what the content is, where it appears, the reasons you believe it is illegal, and how to contact you. We will handle notices in a timely, diligent, non-arbitrary, and objective manner and will inform you of our decision.

Statement of reasons and appeal. If we remove your content, restrict its visibility, suspend or terminate your account, or otherwise act against you for a content or conduct reason, we will, where required, give you a statement of the reasons for our decision. You may appeal the decision, or ask a human to review an automated one, by contacting hi@cofychat.com. Nothing here limits your right to use an out-of-court dispute-settlement body or to bring proceedings before a court under applicable EU or UK law.

Your privacy rights. Your privacy rights (including your right to complain to a supervisory authority such as your EU data-protection authority, the UK Information Commissioner’s Office, the Quebec Commission d’accès à l’information, or the Office of the Privacy Commissioner of Canada) and the safeguards for international transfers of your data to the United States are described in our Privacy Policy. To contact us about any of this, email hi@cofychat.com.

Right of withdrawal (EU/EEA consumers). Where you have a statutory 14-day right to withdraw from a purchase, that right is exercised through Apple, which is the seller of an App Store subscription (see https://reportaproblem.apple.com), or through Google Play, where Google Commerce Limited is the seller of a Google Play subscription (see https://support.google.com/googleplay/answer/7659581). If you ask for the subscription to begin immediately, you may lose the right of withdrawal for services already supplied, to the extent permitted by law.

19. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-laws rules, except to the extent the mandatory consumer-protection laws of your place of residence apply.

Subject to the paragraph below, you and we agree to the exclusive jurisdiction and venue of the courts located in the Province of Ontario, Canada, and consent to personal jurisdiction there, for any dispute arising out of or relating to these Terms or the Service. We have chosen courts (not arbitration) to keep dispute resolution simple and accessible.

Nothing in this Section deprives you of the protection of the mandatory consumer-protection laws, or of the right to bring proceedings in the courts, of your country or province of residence where those rights cannot be waived, this includes, for example, consumers in the European Union, the United Kingdom, and certain Canadian provinces (such as Ontario and Quebec) whose consumer-protection statutes may govern. The Apple-specific terms in Section 20, including Apple’s third-party-beneficiary right, operate independently of this Section.

20. Apple-Specific Terms (EULA Minimum Terms)

This Section applies to the Cofy Chat application you obtained through the Apple App Store (the “Licensed Application”) and incorporates Apple’s required minimum EULA terms. To the extent of any conflict, this Section governs the Apple-related aspects of your use.

  1. Acknowledgement. These Terms are concluded between you and Cofy Chat only, and not with Apple Inc. (“Apple”). We, not Apple, are solely responsible for the Licensed Application and its content. These Terms may not provide for usage rules for the Licensed Application that conflict with the Apple Media Services Terms and Conditions.

  2. Scope of License. The license granted to you in Section 3 is limited to a non-transferable license to use the Licensed Application on any Apple-branded product that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms (subject to permitted Family Sharing and volume purchasing).

  3. Maintenance and Support. We are solely responsible for providing any maintenance and support services for the Licensed Application, as required by applicable law. You and we acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services for the Licensed Application. Contact us for support at hi@cofychat.com.

  4. Warranty. We are solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed in these Terms. In the event of any failure of the Licensed Application to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the Licensed Application to you; to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the Licensed Application, and any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty will be our sole responsibility.

  5. Product Claims. We, not Apple, are responsible for addressing any claims by you or any third party relating to the Licensed Application or your possession and/or use of it, including: (i) product liability claims; (ii) any claim that the Licensed Application fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection, privacy, or similar legislation.

  6. Intellectual Property Rights. In the event of any third-party claim that the Licensed Application or your possession and use of it infringes that third party’s intellectual property rights, we, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such claim.

  7. Legal Compliance. You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.

  8. Developer Name and Address. The developer of the Licensed Application is Javtesh Singh Bhullar, operating as Cofy Chat, 63-7115 Rexwood Rd, Mississauga, Ontario L4T 4L4, Canada. Any questions, complaints, or claims regarding the Licensed Application should be directed to hi@cofychat.com.

  9. Third-Party Terms. You must comply with applicable third-party terms of agreement when using the Licensed Application (for example, the terms of your wireless data-service provider and the third-party services listed in Section 11).

  10. Third-Party Beneficiary. You and we acknowledge and agree that Apple, and Apple’s subsidiaries, are third-party beneficiaries of these Terms, and that, upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

21. General

These Terms (with the Privacy Policy and any in-app disclosures) are the entire agreement between you and us regarding the Service and supersede prior agreements. If any provision is held unenforceable, the remaining provisions remain in effect, and the unenforceable provision will be modified to the minimum extent necessary. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. Headings are for convenience only.

22. Contact

Questions, complaints, or notices regarding these Terms or the Service:

Cofy Chat is operated as a sole proprietorship registered in Ontario, Canada. Postal address: 63-7115 Rexwood Rd, Mississauga, Ontario L4T 4L4, Canada. Contact: hi@cofychat.com.

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