Terms of Use

1. Agreement to Terms

These Terms of Use ("Terms") constitute a legally binding agreement between you and Stojanov Ventures ("we," "us," "our"), a company registered in Germany, regarding your use of the Colloquies application and related services ("Service").

By creating an account or using Colloquies, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Service.

2. Early Access Notice

Colloquies is currently in early access. This means:

• Features may change, be added, or be removed
• You may encounter bugs or unexpected behavior
• We appreciate your patience and feedback as we improve the Service

We will remove this notice once the Service reaches general availability.

3. What Colloquies Is

Colloquies is a private reflection and conversation app designed for small circles of 2–8 people. Each week, your circle receives a meaningful question (a "Colloquy"). You answer, then discuss with your circle in a time-limited "Chapter" that closes at the end of the week. Your circle also has an always-open "Hallway" for casual conversations.

You can share text messages, images, videos, and voice messages in your circles. You can also react to messages with emoji. All messages, media, and reactions are end-to-end encrypted.

4. Eligibility

You must be at least 16 years old to use Colloquies. By creating an account, you confirm that you are at least 16 years of age.

5. Your Account

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activity that occurs under your account
• Keeping your password secure

Encryption Keys: When you create an account, a unique encryption key pair is generated on your device. Your private key is stored in your device's secure keychain. If you lose access to your device and have no recovery method, you may permanently lose the ability to decrypt your message history. We cannot recover your private key.

Notify us immediately at hello@stojanovventures.com if you suspect unauthorized access to your account.

6. Circles, Admins & Moderation

Circle Admins

When you create a circle, you become its admin. Admins can:

• Invite and remove members (up to 8 members per circle)
• Manage circle settings (name, type, categories, depth)
• Generate invite codes and QR codes
• Delete the circle

Circle Members

Members can post messages, share media, react to messages, and invite others to the circle.

Weekly Chapters

Each week, your circle receives a new conversation prompt based on your circle's categories and depth level. In weekly chapters, you must post your own response before you can see what others have written. This encourages genuine, uninfluenced reflection.

Moderation

Because messages are end-to-end encrypted, we cannot monitor or moderate content within circles. You are responsible for who you invite to your circles. Circle admins are responsible for managing their circle's membership and removing problematic members.

7. Reporting Content

If you encounter harmful content, you can report it through the app. When you submit a report, you select a report type and provide a reason. Due to end-to-end encryption, we can only see:

• The reporting user's ID
• The circle and chapter involved
• The report type and reason you provided

We cannot see the reported message content unless you include it in your report. We may take action on reported accounts, including suspension or termination, based on the information provided and our investigation.

8. Acceptable Use

You agree to use Colloquies for its intended purpose — meaningful reflection and connection with people you know and trust. You agree not to:

• Share content that is illegal, including child sexual abuse material (CSAM), terrorism content, or content that violates others' rights
• Harass, threaten, or harm other users
• Attempt to access other users' accounts, encryption keys, or private data
• Reverse engineer, decompile, or attempt to extract source code from the app
• Use the Service for spam, phishing, or unauthorized commercial purposes
• Circumvent security measures or interfere with the Service's operation
• Share your account credentials or allow others to use your account
• Violate any applicable laws or regulations

While we cannot monitor encrypted content, we reserve the right to suspend or terminate accounts based on reports, metadata patterns, or other available information indicating violations.

9. Your Content

Ownership: You retain full ownership of the content you create in Colloquies, including your messages, reflections, images, videos, voice messages, and reactions.

License to Us: By using the Service, you grant us a limited license to store your encrypted content on our servers and transmit it to your circle members. We cannot read or use this content for any other purpose — it remains encrypted and inaccessible to us.

Content After Account Deletion: Because messages are end-to-end encrypted and distributed to circle members' devices, encrypted messages you sent will remain in those circles after you delete your account. These messages will no longer be attributed to your account. This is an inherent property of end-to-end encryption — we cannot selectively recall encrypted messages from other members' devices.

Custom Prompts: If you propose a Colloquy prompt for your circle, it remains private to that circle. We do not use, copy, or distribute user-proposed prompts.

10. AI-Generated Content

Some content in the app, including weekly Colloquy prompts, may be generated or assisted by artificial intelligence. This content is created and curated by us independently of user data. We do not guarantee the accuracy, completeness, or suitability of AI-generated prompts.

11. Subscriptions & Payments

Colloquies offers free and paid subscription tiers. Paid subscriptions are processed through the Apple App Store or Google Play Store via RevenueCat.

• Subscription terms, pricing, and billing cycles are displayed in the app before purchase
• Subscriptions automatically renew unless cancelled before the renewal date
• To cancel, use the subscription management in your device's App Store or Play Store settings
• Refunds are handled by Apple or Google according to their respective policies
• You can restore previous purchases via the "Restore Purchase" option in the app

12. Right of Withdrawal (EU Consumers)

If you are a consumer in the European Union, you have the right to withdraw from a paid subscription within 14 days of purchase without giving any reason.

To exercise your right of withdrawal, you must inform us of your decision by a clear statement (e.g., by email to hello@stojanovventures.com).

Note: Subscriptions purchased through the Apple App Store or Google Play Store are subject to the withdrawal and refund policies of Apple or Google respectively. In most cases, you should request a refund directly through the store where you made the purchase.

If you have explicitly consented to the immediate provision of digital content and acknowledged that you thereby waive your right of withdrawal, the right of withdrawal may expire early in accordance with Art. 16(m) of Directive 2011/83/EU.

13. Service Availability

We strive to keep Colloquies available, but the Service is provided "as is" without guarantees of uptime or availability. We are not liable for:

• Service interruptions, downtime, or outages
• Loss of encrypted data (which we cannot access or recover)
• Bugs, errors, or unexpected behavior
• Third-party service disruptions (Apple, Google, Supabase, Firebase, etc.)

Colloquies uses an offline-first architecture. Core features continue to work without an internet connection, with data syncing when connectivity is restored.

We may modify, suspend, or discontinue features or the entire Service with 30 days' notice when reasonably possible. In the event of permanent discontinuation, we will provide an opportunity to export your data.

14. Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service
• Our total liability for any claims arising from your use of the Service is limited to the amount you paid us in the 12 months preceding the claim, or 100 EUR, whichever is greater
• We are not liable for the loss of encrypted data due to lost encryption keys, as we have no ability to decrypt or recover this data

These limitations do not apply to liability for gross negligence, intentional misconduct, or personal injury, and do not affect your statutory rights under EU or German consumer protection law.

15. Termination

By You

You can delete your account at any time through the app settings. Upon deletion:

• Your account data (profile, email, encryption keys) is immediately removed from our servers
• Your memberships in all circles are removed
• Encrypted messages you previously sent remain in circles (see "Your Content" above)
• Your subscription is cancelled (manage via App Store / Play Store)

We recommend uninstalling the app after account deletion to remove all local data from your device.

By Us

We may suspend or terminate your account if:

• You violate these Terms
• We receive credible reports of harmful behavior
• We are required to do so by law
• Your account shows patterns consistent with abuse

We will notify you of termination when possible and provide reasons unless prohibited by law.

16. Privacy

Your privacy is fundamental to Colloquies. Please review our Privacy Policy to understand how we collect, use, and protect your information.

17. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes through the app or via email at least 30 days before they take effect.

Continued use of Colloquies after changes take effect constitutes acceptance of the updated Terms. If you do not agree to the changes, you should stop using the Service and delete your account.

18. Governing Law & Disputes

These Terms are governed by the laws of the Federal Republic of Germany, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of Colloquies shall be resolved in the courts of Berlin, Germany. This does not affect your rights as a consumer to bring claims in the courts of your country of residence.

For EU consumers: You may also use the European Commission's Online Dispute Resolution platform at ec.europa.eu/consumers/odr. We are not obligated to participate in dispute resolution proceedings before a consumer arbitration board, but may choose to do so on a case-by-case basis.

19. Miscellaneous

• Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Stojanov Ventures regarding Colloquies.
• Severability: If any provision of these Terms is found unenforceable, the remaining provisions remain in effect.
• No Waiver: Our failure to enforce any provision does not constitute a waiver of that provision.
• Assignment: You may not assign your rights under these Terms without our written consent. We may assign our rights to a successor entity, provided your rights under these Terms are not diminished.

20. Contact

Questions about these Terms? Contact us:

Stojanov Ventures
Email: hello@stojanovventures.com

For full company details, see our Imprint.