Terms of Use

Agreement to Terms

These Terms of Use ("Terms") constitute a legally binding agreement between you and Stojanov Ventures ("we," "us," "our") 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.

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.

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.

All messages and shared media are end-to-end encrypted. We cannot read or access the content of your conversations.

Eligibility

You must be at least 16 years old to use Colloquies. By using the Service, you represent that you are at least 16 years of age.

If you are using Colloquies on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

Your Account

You are responsible for:

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

Important: Your password is used to encrypt your private encryption key. If you lose your password and have no recovery method, you will permanently lose access to your encrypted messages. We cannot recover this data for you.

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

Circles, Admins & Moderation

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

• Invite and remove members
• Manage circle settings
• Delete the circle

Admin Responsibility: If you delete your account while you are a circle admin, that circle will be permanently deleted for all members.

Moderation: Because messages are end-to-end encrypted, we cannot 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.

Reporting Content

If you encounter harmful content, you can report it through the app. When you submit a report, you may optionally include the unencrypted message content. Without this, we can only see:

• The reporting user's ID
• The circle and chapter involved
• The reason for the report

We may take action on reported accounts, including suspension or termination, based on the information you provide and our investigation.

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 commercial purposes without permission
• Circumvent security measures or interfere with the Service's operation
• 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.

Your Content

Ownership: You retain full ownership of the content you create in Colloquies, including your messages, reflections, and shared media.

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.

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

AI-Generated Content

Some content in the app, including weekly Colloquy prompts and other materials, may be generated or assisted by artificial intelligence. This content is created and curated by us independently of user data.

Subscriptions & Payments

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

• 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 App Store or Play Store settings
• Refunds are handled by Apple or Google according to their respective policies

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
• Data loss (though encrypted content cannot be accessed by us anyway)
• Bugs, errors, or unexpected behavior
• Third-party service disruptions (Apple, Google, Supabase, etc.)

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.

Limitation of Liability

To the maximum extent permitted by law:

• Colloquies and Stojanov Ventures are not liable for any indirect, incidental, special, consequential, or punitive damages
• 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, whichever is greater

These limitations do not affect your statutory rights under EU consumer protection law.

Termination

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

• Your account data is immediately removed from our servers
• If you are a circle admin, your circles are deleted
• Encrypted content associated with your account is removed

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.

Privacy

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

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.

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 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.

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. We may assign our rights to a successor in interest.

Contact

Questions about these Terms? Contact us:

Stojanov Ventures
Email: hello@stojanovventures.com

For full company details, see our Imprint.