Terms of Service

1. Acceptance of Terms

By accessing and using MemCog ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

These Terms of Service ("Terms") govern your use of our flashcard application and related services operated by MemCog ("we," "us," or "our").

2. Description of Service

MemCog is a flashcard application that provides:

• Digital flashcard creation and management
• AI-powered flashcard generation
• Study progress tracking and analytics
• Text-to-speech functionality for audio learning
• Collaborative deck sharing and management
• Subscription-based premium features

3. User Accounts

3.1 Account Creation

To use certain features of our Service, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your account information
• Keep your password secure and confidential
• Accept responsibility for all activities under your account

3.2 Account Security

You are responsible for safeguarding your account credentials and for any activities or actions under your account. Notify us immediately of any unauthorized use of your account.

4. Acceptable Use

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Infringe upon intellectual property rights
• Harass, abuse, or harm others
• Upload malicious code or attempt to gain unauthorized access
• Interfere with the Service's operation or other users
• Create content that is offensive, inappropriate, or violates community guidelines
• Attempt to reverse engineer or copy the Service

5. User Content

5.1 Content Ownership

You retain ownership of the content you create and upload to our Service. By uploading content, you grant us a worldwide, non-exclusive, royalty-free license to use, store, and display your content in connection with providing the Service.

5.2 Content Responsibility

You are solely responsible for the content you create and share. We do not review or endorse user-generated content and reserve the right to remove content that violates these Terms.

5.3 Prohibited Content

Content that is illegal, harmful, threatening, abusive, defamatory, or otherwise objectionable is prohibited and may result in account termination.

6. Subscription and Payment

6.1 Subscription Plans

We offer various subscription plans with different features and pricing. Subscription details, including pricing and features, are available on our pricing page.

6.2 Payment Processing

Payments are processed securely through Stripe. By subscribing, you authorize us to charge your payment method for the applicable subscription fees.

6.3 Billing and Renewal

Subscriptions automatically renew unless cancelled before the renewal date. You may cancel your subscription at any time through your account settings.

6.4 Refunds

Refund policies are determined by your subscription plan and applicable laws. Contact our support team for refund requests.

7. Intellectual Property

7.1 Service Ownership

The Service and its original content, features, and functionality are owned by MemCog and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

7.2 Third-Party Content

Our Service may contain content from third parties, including AI-generated content. Such content is subject to the respective third-party licenses and terms.

8. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

By using our Service, you consent to the collection and use of information as outlined in our Privacy Policy.

9. Service Availability

We strive to provide reliable and uninterrupted service, but we do not guarantee that the Service will be available at all times. The Service may be temporarily unavailable due to:

• Scheduled maintenance and updates
• Technical difficulties or system failures
• Force majeure events beyond our control
• Third-party service disruptions

10. Disclaimers and Limitations

10.1 Service Disclaimer

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

10.2 Limitation of Liability

IN NO EVENT SHALL MEMCOG BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

11. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the Service will cease immediately. If you wish to terminate your account, you may simply discontinue using the Service.

12. Governing Law

These Terms shall be interpreted and governed by the laws of [Your Jurisdiction], without regard to its conflict of law provisions. Any disputes arising from these Terms or the Service shall be resolved in the courts of [Your Jurisdiction].

13. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect. Your continued use of the Service after such changes constitutes acceptance of the new Terms.

14. Contact Information

If you have any questions about these Terms of Service, please contact us: