Privacy & TermsXcojo Terms of Service
The rules for using Xcojo, what you can expect from us and what we expect from you.
Who we are
These terms are an agreement between you and Xcojo. They apply to all Xcojo products. Some products have additional terms (for example Payments & XCJ, AI, Advertising and Developer terms) which form part of this agreement for those products.
Your Xcojo Account
You need an Xcojo Account for most products. Give accurate information, keep your password or passkey secure, and tell us about unauthorised use. You must meet the minimum age in your country, or use a supervised account set up by your parent or guardian. Business accounts must be created by someone with authority to bind the business.
Using our services
Follow these terms, product-specific terms and our Community Guidelines. Don’t misuse the services: no interfering with them, accessing them by methods other than our interfaces and APIs, scraping, reverse-engineering where prohibited by law, sending spam or malware, impersonating others, infringing rights, or using Xcojo for illegal activity. Some products require you to be in certain countries or to verify your identity.
Your content
You keep ownership of the content you create. To run our services, you give Xcojo a worldwide, non-exclusive, royalty-free licence to host, store, reproduce, adapt (for example, translate or resize), display and distribute your content, only to operate, improve and promote our services and as you choose to share it. This licence ends when you delete your content, except for copies others have shared or that we must keep for legal reasons. Make sure you have the rights to what you upload.
Xcojo content and software
Xcojo’s services, software, brands and content belong to Xcojo or its licensors. We give you a personal, non-transferable licence to use the software we provide as part of the services. Don’t use our brands without permission (see brand guidelines).
Paid features, XCJ and payments
Some features cost money or XCJ. Prices are shown before you buy. Subscriptions renew until you cancel. Payments, XCJ and Dedun are governed by the Payments & XCJ terms. Where consumer law gives you rights to refunds or cancellation, those rights apply.
AI features
AI output can be inaccurate or incomplete. Check important information and don’t rely on AI for medical, legal, financial or other professional advice. You are responsible for how you use output. See the AI terms.
Third-party services and content
Some content and services come from others — news publishers, eBay listings in Beher, Bybit when you connect it in Stocrib, films on JoinStream, map data from OpenStreetMap. Their terms apply to them and they are responsible for them.
Moderation and enforcement
We use automated systems and people to detect and review content and activity that may break the rules. We may remove content, limit features, or suspend or close accounts that violate these terms, the law or our policies, and we’ll tell you why and how to appeal unless the law or safety prevents it. You can appeal from the notice or through the Safety Center.
Changes to services and terms
We continually improve our services and may add, change or remove features. If a change materially affects you, we’ll tell you in advance where reasonably possible and, if we discontinue a service, give you time to export your content. We may update these terms; significant changes take effect no sooner than 30 days after notice, except for legal or urgent safety reasons.
Warranties and liability
We provide our services with reasonable skill and care, but they are provided “as is” to the extent the law allows. Nothing in these terms limits liability that cannot be limited by law (such as for fraud, gross negligence, or death or personal injury caused by negligence) or your statutory consumer rights. Otherwise, Xcojo is not liable for indirect or consequential losses, and our total liability for any claim relating to the services is limited to the greater of the amount you paid us in the 12 months before the claim or the equivalent of 100 USD.
Disputes and governing law
These terms are governed by the laws of the country where the Xcojo company that provides the service to you is established, without prejudice to mandatory consumer-protection laws of your country of residence, and you can bring claims in the courts of your country where the law allows. Please contact us first at legal@xcojo.com — most issues can be resolved quickly.
Ending this agreement
You can stop using Xcojo and delete your account at any time. We may end your access as described above. Terms that by their nature should survive (such as content licences for shared content, liability limits and dispute terms) continue after the agreement ends.