Tokor Terms of Service

> Translation notice: This English text is a non-binding translation of the Chinese version. In the event of any discrepancy or ambiguity, the Chinese version controls.

Version: 2026-10-20
Effective Date: October 20, 2026
Provider: ZealTop OÜ ("Platform", "we", "us")

---

1. Definitions

2. Acceptance

2.1 By registering or signing in to Tokor, you acknowledge that you have read, understood, and agreed to the entire Terms. If you do not agree, do not use the service.

2.2 You must be at least 18 years old and have legal capacity to contract under your jurisdiction. The service is not intended for anyone under 18.

2.3 The Platform may modify these Terms in response to legal, regulatory, or operational changes. Material changes will be communicated via login interception or email. Continued use constitutes acceptance.

3. Account and Security

3.1 You may register via email (with a one-time verification code) or third-party OAuth (e.g., Google). Account creation is implicit upon first login; there is no separate sign-up flow.

3.2 You are responsible for all activity on your account. Keep credentials secure; do not share, sell, or transfer your account.

3.3 If you suspect unauthorized access, contact support immediately.

3.4 The Platform may suspend or terminate accounts for security, legal, or violation reasons. Notice and appeal procedures depend on user type:

• Individual consumer users (using the Platform solely as buyers): termination may take immediate effect; the Platform will notify you of the main reason by email, and you may file an appeal via the support email within 14 calendar days after termination
• Developer users (who have accepted the Developer Agreement or have listed products): pursuant to EU Regulation 2019/1150 (Platform-to-Business Regulation), Article 4, the Platform will provide at least 30 days' prior written notice stating the factual grounds and appeal instructions; you may appeal during the notice period
• Immediate-termination exceptions (applicable to both consumers and developers): fraud, violation of the prohibited list in §6.1, mandatory requests from Stripe / Visa / Mastercard, judicial or regulatory orders, or material safety risks to other users or the Platform — in these cases termination takes effect immediately and the Platform will state the reasons in writing afterwards

4. Service Description

4.1 The Platform is a digital goods/services marketplace, providing primarily:

• AI assistant subscriptions
• Third-party developer digital goods/services for purchase
• Community interactions (comments, reports, appeals)

4.2 The Platform is the seller of record (Merchant of Record, MoR) for every purchase on Tokor: it issues the invoice and is responsible for calculating, collecting and remitting VAT / GST and other consumption taxes. Purchases of Developer goods are settled through Stripe Connect destination charges: the Platform collects the payment and passes the Developer's share to the Developer as set out in the Developer Agreement. Consumption tax is handled as follows:

• Tax is calculated automatically by Stripe Tax at checkout, based on your location and the tax registrations the Platform holds at that time
• Current status: ZealTop OÜ has not yet registered for VAT / GST in any jurisdiction (its sales are below the applicable registration thresholds), so no consumption tax is currently added to purchases
• Once the Platform registers in a jurisdiction (for example under the EU One-Stop Shop), the applicable tax is added for buyers in that jurisdiction from the effective date of the registration
• Developers are responsible for reporting their own income in their tax residence

The tax actually charged is what the checkout page and invoice show for your order.

4.3 The Platform does not sell physical goods and does not provide shipping or fulfillment services for tangible items.

5. User Rights

5.1 Subject to these Terms, you may:

• Browse public content
• Register, subscribe to AI assistants, and purchase digital goods
• Upload Content compliant with these Terms
• Cancel subscriptions and request refunds (per §8.3)
• Close your account
• Exercise GDPR data subject rights (see Privacy Policy)

5.2 You may withdraw from these Terms at any time by ceasing use and closing your account.

6. User Obligations and Prohibited Conduct

6.1 You agree NOT to:

• Upload or sell content that violates the laws of your jurisdiction or those of the Platform's jurisdiction (Estonia, EU)
• List or purchase physical goods (Platform is digital-goods only)
• List any of the prohibited categories (per the Platform's moderation blacklist):
  • Third-party platform account resale / shared memberships / account rentals
  • SMS verification / interception services
  • Academic essay writing / exam answering services
  • Deepfake services / unauthorized celebrity impersonation
  • Pirated software / cracked license keys
  • VPN, proxy or other network-circumvention services
  • NSFW / adult content / content involving minors
• Infringe third-party intellectual property, trademarks, patents, image rights, reputation
• Upload false, fraudulent, or misleading information
• Disrupt Platform operations (DDoS, scraping, exploit abuse, etc.)
• Misuse AI services to generate illegal content
• Use the Platform for money laundering, fraud, or sanction circumvention

6.2 AI-generated content must comply with EU AI Act (effective 2026):

• High-risk uses (legal/medical/financial advice) must include disclaimers
• The Platform reserves the right to add AI labels/watermarks as required by regulation

6.3 Violation triggers immediate action:

• Content takedown
• Account ban (reaching the cumulative violation threshold triggers an automatic ban)
• Withholding of pending payouts
• Referral to authorities when legally required

7. Content and Intellectual Property

7.1 You retain copyright to content you upload.

7.2 By uploading, you grant the Platform a worldwide, royalty-free, non-exclusive, sublicensable license to:

• Display, distribute, reproduce, adapt your content within Tokor service
• Use for service operations, compliance review, backups, and archiving
• Use for Platform promotion (necessary screenshots, etc.; not unrelated advertising)

7.3 This license survives account termination for already-distributed copies (technically irreversible) but the Platform will cease active use within reasonable bounds.

7.4 You warrant lawful rights to all uploaded content. Infringement liability is yours.

7.5 The Platform's name (Tokor), logo, UI design, source code, and other IP are owned by ZealTop OÜ.

8. Payment and Subscription

8.1 Payments are processed by Stripe; you are additionally bound by Stripe's user agreement.

8.2 Subscription products (e.g., monthly AI assistant) auto-renew until cancelled.

8.3 Refund Policy

This §8.3 is the Platform's complete refund policy; the Refund Policy page on our website is a summary of it. There is no refund button in the app: to request a refund, email the address in §16 with your order details. Approved refunds are returned to the original payment method.

The Platform applies product-type-specific refund rules. EU consumers additionally enjoy statutory rights under the EU Consumer Rights Directive (Directive 2011/83/EU); the Platform honors these rights as set out below.

8.3.1 Subscriptions (AI Assistant Subscriptions and Platform Membership)

• Default mechanism: you may cancel at any time via "Cancel Subscription"; cancellation takes effect at the end of the current billing cycle, and amounts already charged are generally non-refundable
• EU consumer special right: within 14 days of the first order of a subscription, even if you have already begun using the service, you may invoke your EU CRD statutory right via the email in §16 to request a full no-reason refund; customer service will process within 14 calendar days
• Platform Membership is sold directly by ZealTop OÜ; no Developer is involved

8.3.2 One-Time Token Add-On Packs (ADDON)

• Default mechanism: tokens are credited to your account balance immediately upon purchase. Because this is business-irreversible, refunds are not supported by default
• EU consumer special right: within 14 days of order placement you may invoke your EU CRD statutory right via the email in §16. The Platform will verify whether your remaining unconsumed token balance is sufficient to cover the original purchase quantity:
  • Sufficient balance: the Platform reclaims the corresponding tokens and issues a full refund
  • Partially consumed: a partial refund proportional to unconsumed tokens
  • Insufficient balance to reclaim: the Platform reserves the right to refuse the refund (invoking the digital-content performance exception under Article 16(m) of the EU CRD)
• The above also applies to packs bought through automatic top-up
• If the pack was no longer on sale when your payment completed, the tokens are not credited and the payment is refunded in full automatically

8.3.3 Tips

• A tip is a voluntary payment to a Developer for which nothing is delivered. It is complete at the time of payment and is non-refundable, including if the assistant is later taken down or the Developer's account is closed
• Exceptions: unauthorized or fraudulent payments, duplicate charges caused by a Platform fault, and other cases where the law requires a refund

8.3.4 Promotional Placements (Ad-Slot Auctions)

• Placing a bid puts an authorization hold on your card; if the bid does not win, the hold is released and nothing is charged
• A winning bid is charged at the clearing price after the auction closes. Promotional placements are business services bought to promote your listings, which are outside the consumer protection scope of the EU CRD; once charged, they are non-refundable

8.3.5 Other Refund Scenarios (All Types)

• If an AI assistant you subscribe to is taken down — removed at once by its Developer, removed by the Platform, or removed because the Developer's account is banned or closed — the Platform automatically refunds the unused part of the current billing period pro rata; you do not need to request it
• If the Developer instead schedules the assistant's removal, or stops offering it to you (for example by narrowing who can access it), your subscription remains usable until the end of the current billing period, is not renewed, and is not refunded
• Platform fault, material service defects, or fraud — refunds may be requested for any product type
• Within the window allowed by card-network rules (typically 60-180 days, per issuing bank), you may initiate a chargeback through your issuing bank; the Platform will cooperate with the investigation

8.3.6 Who Bears the Refund Cost

For goods sold by a Developer, the Developer's share of a refund is reversed from the Developer and the Platform commission on that order is not returned, as set out in the Developer Agreement; the Platform carries out the refund. Mandatory refunds under the EU CRD are likewise borne by the Developer and may not be refused by the Developer. Refunds of Platform Membership are borne by the Platform.

8.4 Prices, exchange rates, taxes are calculated automatically; the actual charge at checkout governs.

9. Suspension and Termination

9.1 The Platform may suspend or terminate your account for:

• Violation of any provision herein
• Legal/regulatory/judicial requirements
• Stripe/Visa/Mastercard network rule requirements
• Long-term inactivity (≥ 12 consecutive months)
• Platform business adjustment / service shutdown

9.1.1 Notice periods and appeal procedures distinguish consumer users and developer users as set out in §3.4; fraud, violation of §6.1, and mandatory requests from regulators or card networks may trigger immediate termination.

9.2 Upon termination:

• You lose access to account, content, and subscriptions
• Pre-paid unused amounts may be refunded at Platform discretion (except violation-triggered termination)
• Personal data handled per Privacy Policy

9.3 You may close your account at any time via support or self-service flow.

10. Disclaimers (AS IS)

10.1 The service is provided "AS IS" and "AS AVAILABLE" with no express or implied warranties, including but not limited to:

• Merchantability, fitness for a particular purpose, non-infringement
• Uninterrupted, error-free, virus-free service; accuracy of information

10.2 AI output does not constitute professional advice (legal, medical, financial, etc.). You must independently evaluate and consult licensed professionals when needed.

10.3 The Platform does not guarantee quality, legality, or suitability of third-party developer goods/services. Disputes with developers are between you and the developer; the Platform assists within its scope of duty.

11. Limitation of Liability

11.1 To the maximum extent permitted by applicable law, the Platform is not liable for:

• Indirect, incidental, special, punitive damages
• Loss of profits, revenue, goodwill, data, business opportunity
• Third-party service interruptions (LLM providers, Stripe, Google, etc.)
• Damages caused by your violation of these Terms

11.2 The Platform's aggregate liability is capped at: the fees you paid to the Platform in the preceding 12 months; or 50 euros if no payment.

11.3 Nothing herein limits non-waivable rights under applicable law (e.g., EU consumer rights).

12. Indemnification

You agree to indemnify and hold the Platform harmless from any claim, fine, regulatory penalty, or lawsuit arising from your violation of these Terms, misuse of the Platform, or upload of illegal content (including reasonable legal costs).

13. Changes to Terms

13.1 The Platform may modify these Terms at any time. Material changes will be communicated via next-login interception + email.

13.2 The current version of these Terms is always available in the app and on our website. In Settings you can see which versions of these Terms and of the Privacy Policy you have accepted, and when.

13.3 If you reject a new version, you may close your account. Continued use = acceptance.

14. Governing Law and Dispute Resolution

14.1 These Terms are governed by the laws of the Republic of Estonia, excluding conflict-of-law rules.

14.2 Any dispute arising from these Terms:

• Both parties shall first conduct 60 days of good-faith negotiation
• Failing settlement, submit to Harju Maakohus (Harju County Court, Tallinn, Estonia)
• EU consumers retain jurisdiction in their country of residence per Rome I

15. Miscellaneous

15.1 Severability: If any provision is held invalid, the remaining provisions remain in effect.

15.2 No Waiver: Failure to exercise a right does not constitute waiver.

15.3 Entire Agreement: These Terms, together with the Privacy Policy and Developer Agreement (where applicable), constitute the entire agreement.

15.4 Assignment: The Platform may assign these Terms in connection with a merger or acquisition. You may not assign your account or rights.

15.5 Force Majeure: War, natural disaster, cyberattack, government action, etc. — the Platform may suspend service without breach liability.

16. Contact

• Provider: ZealTop OÜ
• Registry Code: 17367911
• Registered Address: Harju maakond, Tallinn, Kesklinna linnaosa, Ahtri tn 12, 15551, Estonia
• Contact Email: www.zeal.top@gmail.com

---

End of Terms