Terms of Use

The rules for using Talksmi and its paid subscriptions.

Effective date: October 19, 2026

These Terms explain the rules for using the Talksmi web app, Telegram bot, and paid features. By using Talksmi, you agree to follow them.

1. Operator

Talksmi is provided by Individual Entrepreneur Mykyta Yakovenko (Ukrainian tax ID 3495404396).
Address: 52 Akademika Filatova Street, Apt. 53, Odesa, Ukraine.
Contact: talksmi.app@gmail.com.

You must be at least 13, or older if your country sets a higher minimum age. Only an adult, or someone authorized by a parent or legal guardian, may purchase a subscription.
Keep your account information accurate and protect access to your email, Google, or Telegram account. You are responsible for activity carried out through your Talksmi account.

Talksmi provides curated, generated, and AI-assisted questions for personal conversations. Features, usage limits, and availability may differ by plan and may change as the service develops.
You must not use Talksmi to break the law; harm or harass anyone; submit unlawful content or content that violates another person's rights; test or bypass security and usage limits; generate abusive automated traffic; or copy and commercially redistribute the catalog without permission.

Paddle sells and bills Talksmi subscriptions as the authorized reseller and Merchant of Record. Before you pay, Paddle Checkout shows the price, currency, billing period, and applicable taxes.
Monthly and annual subscriptions renew automatically until you cancel. Use Manage subscription in Talksmi to open the Paddle customer portal. A normal cancellation prevents the next charge, while Premium remains available until the end of the current paid period.
Cancel before the renewal date shown in the portal if you do not want the next charge. Cancellation does not automatically refund the current paid period. Payment failure may delay or suspend Premium.
We will notify you of material price or subscription changes when required by law.
Your purchase is also governed by: Paddle Buyer Terms · Refund and Cancellation Policy

You keep any rights you have in text you submit. Only submit text you are allowed to use, and do not disclose someone else's personal information without permission.
To operate and improve the question catalog, you allow Talksmi to store, copy, review, edit, translate, adapt, and publish questions you submit or generate. This permission is non-exclusive, worldwide, and royalty-free.
After you delete your account, Talksmi may keep question text only after removing its link to you and the original conversation. Drafts stay private until a human reviews them. Content containing identifying or sensitive information must be deleted instead of published.

AI output may be incomplete, inaccurate, repetitive, or unsuitable. Review it before relying on or sharing it. Talksmi is not medical, legal, financial, crisis, or professional advice.
Do not enter secrets, payment details, or sensitive personal data into AI prompts.

Talksmi's software, design, branding, and curated catalog belong to the operator or licensors. These Terms give you a limited, revocable, non-transferable right to use the service for personal purposes.

We may restrict or terminate access for serious or repeated violations, security threats, fraud, or legal requirements.
Deleting your account is permanent. If you have an active Paddle subscription, deletion cancels it immediately and Premium access ends immediately. It does not automatically entitle you to a full or prorated refund. If you only want to stop the next renewal, cancel the subscription instead of deleting your account. Anonymized question text may remain as explained above.

Talksmi is provided on an as-available basis. We do not promise uninterrupted operation or that every question will be appropriate for every group.
To the extent permitted by law, we are not liable for indirect or consequential loss. Nothing in these Terms excludes liability or consumer rights that cannot legally be excluded.

These Terms are governed by the laws of Ukraine. Mandatory consumer rights and jurisdiction rules in your country remain unaffected.
We may update these Terms. Material changes will be communicated where required, and the effective date will be updated.