Terms of Service

1. Acceptance of Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User”, “you”) and Coi (“we”, “us”, “our”, operated at coilearn.com by Lev Smolsky). By creating an account, accessing, or using Coi, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, do not use our service.

2. Eligibility and Minimum Age (13+)

You must be at least 13 years of age (or 16 years of age for users residing in the European Economic Area or United Kingdom) to create an account or use Coi. If you are between the ages of 13 and 18, you represent that you have obtained permission from your parent or legal guardian to use the service. Coi does not knowingly permit registration by children under 13 years of age.

3. Service Description & Free Availability

Coi provides tools for collaborative learning, document study, card generation, quizzes, and AI tutoring. Coi is currently provided to users free of charge. We reserve the right to modify, suspend, or discontinue any feature, tool, or portion of the service at any time without prior notice or liability.

4. Artificial Intelligence & Educational Disclaimer

5. Academic Integrity & Honor Codes

Coi is built to foster genuine comprehension and collaborative study. You agree not to use Coi to violate any academic integrity policy, honor code, or testing rules established by your school, college, university, or examination board. You agree not to use Coi for live cheating during exams, unauthorized collaboration, or plagiarism.

6. User Content & Intellectual Property

Your Ownership: You retain full ownership and intellectual property rights in the notes, cards, and study files (such as PDFs, documents, and images) that you upload or create on Coi (“User Content”).

Limited License to Coi: By submitting or uploading User Content, you grant Coi a non-exclusive, worldwide, royalty-free, limited license to host, store, cache, reproduce, parse, format, and transmit your User Content solely as necessary to operate the service and provide features to you (including transmitting content to Google Gemini API for automated analysis and tutoring).

Your Warranty: You represent and warrant that you own or possess all necessary rights, licenses, and permissions to upload and share your User Content, and that your uploads do not infringe, misappropriate, or violate any third-party copyright, trademark, trade secret, or privacy right.

7. Copyright & DMCA Notice and Takedown Procedure

Coi respects the intellectual property rights of others and responds to notices of alleged copyright infringement under the Digital Millennium Copyright Act (17 U.S.C. § 512). If you believe that your copyrighted work has been reproduced or distributed on Coi in a way that constitutes infringement, please submit a written notice to our designated contact:

Your notice must include: (a) identification of the copyrighted work claimed to be infringed; (b) identification of the material claimed to be infringing and its location on the platform (e.g. project URL); (c) your contact information (name, address, telephone, and email); (d) a statement that you have a good-faith belief that use of the material is not authorized; (e) a statement made under penalty of perjury that the information in the notification is accurate and that you are authorized to act on behalf of the owner; and (f) your electronic or physical signature.

Repeat Infringer Policy: It is Coi’s policy to promptly terminate the accounts of users who are found to repeatedly infringe copyrights or intellectual property rights.

8. Prohibited Conduct

You agree that you will not:

• Attempt to probe, scan, or compromise the vulnerability of Coi’s servers, databases, or network.
• Scrape, spider, or systematically harvest data from the site using automated tools without express written permission.
• Upload files containing malicious code, viruses, trojans, or harmful scripts.
• Interfere with, disrupt, or place an unreasonable load on the service infrastructure.
• Harass, threaten, defraud, or impersonate other users or individuals.

9. Independent Platform & FERPA Notice

Coi is an independent study productivity service and is not an official educational records depository, school district contractor, or agent under the Family Educational Rights and Privacy Act (FERPA). Users are strictly responsible for not uploading official non-directory student education records to the service.

10. Disclaimer of Warranties (“AS IS”)

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND QUIET ENJOYMENT. COI DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, ACCURATE, OR ERROR-FREE, OR THAT ANY DEFECTS WILL BE DETECTED OR CORRECTED.

11. Limitation of Liability (.00 Cap)

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL COI, ITS CREATOR (LEV SMOLSKY), AFFILIATES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING LOSS OF PROFITS, LOSS OF DATA, GOODWILL, REPUTATIONAL DAMAGE, WORK STOPPAGE, OR ACADEMIC PENALTIES), REGARDLESS OF THEORY OF LIABILITY AND EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL COI’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF COI EXCEED THE GREATER OF FIVE DOLLARS (.00 USD) OR THE AMOUNT ACTUALLY PAID BY YOU TO COI IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY.

12. Indemnification

You agree to indemnify, defend, and hold harmless Coi and Lev Smolsky from and against any claims, liabilities, damages, judgments, awards, losses, costs, and expenses (including reasonable attorney’s fees) arising out of or resulting from your User Content, your violation of these Terms, or your violation of any third-party rights.

13. Governing Law & Dispute Resolution

These Terms and any disputes arising out of or related to them shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts and the federal laws of the United States, without regard to principles of conflicts of law. You agree that any legal dispute or claim must be resolved exclusively on an individual basis, and you waive any right to participate as a plaintiff or class member in any class, collective, or representative proceeding.

14. Modifications to Terms

We reserve the right to revise or replace these Terms at any time. When changes are made, we will update the “Last updated” date at the top of this page. Your continued use of Coi after any such modifications constitutes your acceptance of the new Terms.

15. Contact Us

If you have questions, comments, or legal notices concerning these Terms, please contact:

Email: info@coilearn.com