Terms and Conditions

Last updated: August 26, 2026

Please read these terms and conditions carefully before using Our Service.

Interpretation and Definitions

Interpretation

The words whose initial letters are capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of these Terms and Conditions:

• Application means the software program provided by the Company downloaded by You on any electronic device, named CozyVocab

• Application Store means the digital distribution service operated and developed by Apple Inc. (Apple App Store) or Google Inc. (Google Play Store) in which the Application has been downloaded.

• Affiliate means an entity that controls, is controlled by, or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.

• Country/State refers to: Berlin, Germany

• Company (referred to as either "the Company", "We", "Us" or "Our" in these Terms and Conditions) refers to Pactolus Digital, Weichselstraße 33, 10247, Berlin, Germany.

• Device means any device that can access the Service such as a computer, a cell phone or a digital tablet.

• In-App Purchase means a purchase of digital content or a Subscription made from within the Application through an Application Store.

• Service refers to the Application or the Website or both.

• Subscription means a recurring paid plan that unlocks premium features of the Application for a defined billing period (currently weekly or yearly), which automatically renews until cancelled.

• Terms and Conditions (also referred to as "Terms") means these Terms and Conditions, including any documents expressly incorporated by reference, which govern Your access to and use of the Service and form the entire agreement between You and the Company regarding the Service. These Terms and Conditions have been created with the help of the TermsFeed Terms and Conditions Generator.

• Third-Party Social Media Service means any services or content (including data, information, products or services) provided by a third party that is displayed, included, made available, or linked to through the Service.

• Website refers to Pactolus Digital, accessible from https://pactolusdigital.com

• You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Acknowledgment

These are the Terms and Conditions governing the use of this Service and the agreement between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service.

By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions then You may not access the Service.

You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.

Your access to and use of the Service is also subject to Our Privacy Policy, which describes how We collect, use, and disclose personal information. Please read Our Privacy Policy carefully before using Our Service.

If You purchase a Subscription or other In-App Purchase, You also agree to the applicable Application Store terms (Apple Media Services Terms and Conditions or Google Play Terms of Service). Those store terms apply to the purchase transaction itself.

In-App Purchases and Subscriptions

The Application includes In-App Purchases. Access to CozyVocab’s premium language-learning features (including an ad-free experience, vocabulary decks, and progress tracking) is provided through auto-renewing Subscriptions. A Subscription is required to use the Application beyond the paywall.

We currently offer the following Subscription options:

• Weekly Subscription: billed every week. Payment is charged at confirmation of purchase. This plan does not include a free trial.

• Yearly Subscription: billed every year. This plan includes a 3-day free trial. Unless You cancel before the trial ends, it automatically converts to a paid yearly Subscription.

The exact price, currency, and taxes for each plan are shown in the Application at the time of purchase and may vary by country or Application Store. Illustrative starting prices (excluding local storefront differences) are USD 3.99 per week and USD 79.99 per year.

Payment is processed by Apple Inc. (via the Apple App Store) or Google (via Google Play), not by the Company directly. After purchase, You can restore an existing Subscription on a compatible Device using the “Restore Purchases” control in the Application.

Billing and Automatic Renewal

Subscriptions automatically renew at the end of each billing period (weekly or yearly, depending on the plan You chose) unless You cancel at least 24 hours before the end of the current period through Your Application Store account.

• Payment will be charged to Your Apple ID or Google account at confirmation of purchase, or at the end of a free trial if You do not cancel in time.

• Your account will be charged for renewal within 24 hours prior to the end of the current period.

• Auto-renewal stays on until You turn it off in Your App Store or Google Play account settings. Deleting the Application does not cancel Your Subscription.

• To cancel, open Your Device settings, go to Your Apple ID or Google Play subscriptions, select CozyVocab, and turn off auto-renewal at least 24 hours before the next renewal date.

If a renewal payment fails, We may suspend or terminate Your access to premium features until payment succeeds or the Subscription ends.

Free Trials

Where a free trial is offered (currently with the Yearly Subscription), it lasts for the period displayed in the Application before You confirm the purchase (3 days unless a different duration is shown at checkout).

Unless You cancel at least 24 hours before the trial ends through Your Application Store account, the trial automatically converts to a paid Subscription and the then-current plan price is charged to Your account. Any unused portion of a free trial is forfeited when You purchase a Subscription, where permitted by the Application Store.

Eligibility for a free trial is determined by the Application Store and may be limited to new subscribers.

Pricing and Taxes

Prices are displayed in the Application at checkout in Your local currency where available and include applicable taxes (such as VAT) unless the Application Store displays taxes separately.

We may change Subscription prices from time to time. Where required by law, We or the Application Store will notify You in advance of a price increase. If You do not agree to the new price, You may cancel auto-renewal before the change takes effect. Continuing to use the Service after the new price applies constitutes acceptance of the updated price, except where mandatory consumer law provides otherwise.

Refund Policy

All purchases are processed through the Apple App Store or Google Play Store. The Company does not collect payment card details and cannot issue refunds directly. Refund requests must be directed to Apple or Google according to their respective refund policies.

• Apple: https://support.apple.com/billing

• Google Play: https://support.google.com/googleplay

This does not affect any mandatory statutory rights You may have as a consumer, including any right to a refund under applicable German or EU law.

Links to Other Websites

Our Service may contain links to third-party websites or services that are not owned or controlled by the Company.

The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such websites or services.

We strongly advise You to read the terms and conditions and privacy policies of any third-party websites or services that You visit.

Links from a Third-Party Social Media Service

The Service may display, include, make available, or link to content or services provided by a Third-Party Social Media Service. A Third-Party Social Media Service is not owned or controlled by the Company, and the Company does not endorse or assume responsibility for any Third-Party Social Media Service.

You acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with Your access to or use of any Third-Party Social Media Service, including any content, goods, or services made available through them. Your use of any Third-Party Social Media Service is governed by that Third-Party Social Media Service's terms and privacy policies.

Termination

We may suspend or terminate Your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms and Conditions, if a Subscription payment fails, or if Your Application Store account is restricted.

Upon termination, Your right to use the Service will cease immediately. Cancelling auto-renewal stops future charges but does not usually end access until the current paid period (or trial) expires, unless the Application Store provides otherwise.

You may stop using the Service at any time. To stop future billing, You must cancel the Subscription in Your Application Store account as described above.

Limitation of Liability

Notwithstanding any damages that You might incur, the entire liability of the Company and any of its suppliers under any provision of these Terms and Your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You through the Service or 100 USD if You haven't purchased anything through the Service.

To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of these Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.

Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party's liability will be limited to the greatest extent permitted by law.

If You are a consumer in Germany or the European Union, nothing in these Terms excludes or limits liability for intent or gross negligence, for injury to life, body, or health, or for any other liability that cannot be limited under mandatory law, including statutory product liability.

"AS IS" and "AS AVAILABLE" Disclaimer

The Service is provided to You "AS IS" and "AS AVAILABLE" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.

Without limiting the foregoing, neither the Company nor any of the company's provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.

Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.

Mandatory statutory warranty rights of consumers in Germany and the EU (gesetzliche Gewährleistungsrechte) remain unaffected.

Governing Law

The laws of the Country/State, excluding its conflicts of law rules, shall govern these Terms and Your use of the Service. Your use of the Application may also be subject to other local, state, national, or international laws.

Disputes Resolution

If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.

We are not willing or obliged to participate in dispute resolution proceedings before a consumer arbitration board (Verbraucherschlichtungsstelle). See our Impressum for the statutory notice.

For European Union (EU) Users

If You are a European Union consumer, you will benefit from any mandatory provisions of the law of the country in which You are resident.

Right of Withdrawal for Consumers (EU / Germany)

If You are a consumer in the EU or Germany, You generally have a 14-day right to withdraw from a distance contract. For digital content that is not supplied on a tangible medium, that right ends when We (or the Application Store) begin performing the contract, if You expressly consented to immediate performance and acknowledged that You thereby lose Your right of withdrawal.

By confirming an In-App Purchase or Subscription in the Application Store, You request immediate access to the digital content. Where the Application Store records that consent, the statutory withdrawal right for that purchase ends once access is provided.

You may still cancel auto-renewal at any time as described in “Billing and Automatic Renewal.” Cancellation stops future renewals; it does not, by itself, create a refund for the current period unless Apple, Google, or mandatory law requires one.

If a withdrawal right still applies to Your purchase, please contact the Application Store that processed the payment, or email [email protected] so We can point You to the correct refund channel.

United States Legal Compliance

You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a "terrorist supporting" country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.

Severability and Waiver

Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

Waiver

Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not affect a party's ability to exercise such right or require such performance at any time thereafter nor shall the waiver of a breach constitute a waiver of any subsequent breach.

Translation Interpretation

These Terms and Conditions may have been translated if We have made them available to You on our Service. You agree that the original English text shall prevail in the case of a dispute.

Changes to These Terms and Conditions

We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material We will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at Our sole discretion.

By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, in whole or in part, please stop using the Service.

Contact Us

If you have any questions about these Terms and Conditions, You can contact us:

• By email: [email protected]
• By post: Pactolus Digital, Weichselstraße 33, 10247 Berlin, Germany