Nira Terms of Service

Last Updated: May 5, 2026

Effective Date: May 5, 2026

1. Acceptance of Terms

1.1 This agreement is a legally binding contract between you ("User," "you") and CogCloud ("we," "us," "the Platform") governing your use of the Nira application and related services (collectively, "the Service").

1.2 Registration constitutes contract formation. By completing the registration process, you confirm that you have read, understood, and agree to be bound by all terms of this Agreement.

1.3 Under the Singapore Contract Act, contracts entered into by minors may be voidable. We address this through the provisions below to protect the interests of both parties.

1.4 If you do not agree to any provision of this Agreement, please do not register for or use the Service.

2. Definitions

3. User Eligibility and Age Restrictions

3.1 Age Requirements

3.2 Age Verification

• Users must truthfully provide their date of birth during registration
• The Platform automatically calculates age and applies the corresponding permissions
• Falsified age: If age fabrication is discovered, the Platform reserves the right to immediately freeze the account without refunding QS balance

3.3 Dynamic Guardian Verification (Ages 15–17)

• Users aged 15–17 must complete dynamic guardian verification during registration
• The guardian must correctly answer at least 2 out of 3 dynamic knowledge-based questions
• Upon passing, the guardian sets a 6-digit PIN and communicates it to the minor user
• Completion of guardian verification constitutes the guardian's consent for the minor to independently use the Service and independently conduct QS transactions

4. Account and QS

4.1 Account Security

• You are responsible for all activity under your account
• Keep your login credentials secure and do not share them with others
• If you detect unauthorized use of your account, contact us immediately

4.2 QS — Platform Internal Access Rights

4.2.1 Legal Nature
QS is a platform internal access right, not a currency, security, or financial product. QS:

• Has no cash value outside the Platform
• Cannot be exchanged for fiat currency (except for Seed User earnings, as specified)
• Cannot be transferred between user accounts
• Is not a "virtual currency" or "digital payment token" under any applicable financial regulation

4.2.2 Acquisition
QS may be acquired through:

• Recharge via Stripe (exchange rate as displayed in-app)
• Seed User Program earnings
• Promotional events (at the Platform's sole discretion)

4.2.3 Usage and Pricing
QS may be consumed for features and services as displayed in the in-app "QS Pricing" page. The Platform reserves the right to adjust QS pricing for any feature or service at any time, with prior notice within the app.

4.2.4 Cleaning Level Pricing
Exclusive Avatar distillation is offered at four cleaning levels:

• Heavy (40% retention): Available to users with monthly subscription or above
• Medium (60% retention): Available to users with monthly subscription or above (default recommended)
• Light (80% retention): Available exclusively to annual subscribers; requires signing a risk disclaimer
• Enterprise (100% retention, 0% cleaning): Available exclusively to enterprise contract clients; requires a signed enterprise agreement

4.2.5 Expiration and Deletion

• QS has no expiration date unless the account is deleted
• Upon account deletion, unconsumed QS will be refunded per Section 6
• Upon account termination for violation of this Agreement, remaining QS balance will not be refunded

4.2.6 Final Interpretation
The Platform reserves the right of final interpretation regarding all QS-related rules, pricing, and usage policies. Users will be notified of material changes via in-app pop-up or email.

4.3 Guardian Waiver of Repayment Claims

When a guardian of a 15–17-year-old user completes guardian verification, the guardian is deemed to have consented to the minor user's independent QS consumption. The guardian may not seek a refund of consumed QS on the grounds of the minor's lack of contractual capacity.

4.4 Billing Rules

See the in-app "QS Pricing" page for current pricing details. The Platform reserves the right to adjust pricing with prior notice within the app.

5. User Conduct

5.1 Prohibited Conduct

The following acts are strictly prohibited:

5.2 Enforcement

• The Platform employs AI (Hive Moderation) + human dual review
• Users may report violations at any time (report@qisuanai.com)
• The Platform reserves the right to takedown violating content within 24–48 hours (in compliance with the U.S. TAKE IT DOWN Act)
• Severe violations: Permanent account ban without QS refund
• The Platform reserves the right of final determination regarding the classification and severity of any violation
• The Platform reserves the right to report illegal activity to law enforcement

6. Refunds and Dispute Resolution

6.1 QS Recharge Refunds

6.2 Call Quality Disputes

6.3 Exclusive Avatar

6.4 Service Interruption Disclaimer

The Platform does not guarantee uninterrupted service. The Platform is not liable for service interruptions caused by force majeure, including network failures, hardware failures, or third-party service disruptions. The Platform will make reasonable efforts to restore service.

7. Intellectual Property and Content License

7.1 Platform Content

All code, design, official personas, and UI elements of Nira are the intellectual property of CogCloud.

7.2 User-Generated Content

• You retain ownership of content generated through your Exclusive Avatar
• You grant the Platform a non-exclusive, royalty-free license solely for the purpose of providing the Exclusive Avatar service to you
• Exclusive Avatar data is not shared, not made public, and not used for public model training

7.3 Allocation of Liability

The creator who uploads materials bears full legal responsibility for all text, voice, and video content generated by the Exclusive Avatar. The Platform provides only technical services, does not warrant the truthfulness or legality of generated content, and bears no liability for user misuse or infringement.

8. Disclaimer of Warranties

8.1 General Disclaimer

The Service is provided on an "AS IS" basis without warranties of any kind, express or implied.

8.2 AI-Generated Content

8.2.1 The Platform implements the following technical safeguards for AI-generated content:

• Crisis intervention detection: Automated keyword detection for extreme emotional distress signals (self-harm, suicidal ideation). When detected, the Platform displays crisis helpline numbers and may flag the conversation for human review
• Content filtering: AI responses are filtered through Hive Moderation to detect and block harmful content
• Human escalation path: Flagged conversations may be reviewed by trained moderators within 24 hours

8.2.2 Disclaimer:

• AI-generated content is provided on an "AS IS" basis
• The Platform does not warrant the accuracy, completeness, or fitness of AI-generated content
• AI responses are algorithmic outputs only and do not constitute professional advice (medical, legal, financial, etc.)
• The Platform's technical safeguards (crisis detection, content filtering) are reasonable efforts and do not guarantee detection of all harmful content

8.3 Third-Party Services

Third-party services integrated into this Service (Firebase, Stripe, etc.) are the responsibility of their respective providers. The Platform is not liable for their service interruptions or data breaches.

9. Limitation of Liability

To the maximum extent permitted by law:

• The Platform is not liable for any indirect, incidental, special, or punitive damages
• The Platform's total liability shall not exceed the total amount paid by you to the Platform in the preceding 12 months

10. Account Termination

10.1 Termination by User

You may delete your account at any time via Settings → Delete Account. Upon deletion:

• Personal data cleared within 7 days
• Financial records retained for 7 years (anonymized)
• QS balance refunded per Section 6

10.2 Termination by Platform

The Platform may terminate your account under the following circumstances:

• Violation of this Agreement
• Requirement by law or regulatory authority
• Account inactive for 12 consecutive months
• Platform service termination (with 30 days' prior notice)

11. Governing Law and Dispute Resolution

11.1 Governing Law

11.2 Dispute Resolution

• The parties shall first attempt to resolve disputes through friendly negotiation
• If negotiation fails, disputes shall be submitted to the Singapore International Arbitration Centre (SIAC) for arbitration in accordance with its then-current rules
• The seat of arbitration shall be Singapore, and the language shall be English
• The arbitral award shall be final and binding on both parties

12. Amendments

The Platform may amend this Agreement from time to time. Material amendments will be communicated via:

• In-app pop-up (requiring re-acceptance)
• Email notification
• Update of the "Last Updated" date on this page

Continued use of the Service constitutes acceptance of the amended Agreement.

13. Severability

If any provision of this Agreement is held invalid or unenforceable, the remaining provisions shall remain in full force and effect.

14. Contact Us

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