Mga Tuntunin ng Serbisyo

Please read these Terms of Service ("Terms") carefully before using the Cora service. These Terms constitute a legally binding agreement between you ("you," "your," or "user") and SSGV LLC ("SSGV," "we," "us," or "our"), the company behind the Cora service.

By accessing or using the Cora website at www.meetcora.co, interacting with Cora on WhatsApp, purchasing a subscription or gift, or otherwise using any part of our Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service.

1. About Cora and Service Classification

1.1 Service Description

Cora is an AI-powered educational and informational companion for parents and expectant parents, delivered through WhatsApp ("Service"). Cora provides on-demand, AI-generated conversational content related to pregnancy, newborn care, infant development, and early parenting.

1.2 Company Information

The Service is operated by SSGV LLC, a limited liability company incorporated in the State of Wyoming, United States, with a registered office at 1007 N Orange St, 4th Floor, Suite 3174, Wilmington, DE 19801, New Castle, US.

1.3 What Cora Is — Service Classification

Cora is a digital educational and informational content subscription service. Cora is classified as a digital content product and falls within the same general category as parenting education apps, AI-powered reference tools, and digital information subscriptions. Cora's Merchant Category Code (MCC) classification corresponds to digital goods and educational services — not healthcare, medical, or telemedicine services.

1.4 What Cora Is Not — Critical Distinctions

PLEASE READ THIS SECTION CAREFULLY. BY USING THE SERVICE, YOU ACKNOWLEDGE AND AGREE TO THE FOLLOWING:

Cora is NOT any of the following, and the Service does NOT constitute:

The information provided by Cora is for general educational and informational purposes only. Cora's AI-generated responses are produced by machine learning algorithms, are not reviewed or verified by any licensed professional before delivery, and may be inaccurate, incomplete, outdated, or inappropriate for your specific situation.

You must always consult your physician, pediatrician, midwife, or other qualified healthcare provider for any medical questions, concerns, or decisions regarding your health or your child's health. Never disregard professional medical advice, delay seeking medical care, or discontinue medical treatment because of information provided by Cora.

If you or your child are experiencing a medical emergency, call your local emergency number (such as 911 in the United States) immediately. Do not use Cora for emergency guidance.

2. Eligibility

2.1 Age Requirement

You must be at least 18 years of age (or the age of majority in your jurisdiction, whichever is greater) to use the Service. By using the Service, you represent and warrant that you meet this requirement.

2.2 Legal Capacity

You represent that you have the legal capacity to enter into these Terms and that your use of the Service complies with all applicable laws and regulations.

2.3 WhatsApp Account

The Service requires an active WhatsApp account. Your use of WhatsApp is subject to WhatsApp's own Terms of Service and Privacy Policy. You are responsible for maintaining the security of your WhatsApp account and all activity occurring through it.

3. Account and Onboarding

3.1 Account Creation

Your Cora account is created automatically when you first message Cora on WhatsApp. Your account is associated with your WhatsApp phone number.

3.2 Account Information

During onboarding, you may provide details to personalize your experience. You agree to provide accurate and complete information. Inaccurate information may result in irrelevant or inappropriate content. We are not liable for any consequences arising from inaccurate information you provide.

3.3 Account Security

You are solely responsible for all activity under your WhatsApp number in connection with the Service. Notify us immediately at [email protected] if you believe your account has been compromised.

3.4 Non-Transferability

Your subscription is tied to your WhatsApp phone number and is personal, non-transferable, and non-sublicensable. You may not share, sell, assign, or transfer your account.

4. Service Tiers

4.1 Advisor (Free Tier)

Initial interactions occur in "Advisor" mode, which provides limited informational responses. The Advisor tier is a preview with restricted functionality and does not constitute a free subscription, trial period, or obligation to continue providing the Service at no charge.

4.2 Companion (Paid Tier)

Upon purchasing a subscription, you receive the full "Companion" experience with unlimited personalized conversations, milestone tracking, weekly check-ins, AI-generated insights, and all premium features available at the time of your subscription.

4.3 Feature Changes

We reserve the right to modify, add, or remove features of the Service at any time and in our sole discretion. We will endeavor to provide notice of material changes. Feature modifications do not entitle you to a refund unless a change materially eliminates the core functionality of the Service during your paid period, in which case you may cancel and request a prorated refund.

5. Subscriptions and Payments

5.1 Pricing

Cora offers the following plans (prices may vary by region and are subject to change):

All prices are in US dollars unless otherwise indicated and are exclusive of applicable taxes.

5.2 Payment Processing

All payments are processed by Stripe, Inc. By making a purchase, you agree to Stripe's applicable terms (stripe.com/legal/ssa). We do not collect, process, or store full payment card numbers. You represent and warrant that: (a) you are authorized to use the payment method provided; (b) all payment information is accurate and complete; and (c) you will promptly update payment information if it changes.

5.3 Automatic Renewal and Recurring Charges

Your subscription will automatically renew at the end of each billing period (annually or monthly) at the then-current price, and your payment method will be charged accordingly, unless you cancel before the renewal date. By subscribing, you expressly authorize these recurring charges until you cancel.

If a payment fails, we may reattempt the charge, suspend the Service, or downgrade your account to Advisor mode. We are not liable for any consequences of payment failure.

5.4 Price Changes

We may change subscription prices with at least 30 days' advance notice via WhatsApp or email. Price changes take effect at your next renewal. If you do not cancel before the new price takes effect, you are deemed to have accepted the new price.

5.5 Accepted Payment Methods

We accept major credit and debit cards (Visa, Mastercard, American Express), Apple Pay, Google Pay, and additional local payment methods where available (including Pix for Brazil). Available payment methods may vary by region and are displayed at checkout.

5.6 Taxes

You are responsible for all applicable taxes, duties, and government-imposed fees. We collect and remit taxes where legally required.

6. Gift Purchases

6.1 How Gifts Work

Gift purchases generate a digital gift card sent to the email address you specify. Gift cards include a unique redemption code.

6.2 Redemption

Recipients activate their gift by entering the redemption code. The 12-month access period begins upon redemption, not purchase.

6.3 Gift Terms

7. Refund Policy and Cancellation

7.1 30-Day Money-Back Guarantee

We offer a 30-day money-back guarantee on new subscriptions and gift purchases. If you are not satisfied for any reason, request a full refund within 30 days of your initial purchase date at [email protected] or through WhatsApp. Refunds are processed to the original payment method within 10 business days.

7.2 After 30 Days

After the 30-day period, subscriptions are non-refundable. We may, in our sole and absolute discretion, issue refunds or credits in exceptional circumstances, but are under no obligation to do so.

7.3 Cancellation

Cancel at any time via [email protected], WhatsApp, or the Stripe Customer Portal. Upon cancellation:

7.4 Gift Refunds

Gift refund requests must be made by the purchaser within 30 days of purchase. Redeemed gifts are evaluated case-by-case at our sole discretion.

7.5 Chargebacks

If you initiate a chargeback or payment dispute with your bank or credit card company instead of contacting us to resolve the issue, we reserve the right to suspend or terminate your account and pursue recovery of all amounts owed, including administrative fees to the extent permitted by law.

8. International Consumer Rights

8.1 EU/EEA Right of Withdrawal (14 Days)

If you are a consumer in the EU or EEA, you have a statutory right to withdraw from a distance contract within 14 days of purchase without giving any reason. However, by subscribing to the Service and beginning to use Cora immediately, you expressly consent to the immediate performance of the Service and acknowledge that you lose your right of withdrawal once the digital content delivery has begun. If you do not consent to immediate performance, you retain the 14-day withdrawal right, during which you may cancel for a full refund by contacting [email protected]. This does not affect your statutory rights where mandatory law provides otherwise.

8.2 Brazil Right of Regret (7 Days)

If you are a consumer in Brazil, under the Código de Defesa do Consumidor (CDC, Art. 49), you have the right to cancel your purchase within 7 days of the transaction date for a full refund ("direito de arrependimento"). This applies regardless of whether you have used the Service. To exercise this right, contact [email protected] within 7 days of purchase.

8.3 Other Jurisdictions

Residents of jurisdictions with mandatory cancellation or cooling-off period rights may exercise those rights to the extent required by applicable law. Contact [email protected] to exercise any statutory cancellation right.

9. Assumption of Risk

BY USING THE SERVICE, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT:

a) You use the Service at your own risk. Cora provides AI-generated educational content only. You are solely responsible for evaluating the appropriateness, accuracy, and usefulness of any information provided by Cora before acting on it.

b) You will not rely on Cora for medical decisions. Any decisions you make regarding your health, your pregnancy, your child's health, feeding, sleep, development, or any other health-related matter based in whole or in part on information from Cora are made at your own risk and are your sole responsibility.

c) AI is inherently imperfect. Cora's AI may produce responses that are incorrect, misleading, incomplete, outdated, biased, or contextually inappropriate. AI cannot examine you or your child, access your medical records, assess emergencies, or consider your full medical history.

d) Cora does not replace professional care. The Service does not substitute prenatal care, pediatric care, postpartum care, mental health care, or any professional healthcare service. You must maintain your own relationship with qualified healthcare providers.

e) You assume all risk associated with your use of or reliance upon the Service, including any adverse outcomes, harm, or damages that may result from acting on AI-generated content.

10. Acceptable Use

10.1 Your Responsibilities

You agree that you will not:

10.2 WhatsApp Policy Compliance

Your use of the Service through WhatsApp must comply with WhatsApp's Business Messaging Policy, Terms of Service, and all applicable WhatsApp policies. We are not responsible for any restrictions or actions taken by WhatsApp on your account.

10.3 Content You Share

You retain ownership of content you share with Cora. By sending messages, you grant us a limited, non-exclusive, worldwide, royalty-free, sublicensable, transferable license to use, process, store, analyze, reproduce, and create derivative works from your content solely for the purpose of providing, personalizing, improving, and developing the Service, and for creating aggregated or de-identified datasets. This license survives termination of your account to the extent necessary to fulfill the stated purposes with respect to data already collected.

You are solely responsible for content you share. Do not share information you are not authorized to disclose or that would violate any third party's rights.

11. Intellectual Property

11.1 Our Rights

The Service, including the Cora brand, name, logo, website, software, AI systems, prompt engineering, system instructions, algorithms, user interface designs, text, graphics, and all other content and technology ("Cora Materials"), are the exclusive property of SSGV LLC or its licensors and are protected by copyright, trademark, trade secret, and other intellectual property laws. Nothing in these Terms grants you any right, title, or interest in the Cora Materials except the limited right to use the Service as described herein.

11.2 AI-Generated Content

AI-generated responses are provided for your personal, non-commercial use only. You may not commercially exploit, republish, redistribute, or create derivative works from AI-generated content. We do not represent or warrant that AI-generated content is original, accurate, or free from third-party intellectual property claims.

11.3 Feedback

Any suggestions, ideas, feedback, or other input you provide regarding the Service ("Feedback") are granted to us under a perpetual, irrevocable, worldwide, royalty-free, fully-paid, sublicensable, transferable license to use, modify, incorporate, and commercially exploit without any obligation, attribution, or compensation to you.

12. Disclaimers

12.1 General Disclaimer

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, OR COMPLETENESS.

WE DO NOT WARRANT THAT: (a) the Service will be uninterrupted, timely, secure, or error-free; (b) any information provided will be accurate, complete, current, or reliable; (c) the Service will meet your specific needs, requirements, or expectations; (d) any defects will be corrected; (e) the Service is free of viruses or harmful components; or (f) the results obtained from the Service will be accurate or reliable.

12.2 Medical and Health Disclaimer

WE MAKE NO WARRANTIES OR REPRESENTATIONS WHATSOEVER REGARDING THE MEDICAL, CLINICAL, OR HEALTH-RELATED ACCURACY, COMPLETENESS, TIMELINESS, OR APPROPRIATENESS OF ANY CONTENT OR INFORMATION PROVIDED THROUGH THE SERVICE. CORA'S AI-GENERATED RESPONSES ARE NOT PROFESSIONAL ADVICE AND MAY CONTAIN ERRORS, OMISSIONS, OR INACCURACIES. NO INFORMATION PROVIDED BY CORA SHOULD BE CONSTRUED AS MEDICAL ADVICE, DIAGNOSIS, OR TREATMENT RECOMMENDATION.

YOUR RELIANCE ON ANY INFORMATION PROVIDED BY THE SERVICE IS SOLELY AND ENTIRELY AT YOUR OWN RISK. WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY ARISING FROM YOUR RELIANCE ON AI-GENERATED CONTENT OR YOUR FAILURE TO SEEK APPROPRIATE PROFESSIONAL MEDICAL CARE.

12.3 AI Limitations Disclaimer

You acknowledge that: (a) Cora's AI may produce factually incorrect, contradictory, misleading, or potentially harmful information; (b) AI cannot examine patients, access records, or assess emergencies; (c) AI knowledge may be outdated and may not reflect current guidelines; (d) AI responses may vary for similar questions; (e) AI has no independent judgment, clinical reasoning, or professional accountability.

12.4 Third-Party Services Disclaimer

The Service relies on third-party platforms (WhatsApp, Stripe, cloud providers, AI model providers). We disclaim all liability for the availability, performance, security, accuracy, or conduct of these third parties. Temporary or permanent unavailability of third-party services may affect the Service, and we are not liable for any resulting interruption, data loss, or other consequence.

12.5 No Professional Relationship

Use of the Service does not create a doctor-patient, therapist-client, provider-patient, or any other professional-client relationship between you and SSGV LLC, its officers, employees, agents, or AI systems.

13. Limitation of Liability

13.1 Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SSGV LLC, ITS OFFICERS, DIRECTORS, MEMBERS, MANAGERS, EMPLOYEES, AGENTS, LICENSORS, OR AFFILIATES (COLLECTIVELY, "CORA PARTIES") BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, OR FOR PERSONAL INJURY, EMOTIONAL DISTRESS, OR PAIN AND SUFFERING, ARISING OUT OF OR IN CONNECTION WITH:

13.2 Aggregate Liability Cap

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF THE CORA PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, REGARDLESS OF THE FORM OF ACTION OR THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT, STRICT LIABILITY, WARRANTY, OR OTHERWISE), SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU ACTUALLY PAID TO US IN THE 12 MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) FIFTY US DOLLARS ($50.00).

13.3 Essential Basis of the Bargain

You acknowledge and agree that the limitations of liability in this Section 13 are a fundamental element of the bargain between you and SSGV LLC, and that SSGV LLC would not provide the Service without these limitations. The limitations apply even if the Cora Parties have been advised of the possibility of such damages and even if a remedy fails of its essential purpose.

13.4 Jurisdictional Limitations

Some jurisdictions do not allow the exclusion or limitation of certain liabilities. In such jurisdictions, the limitations in this Section apply to the fullest extent permitted by applicable law. Nothing herein excludes liability that cannot be legally excluded, including for death or personal injury caused by gross negligence, for fraud, or as otherwise required by mandatory law.

14. Indemnification

You agree to indemnify, defend, and hold harmless the Cora Parties from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees and costs of litigation) arising out of or relating to: (a) your use of or reliance upon the Service; (b) your violation of these Terms or any applicable law; (c) your violation of any third party's rights; (d) any medical, health, parenting, or other decision you make based on information obtained through the Service; (e) any content you submit through the Service; (f) any claim that your use of the Service caused harm to you, your child, or any third party; or (g) any dispute between you and a third party relating to the Service. This indemnification obligation survives termination of these Terms and your use of the Service.

15. Dispute Resolution

15.1 Informal Resolution

Before initiating formal proceedings, you agree to contact us at [email protected] and attempt to resolve the dispute informally for at least 60 days. During this period, you agree not to initiate any legal proceeding.

15.2 Binding Arbitration

If informal resolution fails, any controversy, claim, or dispute arising out of or relating to these Terms or the Service, including the scope and applicability of this arbitration agreement, shall be resolved by final and binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect. Arbitration shall be conducted in Cheyenne, Wyoming, or, at your election, by telephone, videoconference, or online platform. The arbitrator's decision is final, binding, and not subject to appeal (except as provided by the Federal Arbitration Act), and may be entered as a judgment in any court of competent jurisdiction.

YOU UNDERSTAND THAT BY AGREEING TO ARBITRATION, YOU ARE WAIVING YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A COURT PROCEEDING.

15.3 Class Action and Collective Action Waiver

YOU AND SSGV LLC AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF, CLASS MEMBER, OR PARTICIPANT IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, MULTI-PARTY, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate multiple parties' claims and may not preside over any form of class, collective, or representative proceeding. If this class action waiver is found unenforceable, the entire arbitration provision (except the informal resolution requirement) shall be void.

15.4 Exceptions to Arbitration

Either party may: (a) seek injunctive or equitable relief in any court of competent jurisdiction to prevent actual or threatened infringement of intellectual property rights or breach of confidentiality; or (b) bring claims in small claims court if the claims qualify.

15.5 Opt-Out Right

You may opt out of the arbitration and class action waiver within 30 days of first accepting these Terms by sending written notice to [email protected] with subject "Arbitration Opt-Out," including your name, WhatsApp phone number, and clear opt-out statement. If you opt out, disputes are resolved in the courts specified in Section 16.

16. Governing Law and Jurisdiction

These Terms are governed by and construed under the laws of the State of Wyoming, United States, without regard to conflict of law principles. If you have opted out of arbitration or arbitration is found inapplicable, exclusive jurisdiction and venue lies in the state and federal courts located in Laramie County, Wyoming, and you consent to personal jurisdiction in such courts.

17. Termination

17.1 By You

You may stop using the Service and cancel your subscription at any time per Section 7.3. If you are an EU/EEA or Brazilian consumer, see also Section 8 for your statutory cancellation rights.

17.2 By Us

We may suspend or terminate your access immediately, with or without notice, and in our sole discretion, if: (a) you violate these Terms or applicable law; (b) your use poses a risk to users, third parties, or our operations; (c) we receive a valid legal or regulatory request; (d) a third-party platform (WhatsApp, Stripe) restricts or terminates your access; (e) your account is inactive for an extended period; or (f) we discontinue the Service or any part thereof.

17.3 Effect of Termination

Upon termination, your right to use the Service ceases immediately. We may delete your data in accordance with our Privacy Policy after applicable retention periods. Sections 1.4, 9, 10.3, 11, 12, 13, 14, 15, 16, and 19 through 22 survive termination.

If terminated for reasons other than your breach, you may request a prorated refund of prepaid fees at our discretion.

18. Messaging Consent and AI Disclosure

18.1 WhatsApp Messaging

By initiating a WhatsApp conversation with Cora, you consent to receive: (a) responses to your messages; (b) proactive informational messages (check-ins, milestone notifications, summaries) via pre-approved WhatsApp message templates; and (c) service-related notifications (subscription updates, payment confirmations).

18.2 Opt-Out

Opt out of proactive messages anytime by sending "STOP" or contacting [email protected]. Opting out does not affect your ability to initiate conversations but ceases proactive outreach.

18.3 AI Self-Identification

Cora identifies itself as an AI system at the beginning of every new conversation. Cora is not a human and does not impersonate a human. All responses are generated by artificial intelligence. If at any point you are unsure whether you are interacting with a human or an AI, you are interacting with an AI.

18.4 Human Support Access

You may request to speak with a human support representative at any time by sending "HELP" in the WhatsApp conversation or by emailing [email protected]. Human support is available for billing questions, account issues, complaints, and any matter that automated responses cannot adequately address.

18.5 Email

We may send transactional emails related to your account. Marketing emails require explicit opt-in; unsubscribe anytime via the link in each email.

19. Health and Safety Notice

This section supplements but does not replace Section 1.4.

We genuinely care about your wellbeing and your child's wellbeing. Cora is built to support and inform you, but qualified healthcare providers are irreplaceable.

20. Force Majeure

We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, pandemics, epidemics, acts of government, war, terrorism, civil unrest, labor disputes, internet outages, power failures, cyberattacks, or failures of third-party platforms, services, or infrastructure.

21. Modifications to Terms

We may modify these Terms at any time. Material changes will be posted with an updated date and notified at least 30 days in advance via WhatsApp or email. Continued use after the effective date constitutes acceptance. If you disagree, you must stop using the Service and cancel your subscription before the changes take effect.

22. General Provisions

Entire Agreement. These Terms, our Privacy Policy, and any incorporated agreements constitute the entire agreement between you and SSGV LLC regarding the Service.

Severability. If any provision is found invalid or unenforceable, it shall be modified to the minimum extent necessary, or severed, and the remaining provisions remain in full force.

No Waiver. Our failure to enforce any provision is not a waiver. Waivers must be in writing and signed by an authorized representative.

Assignment. You may not assign these Terms. We may assign freely in connection with a business transaction or to any affiliate.

Independent Contractors. No partnership, joint venture, employment, or agency relationship is created.

Third-Party Beneficiaries. These Terms do not confer rights on any third party except as expressly stated.

Headings. Section headings are for convenience only.

Electronic Communications. By using the Service, you consent to receiving communications electronically. Electronic communications satisfy any legal requirement that communications be in writing.

23. Contact Us

SSGV LLC

1007 N Orange St, 4th Floor, Suite 3174

Wilmington, DE 19801, New Castle, US

General Support: [email protected]

Legal Inquiries: [email protected]

Privacy Inquiries: [email protected]

© 2026 SSGV LLC. All rights reserved.