Terms of Service

Okky Service Last updated: August 3, 2026

PLEASE READ THESE TERMS CAREFULLY. SECTION 13 CONTAINS A BINDING ARBITRATION PROVISION AND A CLASS ACTION WAIVER THAT AFFECT YOUR LEGAL RIGHTS. SECTION 16 GOVERNS BIOMETRIC DATA.

Preamble

These Terms of Service (the "Terms") constitute a public offer by OKKY LLC, a limited liability company organized under the laws of the State of New York, USA, with a mailing address at 48 Wall Street, Suite 1100 PMB 1076, New York, NY 10005, United States (the "Company," "we," "us"), addressed to any individual (the "User," "you") wishing to use the service available at okky.nyc and in related applications (the "Service").

Registering an Account, paying for a Subscription, or otherwise using the Service constitutes your full and unconditional acceptance of these Terms. If you do not agree to these Terms, do not use the Service.

By using the Service, you represent that you are at least 18 years old (or the age of majority in your jurisdiction) and have the legal capacity to enter into this agreement.

1. Definitions

• Service (Okky) — a software platform providing access to a set of artificial-intelligence tools, including: (a) a personal text assistant; (b) an image and video generation and editing studio; (c) an aggregator of third-party neural networks in a single interface.
• Account — the User's account with the Service.
• Subscription — paid access to the Service on a recurring-payment basis.
• Activation Payment — a one-time payment made upon signing up.
• User Content (Input) — any text, images, files, and other data that the User submits to the Service (including requests/prompts).
• Generated Content (Output) — the result of the processing of Input by neural networks.
• Model Providers — third-party providers of AI models to which the Service provides access.

2. Subject Matter and Description of the Service

2.1. The Company provides the User with access to the Service on a subscription basis. The Service is an aggregator combining access to multiple neural networks and AI tools in a single interface.

2.2. The Service is of an auxiliary, entertainment, and informational nature. Generated Content is produced automatically and does not constitute professional (legal, medical, financial, or psychological) advice.

2.3. The list of available models, tools, and features may change. The Company may add, replace, or remove individual neural networks and features, including due to changes in the terms of Model Providers. This does not constitute a degradation of the Service and does not give rise to a right to a refund, provided the overall functionality of the Service is preserved. Available features may differ depending on the access platform (web version, mobile applications) and the version of the Service.

2.4. The Company does not warrant the accuracy, completeness, currency, fitness, or lawfulness of Generated Content. The User is responsible for verifying and applying the results.

2.5. Distribution through independent partners. Okky is distributed, among other channels, through a social-distribution model — via independent partners who recommend the Service and receive compensation for paid subscriptions. Partners are independent persons and are not employees, agents, or representatives of the Company.

2.6. Partner statements. The Company is bound only by the information contained in the Company's official materials and in these Terms. Any oral or written statements by partners about the Service's capabilities, the results of its use, or potential income that are not contained in the official materials do not bind the Company and create no obligations for it. If you were promised something that is not in the official materials, please report it to support@okky.nyc.

2.7. Purchasing the Service does not require participation in the partner program. Any user may take out a Subscription solely for personal use without becoming a partner and without referring anyone.

3. Registration and Account

3.1. To use the Service, the User creates an Account, providing accurate information and keeping it up to date.

3.2. The User must keep access credentials confidential and is responsible for all actions taken under the User's Account.

3.3. One User uses one Account personally. Transferring access to third parties, reselling access, and sharing the Account without the Company's consent are not permitted.

3.4. The Company may suspend or delete an Account in the event of a violation of these Terms (see Section 12).

4. Subscription, Payment, and Auto-Renewal

4.1. Access to the Service is provided on a subscription basis at USD 9.99 per month, plus a one-time Activation Payment of USD 19. The Activation Payment constitutes the purchase of a Starter Pack of the product: Tokens with no expiration date while the Subscription is active (as of this edition — 45,000 Tokens, which exceeds the monthly Subscription quota of 25,000 Tokens; the retention of Tokens while a Subscription is paused is governed by Section 4.7), access to the template collection, and Account activation; the current composition of the Starter Pack is published on the website. The User may additionally purchase Token packages to increase generation volume. Current pricing is published on the website.

4.2. Auto-renewal and consent to recurring charges. The Subscription renews automatically. Before the first charge, the Company clearly discloses the price, billing frequency, and cancellation method, and the User gives affirmative consent to recurring charges to the linked payment method. The charge is made at the beginning of each period until cancelled by the User. By subscribing, the User also consents to the immediate commencement of the supply of the digital Service; in jurisdictions where the law provides a right of withdrawal from a distance contract (including the EU and the United Kingdom), the User acknowledges that once performance has begun, that right ends or is limited to the extent permitted by applicable law, and the refund schedule in Section 5 applies instead.

4.3. Cancellation (simple procedure). The User may cancel auto-renewal at any time and as easily as the Subscription was taken out — independently in the Account settings (with no mandatory call or correspondence), or by contacting support. Cancellation stops future charges; access remains until the end of the period already paid for. The Company may send reminders of an upcoming renewal where required by applicable law.

4.4. The Activation Payment is refunded according to the schedule set out in Section 5. Mandatory provisions of applicable law take priority.

4.5. Payments, currency, and taxes. Payments are processed through a third-party payment provider. All charges and refunds are made in U.S. dollars (USD). If your payment instrument is issued in another currency, the final charged or refunded amount depends on your bank's exchange rate and fees; the Company is not responsible for exchange-rate fluctuations or bank fees and issues refunds exclusively in USD in the amounts set out in Section 5. The stated price may include applicable taxes, or taxes may be added at checkout in accordance with the law. The Company does not store full payment card details.

4.5.1. Payment disputes. Before initiating a payment dispute (chargeback), the User agrees to contact the Company's support. Accounts for which a chargeback has been initiated may be suspended. Access may be reinstated after repayment of the disputed amount and the payment-network fees associated with the dispute.

4.6. Price changes. The Company may change its pricing upon no less than 30 days' notice to the User (via the website, email, or other means). Continued use after the changes take effect constitutes acceptance of the new price.

4.7. Usage limits and Tokens. Generation volume is limited by quotas/Tokens under the applicable plan. If the limit is exceeded, the User may purchase additional Token packages or switch to another plan. Refund terms for Token packages are set out in Section 5. Tokens from the Starter Pack and separately purchased packages have no expiration date while the Subscription is active; any Tokens may be spent only while a Subscription is active. If the Subscription is paused, accumulated Tokens are retained on the Account for 60 (sixty) calendar days: if the Subscription is resumed within that period, they become available again and are added to new allocations; if the Subscription is not resumed within 60 days, the accumulated Tokens are cancelled. The carry-over of the unused monthly Subscription quota is governed by the plan terms published on the website.

5. Refunds

5.1. Tiered refunds (30-day guarantee). Refunds are provided on a sliding scale depending on when the request is made and the extent of actual use of the Service:

5.2. How usage is calculated. The Service is deemed unused if no generation or request has been performed on the Account and no Tokens have been spent. The usage share is calculated as the ratio of Tokens spent to the monthly Token quota of the plan as of the date of the request; for annual and other multi-month subscriptions, the share is likewise calculated against the monthly — not the aggregate — quota of the period. Current usage is available to the User in the Account dashboard. Time periods run from the date of the relevant payment. Annual and other multi-month subscriptions are refunded on the same terms and within the same timeframes as monthly subscriptions.

5.3. Token packages. Separately purchased Token packages are refundable only if no Token from the package has been used. Once a package has been partially used, no refund is provided.

5.4. After day 30, no refund is provided; the User may nevertheless cancel the Subscription at any time and stop future charges as described in Section 4.3.

5.5. No refund is provided where the Account has been blocked for a violation of these Terms, or in cases of abuse of the refund feature (including repeated refunds by the same person).

5.6. To request a refund, contact support@okky.nyc. Requests are reviewed within 10 business days; an approved refund is issued to the same payment method within 10 business days of approval. Payment-network and bank fees are not reimbursed. Detailed terms are set out in the Refund Policy.

6. Acceptable Use

The User agrees not to use the Service to create, upload, or distribute content, or for actions, that:

6.1. violate the law of any applicable jurisdiction;

6.2. create images or videos using the likeness, voice, or other identity of a real person without that person's consent (including "deepfakes"), or any content violating rights of publicity or personality, honor, dignity, or business reputation;

6.3. contain sexual material involving minors or any child-exploitation material (an absolute and unconditional prohibition; such activity is stopped and may be reported to the competent authorities);

6.4. contain obscene or pornographic content involving real persons without consent, or material involving violence, hate, discrimination, threats, or harassment;

6.5. infringe the intellectual-property rights of third parties (trademarks, copyrights, and others);

6.6. are misleading, or constitute fraud, phishing, disinformation, or passing off Generated Content as authentic documents or evidence;

6.7. contain malicious code or are aimed at disrupting the Service or circumventing technical restrictions, limits, or security systems;

6.8. are aimed at automated data collection (scraping), reselling access to the models, or using the Service to build a competing service.

6.9. The User is solely responsible for the User's Input and for the use of Output, and warrants that all necessary rights and consents have been obtained. The Company may remove content and block Accounts violating this Section, without a refund.

6.10. Illegal content and cooperation with authorities. The Company may moderate content, preserve evidence, and cooperate with law enforcement. A zero-tolerance policy applies to child sexual abuse material: the Company reports information to the competent authorities (including NCMEC / CyberTipline) to the extent required by U.S. law. Accounts used to create or distribute such content are blocked without a refund.

7. Intellectual Property

7.1. All rights in the Service itself, its software code, design, the Okky brand, logo, brand identity, and mascot belong to the Company. Use without written permission is prohibited (for partners, see the separate Partner Agreement).

7.2. Rights in Generated Content. To the extent permitted by the terms of the Model Providers and applicable law, the Company claims no rights in Output created by the User, and the User may use such Output, including for commercial purposes, subject to compliance with Section 6 and the terms of the relevant Model Providers.

7.3. The User understands that similar or identical Output may be generated for other users, and the Service does not guarantee the uniqueness or protectability of Output.

7.4. The User grants the Company a limited license to process and temporarily store Input and Output to the extent necessary to provide the Service.

7.5. Copyright infringement notices (DMCA). If you believe that content on the Service infringes your copyright, send a notice to the Company's designated agent at support@okky.nyc, including: (a) a description of the protected work; (b) a link to the disputed material; (c) your contact information; (d) a statement of good faith and of the accuracy of the information; and (e) your signature (including electronic). The Company reviews notices and removes infringing content in accordance with the Digital Millennium Copyright Act (DMCA), and may terminate access for repeat infringers.

7.6. A User whose content has been removed may submit a counter-notice using the same procedure.

8. Third-Party Services and Model Providers

8.1. The Service provides access to models and tools of third-party Providers. Use of such models may additionally be governed by the terms of the relevant Providers.

8.2. The Company is not responsible for the actions, availability, policies, or quality of third-party Providers. A third-party Provider's shutdown or change of terms does not constitute a breach by the Company.

9. Disclaimer of Warranties

9.1. THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." The Company does not warrant uninterrupted or error-free operation, or that the Service will meet the User's particular expectations.

9.2. The Company does not warrant the accuracy, lawfulness, or fitness of Generated Content for any purpose and is not responsible for decisions the User makes in reliance on it.

10. Limitation of Liability

10.1. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, the Company, its officers, employees, and partners shall not be liable for lost profits or for indirect, incidental, consequential, or punitive damages arising in connection with the use of, or inability to use, the Service.

10.2. The Company's aggregate liability for any claims relating to the Service is limited to the amounts actually paid by the User for the Subscription during the 3 months preceding the event.

10.3. The User agrees to indemnify the Company and hold it harmless from third-party claims arising from the User's violation of these Terms or of third-party rights.

11. Changes to the Service and the Terms

11.1. The Company may amend these Terms upon no less than 30 days' notice to Users by publishing the new edition on the website or by other means. Continued use of the Service after the changes take effect constitutes acceptance.

11.2. The Company may modify, suspend, or discontinue individual features of the Service.

12. Suspension and Termination

12.1. The Company may suspend or terminate access to the Service and delete an Account in the event of a violation of these Terms, including Section 6, without a refund for the unused period in the case of a gross violation.

12.2. The User may stop using the Service at any time by cancelling the Subscription and/or deleting the Account.

12.3. Sections 6, 7, 9, 10, 13, and 16 survive termination of this agreement.

13. Governing Law and Dispute Resolution

13.1. These Terms are governed by the laws of the State of New York, USA, without regard to conflict-of-laws rules.

13.2. Informal resolution. Before commencing arbitration or litigation, a party shall send the other party a written description of the dispute (to the Company — at support@okky.nyc) and allow 30 days for voluntary resolution.

13.3. Binding individual arbitration. Any dispute not resolved voluntarily shall be resolved by binding arbitration on an individual basis before a single arbitrator under the Consumer Arbitration Rules of the American Arbitration Association (AAA Consumer Arbitration Rules). The seat of arbitration is New York City, New York; hearings may be conducted remotely (by videoconference) or, where the AAA consumer rules so provide, in the User's place of residence; the language of the arbitration is English. Fees are allocated under the AAA rules for consumer disputes; arbitration costs in excess of the User's filing fee under those rules are borne by the Company, unless the arbitrator finds that the claim was frivolous. If 25 or more substantially similar demands are filed in coordination by the same representatives, the demands shall be administered in sequential batches in the manner provided by the applicable AAA rules for mass arbitrations. This Section is governed by the U.S. Federal Arbitration Act.

13.4. Arbitrator's authority (delegation). Questions concerning the applicability, validity, and scope of this arbitration provision shall be decided by the arbitrator, except for questions concerning the validity of the class action waiver (Section 13.5), which shall be decided by a court.

13.5. Class action waiver. Disputes shall be resolved only on an individual basis. The parties waive participation in class, collective, or representative actions and in class arbitrations to the maximum extent permitted by law; the arbitrator may not consolidate the claims of different persons. If the class action waiver is found unenforceable as to a particular claim, that claim shall be heard by a court, and the remaining claims in arbitration.

13.6. Right to opt out of arbitration. The User may opt out of this arbitration provision by sending a notice to support@okky.nyc stating the User's name and Account email within 30 days of first accepting these Terms. Opting out of arbitration does not affect the remaining Terms.

13.7. Exceptions. This Section does not deprive either party of the right: (a) to bring a claim in small claims court where within its jurisdiction; (b) to seek injunctive relief in court in connection with infringement of intellectual-property rights or unauthorized access to the Service. For claims not subject to arbitration, the exclusive venue shall be the state and federal courts located in New York City, New York, and the parties consent to their personal jurisdiction.

13.8. If any provision of these Terms is held invalid, the remaining provisions remain in force. Nothing in this Section deprives a consumer of rights granted by mandatory consumer-protection laws that cannot be waived.

14. Miscellaneous

14.1. These Terms, together with the Privacy Policy, the Cookie Policy, and the Refund Policy, constitute the entire agreement between the parties with respect to the Service and supersede all prior understandings on its subject matter.

14.2. The Company's failure to exercise any right does not constitute a waiver of that right.

14.3. Section headings are for convenience only and do not affect interpretation.

14.4. Force majeure. The Company is not liable for any failure or delay in performance due to circumstances beyond its reasonable control, including network and hosting failures, acts or failures of third-party providers, power and communications outages, natural disasters, fires, epidemics, acts of war or terrorism, and acts of governmental authorities.

14.5. Assignment. The User may not transfer the User's rights and obligations under these Terms without the Company's written consent. The Company may assign or transfer this agreement in connection with a reorganization, merger, acquisition, or sale of assets, with notice given as described in Section 11.1.

14.6. Notices. The Company sends legally significant notices to the email address specified in the Account or publishes them in the Service; the User sends notices to the Company at support@okky.nyc. A notice is deemed received on the day it is sent to the specified address.

14.7. Electronic communications and signatures. By using the Service, the User agrees to receive the Company's legally significant communications electronically and acknowledges that electronic agreements, consents, and signatures have the same force as those executed on paper.

14.8. Feedback. If the User sends the Company suggestions, ideas, or feedback about the Service, the Company may use them without restriction and without compensation.

14.9. No third-party beneficiaries. These Terms create no rights or claims for persons who are not parties to them.

15. International Use, Export Controls, and Sanctions

15.1. The Company is registered in the United States and operates in accordance with the laws of the United States of America. The Service is available to users in various countries; in all cases, the requirements of U.S. federal law and the laws of the State of New York take priority.

15.2. Export controls. The Service, including its software and artificial-intelligence technologies, is subject to U.S. export laws, including the Export Administration Regulations (EAR). The User agrees not to export, re-export, or transfer access to the Service in violation of those rules.

15.3. Sanctions restrictions. Use of the Service is prohibited for persons subject to U.S. sanctions, including persons on the lists of the Office of Foreign Assets Control (OFAC), including the Specially Designated Nationals (SDN) list, as well as persons located in jurisdictions subject to comprehensive U.S. sanctions. By registering, the User confirms that the User is not such a person and is not acting on behalf of such persons.

15.4. Screening and blocking. The Company may screen users for compliance with sanctions requirements, request supporting information, and immediately suspend or terminate access where there are grounds to believe that use of the Service violates sanctions or export laws. In such cases, no refund is issued if the refund itself would violate the applicable restrictions.

15.5. Availability by country. The Service may be unavailable, or only partially available, in certain countries. The Company may restrict access on a geographic basis without prior notice.

15.6. Compliance with local law. The User is solely responsible for complying with the laws of the User's country, including rules on the use of artificial-intelligence technologies, data protection, and taxation. If use of the Service is prohibited by local law, the User must refrain from using it.

15.7. Language. These Terms may be published in several languages. In the event of any discrepancy between versions, the English version published on the Company's website prevails.

16. Biometric Data and Image-Processing Features

16.1. Certain features of the Service (the photo and video studio, avatars, face-swap templates, voice features) process facial images and voice recordings, which in a number of jurisdictions are considered biometric data or biometric identifiers.

16.2. Consent. By uploading content containing your own face or voice and launching the relevant feature, the User gives explicit consent to the processing of such data solely to perform the requested generation. Uploading images or the voice of other persons is permitted only where the User has their documented consent (for minors — the consent of a legal guardian); the User is responsible for having such consent (see Section 6.2).

16.3. Retention and deletion. Biometric data is processed only to the extent necessary to perform the feature and is deleted or de-identified upon satisfaction of the purpose of processing, and in any event no later than 3 (three) years after the User's last interaction with the Service — whichever occurs first. The User may request earlier deletion via support@okky.nyc.

16.4. No sale or profiling. The Company does not sell, lease, or transfer biometric data for advertising, profiling, or identification purposes. Disclosure is possible only to processing providers necessary to perform the feature, and where expressly required by law.

16.5. Jurisdictional restrictions. In jurisdictions where the law requires separate written consent to the processing of biometrics (including the states of Illinois, Texas, and Washington), the relevant features may request additional in-product consent or may be unavailable. The Company may restrict access to such features on a geographic basis.

Contact

OKKY LLC Address: 48 Wall Street, Suite 1100 PMB 1076, New York, NY 10005, United States Email: support@okky.nyc Website: okky.nyc