Terms of service

1. Eligibility and account holder responsibilities

• You must be at least 18 years old (or the age of legal majority in your jurisdiction) to create a Cubs account.
• You must be the parent or legal guardian of every child you add to the family on Cubs and able to provide verifiable parental consent for that child under COPPA, GDPR-K, and any applicable local law.
• Children may not create their own Cubs account. Every child profile sits inside a family administered by a parent account, with the child's access mediated entirely by that parent.
• You confirm that the personal information you provide about yourself and your child is accurate and that you will keep it current.
• You agree to comply with all applicable laws when using the Service, including child-protection and data-privacy laws of your jurisdiction.

2. Your account and credentials

You are responsible for keeping your credentials confidential and for every action taken under your account. Notify us promptly at support@cubsfamily.app if you suspect unauthorized access. We may require multi-factor authentication for accounts that administer a family with children present.

3. AI features and the "propose, then approve" rule

Cubs uses third-party generative-AI services to power tutoring, summaries, family planning, and learning assistance. Two rules apply to every AI surface:

• Propose, then approve. Every AI-mediated action — a calendar event, a chore assignment, a meal plan, a tutoring suggestion, a marketplace interest, a gift-card request — surfaces as a draft that a parent must approve before it takes effect. The Service does not execute legally or financially significant decisions about a child without parent confirmation.
• AI may be wrong. AI output may be incorrect, incomplete, biased, or inappropriate for a specific context. The Service is not a substitute for professional medical, mental-health, legal, financial, or educational advice. You are responsible for reviewing AI output before acting on it.

AI features are disclosed in-product. On surfaces where an AI suggestion appears among other content, an "AI disclosure chip" marks it, satisfying the EU AI Act Art. 50 transparency obligation by saying in plain English that the content is AI-suggested. In the Cubs chat, where every reply is plainly from Cubs, that role is carried by a single line under the message box instead. Alongside it, on every AI surface, sits an age-appropriate reliability line reminding the reader Cubs AI can be wrong — "Always check with a grown-up" for younger kids, "Cubs can be wrong — double-check it" for older kids, and "Output may be inaccurate — review before acting" for parents. In the kid chat that same line also states that a grown-up in the family can read the conversation. The safety surfaces (the distress card, refusals, the age gate, and the parent purchase gate) intentionally stay authoritative and carry no reliability hint. The full AI commitment set lives in the Cubs Promise and the Cubs AI safety standard.

4. Child safety and distress signals

Cubs maintains an always-visible distress card on every kid open-text surface, routing to curated, jurisdiction-appropriate hotlines. The card never auto-expands on sentiment alone. If the AI detects signals of self-harm, abuse, or other acute distress in a child's message, Cubs refuses the underlying request, surfaces the distress card, and writes an audit record visible to the parent. Cubs is not a clinical or emergency service. If you or a child is in immediate danger, call your local emergency number (911 in the US, 999 in the UK, 112 in most EU states, 000 in Australia).

5. Acceptable use

You agree not to, and not to permit anyone using your account to:

• Reverse-engineer, decompile, scrape, or attempt to extract source code, AI internals, or proprietary parts of the Service.
• Probe, scan, or test the vulnerability of the Service outside of our published responsible-disclosure program (support@cubsfamily.app).
• Use the Service to harass, dox, defraud, harm, or endanger any person, especially any child.
• Upload content that infringes a third party's intellectual property, privacy, or publicity rights, or that is illegal.
• Attempt to bypass rate limits, safety filters, AI moderation, parent-approval gates, the parent purchase gate, or the age gate.
• Use automated means (bots, crawlers, headless browsers) to access the Service except through documented public APIs with our written consent.
• Use the Service or its output to build or train a competing product, AI system, or dataset, including by mass-extracting AI responses.
• Misrepresent your identity, age, or relationship to a child profile.
• Use the Service to send unsolicited communications or to get around Cubs's consent or revocation mechanisms.

Violation of this section is grounds for immediate suspension; in serious cases we will report to the appropriate authority.

6. Content and intellectual property

Your content. You retain ownership of content you (or your child, with your consent) submit to the Service. You grant Cubs a non-exclusive, worldwide, royalty-free license to host, store, transmit, modify (for resizing and formatting), display, and process that content solely to provide the Service to your family. This license terminates when you delete the content or your account. We will not use child content to train any AI system, and we will not sell or share your content for advertising.

AI output. Subject to your compliance with these Terms, you own the AI-generated content that Cubs produces in response to your prompts, to the extent ownership is permitted under applicable law. Cubs makes no claim of authorship over AI output but retains all rights in the underlying Service. You are responsible for the use of any AI output (see §3).

Feedback. If you submit ideas, suggestions, or other feedback about the Service, you grant Cubs a non-exclusive, perpetual, irrevocable, royalty-free license to use that feedback to improve the Service without any obligation to you. This feedback license does not transfer any of your content (see above) and does not apply to child-submitted content of any kind.

Cubs IP. Cubs, the Cubs logo, the "Cubs Promise" wordmark, all feature names, prompts, source code, safety controls, and the user interface are the intellectual property of Cubs. No license to any of the foregoing is granted other than the limited right to use the Service.

7. Subscriptions, billing, and the kid-app payment posture

Some features require a paid subscription. Subscriptions renew automatically at the end of each billing period unless cancelled before that period ends. Billing is processed by Stripe (web) or by Apple / Google (iOS / Android, where applicable). Cubs does not store your full payment card number. Cancellation takes effect at the end of the current billing period; we do not pro-rate partial periods except where the law requires (for example, EU consumer rights to cancel within 14 days of purchase, certain Australian Consumer Law rights, and the UK Consumer Rights Act 2015).

Apple in-app purchases. Where you purchase a subscription through the App Store, Apple's billing terms apply alongside these Terms and may take precedence in case of direct conflict regarding billing-only matters. Refunds for App Store purchases follow Apple's refund process.

The kid app never charges a card. Every kid-initiated money-moving action — gift-card request, marketplace interest, family-pot contribution — is routed through the parent purchase gate (see the Privacy policy §15). The kid surface does not invoke Stripe and does not collect payment instruments.

Gift-card hand-fulfillment. When a child submits a gift-card request, no card is charged. The request is saved as a draft for parent approval. On approval, the parent funds the request and our fulfillment partner issues the gift card directly to the parent's email. The child profile never receives or transmits payment-instrument data. We do not guarantee availability of any specific gift-card brand and may remove brands without notice for compliance or risk reasons.

8. Parental consent and child accounts

Your use of any child feature is conditional on a valid, current verifiable parental consent record for that child, captured through one of the FTC-approved methods set out on the Parental consent page. You authorize Cubs to apply your consent across all child features unless you opt out of a specific class of processing in Settings → Privacy & data. Revoking consent stops the next AI request immediately and cascades to deletion of associated data per the Privacy policy.

9. Suspension and termination

You may delete your account at any time in Settings → Privacy & data. We may suspend or terminate accounts that materially breach these Terms, that threaten the safety of another user (especially a child), that are required to be suspended by law, or that show evidence of impersonation or unauthorized parent claims. Where the breach is curable we will give 14 days' notice and an opportunity to cure before termination, except where immediate suspension is necessary to protect a child or comply with the law. On termination your right to use the Service ends; data deletion follows the schedule in the Privacy policy.

10. Disclaimers

The Service is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, Cubs disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, satisfactory quality, accuracy, and non-infringement. Cubs does not warrant that the Service will be uninterrupted, error-free, secure against every possible threat, or that AI output will be accurate or appropriate for every context. Nothing in this section limits any non-excludable consumer warranty, including the Australian Consumer Law guarantees, the UK Consumer Rights Act 2015 quality and service standards, or the implied warranties of the German BGB §§434-435 / French Code de la consommation L. 217-1+ where applicable.

11. Limitation of liability

To the maximum extent permitted by law, Cubs and its affiliates are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits, data, goodwill, or business opportunity, arising from or relating to your use of the Service. Our total cumulative liability for any claim is capped at the greater of (i) the fees you paid Cubs in the 12 months preceding the claim, or (ii) $100.

Carve-outs you cannot waive. Nothing in these Terms limits Cubs's liability for: gross negligence, willful misconduct, fraud, or fraudulent misrepresentation; death or personal injury caused by Cubs's negligence; any liability that cannot be excluded under your jurisdiction's consumer-protection law (including the Australian Consumer Law non-excludable guarantees, the UK Consumer Rights Act 2015, the EU Consumer Sales Directive, French Code de la consommation, German BGB §§309-310, and any analogous protection in your jurisdiction); or any liability that cannot be limited under applicable child-protection law.

12. Indemnity (where permitted)

Where permitted by your local consumer law, you agree to indemnify and hold Cubs harmless from third-party claims arising from your material breach of these Terms, your willful or grossly-negligent misuse of the Service, or content you submit that infringes a third party's rights. This clause does not apply to consumers in jurisdictions that prohibit consumer indemnities in standard-form contracts (for example, consumer protections in Germany, France, the UK, and certain US states).

13. Disputes

Informal resolution first. Before filing any formal claim, please email support@cubsfamily.app with a description of the issue and the relief sought. We will work in good faith to resolve the matter for 60 days from receipt.

Governing law and forum. These Terms are governed by the laws of the State of Delaware, USA, excluding its conflict-of-laws rules. Subject to the carve-outs below, disputes will be resolved in the state or federal courts located in Delaware. You consent to personal jurisdiction in those courts.

Consumer-law carve-outs. Nothing in this section deprives you of the protection of mandatory consumer-rights laws in your jurisdiction of habitual residence. If you are a consumer resident in the European Economic Area, the United Kingdom, or another jurisdiction whose law requires a different forum, you may bring a claim in the courts of your country of habitual residence and that country's law governs the dispute to the extent it is more protective.

No class actions or mass actions involving minors. Because Cubs is a family service, we do not require arbitration of consumer claims and we do not require a class-action waiver. You retain the right to bring an individual or representative action in court to the extent the law permits.

14. Copyright and DMCA

If you believe content on the Service infringes your copyright, send a written notice with the elements required by 17 U.S.C. §512(c)(3) to support@cubsfamily.app. We will respond to valid notices and may remove or disable allegedly infringing content. We terminate the accounts of repeat infringers. For trademark and other intellectual-property concerns, write to support@cubsfamily.app.

15. Changes

We may update these Terms from time to time. Material changes are announced by email and in-app banner at least 30 days before they take effect, except where a shorter notice is required for security or to comply with the law. Continued use after the effective date constitutes acceptance. If you reject a material change you may terminate your account before the effective date; we will refund any prepaid subscription on a pro-rata basis for the unexpired term.

16. Terms specific to the iOS app

Where you download or use the Cubs iOS application from the Apple App Store, the following Apple-required terms apply in addition to these Terms:

• The license granted to you for the iOS application is limited to a non-transferable license to use the application on any Apple-branded products that you own or control, as permitted by the Usage Rules of the App Store Terms of Service.
• Cubs, not Apple, is solely responsible for the application and its content. Apple has no obligation to provide any maintenance or support services with respect to the application.
• Cubs is responsible for addressing any claims relating to the application or your use of it, including but not limited to product-liability claims, regulatory or legal compliance claims, and consumer-protection claims.
• Cubs, not Apple, is responsible for the investigation, defense, settlement, and discharge of any third-party intellectual- property claim that the application or your use of it infringes that third party's intellectual property rights.
• You represent and warrant that (i) you are not located in a country subject to a US government embargo or designated as a "terrorist supporting" country, and (ii) you are not listed on any US government list of prohibited or restricted parties.
• Apple and its subsidiaries are third-party beneficiaries of these Terms with respect to the iOS application and, upon your acceptance of these Terms, have the right (and will be deemed to have accepted the right) to enforce these Terms against you with respect to that application.

17. General provisions

• Entire agreement. These Terms, the Privacy policy, and any policies referenced here constitute the entire agreement between you and Cubs regarding the Service.
• Severability. If any provision is held unenforceable, the rest of the Terms remain in effect; the unenforceable provision will be modified to the minimum extent necessary to make it enforceable.
• No waiver. Failure to enforce any provision is not a waiver of the right to enforce it later.
• Assignment. You may not assign your rights without our written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of all or substantially all of our assets, provided that the successor agrees to the same obligations of confidentiality and child-data protection.
• Force majeure. Neither party is liable for failure to perform due to events outside its reasonable control (natural disasters, acts of government, network failures, pandemic measures), provided commercially reasonable steps are taken to mitigate.
• Electronic communications and signatures. You consent to receive communications from Cubs electronically and to electronic signatures having the same legal effect as wet signatures, where permitted by the US E-Sign Act, UETA, eIDAS, and analogous laws.
• No third-party beneficiaries except Apple. Except for §16, these Terms do not create third-party beneficiary rights.
• Export controls. The Service may not be exported to, or used in, any country subject to applicable US, EU, or UK export embargoes.

18. Contact

Legal notices and questions about these Terms: support@cubsfamily.app. Privacy: support@cubsfamily.app. Security: support@cubsfamily.app.

See also: Privacy policy · Parental consent · Beta waiver · COPPA compliance · The Cubs Promise