Terms of Service
Last updated: April 30, 2026
These Terms of Service ("Terms") govern your access to and use of the Credo mobile application, websites, and related services (the "Service") provided by Loch Inc. ("Loch Inc.", "we", "us"). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
1. Eligibility
You must be at least 13 years old (or 16 in the EEA / UK) to use the Service. By using Credo you represent that you meet this requirement and that you have the legal capacity to enter into these Terms.
2. Your account
- You are responsible for the credentials you use to access Credo — including any third-party identity provider (e.g. Google Sign-In) you choose.
- You are responsible for activity that occurs under your account. Notify us promptly at prithvir@loch.one if you believe your account has been compromised.
3. Your content
You retain ownership of the reflections, recordings, and other content you submit to the Service ("Your Content"). You grant Loch Inc. a worldwide, non-exclusive, royalty-free license to host, store, copy, transmit, and display Your Content solely as needed to operate, secure, and improve the Service for you. We do not claim ownership of Your Content and will not use it for advertising.
4. Acceptable use
You agree not to:
- Use the Service to violate any law or anyone else's rights.
- Upload content that is unlawful, defamatory, harassing, hateful, sexually exploitative, or that incites violence.
- Attempt to access another user's account, interfere with the Service, probe its security, or scrape it at scale.
- Reverse engineer, decompile, or attempt to extract source code, except where applicable law expressly permits it.
- Use the Service to build a competing product or train machine-learning models on other users' content.
5. Spiritual and informational content
Loch Inc. offers contemplative, devotional, and educational content through Credo. It is provided for personal reflection and is not medical, psychological, legal, financial, or pastoral advice. If you need professional help, please seek a qualified professional.
6. Subscriptions and purchases
Some features may require a paid subscription or one-time purchase through the Apple App Store or Google Play. Purchases are governed by the applicable platform's terms; refunds are handled by the platform unless otherwise required by law. Free trials, if offered, automatically convert to paid subscriptions unless cancelled before the trial ends.
6a. Referral program
Loch Inc. offers a referral program through which existing users can invite friends. Referrals are governed by the following rules:
- Rewards are issued only as in-app points, an internal currency with no cash value, no exchange value outside Credo, and no relationship to App Store or Play Store purchases. No purchase is required to earn or use them.
- Each new account may be attributed to at most one referrer, determined by the first valid code we receive (clipboard, manual entry, or universal link). Self-referrals and attempts to attribute an existing account are not eligible.
- We may withhold or revoke rewards from accounts created via fraudulent means, including but not limited to disposable email addresses, automated signups, or coordinated abuse of a single referral code.
- Loch Inc. reserves the right to modify or end the referral program at any time. Points already earned will remain in your account.
7. Third-party services
The Service integrates with third-party providers (for example, Supabase for infrastructure and Google Sign-In for authentication). Your use of those services is governed by their own terms and privacy policies. We are not responsible for the practices of third parties.
8. Intellectual property
Loch Inc., the "Credo" name, logos, and the Service itself (excluding Your Content) are owned by us or our licensors and are protected by intellectual property laws. We grant you a limited, personal, non-transferable, revocable license to use the Service in accordance with these Terms.
9. Termination
You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you breach these Terms, create risk or legal exposure for us, or use the Service in a way that could harm others. Sections that by their nature should survive termination (e.g. ownership, disclaimers, limitations of liability) will survive.
10. Disclaimers
The Service is provided "as is" and "as available", without warranties of any kind, whether express, implied, statutory, or otherwise, including merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the Service will be uninterrupted, secure, error-free, or that any content will be accurate.
11. Limitation of liability
To the maximum extent permitted by law, Loch Inc. and its officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, data, or goodwill, arising out of or related to the Service. Our total liability for any claim arising out of these Terms or the Service will not exceed the greater of (a) the amount you paid us in the 12 months before the event giving rise to the claim, or (b) USD $50.
12. Indemnification
You agree to defend and indemnify Loch Inc. from any claims, damages, or expenses arising out of your use of the Service, Your Content, or your breach of these Terms, except to the extent caused by our gross negligence or willful misconduct.
13. Governing law and disputes
These Terms are governed by the laws of the State of California, USA, without regard to its conflict-of-laws rules. Disputes will be resolved in the state or federal courts located in San Francisco County, California, and you and Loch Inc. consent to personal jurisdiction there. If you are a consumer in the EEA, UK, or another jurisdiction with mandatory consumer-protection rules, those rules continue to apply.
14. Changes to these Terms
We may modify these Terms from time to time. If changes are material, we will give reasonable notice (e.g. in-app or by email). Continued use of the Service after the effective date constitutes acceptance of the revised Terms.
15. Contact
Questions about these Terms? Email prithvir@loch.one.