Terms of Use

Effective Date: August 18, 2026 Last Updated: August 18, 2026

PLEASE READ THESE TERMS CAREFULLY. These Terms of Use ("Terms") are a binding legal agreement between you and Chaptr Inc. ("Chaptr," "we," "us," or "our") and govern your use of the Chaptr mobile application and our website at chaptr.film (together, the "Service").

Chaptr is for adults only. You must be at least 18 years old to use the Service.

Chaptr's characters are artificial intelligence, not real people. When you message a character, you are interacting with AI. See Section 4.

Section 14 contains a binding arbitration agreement and a class-action waiver. Unless you opt out within 30 days as described there, you and Chaptr agree to resolve disputes through individual arbitration rather than in court.

1. Agreement to These Terms

By creating an account, or by accessing or using the Service, you agree to these Terms and to our Privacy Policy at https://chaptr.film/legal-pages/privacy-policy, which is incorporated by reference. If you do not agree, do not use the Service.

Changes. We may update these Terms from time to time. If we make material changes, we will notify you by in-app notice or a prominent notice on the Site at least 30 days before they take effect, and we will update the "Last Updated" date above. Your continued use of the Service after changes take effect means you accept the updated Terms. If you do not agree, you must stop using the Service and may close your account.

2. Eligibility and Accounts

Adults only. You must be at least 18 years old to use Chaptr. We ask for your date of birth during onboarding and do not permit accounts for anyone under 18. By using the Service, you represent that you are 18 or older. If we learn that a user is under 18, we will terminate the account and delete the associated information.

Your representations. You also represent that: (a) you are not barred from using the Service under the laws of your jurisdiction or any applicable sanctions or export laws; (b) the information you provide is accurate; and (c) you will comply with these Terms and all applicable laws.

Anonymous accounts. Chaptr accounts are anonymous — we do not collect your name or email address. Because of this, we may be unable to restore access to an account or its purchases if you lose access to your device, and we may be unable to verify that an account belongs to you. You are responsible for activity that occurs through your account on your device.

Account closure. You may stop using the Service and request deletion of your account and data at any time through the in-app settings or by emailing support@chaptr.film. Data handling on closure is described in our Privacy Policy.

3. The Service

Chaptr is an entertainment service where you can watch AI-generated cinematic series produced by Chaptr and exchange messages with AI-generated characters that continue those stories. The Service also lets you save titles and track your watch progress.

We may add, change, suspend, or discontinue any part of the Service at any time, including individual series, characters, or features, and we may set or change limits (for example, on messages or usage). We will try to give reasonable notice of material changes that adversely affect you, except where changes are needed for security, legal, or operational reasons.

The Service is entertainment. It is not intended for emergencies and is not a medical, legal, financial, psychological, crisis, or other professional service. Do not rely on it as one.

4. AI Characters and Chat

This Section is important — please read it in full.

Characters are artificial intelligence, not human. Every reply you receive from a Chaptr character is generated automatically by an AI model. Characters are fictional, do not represent real individuals, and have no independent knowledge, feelings, or judgment. A clear notice that you are chatting with AI is shown in the messaging experience, and is repeated periodically during extended sessions.

How your messages are processed. When you send a message to a character, your message and recent conversation history are transmitted to our third-party AI provider, OpenAI, which generates the reply and returns it to us. OpenAI processes this data on our behalf and is contractually prohibited from using it for its own purposes, including model training. Before you first use the chat feature, we present this disclosure and ask for your consent. By using the chat feature after that disclosure, you consent to this processing. Full details are in our Privacy Policy.

AI output can be wrong or inappropriate. AI-generated replies may be inaccurate, incomplete, offensive, or otherwise inappropriate, and may not reflect real facts, real events, or any person's actual views. You should not rely on AI output as a statement of fact.

Not professional advice. Chaptr and its characters do not provide medical, legal, financial, psychological, mental-health, or other professional advice, and are not a substitute for a qualified professional. Do not make decisions with legal, financial, health, or safety consequences based on AI output. If you need help, consult a licensed professional. If you are in crisis or someone may be in danger, contact your local emergency services. In the United States, you can call or text the 988 Suicide & Crisis Lifeline.

Your messages. You are responsible for what you send to characters. Do not send content that violates Section 5, and do not send sensitive personal information (such as financial account numbers, government identifiers, passwords, precise location, or health information) about yourself or anyone else.

Safety systems. We use automated tools, and in some cases limited human review of flagged conversations, to detect prohibited content and signals that a user may be at risk, and to surface crisis-support resources where appropriate. We may refuse, filter, or interrupt any AI request. Chaptr is not a crisis service.

No guarantee of availability. Characters, series, and AI features may be unavailable, delayed, rate-limited, or changed at any time. Conversations and characters may not remain available indefinitely.

5. Acceptable Use

You agree not to use the Service to do any of the following:

Child safety (zero tolerance). Do not attempt to generate, request, or elicit any content that sexualizes, exploits, or endangers a minor, including any sexual or suggestive content involving a minor or a character presented as a minor. We report apparent child sexual abuse material to the National Center for Missing & Exploited Children (NCMEC) and, as appropriate, to law enforcement. Violations result in immediate termination.

Prohibited content. Do not attempt to generate, request, or elicit content that: depicts non-consensual sexual activity; sexualizes or depicts a real, identifiable person without consent; promotes, encourages, or provides instructions for suicide, self-harm, or eating disorders; promotes terrorism, violent extremism, or violence against any person or group; constitutes hate speech targeting protected characteristics; harasses, threatens, or defames any person; or facilitates serious physical harm or unlawful activity.

Safety-system circumvention. Do not attempt to bypass, disable, or manipulate our safety systems, content filters, or age controls, including through "jailbreak" prompts or similar techniques.

Platform integrity. Do not: use malware or harmful code; access the Service or other users' accounts without authorization; scrape, crawl, or harvest data from the Service; reverse engineer, decompile, or attempt to derive our source code, prompts, or model weights (except to the extent this restriction is prohibited by law); copy, record, redistribute, or publicly perform our series or episodes outside the Service; circumvent usage limits, paywalls, or purchase requirements; or interfere with or overburden the Service.

We may investigate suspected violations and take any action we consider appropriate, including removing content, limiting or disabling features, and suspending or terminating your account — immediately and without notice where necessary to protect users, comply with law, or prevent harm.

6. Reporting

You can report a character response, or any content or behavior on the Service that concerns you, using the in-app reporting tools or by emailing support@chaptr.film. We review reports and take action we consider appropriate, and we prioritize reports indicating a risk to someone's safety.

Copyright. If you believe content on the Service infringes your copyright, send a notice to support@chaptr.film that includes: identification of the copyrighted work; identification of the material you believe infringes and where it is located; your contact information; a statement that you have a good-faith belief the use is not authorized; a statement, under penalty of perjury, that your notice is accurate and that you are the rights holder or authorized to act on its behalf; and your signature. We will review complete notices and remove or disable access to infringing material where appropriate.

7. Intellectual Property

The Service — including the Chaptr app and website, our software, our series, episodes, characters, artwork, music, text, designs, the "Chaptr" name and logo, and all related intellectual-property rights — is owned by Chaptr or its licensors and protected by law.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial entertainment only. You may not copy, modify, distribute, sell, lease, publicly perform, or create derivative works from any part of the Service or its content, except as expressly permitted. All rights not expressly granted are reserved. You may not use our trademarks without our prior written permission.

Character replies. Replies generated by characters are part of the Service and are provided to you under the license above for your personal, non-commercial use. We do not claim ownership of the messages you write, and you grant us a worldwide, royalty-free license to host, store, process, and transmit your messages and conversation history as necessary to operate, secure, and improve the Service, as described in our Privacy Policy.

Feedback. If you send us suggestions or feedback, you grant us a perpetual, irrevocable, royalty-free license to use it for any purpose without obligation to you.

8. Payments, Subscriptions, and Coins

Overview. Chaptr offers a free tier, a Chaptr Premium subscription, and Coins. Prices and what they include are shown in the app before you buy. Purchases are processed by the Apple App Store or Google Play under their terms, and managed on our side by our purchase-management provider.

Free tier. We offer free access to part of the Service. What is available for free may change, and some content and features require Premium or Coins.

Chaptr Premium (auto-renewing subscription). Premium is available on weekly, monthly, or annual billing plans. Your subscription renews automatically for the same period at the then-current price until you cancel, and your payment method is charged at the start of each period. Manage or cancel through your app-store account settings; you must cancel before the renewal date to avoid the next charge. Deleting the app does not cancel a subscription.

Coins. Coins are a virtual currency you can buy and use in the app to unlock episodes and purchase virtual items and features. Coins and virtual items are licensed, not sold, to you for use within the Service. They have no monetary value, are not your property, cannot be redeemed for cash or transferred outside the Service except where required by law, and may expire. The price of Coins, the number of Coins needed to unlock content, and the availability of items may change. We may manage, modify, or discontinue Coins and virtual items at any time, and except where required by law we have no liability for doing so.

Free trials and promotions. If you start a free trial or promotional offer, you may be charged the applicable price when it ends unless you cancel first, per the terms disclosed at sign-up.

Refunds. Except where required by law or by an app-store policy, payments are non-refundable, and there are no refunds or credits for partially used subscription periods, unused Coins or virtual items, or content you can no longer access. Refund requests for app-store purchases must be made to the relevant app store.

Price changes. We may change prices. For subscriptions, we will give advance notice as required by law and, where required, obtain your consent before the change takes effect; otherwise the new price applies at your next renewal.

Taxes. Prices may not include taxes, which may be added to your purchase.

EU/EEA and UK consumers — right of withdrawal. For digital content, Coins, and virtual items delivered immediately, you expressly request that we begin performance at once and acknowledge that you lose your statutory 14-day right of withdrawal once delivery has begun. This does not affect mandatory consumer rights that cannot be waived.

9. Third-Party Services and App Stores

Third-party services. The Service relies on third-party providers (including app stores and the AI, hosting, video, analytics, and advertising-measurement providers named in our Privacy Policy). We are not responsible for third-party services, and your use of them is governed by their terms.

Apple-specific terms. If you download the app from the Apple App Store, you acknowledge and agree that:

• These Terms are between you and Chaptr only, not Apple, and Apple is not responsible for the Service or its content.

• Your license is a limited, non-transferable license to use the app on Apple-branded devices you own or control, as permitted by the App Store Terms of Service.

• Apple has no obligation to provide maintenance or support. Support requests go to support@chaptr.film.

• To the maximum extent permitted by law, Apple has no warranty obligation for the app. If the app fails to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price (if any); Apple has no other warranty obligations.

• Apple is not responsible for addressing any claims by you or a third party relating to the app, including product-liability claims, claims that the app fails to conform to a legal or regulatory requirement, and consumer-protection or privacy claims. Chaptr, not Apple, is responsible for such claims as provided in these Terms.

• Apple is not responsible for investigating, defending, settling, or discharging any third-party intellectual-property infringement claim relating to the app; Chaptr is responsible as provided in these Terms.

• You represent that you are not located in a country subject to a U.S. Government embargo or designated as "terrorist supporting," and are not on any U.S. Government list of prohibited or restricted parties.

• Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, have the right to enforce them against you.

Google Play. If you download the app from Google Play, your use is also subject to the Google Play Terms of Service.

10. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE AND ALL CONTENT AND AI OUTPUTS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Without limiting the above, Chaptr does not warrant that the Service will be uninterrupted, secure, or error-free; that content or AI outputs will be accurate, reliable, appropriate, safe, or fit for any purpose; or that defects will be corrected. You use the Service and rely on any AI output at your own risk.

Some jurisdictions do not allow the exclusion of certain warranties, so parts of the above may not apply to you. Nothing in these Terms limits mandatory consumer rights that cannot be waived under applicable law.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CHAPTR AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THE SERVICE, ITS CONTENT, OR AI OUTPUTS, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CHAPTR'S TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE IN ANY 12-MONTH PERIOD WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID CHAPTR DURING THAT PERIOD, OR (B) ONE HUNDRED U.S. DOLLARS (US$100).

These limitations do not apply to liability that cannot be limited or excluded under applicable law, including for gross negligence or willful misconduct, or, where applicable, for death or personal injury caused by negligence. Nothing in these Terms limits your mandatory rights as a consumer under the law of your country of residence.

12. Indemnification

To the maximum extent permitted by law, you agree to indemnify and hold harmless Chaptr and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or relating to: (a) the messages and other content you submit; (b) your use or misuse of the Service; (c) your violation of these Terms or any law; or (d) your violation of any third party's rights. We may assume exclusive defense and control of any matter subject to indemnification by you, and you will cooperate with us. This Section does not apply to the extent a claim arises from Chaptr's own conduct, and applies to consumers only to the extent permitted by applicable law.

13. Term and Termination

These Terms apply while you use the Service. You may stop using the Service and request account deletion at any time. We may suspend or terminate your access at any time, with or without notice, if you violate these Terms, if required by law, or if we reasonably believe it is necessary to protect the Service or others. We may also discontinue the Service or any part of it.

On termination, your right to use the Service ends, and any unused Coins or virtual items are forfeited except where required by law. Sections that by their nature should survive — including 4 (disclaimers), 5, 7, 10, 11, 12, 14, and 15 — survive termination. Data handling after termination is described in our Privacy Policy.

14. Dispute Resolution; Arbitration; Governing Law

Please read this Section carefully. It affects your legal rights.

Informal resolution first. Before starting an arbitration or court proceeding, you agree to try to resolve the dispute informally by emailing support@chaptr.film with a description of the dispute and the relief you seek. You and Chaptr will try in good faith to resolve it for 60 days. If we cannot, either party may proceed as set out below.

Binding arbitration. Except as provided below, you and Chaptr agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court. The arbitrator decides all issues, except that a court decides the enforceability of the class-action waiver. Judgment on the award may be entered in any court with jurisdiction.

Class-action and jury waiver. You and Chaptr may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any class, collective, or representative proceeding. The arbitrator may not consolidate claims or preside over any class proceeding. You and Chaptr waive any right to a jury trial.

Coordinated filings. If 25 or more similar arbitration demands are submitted by or with the assistance of the same or coordinated counsel, the demands will be administered in staged batches of up to 50, with a single filing fee per batch and a bellwether process. Applicable limitation periods are tolled for demands awaiting a batch.

Exceptions. Either party may (a) bring an individual claim in small-claims court if it qualifies, and (b) seek injunctive or equitable relief in court to protect intellectual-property rights or address unauthorized access to the Service.

Your right to opt out. You may opt out of this arbitration agreement (including the class-action waiver) within 30 days after first accepting these Terms by emailing support@chaptr.film with your anonymous account identifier and a clear statement that you opt out of arbitration. Opting out does not affect any other part of these Terms.

Severability. If the class-action waiver is found unenforceable as to a particular claim or request for relief, that claim or request will be severed and heard in court, and the rest of the arbitration agreement remains in effect.

Governing law and venue. These Terms and any dispute are governed by the laws of the State of New York and applicable U.S. federal law (including the Federal Arbitration Act for the arbitration provisions), without regard to conflict-of-laws rules. For disputes not subject to arbitration and brought in court, the state and federal courts in New York County, New York have exclusive jurisdiction, and you consent to personal jurisdiction and venue there.

Consumers outside the United States. If you are a consumer residing in the EU/EEA, the UK, or another jurisdiction granting non-waivable rights, nothing in this Section deprives you of the protection of the mandatory consumer-protection provisions of the law of your country of residence, and you may be entitled to bring proceedings in your local courts. The arbitration and class-waiver provisions apply only to the extent permitted by the law applicable to you. EU consumers may also use the European Commission's Online Dispute Resolution platform.

15. General

Entire agreement. These Terms, together with the Privacy Policy, are the entire agreement between you and Chaptr regarding the Service.

Severability. If any provision is held unenforceable, it will be limited or removed to the minimum extent necessary, and the remaining provisions remain in effect.

No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.

Assignment. You may not assign these Terms without our prior written consent. We may assign them, including in connection with a merger, acquisition, financing, or sale of assets.

Force majeure. We are not liable for any failure or delay caused by events beyond our reasonable control.

Notices. We may provide notices by in-app notice or by posting on the Site. You may send legal notices to Chaptr Inc., Attn: Legal, c/o Corporation Service Company, 251 Little Falls Drive, Wilmington, New Castle County, DE 19808, United States, or to support@chaptr.film.

Export and sanctions. You agree to comply with all applicable export-control and sanctions laws and represent that you are not located in, or a resident of, an embargoed country and are not on a restricted-party list.

Language. These Terms may be provided in other languages for convenience, but the English version controls to the extent permitted by law.

Relationship. These Terms do not create any agency, partnership, joint venture, or employment relationship.

16. Contact

Chaptr Inc.

• All inquiries — support, legal, privacy, safety, and copyright: support@chaptr.film

• Mail: Chaptr Inc. — Attn: Legal, c/o Corporation Service Company, 251 Little Falls Drive, Wilmington, New Castle County, DE 19808, United States