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Terms of Use

Effective Date: March 30, 2026

These Terms of Use ("Terms") govern your access to and use of Lootra's platform, including (a) the website located at lootra.ai and any associated subdomains, (b) the Lootra mobile application available on Apple's App Store for iOS devices, (c) the Lootra mobile application available on Google Play for Android devices, and (d) any related software, content, tools, features, and services made available through any of the foregoing (collectively, the "Service").

Lootra is a product operated by Coddy, Inc., a Delaware corporation ("Coddy," "Lootra," "we," "our," or "us").

By accessing 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 eighteen (18) years of age to create an account or use the Service. By accessing or using the Service, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding agreement. If you are under 18, you may not access or use the Service under any circumstances.

We do not knowingly collect personal information from anyone under the age of 18. If we learn that we have collected personal information from a user under 18, we will promptly delete that information and terminate the associated account.

If you use the Service on behalf of a company or other entity, you represent that you have authority to bind that entity to these Terms.

2. The Service

Lootra provides educational content, tools, and features related to AI and AI-powered tools. These Terms apply regardless of how you access the Service — whether through a web browser, a mobile application, or any other means.

We may modify, update, suspend, or discontinue any part of the Service at any time, with or without notice.

If you access the Service through a mobile application downloaded from the Apple App Store or Google Play Store (each, an "App Store"), you acknowledge and agree that: (i) these Terms are between you and Coddy, Inc. only, and not with the App Store provider; (ii) your use of the mobile application is also subject to the usage rules set forth in the applicable App Store's terms of service; (iii) the App Store provider has no obligation to provide maintenance or support services for the mobile application; and (iv) the App Store provider is a third-party beneficiary of these Terms as they relate to your use of the mobile application, and may enforce these Terms against you in that capacity.

3. Accounts

Some features may require you to create an account. You agree to provide accurate, current, and complete information and to keep it updated.

You are responsible for safeguarding your account credentials and for all activities that occur under your account.

We may suspend or terminate your account if we reasonably believe that you violated these Terms or used the Service in a harmful, unlawful, or abusive way.

4. Acceptable Use

You agree not to:

  • use the Service in violation of any law or regulation;
  • interfere with or disrupt the Service or its security;
  • attempt to gain unauthorized access to the Service, accounts, or related systems;
  • upload, submit, or share content that is unlawful, infringing, abusive, harmful, deceptive, or otherwise objectionable;
  • use the Service to transmit spam, malware, or harmful code;
  • copy, scrape, reverse engineer, or exploit any part of the Service except as allowed by law.

5. User Content

If you upload, submit, or share content through the Service ("User Content"), you retain ownership of your User Content.

You grant us a worldwide, non-exclusive, royalty-free license to host, store, reproduce, modify, and display your User Content only as needed to operate, provide, improve, and support the Service.

You are solely responsible for your User Content and represent that you have all rights necessary to provide it and allow us to use it under these Terms.

6. Intellectual Property

The Service, including its software, design, branding, text, graphics, content, and other materials, is owned by Coddy, Inc. or its licensors and is protected by intellectual property laws.

Except for the limited right to use the Service under these Terms, no rights are granted to you.

7. Paid Features

Some parts of the Service may require payment, including subscriptions or one-time purchases.

If you purchase a paid feature, you agree to pay all applicable fees and taxes.

Unless otherwise stated at the time of purchase, subscriptions renew automatically until canceled. You may cancel future renewals at any time through your account settings or the platform through which you subscribed.

8. 30-Day Money-Back Guarantee

We stand behind the quality of our content. If you are not satisfied with the Service, you may request a full refund within thirty (30) calendar days of your original purchase date (the "Guarantee Period"), subject to the conditions below.

To be eligible for a refund under this guarantee, all of the following must be true:

  • Timely request. Your refund request must be submitted within the Guarantee Period. Requests received after the 30th calendar day from the date of purchase will not be honored under this guarantee.
  • Good-faith use. You must have made a genuine attempt to engage with the Service. At a minimum, you must have completed at least one (1) full course available on the Platform. This condition ensures that refund requests are based on actual experience with our content.
  • Written explanation. You must submit a brief written explanation of why the Service did not meet your expectations, including specific feedback about the content quality.
  • First-time guarantee only. This guarantee may be used once per customer. If you have previously received a refund under this guarantee and subsequently re-subscribe, you will not be eligible for a second refund.
  • No abuse. We reserve the right to deny a refund request if we reasonably determine that the guarantee is being abused. Examples include creating multiple accounts to obtain repeated refunds, downloading or copying substantial portions of course content before requesting a refund, or completing a majority of the available courses before requesting a refund.

To request a refund, contact us at info@coddy.tech with the subject line "Refund Request" and include your account email address, date of purchase, and a brief explanation as described above. We will process eligible refund requests within fourteen (14) business days. Refunds will be issued to the original payment method.

This money-back guarantee applies only to subscription fees paid directly to Coddy, Inc. Purchases made through the Apple App Store or Google Play Store are subject to the refund policies of the respective store, and you must contact the store directly for refunds of those purchases.

9. Refunds and Cancellation

Subscriptions. Outside of the 30-Day Money-Back Guarantee described above, subscription refunds are available only within fourteen (14) days of the original purchase date and only if you have not accessed or used the Service during that period. Refunds will not be issued for unused portions of any subscription period.

One-Time Purchases. All one-time purchases — including but not limited to AI token packs, prompt packs, and similar digital goods — are final and non-refundable.

Other Refund Requests. Any refund request that does not fall under the 30-Day Money-Back Guarantee or the 14-day subscription policy above will be reviewed on a case-by-case basis at our sole discretion. We are not obligated to grant such requests.

Cancellation. You may cancel your subscription at any time through your account settings or the platform through which you subscribed. Cancellation takes effect at the end of the current billing period. You will continue to have access to the Service until the end of your paid period.

10. Third-Party Services and AI Tools

The Service may include links to or integrations with third-party websites, tools, products, or services. We are not responsible for third-party services, and your use of them is subject to their own terms and policies.

Third-Party AI Tools. Lootra provides educational content about third-party artificial intelligence tools and services, including but not limited to ChatGPT (OpenAI), Claude (Anthropic), Gemini (Google), Runway, and others. Lootra is not affiliated with, endorsed by, or officially connected to any of these third-party providers. All product names, logos, and trademarks mentioned or displayed on the Service are the property of their respective owners. References to third-party tools are made solely for educational purposes.

AI Chat Feature.The Service may allow you to interact with third-party AI models through our platform ("AI Chat"). You acknowledge and agree that: (i) AI-generated outputs may contain errors, inaccuracies, or outdated information; (ii) AI-generated outputs do not constitute professional advice of any kind, including but not limited to legal, financial, medical, or career advice; (iii) you are solely responsible for evaluating and verifying any AI-generated output before relying on it; and (iv) we make no representations or warranties regarding the accuracy, completeness, reliability, or suitability of any AI-generated content.

Rapid Evolution of AI Tools. AI tools and technologies evolve rapidly. Features, interfaces, capabilities, and pricing of third-party AI tools referenced in our courses or available through our platform may change at any time without notice. We make no guarantees that our educational content will reflect the most current version of any third-party tool at all times.

11. Privacy

Your use of the Service is also subject to our Privacy Policy, which explains how we collect, use, and share your information.

12. Disclaimers

The Service is provided on an "as is" and "as available" basis.

To the maximum extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, and availability.

We do not guarantee that the Service will be uninterrupted, secure, or error-free.

Educational Content Disclaimer. All content provided through the Service — including courses, tutorials, guides, and tips — is for informational and educational purposes only. It is not intended to constitute professional advice of any kind.

Earnings Disclaimer. Some content on the Service may reference opportunities to generate income or achieve financial results using AI tools or related skills. We make no representations, warranties, or guarantees — express or implied — that you will achieve any particular financial outcome, earn any specific amount of money, or experience any specific results from applying the information provided. Individual results vary and depend on many factors, including but not limited to your experience, effort, market conditions, and circumstances beyond our control. Any income examples, case studies, or testimonials shared on the platform are illustrative only and should not be interpreted as a promise or guarantee of earnings.

AI-Generated Content Disclaimer.Certain features of the Service allow you to access responses generated by third-party artificial intelligence models. Such AI-generated content is provided "as is" without any warranty of accuracy, completeness, or fitness for any purpose. You should not rely on AI-generated content as a substitute for professional judgment or independent verification.

13. Limitation of Liability

To the maximum extent permitted by law, Coddy, Inc., Lootra, and their affiliates, officers, employees, contractors, and partners will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenues, data, goodwill, or business opportunities arising out of or related to your use of the Service.

To the maximum extent permitted by law, our total liability for all claims arising out of or relating to the Service or these Terms will not exceed the greater of:

  • the amount you paid us in the 12 months before the event giving rise to the claim; or
  • USD $50.

14. Indemnification

You agree to indemnify and hold harmless Coddy, Inc., Lootra, and their affiliates, officers, employees, contractors, and partners from and against any claims, damages, losses, liabilities, and expenses arising out of or related to:

  • your use of the Service;
  • your User Content;
  • your violation of these Terms; or
  • your violation of any law or third-party rights.

15. Termination

You may stop using the Service at any time.

We may suspend or terminate your access to the Service at any time if we reasonably believe that you violated these Terms, created legal or security risk, or if we discontinue the Service.

Sections that by their nature should survive termination will survive, including ownership, disclaimers, limitation of liability, indemnification, and governing law.

16. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will post the updated Terms and update the Effective Date.

Your continued use of the Service after the updated Terms become effective means you accept the revised Terms.

17. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to conflict of laws principles.

Any dispute arising out of or relating to these Terms or the Service shall be brought exclusively in the state or federal courts located in Delaware, and you consent to their jurisdiction.

18. General

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.

Our failure to enforce any provision of these Terms is not a waiver of that provision.

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

19. Contact

If you have questions about these Terms, contact us at:

Coddy, Inc.
651 N Broad Street, Suite 201
Middletown, DE 19709
support@lootra.ai