Terms and Conditions

Welcome to Kosuke!

These Terms of Service (“Terms”) govern your access to and use of our website, services, surveys, newsletters, and any related tools provided by Jo & Ko OÜ ("we", "us", or "our"). By using our services, you agree to be legally bound by these Terms.

Please read them carefully.

1. Company Information

Jo & Ko OÜ

Sepapaja 6, Tallinn 15551, Estonia

📧 filippo.pedrazzini@joandko.io

📘 Business Registration: Registered in Estonia

2. Eligibility

To use our services, you must:

• Be at least 16 years old, or have parental/legal guardian consent if required under local law.
• Have the legal capacity to enter into a contract.

3. Services We Provide

Kosuke offers:

• Access to surveys, digital forms, and feedback tools
• Software and web-based tools (if applicable)
• Digital newsletters and publications (via Ghost)
• User account access (via Clerk)
• Payment-based features (via Stripe)

The exact scope of services may evolve over time.

4. User Accounts

If you create an account with us (via Clerk), you are responsible for:

• Keeping your login credentials confidential
• Ensuring your account details are accurate and up to date
• Not sharing your account with others

If you choose to sign in using Google, your account information (such as your name and email) is retrieved from your Google account with your permission, in accordance with our Privacy Policy.

We reserve the right to suspend or delete accounts that violate these Terms or are suspected of misuse.

5. Payments and Subscriptions

Some features or content may require payment via Stripe. When you make a purchase, you agree to:

• Provide accurate billing information
• Authorize Stripe to charge the applicable fees
• Accept Stripe’s Terms of Service

All payments are processed securely by Stripe. We do not store full payment details.

Unless stated otherwise, payments are non-refundable, except where required by law.

6. Use of Content

All content we publish (text, code, graphics, newsletters, etc.) is the property of Jo & Ko OÜ or its licensors. You may not:

• Reproduce, distribute, or modify our content without permission
• Use our services in a way that violates any laws or regulations
• Upload malicious or unlawful content

You may share or link to our publicly available content for non-commercial purposes, with proper attribution.

7. Acceptable Use

You agree not to:

• Use our services for unlawful or fraudulent purposes
• Attempt to disrupt, hack, or reverse-engineer our systems
• Misuse user data or scrape our website
• Impersonate others or create false identities

We reserve the right to suspend or ban users violating this policy.

8. Third-Party Services

We use trusted third-party providers to deliver our services, including:

Your use of our services is also subject to the terms of these providers, where applicable.

9. Termination

You may stop using our services at any time.

We may suspend or terminate your access if:

• You violate these Terms
• You misuse or abuse our platform
• We are legally required to do so

In case of termination, your data will be retained or deleted according to our Privacy Policy and legal obligations.

10. Limitation of Liability

To the extent permitted by law:

• Our services are provided “as-is” and without warranties.
• We are not liable for indirect, incidental, or consequential damages.
• Our total liability is limited to the amount you paid us in the 12 months prior to the issue arising.

Nothing in these Terms excludes any mandatory legal rights you may have under EU law.

11. Changes to These Terms

We may update these Terms from time to time. If we make significant changes, we will:

• Notify you via email or through the platform
• Update the “Last updated” date

By continuing to use the service after changes, you agree to the new Terms.

12. Governing Law

These Terms are governed by the laws of Estonia and the European Union.

Any disputes will be resolved in the courts of Tallinn, Estonia, unless otherwise required by applicable consumer protection laws.

13. Contact

If you have any questions about these Terms, contact:

Filippo Pedrazzini

📧 filippo.pedrazzini@joandko.io

🏢 Jo & Ko OÜ, Sepapaja 6, Tallinn 15551, Estonia