Terms of Service

Last updated: September 23, 2026

1. Agreement

These Terms of Service ("Terms") govern your access to and use of Cosmic ("Cosmic", "we", "us"), including cosmiccloud.app, the Nova AI assistant, and related services (the "Service"). By creating an account or using the Service, you agree to these Terms on behalf of yourself and the business or organization you represent, and you confirm you are authorized to do so.

2. Business and commercial use only

The Service is offered exclusively for business, commercial, and professional purposes. It is intended for companies, agencies, organizations, professional creators, and independent contractors acting in a business capacity. It is not designed, marketed, or offered for personal, family, or household consumer purposes, and you agree not to use it for those purposes. You represent that you are entering into these Terms in the course of a trade, business, craft, or profession.

You must be at least 18 years old and legally able to enter into contracts to use the Service.

3. Accounts

You must provide accurate information and keep your login credentials secure. You are responsible for all activity under your account and for the users you invite, including their compliance with these Terms. Notify us promptly of any unauthorized use.

4. Subscriptions, renewal, and cancellation

• Plans are billed in advance on a recurring basis through our payment processor, using the payment method you place on file.
• Automatic renewal. Subscriptions renew automatically at the end of each billing period at the then-current rate, until cancelled. The billing amount, frequency, and next billing date are shown before you subscribe and in your billing settings.
• Renewal reminders. For annual plans, we send an email reminder before renewal that states the renewal date, the amount, and how to cancel. We also email you before any price increase takes effect, and before a trial or introductory rate converts to the standard rate.
• Cancel any time, online. You may cancel at any time from your billing settings in the app, with no need to call, chat, or email anyone. Cancellation takes effect at the end of the current billing period, and your plan remains active until then.
• Fees already paid are non-refundable except where required by law.
• We may pause work on accounts with unpaid balances.
• Your plan determines how many requests can be in progress at once. Additional requests wait in your queue.

5. Additional task charges

Some requests require items or services beyond your plan — for example licensed fonts, commercial stock photography or footage, paid third-party tools, printing, media buys, or contracted specialist work. These are handled as "additional charges" and are always:

• Itemized on the request before completion, showing each item, the amount, estimated sales tax, and the total in USD.
• Charged only after you affirmatively approve them by reviewing the itemized total and choosing to approve and pay. We do not charge your stored payment method for additional charges without that approval.
• Receipted immediately by email, with the itemized breakdown and total.

If you disagree with an additional charge, do not approve it — send us a message on the request and we will review it with you. Sales tax is calculated based on your billing address; if we cannot calculate tax, the charge cannot be approved until your billing address is complete.

6. Your content and deliverables

You retain ownership of materials you upload ("Your Content"). You grant us a limited license to use Your Content solely to provide the Service and complete your requests. Upon full payment, you own the final deliverables created for you, excluding third-party assets (such as stock media or fonts) that remain subject to their own licenses, and excluding the limitations described in Section 7 for AI-generated material.

7. AI features, models, and AI output

The Service includes AI-assisted features, including the Nova assistant, AI research, AI copywriting, and AI image and design generation. These features are powered by third-party AI model providers, including xAI, LLC (the Grok models). We do not have a custom or negotiated agreement with xAI; those features operate under xAI's standard API terms and usage policies.

• Acceptable AI use. You agree not to submit prompts or generate content that violates applicable law or the usage policies of our AI providers, including content that is unlawful, infringing, defamatory, deceptive, harassing, sexually exploitative, or intended to create malware, weapons, or other harmful material. Provider policies may change, and your use must comply with them as they apply through our Service.
• Accuracy. AI output may be inaccurate, incomplete, outdated, or fabricated, including citations and factual claims. You are responsible for reviewing and verifying AI output before publishing or relying on it.
• Copyright in AI output. Under current United States law, material generated solely by an AI system, without sufficient human authorship, is not eligible for copyright protection. That means purely AI-generated text, images, or designs may not be exclusively owned or registrable by you or by anyone. Where our team meaningfully edits, directs, arranges, or builds upon AI output, that human contribution may be protectable. We make no representation that any AI-generated element is copyrightable, registrable, exclusive, or unique to you.
• Similarity and third-party rights. AI output may resemble existing works, brands, names, or trademarks. You are responsible for clearing AI-generated material before commercial use, including trademark and rights-of-publicity checks.
• No IP indemnity for AI output. Notwithstanding anything else in these Terms, we do not defend, indemnify, or hold you harmless against any claim that AI-generated output infringes or misappropriates a third party's intellectual property or other rights. AI output is provided "as is" for your review and adaptation.
• Credits. AI usage is limited by the daily credit allowance tied to your plan. Allowances may be adjusted, reset, or disabled by us or by an administrator on your account.

See our Privacy Policy for how prompts and uploaded context are handled by AI providers.

8. Acceptable use

You agree not to use the Service to create unlawful, infringing, defamatory, deceptive, or harmful content; to upload content you lack rights to; to attempt to access other accounts or disrupt the Service; to resell or provide the Service to third parties outside your organization without our consent; or to reverse engineer the Service.

9. Suspension and termination

We may suspend or terminate access if you breach these Terms or fail to pay. You may export your files before your account closes; we may delete data after a reasonable retention period.

10. Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant any particular marketing, advertising, sales, or business result.

11. Limitation of liability

To the maximum extent permitted by law, Cosmic will not be liable for indirect, incidental, special, consequential, or punitive damages, or lost profits or revenue. Our total liability for any claim will not exceed the amounts you paid us in the twelve months before the claim.

12. Indemnification

You will defend and indemnify Cosmic against claims arising from Your Content, your publication or commercial use of deliverables, or your violation of these Terms. Our indemnification obligations, if any, exclude AI-generated output as described in Section 7.

13. Changes

We may update these Terms. If changes are material, we will notify you by email or in the app before they take effect. Continued use after changes take effect means you accept them.

14. Governing law and disputes

These Terms are governed by the laws of the State of Washington, USA, without regard to conflict-of-law rules. The exclusive venue for any dispute is the state or federal courts located in Benton County, Washington, and you consent to that jurisdiction.

15. Notices and contact

Legal notices must be sent to us in writing at the postal address below, with a copy by email. We may send notices to the email address on your account.

Cosmic
1305 Fowler St. Ste 2A
Richland, WA 99352
United States
info@onlinecosmic.com