Terms of service

Effective 20 August 2026

The deal

TalkWithMe is free for personal use. Reviewing your cards never needs an account, a connection, or credits. AI features and cross-device sync require a free account; AI actions spend credits — new accounts start with a bundle of them on the house, and you can buy more only if and when you want more.

Age

TalkWithMe isn't directed at children. You must be at least 16 years old to create an account, and creating one confirms that you are.

Credits and purchases

• Credits come in one-time packs. No subscription, nothing recurring, and credits never expire.
• Prices are shown at checkout before you pay. Payment is handled by Stripe; we never see your card details.
• What each AI action costs in credits may be adjusted as the underlying AI prices move — packs you already bought keep their credits either way.
• Because credits are usable immediately, delivery is complete the moment they land on your account. If a purchase looks wrong, write us — refunds are handled case by case at the address below.
• Deleting your account forfeits any unspent credits (see "Changes and goodbyes").

Your content

Cards, images, and everything else you make stay yours. You give us the permission needed to store, sync, and process them to provide the features you use. Export or delete at any time from inside the app.

Pictures the AI generates for you go one step further: a copy joins a pool other learners can search and reuse, so you also grant permission to show and copy those to them. This is on unless you turn it off — Settings → "Share generated pictures" stops it for future pictures. Photos you upload and pictures you find on the web are never shared. See the privacy policy for what gets stored alongside them.

Fair use

Don't use the service for anything unlawful, don't try to break or overload it, and don't resell access to it. Accounts that abuse the service or its AI can be suspended or removed.

The honest fine print

The service is provided as-is, without warranties; it's a small product and things occasionally break. AI output can be wrong — treat it as practice material, not authority. We're not liable for indirect damages, and our total liability is limited to the amount you paid us in the twelve months before the claim.

Changes and goodbyes

We may update these terms; the date above moves when we do, and continued use means acceptance. You can leave any time — Settings → Delete account removes your account, everything we hold for it, any unspent credits, and that account's cards on the device you delete it from. Pictures already shared to the community pool stay in it.

Questions: zach.eberhart@gmail.com