Last updated: April 16, 2024
This privacy policy ("Privacy Policy") applies to the personal information that COZE processes in connection with COZE websites, software, and related services (the “Platform”), that link to or reference this Privacy Policy.
Data Controller: The Platform is provided and controlled by SPRING (SG) PTE. LTD., with its registered address in Singapore (“we”or “us”). If you have any questions about how we use your personal data, please contact legal@coze.com
[When you publish a bot and allow your end users to interact with the bot, including by providing personal information, we process such personal information according to the terms of the Data Processing Agreement between you and us, and this Privacy Policy does not apply to such personal information.]
We collect your information in three ways: Information You Provide, Automatically Collected Information, Information From Other Sources. More detail is provided below.
How We Use Your Information
We use your information to operate, provide, develop, and improve the Platform, including for the following purposes.
We engage service providers that help us provide, support, and develop the Platform and understand how it is used. We share Information You Provide, Automatically Collected Information, and Information From Other Sources with these service providers as necessary to enable them to provide their services. Following are the service providers currently engaged:
We use large language models, including GPT 3.5/4 (provided by Microsoft) and Claude 3 (provided by AWS), to provide chatbot services for you. We will provide third parties with your inputs to get output responses. We request that you abstain from disclosing personal information, including passwords, credit card numbers, or other confidential data during chat interactions and chabot development. Our commitment to safeguarding your privacy is unwavering, but the security of personal information also relies on safe user practices.
We may use some tools provided by third parties to help you write your input and optimize our output. For example, while you are typing, we may suggest words and help to finish your sentences. Your input will be transferred to such third parties to provide these services.
To process your payment, we also share your information with payment providers including, in particular, the following third-party payment providers/processors: PayPal and Stripe
Third Party Platforms and Partners. We share limited information which may include Information You Provide, Technical Information, and Usage Information with third party platforms and partners whose platform or services are integrated with the Platform. We do this to give you a seamless experience, allow your content to be shared on other platforms, and/or enable third party platforms and partners to better authenticate users. Some examples include if you:
Advertising and Analytics Partners. We may share information collected through your use of the Platform with our advertising or analytics partners. These partners help us promote the Platform through advertising displayed on other platforms, some of which, in some jurisdictions, may be based on your activity across other sites and services. These partners may also help us and our partners measure the effectiveness of our advertising campaigns.
As a global company, the Platform is supported by certain entities within our corporate group (“Corporate Group”). These entities process Information You Provide, Automatically Collected Information, and Information From Other Sources for us, as necessary to provide certain functions, such as storage, content delivery, security, research and development, analytics, customer and technical support, and content moderation.
We share your information in other limited scenarios as follows:
Users of Our Analytics Services. We provide aggregated statistics and insights to help people and businesses understand how people are engaging with the Platform. We create this aggregate information using Information You Provide and Automatically Collected Information.
Corporate Transactions. Your information may be disclosed to third parties in connection with a corporate transaction, such as a merger, sale of assets or shares, reorganization, financing, change of control, or acquisition of all or a portion of our business.
Legal Obligations and Rights. We may access, preserve, and share the information described in "What Information We Collect" with law enforcement agencies, public authorities, copyright holders, or other third parties if we have good faith belief that it is necessary to:
Depending on where you live, we may share personal information with the proper authorization or to provide the Platform you have requested or authorized. For example, if you choose to log in to our Platform using a social network account, or share information from our Platform to a social media service, we will share that information with those platforms.
Third Party Services
If you use any third party service on the Platform, including any third party plugin or third party API, you agree that said third party's privacy policy applies in respect of such use. In particular, when you use third party services that utilize YouTube API Services, you agree that Google's Privacy Policy at http://www.google.com/policies/privacy/ applies.
Depending on where you live, you may have certain rights with respect to your personal information, such as a right to know how we collect and use your personal information. You may also have a right to access, change, oppose, request a copy of your authorization, file complaints before the competent authorities, withdraw your consent, or limit our collection and use of your personal information as well as to request that we delete it, and potentially others. In certain circumstances, you can also ask us to provide additional information about our collection and use of your personal information. Please note that your exercise of certain rights may impact your ability to use some or all of COZE’s features and functionalities. If you request for account deletion of any of Coze, BagelBell or Cici, the other two accounts will also be deleted. ONCE YOU CHOSSE TO DELETE YOUR ACCOUNT, YOU WILL NOT BE ABLE TO REACTIVATE YOUR ACCOUNT OR RETRIEVE ANY OF THE CONTENT OR INFORMATION (INCULDING BUT NOT LIMITED TO YOUR BOTS, YOUR STORIES) IN CONNECTION WITH YOUR ACCOUNT.
If you have registered for an account, you may also access, review, and update certain personal information that you have provided to us by logging into your account and using available features and functionalities.
Please contact us by using the contact information provided in the “Contact Us” section if you would like to exercise any of your rights. We will respond to your request consistent with applicable law and subject to proper verification.
Security of your information is important to us. We maintain appropriate technical, administrative, and physical security measures that are designed to protect your information from unauthorized access, theft, disclosure, modification, or loss. We regularly review our security measures to consider available new technology and methods.
For security and privacy reasons, we request that you abstain from disclosing personal information, including passwords, credit card numbers, or other confidential data during chat interactions and chabot development. Our commitment to safeguarding your privacy is unwavering, but the security of personal information also relies on safe user practices.
Third-party content. We may share your input data with third parties and the Platform may contain links to policies, functionality, or content maintained by third parties we do not control. We are not responsible for the privacy practices of third parties and the information practices of these third parties are not covered by this Privacy Policy.
We retain information for as long as necessary to provide the Platform and for the other purposes set out in this Privacy Policy. We also retain information when necessary to comply with contractual and legal obligations, when we have a legitimate business interest to do so (such as improving and developing the Platform, and enhancing its safety, security and stability), and for the exercise or defense of legal claims.
The retention periods will be different depending on the type of information and the purposes for which we use the information. For example, when we process your information to provide you with the Platform, we keep this information for as long as you have an account. This information includes your Profile Information and User Content. If you violate our Terms, we may remove your Profile Information and/or User Content from public view immediately but keep your information as necessary to process the violation and as long as permitted by the applicable law.
The personal information we collect from you may be stored on a server located outside of the country where you live. We store the information we collect in secure servers located in the United States and Singapore. Where we transfer any personal information out of the country where you live, including for one or more of the purposes as set out in this Policy, we will do so in accordance with the requirements of applicable data protection laws.
The Platform is not directed at children under the age of 18. If you believe that we have personal information about or collected from a child under the age of 18, please contact us at legal@coze.com.
We may amend or update this Privacy Policy from time to time. When we update the Privacy Policy, we will notify you of any material changes to this policy by updating the “Last Updated” date at the top of the new Privacy Policy, posting the new Privacy Policy, or providing any other notice required by applicable law. We recommend that you review the Privacy Policy from time to time to stay informed of our privacy practices.
Questions, comments and requests regarding this Privacy Policy should be addressed to: legal@coze.com
In the event of a conflict between the provisions of the Supplemental Terms – Jurisdiction Specific that are relevant to your jurisdiction from which you access or use the Services, and the rest of the Policy, the relevant jurisdiction’s Supplemental Terms – Jurisdiction Specific will supersede and control.
If you are using our services in Argentina, the following additional terms apply. In the event of any conflict between the following additional terms and the provisions of the main body of this Policy, the following terms shall prevail.
Your rights and options
According to Law No. 25,326, Regulatory Decree No. 1558/2001 and the provisions and/or binding resolutions issued by the Agency for Access to Public Information ("AAIP"), you have the following rights with respect to your personal data: access, rectification and deletion regarding data protection. You can exercise your rights by sending your request to legal@coze.com free of charge.
We encourage you to contact us if you are not satisfied with how we have responded to any of your rights requests. You also have the right to lodge a complaint with the AAIP. You can contact AAIP through the site: https://www.argentina.gob.ar/aaip/datospersonales/derechos
Certain entities in our corporate group, located outside of Australia, are given limited remote access to your information so that they can provide certain functions, as described in the section on "How we share your information."
If you are using our Services in Brazil, the following additional terms apply:
Exercise of data protection rights. Brazilian law provides certain rights to individuals with regard to their personal data. Thus, we seek to ensure transparency and access controls in order to allow users to benefit from the mentioned rights.
We will respond and/or fulfill your requests for the exercise of your rights below, according to the applicable law and when applicable, to the Brazilian General Data Protection Law - LGPD:
Verifying your identity. For your safety and to allow us to make sure that we do not disclose any of your personal data to unauthorized third parties, in order to verify your identity and guarantee the adequate exercise of your rights, we may request specific information and/or documents from you before we can properly respond to a request received concerning your data. All data and documents received from you in the process of responding to your requests will be used for the strict purposes of analyzing your request, authenticating your identity, and finally responding to your request.
Limitations to your rights. In certain situations, we may have legitimate reasons not to comply with some of your requests. For instance, we may choose not to disclose certain information to you when a disclosure could adversely impact our business whenever there is a risk of violation to our trade secrets or intellectual property rights. In addition, we may refrain from complying with a request for erasure when the maintenance of your data is required for complying with legal or regulatory obligations or when such maintenance is required to protect our rights and interests in case a dispute arises. Whenever this is the case and we are unable to comply with a request you make, we will let you know the reasons why we cannot fulfill your request.
In case of doubt about your privacy, your rights or how to exercise them, please contact us using the information in the "Contact Us" section. If you have any questions about the processing of your personal data, we would like to clarify them.
International Transfer of Data. We share your personal data globally with companies of our business group to carry out the activities specified in this Policy. We may also subcontract the processing of data involved in the Services or share your personal data with third parties located in other countries. Your personal data may therefore be subject to privacy laws other than those applicable in your country.
Whenever we transfer your personal data to third parties located in other countries, we will ensure that these companies comply with applicable data protection laws and we will take all measures that are reasonably necessary to ensure the existence of adequate safeguards to protect your personal data and to ensure that it is processed safely.
Parental and Guardian Consent. If required by Brazilian data protection laws, (i) if you are over the age of 16 but under the age of 18, you can only use and register for an account with the assistance of your parent or legal guardian and you declare and represent that you had such assistance to use the Services and to agree to the Policy; (ii) if you are over the age of 13 but under the age of 16, you can only use and register for an account with the representation of your parent or legal guardian, and you must obtain the consent from your parent or legal guardian to the use of the Services and acceptance of this Privacy Policy.
DPO. If you wish to contact the Data Protection Officer, please contact us: legal@coze.com
If you are using the Platform in Canada, the following additional terms apply.
Your Rights. Subject to limited exceptions under applicable law, you have the right to access, update, rectify and correct inaccuracies in your personal information in our custody and control and to withdraw your consent to our collection, use and disclosure of your personal information. To exercise these rights, you may contact us using the contact information set out below. We may require certain personal information for the purpose of verifying the identity of the individual making the request.
Your Choices. You can unsubscribe from our marketing emails at any time by clicking the “unsubscribe” link included at the bottom of each email we send.
Transfer Outside Your Jurisdiction. We and our service providers (including members, subsidiaries, or affiliates of our corporate group) may access, store and otherwise process personal information outside of Canada (and, for residents of Quebec, outside of Quebec), including in the United States and Singapore, and other foreign jurisdictions where we or our service providers are located. For information about the manner in which we or our service providers (including service providers outside Canada) process personal data, please contact us using the contact information set out below.
Contact. If you are a resident of Canada, you can contact our Privacy Office using the contact information provided in the “Contact Us” section.
If you are using our Services in Egypt, the following additional terms apply:
European Economic Area (“EEA”), Switzerland, and UK
If you are using the Services in the EEA, Switzerland or the UK (the “European Region”), the following additional terms apply:
Legal bases for processing.
We use your personal data only as permitted by law. Our legal bases for processing your personal data described in this Policy are described in the table below.
| Personal information categories and processing purpose | Legal basis |
| We use the information we collect about you: - When registering an account; - When logging in, signing up, or linking to our Platform via third party accounts; - User Content and other information collected when you use our Platform; - When contacting us; - From other sources; and - From your device or app. To enable us to administer, operate, and provide the Platform to you including to create accounts and to deliver a fast and convenient logging-in experience. | Processing is necessary to perform the contract governing our provision of the Platform or to take steps that you request prior to signing up for an account to use the Platform. |
| We use the information we collect about you: - When registering an account; - When logging in, signing up, or linking to our Platform via third party accounts; - User Content and other information collected when you use our Platform; - When contacting us; - From other sources; and - From your device or app To understand how you use the Platform, including reviewing user feedback, to conduct product development, and to monitor, improve and develop the Platform and to train and improve our technology, such as our machine learning models and algorithms. | The processing is necessary for our legitimate interests, namely, to identify and resolve issues with the Platform and to improve the Platform. |
| The categories of information that we use will depend on the specific circumstances of each request or obligation. Depending on the circumstances, we use the information we collect about you: - When registering an account; - When logging in, signing up, or linking to our Platform via third party accounts; - User Content and other information collected when you use our Platform; - When contacting us; - From other sources; and - From your device or app To comply with any legal obligation, including where we have good faith belief that it is necessary to assist in law enforcement and investigations conducted by a governmental and/or regulatory authority. | This processing is necessary in order to comply with our legal obligations. This includes situations where we have obligations to take measures to ensure the safety of our users or comply with a valid legal request such as an order from law enforcement agencies or courts. In other circumstances, the processing is necessary for our legitimate interests, namely, to disclose and share information with regulators or other government entities. |
| We use the information we collect about you: - When registering an account; - When contacting us; and - From your device or app To communicate with you, including to notify you about changes to the Platform, provide customer support to you and send you other service-related messages. | The processing is necessary for the performance of a contract with you. |
| We use the information we collect about you: - When registering an account; - When logging in, signing up, or linking to our Platform via third party accounts; - User Content and other information collected when you use our Platform; - When contacting us; - From other sources; and - From your device or app We may use this information to send you marketing communications in accordance with your preferences. | The processing is necessary for our legitimate interests, namely to promote new developments and features of our Platform. We will obtain your consent to send you messages where required by law. |
| We use the information we collect about you: - When registering an account; - When logging in, signing up, or linking to our Platform via third party accounts; - User Content and other information collected when you use our Platform; - When contacting us; - From other sources; and - From your device or app To enforce our terms, conditions and policies, including to ensure that you are old enough to use the Platform. | |
| We use the information we collect about you: - When registering an account; - When logging in, signing up, or linking to our Platform via third party accounts; - User Content and other information collected when you use our Platform; - When contacting us; - From other sources; and - From your device or app To promote the safety, security, and stability of the Platform, such as by preventing and detecting abuse, fraud, and illegal activity on the Platform and by conducting troubleshooting, data analysis, testing, and research | The processing is necessary for our legitimate interests, namely, to ensure that the Platform is safe and secure. |
| In some cases, we may aggregate or anonymize the information we collect about you and use it in a way that is designed to be unable to identify you, for research or other purposes, to the extent allowed by applicable law. | The processing is necessary for our legitimate interests, namely to conduct research and protect personal information through aggregation or anonymization, consistent with data minimization and privacy by design principles. |
| The processing is necessary for our legitimate interests, namely to conduct research and protect personal information through aggregation or anonymization, consistent with data minimization and privacy by design principles. | The processing is necessary to protect the vital interests of you or other individuals. |
International data transfers
If you normally reside in the European Region, the personal data that we collect about you may be further transferred to, and stored at, a destination outside of the European Region (for instance, to our service providers and partners). For example, we may store the information that we collect in secure servers located in the United States and Singapore. These transfers are made pursuant to appropriate safeguards, such as adequacy decisions or standard data protection clauses adopted by the European Commission. If you wish to enquire further about these safeguards, please contact us at legal@coze.com".
Your rights
You have the following rights:
Before we can respond to a request to exercise one or more of the rights listed above, you may be required to verify your identity or your account details.
Please send an email to us if you would like to exercise any of your rights at legal@coze.com
If you are based in the United Kingdom, our designated GDPR representative is:
Cosmo Technology Private Limited
Kaleidoscope,
4 Lindsey Street,
London,
United Kingdom,
EC1A 9HP
If you are based in the EEA or Switzerland, our designated GDPR representative is:
Mikros Information Technology Ireland Limited
Mespil Business Centre
Mespil House
Sussex Road
Dublin 4
Ireland
If you are using our Services in Indonesia, the following additional terms apply. In the event of any conflict between the following additional terms and the provisions of the main body of this Policy, the following terms shall prevail.
Age, Parental and Guardian Consent. By accessing and/or using our Services, you represent that you are at least 21 years of age or married or not under guardianship. If you are below 21 years old and you are not married, or under guardianship:
If you do not have consent from your parent(s) or legal guardian(s) and your parent(s) or guardian(s) is not willing to open the account under their name, you must cease accessing and/or using the Services.
Your Choices. You may withdraw your consent to our disclosure of personal data to third parties. Upon your request, we will display, publish, transmit, disseminate, and/or open the access to your personal data to third parties. Please note that by withdrawing your consent to the disclosure and/or collection of your personal data, we may not be able to fulfill your requests and you may not be able to use some of COZE’s features and functionality.
You may request that we: (i) disclose the history of personal data that we have collected; and/or (ii) erase and dispose of your personal data that we have collected on our server. Please note that by requesting us to erase and dispose of your personal data, you may not be able to use some of COZE's features and functionality.
To exercise any of your rights, contact us at: legal@coze.com
Notification. In the event of any breach of personal data, we will notify you and provide you with information regarding such breach of personal data.
Data retention. We retain your information for as long as it is necessary to provide you with the service. Where we do not need your information in order to provide the service to you, we retain it only for so long as we have a legitimate business purpose in keeping such data. However, there are occasions where we are likely to keep this data for five (5) years (or longer if required) in accordance with our legal obligations or where it is necessary for the establishment, exercise or defence of legal claims.
After you have terminated your use of our Services and the five (5) years retention period has lapsed, we store your information in an aggregated and anonymised format. Non-personally identifiable information may be retained indefinitely for analytics.
If you are using our Services in India, the following additional terms apply. Your continued access to or use of the Services after the date of the updated Privacy Policy constitutes your acceptance of the updated policy. If you do not agree to the updated policy, you must stop accessing or using the Services.
Grievance Officer For India. In accordance with Information Technology Act 2000 and rules framed thereunder, a Grievance Officer has been appointed and a complaint or other issue faced by a user of our platform or other issue faced may be submitted through the email provided in the “Contact Us” section.
The complaint should provide: (i) username of the relevant account holder (ii) specific content that is of concern and (iii) reason(s) for the request.
If you use our services in Mexico, the following additional terms apply. In the event of a conflict between the following additional terms and the provisions of the main body of this policy, the following terms shall prevail.
How we share your personal data. We may share your personal data with a third party for purposes other than processing on our behalf. We will obtain your consent to such disclosure as required by applicable laws.
By providing us with your personal data and using our Platform, you agree to transfers that require your consent. You can always revoke your consent and exercise your rights as outlined below.
Your Rights. You have the following rights with respect to your personal data: access, rectification, cancellation, opposition, revocation of consent, limitation of use and disclosure of your data. You may exercise your rights by sending your request to legal@coze.com. To learn about the applicable requirements and the procedure for exercising your rights, please contact us at the above email address. If you are under 18 years of age, you may exercise your rights through a parent or guardian. Requests to exercise for your rights will be resolved as soon as possible according to the nature of your request.
If you are using our Services in Philippines, the following additional terms shall apply pursuant to the relevant laws, rules and regulations and issuances by the Philippines National Privacy Commission (“NPC”) on data privacy.
Your Rights. To the extent that the relevant laws, rules and regulations on data privacy recognize your rights and freedoms as data subjects, you shall have the right to information, object, access, rectification, erasure or blocking, lodge complaints before the NPC, damages and data portability. Before we can respond to a request to exercise one or more of the rights listed above, you may be required to verify your identity or your account details.
Legal grounds for data processing. When we process your personal data, we rely on your consent, performance of a contract, our legitimate interest, and obligations to process personal data, when required by law.
By signing up and using the Platform, you consent to the processing of personal data in accordance with this Privacy Policy.
Where we store your personal data. Your personal data may be transferred from Russia to Singapore and stored in that location, outside of the country where you live.
Public profiles. We rely on your consent to public distribution of personal data, when your account settings are 'Public Profile'. You can change your profile to private by changing your settings to 'Private Account' in “Manage my account” settings.
If you are using our Services in South Africa, the following additional terms apply:
You declare that you are over the age of 18. If you are under the age of 18, please have your parent or legal guardian read this with you. If you are reviewing these terms as the parent/legal guardian of a user who is under the age of 18, you hereby declare that such user is above the age of 13 and that you have read and acknowledged this Privacy Policy and Terms of Use and agree to the use by your child of the Platform and registration for an account.
If you are using our Services in South Korea, the following additional terms apply:
Data retention. We destroy personal data whose purpose of collection as consented to by you have been achieved, or whose periods of and use to which you consented to or which were provided in the Policy have expired; provided, however, we will continue to store your personal data for the following statutorily-prescribed periods, where applicable, including, but not limited to:
Destruction of Personal data. We destroy your personal data in a manner that renders it unrestorable by the relevant department.
Your Rights
If you are using our Services in Türkiye, the following additional terms:
Data Controller Representative. You may contact our data controller representative in Türkiye by email to handle questions and complaints in connection with the processing of your personal data if you are in Türkiye.
Legal bases for processing your personal data. We rely on the following legal bases while processing your personal data in accordance with Article 5 of the Law No. 6698 on Protection of Personal Data:
Your rights. According to Article 11 of the Data Protection Law, you have the following rights with respect to your personal data:
If you would like to exercise your rights, please contact us at legal@coze.com.
The requests found in your application will be resolved as soon as possible according to the nature of your request and within thirty days at the latest free of charge. However, if your request incurs additional cost to our company, then you may be charged over the tariff fee determined by the Turkish Personal Data Protection Board.
Amendments. The following sections of the Policy do not apply to individuals in Türkiye:
The following sentence at the end of the second paragraph of the introduction section: If you do not agree with this Policy, you should not access or the Platform or Services.
The following sentence at the end of the Summary section: By accessing or using the Platform and our related websites, services, applications, products and/or content available on the Platform (collectively, the “Services"), you acknowledge that you have read and understood the practices described in this Policy, and hereby consent to us collecting, using, processing, disclosing or transferring your personal data in accordance with this Policy.
The following sentence at the end of the first paragraph of the Cookies section: By accessing or using the Platform and Services, you consent to our use of Cookies.
Language. This policy is available in English and Turkish. If there is any inconsistency or different interpretation between the English and Turkish versions, the Turkish text shall prevail.
If you are using the Services in the United Arab Emirates (“UAE”), the following additional terms apply:
How we share your personal data
In addition to the main text of this policy, by using the Services in the UAE you agree to the terms of this Privacy Policy and consent to our sharing of your personal data in line with the main text of this Privacy Policy.
Governing law and dispute resolution
By using our Services in the UAE, this Privacy Policy will be governed by and interpreted in accordance with the laws of the UAE. In the event of a dispute arising between the parties in connection with this Privacy Policy:
for all other disputes, the parties shall seek settlement of that dispute by mediation in accordance with the Mediation Rules of the DIFC-LCIA Arbitration Centre, which Rules are deemed to be incorporated by reference to this clause. If the dispute is not settled by mediation within 30 days of the commencement of the mediation, or such further period as the parties shall agree in writing, the dispute shall be referred to and finally resolved by arbitration under the Arbitration Rules of the DIFC-LCIA Arbitration Centre, which Rules are deemed to be incorporated by reference to this clause. The language to be used in the mediation and in the arbitration, shall be English. In any arbitration commenced pursuant to this clause the number of arbitrators shall be one and the arbitration shall be conducted in Dubai.
If you are using our Services in the United States, the following additional terms apply:
Your Rights and Choices
Depending on where you live, you may be entitled to certain rights with respect to your personal information, as described below:
For United States users, the Platform does not sell your personal information or share your personal information with third parties for purposes of cross-context behavioral advertising where restricted by applicable law.
Although some of the information we collect may be considered sensitive personal information, we only process such information in order to provide the Platform and within other exemptions under applicable law, such as when we process your sensitive personal information in order to perform the services or provide the goods you request from us.
You may exercise these rights by submitting your request via the following methods:
Email: legal@coze.com
You may be entitled, in accordance with applicable law, to submit a request through an authorized agent. To designate an authorized agent to exercise choices on your behalf, please provide evidence that you have given such agent power of attorney or that the agent otherwise has valid written authority to submit requests to exercise rights on your behalf.
We will respond to your request consistent with applicable law and subject to proper verification. We will verify your request by asking you to send it from the email address associated with your account or to provide information necessary to verify your account.
You may appeal any decision we have made about your request by replying to the communication you receive from us communicating your decision. We will not discriminate against you for exercising your rights and choices, although some of the functionality and features available on this Platform may change or no longer be available to you.
Other California Rights
If you are using our Services in Vietnam, the following additional terms apply:
Age, Parental and Guardian Consent. By accessing and/or using the Services, you represent that you are at least 16 years of age or not under guardianship. If you are below 16 years old or under guardianship:
If you do not have consent from your parent(s) or legal guardian(s) and your parent(s) or legal guardian(s) is not willing to open the account under their name, you must cease accessing the Services.