Terms of Use

Last updated: July 26, 2026 | Version 1.0

Summary: Polymorph is a gamified, web-based platform for learning languages, starting with English. These Terms are the contract between you and Polymorph. Adults (18+) can subscribe for themselves. Once teen accounts open, teens 13–17 will be able to learn under an account their parent or guardian opens, accepts, and pays for. Schools will be able to bring students of any age — including under 13 — under a separate school agreement when school programs launch (Section 11). Children under 13 cannot use Polymorph at all outside a school program — not on their own and not through a parent's account.

Where we are today: Polymorph is in founding-member pre-launch. Paid subscriptions, free trials, teen accounts, and school programs are not yet available. The provisions that govern them apply from the time we launch them and you use them (Section 3).

Section 16 contains an arbitration agreement and class-action waiver that apply only to users in the United States. The arbitration agreement becomes operative only after we name an arbitration provider and you accept that change. You can opt out within 30 days (see Section 16).

Once paid plans launch, they will auto-renew. Your first charge will come when your 7-day free trial ends, unless you cancel first. See Section 4.

Contents: 1. Acceptance · 2. Eligibility · 3. Accounts & pre-launch signup · 4. Subscriptions, trials, billing & cancellation · 5. Our content and your license to use it · 6. AI features · 7. Your content & feedback · 8. Acceptable use · 9. Privacy, messages & voice data · 10. Third-party services · 11. School programs & institutional use · 12. Termination, suspension & appeals · 13. Warranty disclaimers · 14. Limitation of liability · 15. Indemnification · 16. Dispute resolution & arbitration (US) · 17. Governing law · 18. Changes to these Terms · 19. General terms · 20. Contact · EU/UK Annex

1. Acceptance and who is bound

Summary: You agree to these Terms by clicking "Agree" when you sign up or subscribe, or by using Polymorph. Once teen accounts open, a parent or guardian who accepts for a teen is our customer, and the teen is the learner. These Terms plus the Privacy Policy are the whole deal.

These Terms of Use are a contract between you and Polymorph ("we," "us") — we will update these Terms with our legal entity name and form once incorporated, the operator of the Polymorph language-learning platform and website (the "Service"). Our contact and postal details appear in Section 20. The current Terms always live at /terms, and our Privacy Policy at /privacy. You accept these Terms by clicking the acceptance button at signup, subscription checkout, or trial start, or by using the Service. If you do not agree, do not use the Service.

Who accepts. The person accepting these Terms must be able to form a binding contract. Once teen accounts open, a parent or legal guardian accepts on a minor's behalf under the contracting structure described in Section 2: the parent or guardian is the contracting party, the minor is an authorized user who must follow these Terms, and the parent or guardian is responsible for the minor's use. School programs are accepted by an authorized school representative under a separate school agreement; school-program students are authorized users, not parties to these Terms (Section 11).

These Terms incorporate by reference our Privacy Policy, which carries its own effective date. As the features they cover launch, we will publish additional named policies — Community Guidelines, a Refund & Billing Policy, a Copyright Policy, and SMS Terms — link them where you accept these Terms, and introduce them through the Section 18 process; once published, they are incorporated the same way. Where a later section mentions one of these future policies, this paragraph states the whole mechanism.

The "Summary" blocks throughout these Terms are readability aids only. If a summary and the full text ever differ, the full text controls.

2. Eligibility

Summary: Three ways into Polymorph. Adults (18+) sign up for themselves. Once teen accounts open, minors aged 13 up to the age of majority where they live will learn under an account their parent or guardian sets up, accepts, and pays for. Schools will be able to bring students of any age, including under 13, under a separate school agreement when school programs launch. Children under 13 cannot use Polymorph at all outside a school program — not on their own and not through a parent's account.

Adults (18+). If you are at least 18 (or the age of majority where you live, if higher) and able to form a binding contract, you may sign up, subscribe, and use the Service for yourself.

Teens and other minors (13 up to the age of majority). Once teen accounts open, a minor aged 13 or older who has not reached the age of majority where they live may use Polymorph only through an account that a parent or legal guardian opens and consents to. This parent- or guardian-managed path covers teens aged 13 to 17 everywhere, and it also covers users who are 18 or older but below a higher local age of majority (for example, where the age of majority is 19 or 21): until the user reaches majority, the parent or guardian is the contracting party. The parent or guardian is the contracting party and subscriber — they accept these Terms, pay, and manage the subscription — and the minor is the authorized user. Teen accounts are not open yet: before they open, we will have an age-screening and parental-consent flow in place and will update these Terms and the Privacy Policy to describe it.

Children under 13. Children under 13 cannot use the consumer Service — not on their own, not through a parent's account, and not through the teen flow. Once school programs launch (Section 11), the only way a child under 13 will be able to use Polymorph is through a school program, where the school authorizes data collection within the educational context. Until then, children under 13 may not use the Service at all. We do not knowingly collect personal information from children under 13 outside that school context. If we learn a child under 13 has created a consumer account, we will close it and delete the associated personal information. If we learn a minor is using the Service without the required parent or guardian consent, we will close the account and delete its data; once teen accounts and their parental-consent flow are live, we may instead suspend the account until a parent or guardian accepts these Terms.

Schools. K-12 schools and districts will be able to bring their students — of any age — under a separate written agreement, as Section 11 describes, when school programs launch.

Parental-consent ages differ in some places; for the EEA and UK, see the Annex.

3. Accounts and pre-launch signup

Summary: Give us accurate information, keep your login private, and use one account per learner. During our founding-member pre-launch, our signup and contact forms — open to adults (18+) only, with an 18+ attestation — collect your name, email, and phone number so we can be personally in touch about next steps.

Accounts. You agree to provide accurate information, keep your credentials confidential, maintain only one account per learner, and accept responsibility for activity under your account. A parent or guardian may hold their own learner account and, once teen accounts open, additionally open and manage accounts for their minors under Section 2. Tell us at wing@ngchow.com if you suspect unauthorized use.

Founding-member pre-launch. During our pre-launch period, our website signup and contact forms — hosted on Framer's form infrastructure — collect your first name, last name, email address, and phone number with country dial code. These forms are open to adults (18+) only: they include an 18+ attestation, and we do not process — and will delete — any submission that indicates the person is under 18. We use this information to contact you personally about next steps and founding-member access, as described in our Privacy Policy. Signing up may lead to SMS contact; see Section 9 for how SMS consent works and how to stop messages. The subscription, AI, and learner-content features described in Sections 4 through 9 apply from the time we launch them and you use them; this paragraph governs the pre-launch period.

4. Subscriptions, free trials, billing and cancellation

Summary: Three monthly plans: Lifestyle $9.99, Serious $19.99, Dedicated $24.99. Once paid plans launch: every plan starts with a 7-day free trial; your first charge comes when the trial ends unless you cancel first. Plans renew monthly until you cancel — online, anytime, in a few clicks. Cancellation stops future charges. Price increases apply only if you affirmatively accept them.

Plans. We offer three monthly subscription plans, in US dollars, plus any applicable taxes:

| Plan | Price | Simultaneous devices | Offline downloads | |---|---|---|---| | Lifestyle | $9.99/month | 1 | No | | Serious | $19.99/month | 2 | Yes | | Dedicated | $24.99/month | 3 | Yes |

Device limits cap how many devices can use your account at the same time. Offline downloads are part of your subscription license and stop working when your subscription ends.

Who subscribes. Every subscriber must be an adult able to contract; for a minor's account, the subscribing parent or guardian is the customer and payer, and the minor is the authorized user (Section 2). School programs are priced and billed under the school agreement, and this Section 4 does not apply to school-program users (Section 11).

Free trial. Every plan starts with a 7-day free trial ("Start my 1 week free"). If you do not cancel before the trial ends, your payment method will be charged the monthly price of your chosen plan on the first day after the trial (day 8), and monthly on that date thereafter. The exact date and amount of your first charge are shown at checkout and in your confirmation email. One free trial per learner account.

Auto-renewal. Subscriptions renew automatically each month until you cancel. At checkout, you will be asked to separately and expressly consent to the renewal terms (see "Separate consents" in Section 9). After you subscribe, we send an acknowledgment email restating the price, renewal terms, trial end date, and a cancellation link. We will remind you by email before your free trial converts to a paid subscription, and we will send renewal reminders where the law where you live requires them. We keep records of your consent for as long as applicable law requires.

How to cancel. You can cancel anytime, the same way you signed up: online, in your account settings, in a few clicks — no phone call, no chat with an agent. Cancellation takes effect at the end of your current billing period: you keep access until then, and no further charges are made.

Refunds. Except as stated in these Terms (see Sections 12 and 18 and "Changes to the Service" below) or as required by law where you live (including the EU/UK rights in the Annex), charges are non-refundable and we do not give partial-month refunds. If we publish a Refund & Billing Policy, it will detail the mechanics without reducing these rights (see Section 1).

Price changes. We will notify you by email at least 30 days before any price increase takes effect, and it will apply only from your next renewal. A price increase applies to you only if you affirmatively accept it (see Section 18). If you do not accept the new price before it takes effect, your subscription will not renew at the new price; it will end at the close of your then-current billing period unless you cancel sooner.

Changes to the Service. We may add, change, or remove features as the Service evolves. If a change materially degrades a paid plan mid-subscription (for example, removing a feature the plan is sold on), we will give you at least 30 days' notice, and you may cancel and receive a pro-rata refund of prepaid fees for the unused remainder of your period. EU and UK consumers also have the modification rights described in the Annex.

Failed payments. If a charge fails, we may retry it and notify you. If payment still fails, we may suspend or downgrade your subscription until payment is made.

Payments. Payments are processed by a third-party payment processor. We have not yet selected the processor; we will name it in these Terms before paid subscriptions launch. Your use of the processor's payment pages may be subject to the processor's own terms, which we will link at checkout; those terms are not incorporated into these Terms. We do not store your full card details.

End of subscription. When your subscription ends, paid features (including offline downloads) stop. If we offer a free tier at that time, your account and learning history continue under it; if we do not, your account remains dormant and you can export or delete your data as described in the Privacy Policy. Either way, Section 12 and the Privacy Policy apply.

5. Our content and your license to use it

Summary: We give you a personal license to use Polymorph. The platform, curriculum, and content belong to us. Don't copy, scrape, resell, or use them to train AI models.

We grant you a limited, personal, non-exclusive, non-transferable license — revocable only as provided in Section 12 (Termination) — to use the Service and its content for personal language learning — your own or, if you subscribe for a minor, your minor's — while you comply with these Terms. School-program use is licensed under the school agreement (Section 11). Polymorph owns (or licenses) the Service, including its software, curricula, lessons, exercises, question banks, audio, characters, designs, and trademarks. You may not copy, distribute, sell, or create derivative works from our content; reverse engineer the Service except where law permits; scrape or bulk-download content; or use our content or Service outputs to train or develop any machine-learning model. This last restriction applies to AI outputs even after the Section 6 assignment, and it survives termination of these Terms (Section 12).

6. AI features

Summary: Your tutor is AI. It remembers your past sessions, mistakes, and progress to personalize lessons. AI output can be wrong — treat it as a learning aid, and verify anything important. We tell you here exactly what we do with your AI conversations. In school programs, the school controls which AI features are on.

AI disclosure. Polymorph's tutoring, feedback, and much of its learning content are AI-generated. Your AI tutor remembers your past interactions, common mistakes, and recent learnings to personalize your instruction. The product itself also tells you when you are interacting with AI; this section mirrors those in-product notices.

Accuracy. AI output can be inaccurate, incomplete, or misleading — including grammar and translation errors. AI features are learning aids, not professional advice of any kind. Verify anything you rely on outside the Service.

Output ownership. As between you and us, we assign to you our rights, if any, in the AI outputs generated for you — excluding our underlying Service content and any third-party licensed material embedded in those outputs, which you may use only under your Section 5 license. This assignment is subject to Section 5: in particular, the prohibition on using Service outputs to train or develop machine-learning models survives the assignment as a contractual covenant. AI systems can produce similar or identical output for different users, and purely AI-generated output may not be protectable by copyright; we make no promise of exclusivity.

Training. We use your interactions to personalize your own tutoring, as described above and in our Privacy Policy. We do not use your conversations or content to train AI models for other users unless you opt in. School-program student data is subject to the separate limits in Section 11: we do not use it to train AI models except as Section 11 narrowly permits. This position matches our Privacy Policy; if the two ever differ on data practices, the Privacy Policy controls.

Prohibited AI uses. Do not attempt to bypass safety filters, extract training data or system prompts, use AI features to build a competing product or model, or use them for deception or academic dishonesty.

Human oversight. AI features are automated and not monitored in real time by humans. They are not a substitute for professional advice or emergency help. If you share content indicating a risk of harm, we may surface crisis resources.

Where speaking-practice features process your voice, the separate consent described in Section 9 applies before those features are enabled for you. In school programs, the school controls which AI features are enabled for its students (Section 11).

7. Your content and feedback

Summary: You own what you create. You give us only the license we need to run the Service for you. That license ends when you delete your content, apart from brief backup retention and copies others already have within the Service — and we'll never use your content in marketing without a separate, express release.

Your license to us. You keep ownership of content you create or submit to the Service ("Your Content"). This covers content you submit now — such as what you enter in AI-tutor sessions — as well as learner-authored content and shared content when social features launch. You grant us a non-exclusive, worldwide, royalty-free license to host, store, reproduce, adapt for display, and distribute Your Content solely in connection with operating and providing the Service, sublicensable only to our service providers for that purpose. This license ends when you delete Your Content, surviving only (a) in routine backups for up to 90 days and (b) in content you shared with others that they retain within the Service.

What we will not do without more. We will not use Your Content in marketing or promotion, or use your name or likeness commercially, without your separate express release. We will not use Your Content to train AI models except as Section 6 states.

Your promises. You confirm You own or have rights to Your Content, it does not infringe anyone's rights, and it does not contain someone else's personal information without permission.

Moderation. We may (but are not obliged to) review, restrict, or remove content that violates these Terms, including the Section 8 rules.

Copyright complaints. Report claimed infringement to wing@ngchow.com with enough detail for us to find and assess the material. Before content-sharing features launch, we will designate a copyright agent and publish a Copyright Policy setting out the full notice-and-takedown procedure (see Section 1). We terminate repeat infringers' accounts in appropriate circumstances.

Feedback. If you send us ideas or suggestions, we may use them without restriction or obligation to you.

8. Acceptable use

Summary: Learn honestly and treat people decently. No harassment, hacking, scraping, cheating tools, or misuse of AI features. Detailed Community Guidelines will be published before social features launch.

You agree not to: harass, threaten, or abuse others; upload unlawful, infringing, or hateful content; hack, probe, or disrupt the Service; circumvent device limits, access controls, or safety filters; scrape or harvest data; misrepresent your identity or age; use the Service for commercial purposes outside your license; or use it for academic dishonesty (for example, passing off AI-generated work as your own where that is prohibited). Before social and content-sharing features launch, we will publish Community Guidelines with detail and examples (see Section 1); once published, breach of the Guidelines is a breach of these Terms and grounds for enforcement under Section 12.

9. Privacy, messages and voice data

Summary: Our Privacy Policy (at /privacy) explains our data practices. We don't sell personal information, we don't serve targeted ads to anyone, and we never advertise to children, teens, or school users. Every "separate consent" in these Terms is its own step — never buried in this document. SMS is adults-only: text STOP to stop, HELP for help; message and data rates may apply. Speaking practice will require its own separate voice consent.

Privacy. Our Privacy Policy, at /privacy, describes what we collect and how we use it, including your rights and our retention practices. It is incorporated into these Terms. As it states: we do not sell personal information, we do not serve targeted advertising to anyone, and we never direct any advertising to children, teens, or school-program users.

Separate consents. Wherever these Terms describe a consent as "separate," we mean it is collected as its own express step — never bundled into your acceptance of these Terms. This applies to renewal consent (Section 4), SMS consent and voice consent (both below), and, for EU and UK consumers, the immediate-performance consent described in Annex Section 2.

SMS. SMS consent is offered to adults (18+) only: we do not seek SMS consent from minors, and we never send SMS to school-program students. If you separately consent to SMS, we may text you about founding-member next steps, your account, and — only with marketing consent — offers. Message frequency varies. Message and data rates may apply. Reply STOP to cancel, HELP for help. Consent to marketing texts is never a condition of purchase. You may revoke consent by any reasonable method. This section, together with the Privacy Policy, is today's complete statement of our SMS program; if we publish separate SMS Terms, we will link them here (see Section 1).

Voice. Planned speaking practice uses automatic speech recognition and processes voice recordings. Before we enable speech features for you, we will ask for separate, express consent to voice processing — given by the subscribing parent or guardian for a teen account, and controlled by the school for school programs (Section 11). We will not enable speech features until our Privacy Policy states the retention and deletion schedule for voice data.

10. Third-party services

Summary: Some parts of Polymorph run on third-party services — Framer hosts our forms, and a payment processor (to be named before paid subscriptions launch) will handle payments. Their terms govern their services; we remain responsible for our own data practices.

The Service relies on third-party services, including Framer (website and form infrastructure) and, once paid subscriptions launch, the payment processor we will name in Section 4. We are not responsible for third-party services or content, and your use of them may be subject to their own terms. This does not limit our responsibility for our own data practices, including data collected through tools we embed, as described in our Privacy Policy.

11. School programs and institutional use

Summary: Schools will be able to bring Polymorph to their students — including students under 13 — under a separate written agreement with us. The school authorizes student data collection for educational purposes only, and we stay responsible for our own legal compliance. Student data is never used for advertising or marketing, never sold, and is deleted or returned when the program ends. Parents exercise review rights through the school. Students aren't bound by the consumer terms — no consumer billing, no arbitration. School programs are not live yet.

Status. School programs are a planned offering and are not yet available. This section describes the framework that will apply when they launch. Before launch, we will have a template school agreement and data-processing agreement (together, the "school agreement") in place; nothing in this section makes school features available before then.

The school agreement controls. Each K-12 school or district deployment will operate under a separate written school agreement with us. Where the school agreement conflicts with these Terms or the Privacy Policy, the school agreement controls for that deployment. School-program students use the Service as authorized users under the school agreement, not as parties to these consumer Terms: Section 4 (consumer subscriptions and billing) and Section 16 (arbitration and class-action waiver) do not apply to school-program use.

Consent and roles (COPPA). For students under 13, we rely on the school's authorization to collect student personal information, in accordance with FTC guidance, strictly limited to the educational context — for the use and benefit of the school and its students, and for no commercial purpose beyond providing the Service to the school. We remain responsible for our own COPPA compliance: before any collection, we will provide the school with direct notice of our collection, use, and disclosure practices, and we will make those practices available to parents on request. The school agreement will address how parental notice is delivered, and we will give schools the information they need to provide it.

Education records (FERPA). Where Polymorph processes education records, the school agreement will designate us a "school official" with a legitimate educational interest. We will operate under the school's direct control with respect to those records, process them solely on the school's behalf and instructions, and not redisclose them except as FERPA permits.

Student-data commitments. For school-program student data, we will: never use it for advertising or marketing of any kind; never sell it; never send SMS to students; collect only what is needed to provide the Service (data minimization by default); give the school control over access, correction, and deletion; delete or return student data when the engagement ends, on the school's instruction; and support parents and guardians in exercising review, correction, and deletion rights through their school. We do not use school-program student data to train AI models, except that the school may direct or approve (a) training uses limited to models used solely within that school's own deployment, or (b) uses of properly de-identified data; any other training use requires verifiable parental consent. Before any school-directed training use, parents and guardians retain the right, exercised through their school, to review the relevant student data and to have it deleted (see Section 6).

Features and settings. When speaking practice, AI tutoring, or social features are available in school programs, the school controls whether and how they are enabled for its students.

Other institutions. Any employer or other institutional deployment likewise requires a separate written agreement with us, which will control over these Terms for that deployment.

12. Termination, suspension and appeals

Summary: You can close your account anytime — closing it cancels your subscription, and you keep access until your paid period ends. Parents can close a teen's account the same way. We enforce these Terms in steps — warning, suspension, termination — with immediate action reserved for serious cases. If we discontinue the Service, you get notice and a pro-rata refund. You can appeal our enforcement decisions.

By you. You may cancel your subscription (Section 4) or close your account anytime in account settings. Closing your account cancels your subscription: you keep access until the end of your current billing period, after which the account is closed and your data is handled as described in the Privacy Policy. If you ask us to delete your account immediately, mid-period, you give up the remainder of the paid period, except where your local law requires a refund (including, where they apply, the withdrawal right in Annex Section 2 and the modification-termination right in Annex Section 5). Before deletion, you may export your data as described in the Privacy Policy.

Teen and school accounts. The subscribing parent or guardian may close a teen account at any time, with the same effects as above. School-program accounts open and close as the school agreement provides, and student data is returned or deleted under Section 11.

By us, for cause. We may suspend or terminate your account for material breach of these Terms (including the Section 8 rules and, once published, the Community Guidelines). We ordinarily escalate — warning, then suspension, then termination — but may act immediately for serious cases such as illegality, fraud, or safety risk to others. Termination for cause does not entitle you to a refund, except where your local law requires otherwise.

By us, for convenience. If we discontinue the Service or terminate your account without cause, we will give you at least 30 days' notice and refund the pro-rata unused portion of any prepaid fees.

Appeals. If we restrict or remove your content or account, we will tell you the reason and how to appeal. Appeals go to wing@ngchow.com and receive human review.

After termination. We delete or de-identify your personal data on the schedule in the Privacy Policy. Sections 5–7 survive as to accrued rights; in addition, the Section 5 intellectual-property restrictions — including the prohibition in Sections 5 and 6 on using our content or Service outputs to train or develop machine-learning models — survive termination in full as ongoing covenants. Sections 13–17 and 19 also survive, along with accrued payment obligations.

13. Warranty disclaimers

Summary: We work hard on Polymorph, but we can't promise it will always be available or error-free — and no one can promise you fluency. AI output may contain mistakes. EU and UK consumers get statutory quality guarantees instead (see the Annex).

For users outside the EU and UK: the Service is provided "as is" and "as available." We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement, to the extent the law allows. We do not promise uninterrupted or error-free operation.

No outcome guarantees. We do not guarantee any learning outcome — fluency, test scores, grades, admissions, or professional results depend on you.

AI accuracy. The Section 6 accuracy disclaimer applies to all AI features.

Savings clause. Some jurisdictions do not allow certain warranty disclaimers; where a disclaimer is not allowed, it does not apply to you. EU and UK consumers: the Annex modifies this section — your statutory conformity rights apply instead of the "as is" disclaimer (see Annex Section 3).

14. Limitation of liability

Summary: For most claims, our liability is capped at the greater of what you paid us in the last 12 months or $100. The cap never applies to fraud, willful misconduct, gross negligence, death or personal injury, or rights the law says can't be waived.

To the extent permitted by law: (a) neither party is liable for indirect, incidental, consequential, special, or punitive damages, or lost profits or data; and (b) our total liability for all claims relating to the Service is capped at the greater of the amounts you paid us in the 12 months before the claim or USD 100.

These limits do not apply to: our fraud, willful misconduct, or gross negligence; death or personal injury caused by our negligence; or any liability or statutory right that cannot be limited or waived under applicable law. If any part of this section is unenforceable where you live, it is limited to the minimum extent required rather than voided, and the rest stands.

15. Indemnification

To the extent permitted by your local law, you will indemnify Polymorph against third-party claims arising from Your Content or your material breach of these Terms, excluding claims caused by our own conduct.

16. Dispute resolution and arbitration (US users only)

Summary: US users: before suing, we talk for 60 days. Once we name an arbitration provider and you accept that change, unresolved disputes go to individual binding arbitration, not court or class actions — until then, disputes can go to court. Small-claims court is always available, we pay most arbitration fees, hearings happen where you live or remotely, and you can opt out entirely within 30 days.

This section applies only to users in the United States. It does not apply to users in the EU, UK, or elsewhere, who may bring disputes in their local courts under Section 17 and the Annex, and it does not apply to school-program users (Section 11).

Federal Arbitration Act. The Federal Arbitration Act governs the interpretation and enforcement of this Section 16.

Informal resolution first. Before starting arbitration or litigation (other than a small-claims action), you and we agree to send an individualized written notice of the dispute to the other party (wing@ngchow.com for us) and negotiate in good faith for 60 days. Applicable statutes of limitations are tolled during this period.

Arbitration. If we cannot resolve the dispute informally, it will be resolved by binding individual arbitration administered by an established consumer arbitration provider under its consumer arbitration rules. We have not yet selected the provider. Until we name the provider in this section and you affirmatively accept that change under Section 18, this arbitration agreement (including the class-action waiver below) is not operative: disputes may be brought in court, or in small-claims court, under Section 17. Because naming the provider is a change to arbitration terms, it requires your affirmative re-acceptance under Section 18; if you do not accept it, this arbitration agreement does not become operative as to you, and your disputes remain in court under Section 17. Once the arbitration agreement is operative: hearings will take place in the county (or comparable locale) where you reside, or remotely, at your election; you pay only the filing fee that the provider's consumer rules require of you, and we pay all other arbitration fees; and the arbitrator has no authority to conduct any class, collective, or representative proceeding.

Small claims carve-out. Either party may instead bring an individual claim in small-claims court, without first completing the informal-resolution step.

Class action waiver. Disputes are resolved on an individual basis only. Neither party may bring or participate in a class, collective, or representative action. This waiver does not apply where it is unenforceable. Nothing in these Terms waives your right to seek public injunctive relief in California. If this waiver is held unenforceable as to a particular claim (including a California public-injunctive-relief claim), that claim — and only that claim — may proceed in court, while all other claims remain in individual arbitration. Subject to those rules, if any other part of this section is unenforceable, the rest survives; in no event may arbitration proceed on a class, collective, or representative basis.

Minors. This arbitration agreement and class-action waiver apply to the personal claims of a minor authorized user only to the extent enforceable under applicable law; where the law does not permit a parent or guardian to bind a minor's claims to pre-dispute arbitration, those claims may proceed in court notwithstanding this section.

Mass filings. If 25 or more similar demands are filed by coordinated counsel, the parties agree to staged resolution: batching, a limited set of bellwether arbitrations, then global mediation, with limitations tolled throughout. Bellwether arbitrations must commence within 120 days after batching is complete, and the global mediation must conclude within 60 days after the last bellwether award; if either deadline lapses, any claimant may immediately proceed with an individual arbitration or a small-claims action. Each claimant also retains the right, after the mediation, to opt out of any global resolution and proceed with individual arbitration or a small-claims action.

Non-waivable rights. Nothing in this section waives statutory rights that cannot be waived, including rights under applicable privacy statutes.

30-day opt-out. You may opt out of this arbitration agreement and class waiver by emailing wing@ngchow.com within 30 days of the earliest of the date you create your account, the date you first click to accept these Terms, or the date you first use the Service, stating your name, account email, and that you opt out. A fresh 30-day opt-out window opens each time you affirmatively re-accept changed arbitration terms under Section 18 (including our naming of the arbitration provider). Opting out does not affect any other part of these Terms.

17. Governing law and venue

Summary: These Terms don't yet choose a single governing law — we'll add a full governing-law clause, with notice, before paid subscriptions launch. In the meantime, US users get the law of their home state, consumers can bring disputes where they live, and your local consumer protections always apply.

These Terms do not currently designate an exclusive venue or a comprehensive governing-law clause. We will add a governing-law clause through the Section 18 change process before paid subscriptions launch. Until then: disputes not subject to Section 16 may be brought in the courts of your place of residence; for users in the United States, these Terms are governed by the laws of the state where you reside (and the Federal Arbitration Act governs Section 16, as stated there); for users elsewhere, the law that applies is determined by the ordinary rules of the forum hearing the dispute; and nothing in these Terms limits any non-waivable rights you have under the mandatory consumer-protection laws where you live.

18. Changes to these Terms

Summary: If we make a material change — to these Terms or to an incorporated policy — we'll email you at least 30 days before it takes effect. Changes are never retroactive. If you don't like a material change, cancel and we'll refund the unused part of your period. Big changes, including price increases, require your fresh agreement.

We may update these Terms. For material changes, we will notify you by email and in-product at least 30 days before the change takes effect. Changes apply prospectively only. Continuing to use the Service after the effective date is acceptance; if you reject a material adverse change, cancel before the effective date and we will refund the pro-rata unused portion of your prepaid period. Changes to arbitration terms, price increases (as provided in Section 4, Price changes), or new uses of your data for AI training require your affirmative re-acceptance, not just notice. This section applies equally to material changes to the policies incorporated under Section 1: a change to an incorporated policy that materially reduces your rights takes effect only through this Section 18 process. The "Last updated" date at the top of these Terms shows when the current version took effect; we keep prior versions with their dates and will send you any of them on request at wing@ngchow.com.

19. General terms

Summary: Standard housekeeping: what happens if a clause fails, which document wins in a conflict, and similar mechanics.

Severability. If any provision is unenforceable, it is limited or severed to the minimum extent necessary and the rest remains in effect. Entire agreement. These Terms and the incorporated policies are the entire agreement between you and us about the Service. Order of precedence. These Terms control, except that: for consumers in the EU or UK, the EU/UK Annex prevails over any conflicting provision of these Terms; the Privacy Policy controls on data practices; a school agreement controls for its deployment (Section 11); and each additional policy published under Section 1 will control its own topic from its effective date. Assignment. You may not assign these Terms; we may assign them in a merger, acquisition, or asset sale, with notice to you. No waiver. Not enforcing a provision is not a waiver of it. Survival. Provisions that by nature should survive termination do (see Section 12). Force majeure. Neither party is liable for delay or failure caused by events beyond its reasonable control. Notices. We send notices to your account email — for teen accounts, the subscribing parent or guardian's email; send legal notices to us at the email and postal addresses in Section 20. Export and sanctions. You may not use the Service in violation of applicable export-control or sanctions laws, and you represent you are not on any restricted-party list.

20. Contact

Polymorph Polymorph We are not yet incorporated; email is our contact channel, and we will add a postal address once we have a registered office. wing@ngchow.com

We will designate a role-based legal contact address on our own domain (for example, legal@) and update this section when it is established; until then, wing@ngchow.com is the address for all legal channels.

Notice to California users. Under California Civil Code § 1789.3, California users are entitled to the following notice: complaints regarding the Service may be directed to us at wing@ngchow.com or at the postal address above, or to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs, 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, telephone (800) 952-5210.

Annex: EU and UK users

Summary: If you live in the EU or UK, you get a 14-day withdrawal right (which we extend to run from your first charge), statutory quality guarantees instead of "as-is," easy online cancellation, rights when we change the service, and your local courts and consumer law. Arbitration and the class waiver do not apply to you. Minors get privacy-by-default; your country's law sets which data consents a teen can give personally, but a parent or guardian always opens, accepts, and pays for the account.

1. This Annex controls. For consumers in the European Union or United Kingdom, this Annex applies and prevails over any conflicting provision of the Terms. Our identity, legal form, and geographic address are set out in Section 20.

2. 14-day right of withdrawal (cooling-off). You may withdraw from a paid subscription, without giving a reason, within 14 days. The statutory withdrawal period runs from the day the contract is concluded — the day you subscribe and your free trial begins. We voluntarily extend it in your favor: for Polymorph subscriptions, the 14 days run from the day of your first charge, when your free trial converts to a paid plan — later than the law requires. To withdraw, send any clear statement to wing@ngchow.com; you may use the model withdrawal form prescribed by your local law, but you do not have to. We will refund all payments we received from you within 14 days of receiving your withdrawal notice, using the same payment method you used, unless you expressly agree otherwise. At checkout — as one of the separate consents described in Section 9, collected before your trial begins — you will be asked to expressly consent to our beginning performance of the paid service immediately upon trial conversion, during the withdrawal period. If you then withdraw, you pay only a proportionate amount for the service provided up to the time you told us of your withdrawal. Separately, you can cancel during the 7-day free trial at any time, at no cost (Section 4).

3. Statutory conformity instead of "as is." Section 13's "as is" disclaimer does not apply to you. We must supply a digital service that conforms to the contract under the Digital Content and Digital Services Directive (EU) 2019/770 (or, in the UK, the Consumer Rights Act 2015), and you have the statutory remedies those laws provide (bringing the service into conformity, price reduction, or termination). Section 13's no-outcome and AI-accuracy statements remain as factual descriptions of the Service, not exclusions of these rights.

4. Cancellation. In addition to Section 4's online cancellation, users in Germany may cancel via the cancellation button ("Verträge hier kündigen") on our website, per §312k BGB.

5. Changes, modifications and moderation. We will inform you of any significant change to these Terms (Section 18). If we modify the Service beyond what is necessary to maintain conformity, we will give you clear advance notice; if the modification negatively affects your access to or use of the Service in more than a minor way, you may terminate the contract free of charge within 30 days and receive a proportionate refund, as provided by Article 19 of Directive (EU) 2019/770 (or the equivalent UK rules). If we restrict your content or account, we will give you a statement of reasons and access to the Section 12 appeal process.

6. Disputes and law. Section 16 (arbitration and class waiver) does not apply to you. You may bring disputes in the courts of your country of residence, and the mandatory consumer-protection laws of your country apply in any event (see Section 17). You may also be able to refer a dispute to a national consumer alternative-dispute-resolution (ADR) entity under Directive 2013/11/EU (or the UK equivalent).

7. Minors. Two different consents matter here, and they are not the same thing. Contracting: in every country, Polymorph requires a parent or legal guardian to open, accept, and pay for the account of any user under 18 (Section 2) — a standard we apply voluntarily even where local law would let a minor consent to data processing at a younger age. Data-processing consent: under the GDPR, the age at which a minor can consent to the processing of their own personal data varies across the EEA (13 to 16, set by each country); under the UK GDPR, it is 13. When teen accounts open in your country, our consent flow will apply the age your country's law sets to determine which data-processing consents the teen can give personally; below that age, the parent or guardian provides the data-processing consent as well. In all cases, the parent or guardian remains the contracting party under Section 2. In the UK, the Age Appropriate Design Code applies to users under 18: for all minor users we commit to high-privacy default settings, data minimization, no targeted advertising, and no design that nudges minors into weakening their privacy protections.

Questions about these Terms? Contact us at wing@ngchow.com.