Terms and Conditions

Last updated 29 October 2026 · Version 0.1

These terms are the agreement between you and us for using Joy & Jack. We have tried to keep them readable. Where a sentence sounds formal, it is because the law asks for precision there. Nothing in them takes away rights you have as a consumer under the law of the country where you live.

1. Agreement and parties

Joy & Jack is operated by {{COMPANY_LEGAL_NAME}} OÜ, a private limited company registered in Estonia under registry code {{ESTONIAN_REGISTRY_CODE}}, VAT number {{VAT_NUMBER}}, with its registered address at {{STREET}}, {{POSTCODE}} Tallinn, Harju maakond, Estonia ("we", "us", "our").

These terms apply to everyone who visits https://joyandjack.com or uses our services, with or without an account ("you"). By using the Services you accept these terms, our Privacy Policy, our Acceptable Use Policy and our Fair Use Policy, which form part of this agreement. If you do not accept them, please do not use the Services.

2. The Services

Joy & Jack uses artificial intelligence to write personalised romance and sensual fiction for adults (the "Services"). In particular:

• Written stories. You choose a format, a point of view, a language and a comfort level (from tender to very explicit), and you can add your own idea. We write a complete story from those choices. Written stories are free, within the limits of your plan.
• Audio narration. Premium members can have their stories read aloud by synthetic, AI-generated voices.
• Story covers. Each story gets a cover illustration generated by an AI image model. Some character and place cards use licensed stock photographs instead.
• Your library. Registered members keep their stories in a private library. Stories are not published or shown to other members.

Stories are fiction. Any resemblance to real people or events is coincidental, and the rules in our Acceptable Use Policy exist so that it stays that way.

3. Adults only

The Services are only for adults aged 18 or over, or the age of majority where you live if that is higher. You must also be allowed by the law of your country to read sexually explicit fiction. By using the Services you confirm both.

We check age with {{AGE_ASSURANCE_METHOD}} and record the date on which you confirm it. If we have reason to believe that an account belongs to a minor, we close it immediately and delete its content.

4. Your account

You can try Joy & Jack as a guest: we create an anonymous session in your browser and you can read the opening of the stories you generate. A free account lets you read your stories in full and keep them in your library.

When you register, give us accurate information, keep your password to yourself and tell us at hello@joyandjack.com if you think someone else has used your account. One account is for one person. You are responsible for what happens under your account unless it was used without your fault.

5. Intellectual property

The Joy & Jack name and logo, the website, its design, its code and the content we create ourselves (such as the sample stories and the welcome recording) belong to us or to our licensors. Using the Services does not give you any right to them beyond what these terms allow.

6. Your inputs and AI output

Your inputs remain yours. The ideas, names, details and choices you give us ("Inputs") remain your property. You give us a limited licence to use them only to provide the Services to you, for example to write, check, store and narrate your story.

The stories we generate for you ("Output"). As far as we hold any rights in your Output, we license them to you as follows:

• Free plan: you may read, keep, copy and share your Output for personal, non-commercial purposes.
• Premium: you may also use your Output more widely, including publishing it or using it commercially, as long as you keep to our Acceptable Use Policy and the law.

Please keep in mind that AI-generated text may not be protected by copyright in every country, and that a similar story may be generated for someone else. We do not guarantee that your Output is unique, original or protectable, and we do not claim ownership of it.

7. Your representations

When you use the Services, you confirm that:

• you are an adult and the information you give us is true;
• you have the right to submit your Inputs, and they do not include anyone's personal information without their consent;
• you will not use the Services for anything illegal or for anything our policies forbid;
• you will not try to get around our safety checks, limits or security measures.

8. Plans and products

We currently offer the following plans:

{{PLAN_LIST}}

The current prices and what each plan includes are shown on our pricing page and before every purchase. Prices include VAT where it applies.

9. Purchases and payment

Payments are processed by CCBill, our authorised payment processor. When you buy, you enter your payment details on CCBill's secure page, under CCBill's own terms; we never see or store your full card number. The charge may appear on your bank or card statement under "CCBill" or a related descriptor rather than under Joy & Jack.

For questions about a charge, you can contact us at hello@joyandjack.com or CCBill's billing support at support.ccbill.com.

10. Recurring billing and cancellation

Premium is a subscription. It renews automatically at the end of each billing period (monthly or yearly) at the price shown when you subscribed, until you cancel. We will tell you in advance of any price change, and you can cancel before it applies.

You can cancel at any time from your account page, through CCBill, or by writing to hello@joyandjack.com. Cancellation stops the next renewal; you keep Premium until the end of the period you have already paid for.

11. Refunds and right of withdrawal

{{REFUND_RULES}}

Right of withdrawal (EU, EEA and UK consumers). Consumers normally have 14 days to withdraw from an online purchase. Premium is digital content and a digital service supplied immediately. Before your purchase we ask you to agree that supply starts at once and to confirm that you know you lose your right of withdrawal once it has started. Nothing in this section limits rights you have under consumer law, for example if the Services are faulty or not as described.

12. Prohibited activities

You may not use the Services to request, create or share anything our Acceptable Use Policy forbids. You also may not:

• use bots, scripts or other automated means to access the Services, or scrape them;
• share, sell or rent your account, or resell the Services;
• try to break, overload or reverse-engineer the Services or their security;
• use the Services to harass, identify or harm anyone.

13. Content moderation

Every request is checked before we write, and every story is checked after it is written. A request that breaks our rules is refused and still counts towards your limit; a story that breaks them is not stored. We explain how this works, and how to appeal a decision, in our Trust and Safety page.

14. Third-party links and services

The Services may link to websites or services run by others, such as CCBill or the photographers credited on stock photographs. We are not responsible for their content or practices, and their own terms apply when you use them.

15. Privacy

Our Privacy Policy explains what personal data we collect, why, and the choices you have. Because your stories may reveal intimate preferences, we treat them with particular care.

16. Copyright infringement notices

If you believe something on Joy & Jack infringes your copyright, write to hello@joyandjack.com with: your contact details, a description of the work, where it appears on our site, a statement that you believe in good faith that the use is not authorised, and a statement that the information is accurate and that you are the owner or are authorised to act for them. We will review it promptly and remove the material if appropriate.

17. Suspension and termination

You can stop using the Services and ask us to close your account at any time.

We may suspend or close an account if it breaks these terms or our policies, if the law requires it, or if it puts other people or the Services at risk. Except where the breach is serious or the law prevents it, we will tell you why and give you a chance to respond first. You can appeal any decision as described in our Complaints Policy; a person, not an automated system, reviews every appeal.

If we close your paid account without any fault on your part, we refund the unused part of your current billing period on a pro-rata basis.

18. Changes and interruptions

We keep improving Joy & Jack, so features may change. We may also need to interrupt the Services for maintenance, security or reasons beyond our control. We will try to give notice of planned interruptions and of any change that reduces what you pay for, and if a change significantly harms you, you may cancel and receive a pro-rata refund.

We may update these terms. The date and version at the top show the latest one. If a change is significant, we will tell you at least 30 days before it applies; if you do not agree, you can close your account before then.

19. Governing law

These terms are governed by the laws of Estonia. If you are a consumer, you also keep the protection of the mandatory rules of the country where you live: this choice of law does not deprive you of them.

20. Dispute resolution

If something goes wrong, please contact us first at hello@joyandjack.com; most issues are resolved quickly that way.

Consumers in the EU, EEA and UK may always bring a claim before the courts of the country where they live, or use the out-of-court options described in our Complaints Policy.

Other users and businesses agree that any dispute that cannot be resolved informally will be settled by binding arbitration under the rules of the Arbitration Court of the Estonian Chamber of Commerce and Industry, seated in Tallinn, in English, by a single arbitrator. Disputes are resolved individually: to the extent the law allows, you waive the right to take part in a class action or class-wide arbitration. Either party may still bring an individual claim in a small claims court.

21. Disclaimer

AI-generated stories, voices and images can be imperfect, surprising or occasionally inaccurate. We do our best, but:

TO THE EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE OR THAT ANY OUTPUT WILL MEET YOUR EXPECTATIONS. THIS DOES NOT AFFECT THE LEGAL GUARANTEES CONSUMERS ARE ENTITLED TO.

22. Limitation of liability

TO THE EXTENT PERMITTED BY LAW, WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL LOSSES, OR FOR LOSS OF PROFITS, DATA OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICES. OUR TOTAL LIABILITY FOR ANY CLAIM IS LIMITED TO THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO IT, OR EUR 50 IF YOU PAID NOTHING. NOTHING IN THESE TERMS LIMITS LIABILITY FOR DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE, FOR FRAUD, FOR WILFUL MISCONDUCT OR GROSS NEGLIGENCE, OR ANY OTHER LIABILITY THAT CANNOT BE LIMITED BY LAW.

23. Indemnification

If you are not a consumer, you agree to compensate us for reasonable costs and losses (including legal fees) that result from claims by third parties caused by your breach of these terms or your misuse of the Services. If you are a consumer, you are liable to us only as provided by the law that applies to you.

24. Electronic communications

You agree that we may communicate with you electronically, by email or through the Services, and that notices we send this way satisfy any requirement that they be in writing. We only send marketing emails if you have agreed to receive them, and you can unsubscribe at any time.

25. Miscellaneous

These terms and the policies they refer to are the whole agreement between you and us about the Services. If any part is found unenforceable, the rest remains in effect. If we do not enforce a right straight away, we have not given it up. You may not transfer this agreement without our consent; we may transfer it to a company that takes over the Services, provided your rights are not reduced. If these terms are translated, the English version prevails, unless consumer law in your country says otherwise.

26. Contact

• Company: {{COMPANY_LEGAL_NAME}} OÜ, {{STREET}}, {{POSTCODE}} Tallinn, Harju maakond, Estonia
• Questions and support: hello@joyandjack.com
• Legal notices: hello@joyandjack.com