Coda Tools — Terms of Service

Definitions

“the Services” means any feature, tool, module, allowance, balance, interface, integration, automation, template or capability that we make available to you through the Platform from time to time — whether it is included in a plan, bought separately, metered, or offered at no charge.

“Content” means anything you upload, enter, generate, send, publish, store or transmit through the Platform.

“End User” means any person who uses, visits, receives or interacts with something you create, publish, send or operate using the Platform.

These Terms deliberately do not name individual Services. What the Platform offers is not fixed, and a list would go stale. Section 2 explains how that works.

1. Accepting these Terms

You accept these Terms by ticking the agreement box when you register, by clicking “I agree” when we ask you to, or simply by continuing to use your account after these Terms take effect. Where we require agreement before you can continue, access to your account will stay blocked until you agree or sign out.

If you are using the Platform on behalf of a company or any other organisation, you confirm that you are authorised to bind it, and “you” means that organisation as well as you personally.

2. What the Services are, and why nothing is guaranteed to stay

The Platform is modular. It is a single account through which different Services are switched on, metered, bundled into plans, or withdrawn. The set of Services available at any moment is a commercial and operational decision, not a fixed promise.

We may, at any time and without giving you individual notice:

1. add new Services, or open existing ones to more accounts;
2. rename, merge, split, redesign or relocate a Service;
3. change the limits, allowances, quotas, rates, pricing or plan tier attached to a Service;
4. restrict a Service to certain countries, plans, account ages or verification levels;
5. suspend a Service temporarily, including at short notice, where a supplier fails, a cost becomes unsustainable, a legal or regulatory issue arises, or abuse is detected;
6. permanently withdraw a Service.

None of the above is a breach of these Terms. Your plan entitles you to access the Platform on the terms of the plan you bought. It does not entitle you to the continued existence, availability, price, capacity or behaviour of any particular Service, and no Service should be treated as permanent.

Where we can reasonably give advance notice of a permanent withdrawal, we will — normally by email, an in-account notice, or both.

If we permanently withdraw a Service that was a material part of what you paid for during a period you have already paid for, and we do not offer a comparable replacement, you may contact us and we will credit the unused portion of that period to your account balance. That credit is your sole remedy for a withdrawn Service. It does not apply to Services you received at no charge, to allowances you have already consumed, or where the Service was withdrawn because of your breach of these Terms.

Anything described as beta, preview, trial, experimental or early access may be changed or removed at any time with no notice at all, and is provided with no commitments whatsoever.

3. Eligibility

You must be at least 18 years old, or the age of majority where you live, whichever is higher. You must not be barred from using the Platform under any law that applies to you, and you must not be subject to sanctions that would make it unlawful for us to deal with you.

Some Services require identity or contact verification before they will work. We may require verification at any time, and may restrict or suspend Services until it is completed.

4. Your account

One person or organisation, one account, unless we agree otherwise in writing. Accounts created to evade a limit, a suspension, a price, a trial restriction or a ban may be closed without notice or refund.

You are responsible for everything that happens under your account, including actions taken by anyone you give access to, and including actions taken through any keys, tokens or credentials issued to you. Keep your password and credentials secret, use a strong and unique password, and tell us as soon as you suspect unauthorised access.

The details you give us — including your email address and any contact details — must be accurate and kept up to date. We use them for security notices, billing notices and service notices, and you may not be able to recover your account if they are wrong.

You may close your account at any time. Closing an account does not entitle you to a refund of amounts already paid, except where these Terms or the law say otherwise.

5. Plans, balances and payment

Some Services are included in a plan. Some are metered and drawn from an account balance. Some are charged separately at the point of use. The pricing, allowances and billing method shown in your account at the time of the transaction are the ones that apply to it.

Prices may be shown in more than one currency. Where a price is converted, the converted amount includes a currency margin, and the rate used is the rate at the time of the transaction. The final amount your bank, exchange or payment provider charges you, and any fee it adds, is between you and them.

Funds added to an account balance are a prepayment for Services on the Platform, and they can only be spent on the Platform. We do not pay money out. A balance cannot be withdrawn, transferred to another account, exchanged for cash, or sent on to a bank account or wallet. Unless the law requires otherwise, a balance is not a deposit, it does not earn interest, and it is not a stored-value, e-money or banking product. Any earnings, rewards or credits we award you are added to that balance and are subject to the same rule.

So please be clear about this before you add funds: money you put on the Platform is money you are spending on the Platform. Add what you intend to use.

You are responsible for any taxes, duties or levies that apply to you, unless we state that a price includes them.

How payment reaches us. Payment is made either through a payment gateway we have connected, or by transferring funds directly to the bank or crypto details shown to you in your account. We do not ask for or store the credentials of any instrument you pay us with. A gateway carries out its own processing under its own terms; a direct transfer is made by you, from your own bank, exchange or wallet.

Getting a direct transfer right is your responsibility. You must send the exact amount, to the exact details, on the exact network, quoting the reference shown to you at the time. We credit your account once the funds arrive and are confirmed. We cannot recover, and are not responsible for, funds sent to the wrong details, on the wrong network, in the wrong asset, without the reference, or after the details shown to you have changed or expired. Where less arrives than expected because of a bank charge, a network fee or a rate movement, only the amount actually received is credited.

6. Renewals, plan changes and non-payment

Where a plan renews automatically, it will keep renewing at the then-current price until you cancel it, and cancelling takes effect at the end of the period you have already paid for. Where a renewal is funded from an account balance, keeping enough balance available is your responsibility.

Where you move to a higher plan mid-period, the change may take effect immediately and be charged or prorated as shown to you at the time. Where you move to a lower plan, the change may be scheduled to take effect at the end of the current period rather than immediately, so that you keep what you have already paid for.

If a payment fails, is reversed, or a balance is insufficient, we may downgrade, restrict, suspend or close the affected Services, and we may recover what is owed from any balance you hold. Repeated chargebacks or payment reversals may result in closure of your account.

7. Refunds and credits — we do not refund to your payment method

We do not refund to the original source of payment. Where anything is returned to you under these Terms — a refund, a credit, a correction, an adjustment or a goodwill gesture — it is issued as account balance on the Platform. Nothing is returned to the bank account, crypto wallet, payment route or other method you paid with. By paying, you accept account balance as the only form in which value is returned to you. As section 5 explains, a balance cannot be withdrawn or converted to cash — it can only be spent on the Platform.

Unless the law where you live gives you a right we cannot exclude, or unless we state otherwise in writing:

1. plan fees are not refundable once the period they cover has started;
2. allowances, credits or units that have been consumed are not refundable, including where the result did not meet your expectations;
3. fees paid to third parties through the Platform, including registration, renewal, delivery or provisioning fees, are not refundable once they have been passed on;
4. amounts paid in error, duplicate payments and overpayments are put right by crediting your account balance;
5. a request that fails, is not delivered or is not fulfilled is put right by re-running it or by crediting your account balance, at our option;
6. we do not reverse a completed transaction back to your payment method for any reason, including where you have simply changed your mind.

If you raise a chargeback, dispute, recall or payment reversal with your bank, exchange or payment provider instead of contacting us first, we may suspend or close your account, and we may recover the disputed amount and any fee charged to us from any balance you hold.

Section 2 sets out the credit that applies where we permanently withdraw a Service you have paid for.

8. Acceptable use

You must not use the Platform, or anything you build or send with it, to:

1. break any law that applies to you, to us, or to the people you reach;
2. impersonate any person, business, brand, bank, government body or official, or to make anyone believe a communication or page came from someone it did not;
3. deceive people into sending money, revealing credentials, revealing personal data, or making a payment they would not otherwise make — including phishing, fake invoicing, advance-fee schemes and romance or investment fraud;
4. send unsolicited bulk messages of any kind, or contact people who have not agreed to be contacted by you or who have asked you to stop;
5. infringe anyone’s copyright, trade mark, database, privacy or other rights;
6. publish or transmit material that is unlawful, defamatory, harassing, hateful, sexually exploitative, or that depicts or endangers minors;
7. distribute malware, run credential-stuffing or brute-force attacks, scan or probe systems you do not own, or interfere with the Platform, its suppliers or any other user;
8. evade a limit, quota, ban, suspension, verification requirement or geographic restriction, including by automated means, proxies or multiple accounts;
9. resell, sublicense or redistribute a Service where the plan you hold does not permit it;
10. scrape, mirror or systematically extract the Platform, or reverse-engineer any part of it except where the law expressly allows it.

You must comply with any additional rules we publish for a particular Service, including rules imposed on us by an upstream supplier, network operator, registry or regulator. Those rules can change without notice, because the underlying supplier can change them without notice.

We may monitor use for security, abuse, billing and legal compliance. We may investigate suspected breaches, and we may act on them without prior warning where the risk is serious.

What the Platform produces is a mock-up, not a real record

Much of what the Platform produces is a template, a sample, a demonstration, a simulation or a mock-up, generated from values that you supply. It is not a record of a real transaction, a real account, a real shipment, a real institution or a real event. It is not issued, verified, authorised, endorsed or underwritten by any bank, carrier, exchange, retailer, marketplace, public body or other organisation whose name, format, layout or branding it may resemble, and no association with any of them is claimed or implied.

The Platform is provided for legitimate purposes only — learning and education, testing, design, demonstration, mock-ups and previews, internal review, presentations and portfolios, and your own genuine business records where the underlying facts are true.

You must not present, send, publish, upload or submit anything the Platform produces as if it were genuine. That includes using it to obtain money, goods, services, credit, a refund, employment, a visa, admission, insurance or any other advantage; to satisfy a verification, compliance, identity, funds or proof-of-payment requirement; to mislead a bank, employer, landlord, marketplace, platform, insurer, court or authority; or to support any statement that is not true.

You are solely responsible for what you do with the output and for the consequences of it. Using it to deceive anyone breaches these Terms and, in most places, is a criminal offence. We will suspend or close any account we believe is doing this, and we will cooperate with a lawful request from law enforcement.

9. Your content

You keep ownership of your Content. You give us a worldwide, non-exclusive, royalty-free licence to host, store, copy, transmit, reformat and display it, strictly so that we can operate the Platform and deliver what you have asked for — including sending it to the third parties needed to fulfil a request. This licence ends when the Content is deleted from our live systems, subject to backups and to the retention periods in section 15.

You are responsible for your Content: for having the right to use it, for its accuracy, for its legality, and for any claim arising from it. We do not review Content before it is published or sent, and we are not obliged to. We may remove or refuse to transmit Content that we reasonably believe breaches these Terms, breaks the law, or puts the Platform, a supplier or another user at risk.

Keep your own copies of anything that matters. We are not a backup service, and we do not guarantee that Content can be recovered after deletion, expiry, suspension or account closure.

10. What you build for other people

Some Services let you create, publish or operate something that other people see, use, buy from, receive or sign up to. Where you do that:

1. it is yours, and you are responsible for it — its content, its claims, its pricing, its legality, the licences and registrations it may require, and everything your End Users experience;
2. you are responsible for having your own terms and privacy notice in place for your End Users, and for making them available where the law requires it;
3. as between you and us, you are the controller of your End Users’ personal data and we process it on your behalf, on your instructions, to provide the Platform to you;
4. you must not present what you build as being operated, endorsed, licensed, regulated or guaranteed by us, unless we have agreed that in writing;
5. you must not use it to imitate a real business, institution or public body, or to collect money, credentials or identity documents under a false identity;
6. you must handle your End Users’ complaints, refunds, disputes and data requests yourself. If they reach us, we may pass them to you, and we may act on them directly where the law requires us to.

We may suspend or remove anything you have built where we reasonably believe it breaches these Terms or the law, or where a supplier, registry, host or authority requires it.

11. Third parties we rely on

Delivering the Services depends on third parties — infrastructure and hosting providers, payment processors, network and messaging carriers, registries, identity and verification providers, and other upstream suppliers. Their availability, pricing, rules and capacity are outside our control.

Where a third party fails, changes its terms, withdraws capacity, blocks a route, refuses a transaction or terminates its relationship with us, the Service that depends on it may degrade, become more expensive, be restricted, or be withdrawn under section 2. We are not liable for a third party’s acts or omissions.

Where you connect a third-party account, service or integration, your relationship with that third party is governed by its own terms, and you authorise us to exchange the data needed to make the connection work.

12. Availability, maintenance and support

We aim to keep the Platform available and working, but we do not promise uninterrupted or error-free operation. Access may be interrupted by maintenance, upgrades, capacity limits, supplier failures, attacks, or events outside our reasonable control.

We may run scheduled or emergency maintenance at any time, including maintenance that takes the Platform or a Service offline. Where practical we will give notice.

Support is provided through the channels shown in your account, during the hours shown there, and on a reasonable-efforts basis. Unless we have agreed a written service level with you, no response time or resolution time is guaranteed.

We may set fair-use limits on any Service, including on support, and may throttle or restrict use that is disproportionate, automated, or damaging to other users.

13. Suspension, closure and termination

We may suspend or restrict your access to the Platform or to any Service, with or without notice, where we reasonably believe that:

1. you have breached these Terms or any rule we publish for a Service;
2. your account is being used unlawfully, fraudulently or abusively;
3. your account has been compromised, or a payment has failed or been reversed;
4. suspension is needed to protect the Platform, our suppliers, other users, or people your account is reaching;
5. a law, regulator, supplier, registry or court requires it.

We may close your account and end these Terms on notice where you are in serious or repeated breach, where your account is dormant and qualifies under the dormant-account rule at the end of this section, where continuing would expose us to legal or financial risk, or where we stop operating the Platform.

On closure: your right to use the Platform ends immediately, any unused allowance is forfeited unless section 2 or section 7 applies, and your Content and anything you built may be deleted after the retention periods in section 15. Sections that by their nature should survive — including sections 7, 8, 9, 10, 14 to 21 and 23 — survive termination.

Where we close your account other than for your breach, we will credit the unused portion of any period you have already paid for to your account balance, in line with section 7. Where the closure is permanent and you still hold a balance, contact us and we will agree a reasonable way to deal with it.

Dormant accounts that have never paid

We remove accounts that were opened, never used and never paid for, so that the Platform is not carrying dead sign-ups indefinitely. This is the only reason we delete an account for inactivity, and it is deliberately narrow.

An account qualifies only where every one of the following is true:

1. you have not signed in for the dormancy period we apply — a shorter period where the email address on the account was never confirmed, and a longer one where it was;
2. your account balance is zero;
3. you have never made a payment to us that completed;
4. you have never funded, or asked to fund, an account balance;
5. you have never had any balance transaction;
6. you do not hold a plan that is active or queued to start.

So if you have ever paid us anything, hold any balance at all, have ever funded an account, or hold a plan, this rule does not apply to you, however long you stay away.

We do not do this silently. Before an account reaches the threshold we send reminders to the email address on it, spaced out over a period of weeks. Signing in resets the clock completely — that is all it takes. The dormancy period that currently applies is stated in those reminders, and we will tell you what it is at any time if you ask.

Deletion under this rule is permanent. It removes the account and everything created under it, including anything you built and everything that holds, and it cannot be undone. If any of it matters to you, sign in, or keep your own copy.

14. Privacy — what we collect and why

This section and sections 15 to 17 are our privacy policy.

What we collect:

1. Account data — the name, username, email address and password hash, the one-time codes and two-factor recovery codes that secure your account, the details of any messaging account you link for notifications, and any other contact or verification details you choose to give us. Opening an account does not require a phone number.
2. Billing data — plan, balance, transactions, invoices, payment references, and records of what you bought and consumed. We receive confirmation and reference data from the payment gateways we use, together with the transfer references, wallet addresses or transaction identifiers attached to a payment. We do not ask for or store the credentials of any instrument you pay us with, and we hold no payout details, because we do not pay money out. Where a Service issues an instrument to you, item (h) applies instead.
3. Content and service data — what you upload, enter, generate, send, publish or store through the Platform, and the details you supply so that a Service can do its job. Depending on the Service, that may include phone numbers, email addresses, postal or delivery addresses, names and other personal details — your own, or those of the people you are contacting, calling, sending to or transacting with. It also includes the delivery, call and transaction records generated when a Service runs, and it is passed to the carriers, networks and suppliers needed to carry out your request.
4. End User data — personal data about the people who use, visit, receive or interact with what you build, publish or send. Depending on the Service and on how you configure it, this can include their names, email addresses, phone numbers, postal and delivery addresses, messages, images, dates of birth, identity documents and photographs submitted for verification, and card or account details they enter. You decide what is collected and why. As between you and us that data is yours and we process it on your behalf — see section 10(c). Material of this kind reaches us only because you chose to collect it, and having a lawful basis for that, and telling those people what you are doing with it, is your responsibility.
5. Technical data — IP address, device and browser information, timestamps, pages and endpoints accessed, referrer, approximate location derived from IP, error and security logs.
6. Support data — the messages, attachments and context you send us when you ask for help, and our replies.
7. Communications data — whether our emails to you were delivered, and your notification preferences.
8. Credentials and secrets you ask us to hold — where a Service needs them in order to work for you, we store the access details you supply or that are issued to you: mail-server hosts, usernames and passwords, API keys, access tokens, and the details of any card, number or other instrument a Service issues to you. We hold these solely to run that Service for you, we protect them, and we use them for nothing else.
9. Recordings, files and media — anything you upload, or that a Service generates and stores for you: images, documents, attachments, the contents of any mailbox a Service provides you with, and, where a Service places or receives calls, the call metadata and any recording made.

Much of the above is not data about you. When you use the Platform to reach, serve or transact with other people, their personal data passes through us because you put it there. Section 10 sets out who is responsible for it, and the answer is usually you.

Much of it is also handled by other companies on our behalf. Delivering a Service can mean passing what it needs to a gateway, carrier, network, registry, issuer, host or other supplier, and some of them keep their own records under their own terms. Section 15 sets out who we share data with and why.

Some Services can record calls, capture identity documents, or collect payment details from the people you reach. Where you switch one of those on, the law that applies to those people may require their consent, a notice, or both before you do it. Obtaining that is your responsibility, not ours.

Why we use it:

1. to create and operate your account, and to authenticate you;
2. to deliver whatever Services you have enabled, which includes passing the necessary data to the suppliers who fulfil them;
3. to take payment, manage balances, issue receipts, and keep accounting records;
4. to provide support and to respond to you;
5. to keep the Platform secure — detecting and preventing fraud, abuse, account takeover, spam and attacks;
6. to send service, security, billing and legal notices, which are part of the service and which you cannot opt out of while you hold an account;
7. to send optional updates about the Platform, which you can opt out of at any time;
8. to understand how the Platform is used, in aggregate, so we can maintain and improve it;
9. to comply with the law and to establish, exercise or defend legal claims.

We rely on the performance of this contract with you, our legitimate interest in running and protecting the Platform, your consent where we ask for it, and our legal obligations — whichever of these is recognised by the law that applies to you.

We do not sell personal data. We do not use your Content to train artificial intelligence models for other customers or for general-purpose use. Where a Service you enable uses an automated or machine-learning component to produce a result for you, the data it processes is used to produce that result for you.

15. Privacy — sharing, storage and retention

Who we share data with:

1. suppliers and processors who host, transmit, deliver, verify or fulfil something on our behalf — only what they need, and only to do that job;
2. payment gateways and processors, to take payment and to confirm, trace, reverse or dispute a transaction;
3. professional advisers, auditors and insurers, under a duty of confidence;
4. a buyer or successor, if the business or a part of it is sold, merged or reorganised, with notice to you where the law requires it;
5. law enforcement, regulators, registries, courts or other authorities, where we are legally required to, or where we reasonably believe it is necessary to prevent serious harm or a crime;
6. you — where the data concerns your own End Users and you have asked for it.

Where we build or operate something for you that reaches End Users, those End Users’ data is shared with the suppliers needed to reach them.

International transfers. Our suppliers and infrastructure are in more than one country, so your data — and your End Users’ data — may be stored or processed outside the country you are in. Where the law that applies to you requires safeguards for such transfers, we use the safeguards it requires.

How long we keep it:

1. account data — while your account is open, and for a reasonable period afterwards to handle disputes, fraud and legal claims;
2. billing and transaction records — for the period required by tax and accounting law, which is typically several years and which applies even after your account is closed;
3. Content and anything you built — until you delete it, or until the retention period after closure or suspension ends, whichever comes first;
4. technical and security logs — for a shorter period, appropriate to security monitoring and incident investigation;
5. support conversations — while they may be relevant to your account or a dispute.

Backups are kept on a rolling cycle and are overwritten in the ordinary course. Something you delete from the live Platform may persist in a backup for a period after deletion, and anonymised or aggregated data may be kept indefinitely.

Security. We use technical and organisational measures appropriate to the risk — encryption in transit, hashed passwords, access control, and monitoring. No system is completely secure, and we cannot guarantee that data will never be accessed, disclosed, altered or destroyed without authorisation. You must play your part: protect your password, protect any keys or tokens issued to you, and tell us immediately if something looks wrong.

16. Privacy — your choices and your rights

You can view and correct most of your details directly in your account. You can close your account at any time.

Where the law that applies to you gives you rights over your personal data — to access it, correct it, delete it, restrict or object to its use, withdraw a consent, or receive a copy of it in a portable form — you can exercise them by contacting us using section 24. We will respond within the time the applicable law allows. We may ask you to verify your identity first, and we may decline where the law permits us to, for example where a record must be kept for tax or legal reasons, or where releasing it would reveal someone else’s personal data.

You can opt out of optional marketing messages at any time, using the link in the message or the settings in your account. Service, security, billing and legal notices will continue while you hold an account.

If you believe we have handled your personal data wrongly, contact us first so we can try to fix it. If a data protection authority has jurisdiction over you, you may also complain to it.

Children. The Platform is not intended for anyone under 18, and we do not knowingly collect data from children. If you believe a child has given us personal data, contact us and we will delete it.

Requests from End Users. If one of your End Users asks us about data that reached us because of something you built or sent, we will normally direct them to you, and we may pass their request on to you. You must handle it.

17. Cookies and similar technologies

We use cookies and equivalent browser storage for things the Platform cannot work without: keeping you signed in, keeping your session secure, remembering your preferences, protecting against automated abuse, and measuring use in aggregate so we can keep the Platform working.

You can block or delete cookies in your browser, but if you block the ones we need for sign-in and security, you will not be able to use your account.

Where a Service you enable loads a third-party component, that third party may set its own storage under its own terms.

18. Intellectual property

The Platform — its software, interfaces, designs, templates, documentation, branding and everything else we provide — belongs to us or to our licensors. Subject to these Terms and to your plan, we grant you a limited, personal, non-exclusive, non-transferable, revocable right to use it for as long as your account is in good standing. Nothing else is granted, and all other rights are reserved.

You must not copy, modify, distribute, sell, sublicense, rent or create derivative works from the Platform itself, remove or obscure any notice on it, or use our name, logo or branding without our written permission. This restriction is about the Platform — the tool you log into. It does not restrict what you do with what you make using it; see below.

Where a Service produces an output for you from your own inputs, the output is yours, subject to any third-party rights in what you put in and to any rules attached to that Service.

What you build with the Platform is yours to use commercially. You may sell it, rent it, license it, or operate it for your own customers, under your own name and branding rather than ours, provided your plan permits it and you meet section 10. Those customers deal with you, not with us — they have no relationship with us and no rights against us. What you may not do is resell, share or hand on access to the Platform itself — your account, your dashboard, or the tools behind it — to anyone outside your own organisation, unless your plan expressly allows it under section 8(i).

If you send us feedback, ideas or suggestions, we may use them freely, with no obligation and no payment to you.

19. Disclaimers

To the fullest extent the law allows, the Platform and everything on it is provided “as is” and “as available”, with no warranties of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

We do not warrant that the Platform will be uninterrupted, timely, secure or error-free, that any defect will be corrected, that any result will be accurate, complete, current or suitable for your purpose, or that any Service will remain available — see section 2.

Nothing on the Platform is legal, financial, tax, investment, medical or other professional advice. Anything that looks like a template, sample, projection, estimate, rate or example is illustrative only, and anything the Platform produces that resembles a document, record, statement or confirmation is a mock-up — section 8 governs what you may do with it. You are responsible for deciding whether what you do with the Platform is lawful, appropriate and correct in your situation, and for getting professional advice where you need it.

Nothing in these Terms excludes liability that cannot be excluded by law, including liability for death or personal injury caused by negligence, or for fraud.

20. Limitation of liability

To the fullest extent the law allows, we are not liable for any indirect, incidental, special, consequential, exemplary or punitive loss, or for loss of profit, revenue, business, goodwill, opportunity, anticipated saving, or data — whether or not we were told such loss was possible.

We are also not liable for: the unavailability, restriction, change or withdrawal of any Service; the acts, omissions, failures, rules or pricing of any third party; anything you or your End Users do with what you build or send; loss or corruption of Content where you did not keep your own copy; unauthorised access to your account where you did not keep your credentials secure; or anything outside our reasonable control.

Where we are liable, our total aggregate liability for all claims in any 12-month period is limited to the greater of the amount you actually paid us for the Platform in the 12 months before the event giving rise to the claim, or 50 US dollars (or its equivalent).

These limits apply to every kind of claim — contract, tort, negligence, statute or otherwise — and they survive termination.

21. Indemnity

You will indemnify us, and our officers, employees, suppliers and agents, against any claim, demand, loss, liability, fine, damages or reasonable cost (including legal fees) arising from your Content, from anything you build, send or operate using the Platform, from your breach of these Terms or of any law, or from a dispute between you and an End User or a third party.

We will tell you about any such claim, and you will not settle it in a way that imposes any obligation or admission on us without our written agreement.

22. Changes to these Terms

We may change these Terms — to reflect changes to the Platform, to our suppliers, to our pricing model, or to the law.

The current version is always the one shown in your account. Where a change is material, we will give notice by email, by an in-account notice, or by requiring you to agree again before you can continue. Where a change is minor — a correction, a clarification, a change of contact details — we may make it without notice.

Changes take effect when they are published, or on the date stated in the notice. If you keep using the Platform after that, you are bound by the new version. If you do not accept it, stop using the Platform and close your account; where you had already paid for a period you can no longer use, section 13 applies.

23. Disputes and general terms

If you have a problem, contact us using section 24 before you start any formal proceedings, and give us 30 days to put it right. Most disputes are settled that way, and we would rather settle yours that way too.

We may bring proceedings to protect our intellectual property, or to recover amounts owed to us, anywhere you are located or hold assets.

If any part of these Terms is found to be unenforceable, the rest continues to apply, and the unenforceable part is replaced by the closest enforceable equivalent.

These Terms, together with anything we publish for a particular Service, are the entire agreement between us about the Platform, and replace anything said or written before. Our failure to enforce a right is not a waiver of it. You may not transfer your rights under these Terms without our written consent; we may transfer ours as part of a sale or reorganisation of the business.

24. How to contact us

The Platform is operated by Coda Tools.

Email: notice@codatools.com — use this for support, billing, legal and privacy requests alike.

You can also reach us through the support channel in your account. Please use it for anything about your account, so we can match your request to it.