Terms of Use

Last updated: 18 August 2026

1. Provider and scope

These Terms of Use govern the use of the Skilloo app and of the skilloo.com website. Your contract for the use of the app is with Skilloo GmbH, Sophie-Ressl-Weg 13, 84034 Landshut, Germany, registered with the Local Court (Amtsgericht) of Landshut under HRB 15463 (see Impressum (legal notice)). Contact: info@skilloo.com.

Purchases — including the Skilloo PRO subscription — are not concluded with Skilloo GmbH but are processed exclusively through Apple’s App Store. For the purchase transaction, Apple is your contractual partner, and Apple’s Media Services Terms and Conditions apply in addition to these Terms (see Section 5).

These Terms are available in nine languages (German, English, Spanish, French, Italian, Brazilian Portuguese, Japanese, Hindi, and Simplified Chinese). The German version is authoritative; in the event of a discrepancy it prevails over every other language version, except to the extent mandatory law of the state of your habitual residence provides otherwise. This does not apply to users to whom Section 15 (Additional terms for users in the United States) applies: for them, the English version of these Terms governs in its entirety. All other language versions are non-binding convenience translations.

2. Eligibility

Skilloo is intended exclusively for adults. Skilloo may be used only by persons who (a) are at least 18 years of age, (b) have the legal capacity to enter into a binding contract, and (c) are not prohibited from using the app under the law applicable to them; the offering is not directed at children or minors. By downloading, installing, or using Skilloo you confirm that you meet these requirements. If you do not meet them, you must not use the app. Skilloo GmbH does not knowingly permit use by persons under 18 and may rely on the age rating and the age-related restrictions of Apple’s App Store and of the operating system.

3. The Skilloo service

Skilloo is an entertainment app that stages a show of AI-generated expert characters: virtual personas appear, discuss topics, respond to your prompts and — on capable devices — generate speech, images, and video.

Skilloo runs on your device. All AI generation, voice synthesis, and data storage take place locally on the device you use. The app requires no account, and Skilloo operates no servers for it; Skilloo does not receive, store, or host any of your content. Certain optional functions use network connections under your control — for example, downloading voice models from Apple-hosted infrastructure, or the optional iCloud sync for PRO subscribers, which synchronises your data solely within your own Apple iCloud account. Details are set out in the Privacy Policy.

4. Entertainment only — no advice, no reliance

4.1 Skilloo is an entertainment product and nothing else. The “experts” appearing in Skilloo are fictional AI characters. They perform: their statements are generated performances, not the assessments of real professionals — and this remains so even where a character is styled as, for example, a tax advisor, physician, lawyer, therapist, or coach. No character is a licensed professional, and no statement of a character represents the views of Skilloo GmbH.

4.2 Skilloo content does not constitute, and does not replace, medical, psychological or therapeutic, legal, tax, financial, investment, or any other professional advice, diagnosis, or treatment. Skilloo is not a medical device, not a healthcare, counselling, or crisis service, and not a licensed provider of any regulated service. Using the app creates no advisory, treatment, fiduciary, or client relationship of any kind with Skilloo GmbH or with anyone else, and Skilloo GmbH assumes no duty to monitor, verify, or correct what the characters say.

4.3 All statements, texts, voices, images, and videos in Skilloo are generated by artificial-intelligence models — including models provided by the operating system and open-source components that Skilloo GmbH neither trains nor controls — running on your device or, where you enable it, through an optional network-based feature under your control (Section 3), and without human review by Skilloo GmbH. The predefined knowledge documents of the characters (Section 7) are background material curated for entertainment, not for professional accuracy, and are subject to this Section 4. AI-generated content can be incorrect, incomplete, out of date, fabricated, biased, offensive, or entirely fictional — even where it sounds confident — may coincidentally resemble real persons, events, or works, and has no access to current information unless a tool you have enabled retrieves data with your permission. Skilloo content is provided for entertainment without any promise of accuracy, completeness, or suitability for any purpose. Any use of Skilloo content beyond entertainment — in particular any decision with legal, health-related, financial, or otherwise significant consequences — is made on your own responsibility and at your own risk and is not a use for which Skilloo is offered; obtain the advice of a qualified professional instead. You alone decide whether and how to use, share, or publish generated content and are responsible for doing so lawfully (Section 6).

4.4 Skilloo is not designed for emergencies or crises and cannot reliably recognise or respond to them. If you or someone else is in danger or in a mental-health crisis, stop using the app and contact your local emergency services or a crisis line immediately — in the United States, call or text 988 (Suicide & Crisis Lifeline) or call 911; in the European Union, call 112; in Germany, the Telefonseelsorge is available around the clock on 116 123.

4.5 Skilloo GmbH’s liability is governed by Section 10 and, for users in the United States, additionally by Section 15. This Section 4 describes the nature and limits of the service; it does not extend that liability and does not limit any right that cannot be limited under mandatory law.

5. Skilloo PRO subscription

The app is free to download and use. The optional Skilloo PRO subscription unlocks additional features and content.

Skilloo PRO costs €7.99/month or €49.99/year, auto-renewing. Prices include VAT where applicable and may vary by App Store storefront and currency. There is no free trial, no introductory offer, and no Family Sharing.

Skilloo PRO is purchased exclusively as an auto-renewable in-app subscription through Apple’s App Store. Apple is the contractual partner for the purchase and handles billing; Skilloo receives no payment data. The subscription renews automatically for a further month or year, as applicable, unless it is cancelled at least 24 hours before the end of the current period. Payment is charged to your Apple Account at confirmation of purchase, and your Apple Account is charged for the renewal within 24 hours before the end of the current period. It can be cancelled at any time in the subscription settings of your Apple Account (Settings → [your name] → Subscriptions); access to PRO features continues until the end of the period already paid for.

Refunds and statutory withdrawal rights for digital content are handled through Apple in accordance with Apple’s Media Services Terms and Conditions; requests can be submitted directly to Apple (for example, at reportaproblem.apple.com). Price changes for future subscription periods are announced through the App Store’s mechanisms, never apply retroactively, and do not affect your ability to cancel before they take effect.

Purchases already made can be restored in the app free of charge (“Restore purchases”).

6. User obligations

You must use Skilloo in compliance with applicable law. In particular, you must not

• use the app, or content generated with it, for unlawful purposes or in a way that infringes the rights of third parties;
• present AI-generated content as professional advice or as an authentic recording of real events or real persons;
• use Skilloo, or rely on its content, in situations in which an error could lead to injury, damage to health, or significant financial or legal harm (for example, for medical decisions, emergency response, dosing, safety-critical, or investment decisions);
• use Skilloo if you are under 18 years of age or where its use is not permitted to you (Section 2);
• remove, obscure, or alter the visible “AI created by Skilloo” watermark on generated images and videos;
• circumvent the app’s technical safeguards or reverse-engineer the app; mandatory statutory rights (for example, under Sections 69d and 69e of the German Copyright Act, UrhG) remain unaffected.

7. Intellectual property; your prompts and generated content

The app — including its software, design, animations, and voices — and its predefined content (in particular the expert characters and their artwork, texts, and knowledge documents) are protected by copyright and other intellectual-property rights of Skilloo GmbH or its licensors. You are granted a non-exclusive, non-transferable right (einfaches Nutzungsrecht) to use this content within the app for personal purposes. Statutory limitations of copyright (for example, for private use) remain unaffected.

Your prompts are yours. Skilloo GmbH claims no rights in the input you enter.

Content generated with Skilloo is created locally on your device. Skilloo GmbH claims no ownership of it and is granted no usage rights in it — the app hosts no user content, and no licence to Skilloo GmbH is or needs to be granted. Whether and to what extent AI-generated content enjoys legal protection (for example, under copyright law) is determined by applicable law; to the extent such protection arises, it belongs to you. You may use generated media for private purposes; the watermark must remain intact (Sections 6 and 8).

Skilloo® is a registered trademark of Skilloo GmbH, registered in Germany (DPMA file no. 306 28 290.9).

8. Transparency of AI-generated content

All performances, texts, voices, images, and videos of the Skilloo experts are AI-generated and can contain errors (see Section 4). Skilloo makes this visible: every AI-generated image and video carries a visible “AI created by Skilloo” watermark applied at the moment of creation (transparency in line with Article 50 of the EU AI Act, Regulation (EU) 2024/1689). Your own photos are never marked. The app’s safety filters may block individual content or exclude it from further use.

9. Availability, changes, device requirements

Skilloo’s feature set depends on the capabilities of the device used: on-device AI features require a device that supports them (in particular, Apple Intelligence–capable hardware) and a current operating-system version; available features, languages, and voices may differ by device and region. An internet connection is required to download voice models.

Skilloo GmbH continues to develop the app and may modify individual features, taking your legitimate interests into account. Features that form part of a paid PRO subscription may be modified during the subscription period beyond what is necessary to maintain conformity only where a valid reason requires it — for example, adaptation to new technical environments (in particular new operating-system or hardware versions), to changed legal requirements, or necessary security-related improvements. Such modifications are made at no additional cost and are communicated clearly; the further requirements of Section 327r of the German Civil Code (BGB) — including the duties to inform and the termination right under Section 327r(3) and (4) BGB — and your statutory warranty rights remain unaffected.

10. Liability

Skilloo GmbH’s liability is unlimited for intent and gross negligence, for damage arising from injury to life, body, or health, under the German Product Liability Act (Produkthaftungsgesetz), and within the scope of any guarantee it has given.

In cases of slight negligence, Skilloo GmbH is liable only for the breach of essential contractual obligations (Kardinalpflichten) — obligations whose fulfilment makes the proper performance of the contract possible in the first place and on whose observance you may regularly rely; in these cases, liability is limited to the foreseeable damage typical for this type of contract.

Any further liability is excluded. If you are a consumer, the exclusions and limitations in this Section 10 apply only to the extent permitted by the mandatory law of the state of your habitual residence (Section 12). Where that law does not permit a particular exclusion or limitation of liability — for example, of liability for certain damages or under statutory warranty rights — that exclusion or limitation applies to you only to the extent that law allows, and your non-waivable statutory rights remain unaffected.

For users to whom Section 15 applies, Sections 15.2 and 15.3 apply in addition to and, in the event of a conflict, in place of the second and third paragraphs of this Section 10. The first paragraph of this Section 10 continues to apply to those users as a matter of German law and to the extent the law governing the claim provides for such liability; it preserves statutory liability and is not an assumption of liability beyond that provided by law, and it does not, by itself, create or extend liability for punitive, exemplary, or other non-compensatory damages, which German law does not recognise.

11. Term and termination

Use of the free app is possible for an indefinite period and can be ended at any time by ceasing use and deleting the app; deleting the app also deletes the content stored locally on the device (data in your own iCloud account is governed by your Apple settings). The Skilloo PRO subscription runs for the chosen period (one month or one year) and renews as described in Section 5 unless cancelled. The right of both parties to terminate for good cause remains unaffected.

12. Governing law

These Terms and the contract for the use of the app are governed by the law of the Federal Republic of Germany, excluding the UN Convention on Contracts for the International Sale of Goods (CISG). If you are a consumer, this choice of law does not deprive you of the protection afforded by mandatory provisions of the law of the state in which you have your habitual residence. No exclusive venue is established against consumers. For users to whom Section 15 applies, Section 15.6 governs the resolution of disputes and Section 15.7 the choice of law; the Federal Arbitration Act governs Section 15.6 to the extent stated there.

13. Consumer dispute resolution

Skilloo GmbH is neither obliged nor willing to participate in dispute-settlement proceedings before a consumer arbitration board (Section 36 of the German Consumer Dispute Resolution Act, VSBG).

14. Apple App Store terms

Because Skilloo is distributed through Apple’s App Store, the following provisions, which Apple requires, apply in addition to the other provisions of these Terms. Your non-waivable statutory rights remain unaffected.

14.1 Parties. These Terms are concluded solely between you and Skilloo GmbH, and not with Apple Inc. or its subsidiaries (“Apple”). Skilloo GmbH, not Apple, is solely responsible for the app and its content. Apple processes billing, cancellation, and refunds for Skilloo PRO and, depending on the App Store storefront, acts either as merchant of record or as agent for Skilloo GmbH. Where Apple acts as agent, the purchase contract for Skilloo PRO is with Skilloo GmbH but is concluded, billed, cancelled, and refunded exclusively through Apple, and references in Sections 1 and 5 to Apple as the contractual partner for the purchase are to be read accordingly. In each case Apple’s Media Services Terms and Conditions apply to the purchase in addition to these Terms (Section 5), and your statutory rights against Apple under the purchase remain unaffected.

14.2 Scope of licence. Skilloo GmbH grants you a non-transferable licence to use the app on Apple-branded devices that you own or control, as permitted by the Usage Rules set out in the Apple Media Services Terms and Conditions. Where Apple’s Family Sharing or volume purchasing so provides, the free app may also be installed and used under other accounts associated with you; the Skilloo PRO subscription is not eligible for Family Sharing (Section 5). The rights in the app’s predefined content are set out in Section 7.

14.3 Maintenance and support. Skilloo GmbH alone is responsible for any maintenance and support of the app, to the extent provided for in these Terms or required by applicable law; requests can be directed to the contact details in Section 14.8. Apple has no obligation whatsoever to furnish any maintenance or support services with respect to the app.

14.4 Warranty. Skilloo GmbH alone is responsible for any warranty for the app, whether express or implied by law, to the extent such warranty has not been excluded as permitted by law. If the app fails to conform to an applicable warranty, you may notify Apple, and Apple will refund to you the purchase price paid for the app (the app is free to download; refunds for Skilloo PRO are handled by Apple in accordance with Section 5). To the maximum extent permitted by applicable law, Apple has no other warranty obligation whatsoever with respect to the app; any other claims, losses, liabilities, damages, costs, or expenses attributable to a failure to conform to a warranty are — as between Apple and Skilloo GmbH — the sole responsibility of Skilloo GmbH; Sections 10 and 15 remain unaffected.

14.5 Product claims. Skilloo GmbH, not Apple, is responsible for addressing any claims by you or any third party relating to the app or to your possession and/or use of the app, including (i) product-liability claims; (ii) any claim that the app fails to conform to an applicable legal or regulatory requirement; and (iii) claims arising under consumer-protection, privacy, or similar legislation. This does not extend Skilloo GmbH’s liability beyond what applies under Sections 10 and 15 and applicable law.

14.6 Intellectual property. In the event of any third-party claim that the app or your possession and use of the app infringes that third party’s intellectual-property rights, Skilloo GmbH, not Apple, is solely responsible for the investigation, defence, settlement, and discharge of that claim.

14.7 Legal compliance. You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo or that has been designated by the U.S. Government as a “terrorist supporting” country, and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties or on any comparable sanctions list of the European Union or the United Nations. You must comply with all applicable export-control and sanctions laws in connection with the app.

14.8 Contact. Questions, complaints, or claims regarding the app should be directed to Skilloo GmbH, Sophie-Ressl-Weg 13, 84034 Landshut, Germany; email: info@skilloo.com; telephone: +49 (0) 151 44244386.

14.9 Third-party terms. When using the app, you must comply with any applicable third-party terms of agreement — for example, the Apple Media Services Terms and Conditions, the terms of your Apple Account and iCloud, and the terms of your mobile-network or internet provider when the app uses a network connection.

14.10 Third-party beneficiary. Apple and Apple’s subsidiaries are third-party beneficiaries of these Terms. Upon your acceptance of these Terms, Apple has the right (and is deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary. Otherwise these Terms create no rights for third parties.

15. Additional terms for users in the United States

15.1 Scope, precedence, language. This Section 15 applies only if you have your habitual residence in the United States of America (including its territories) at the time you accept these Terms (“US user”). For US users, this Section 15 applies in addition to the other Sections of these Terms; in the event of a conflict between this Section 15 and Sections 1, 9, 10, 12, 13, or 14.4 — and, as regards Apple’s role in the purchase, Section 5 — this Section 15 prevails. This Section 15 has no effect for any other user; in particular, no exclusion, limitation, waiver, or dispute-resolution provision of this Section 15 applies to users having their habitual residence in a Member State of the European Union, the European Economic Area, the United Kingdom, or Switzerland, for whom, in those matters, Sections 10, 12, and 13 alone apply. For US users, the English version of these Terms governs in its entirety (Section 1). Nothing in this Section 15 limits any right that cannot be limited under the law applicable to you; the first paragraph of Section 10 continues to apply as stated in the fourth paragraph of Section 10.

15.2 Disclaimer of warranties.

Where the law of your state does not allow the disclaimer of certain implied warranties, this Section 15.2 applies only to the extent that law allows, and any implied warranty that cannot be disclaimed is limited in duration to thirty (30) days from your first use of the app, to the extent such a limitation is permitted. Section 15.5 states how this Section applies to residents of New Jersey.

15.3 Limitation of liability.

(c) The exclusions and limitations in this Section 15.3 do not apply to liability that cannot be excluded or limited under applicable law, and they do not exclude or limit the liability of Skilloo GmbH (i) for its own fraud or wilful misconduct; (ii) for death or personal injury caused by its negligence; (iii) for gross negligence, where and to the extent applicable law does not permit such liability to be limited; (iv) under any non-waivable product-liability or consumer-protection statute; or (v) under the first paragraph of Section 10, which continues to apply as stated in the fourth paragraph of Section 10 — that is, to the extent the law governing the claim provides for such liability and without creating or extending any liability for punitive, exemplary, or other non-compensatory damages. Where applicable law permits limitation but not exclusion, liability is limited to the extent that law allows.

(d) The exclusions and limitations in this Section 15.3 are an essential basis of the bargain between you and Skilloo GmbH — the app is offered free of charge or for a small subscription fee in reliance on them —, are independent of one another, and apply even if a limited remedy fails of its essential purpose.

(e) If any part of this Section 15.3 is held unenforceable in respect of a US user, the remaining parts of Sections 15.2 to 15.8 remain in effect and Section 10 applies to that user for the matter concerned.

15.4 Indemnification. To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Skilloo GmbH and its managing directors, employees, agents, and licensors from and against any third-party claims, and any resulting damages, liabilities, penalties, costs, and expenses (including reasonable attorneys’ fees), to the extent arising out of (a) your culpable breach of Section 6 (User obligations); (b) your unlawful use of the app or of content generated with it, including presenting AI-generated content as professional advice or as an authentic recording of real events or persons, or removing or altering the watermark; or (c) your infringement of any third party’s rights — including intellectual-property, privacy, publicity, and personality rights — through your prompts, uploads, or use, publication, or distribution of generated content. This obligation does not apply to the extent a claim results from the negligence, breach, or misconduct of Skilloo GmbH itself, or where an indemnification obligation of a consumer is prohibited by applicable law. Skilloo GmbH will notify you promptly of any such claim, will not settle it in a manner that imposes obligations on you without your consent (not to be unreasonably withheld), and may participate in the defence with counsel of its own choosing at its own expense.

15.5 State-specific notices; export and US Government end users.

(a) Some states do not allow certain exclusions or limitations of warranties, remedies, or damages. Where a provision of this Section 15 cannot be applied in full under the law of your state, it applies to the maximum extent permitted, and you may have additional rights that vary from state to state; sub-sections (b) and (c) state what applies in New Jersey and California.

(b) Notice to New Jersey residents. Sections 15.2, 15.3, and 15.4 are intended to be only as broad and inclusive as is permitted by the laws of the State of New Jersey and apply to New Jersey residents only to that extent. Nothing in these Terms limits or excludes any liability of Skilloo GmbH that cannot be limited or excluded under New Jersey law, including under the New Jersey Punitive Damages Act, the New Jersey Products Liability Act, the Uniform Commercial Code as enacted in New Jersey, the New Jersey Consumer Fraud Act, or the New Jersey Truth-in-Consumer Contract, Warranty and Notice Act. In particular, for New Jersey residents: Section 15.3 does not limit liability for damages resulting from the negligence of Skilloo GmbH to the extent New Jersey law prohibits such a limitation, and does not exclude or limit liability for death or personal injury; the thirty-day limitation of implied warranties in Section 15.2 does not apply; Section 15.4 does not require you to indemnify Skilloo GmbH for its own negligence or fault; and Section 15.6 applies only to the extent enforceable under New Jersey law.

(c) Notice to California residents (Cal. Civ. Code § 1789.3). The app and the website are provided by Skilloo GmbH, Sophie-Ressl-Weg 13, 84034 Landshut, Germany, info@skilloo.com. The app is free of charge; the optional Skilloo PRO subscription is billed by Apple at the price displayed in the App Store at the time of purchase (Section 5). If you have a complaint regarding the app or wish to receive further information regarding its use, please contact us at the address above. California residents may also contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210 or (916) 445-1254. Nothing in these Terms waives any right or remedy that you have under the California Consumers Legal Remedies Act (Cal. Civ. Code § 1750 et seq.), the California Unfair Competition Law, or any other California consumer-protection law and that cannot be waived by contract (see Cal. Civ. Code § 1751); Sections 15.2 to 15.4 apply to California residents only to the extent permitted by California law, and Section 15.6 does not prevent you from seeking public injunctive relief in court where California law guarantees that right (Section 15.6(d)).

(d) Export controls; US Government end users. Section 14.7 applies. The app and its documentation are “commercial computer software” and “commercial computer software documentation” within the meaning of FAR 2.101, FAR 12.212, and DFARS 227.7202; if you are an agency or instrumentality of the US Government, you receive only the rights granted to all other users under these Terms.

15.6 Dispute resolution — informal resolution, binding arbitration, class-action waiver, jury-trial waiver.

(a) Informal resolution first. Before starting arbitration or a court action (other than in small-claims court), the party raising a dispute must send the other party a written notice (“Notice of Dispute”). Notice to Skilloo GmbH is sent by email to info@skilloo.com with the subject “Notice of Dispute” (and may additionally be sent by mail to Skilloo GmbH, Sophie-Ressl-Weg 13, 84034 Landshut, Germany); notice to you is sent to the email or postal address you have provided for this purpose. The Notice must state the name, postal address, and email address of the person raising the dispute, a description of the dispute, and the specific relief sought, and must be signed by that person or their counsel (or by Skilloo GmbH’s representative). Within sixty (60) days after receipt of the Notice the parties will try in good faith to resolve the dispute, including — if either party requests it — in an individual video or telephone conference in which you and a representative of Skilloo GmbH personally participate (counsel may attend). Statutes of limitations and any fee deadlines are tolled while this sub-section is being complied with. Only if the dispute is not resolved within those sixty (60) days may either party start arbitration or a court action.

(b) Scope; binding arbitration. Except as provided in (d), any dispute, claim, or controversy between you and Skilloo GmbH (including its managing directors, employees, agents, licensors, successors, and assigns) arising out of or relating to these Terms, the app, the website, any content — in particular any AI-generated content — or the relationship between us, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and whether it arose before or after your acceptance of these Terms — but excluding any dispute already filed in a court or in arbitration before you accepted a version of these Terms containing this Section 15.6 — (“Dispute”), shall be finally resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules — and, where applicable, its Mass Arbitration Supplementary Rules — in effect when the arbitration is filed, as modified by this Section 15.6 (rules and forms at www.adr.org). If the AAA is unavailable or unwilling to administer the arbitration in accordance with this Section 15.6, the parties will agree on another administrator and, failing agreement, a court will appoint one under 9 U.S.C. § 5. The arbitrator, and not any court, decides all disputes about the interpretation, applicability, scope, validity, or enforceability of this Section 15.6, including whether a Dispute is arbitrable — except that a court decides whether the class-action waiver in (f) is enforceable and decides disputes about the opt-out in (i). A single neutral arbitrator — a retired judge or an attorney with at least ten years’ experience — decides the Dispute, applies these Terms and the applicable law (Section 15.7, including the mandatory law of your state of residence), may award any individual relief that a court could award, and issues a reasoned written decision. Any hearing takes place in the county of your residence in the United States or, if you so elect, by video conference or telephone; Disputes in which the amount claimed does not exceed USD 25,000 are decided on written submissions unless either party requests a hearing or the arbitrator finds one necessary. Judgment on the award may be entered in any court with jurisdiction. This Section 15.6 is governed by the Federal Arbitration Act (9 U.S.C. § 1 et seq.), notwithstanding Section 12.

(c) Fees. Filing, administrative, and arbitrator fees are allocated in accordance with the AAA rules; in addition, Skilloo GmbH will pay all such fees for any Dispute in which you seek USD 10,000 or less, unless the arbitrator finds that the claim is frivolous or was brought for an improper purpose. Each party bears its own attorneys’ fees and costs unless applicable law or the AAA rules provide otherwise or the arbitrator awards them; Skilloo GmbH will not seek attorneys’ fees or costs from you unless the arbitrator finds that your claim was frivolous or brought for an improper purpose. Any right you have to recover attorneys’ fees under a statute remains unaffected.

(d) Exceptions. Either party may (1) bring an individual claim in a small-claims court with jurisdiction, as long as the claim qualifies and remains in that court on an individual basis; (2) seek injunctive or other equitable relief in court to protect its intellectual-property, privacy, or personality rights or to prevent unauthorised use of the app or of its content; and (3) bring a complaint before a federal, state, or local agency, which may seek relief on your behalf where the law permits. Nothing in this Section 15.6 prevents you from seeking public injunctive relief in court where the law of your state guarantees that right; the last sentence of (f) applies to such a request.

(e) Mass arbitration. If twenty-five (25) or more Notices of Dispute or arbitration demands raising similar issues are submitted within ninety (90) days by or with the assistance of the same or coordinated counsel or organisations (a “Mass Filing”), then: (1) the AAA Mass Arbitration Supplementary Rules and their fee schedule apply; (2) twenty (20) Disputes, ten (10) selected by each side, are arbitrated first as bellwethers, and the parties will cooperate so that they conclude within one hundred and twenty (120) days of appointment of the arbitrators; (3) after the bellwethers conclude, the parties will mediate the remaining Disputes for sixty (60) days before a mediator agreed by the parties or appointed by the AAA; (4) Disputes not resolved in mediation proceed in batches of up to one hundred (100), grouped by counsel and similar issues, each batch before one arbitrator — or, at the election of either party made within thirty (30) days after the end of the mediation, in court on an individual basis under (f) and (j), in which case (b) does not apply to those Disputes. No claimant is bound by the award in another claimant’s Dispute. Statutes of limitations and fee deadlines are tolled for a Dispute from the submission of its Notice until it is heard or filed in court under this sub-section; if a Dispute has not been heard within eighteen (18) months after its Notice, its claimant may proceed in court under (j).

(f) Class-action and representative-action waiver.

If a court decides that this class-action waiver is unenforceable as to a particular claim or request for relief (such as a request for public injunctive relief), then that claim or request — and only that claim or request — must be brought in court under (j) and will be stayed pending arbitration of the remaining claims; in no event will any Dispute be arbitrated on a class or representative basis.

(g) Jury-trial waiver.

(h) Individual basis in court. To the extent permitted by applicable law, any Dispute that proceeds in court will be brought only in your or Skilloo GmbH’s individual capacity, subject to (f) and (d).

(i) 30-day opt-out. You may opt out of the arbitration agreement and class-action waiver in this Section 15.6 by sending an email to info@skilloo.com with the subject “Arbitration Opt-Out” within thirty (30) days after you first accept a version of these Terms that contains this Section 15.6 (or, in the case of a later change to this Section 15.6, within thirty (30) days after you accept the change), stating your name, your postal address, the email address you use for this purpose, and a clear statement that you opt out of arbitration. Opting out does not affect any other part of these Terms and has no other consequence for your use of the app. Skilloo GmbH will honour a valid opt-out and confirm it by email. If you opt out, (j) applies to your Disputes.

(j) Court proceedings. Any Dispute that is not subject to arbitration — because you have opted out, because of (d) or (e), or because a court so decides — will be brought, if you are the claimant, at your election either in the state or federal courts located in the U.S. state in which you reside or in the courts of Landshut, Germany, and, if Skilloo GmbH is the claimant, only in the state or federal courts located in the U.S. state in which you reside; each party submits to the personal jurisdiction of those courts for that Dispute.

(k) Changes; severability; survival. Skilloo GmbH will present changes to this Section 15.6 in the app before they take effect (Section 16); a change does not apply to a Dispute of which either party has already given Notice, and you may reject a change to this Section 15.6 by opting out under (i), in which case the version you last accepted continues to apply. Except as provided in (f), if any part of this Section 15.6 is found unenforceable, the remainder stays in effect. This Section 15.6 survives the termination of these Terms and the end of your use of the app. This Section 15.6 does not apply to any user who is not a US user (Section 15.1); for such users, Sections 12 and 13 apply.

15.7 Governing law. For US users, these Terms and any Dispute — including claims in tort and under statute — are governed by the law of the Federal Republic of Germany, excluding the United Nations Convention on Contracts for the International Sale of Goods and excluding conflict-of-law rules (Section 12), provided that (i) the Federal Arbitration Act governs Section 15.6, and (ii) this choice of law does not deprive you of the protection of provisions of the law of your state of residence that cannot be derogated from by agreement. Where the law of your state governs a Dispute notwithstanding this choice, Sections 15.2 to 15.6 and 15.8 apply to the fullest extent permitted by that law.

15.8 Entire agreement; no reliance. For US users, these Terms — together with the Privacy Policy and, for the purchase of Skilloo PRO, Apple’s Media Services Terms and Conditions — are the entire agreement between you and Skilloo GmbH regarding the app and the website and supersede any prior or contemporaneous statements. To the maximum extent permitted by applicable law, you confirm that you have not relied on any statement, description, or representation not contained in these Terms — including App Store listings, marketing materials, and anything said by an AI character in the app — in deciding to download, use, or subscribe. This Section 15.8 does not exclude or limit liability for fraud and does not affect any right that cannot be waived under the law applicable to you.

16. Changes to these Terms

Skilloo GmbH may amend these Terms with effect for the future where a valid reason requires it — in particular changes in the law or in case law, new or changed features (Section 9), changes to the App Store’s requirements, or the closing of gaps that have become apparent — and provided the amendment does not alter the essential content of the contract (in particular the description of the service and the price) to your detriment. Amended Terms are presented in the app before they take effect and become binding only once you accept them there; the current Terms, with their date, are always published at skilloo.com, and earlier versions are available on request from info@skilloo.com. Amendments do not diminish the features of a paid PRO period beyond what Section 9 permits, and Section 15.6(k) applies to amendments of the arbitration agreement. If you do not accept amended Terms, you may end your use of the app as described in Section 11; PRO subscribers who do not accept may cancel their subscription with effect from the end of the current subscription period (Section 5), and during a paid PRO period the version of these Terms you last accepted continues to govern the features you have paid for until the end of that period, unless the amendment is required by mandatory law or by Section 9. Where mandatory law requires your express consent to a change, the change takes effect only with that consent. Because Skilloo requires no account and collects no contact data, Skilloo GmbH informs you of matters concerning these Terms by publishing them at skilloo.com and/or by displaying them in the app; you agree that these Terms and such notices may be provided electronically.

17. Severability

Should individual provisions of these Terms be or become invalid or unenforceable in whole or in part, the validity of the remaining provisions remains unaffected. Section 15 is separable from the other Sections: its provisions apply only to the users described in Section 15.1, and their validity or invalidity has no effect on Sections 1 to 14, 16, and 17, which remain in force independently for all users. Section headings are for convenience only and do not affect interpretation. Sections 4, 6, 7, 10, 12, 14, 15, 16, and 17 remain in force after the termination or expiry of the contract.