Terms of Service

last updated 2026-05-20

Plain-English version. txt.club is an SMS digest. You pay a subscription, we send you texts. AI writes the digests and can be wrong, so don't rely on it for anything important. We're a small team — we'll do right by you, but we limit our legal exposure to what you paid us. Disputes go to arbitration in Delaware, individually, not as a class.

The rest of this page is the formal version. By using txt.club you agree to it.

1. The agreement

These Terms of Service (the "Terms") are a binding contract between you and txt.club ("txt.club," "we," "us," or "our"). They govern your use of the SMS digest service at txt.club, the Stargirl product at txt.club/stargirl, any related sites, APIs, or features (collectively, the "Service"), and any messages you exchange with our number. By texting our number, signing up, or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you don't agree, don't use the Service.

2. Eligibility

You must be at least 13 years old. If you're between 13 and 18, you must have your parent or guardian's permission.
You must have legal capacity to enter a contract under the laws of your jurisdiction.
You must not be barred from receiving services under U.S. law or the law of any other applicable jurisdiction, and you must not be on any U.S. government denied-party or sanctions list.
If you use the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

3. The Service

The Service receives your SMS / iMessage messages, runs them through AI models, and sends back replies and scheduled digests of content you ask us to watch (e.g., YouTube channels, X accounts, or topics). Features, prompts, pricing, and content sources may change at any time. We may add, remove, or modify features; impose usage limits; or discontinue the Service entirely, with or without notice. We will use reasonable efforts to notify active subscribers of material changes that affect their subscription.

4. Your account and conduct

You agree that you will not:

Use the Service in violation of any law, regulation, or third-party right.
Provide false, misleading, or fraudulent information, including someone else's phone number, email, or payment method.
Send abusive, harassing, threatening, defamatory, obscene, or otherwise objectionable content; content that exploits minors; or content that infringes intellectual-property or privacy rights.
Use the Service to spam, phish, distribute malware, scrape, or send unsolicited commercial messages.
Attempt to reverse-engineer, decompile, probe, or interfere with the Service, its infrastructure, or its rate limits; or attempt to access another user's account.
Use the Service to compete with us, to train competing AI models, or to build a dataset for resale.
Resell, sublicense, or commercially redistribute the Service or its outputs.
Use automated means (bots, scripts) to interact with the Service except through interfaces we explicitly provide.

You are responsible for everything sent from your phone number or account. Keep your phone, email, and login credentials secure. If you suspect unauthorized use, contact us immediately at hi@txt.club.

5. Subscription, billing, and refunds

Pricing and trial

The subscription price, trial length, and any promotional terms are stated in the Service at the time you sign up (currently $8.88 / month USD with an 8-day trial; terms may change).
By starting a subscription you authorize us, through our payment processor Stripe, to charge your payment method on a recurring basis until you cancel.

Renewal and cancellation

Subscriptions automatically renew at the end of each billing period at the then-current price.
You may cancel at any time by texting cancel or by emailing hi@txt.club. Cancellation takes effect at the end of the current billing period; you keep access until then.
Texting STOP also cancels your subscription and silences outbound SMS. Reply start to resume contact.

Refunds

Except where required by law, all fees are non-refundable. We do not provide refunds or credits for partial periods, unused features, downgrades, or content you didn't read.
If you believe you've been charged in error, contact hi@txt.club within 30 days and we'll review in good faith.

Taxes and changes

Prices exclude applicable taxes, which may be added at checkout.
We may change prices for future billing periods. We'll provide reasonable advance notice (typically via SMS or email) before any price increase. Continued use after the change constitutes acceptance.

Failed payments

If a payment fails, we may retry, pause your access, or terminate your subscription. You remain responsible for amounts owed plus any reasonable collection costs.

6. Referral credits

The Service may offer referral credits to subscribers who bring in paying users. Credits have no cash value, are non-transferable, expire on terms we set, and may be revoked at our sole discretion in cases of fraud, self-referral, abuse, or violation of these Terms. We may change or end the referral program at any time.

7. SMS / mobile terms

By providing your mobile number you consent to receive recurring SMS or iMessage messages from us, including automated messages generated by AI.
Message frequency varies — typically one digest per day plus replies you initiate.
Message and data rates may apply. Check with your mobile carrier.
To opt out of all SMS, reply STOP. For help, reply HELP or email hi@txt.club.
Carriers are not liable for delayed or undelivered messages. We do not guarantee delivery, ordering, or timing of any specific message.
Your consent to receive messages is not a condition of any purchase.

8. AI-generated content — important

The Service produces output using large language models. Outputs can be incorrect, outdated, misleading, biased, fabricated ("hallucinated"), or otherwise unsuitable for any particular purpose. The Service is provided for informational and entertainment purposes only. It is not professional advice of any kind — including financial, investment, medical, legal, tax, psychological, astrological, or other professional advice — and no professional relationship is created by your use of it. Do not rely on any output for any decision that matters. Verify before acting. You alone are responsible for any action you take based on output from the Service.

The Stargirl product is presented for entertainment and self-reflection only. Astrology, tarot, and related content are not predictions of future events. The Service is not a substitute for a licensed mental-health professional. If you are in crisis, contact your local emergency services or a qualified provider.

9. Your content; license to us

You retain ownership of the messages you send us ("Your Content"). You grant us a worldwide, non-exclusive, royalty-free, sublicensable, transferable license to host, store, copy, transmit, process, display, and create derivative works of Your Content for the purposes of operating, securing, debugging, and improving the Service; processing it through model providers and other service providers; and producing aggregated or de-identified analytics. We do not use Your Content to train public foundation models. This license survives termination to the extent reasonably needed to fulfil legal obligations, resolve disputes, and maintain backups.

You represent and warrant that Your Content does not infringe any third-party right and complies with these Terms. You are solely responsible for Your Content and the consequences of submitting it.

10. Our intellectual property

The Service, including all software, text, designs, logos, prompts, branding, and the compilation of any outputs we send you, is owned by txt.club or our licensors and is protected by intellectual-property laws. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to use the Service for your personal, non-commercial use. All rights not expressly granted are reserved.

11. AI output ownership

As between you and us, and to the extent permitted by law, we assign to you our rights, if any, in the AI-generated output we send you, so you can use it for personal, non-commercial purposes. AI output may not be copyrightable, may be similar or identical to output generated for others, and may incorporate or reflect content from third-party sources subject to their own rights. You are responsible for confirming that your use of any output is lawful.

12. Third-party content and services

Digests may include links, summaries, or quotations of third-party content (YouTube videos, X posts, articles, podcasts, etc.). We don't control that content and aren't responsible for it or for the third parties' practices. Your use of any third-party service is governed by that service's own terms and privacy policy.

13. Suspension and termination

We may suspend or terminate your access at any time, with or without notice, for any reason — including violation of these Terms, suspected fraud or abuse, non-payment, legal request, security risk, or extended inactivity.
You may stop using the Service and cancel your subscription at any time as described in Section 5.
On termination, your right to use the Service ends immediately. Sections that by their nature should survive (including ownership, license to us, disclaimers, limitation of liability, indemnification, dispute resolution, and miscellaneous) survive termination.
We have no obligation to retain Your Content after termination beyond what is described in our Privacy Policy and required by law.

14. Disclaimers

The Service is provided "AS IS" and "AS AVAILABLE," with all faults and without warranty of any kind. To the maximum extent permitted by law, we disclaim all warranties, express, implied, statutory, or otherwise, including the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranty arising out of any course of dealing or usage of trade.

We do not warrant that the Service will be uninterrupted, secure, error-free, timely, accurate, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, reliability, or timeliness of any AI-generated output or any third-party content surfaced through the Service. Your use of the Service is at your sole risk.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you. In that case, our liability is limited to the greatest extent permitted by applicable law.

15. Limitation of liability

To the maximum extent permitted by law, in no event will txt.club, its affiliates, officers, employees, agents, suppliers, or licensors be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, use, goodwill, or other intangible losses, arising out of or relating to your access to or use of the Service, any content obtained from the Service, or any decision made or action taken in reliance on AI output, whether based on warranty, contract, tort (including negligence), statute, or any other legal theory, and whether or not we have been advised of the possibility of such damages.

To the maximum extent permitted by law, our total cumulative liability for all claims arising out of or relating to these Terms or the Service will not exceed the greater of (a) the amount you paid us in the 12 months immediately preceding the event giving rise to the claim, or (b) one hundred U.S. dollars (US$100).

These limitations apply even if a remedy fails of its essential purpose. Some jurisdictions do not allow certain limitations of liability, so some of the above may not apply to you; in that case, our liability is limited to the greatest extent permitted by applicable law.

16. Indemnification

You agree to defend, indemnify, and hold harmless txt.club and its affiliates, officers, employees, agents, suppliers, and licensors from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with (a) your use of or access to the Service; (b) Your Content; (c) your violation of these Terms; (d) your violation of any third-party right, including any intellectual-property or privacy right; or (e) any action taken in reliance on AI output you received through the Service. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you will cooperate with us in asserting any available defenses.

17. Dispute resolution — arbitration and class-action waiver

Please read carefully. This section affects your legal rights. It requires that most disputes between you and txt.club be resolved by binding individual arbitration and waives your right to participate in a class action.

Informal resolution

Before filing any formal claim, you agree to first contact us at hi@txt.club with a written description of your dispute and any requested relief, and to negotiate in good faith for at least 60 days.

Binding arbitration

If we can't resolve a dispute informally, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules then in effect, except that either party may bring qualifying claims in small-claims court. The arbitration will take place in Wilmington, Delaware, or another location we mutually agree to, and may be conducted by phone or video where the rules permit. Judgment on the award may be entered in any court of competent jurisdiction.

Class-action waiver

You and txt.club agree that each may bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class, representative, or consolidated proceeding. The arbitrator may not consolidate claims, may not preside over any form of representative or class proceeding, and may award relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief on that party's individual claim.

30-day opt-out

You may opt out of this arbitration and class-waiver section by emailing hi@txt.club within 30 days of first accepting these Terms, with the subject "Arbitration Opt-Out" and including your phone number on file. If you opt out, the remainder of these Terms still applies.

Exceptions

Either party may bring suit in court for claims of infringement or misuse of intellectual-property rights, or to seek injunctive relief against actual or threatened harm.

18. Governing law and venue

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules, and by applicable U.S. federal law. Subject to Section 17, you and we agree to the exclusive jurisdiction of the state and federal courts located in New Castle County, Delaware, for any matter not subject to arbitration.

19. Changes to these Terms

We may update these Terms from time to time. If we make a material change, we'll let active subscribers know by SMS or email and update the date at the top of this page. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms. If you don't agree, stop using the Service before the date the change takes effect.

20. Miscellaneous

Entire agreement. These Terms and our Privacy Policy are the entire agreement between you and us regarding the Service and supersede any prior agreements.
No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.
Severability. If any provision is held unenforceable, the rest remains in effect. The class-action waiver in Section 17 is non-severable from the arbitration agreement; if it's found unenforceable, the arbitration agreement is void as to the affected claim.
Assignment. You may not assign these Terms without our written consent. We may assign them freely, including in connection with a merger, acquisition, or sale of assets.
Force majeure. We are not liable for failures or delays caused by events outside our reasonable control, including acts of God, war, terrorism, riots, embargoes, carrier or upstream-provider outages, infrastructure failures, strikes, or government action.
Relationship. Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship.
Headings. Section headings are for convenience and do not affect interpretation.
Notices. We may give notices by SMS to your number on file, by email, or by posting in the Service. You may give notices to hi@txt.club.
Contact. Questions about these Terms: hi@txt.club.