Comic Factory

Terms of Service

Last updated: September 28, 2026

1. Introduction & acceptance

Welcome to Comic Factory ("Comic Factory", "we", "us", or "our"), operated by Zheng Zefeng, an individual / sole trader under the laws of People's Republic of China. These Terms of Service ("Terms") govern your access to and use of our AI-powered comic generation services, available at https://comicfactory.app (the "Service").

By creating an account, subscribing to a plan, purchasing credits, or otherwise using the Service, you confirm that you: (a) are at least 18 years of age; (b) have read, understood, and agree to be bound by these Terms; (c) agree to our Privacy Policy; and (d) are authorized to enter into this agreement on behalf of yourself or any organization you represent.

If you do not agree to these Terms, do not use the Service. Continued use after an update constitutes acceptance of the revised Terms.

2. The Service

Comic Factory is an independent online SaaS product that helps you turn written stories into multi-panel comics using third-party AI models for text and image generation. We are not affiliated with, endorsed by, or sponsored by the creators of those underlying models. Features, availability, and credit costs may change as we improve the product.

The Service is a digital intangible product. Access is granted upon confirmed payment. Because of immediate digital delivery, all sales are final and non-refundable as described in Section 7.

Models currently used to generate content:

  • Story / script / panel text: Google Gemini 3.1 Flash Lite
  • Comic panel images: Nano Banana Fast

We may change, add, or replace models as we improve the Service. When we do, we will update this page. Performance and availability may depend on those model providers. Material outages will be communicated when practicable.

3. Accounts

You must provide accurate information when creating an account. You are responsible for activity under your account and for keeping login credentials secure. Do not share credentials with third parties. Notify us promptly at support@comicfactory.app if you suspect unauthorized access. Keep a valid billing email on file.

If you register on behalf of a company or organization, you represent that you are authorized to bind that entity.

4. Plans & credits

We offer subscription plans (including Free, Pro, and Studio) and one-time credit packs. Current plan features, credit amounts, and pricing are described on our Pricing page.

  • Subscription plan credits refresh each billing cycle and do not roll over to the next cycle.
  • Credit packs are one-time purchases. Pack credits are valid for six (6) months from purchase unless stated otherwise at checkout.
  • Active paid subscribers may receive bonus credits on pack purchases as shown on Pricing.
  • When subscription credits and separately purchased pack credits both exist, pack credits are consumed after plan credits for the same generation types, unless we state otherwise in-product.

We may modify plan features or introduce new plans. Price changes for renewals follow the billing rules below and applicable notice requirements.

5. Billing & payment

Payments are processed by Waffo Pancake as Merchant of Record and PCI-DSS compliant payment processor. We do not store full payment card numbers on our servers.

Subscription auto-renewal authorization. When you provide a payment method and subscribe to a paid plan, you expressly authorize Comic Factory (via Waffo Pancake) to charge that payment method the applicable subscription fee on a recurring basis for each billing cycle until you cancel under Section 6. Subscriptions renew automatically at the end of each cycle unless canceled. For annual subscriptions, we will send a renewal reminder before renewal when supported by our billing system.

Credit pack authorization. Each credit-pack purchase is a one-time charge for the amount shown at checkout.

Unless stated otherwise, listed prices do not include applicable taxes (such as VAT, GST, or sales tax). Where required by law, taxes may be collected at checkout.

6. Cancellation

You may cancel a recurring subscription at any time by:

  • Online (recommended): Account → Credits / billing → Manage billing (billing portal) → Cancel subscription
  • Email: send a cancellation request from your registered email to support@comicfactory.app

Cancellation takes effect at the end of the current paid billing period: you keep access until then, and you will not be charged for subsequent cycles. One-time credit packs are not subscriptions; canceling a plan does not cancel unused pack credits, which remain usable until their stated expiry.

Account data is retained after cancellation as described in our Privacy Policy (typically up to 90 days, then deleted or anonymized, subject to legal retention needs).

7. Refunds

All sales are final. We do not offer refunds. Because the Service is a digital product delivered immediately upon payment, subscription fees, credit-pack purchases, and other paid charges are non-refundable under any circumstances, including unused credits, partial billing periods, change of mind, or dissatisfaction with AI outputs. The same no-refund policy applies at checkout and in our Waffo Pancake shop settings.

Canceling a subscription stops future renewals only; it does not entitle you to a refund for the current or any prior paid period. Unused subscription credits and pack credits have no cash value and are not redeemable for money.

If a paid generation fails and no usable image is produced, we restore the credits charged for that failed generation to your account. That is a credit adjustment, not a cash refund.

If you believe you were charged in error (for example a clear duplicate charge), contact support@comicfactory.app with your account email and transaction ID so we can investigate a billing correction. Waffo Pancake, as Merchant of Record, may also act under its own dispute or chargeback processes.

8. Billing disputes

If you believe a charge is incorrect, contact support@comicfactory.app before initiating a bank or card dispute. We aim to respond within 2 business days and resolve confirmed billing errors within 5 business days.

9. AI content & intellectual property

Subject to these Terms and your plan, AI outputs generated from your inputs ("Outputs") are owned by you. Paid Pro and Studio subscribers may use successfully generated comics for personal or commercial projects as described on Pricing. Free plan use is for personal trial.

You grant Comic Factory a limited, non-exclusive license to process your inputs and outputs solely to operate, secure, moderate, and improve the Service. We do not use your inputs to train our own competing foundation models without your explicit consent.

Outputs may reflect third-party AI models and may be inaccurate. You must review Outputs before publishing or relying on them. We do not guarantee specific quality and are not responsible for third-party model content.

10. Acceptable use

You may use the Service only for lawful purposes consistent with these Terms and our Acceptable Use Policy. Without limitation, you may not:

  • Generate illegal, defamatory, harassing, or fraudulent content.
  • Create NSFW, pornographic, sexually explicit, or sexually suggestive content of any kind.
  • Generate content that sexualizes minors or violates child-protection laws.
  • Generate graphic violence, gore, extreme violence, or bloody imagery.
  • Create deepfakes or face-manipulation content impersonating real people to mislead others.
  • Create malware, phishing content, or tools for unauthorized access.
  • Infringe intellectual property or privacy rights of others.
  • Bypass security, moderation, billing, or credit systems; or resell access without prior written approval.
  • Use inputs, outputs, or derivatives to train, fine-tune, benchmark, or distill competing AI models; or scrape outputs at scale beyond personal authorized use.

We may refuse, block, or remove content and suspend or terminate accounts that violate these rules.

11. Privacy & security

Your use of the Service is also governed by our Privacy Policy at https://comicfactory.app/privacy. Payment card data is processed exclusively by our PCI-DSS compliant payment processor, Waffo Pancake, and is not stored on our servers.

12. Disclaimers & limitation of liability

The Service is provided "as is" and "as available" without warranties of any kind, including merchantability, fitness for a particular purpose, or accuracy of AI outputs.

AI-generated comics may be inaccurate, incomplete, inconsistent, or unexpected. Do not treat Outputs as legal, medical, financial, or other professional advice. Always review Outputs before relying on them.

To the fullest extent permitted by law, Comic Factory and Zheng Zefeng are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, data, or goodwill. Our aggregate liability for any claim is limited to the amounts you paid us for the Service in the twelve (12) months before the claim arose.

13. Term & termination

These Terms apply while you use the Service. We may suspend or terminate access if you violate these Terms, the Acceptable Use Policy, or applicable law, or if needed to protect the Service or other users. Termination or suspension does not entitle you to a refund of amounts already paid. You may request account deletion by contacting support@comicfactory.app.

14. Governing law

These Terms are governed by the laws of People's Republic of China, without regard to conflict-of-law rules. Before formal proceedings, contact support@comicfactory.app to attempt informal resolution.

15. Changes

We may update these Terms from time to time. Material changes will be notified at least fourteen (14) days before they take effect by email or in-product notice when practicable. Continued use after the effective date constitutes acceptance. If any provision is held invalid, the remaining provisions remain in full force. These Terms and the Privacy Policy form the entire agreement between you and us regarding the Service.

16. Contact

  • Support, billing, cancellation, legal & privacy, security: support@comicfactory.app
  • Operator: Zheng Zefeng (People's Republic of China)
  • Website: https://comicfactory.app

Using the Service or checking "I agree" at checkout means you have read and agree to these Terms.

Last updated: September 28, 2026 · Zheng Zefeng · Comic Factory · https://comicfactory.app