Last Updated: April 8, 2026
The downloadable mobile and/or tablet applications and related online services (the “App”) are operated by Credible Inc. d/b/a McCoy (“McCoy”). Throughout these Terms of Service (the “Terms”) relating to the App, the terms “we,” “us” and “our” refer to McCoy. McCoy offers the App, including all information, tools, and services available from the App, to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated herein.
By using our App, social media pages or profiles, and/or purchasing a product or add-on services (collectively, the “Services”) from us, you agree to be bound by these Terms. These Terms apply to all users of the App and Services, including visitors, customers, distributors, advertisers, and/or contributors of content.
PLEASE READ THESE TERMS CAREFULLY BEFORE ACCESSING OR USING THE SERVICES.
By agreeing to these Terms, you represent that you are at least 16 years of age. If you are between 16 and 18 years of age, you represent that you have your parent or guardian’s permission to use the Services. You may not use our Services for any illegal or unauthorized purpose nor may you, in the use of the Services, violate any laws in your jurisdiction. You must not transmit any worms, viruses, malware, or any code of a destructive nature.
We reserve the right to refuse to provide Services to anyone for any reason at any time. You understand that your content (not including credit card information), may be transferred unencrypted and involve transmissions over various networks. Credit card information is always encrypted during transfer over networks. You are responsible for maintaining the security of your account credentials and for all activity that occurs under your account.
We are not responsible if information made available on the App is not accurate, complete or current. The material on the App is provided for general information only and should not be relied upon as the sole basis for making decisions.
Prices for our App and other offerings are subject to change. For any material price increase, we will provide at least 30 days’ notice via in-app notice or email before the change takes effect. A “material price increase” means an increase of 5% or greater in the monthly subscription price, or an increase of $5 or greater for one-time purchases or add-on services. Prices may be increased without advance notice if required by changes in tax law, payment processor fees, or third-party service provider pricing changes beyond McCoy’s control, provided that we will provide notice as soon as practicable (minimum 24 hours). We reserve the right at any time to modify, limit, or discontinue features or the Services.
Feature and Tier Changes: McCoy may from time to time add, remove, or modify features available within any subscription tier or access level, or restructure tiers entirely. For material reductions to features you are actively using, McCoy will provide reasonable advance notice (at least 30 days for paid tiers), except in cases of emergency security issues or critical third-party provider failures, in which case notice will be provided as soon as reasonably practicable (minimum 24 hours). A “material reduction” means removal of a core feature you have used in the past 30 days, or a reduction in feature capacity (e.g., limiting video upload count) that materially affects the utility of your tier. Adding new features, adding new tiers, or adjusting limits upward does not require advance notice.
Product Discontinuation: If McCoy discontinues the Services or a significant portion of them entirely, McCoy will provide at least 60 days’ advance notice via email and in-app notice. During that period, you will be able to download a copy of your data as described in our Privacy Policy. Any unused portion of a prepaid subscription period at the time of discontinuation will be refunded on a prorated basis.
App Store and Platform Requirements: Apple App Store and Google Play Store policies may require McCoy to modify, restrict, or remove features from the iOS or Android apps on timelines outside McCoy’s control. In such cases, McCoy will provide as much advance notice as the platform’s compliance deadline permits, which may be less than 30 days. McCoy is not liable for any loss of functionality resulting from compliance with app store or platform requirements.
Third-Party Service Changes: Certain features of the Services depend on third-party providers (including but not limited to Anthropic, OpenAI, HeyGen, Stripe, OneSignal, and JobData API). If a third-party provider modifies, discontinues, or becomes unavailable, McCoy may need to modify or remove dependent features with little or no advance notice. McCoy will make commercially reasonable efforts to find replacement services but is not liable for feature unavailability caused by third-party provider changes.
Subject to your compliance with these Terms and remittance of amounts owed for any subscription fees, we grant to you a limited non-exclusive, non-transferable, revocable license to download and install a copy of the App on a device that you own or control and to run such copy solely for your own personal non-commercial purposes.
We may provide you with access to third-party tools over which we neither monitor nor have any control nor input. We hereby disclaim any and all liability arising from or relating to your use of any third-party tools.
Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy of Third-Party Content and we do not warrant and will not have any liability for any Third-Party Content.
If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send, post or upload creative ideas, suggestions, proposals, testimonials, photos, images, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, “Comments”), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any Comments that you forward to us. We have no obligation to (1) maintain any Comments in confidence; (2) pay compensation for any Comments; or (3) respond to any Comments. We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion is unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms.
You retain full ownership of the content you submit to McCoy (“Your Content”). Your Content includes everything you create or post on any surface of the Services: McCoy Reels, Targeted Reels, custom content and custom messages, profile information (name, photo, bio, skills), feed posts, comments and replies, chat messages, job application materials, and any other media, text, or data you submit through the iOS app, Android app, and web app.
By submitting Your Content, you grant McCoy a limited, non-exclusive, royalty-free license to store, display, and deliver Your Content to any person, entity, or other users you choose to share it with through the platform. This license exists solely to operate the Services and is limited to that purpose.
This license terminates when you delete the relevant content or your account. Upon deletion, McCoy will remove Your Content from its systems as described in the Privacy Policy, except that:
(1) Violation Hold: If McCoy receives a report of a violation of these Terms or applicable law (including CSAM report) before you submit a deletion request, McCoy may retain the reported content or associated account data for a violation hold period of up to 90 days solely to investigate the violation and comply with legal reporting obligations (including 18 U.S.C. § 2258A CSAM reporting). The violation hold applies only to content and data relevant to the specific violation (e.g., if video flagged for copyright infringement, hold applies to that video and surrounding metadata, not entire account).
(2) Post-Deletion Hold: If a violation report is received after you delete your account, McCoy may retrieve deleted data from archival backup for the 90-day investigation and legal reporting period, then delete permanently.
(3) Automatic Deletion: Once the 90-day hold period expires, all held data is automatically and permanently deleted without further action required from you.
(4) Law Enforcement Requests: If a law enforcement agency issues a valid subpoena or court order requesting content, McCoy may retain data beyond the 90-day hold period as required by law. McCoy will notify you of any legal request as permitted by law.
(5) Commercial Use Prohibition: McCoy will not use Your Content for any commercial purpose beyond operating the platform — for example, McCoy will not use your reel in advertising, marketing, or product development without your separate, explicit written consent. This prohibition survives the deletion of Your Content.
(6) Backup Archives: Your Content may be retained in archival backups for up to 90 days following deletion to prevent unrecoverable data loss. These archival copies are segregated from live systems and are not accessible through the app or through standard user interfaces. Archival copies are automatically deleted when backup rotation occurs (typically 90 days after original deletion). Archival copies are not accessible to any user or to support staff except in cases of data recovery emergency.
McCoy does not sell Your Content to third parties.
Your submission and our use of personal information through the Services is governed by our Privacy Policy at https://mccoy.io/privacy.
Service Providers: We share your personal information with service providers (e.g., email marketing vendors, payment processors, hosting providers, analytics services) who process information on our behalf, subject to contractual restrictions requiring them to use your information solely for the purposes we specify. These service providers are listed in our Privacy Policy at mccoy.io/privacy/sub-processors.
Unaffiliated Third Parties: We do not sell or share your personal information with unaffiliated third parties for their own marketing, advertising, or commercial purposes. If we introduce any new data sharing practices, we will update our Privacy Policy and provide you with opt-in rights (for “sales”) or opt-out rights (for “sharing,” depending on applicable law).
Marketing Communications: We may send you marketing and promotional materials relating to McCoy Services. You have the right to opt out of these communications at any time by clicking the “Unsubscribe” link in any email, adjusting your notification settings in-app, or contacting contact@mccoy.io.
Occasionally there may be information on either the App or otherwise provided or obtained through the Services that contains typographical errors, inaccuracies, or omissions. We reserve the right to correct at any time any errors, inaccuracies or omissions without prior notice to you.
In addition to other prohibitions as set forth in the Terms, you are prohibited from using the App or Services: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; (k) to impersonate McCoy employees, support staff, or any representative of Credible Inc.; (l) to solicit or collect sensitive personal information from other users, including Social Security numbers, government-issued ID numbers, passport numbers, or financial account information.
The Company owns any and all intellectual property rights relating to the “McCoy” brand, trade name, trade dress, and other content including copyright, trademark, service mark, trade name, trade dress, proprietary logo, and other text and graphics. Your use of the App does not grant you any rights or licenses relating to the Intellectual Property, except as expressly provided for in these Terms.
Procedure for Making and Responding to Claims of Copyright Infringement: McCoy complies with the Digital Millennium Copyright Act (DMCA), 17 U.S.C. § 512, and has designated a copyright agent to receive notices of claimed copyright infringement. Our designated copyright agent is registered with the U.S. Copyright Office and may be contacted at:
Designated Copyright Agent
Credible Inc.
8581 Santa Monica Blvd. #201
West Hollywood, CA 90069
How to Report Copyright Infringement: To report copyright infringement, submit a written notice to our copyright agent including:
McCoy will respond to valid notices within fifteen (15) business days and will remove or disable access to infringing content within 10 business days.
Counter-Notification: If your content has been removed due to copyright infringement claim, you may submit a counter-notification. Counter-notifications must include:
McCoy may restore your content 10–14 business days after receiving a valid counter-notification.
Repeat Infringer Policy: McCoy maintains a policy of terminating accounts of users who are found to be repeat copyright infringers. Users against whom multiple valid DMCA claims have been substantiated (typically more than two claims within 12 months) are subject to account suspension or termination at McCoy’s discretion.
DISCLAIMER OF WARRANTIES: We do not guarantee, represent, or warrant that your use of our App will be uninterrupted, timely, secure, defect-free, or error-free. The App, including all products and services delivered through the App, are (except as expressly stated by us) provided “AS IS” and “AS AVAILABLE” without any representations, warranties, or conditions of any kind, including implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
LIMITATION OF LIABILITY: TO THE FULLEST EXTENT PERMITTED BY LAW, McCoy and its members, managers, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers, and licensors will not be liable to you or any third party for any direct, indirect, incidental, punitive, special, or consequential damages (including loss of profits, revenue, data, or use), even if McCoy has been advised of the possibility of such damages.
EXCEPTIONS AND CARVE-OUTS: Notwithstanding the above, this limitation of liability does not apply to:
For liability to McCoy by third-party service providers (Anthropic, OpenAI, Firebase, HeyGen, etc.), those providers’ liability limits apply. Contact the service provider directly for claims against them.
Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitation may not apply to you. In such cases, our liability is limited to the maximum extent permitted by law.
LIMITATION OF LIABILITY CAP: To the extent permitted by law, McCoy’s total liability to you for all claims arising out of or related to these Terms or the Services shall not exceed the total amount you have paid to McCoy in subscription fees during the 12 months immediately preceding the claim. If you have paid no subscription fees, McCoy’s liability is limited to $50. This limitation applies to all claims, whether based on breach of contract, tort, negligence, fraud, warranty, or any other legal theory.
In the event that any provision of these Terms is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law.
The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes. These Terms are effective unless and until terminated by either you or us.
These Terms and any policies or operating rules posted by us on the App constitute the entire agreement and understanding between you and us and govern your use of the App, superseding any prior or contemporaneous agreements.
These Terms and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of the State of California, without regard to conflicts of laws principles. Arbitration procedures shall be governed by the Federal Arbitration Act (9 U.S.C. § 1 et seq.). Any dispute arising out of or relating to these Terms or the Services shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court. Arbitration will take place in Los Angeles County, California, or at a mutually agreed location. Each party will bear its own arbitration costs; McCoy will pay AAA filing fees for claims under $10,000 where you are the claimant.
YOU AND McCOY EACH WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN ANY CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE PROCEEDING.
INTELLECTUAL PROPERTY DISPUTES: Disputes involving claims of copyright, trademark, patent, or trade secret infringement may be brought in court at the election of either party, notwithstanding the arbitration requirement. This exception applies to claims by McCoy against users (e.g., copyright infringement) and claims by users against McCoy (e.g., McCoy’s unauthorized use of user’s content or likeness).
ARBITRATION OPT-OUT: You may opt out of arbitration by sending written notice to contact@mccoy.io within 30 days of creating your account. Your opt-out notice must include: (i) your full legal name; (ii) email address associated with your account; (iii) subject line “ARBITRATION OPT-OUT”; and (iv) a statement that you do not wish to be bound by the arbitration clause in these Terms. Your opt-out is effective upon our receipt of the notice. If you opt out, both you and McCoy retain the right to litigate claims in court rather than arbitration. Users who opt out may not participate in class or representative arbitration.
ARBITRATION PROCEDURES: Disputes about whether a claim is subject to arbitration (arbitrability) shall be resolved by an arbitrator, not a court. The arbitrator shall determine whether the arbitration clause applies to the dispute, whether the arbitration clause is valid or enforceable, and any procedural questions about the arbitration itself, in accordance with the Federal Arbitration Act.
You can review the most current version of the Terms at any time at https://mccoy.io/terms. We reserve the right, at our sole discretion, to update, change or replace any part of these Terms by posting updates and changes to our App.
Questions about the Terms should be sent to us at contact@mccoy.io.
USER INDEMNIFICATION: You agree to indemnify and hold harmless McCoy, its officers, directors, employees, and agents from any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising solely out of or directly caused by: (a) your use of the Services in violation of these Terms; (b) content you submit to the platform that infringes third-party intellectual property rights, violates privacy laws, or is otherwise unlawful; or (c) your violation of applicable law in connection with the Services.
McCOY INDEMNIFICATION: McCoy agrees to indemnify and hold harmless you from any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising solely out of or directly caused by: (a) McCoy’s use of your content in violation of these Terms; (b) McCoy’s infringement of your intellectual property rights; or (c) McCoy’s violation of applicable privacy laws.
INDEMNIFICATION PROCEDURES: The indemnified party shall: (i) notify the indemnifying party of the claim in writing within 10 days of learning of it; (ii) grant the indemnifying party control of the defense (including counsel selection); (iii) cooperate reasonably in the defense. The indemnifying party shall not settle any claim without the indemnified party’s consent (not to be unreasonably withheld).
EXCEPTIONS: These indemnification obligations do not apply to claims arising from the indemnified party’s gross negligence, willful misconduct, or violation of law.
McCoy uses AI services to power certain features. You acknowledge that by using these features, your inputs will be processed by third-party AI providers as described below.
McCoy IQ:
McCoy Consumer App:
Data Handling and Retention: Each AI provider processes data according to their respective terms of service and privacy policies:
Your Consent: By using AI features, you consent to the data processing, retention, and use practices described above and in the AI providers’ privacy policies. If you do not wish to use AI features, you can disable them in your account settings, though this may limit platform functionality.
AI Developer Tools: If you use the McCoy IQ API or AI developer tools (such as the McCoy IQ MCP server) in conjunction with an AI coding assistant (such as Claude, ChatGPT, or similar), you acknowledge that:
(1) Data you access through the API, including organization details, role descriptions, challenge content, and McCoy IQ Respondent response metadata, will be transmitted to the AI assistant’s backend service.
(2) This data is processed transiently by the AI assistant’s API. “Transient” means the data is processed in real-time to generate responses and is not permanently stored by the AI assistant except as described in the AI assistant’s terms of service.
(3) Under Anthropic’s standard API terms (as of March 2026), API data is not used to train or improve Claude models. Under OpenAI’s standard API terms, API data is retained for up to 30 days for abuse detection but is not used for model training if you have an organization/enterprise account.
(4) You are responsible for ensuring that any individuals whose data flows through the AI assistant’s API have consented to this data transfer and use. You should not use McCoy IQ API developer tools with sensitive McCoy IQ Respondent data (e.g., full legal names, email addresses, or SSNs) unless you have explicit consent from affected McCoy IQ Respondents.
By using AI developer tools with a McCoy IQ API key, you acknowledge and accept this data flow and assume responsibility for obtaining necessary consents.
Our mobile applications include third-party software development kits (SDKs) — including but not limited to Facebook SDK and TikTok SDK — that may collect usage data as described in our Privacy Policy. These SDKs are governed by their own terms of service and privacy policies.
McCoy IQ Respondent Content: As a McCoy IQ Respondent on McCoy, your profile, McCoy Reels, Targeted Reels, and video responses may be viewed by McCoy IQ Users using the McCoy IQ platform. You retain ownership of your content and can edit or delete it at any time. McCoy does not sell McCoy IQ Respondent data to third parties.
Reel Visibility: When you create a McCoy account and publish content, your reel starts in draft mode — your profile card (name, photo, title) is visible, but your reel content appears locked to others. You can change your reel from draft to visible at any time. Once visible, your McCoy Reel is publicly accessible to anyone with your profile URL (mccoy.io/reel/<username>), including people who are not McCoy users. If you post content to the McCoy feed, your feed post will link to your reel, making it discoverable by other users browsing the feed. Targeted Reels sent via McCoy Pro are accessible at a unique URL (mccoy.io/reel/<username>/<id>); recipients of that URL can also navigate to your public reel by visiting your profile URL directly. You can return your reel to draft mode at any time to restrict visibility.
Reviewer Notes: McCoy IQ Users may add private notes and ratings to McCoy IQ Respondent profiles. These notes are visible only to members of the McCoy IQ User’s organization within McCoy IQ and are not shared with McCoy IQ Respondents.
McCoy does not use automated tools to score, rank, evaluate, or summarize content or McCoy IQ Respondent submissions. Third parties or users on the platform review content or McCoy IQ Respondent reels and responses directly. The McCoy App and McCoy IQ do not make hiring decisions — all decisions are made by the user or third party. AI features available within the platform are optional content creation tools — they assist users in drafting content and play no role in evaluating content or McCoy IQ Respondents or influencing hiring decisions.
All users of the McCoy platform are subject to our Community Guidelines, available at mccoy.io/community-guidelines. Violations of the Community Guidelines may result in content removal or account suspension.
By submitting video content to McCoy, you acknowledge and consent to the following:
What We Collect: When you submit a video reel to McCoy, the video may contain your facial likeness (image of your face in video). McCoy stores and displays video content as described in Section 8 and our Privacy Policy.
Biometric Data: “Biometric data” includes fingerprints, voiceprints, iris or retina scans, facial geometry, keystroke patterns, and other mathematical representations of biological characteristics. McCoy does NOT extract, store, or directly analyze biometric data such as facial geometry or voiceprints from your videos. However, McCoy may use third-party AI services for content moderation that may analyze video content including facial characteristics. See Section 22 and our Privacy Policy for details on which AI services are used.
Written Consent for Video Collection: By uploading video content, you provide explicit written consent for McCoy to:
Purpose of Collection: Video content is collected and used solely to operate the McCoy platform and deliver content to users who view your profile, feed posts, or Targeted Reels. Video is not used for advertising, marketing, product development, or any purpose outside the platform without your separate written consent.
Retention and Deletion: Video content is retained as long as your account is active. Upon your deletion request:
Non-Commercial Use: McCoy does NOT sell, license, or profit from your video content or any biometric data derived from it. Your video will not be used for advertising or marketing without your separate written consent.
Your Rights: You have the right to:
To request data deletion or information, contact contact@mccoy.io.
McCOY IQ USER USE OF AI AVATARS (HeyGen): If you are a McCoy IQ User and use HeyGen to create AI avatars (synthetic video of an avatar reading a script), you are responsible for:
McCoy does not collect or store biometric data from synthetic avatars generated by HeyGen. HeyGen’s handling of script data and avatar information is governed by HeyGen’s terms of service.
Upon account deletion, your personal information and content will be permanently removed from our systems as described in our Privacy Policy. Deletion is irreversible. If you are a McCoy IQ User and the sole administrator of your organization, deleting your account will also remove your organization’s data. Exception: any content or account data associated with a reported or flagged violation received before your deletion request was submitted is subject to the violation hold described in our Privacy Policy and will be deleted automatically once that hold expires.
The McCoy app provides two content features:
Content Feed: Your feed displays content (reels, posts) in a randomized order. The feed is not personalized based on your behavior, preferences, or engagement history.
Job Recommendations: The McCoy app generates job recommendations by analyzing your profile data and career insights through Anthropic Claude to generate search parameters, which are used to query JobData API for matching job listings. Your profile data is processed transiently and is not retained by Anthropic under our API agreement.
By using the Services, you consent to this data processing as described above and in our Privacy Policy.
You may not assign or transfer these Terms or any rights under them without McCoy’s prior written consent. McCoy may assign these Terms without your consent in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets or the assets of a product line, provided that the assignee assumes all of McCoy’s obligations under these Terms. In such a case, McCoy will notify you via email or in-app notice, and you may close your account if you do not wish to continue under the new entity. Any assignment in violation of this section is void.