Last Updated: April 2026
By accessing, registering an account on, or using Talki Talki (the "Service"), operated by Pandacat Inc., a corporation incorporated under the laws of Canada ("Pandacat," "we," "us," or "our"), you ("User," "you," or "your") agree to be legally bound by these Terms of Service ("Terms") and our Privacy Policy, which is incorporated herein by reference. If you do not agree to all of these Terms in their entirety, you are expressly prohibited from using the Service and must discontinue use immediately.
If you are using the Service on behalf of a company, organization, or other legal entity, you represent and warrant that you have full legal authority to bind that entity to these Terms, in which case the terms "you" and "your" refer to that entity. If you do not have such authority, you must not use the Service on that entity's behalf.
These Terms apply to all users, visitors, and others who access the Service via any device or browser. By creating an account, you represent that you are at least eighteen (18) years of age and legally capable of entering into a binding contract in your jurisdiction.
PLEASE READ THIS SECTION CAREFULLY. VoIP EMERGENCY CALLING (E911) IS FUNDAMENTALLY DIFFERENT FROM TRADITIONAL LANDLINE 911 SERVICE AND HAS SIGNIFICANT LIMITATIONS.
To protect the integrity of our telecommunications infrastructure, comply with carrier requirements, and prevent fraud and illegal use, Pandacat Inc. requires all users to complete a mandatory identity verification process before purchasing or activating a phone number.
4.1 Verification Process. You will be required to submit a photograph of yourself ("selfie") in which you are holding a valid, government-issued photo identification document (such as a driver's licence or passport) so that both your face and the identification document are clearly visible in the same image.
4.2 Matching Requirement. The full legal name on your government-issued identification document must match the billing name associated with your payment method on file with our payment processor, Stripe. Discrepancies may result in rejection of your verification or suspension of your account.
4.3 AI Processing. Submitted photographs are analyzed by automated artificial intelligence systems (currently Google Gemini) to extract identifying information and assess document validity and authenticity. By submitting your photograph and identification document, you expressly consent to this processing.
4.4 Manual Review. If automated verification is unsuccessful, your submission will be placed in a manual review queue. A member of our support team may contact you at support@pandacat.ca. You will not be permitted to purchase a phone number until verification is successfully completed, whether automated or manual.
4.5 Accuracy and Authenticity. By submitting your identification documents, you represent and warrant that: (a) the identification document is genuine, valid, and unaltered; (b) the document belongs to you; (c) you are the individual depicted in the photograph; and (d) all information submitted is accurate and current. Submission of fraudulent, altered, counterfeit, or falsified documents is a criminal offence and will result in immediate, permanent account termination, referral to appropriate law enforcement authorities, and civil legal action for all resulting damages.
4.6 Retention. Verification photographs and extracted identity information are retained by Pandacat Inc. for the duration of your account and for a period thereafter as required by applicable law, carrier compliance obligations, and fraud prevention purposes. See our Privacy Policy for full details.
4.7 Re-Verification. We reserve the right to require re-verification of your identity at any time, at our sole discretion, including in cases of suspected fraud, account changes, or regulatory requirement.
Talki Talki provides cloud-based business communication tools including VoIP telephone service, SMS/MMS messaging, voicemail, call routing, and related features. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PANDACAT INC. EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO: ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT; ANY WARRANTIES ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE; AND ANY WARRANTIES THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
Telecommunications services are subject to factors entirely outside our control, including third-party network congestion, carrier outages, internet service disruptions, and regulatory changes. We are not liable for failed calls, dropped connections, delayed or undelivered messages, or the inability to use the Service at any given time. Some jurisdictions do not permit the disclaimer of implied warranties; in such jurisdictions, the above disclaimers apply to the maximum extent permitted.
You agree to use the Service only for lawful purposes and in compliance with all Applicable Laws. The following activities are strictly prohibited:
Violation of this section may result in immediate suspension or termination of your account without notice or refund, and may be reported to relevant law enforcement and telecommunications authorities.
Security Auditing: For your protection, Talki Talki records the IP address and timestamp of your most recent login attempts. This data is used exclusively for security monitoring, fraud detection, and compliance purposes.
7.1 User Responsibility. You are solely and exclusively responsible for ensuring that your use of the Service complies with all telecommunications laws, regulations, and guidelines applicable to you, your business, and the jurisdictions in which you operate and in which your recipients are located. This includes, without limitation:
7.2 Indemnification for Non-Compliance. Pandacat Inc. will cooperate with regulatory investigations and may suspend or terminate your Service if we receive credible complaints of regulatory violations. You agree to indemnify and hold Pandacat Inc. harmless from any fines, penalties, claims, or damages arising from your failure to comply with telecommunications regulations.
8.1 Recurring Billing. Service fees are billed in advance on a recurring monthly basis in U.S. Dollars (USD). All payments are processed securely through Stripe, Inc. By providing payment information, you authorize Pandacat Inc. and Stripe to charge your designated payment method on a recurring monthly basis until your Subscription is cancelled.
8.2 Cancellation. You may cancel your Subscription at any time through the Billing Portal accessible from your dashboard. Cancellation takes effect at the end of the then-current billing period. No refunds or credits are issued for partial months of service, unused features, or any unused portion of a billing period.
8.3 Price Changes. Pandacat Inc. reserves the right to modify Subscription pricing at any time. We will provide at least thirty (30) days' advance notice of any price change via email or notice within the Service. Your continued use of the Service after a price change takes effect constitutes your acceptance of the new pricing.
8.4 Failed Payments. If your payment method fails or is declined, we will attempt to notify you. If payment is not resolved within a reasonable period, your account may be suspended or terminated and your phone number(s) may be released.
8.5 Chargebacks. You agree to contact us at support@pandacat.ca to resolve any billing disputes before initiating a chargeback with your payment provider or credit card issuer. Initiating a chargeback without first attempting resolution may result in immediate account suspension. We reserve all rights to contest fraudulent chargebacks.
8.6 Number Release Policy. Upon cancellation or termination of your Subscription, Pandacat Inc. may release your assigned phone number(s) back into the global carrier pool. We are under no obligation to hold or reserve a phone number for a user without an active, paid Subscription. We strongly recommend that you port your number to another carrier before cancelling if you wish to retain it.
If your business is located in the United States, or if you are a Canadian business sending SMS messages to U.S. mobile numbers, you are required by major U.S. wireless carriers to complete A2P 10DLC (Application-to-Person 10-digit long code) brand and campaign registration.
This compliance process involves an additional recurring service fee of $12 USD or more per month, charged separately from your base Subscription. Campaign registration review typically takes 1–15 business days and is controlled by carriers, not Pandacat Inc. We have no control over carrier approval timelines or decisions. We recommend completing this verification before relying on the Service for U.S.-directed SMS messaging. Canadian businesses that do not send messages to U.S. mobile numbers are currently exempt from this specific recurring fee, though this may change based on future carrier policy.
9.1 Our Property. The Service, including all software, technology, interfaces, trademarks, logos, trade names, and content created by Pandacat Inc. (excluding User Content), is and remains the exclusive property of Pandacat Inc. and its licensors. Nothing in these Terms grants you any right, title, or interest in or to the Service beyond the limited right to use it as described herein.
9.2 Your Content. You retain ownership of all Content you transmit through the Service. By using the Service, you grant Pandacat Inc. a limited, non-exclusive, royalty-free, worldwide license to process, store, transmit, and display your Content solely as necessary to provide and improve the Service and fulfill our legal obligations.
9.3 Feedback. Any suggestions, ideas, or feedback you provide about the Service may be used by Pandacat Inc. without restriction or compensation to you.
10.1 Termination by Us. Pandacat Inc. reserves the right, in its sole and absolute discretion, to suspend, restrict, or permanently terminate your account and access to the Service at any time, with or without prior notice and without liability, for any reason, including but not limited to: violation of these Terms; suspected fraud, abuse, or illegal activity; non-payment; inactivity; changes in operational requirements; or any reason we deem necessary to protect our users, infrastructure, or business.
10.2 Data Deletion. Upon termination of your account, all associated data — including call logs, SMS history, voicemail recordings, dial plan configurations, and contact information — may be permanently and irreversibly deleted without further notice. This process cannot be undone. You are encouraged to export or back up any data you wish to retain before cancelling your account.
10.3 FRAUD TERMINATION: If Pandacat Inc. determines at any time that registration information, identification documents, tax IDs, business details, or any other information submitted by you is fraudulent, materially inaccurate, or used to facilitate abusive or illegal activity, the Service will be discontinued immediately, all associated phone numbers will be released back into the global carrier pool, no refund will be issued, and relevant information may be reported to law enforcement or regulatory authorities.
10.4 Termination by You. You may terminate your account at any time by cancelling your Subscription and contacting us to request account deletion. Termination does not entitle you to a refund of any prepaid fees.
You agree to defend, indemnify, and hold harmless Pandacat Inc. and its officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable legal fees) arising out of or relating to: (a) your violation of these Terms; (b) your violation of any Applicable Law, regulation, or third-party right; (c) your Content or any communications you transmit through the Service; (d) your identity verification submissions; (e) your use or misuse of the Service; or (f) any claim that your use of the Service caused damage to a third party.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PANDACAT INC., ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, BUSINESS, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNTS PAID BY YOU TO PANDACAT INC. IN THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED CANADIAN DOLLARS (CAD $100.00).
Certain jurisdictions — including some provinces of Canada and certain U.S. states — do not permit the exclusion of certain warranties or limitation of liability for certain types of damages. In those jurisdictions, the limitations above apply only to the fullest extent permitted by applicable law. Nothing in these Terms limits our liability for death, personal injury, or fraud caused by our gross negligence or wilful misconduct where prohibited by law.
Talki Talki is designed for normal business communications use. To maintain service stability and affordability for all users, we enforce a Reasonable Use Policy.
We reserve the right to monitor usage patterns and may cap, throttle, suspend, or terminate your Service, at our sole discretion and without liability, if: (a) the cost of your inbound or outbound calls, messages, or data usage materially exceeds your monthly Subscription fee during any billing period; (b) your usage patterns suggest automated, high-volume, or commercial bulk messaging; or (c) our operational costs increase significantly due to factors outside our control, including but not limited to carrier rate changes.
Pandacat Inc. shall not be liable for any failure or delay in the performance of the Service resulting from events beyond our reasonable control, including but not limited to: acts of God, natural disasters, pandemic, war, terrorism, riots, government action, telecommunications network failures, power failures, acts or omissions of third-party service providers (including Twilio, Google, or Stripe), internet outages, or changes in law or regulation.
These Terms shall be governed by and construed in accordance with the laws of Canada and the Province of Ontario, without regard to its conflict of law provisions. You irrevocably submit to the exclusive jurisdiction of the courts of the Province of Ontario, Canada for the resolution of any dispute arising out of or in connection with these Terms or the Service, except that nothing herein prevents either party from seeking urgent injunctive or equitable relief in any court of competent jurisdiction.
For Users Located in the United States: To the extent permitted by applicable law, any dispute between you and Pandacat Inc. relating to the Service shall be resolved exclusively in the courts of the Province of Ontario, Canada. You agree to submit to such jurisdiction and waive any objection to venue. Certain mandatory consumer protection laws in your state may provide additional rights that cannot be waived.
Class Action Waiver: TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT ALL CLAIMS MUST BE BROUGHT IN YOUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING. THIS WAIVER MAY NOT BE ENFORCEABLE IN ALL JURISDICTIONS.
Good Faith Negotiation. In the event of any dispute, claim, or controversy arising from or relating to these Terms or the Service, you agree to first contact us at legal@pandacat.ca and make a good faith effort to resolve the dispute informally. We will endeavour to respond within thirty (30) days.
If informal resolution fails, disputes shall be resolved through the courts of competent jurisdiction in Ontario, Canada, as set out in Section 15. Nothing in this section prevents either party from seeking injunctive or other equitable relief in any court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of a party's intellectual property rights or confidential information.
Pandacat Inc. reserves the right to amend, update, or replace these Terms at any time. We will update the "Last Updated" date at the top of this page whenever changes are made. While we will try to bring significant changes to your attention when we reasonably can, we are not obligated to provide advance notice of any update — changes may take effect as soon as they are posted. We encourage you to check this page periodically. Your continued use of the Service after any changes are posted constitutes your binding acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Service and cancel your Subscription.
18.1 Severability. If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.
18.2 Waiver. The failure of Pandacat Inc. to enforce any right or provision of these Terms shall not constitute a waiver of future enforcement of that right or provision. A waiver is only effective if made in writing and signed by an authorized representative of Pandacat Inc.
18.3 Entire Agreement. These Terms, together with our Privacy Policy and any other agreements or notices expressly incorporated by reference herein, constitute the entire agreement between you and Pandacat Inc. concerning the Service and supersede all prior and contemporaneous agreements, representations, warranties, and understandings.
18.4 Assignment. You may not assign or transfer your rights or obligations under these Terms without our prior written consent. Pandacat Inc. may assign these Terms in connection with a merger, acquisition, sale of assets, or by operation of law.
18.5 Language. These Terms are written in English. To the extent permitted by law, the English version governs in the event of any conflict with any translation.
Questions about these Terms? Contact us at legal@pandacat.ca