Terms of Service

1. INTRODUCTION AND ACCEPTANCE

These Terms of Service (the "Terms") constitute a legally binding agreement between you and Financial Planner AI, LLC, a limited liability company organized under the laws of New Jersey ("Financial Planner AI," "we," "our," or "us"). All references to "we," "us," or "our" refer solely to Financial Planner AI, LLC, and not to any individual member, manager, officer, or employee thereof.

These Terms govern your access to and use of our websites at https://www.finplan-ai.com, https://www.lifeinsuranceplanner-ai.com, and any other domains or subdomains we operate, our proprietary web-based software applications, our AI-powered analysis features (including but not limited to "Insurance Planner AI"), and all related services (collectively, the "Services").

These Terms incorporate by reference our Privacy Policy and Cookie Policy. By accessing or using our Services, you represent that you have read, understood, and agree to be bound by these Terms. If you don't agree, you must not access or use our Services.

1.1 Service Tiers and Access

We offer our Services at various pricing tiers, including free access options. All service tiers, including free access, are subject to the limitations, disclaimers, and terms described in this Agreement. We may modify pricing, features, access levels, or usage limits at any time with or without notice.

1.2 Service Capacity and Usage Limits

To ensure service quality and availability for all users, we reserve the right to impose reasonable usage limits, rate limits, or capacity restrictions. We may suspend or restrict access to accounts that exceed fair use thresholds or place excessive demands on our infrastructure. Current usage limits may be found in our Documentation or by contacting support.

1.3 Intended Users

Our Services are designed for two primary user groups:

• Policy Owners: Individuals, trusts, corporations, or other entities that own life insurance policies and wish to analyze policy illustrations. The owner of a life insurance policy has all contractual rights to the policy and may use our Services to analyze illustrations for policies they own.
• Financial Professionals: Licensed insurance agents, financial advisors, and other professionals who analyze policy illustrations on behalf of policy owners, subject to obtaining proper written authorization from the policy owner and complying with the additional requirements set forth in Section 6 (Professional Advisor Use).

Authorization Requirements:

• If you are the policy owner: You may upload and analyze policy illustrations for any policies you own, whether you own them as an individual, as trustee of a trust, on behalf of a corporation, or in any other ownership capacity.
• If you are a licensed financial professional: You may upload and analyze policy illustrations only with written authorization from the policy owner. You are acting as the owner's authorized representative.
• If you are not the owner and not an authorized professional: You may not upload or analyze policy illustrations, even if you are the insured, a beneficiary, or otherwise interested in the policy. Only the owner has the right to analyze their policy.

Important Limitations for All Users:

• The Services are informational software tools only and do not constitute professional advice of any kind, as described in Section 5.1.
• Regardless of whether you are a policy owner or a financial professional, you acknowledge that AI-generated analyses require independent verification and professional review before making any decisions, as described in Section 5.

For Policy Owners: While you may use the Services to analyze your own policy illustrations, we strongly recommend consulting with a qualified, licensed financial advisor or insurance professional before making any decisions about purchasing, retaining, or modifying life insurance policies. Our analyses are starting points for informed discussions with professionals, not substitutes for professional advice.

2. DATA PROCESSING AND PII REDACTION

2.1 Enterprise Data Processing Infrastructure

Our Services utilize enterprise-grade third-party providers to ensure secure, reliable processing of your life insurance policy illustrations. When you upload insurance policy illustrations or other information, this data may be processed by our technology partners across the following categories:

• Document Storage: Enterprise cloud storage with enterprise security certifications
• Web Infrastructure: SOC 2 Type 2 and ISO 27001 certified hosting platforms
• Processing Automation: Secure workflow systems with SOC 2-aligned security programs
• Artificial Intelligence: Enterprise AI services via SOC 2 certified APIs (including both Type I and Type II certifications across providers) with contractual commitments not to train on business data
• Database Management: SOC 2 Type 2 and HIPAA-compliant encrypted platforms

All enterprise technology partners are based in or process data within the United States. Your data will not be transferred outside the United States without your consent, except as may be required for backup or disaster recovery purposes within our providers' enterprise infrastructure.

IMPORTANT THIRD-PARTY LIMITATIONS: We utilize AI providers who contractually represent that they do not train on business API data. However, we cannot independently verify or guarantee third-party practices beyond our contractual agreements with them. Our contracts with AI providers prohibit training on your data, but enforcement of those provisions is between us and those providers, not directly enforceable by you. We select vendors based on their representations, security certifications, and market reputation, but cannot control their internal operations.

Your use of our Services constitutes acceptance that your de-identified data may be processed by these enterprise technology partners operating under strict data protection agreements.

All partners maintain enterprise-grade security certifications and comply with applicable data protection regulations including GDPR, HIPAA, SOC 2, and ISO 27001 standards.

2.2 Automated Redaction System

Our Services employ automated technology designed to identify and redact personal identifying information (names, addresses, dates of birth, Social Security numbers, agent information) from Policy Illustrations before AI processing.

2.3 No Guarantee of Complete Redaction

YOU ACKNOWLEDGE AND AGREE THAT:

• Automated redaction is not perfect and may fail to identify or redact all personal information;
• You are responsible for reviewing documents before upload and should not upload documents containing highly sensitive personal information if complete confidentiality is required;
• Document metadata, embedded files, or non-standard formatting may contain personal information that our redaction system cannot detect;
• We make no warranty or guarantee that all personal information will be successfully redacted; and
• You assume all risk associated with uploading Policy Illustrations containing personal information.

2.3A Regulatory Compliance Responsibility

YOU ACKNOWLEDGE AND AGREE THAT YOU REMAIN SOLELY RESPONSIBLE FOR COMPLIANCE WITH ALL APPLICABLE PRIVACY AND CONFIDENTIALITY REGULATIONS, including but not limited to:

• The Gramm-Leach-Bliley Act (GLBA) and its implementing regulations
• State insurance privacy laws and regulations
• Professional conduct rules governing insurance agents and financial advisors
• Data protection and consumer privacy laws in your jurisdiction
• Any fiduciary obligations you owe to clients

Our redaction system is a convenience tool, not a compliance guarantee. You must implement your own controls, policies, and procedures to ensure regulatory compliance. The Services do not replace your legal obligation to protect client information, obtain proper consents, and comply with applicable privacy laws.

If you are uncertain whether uploading specific information complies with your regulatory obligations, you must consult with legal counsel before using our Services.

2.4 Your Responsibility for Authorization

If you upload Policy Illustrations, you represent and warrant that you are either the policy owner or have obtained written authorization from the policy owner. You have informed the policy owner about the limitations of automated redaction described above.

You further represent that you have obtained all necessary rights, permissions, and consents to upload such information consistent with all applicable professional, regulatory, and data protection obligations.

2.5 Data Processing Workflow

When you upload policy illustrations to our Services:

1. Personal identifying information (names, addresses, dates of birth, agent information) is automatically redacted before AI processing
2. De-identified policy data is processed through our enterprise AI services with contractual commitments not to train on business data
3. Analysis results are generated and stored with your account data
4. You maintain complete control over when to delete illustrations and analyses
5. All processing occurs within our enterprise security infrastructure with multiple compliance certifications

2.6 De-Identification and Data Standards

For purposes of these Terms:

(a) "De-identified data" means data from which direct personal identifiers (names, addresses, dates of birth, Social Security numbers, and other unique identifiers) have been removed or redacted. De-identified data may not be fully anonymized and could potentially be re-identified if combined with other data sources.

(b) "Aggregated data" refers to data combined across multiple users such that individual users cannot be identified.

(c) We use de-identified and aggregated data to improve our Services and AI models, but such data does not identify you or your clients individually.

2.7 Data Security and Breach Limitations

2.7A Security Measures

We implement commercially reasonable technical, administrative, and physical security measures designed to protect your data from unauthorized access, disclosure, or misuse, including:

• Encryption of data in transit and at rest
• Access controls and authentication mechanisms
• Regular security assessments and monitoring
• Vendor security due diligence and contractual protections
• Incident response procedures

However, no security measures are perfect or impenetrable, and we cannot guarantee absolute security.

2.7B Data Breach Liability Limitation

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR LIABILITY FOR ANY DATA BREACH, SECURITY INCIDENT, UNAUTHORIZED ACCESS, OR DISCLOSURE OF YOUR INFORMATION SHALL BE LIMITED TO THE AMOUNTS SPECIFIED IN SECTION 14.2 OF THESE TERMS.

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT:

• We are not liable for data breaches, security incidents, or unauthorized access caused by third-party service providers, including our infrastructure, hosting, AI, or storage vendors, except to the extent such incidents result from our failure to exercise reasonable care in vendor selection;
• We are not liable for security incidents resulting from your failure to secure your account credentials, your sharing of account access, or unauthorized access resulting from your actions or omissions;
• We are not liable for the disclosure of information you voluntarily uploaded despite warnings about redaction limitations;
• We are not responsible for ensuring your compliance with data breach notification laws, and you are solely responsible for determining your notification obligations under applicable law;
• Our maximum liability for any security incident, regardless of cause, is limited as set forth in Section 14.2, and we shall not be liable for any consequential, indirect, or punitive damages arising from any breach or security incident;
• You are responsible for maintaining appropriate cybersecurity insurance and incident response capabilities for your business;
• In the event of a security incident affecting our systems, we will provide notice as required by applicable law, but you remain responsible for assessing your own notification obligations to affected individuals under applicable state and federal data breach notification laws; and
• We make no representations regarding the security practices of third-party providers beyond the certifications and contractual commitments we have obtained from them.

This limitation applies regardless of whether the breach results from our negligence, the negligence of our vendors, system vulnerabilities, cyberattacks, or any other cause, except where prohibited by applicable law or in cases of our gross negligence or willful misconduct.

2.8 Vendor Limitation of Liability for User's Lack of Consent

To the extent permitted by law, Financial Planner AI shall not be liable for any claims, damages, or losses arising from your failure to obtain proper authorization, consent, or permission from policy owners or clients before uploading their Policy Illustrations to the Services. You acknowledge that obtaining such authorization is solely your responsibility under applicable professional and regulatory requirements.

3. ELIGIBILITY AND ACCOUNT SECURITY

3.1 Eligibility Requirements

To access and use our Services, you must be at least eighteen (18) years old and have the legal capacity to form a binding contract with Financial Planner AI under applicable law. The Services are intended for use within the United States. We make no representations that the Services are appropriate, available, or legal for use in other locations.

3.2 Account Security

If you register for an account, you are responsible for maintaining the confidentiality of your account credentials, including your username and password. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We reserve the right to suspend or terminate your access to the Services if we suspect unauthorized access to your account.

3.3 Geographic and Service Restrictions

(a) The Services are intended for users in the United States. We make no representation that the Services are appropriate or available for use outside the United States.

(b) We reserve the right to restrict access to the Services from specific geographic locations, IP addresses, or networks at our sole discretion.

(c) You shall not access or use the Services from any jurisdiction where such access or use would be illegal or prohibited.

4. SERVICE DESCRIPTION AND SCOPE

Financial Planner AI provides web-based software applications that enable users to analyze life insurance policies through our proprietary analysis system. Our Services include various products such as Insurance Planner AI, Insurance Planner AI Professional, and other tools we may develop. Subject to your compliance with these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable right to access and use the Services solely for your internal business or personal purposes.

We may modify, enhance, or otherwise change the Services at any time in our sole discretion. We do not guarantee any specific uptime, availability, or performance levels unless explicitly agreed in a separate enterprise agreement.

4.1 Service Maturity and Continuous Improvement

Our Services are continuously evolving. We regularly deploy updates, improvements, and new features. While we maintain high standards for reliability and accuracy, you acknowledge that:

• Software updates may temporarily affect functionality
• New features may have undiscovered issues
• We may modify or discontinue features without notice
• The Service requires professional verification as described in Section 5
• All software is subject to potential errors

These terms apply regardless of your pricing tier or access level.

5. CRITICAL LIMITATIONS AND DISCLAIMERS

5.1 No Professional Advice or Services

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT THE SERVICES DO NOT CONSTITUTE PROFESSIONAL ADVICE OF ANY KIND.

The Services are informational software tools only and are not intended to replace the advice or services of licensed professionals. Financial Planner AI does not provide tax, legal, financial, insurance, or investment advice. We do not recommend, endorse, or sell any insurance products, policies, or companies. We are not a regulated financial institution, insurance company, insurance agency, broker-dealer, investment adviser, or registered representative.

You must consult with qualified Professional Advisors before making any decisions about your life insurance policy or taking any actions based on information provided through our Services. The Analyses generated by our Services are intended solely as starting points for discussions with your Professional Advisors.

5.2 Insurance Licensing and Regulatory Disclaimer

FINANCIAL PLANNER AI IS NOT AN INSURANCE COMPANY, INSURANCE AGENT, INSURANCE BROKER, OR LICENSED INSURANCE PROFESSIONAL. We do not:

• Sell, market, recommend, or endorse any insurance products, policies, companies, or carriers
• Receive commissions, fees, or compensation from insurance companies
• Provide insurance advice or recommendations
• Act as an insurance intermediary or facilitator
• Hold ourselves out as licensed to conduct insurance business

Our Services are limited to providing software tools for analyzing policy illustrations that you provide. The Services constitute software-as-a-service technology, not insurance services or insurance-related services.

YOU ARE SOLELY RESPONSIBLE FOR:

• Determining whether your use of our Services requires insurance licensing, registration, or other regulatory approval in your jurisdiction;
• Obtaining all necessary licenses, registrations, and regulatory approvals before using our Services in a professional capacity;
• Complying with all applicable insurance laws, regulations, and professional conduct rules;
• Ensuring your use of the Services complies with any limitations or restrictions on your professional license;
• Determining whether and how you may use AI-generated analyses in your professional practice under applicable regulations; and
• Maintaining all required errors and omissions insurance, professional liability insurance, or bonds required for your profession.

We make no representations about:

• Whether our Services are approved for use by any insurance regulator
• Whether use of our Services complies with insurance regulations in any jurisdiction
• Whether our Services meet any specific regulatory requirements for insurance analysis
• The suitability of our Services for regulated insurance activities

If you have questions about regulatory compliance, you must consult with legal counsel or your regulatory authority.

5.3 AI Technology Limitations

You expressly acknowledge that our Services utilize automated artificial intelligence and machine learning technologies that have inherent limitations. Our AI-powered analysis system:

• May contain errors, bugs, or inaccuracies
• May not capture all relevant factors or considerations
• May produce inconsistent, unexpected, or varying results
• Results may vary significantly between analyses of the same document
• AI outputs are probabilistic and non-deterministic
• We do not guarantee consistency across multiple uses
• Requires human review and professional verification
• Is subject to regular updates that may affect results
• Cannot verify the completeness or accuracy of input data
• May have biases or limitations we have not identified
• Should never be relied upon without independent verification

We continuously update and improve the Services. While we maintain high standards for reliability and accuracy, all software is subject to potential errors, and you acknowledge that professional verification is required before relying on any Analysis.

5.4 Document Processing Restrictions

The Services are designed to process only life insurance policy illustrations. We do not analyze other insurance or financial documents. We cannot verify the completeness, accuracy, or authenticity of any illustration you submit, and the accuracy of our Analyses depends entirely on the accuracy of the illustration provided.

Processing errors or failures may occur due to document formatting or quality issues, and we are not responsible for any errors or omissions in the illustrations you provide.

5.5 Third-Party Technology Infrastructure and Limitations

Our Services depend on third-party infrastructure providers, including cloud hosting, AI services, database platforms, and workflow automation tools.

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT:

(a) Service Dependencies: The Services rely on the continued availability, functionality, and performance of third-party technology providers. We cannot guarantee uninterrupted service if any third-party provider experiences outages, degradation, or discontinuation.

(b) Third-Party Failures: We are not responsible for:

• Outages, errors, delays, or data loss caused by third-party service providers
• Changes to third-party APIs, services, features, or pricing
• Third-party security breaches, vulnerabilities, or unauthorized access
• AI model outputs, hallucinations, or errors from third-party AI providers
• Performance degradation due to third-party infrastructure issues
• Third-party terms of service changes that affect our ability to provide Services
• Discontinuation of third-party services we depend upon

(c) Vendor Selection Standard: We exercise commercially reasonable care in selecting and monitoring third-party vendors based on industry reputation, security certifications, and contractual commitments. However, we do not guarantee the security practices, reliability, or performance of any third-party provider beyond the certifications and contractual commitments we have obtained.

(d) No Third-Party Warranties: Third-party providers make their services available to us "as is" with limited warranties. We cannot extend greater warranties to you than we receive from our vendors.

(e) Remedy Limitations: Your sole remedy for failures caused by third-party providers is against those providers under their respective terms of service, except where such failures result from our gross negligence in vendor selection or management.

(f) Service Modifications: We may change, substitute, or discontinue third-party providers at any time if we determine such action is necessary for security, compliance, performance, or business reasons. Such changes may temporarily affect Service functionality or features.

All technology partners operate under their respective enterprise terms of service and privacy policies. We require vendors to meet or exceed industry security standards including SOC 2 Type 2, ISO 27001, and HIPAA compliance frameworks where applicable, but we cannot control their internal operations or guarantee their compliance.

5.6 Enterprise Technology Infrastructure

Our Services utilize enterprise-grade third-party providers to ensure secure, reliable processing of your life insurance policy illustrations. We work with vetted technology partners across the following categories:

• Document Storage: Enterprise cloud storage with ISO 27001, SOC 2, and international compliance certifications
• Web Infrastructure: SOC 2 Type 2 and ISO 27001 certified hosting platforms with enterprise security controls
• Processing Automation: Secure workflow systems with SOC 2-aligned security programs and international data protection compliance (note: workflow automation services do not offer HIPAA compliance for hosted deployments)
• Artificial Intelligence: Enterprise AI services via SOC 2 certified APIs (including both Type I and Type II certifications across providers) with contractual commitments not to train on business data
• Database Management: SOC 2 Type 2 and HIPAA-compliant encrypted cloud platforms for secure application data storage

By using our Services, you acknowledge that your life insurance policy illustration data may be processed by these enterprise technology partners operating under strict data protection agreements.

All partners maintain enterprise-grade security certifications and comply with applicable data protection regulations including GDPR, SOC 2, and ISO 27001 standards. HIPAA compliance capabilities are available for selected enterprise AI services, database platforms, and web infrastructure providers via Business Associate Agreements where supported. Workflow automation services do not offer HIPAA compliance for hosted deployments.

6. PROFESSIONAL ADVISOR USE

If you are a financial advisor, insurance agent, or other financial professional ("Advisor") using our Services on behalf of clients:

1. You represent and warrant that you have obtained written authorization from the policy owner to upload and analyze their policy illustrations using our Services.
2. You acknowledge that you are acting solely as an agent of your client and not of Financial Planner AI. We do not establish any relationship with your clients through your use of our Services.
3. You remain solely responsible for compliance with all applicable laws, regulations, and professional obligations governing your industry, including but not limited to securities laws, insurance regulations, fiduciary duties, suitability standards, and disclosure requirements.
4. You shall not white-label, rebrand, or resell our Services without our express written agreement.
5. You shall not imply that our analysis constitutes your professional advice or that we endorse any recommendations you make.
6. You represent that you maintain appropriate errors and omissions insurance coverage.
7. You shall indemnify, defend, and hold harmless Financial Planner AI from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or relating to: (a) your use of the Services on behalf of clients; (b) any violation of applicable regulations; (c) any failure to obtain proper authorization from your clients; or (d) any claims by your clients relating to your professional services.
8. You are solely responsible for explaining to your clients how their information will be used when uploaded to our Services. You must provide your clients with access to our Privacy Policy and Terms of Service.
9. Financial Planner AI makes no representations about the suitability of our Services for assisting you in fulfilling your professional obligations to clients.
10. You represent that you have obtained explicit written authorization from policy owners for processing their life insurance policy illustrations through our enterprise technology infrastructure and have informed them about our security standards and data handling practices per applicable professional and regulatory requirements.
11. You acknowledge that some state insurance regulations may prohibit or restrict the use of AI tools in insurance analysis or sales activities. You are solely responsible for determining whether your use of AI-generated analyses complies with applicable insurance regulations in your jurisdiction.

7. DATA RIGHTS AND PRIVACY

7.1 Data Collection and Use

By using our Services, you acknowledge that we may collect and process various types of data about you and your use of the Services as described in our Privacy Policy.

7.2 Data Rights and Licenses

You represent and warrant that you have all necessary rights, permissions, and consents to provide any data you submit to our Services. You retain all ownership rights in your User Content but grant Financial Planner AI and its Affiliates a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, store, copy, modify, create derivative works from, distribute, publish, transmit, stream, broadcast, and otherwise exploit such User Content for any purpose related to providing and improving the Services.

You grant us the right to use anonymized and aggregated data derived from your use of the Services to improve our AI models and Services, provided such use does not identify you or your clients.

7.3 Privacy Practices

Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which you acknowledge having reviewed.

7.4 Data Security

We implement commercially reasonable technical, administrative, and physical security measures designed to protect your data from unauthorized access, disclosure, or misuse. However, no security measures are perfect or impenetrable. See Section 2.7 for limitations on data breach liability.

7.5 Data Retention and Deletion

Active Data Control: You control when policy illustrations and analysis results are deleted from your account dashboard. When you delete items, they are immediately removed from your active account data.

Enterprise Infrastructure Retention: Our technology partners may retain deleted data in backup systems, transaction logs, and operational recovery systems for up to ninety (90) days per standard enterprise cloud infrastructure practices. After ninety (90) days, deleted data is permanently purged from backup systems, subject to legal holds or regulatory requirements. This includes database backups and system recovery mechanisms.

Processing Data: Workflow execution and AI processing operate with temporary data handling and enterprise deletion policies that do not retain data for training or improvement purposes.

Complete Data Removal: For total data removal including backup systems and infrastructure logs, contact rpc@financialplanner-ai.com. We will coordinate with our technology partners to ensure complete deletion where technically feasible within standard cloud infrastructure limitations and within a reasonable timeframe not to exceed ninety (90) days from your request.

This approach provides transparency about both user-controlled data deletion and the realities of enterprise cloud infrastructure data retention practices.

7.6 Data Portability

Upon request, we will provide you with a copy of your uploaded documents and generated analyses in a standard format (PDF or CSV), subject to technical feasibility.

7.7 Enterprise Security Infrastructure

Your life insurance policy illustrations are processed through our comprehensive enterprise security infrastructure designed to maximize protection:

• SOC 2 Type 2 certified database platform with HIPAA compliance capabilities
• ISO 27001 certified document storage with enterprise encryption standards
• SOC 2 Type 2 and ISO 27001 certified web infrastructure with enterprise controls
• Automated workflow processing with SOC 2-aligned security frameworks
• Enterprise AI processing with SOC 2 certified APIs (including both Type I and Type II certifications across providers) and contractual commitments not to train on business data
• Complete user control over illustration and analysis data retention

This security-first architecture leverages multiple enterprise-grade certifications throughout the entire policy illustration analysis process while providing transparency and user control over sensitive insurance information.

8. PAYMENT TERMS

8.1 Fees and Payment

Access to certain features may require payment of fees as specified on our Website. All fees are quoted in U.S. dollars and exclusive of applicable taxes. For subscription services, you authorize recurring payments until you cancel.

8.2 Payment Processing

We use third-party payment processors (including Stripe) to process payments for our Services. Your use of these payment services is subject to the applicable processor's terms of service and privacy policy:

• https://stripe.com/legal/consumer
• https://stripe.com/privacy

We are not responsible nor have any liability if you suffer any damages from your use of these third-party payment services.

8.3 Late Payments

Any amounts not paid when due shall bear interest at the rate of 1.5% per month or the maximum rate permitted by law, whichever is less.

8.4 Taxes

You are responsible for paying all taxes, levies, duties, and assessments of any kind imposed by any governmental authority in connection with your use of the Services, excluding taxes based on our net income.

9. USAGE RESTRICTIONS

9.1 Acceptable Use

You agree to use the Services only for lawful purposes. You shall not use the Services in any manner that could damage, disable, overburden, or impair our systems or networks, or interfere with any other party's use and enjoyment of the Services.

9.2 Prohibited Activities

You shall not:

• Use the Services for unlawful, fraudulent, deceptive, or manipulative activity
• Attempt to circumvent, disable, or otherwise interfere with security-related features
• Use any robot, spider, crawler, scraper, or other automated means to access the Services without our permission
• Copy, reproduce, distribute, modify, create derivative works of, publicly display, or sell any portion of the Services
• Decompile, disassemble, or reverse engineer any part of the Services
• Access the Services to build a competing product or service
• Use the Services to train, improve, or develop any competing AI model or service
• Systematically download or store our analyses to create a database
• Attempt to decode, reverse engineer, or derive our proprietary prompts, workflows, methods, algorithms, or processes used to leverage third-party AI technologies
• Upload any documents that:
  • Are not authentic life insurance policy illustrations;
  • Contain fabricated, forged, or materially false information;
  • Violate any person's privacy, publicity, or data protection rights;
  • Contain malware, viruses, or malicious code;
  • Are unlawfully obtained or violate any confidentiality obligation;
• Upload documents for testing, benchmarking, or evaluation of the Service without a separate written agreement; or
• Use the Service to process documents on behalf of another person or entity without proper authorization.

9.3 Usage Monitoring and Enforcement

We reserve the right to:

• Monitor and record all use of the Services for compliance with these Terms
• Audit your use of the Services to ensure compliance
• Investigate any suspicious or reported violation of these Terms
• Take appropriate legal action against anyone who violates these Terms
• Remove or refuse any content that violates these Terms or may expose us to liability

9.4 Volume and Automation Restrictions

(a) Fair Use Limits: The Services are intended for individual, human use. We reserve the right to impose rate limits, throttling, or usage caps to prevent abuse and ensure service quality for all users.

(b) Specific Volume Restrictions: You shall not:

• Upload more than fifty (50) Policy Illustrations per day without express written authorization from Financial Planner AI. To request higher limits, contact rpc@financialplanner-ai.com with your use case and business justification;
• Use automated scripts, bots, or tools to upload documents or extract Analyses;
• Systematically download or compile Analyses to create a competing database or dataset;
• Use the Services to train, improve, or benchmark any competing AI model or service; or
• Engage in any pattern of use that places unreasonable demands on our infrastructure.

(c) Technical Enforcement: Daily upload limits reset at 12:00 AM Eastern Time. Accounts that exceed the fifty (50) illustration daily limit will be automatically rate-limited for twenty-four (24) hours. Repeated violations may result in account suspension.

(d) Immediate Suspension: We may immediately suspend or terminate accounts that violate these restrictions without prior notice or refund.

10. INTELLECTUAL PROPERTY RIGHTS

10.1 Ownership of Services

The Services, including all content, features, functionality, software, code, databases, user interfaces, proprietary workflows, prompts, algorithms, methods, processes, and documentation, are owned by Financial Planner AI and its licensors and are protected by United States and international intellectual property laws.

All content on our Services, including but not limited to text, graphics, logos, icons, images, audio clips, video clips, data compilations, page layout, underlying code and software, reports, analyses, templates, and any other materials ("Content"), is the property of Financial Planner AI or its licensors and is protected by United States and international copyright and other intellectual property laws. The compilation of all Content on our Services is the exclusive property of Financial Planner AI and is protected by United States and international copyright laws.

Our proprietary methods for utilizing third-party AI technologies, including our custom prompts, workflows, and algorithms that process insurance documents, constitute confidential trade secrets. The underlying AI technologies are owned by their respective providers.

You expressly acknowledge that our proprietary methods, including but not limited to our document processing workflows, AI prompts, model selection algorithms, output formatting logic, and analysis frameworks constitute valuable trade secrets and confidential business information. Any attempt to reverse engineer, replicate, or derive these methods violates this Agreement and applicable trade secret law.

The names "Financial Planner AI," "Insurance Planner AI," "Life Compass AI," and any associated logos or designs may be trademarks, service marks, or trade names of Financial Planner AI, whether registered or unregistered. These Terms don't grant you any rights to use any of our trademarks, service marks, trade names, logos, domain names, or other distinctive brand features.

10.2 Limited License Grant

Subject to your compliance with these Terms and payment of applicable fees, Financial Planner AI grants you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Services solely for your internal business or personal purposes. This license includes the right to view and use the Content solely in connection with your permitted use of the Services. Any other use of the Content, including reproduction, modification, distribution, transmission, republication, display, or performance, without the prior written consent of Financial Planner AI, is strictly prohibited.

10.3 Restrictions on Use

You shall not, and shall not permit any third party to:

• Copy, modify, translate, or create derivative works based on the Services or any Content
• Sell, sublicense, transfer, lease, rent, loan, or otherwise distribute the Services or any Content
• Reverse engineer, decompile, disassemble, or attempt to discover the source code
• Remove, alter, or obscure any proprietary notices, including copyright notices
• Use the Services or any Content to develop any similar or competitive product
• Use any unauthorized third-party software or tools to extract data or Content
• Reproduce, distribute, or publicly display any reports, analyses, or other output from the Services without our prior written consent

10.4 Feedback and Suggestions

If you provide any feedback, suggestions, comments, ideas, or recommendations regarding the Services ("Feedback"), you hereby grant Financial Planner AI a worldwide, perpetual, irrevocable, royalty-free license to use and exploit such Feedback for any purpose without restriction or compensation, including any moral rights, and you waive any right to be identified as the author of such Feedback.

10.5 Analysis Outputs

(a) You retain ownership of your uploaded Policy Illustrations.

(b) We retain all ownership rights in the Analyses generated by the Service, including the underlying structure, format, methodology, and presentation.

(c) Subject to the restrictions in this Agreement, we grant you a non-exclusive, non-transferable license to use Analyses generated from your uploaded documents for your internal purposes only.

(d) You may not:

• Sell, license, or commercialize any Analysis;
• Remove Company branding or attribution from Analyses;
• Publicly post or display Analyses in a manner that reveals our analytical methodology; or
• Use Analyses to develop competing services.

(e) For Professional Advisors: You may incorporate Analyses into client reports or presentations, provided you:

• Include appropriate disclaimers that Analyses are generated by software tools and require professional verification;
• Do not misrepresent Analyses as your own proprietary work product;
• Do not imply that Financial Planner AI endorses your recommendations; and
• Do not white-label or rebrand the Service or Analyses without express written consent.

11. THIRD-PARTY SERVICES AND CONTENT

11.1 Third-Party Services

The Services may contain links to or integrate with third-party websites, services, or resources ("Third-Party Services"). Your access and use of Third-Party Services is governed solely by the terms and conditions of such Third-Party Services.

11.2 Third-Party Content

The Services may display, include, or make available content, data, information, applications, or materials from third parties ("Third-Party Content"). You acknowledge and agree that:

• We do not control, endorse, or adopt any Third-Party Content
• We make no representations or warranties regarding Third-Party Content
• We are not responsible for examining or evaluating the content, accuracy, completeness, availability, timeliness, validity, legality, quality, or any other aspect of Third-Party Content
• We shall not be liable for any Third-Party Content, or any loss or damage caused by your use of or reliance on Third-Party Content

12. REGULATORY COMPLIANCE

12.1 User Responsibility for Compliance

You acknowledge that we are not a regulated financial institution, insurance company, or insurance intermediary. You are solely responsible for ensuring your use of our Services complies with all applicable laws and regulations in your jurisdiction, including without limitation:

• Federal and state insurance laws and regulations
• Securities laws and regulations (including Investment Advisers Act, Securities Exchange Act)
• Consumer protection laws
• Data protection and privacy laws (including GLBA, state privacy laws)
• Professional licensing requirements and regulations
• Fiduciary duty obligations
• Suitability and best interest standards
• Advertising and marketing regulations
• Record-keeping and supervision requirements

12.2 Insurance Regulatory Considerations

If you are an insurance professional or use the Services in connection with insurance activities, you acknowledge that:

• Some states may prohibit or restrict the use of AI tools in insurance sales, marketing, or analysis activities;
• You must determine whether your use of AI-generated analyses requires disclosure to clients or regulatory authorities;
• You remain responsible for reviewing and verifying all AI-generated outputs before using them professionally;
• Insurance regulators may require retention of records documenting your use of third-party tools;
• You may not delegate your professional judgment or regulatory obligations to AI tools; and
• Regulatory requirements regarding AI use in insurance are evolving and you must monitor developments in your jurisdiction.

12.3 Investment Adviser Considerations

If you are an investment adviser or registered representative, you acknowledge that:

• Use of third-party tools may trigger supervision and compliance obligations under applicable securities regulations;
• You must maintain records of your use of third-party analytical tools as required by applicable regulations;
• You may not outsource your fiduciary obligations or investment advisory functions to AI tools;
• You must determine whether use of the Services requires disclosure in your Form ADV or other regulatory filings; and
• You remain solely responsible for the suitability and appropriateness of any recommendations you make to clients.

12.4 No Compliance Advice

We do not provide legal, regulatory, or compliance advice. If you have questions about whether your use of the Services complies with applicable regulations, you must consult with qualified legal counsel or regulatory experts.

13. WARRANTIES AND DISCLAIMERS

13.1 Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. FINANCIAL PLANNER AI AND ITS LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION:

• WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, OR NON-INFRINGEMENT
• WARRANTIES ARISING OUT OF COURSE OF DEALING, USAGE, OR TRADE
• WARRANTIES REGARDING THE SECURITY, RELIABILITY, TIMELINESS, OR PERFORMANCE OF THE SERVICES
• WARRANTIES REGARDING THE ACCURACY OR COMPLETENESS OF ANY ANALYSES
• WARRANTIES THAT THE SERVICES WILL MEET YOUR REQUIREMENTS OR BE UNINTERRUPTED
• WARRANTIES REGARDING THE QUALITY, ACCURACY, OR RELIABILITY OF ANY INFORMATION
• WARRANTIES REGARDING THE SECURITY OF DATA OR PREVENTION OF UNAUTHORIZED ACCESS
• WARRANTIES REGARDING COMPLIANCE WITH ANY REGULATORY REQUIREMENTS
• WARRANTIES REGARDING THIRD-PARTY SERVICE PROVIDERS

14. LIMITATION OF LIABILITY

14.1 Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FINANCIAL PLANNER AI, ITS AFFILIATES, LICENSORS, OR SERVICE PROVIDERS, OR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, MEMBERS, OR MANAGERS BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES OF ANY KIND, INCLUDING WITHOUT LIMITATION DAMAGES FOR:

• LOSS OF PROFITS, REVENUE, BUSINESS, OR ANTICIPATED SAVINGS
• LOSS OF USE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES
• BUSINESS INTERRUPTION OR DIMINUTION IN VALUE
• PERSONAL INJURY OR PROPERTY DAMAGE
• ANY INVESTMENT, EXPENDITURE, OR COMMITMENT BY YOU
• ANY ERRORS OR OMISSIONS IN ANY ANALYSIS OR OUTPUT
• ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS OR YOUR DATA
• ANY INTERRUPTION OR CESSATION OF TRANSMISSION
• ANY BUGS, VIRUSES, OR OTHER HARMFUL CODE
• ANY DATA BREACHES, SECURITY INCIDENTS, OR PRIVACY VIOLATIONS
• REGULATORY FINES, PENALTIES, OR ENFORCEMENT ACTIONS
• PROFESSIONAL LIABILITY OR MALPRACTICE CLAIMS
• THIRD-PARTY SERVICE PROVIDER FAILURES OR OUTAGES

14.2 Limitation of Liability Cap

IN NO EVENT SHALL THE AGGREGATE LIABILITY OF FINANCIAL PLANNER AI AND ITS AFFILIATES, LICENSORS, AND SERVICE PROVIDERS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES EXCEED:

(a) For paying subscribers: the total fees paid by you to Company in the twelve (12) months immediately preceding the event giving rise to liability; or

(b) For users of free Services: ONE HUNDRED DOLLARS ($100); or

(c) For damages caused by our gross negligence or willful misconduct (where permitted by law): ONE THOUSAND DOLLARS ($1,000).

THIS LIMITATION SHALL NOT APPLY TO YOUR INDEMNIFICATION OBLIGATIONS UNDER THESE TERMS. THE FOREGOING LIMITATION SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW.

14.3 Basis of the Bargain

THE LIMITATIONS OF LIABILITY IN THIS SECTION SHALL APPLY EVEN IF FINANCIAL PLANNER AI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE. YOU ACKNOWLEDGE THAT THE FEES (IF ANY) REFLECT THE ALLOCATION OF RISK SET FORTH IN THIS AGREEMENT AND THAT FINANCIAL PLANNER AI WOULD NOT PROVIDE THE SERVICES WITHOUT THESE LIMITATIONS ON LIABILITY.

These limitations of liability are essential elements of the basis of the bargain between you and Financial Planner AI. The Services would not be provided without such limitations.

14.4 Personal Liability

NO INDIVIDUAL MEMBER, MANAGER, OFFICER, DIRECTOR, OR EMPLOYEE OF FINANCIAL PLANNER AI SHALL HAVE ANY PERSONAL LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES.

14.5 Statutory Rights Preserved

Nothing in this Section 14 shall limit liability for:

• Death or personal injury caused by negligence;
• Fraud or fraudulent misrepresentation;
• Gross negligence or willful misconduct (except as provided in Section 14.2(c));
• Violation of statutory rights that cannot be contractually waived under applicable law; or
• Any other liability that cannot be limited under applicable law.

14.6 Allocation of Risk

You acknowledge and agree that:

• These limitations of liability reflect a reasonable allocation of risk between you and Financial Planner AI;
• The pricing of the Services reflects these limitations;
• You have the opportunity to obtain additional protection through professional liability insurance, cybersecurity insurance, and other risk transfer mechanisms; and
• These limitations are a material inducement for Financial Planner AI to provide the Services.

16. INDEMNIFICATION

16.1 Your Indemnification Obligations

You agree to defend, indemnify, and hold harmless Financial Planner AI, its Affiliates, licensors, and service providers, and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms or use of the Services;
• Your violation of any applicable law or regulation;
• Your violation of any third-party rights, including intellectual property, privacy, or data protection rights;
• Any content or data you submit to the Services;
• Any use of the Services on behalf of clients or third parties;
• Any professional advice or services you provide based on Analyses from the Services, where you: (i) failed to perform independent verification as required by these Terms, (ii) misrepresented the source, limitations, or accuracy of the Analysis, or (iii) violated applicable professional standards in your use of the Analysis;
• Your failure to obtain necessary authorizations or consents before uploading client information;
• Your failure to comply with applicable insurance, securities, or professional regulations;
• Data breach claims arising from your failure to secure your account credentials;
• Your gross negligence, willful misconduct, or fraud; or
• Any claims by clients or third parties arising from your use of the Services.

16.2 Indemnification Procedures

Financial Planner AI will provide you with prompt written notice of any claim subject to indemnification, provided that failure to provide prompt notice will not relieve you of your indemnification obligations except to the extent you are materially prejudiced. You will have the right to control the defense of any such claim, provided that: (a) Financial Planner AI may participate in the defense with its own counsel at its own expense; and (b) you may not settle any claim without Financial Planner AI's prior written consent if such settlement imposes any obligation on Financial Planner AI or admits liability on behalf of Financial Planner AI.

17. DMCA COMPLIANCE

Financial Planner AI respects intellectual property rights. Our designated DMCA agent for copyright infringement notices is registered with the U.S. Copyright Office.

If you believe that content available through the Services infringes your copyright, please notify us in accordance with the Digital Millennium Copyright Act by providing the following information to our designated agent:

• A physical or electronic signature of the copyright owner or authorized representative
• Identification of the copyrighted work claimed to be infringed
• Identification of the material that is claimed to be infringing
• Your contact information
• A statement that you have a good faith belief that use of the material is not authorized
• A statement that the information in the notification is accurate

DMCA Agent Contact:
Financial Planner AI, LLC
Attn: DMCA Agent
155 Glendale Drive
Freehold, NJ 07728
Email: dmca@financialplanner-ai.com

18. TERM AND TERMINATION

18.1 Term

These Terms commence on the date you first accept them and continue until terminated in accordance with their provisions.

18.2 Termination by You

You may terminate these Terms at any time by ceasing all use of the Services and, if applicable, deleting your account.

18.3 Termination by Financial Planner AI

Financial Planner AI may terminate these Terms and your access to all or part of the Services at any time, with or without cause, with or without notice, effective immediately.

18.4 Effect of Termination

Upon termination of these Terms:

• Your license rights will terminate and you must cease all use of the Services;
• You will not be entitled to any refunds of any fees, pro-rata or otherwise, except where required by applicable law or if termination is due to our material breach;
• Any outstanding balance owed to Financial Planner AI will become immediately due and payable; and
• We may, but are not obligated to, delete your account data in accordance with our data retention policies set forth in Section 7.5.

18.5 Survival

All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, limitations of liability, dispute resolution provisions, and any payment obligations.

19. FORCE MAJEURE

Neither party shall be liable for any failure or delay in performance under these Terms due to circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemic, strikes, shortages of transportation, facilities, fuel, energy, labor, or materials, or failures of third-party service providers.

20. GENERAL PROVISIONS

20.1 Governing Law and Jurisdiction

These Terms and any dispute arising out of or related to these Terms or the Services shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law principles.

Multi-Jurisdictional Severability: If any court determines that the law of a jurisdiction other than New Jersey applies to any dispute, the limitations, disclaimers, and other provisions in these Terms shall be enforced to the maximum extent permitted under applicable law. If any provision is found unenforceable under applicable law, such provision shall be modified to the minimum extent necessary to make it enforceable, or if it cannot be made enforceable, it shall be severed, and all other provisions shall remain in full force and effect.

20.2 Severability

If any provision of these Terms is found unenforceable, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect and enforceable. The invalidity or unenforceability of any provision shall not affect the validity or enforceability of any other provision.

20.3 Entire Agreement

These Terms, together with our Privacy Policy and any other policies or agreements referenced herein, constitute the entire agreement between you and Financial Planner AI regarding the Services and supersede all prior agreements and understandings, whether written or oral, relating to the subject matter hereof.

20.4 Assignment

You may not assign or transfer these Terms or any of your rights or obligations under these Terms without our prior written consent. Any attempted assignment or transfer without such consent will be null and void. We may assign these Terms or any of our rights or obligations under these Terms without restriction, including in connection with a merger, acquisition, reorganization, or sale of assets.

20.5 No Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of Financial Planner AI. No waiver of any term shall be deemed a further or continuing waiver of such term or any other term.

20.6 Interpretation

The headings in these Terms are included for convenience only and shall not affect the interpretation of these Terms. Any use of "including" shall mean "including, without limitation." Any ambiguity in these Terms shall not be construed against the drafter.

20.7 User Consent and Acceptance

By using the Services, you acknowledge that you have had a meaningful opportunity to review these Terms, understand them, and agree to be bound by them. If you do not agree to these Terms, you must not use the Services.

20.8 Notices

All notices under these Terms shall be in writing and shall be deemed given when: (a) delivered personally; (b) sent by confirmed email; (c) sent by certified or registered mail, return receipt requested; or (d) sent by recognized overnight courier service. Notices to Financial Planner AI shall be sent to the address specified in Section 21.

21. CONTACT INFORMATION

21.1 General Inquiries

For general inquiries about the Services or these Terms, please contact us at:

Financial Planner AI, LLC
Email: rpc@financialplanner-ai.com

21.2 Legal Notices

For legal notices, please contact us at:

Financial Planner AI, LLC
Attn: Legal Matter
155 Glendale Drive
Freehold, NJ 07728
Email: rpc@financialplanner-ai.com

21.3 Data Deletion Requests

For complete data removal requests, contact: rpc@financialplanner-ai.com