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 Alpha Testing Services

Alpha Services are experimental features provided for testing purposes by select users. Alpha Services may contain errors or inaccuracies, may be discontinued or substantially modified at any time without notice, and should not be relied upon for critical decisions.

1.2 Alpha Testing Program

By participating in our alpha testing program, you agree to:

• Provide feedback about your experience using the Services
• Report any bugs, errors, or issues you encounter
• Understand that the platform is under active development
• Accept that features may change frequently during the alpha period
• Use the Services for testing and evaluation purposes only

1.3 Critical Warning - Not for Production Use

The Alpha Services are not designed or intended for production use. You must not rely on them for business, financial, or legal decision-making. Alpha Services are provided solely for testing and feedback purposes.

2. ELIGIBILITY AND ACCOUNT SECURITY

2.1 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.

2.2 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. 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. CRITICAL LIMITATIONS AND DISCLAIMERS

4.1 No Professional Advice

Please note that THE SERVICES DO NOT CONSTITUTE PROFESSIONAL ADVICE OF ANY KIND.

The Services are informational 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.

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.

4.2 AI Technology Limitations

Please note 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
• Alpha features may be less stable and more prone to errors than production services
• During alpha testing, we may make frequent updates that could temporarily affect service availability

4.3 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.

4.4 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 strict data protection guarantees and no-training commitments for 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. Your business data is never used for training or improving third-party AI services.

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

All technology partners operate under their respective enterprise terms of service and privacy policies that meet or exceed industry security standards including SOC 2 Type 2, ISO 27001, and HIPAA compliance frameworks.

Note: 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.

5. 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 all necessary permissions, authorizations, and consents from your clients to upload their information to 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, 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.

6. DATA RIGHTS AND PRIVACY

6.1 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.

6.2 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.

6.3 Privacy Practices

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

6.4 Data Security

We take commercially reasonable measures to protect your data. However, as alpha testing involves experimental services, there may be additional risks compared to production environments. No security measures are perfect or impenetrable.

6.5 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 limited periods per standard enterprise cloud infrastructure practices. 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.

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

6.6 Data Portability

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

6.7 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 strict no-training guarantees
• 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.

7. PAYMENT TERMS

7.1 Fees and Payment

Some features may require payment as specified on our website. Alpha testing features may be provided at no cost during the testing period. Alpha access pricing and terms are subject to change as we transition from testing to production services.

7.2 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.

7.3 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.

7.4 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.

8. USAGE RESTRICTIONS

8.1 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.

8.2 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

8.3 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. INTELLECTUAL PROPERTY RIGHTS

9.1 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.

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.

9.2 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.

9.3 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

9.4 Feedback and Suggestions

Alpha testing feedback is particularly valuable for improving our Services. If you provide feedback, suggestions, or recommendations, you grant Financial Planner AI a worldwide, perpetual, irrevocable, royalty-free license to use such feedback for any purpose without compensation. We may, but are not required to, acknowledge contributions.

10. THIRD-PARTY SERVICES AND CONTENT

10.1 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.

10.2 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

11. WARRANTIES AND DISCLAIMERS

11.1 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

12. LIMITATION OF LIABILITY

12.1 Liability Cap

Our total liability to you for any claims arising from these Terms or your use of the Alpha Services will not exceed the greater of $100 or the amount you paid (if any) in the past 12 months.

12.2 Service Interruptions

We make no guarantees of uptime or availability during alpha testing. We may experience interruptions, outages, or service modifications without notice.

12.3 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. These limitations apply even during alpha testing periods.

13. DISPUTE RESOLUTION AND ARBITRATION

13.1 Agreement to Arbitrate

Any disputes arising from these Terms or the Alpha Services will be resolved through binding individual arbitration conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, except for intellectual property disputes or claims for injunctive relief.

13.2 Arbitration Details

• Location: New Jersey
• Rules: AAA Consumer Arbitration Rules (available at www.adr.org)
• Small claims court exception: Either party may pursue claims in small claims court
• Jury trial waiver: Both parties waive the right to jury trial

13.3 Class Action Waiver

You and Financial Planner AI agree that disputes must be brought individually, not as part of any class action or representative proceeding.

14. INDEMNIFICATION

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.

15. REGULATORY COMPLIANCE

You acknowledge that we are not a regulated financial institution. You are solely responsible for ensuring your use of our Services complies with all applicable laws and regulations in your jurisdiction, including without limitation financial services regulations, data protection laws, and professional licensing requirements.

16. DMCA COMPLIANCE

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

Send DMCA notices to: rpc@financialplanner-ai.com

17. TERM AND TERMINATION

17.1 Term

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

17.2 Termination by You

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

17.3 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. During alpha testing, we may terminate access with shorter notice periods as we refine the service and user base.

17.4 Effect of Termination

Upon termination of these Terms: (a) your license rights will terminate and you must cease all use of the Services; (b) you will not be entitled to any refunds of any fees, pro-rata or otherwise; and (c) any outstanding balance owed to Financial Planner AI will become immediately due and payable.

17.5 Survival

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

18. 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, or shortages of transportation, facilities, fuel, energy, labor, or materials.

19. GENERAL PROVISIONS

19.1 Governing Law

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.

19.2 Severability

If any provision of these Terms is found unenforceable, that provision will be limited to the minimum extent necessary, and all other provisions will remain in full force and effect.

19.3 Entire Agreement

These Terms constitute the entire agreement between you and Financial Planner AI regarding the Services and supersede all prior agreements and understandings, whether written or oral.

19.4 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.

19.5 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.

19.6 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."

ALPHA TESTING EXPECTATIONS

During alpha testing, please expect:

• Frequent updates and changes to features
• Occasional service interruptions for improvements
• Requests for feedback and bug reports
• Limited customer support compared to production services
• Features that may be modified or removed based on testing results

20. CONTACT INFORMATION

20.1 General Inquiries

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

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

20.2 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