Platform Terms

1. Purpose and Scope

These Platform Terms govern access to and use of the Insurance Planner AI Professional platform ("Platform") made available by Financial Planner AI, LLC ("FPAI").

These Platform Terms do not replace or modify any executed Enterprise Pilot Agreement, Master Services Agreement, Order Form, Statement of Work, or similar written agreement between FPAI and a licensed enterprise (each, an "Enterprise Agreement"). In the event of any conflict between these Platform Terms and an executed Enterprise Agreement, the Enterprise Agreement governs in all respects.

The Platform consists of multiple analytical tools. Access to specific tools is governed by the applicable Enterprise Agreement or other written agreement between FPAI and the licensed enterprise.

2. Permitted Use

Access to the Platform is permitted solely for internal business purposes, enterprise evaluation, or contracted use under an executed Enterprise Agreement. The Platform may not be used for public access, resale, or general availability without FPAI's prior written authorization.

Authorized users are designated by the licensed enterprise under the applicable Enterprise Agreement. Credentials are personal to each authorized user and may not be shared.

3. Intellectual Property

The Platform, including all software, workflows, analytical frameworks, scoring systems, methodologies, prompts, report architectures, configurations, documentation, trade dress, and underlying architecture, constitutes proprietary intellectual property of FPAI or its licensors and is protected by applicable intellectual property, trade secret, and unfair competition law.

Reports, dashboards, and analytical outputs generated by the Platform ("Platform Outputs") incorporate proprietary methodologies, analytical frameworks, scoring systems, report architectures, and trade dress of FPAI.

Except as expressly permitted in an Enterprise Agreement, you may not:

• Reverse engineer, decompile, or disassemble the Platform
• Attempt to derive or replicate proprietary methodologies, prompts, or analytical logic
• Use Platform Outputs to develop, train, or commercialize competing products or services, or to train any artificial intelligence or machine learning system
• Redistribute, resell, or offer Platform Outputs as a service
• Remove or modify FPAI attribution or proprietary markings from Platform Outputs
• Scrape, harvest, or systematically extract Platform data or outputs

All rights not expressly granted are reserved by FPAI.

4. Data Architecture

The Platform operates a client-side redaction architecture for uploaded policy illustrations. Personally identifiable information ("PII") contained within uploaded illustrations is removed in the user's browser prior to transmission to FPAI systems. FPAI backend systems receive and process only de-identified policy data.

Data voluntarily entered by authorized users into platform fields is stored in encrypted form within FPAI's infrastructure and is subject to the data handling terms specified in the applicable Enterprise Agreement.

5. Confidentiality

Information regarding the Platform's design, operation, outputs, pricing, and capabilities is confidential and proprietary. Such information may not be disclosed to third parties without FPAI's prior written consent, except as required by law or as permitted under an executed Enterprise Agreement.

6. Professional Use Disclaimer

The Platform provides analytical tools designed to support professional judgment. It does not provide legal, tax, financial, insurance, investment, fiduciary, or suitability advice. FPAI's services are technology services only and are not professional services requiring licensure.

All professional judgments, recommendations, disclosures, and client-facing decisions remain the sole responsibility of licensed professionals and their firms.

7. Warranties and Disclaimers

Unless otherwise agreed in an executed Enterprise Agreement, the Platform is provided on an "AS-IS" and "AS-AVAILABLE" basis.

FPAI DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, AND NON-INFRINGEMENT, EXCEPT TO THE EXTENT EXPRESSLY PROVIDED IN AN EXECUTED ENTERPRISE AGREEMENT.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FPAI'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE PLATFORM TERMS SHALL NOT EXCEED THE GREATER OF: (A) THE FEES ACTUALLY PAID BY YOU TO FPAI DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE THOUSAND U.S. DOLLARS ($1,000). FOR USERS OPERATING UNDER AN EXECUTED ENTERPRISE AGREEMENT, THE LIABILITY TERMS OF THAT AGREEMENT GOVERN.

IN NO EVENT SHALL FPAI BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY.

Nothing in these Platform Terms excludes or limits liability that cannot be excluded or limited under applicable law.

9. Termination

FPAI may suspend or terminate access to the Platform at any time upon written notice. FPAI may immediately suspend access without notice if you breach these Platform Terms or use the Platform in violation of applicable law.

For users operating under an executed Enterprise Agreement, termination and data handling are governed by that agreement.

Sections 3, 4, 5, 6, 7, 8, 10, and 11 survive termination.

10. Governing Law and Dispute Resolution

These Platform Terms are governed by the laws of the State of New Jersey, without regard to conflict-of-law principles. Any dispute arising out of these Platform Terms shall be resolved in the state or federal courts located in New Jersey. For users operating under an executed Enterprise Agreement, the governing law and dispute resolution provisions of that agreement apply.

Before initiating any formal proceeding, you agree to contact FPAI and attempt to resolve any dispute informally for at least thirty (30) days.

11. Amendments

FPAI may update these Platform Terms from time to time. Material changes will be reflected by updating the effective date above. For users without an executed Enterprise Agreement, continued access after changes constitutes acceptance. For users operating under an executed Enterprise Agreement, amendments to these Platform Terms do not modify the terms of that agreement without mutual written consent.

12. Contact

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