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") for enterprise evaluation, demonstration, or contract-based use.

These Platform Terms are not a consumer clickwrap agreement and do not replace or modify any executed Master Services Agreement ("MSA"), Order Form, Statement of Work, or similar written agreement. In the event of any conflict, the applicable written agreement governs.

1.1 Platform Composition

The Platform consists of multiple analytical tools made available by FPAI under these Platform Terms. As of the Effective Date, the Platform includes:

(a) PolicyCheckup — a client-facing engagement tool for policyholder self-service review, accessed through enterprise-branded microsites.

(b) PolicyReview — a single-policy diagnostic tool for structured in-force policy analysis.

(c) PolicyMatch — a goal alignment analysis tool for evaluating policy suitability against client objectives.

(d) PolicyCompare — a side-by-side comparative analysis tool for evaluating two policies against one another.

(e) TOLIReview — a fiduciary policy review tool for trust-owned life insurance documentation, designed to support fiduciary review documentation under applicable trust, banking, and administrative standards, subject to the terms of the governing trust instrument and applicable state law.

Access to specific Platform tools is governed by the applicable Order Form, Master Services Agreement, Pilot Order Form, or other written agreement between FPAI and the licensed enterprise. Unless otherwise specified in writing, access to one Platform tool does not grant rights to any other Platform tool.

2. Permitted Use

Access to the Platform is permitted solely to:

• Evaluate the Platform for potential enterprise engagement
• Support internal professional review workflows under an executed agreement
• Demonstrate platform capabilities in connection with sales or diligence discussions

Use is limited to internal business purposes only, except as follows: the PolicyCheckup feature is designed for distribution to policyholders through enterprise-branded microsites. When you enable PolicyCheckup for your policyholders, you are responsible for the relationship with those policyholders, including any required disclosures, consent, or notices under applicable law. FPAI's contractual relationship is with your organization, not with individual policyholders who access PolicyCheckup. The Platform may not otherwise be used for public access, resale, or general availability without express written authorization from FPAI.

TOLIReview is designed to produce fiduciary policy review documentation intended for use by trustees, trust committees, and the professionals who serve them — including Certified Public Accountants, estate planning attorneys, independent trustees, and other fiduciary professionals. Reports generated by TOLIReview may be shared by the licensed user with such professionals in the licensed user's professional network, solely for trust administration, fiduciary documentation, committee review, and other professional review purposes consistent with applicable trust law. Sharing TOLIReview reports with recipient professionals for these purposes does not create a license or user relationship between FPAI and the recipient professional. Recipient professionals' use of TOLIReview reports is subject to the output restrictions set forth in Section 3. The licensed user remains responsible for ensuring that any sharing of TOLIReview reports is consistent with applicable confidentiality obligations, trust privacy requirements, and the terms of the underlying trust instrument.

Authorized users include your employees, contracted agents, affiliated advisors, and other professionals designated by you under your enterprise agreement. You are responsible for ensuring that all authorized users comply with these Platform Terms. Credentials are personal to each authorized user and may not be shared. You agree to promptly notify FPAI of any unauthorized access or use.

2.5 Pilot and Evaluation Access

FPAI may offer access to the Platform for fixed-term pilot, evaluation, or proof-of-concept purposes under a separate written document ("Pilot Order Form" or "Evaluation Framework Addendum"), which may specify the Platform tools included, duration, authorized users, volume limits, success criteria, commercial terms, and post-pilot data handling.

A signed Pilot Order Form or Evaluation Framework Addendum is incorporated by reference into these Platform Terms for the duration of the pilot period. In the event of a conflict between these Platform Terms and a signed Pilot Order Form during the pilot period, the Pilot Order Form governs.

Reports, dashboards, and analytical outputs generated during a pilot period remain subject to Section 3 (Intellectual Property and Platform Protection), including the output protection restrictions in Section 3.1, notwithstanding termination of the pilot.

A pilot is a time-limited evaluation and does not create any commitment by either party to enter into a production license, Master Services Agreement, or ongoing commercial relationship, except as expressly set forth in a signed writing. Any success criteria, performance targets, or evaluation metrics included in a Pilot Order Form are specific to that pilot and are not warranties of Platform performance. Sections 7 (No Warranties) and 8 (Limitation of Liability) apply to pilot access and to any claims arising from pilot use.

Upon conclusion of the pilot period, data handling and access termination are governed by the applicable Pilot Order Form. If the Pilot Order Form is silent on post-pilot matters, the provisions of Section 9.3 (Effect of Termination) apply.

3. Intellectual Property and Platform Protection

The Platform, including all software, workflows, analytical frameworks, methodologies, prompts, configurations, reports, dashboards, documentation, and underlying architecture, constitutes proprietary intellectual property of FPAI or its licensors.

Except as expressly permitted in writing, you may not:

• Reverse engineer, decompile, or disassemble the Platform
• Attempt to derive or replicate proprietary methodologies, prompts, or analytical logic
• Use Platform access to develop or benchmark competing products or services
• Scrape, harvest, or systematically extract platform outputs or data
• Share access credentials with unauthorized parties

3.1 Output Protection

Reports, dashboards, and analytical outputs generated by the Platform ("Platform Outputs") incorporate proprietary methodologies, analytical frameworks, and trade dress of FPAI, including without limitation:

(a) the TOLIReview fiduciary review format and report structure;

(b) the seven-question trust context intake methodology;

(c) the Duration Adequacy analytical framework, including its use of SSA 2022 Period Life Tables as a fiduciary benchmark;

(d) the HIGH / MONITOR / INFO finding priority structure;

(e) the TOLIReview report preset architecture, including the Fiduciary Snapshot, Fiduciary Review, and Committee Packet configurations;

(f) the Policy Health Score methodology used in PolicyReview and PolicyCheckup;

(g) the six-dimension scorecard used in PolicyCompare;

(h) the goal alignment rating system used in PolicyMatch.

Platform Outputs may be used for their intended professional and fiduciary purposes, including trust file documentation, client reporting, committee presentation, and other professional review purposes. Platform Outputs may NOT be used to:

(i) develop, train, benchmark, or evaluate competing analytical products, services, or methodologies;

(ii) serve as training data, fine-tuning data, or reference material for any artificial intelligence or machine learning system developed by a party other than FPAI;

(iii) be redistributed commercially, resold, or offered as a service by any party other than FPAI;

(iv) be modified to remove FPAI attribution, methodology disclosures, or proprietary markings.

These restrictions apply to any party in possession of Platform Outputs, whether as a licensed user or as a recipient professional under Section 2. FPAI reserves all rights and remedies available under applicable intellectual property, trade secret, and unfair competition law.

All rights not expressly granted are reserved by FPAI.

4. Zero-Knowledge Data Architecture

The Platform is designed around a Zero-Knowledge processing model. Personally identifiable information ("PII") contained within uploaded policy illustrations — including names, Social Security numbers, dates of birth, and addresses — is removed client-side, in the user's browser, prior to transmission to FPAI systems.

FPAI backend systems receive and process only de-identified policy data, including death benefit amounts, premium schedules, cash value projections, loan provisions, and policy mechanics. Original customer identifiers are designed to be removed client-side prior to transmission and are not intentionally transmitted to or stored by FPAI systems or third-party processors as part of normal platform operation.

This architectural design materially reduces data breach exposure and regulatory scope.

Data voluntarily entered by authorized users into platform fields — such as client names for report labeling, email addresses for delivery, and intake question responses — is stored in encrypted form within FPAI's infrastructure and is subject to the data retention terms specified in the applicable written agreement. This user-provided data is distinct from PII contained within uploaded illustrations, which is redacted client-side before transmission as described above.

For complete technical documentation, see the Security & Compliance Overview available upon request.

5. Confidentiality

Information regarding the Platform's design, operation, outputs, pricing, capabilities, and evaluation materials is confidential and proprietary. Such information may be used solely for internal evaluation or contracted purposes and may not be disclosed to third parties without FPAI's prior written consent, except as required by law.

6. Professional Use Disclaimer

The Platform provides educational and analytical tools designed to support professional judgment. It does not provide legal, tax, financial, insurance, investment, fiduciary, or suitability advice.

All professional judgments, recommendations, disclosures, and client-facing decisions remain the sole responsibility of licensed professionals and their firms, subject to applicable laws and internal compliance procedures.

7. No Warranties; Evaluation Context

Unless otherwise agreed in writing, the Platform is provided on an "AS-IS" and "AS-AVAILABLE" basis for evaluation or contracted use.

FPAI DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, AND NON-INFRINGEMENT.

Performance targets, processing times, uptime commitments, and feature descriptions are indicative and not guarantees unless expressly stated in a written agreement.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

8.1 Cap on Liability

FPAI's total aggregate liability arising out of or related to these Platform Terms, whether in contract, tort (including negligence), strict liability, or any other legal theory, 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).

8.2 Exclusion of Consequential Damages

IN NO EVENT SHALL FPAI BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, EVEN IF FPAI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

8.3 Basis of the Bargain

The limitations in this Section 8 reflect the allocation of risk between the parties and are an essential element of the basis of the bargain between FPAI and you. FPAI would not provide access to the Platform without these limitations.

8.4 Exceptions

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

9. Suspension and Termination

9.1 Termination for Convenience

FPAI may suspend or terminate your access to the Platform at any time, with or without cause, upon written notice (including email). Evaluation and demonstration access may be revoked at FPAI's sole discretion.

9.2 Termination for Cause

FPAI may immediately suspend or terminate access without notice if you: (a) breach any provision of these Platform Terms; (b) engage in conduct that FPAI reasonably believes may harm FPAI, the Platform, or third parties; or (c) use the Platform in violation of applicable law.

9.3 Effect of Termination

Upon termination: (a) your right to access the Platform ceases immediately; (b) you must cease all use of Platform outputs and confidential information; (c) upon written request made within thirty (30) days of termination, FPAI will provide an export of your analysis data in a standard machine-readable format at no additional charge; (d) after the thirty (30) day export period, FPAI may delete your account data in accordance with its data retention policies; and (e) Section 2 (insofar as it restricts recipient professional use of TOLIReview Outputs), Sections 3, 4, 5, 6, 7, 8, 11, and 12 survive termination.

10. Service Levels

The Platform targets 99.9% uptime availability, leveraging SOC 2 Type 2-certified cloud infrastructure. Specific service level commitments, remedies, and support response times, if any, are specified in the applicable written agreement and are not governed by these Platform Terms. Scheduled maintenance windows will be communicated in advance when practicable.

11. Dispute Resolution

Any dispute arising out of or relating to these Platform Terms shall be resolved exclusively in the state or federal courts located in New Jersey. You consent to personal jurisdiction in such courts.

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

12. Governing Law

These Platform Terms are governed by the laws of the State of New Jersey, without regard to conflict-of-law principles.

13. Amendments

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

14. Contact

Financial Planner AI, LLC
Robert Chwalk, CFP®, CLU®, ChFC® — Founder & CEO
Email: rpc@financialplanner-ai.com