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.

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. The Platform may not be used for public access, resale, or general availability without express written authorization from FPAI.

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

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. 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) FPAI may delete your account data in accordance with its data retention policies; and (d) Sections 3, 4, 5, 6, 7, 8, 10, and 11 survive termination.

10. 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.

11. Governing Law

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

12. Amendments

FPAI may update these Platform Terms from time to time. Material changes will be reflected by updating the effective date above. Continued access to the Platform after changes constitutes acceptance of the revised terms.

13. Contact

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