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 New Jersey limited liability company ("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 finplan-ai.com, lifeinsuranceplanner-ai.com, and any other domains we operate, our proprietary software applications including Insurance Planner AI (with PolicyReview™, PolicyMatch™, and PolicyCompare™ analysis tools), 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 Intended Users

Our Services are designed for:

• Policy Owners: Individuals, trusts, corporations, or other entities that own life insurance policies and wish to analyze policy illustrations.
• Financial Professionals: Licensed insurance agents, financial advisors, and other professionals who analyze policy illustrations on behalf of policy owners with proper written authorization.

If you are not the policy owner, you must have written authorization from the owner before uploading any policy illustration. Being the insured or a beneficiary does not authorize you to use our Services.

1.2 Service Tiers and Modifications

We offer Services at various pricing tiers, including free access options. All tiers are subject to the limitations and disclaimers in this Agreement. We may modify pricing, features, access levels, or usage limits at any time. We reserve the right to impose usage limits, rate limits, or capacity restrictions to ensure service quality.

1.3 Promotional Pricing

We may offer Services at reduced or no cost during promotional periods. Such promotional pricing may be modified or terminated at any time without notice, does not create any ongoing pricing obligation, and does not entitle you to continued free or reduced-cost access. Standard pricing will apply when promotional periods end.

2. SERVICE DESCRIPTION

Financial Planner AI provides web-based software applications that enable users to analyze life insurance policies through our proprietary analysis system. Our Services include Insurance Planner AI (with PolicyReview™, PolicyMatch™, PolicyCompare™, and Policy Health Score™ analysis capabilities), and other tools we may develop. Access to Insurance Planner AI Professional™ is governed by separate Platform Terms and applicable enterprise agreements. Full Policy Review reports contain detailed multi-page analysis. Report structure, content, and length may vary. We reserve the right to modify report structure and content at any time.

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 discontinue the Services at any time in our sole discretion.

3. CRITICAL DISCLAIMERS

3.1 No Professional Advice

THE SERVICES DO NOT CONSTITUTE PROFESSIONAL ADVICE OF ANY KIND.

The Services are informational software tools only. Financial Planner AI does not provide tax, legal, financial, insurance, or investment advice. We do not recommend, endorse, or sell any insurance products. We are not a regulated financial institution, insurance company, insurance agency, broker-dealer, or investment adviser.

You must consult with qualified professionals before making any decisions about your life insurance policy or taking any actions based on information provided through our Services. Analyses generated by our Services are starting points for discussions with professionals, not substitutes for professional advice.

3.2 Insurance Licensing 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. We do not receive commissions from insurance companies. Our Services are software-as-a-service technology for analyzing policy illustrations you provide, not insurance services.

You are solely responsible for determining whether your use of our Services requires licensing or regulatory approval, obtaining all necessary licenses, complying with applicable laws and professional conduct rules, and maintaining required professional liability insurance.

3.3 AI Technology Limitations

Our Services utilize artificial intelligence technologies with inherent limitations. Our AI-powered analysis:

• May contain errors, bugs, or inaccuracies
• May produce inconsistent or varying results
• Cannot verify the completeness or accuracy of input data
• May have biases or limitations we have not identified
• Requires human review and professional verification
• Should never be relied upon without independent verification

The Services are designed to process only life insurance policy illustrations. Analysis is based on a single point-in-time illustration and does not reflect changes that may have occurred after the illustration was generated, including premium payments, withdrawals, policy loans, carrier administrative actions, or changes in crediting rates or policy charges. We cannot verify the authenticity of any illustration you submit, and accuracy depends entirely on the illustration provided.

4. DATA PROCESSING AND PRIVACY

4.1 Data Processing

Our Services are built on enterprise-grade third-party platforms selected for their security practices and industry certifications. Financial Planner AI does not maintain its own SOC 2 or similar certification; we rely upon our vendors' certifications. When you upload policy illustrations, your data may be processed by our technology partners for document storage, web infrastructure, workflow processing, AI analysis, and database management.

We utilize AI providers who contractually commit not to train on business API data. However, we cannot independently verify third-party practices beyond our contractual agreements. All processing occurs within the United States.

4.2 Automated PII Redaction

Our Services employ automated technology to identify and redact personal identifying information from policy illustrations before AI processing. However, automated redaction is not perfect and may fail to identify all personal information. You are responsible for reviewing documents before upload and assume all risk associated with uploading documents containing personal information.

You remain solely responsible for compliance with all applicable privacy regulations, including GLBA, state insurance privacy laws, and professional conduct rules. Our redaction system is a convenience tool, not a compliance guarantee.

4.3 Data Rights and Retention

You retain ownership of your uploaded policy illustrations. You grant us a license to use, store, and process your content for providing and improving the Services. You also grant us the right to use anonymized and aggregated metadata (such as policy type frequency and processing patterns) to improve service performance. We do not use uploaded policy illustrations or analysis outputs to train AI models.

You control when policy illustrations and analyses are deleted from your account. Our technology partners may retain deleted data in backup systems for up to 90 days per standard enterprise practices. For complete data removal, contact rpc@financialplanner-ai.com.

4.4 Data Security

We implement commercially reasonable security measures to protect your data, including encryption, access controls, and vendor security due diligence. However, no security measures are perfect. Our liability for data breaches is limited as set forth in Section 11. We are not liable for breaches caused by third-party providers, your failure to secure account credentials, or information you uploaded despite redaction warnings.

5. PROFESSIONAL ADVISOR USE

If you are a financial professional using our Services on behalf of clients, you represent and warrant that:

• You have obtained written authorization from the policy owner to upload and analyze their policy illustrations
• You are acting as an agent of your client, not of Financial Planner AI
• You remain solely responsible for compliance with all applicable laws, regulations, and professional obligations
• You will not white-label, rebrand, or resell our Services without express written agreement
• You will not imply that our analysis constitutes your professional advice or our endorsement
• You maintain appropriate errors and omissions insurance coverage
• You are responsible for explaining to clients how their information will be used
• You will independently verify all scores, metrics, and analytical outputs before presenting them to clients or relying on them for professional recommendations

You acknowledge that some state regulations may restrict the use of AI tools in insurance activities. You are solely responsible for determining compliance with applicable regulations in your jurisdiction.

6. ELIGIBILITY, ACCOUNTS, AND PAYMENT

6.1 Eligibility

To use our Services, you must be at least 18 years old and have legal capacity to form a binding contract. The Services are intended for use within the United States.

6.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. Notify us immediately of any unauthorized use.

6.3 Payment

Access to certain features may require payment as specified on our website. All fees are in U.S. dollars and exclusive of applicable taxes. We use third-party payment processors (including Stripe) subject to their terms of service. Late payments bear interest at 1.5% per month or the maximum rate permitted by law.

7. USAGE RESTRICTIONS

You agree to use the Services only for lawful purposes. You shall not:

• Use the Services for unlawful, fraudulent, or deceptive activity
• Circumvent or interfere with security features
• Use automated means (bots, scrapers) to access the Services without permission
• Copy, distribute, modify, or create derivative works of the Services
• Reverse engineer, decompile, or disassemble any part of the Services
• Access the Services to build a competing product or train competing AI models
• Attempt to derive our proprietary prompts, workflows, or algorithms
• Upload documents that are not authentic policy illustrations, contain false information, violate privacy rights, or contain malicious code
• Upload documents for testing or benchmarking without written agreement

7.1 Volume Restrictions

You may not upload more than five (5) Full Policy Review requests per day per email address. QuickScan requests are subject to reasonable use limits and may be rate-limited at our discretion. Daily limits reset at 12:00 AM Eastern Time. Accounts exceeding limits will be automatically rate-limited for 24 hours. To request higher limits, contact rpc@financialplanner-ai.com.

8. INTELLECTUAL PROPERTY

8.1 Ownership

The Services, including all content, features, software, workflows, prompts, algorithms, and documentation, are owned by Financial Planner AI and protected by intellectual property laws. Our proprietary methods for utilizing AI technologies, including our document processing workflows, prompts, and analysis frameworks, constitute confidential trade secrets.

Our analytical frameworks, scoring methodologies (including Policy Health Score™ calculations and supporting analytical metrics), and report structures constitute trade secrets developed through substantial investment. You agree not to reverse engineer, replicate, or create derivative methodologies based on exposure to our Analyses.

8.2 Trademarks

The names "Financial Planner AI," "Insurance Planner AI," "Life Compass AI," "PolicyReview," "PolicyMatch," "PolicyCompare," "Policy Health Score," and associated logos are trademarks of Financial Planner AI, whether registered or unregistered. You may not use these names to describe competing services, in advertising, or in any manner likely to cause confusion.

8.3 Analysis Outputs

You retain ownership of your uploaded policy illustrations. We retain ownership rights in the Analyses we generate, including structure, format, methodology, and presentation. We grant you a non-exclusive, non-transferable license to use Analyses for your internal purposes only. You may not sell, commercialize, or use Analyses to develop competing services.

Professional advisors may incorporate Analyses into client reports provided you include appropriate disclaimers, do not misrepresent Analyses as your own work, and do not imply our endorsement.

You acknowledge that Analyses are AI-generated and that copyright protection for AI-generated works is unsettled. Regardless of copyright status, you agree to treat Analyses as our confidential proprietary information and abide by all use restrictions.

9. REGULATORY COMPLIANCE

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, including:

• Federal and state insurance laws
• Securities laws and regulations
• Data protection and privacy laws
• Professional licensing requirements
• Fiduciary and suitability obligations
• Record-keeping requirements

AI regulations are rapidly evolving. You are solely responsible for monitoring and complying with AI-specific regulations that may be enacted. We make no representation that our Services comply with any specific regulatory requirements.

10. WARRANTIES AND DISCLAIMERS

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND. WE EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, NON-INFRINGEMENT, SECURITY, RELIABILITY, AND PERFORMANCE.

We do not warrant that the Services will meet your requirements, be uninterrupted, or be error-free. We make no warranties regarding third-party service providers or regulatory compliance.

11. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINANCIAL PLANNER AI SHALL NOT BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING DAMAGES FOR LOSS OF PROFITS, DATA, GOODWILL, BUSINESS INTERRUPTION, ERRORS IN ANALYSES, DATA BREACHES, REGULATORY FINES, OR PROFESSIONAL LIABILITY CLAIMS.

OUR AGGREGATE LIABILITY SHALL NOT EXCEED: (a) for paying subscribers, fees paid in the 12 months preceding the claim; (b) for free users, $100; (c) for gross negligence or willful misconduct, $1,000.

These limitations apply even if we have been advised of the possibility of damages and reflect a reasonable allocation of risk. The Services would not be provided without these limitations. No individual member, manager, officer, or employee of Financial Planner AI shall have personal liability under these Terms.

Nothing in this section limits liability for death or personal injury caused by negligence, fraud, or liability that cannot be limited under applicable law.

13. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Financial Planner AI and its officers, directors, employees, and agents from any claims, damages, costs, and expenses (including attorneys' fees) arising from:

• Your violation of these Terms or applicable law
• Your violation of third-party rights
• Your use of the Services on behalf of clients
• Professional advice you provide based on Analyses without proper verification
• Your failure to obtain necessary authorizations or comply with regulations
• Data breaches arising from your failure to secure account credentials
• Claims by clients or third parties arising from your use of the Services

14. TERM AND TERMINATION

These Terms commence when you first accept them and continue until terminated. You may terminate by ceasing use of the Services and deleting your account. We may terminate your access at any time, with or without cause or notice.

Upon termination, your license rights terminate, you must cease all use, and you are not entitled to refunds except where required by law or if termination is due to our material breach. Provisions that should survive termination (including ownership, disclaimers, indemnity, limitations of liability, and dispute resolution) shall survive.

15. GENERAL PROVISIONS

Governing Law: These Terms are governed by New Jersey law without regard to conflict of law principles.

Severability: If any provision is found unenforceable, it will be limited or severed to the minimum extent necessary, and remaining provisions remain in effect.

Entire Agreement: These Terms, with our Privacy Policy and Cookie Policy, constitute the entire agreement regarding the Services.

Assignment: You may not assign these Terms without our consent. We may assign without restriction.

No Waiver: Our failure to enforce any provision is not a waiver.

Force Majeure: Neither party is liable for failures due to circumstances beyond reasonable control.

16. DMCA AND CONTACT INFORMATION

If you believe content infringes your copyright, contact our DMCA agent at dmca@financialplanner-ai.com with identification of the copyrighted work and infringing material, your contact information, and statements of good faith belief and accuracy.

General Inquiries and Legal Notices:
Financial Planner AI, LLC
155 Glendale Drive
Freehold, NJ 07728
Email: rpc@financialplanner-ai.com

Data Deletion Requests: rpc@financialplanner-ai.com

Data Processing Addendum: Enterprise customers requiring a DPA for GDPR, CCPA, or other compliance may request one by contacting rpc@financialplanner-ai.com.