QuickScan Terms of Service

1. Agreement and scope

These QuickScan Terms of Service are an agreement between you and Financial Planner AI, LLC, a New Jersey limited liability company (“Financial Planner AI,” “we,” “us,” or “our”).

These Terms apply to:

• The QuickScan upload page and related public pages that link to these Terms.
• The free Policy QuickScan upload and email-delivery service (“QuickScan”).

By clicking “Get My QuickScan” and submitting an illustration, you agree to these Terms and acknowledge our Privacy Policy. If you do not agree, do not submit an illustration or use QuickScan.

You must be at least 18 years old and legally able to enter into this agreement. QuickScan is intended for use in the United States.

These Terms do not govern Insurance Planner AI Professional or another enterprise product provided under a separate written agreement. Following a link to an enterprise website does not give you access to that platform. If a signed agreement governs your use of an enterprise product, the signed agreement controls.

2. Who may upload an illustration

By submitting an illustration, you represent and warrant that:

• You are the policy owner or have the policy owner's written permission or other legally sufficient authority to submit the illustration.
• You have all rights and permissions needed to provide the illustration to us and to authorize the processing described in these Terms and our Privacy Policy.
• The document is an authentic life insurance carrier illustration or another document that we expressly permit.
• You will not knowingly submit a false, materially altered, stolen, or unauthorized document.
• You will not knowingly upload Social Security numbers, medical records, banking credentials, passwords, or other information unrelated to the QuickScan analysis.
• The email address you provide is accurate, secure, and controlled by you.

If you are a financial professional, trustee, attorney, accountant, company representative, or another person acting for a policy owner, you are responsible for obtaining all required permissions and complying with applicable laws, professional obligations, employer requirements, and firm policies.

Being the insured or a beneficiary does not, by itself, establish authority to upload a policy owner's records.

You are responsible for protecting the QuickScan after it is delivered to the email address you provide.

3. What QuickScan is—and what it is not

QuickScan is an AI-assisted, preliminary informational summary generated from a single life insurance carrier illustration that you submit. It does not connect to the insurance company's policy administration system or independently access the official policy record.

Depending on the information available in the illustration, QuickScan may:

• Extract and organize basic policy information, such as the carrier, product, death benefit, insured characteristics, planned premium, premium duration, and guarantee period.
• Provide a plain-language overview of the policy design and guarantee structure.
• Identify notable policy features shown in the illustration.
• Display selected illustrated cash values, death benefits, and other ledger values.
• Identify policy characteristics or assumptions that may deserve additional review.

The content, sections, and level of detail may vary depending on the policy type, carrier illustration, and information available in the document.

How to interpret QuickScan labels

Labels and headings used in a QuickScan are preliminary and descriptive:

• “Policy Strengths” identifies features that may appear favorable based on the submitted illustration. It is not an endorsement of the policy or a conclusion that the policy is suitable, adequately funded, or performing as intended.
• “Areas for Deeper Review” identifies questions, conditions, assumptions, or policy characteristics that may warrant additional analysis. It is not a finding that the policy is defective, unsuitable, underperforming, or in need of modification or replacement.
• “Outlook,” “projected,” or similar values are selected values taken from the submitted illustration. They are not forecasts or promises of future results.
• References to guarantees are based on our interpretation of the submitted illustration. All guarantees remain subject to the policy contract, required premiums, policy transactions, and other applicable conditions.

QuickScan does not evaluate the policy owner's complete circumstances. Unless expressly contained in the submitted illustration, QuickScan does not know or consider the policy owner's:

• Insurance objectives or intended coverage period.
• Financial condition or ability to pay premiums.
• Tax circumstances.
• Health or insurability.
• Other insurance coverage.
• Estate or business planning needs.
• Risk preferences.
• Available policy or product alternatives.

For these reasons, QuickScan cannot determine whether a policy is suitable, in the policy owner's best interest, or appropriate for the policy owner's needs.

QuickScan is not

QuickScan is not:

• A carrier illustration, policy contract, carrier statement, or confirmation from the insurance company.
• Confirmation that the policy is currently in force or that the values shown remain current.
• A complete policy review, due-diligence review, suitability analysis, best-interest analysis, or fiduciary review.
• An audit of premiums actually paid, policy transactions, current cash values, loans, withdrawals, or policy status.
• A replacement, exchange, surrender, or product-comparison analysis.
• A formal policy valuation or actuarial opinion.
• Tax, legal, financial, insurance, fiduciary, or investment advice.
• A recommendation to maintain, modify, fund, surrender, exchange, replace, purchase, or sell a policy.
• A guarantee concerning policy performance, duration, premiums, benefits, cash values, or future results.

Financial Planner AI is a software provider. Through QuickScan, we are not acting as your insurer, insurance producer, financial advisor, broker-dealer, investment adviser, attorney, accountant, tax professional, trustee, or fiduciary.

Illustration dependency and verification

QuickScan is based only on the illustration submitted at one point in time. We do not independently verify:

• Whether the illustration is authentic, complete, or current.
• Whether the policy is currently in force.
• Whether planned or illustrated premiums have actually been paid.
• Current policy values, benefits, or charges.
• Loans, withdrawals, ownership changes, or other policy transactions.
• Changes occurring after the illustration was prepared.
• Whether any illustrated assumption or non-guaranteed value will occur.

Illustrated values may depend on non-guaranteed interest crediting, dividend scales, index performance, participation rates, caps, charges, expenses, and other assumptions. Actual results may differ materially.

The policy contract and current records provided by the issuing insurance company control if they differ from QuickScan.

QuickScan is not monitored or updated after delivery. We have no duty to obtain later information from the carrier, revise the QuickScan, monitor the policy, or notify you of changes in policy status, values, assumptions, charges, benefits, or carrier records.

Policy owners should review QuickScan with a qualified professional before making a policy decision. Financial professionals must independently review and verify the illustration and QuickScan before using the output with a client or as part of professional advice.

4. Your information and privacy

As between you and Financial Planner AI, you retain any rights you lawfully hold in the illustration you submit.

You authorize us and our service providers to receive, copy, host, store, process, transmit, and use the illustration and related information only as reasonably necessary to:

• Generate and deliver your QuickScan.
• Operate, secure, troubleshoot, and support the service.
• Prevent fraud or misuse.
• Comply with applicable law.

Our collection, use, sharing, retention, and deletion of personal information are described in our Privacy Policy.

QuickScan may use third-party providers for hosting, document processing, workflow automation, artificial intelligence processing, storage, security, and email delivery.

We use automated technology designed to reduce or redact certain identifying information before information is submitted to applicable artificial intelligence providers. Automated redaction is not perfect and may not identify every personal data element.

We do not use uploaded policy illustrations or QuickScan outputs to train artificial intelligence models.

No internet or electronic-storage system is completely secure. Although we use reasonable safeguards, we cannot guarantee absolute security.

You may request deletion of a QuickScan submission or related personal information by contacting rpc@financialplanner-ai.com. Retention and deletion practices are explained in the Privacy Policy.

By submitting your email address, you authorize us to send your QuickScan and related service messages to that address. Marketing communications, if any, are handled separately under the Privacy Policy and applicable law.

5. How you may use the QuickScan

We give you a limited, non-exclusive right to download, retain, and use the QuickScan for personal or professional evaluation of the policy.

You may share it with:

• The policy owner.
• The insured, with the policy owner's permission.
• The policy owner's financial, insurance, legal, tax, or other professional advisors.
• Your colleagues or employer when reasonably necessary for an authorized policy review.

You may not:

• Sell, license, or separately charge for the QuickScan itself.
• Offer QuickScan as your own software or technology service.
• White-label or rebrand it without our written permission.
• Remove or obscure material disclosures.
• Publish it as a public endorsement or advertisement without permission.
• Use it to build, test, benchmark, or train a competing product or model.
• Reverse engineer or attempt to discover our prompts, workflows, scoring methods, algorithms, or proprietary processes.
• Copy or reproduce our templates, report structures, or methods for a competing commercial purpose.

As between you and Financial Planner AI, you retain any rights you lawfully hold in the uploaded document. Financial Planner AI retains all rights in the QuickScan service and in the format, structure, selection, arrangement, methodology, templates, report design, branding, workflows, and underlying technology used to generate and present a QuickScan. Your permitted use of a QuickScan does not transfer ownership of those elements to you.

This restriction does not prevent a professional from charging for the professional's own independent services, provided the QuickScan is not separately sold, rebranded, or represented as the professional's proprietary technology.

6. Acceptable use and availability

You may not:

• Use QuickScan unlawfully, fraudulently, or deceptively.
• Upload malicious code or material that violates another person's rights.
• Interfere with or bypass security or usage controls.
• Use bots, scraping tools, or automated submissions without permission.
• Use QuickScan for bulk processing, commercial benchmarking, or system testing without a written agreement.
• Misrepresent QuickScan as an insurance-company document or as a recommendation from Financial Planner AI.

QuickScan is a limited, free promotional service. We may impose file-size, volume, geographic, rate, or capacity limits. We may reject a submission or suspend access when we reasonably believe the service is being misused.

We may change, limit, suspend, or discontinue QuickScan at any time. We do not promise that QuickScan will always be available or that every submitted document can be processed.

7. Warranty disclaimer

To the fullest extent permitted by law, QuickScan and the public website are provided “as is” and “as available.”

We do not guarantee that:

• QuickScan will be accurate, complete, consistent, or error-free.
• Every part of an illustration will be correctly identified or interpreted.
• The service will be uninterrupted or available at a particular time.
• Email delivery will be successful.
• QuickScan will be suitable for a particular purpose or meet a particular legal, regulatory, professional, or employer requirement.

We disclaim all warranties that may legally be disclaimed, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, security, reliability, and performance.

You accept that automated and artificial intelligence systems can make mistakes and that human review is required.

8. Limitation of liability

To the fullest extent permitted by law, Financial Planner AI and its members, managers, officers, employees, contractors, and agents will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages.

This includes losses associated with:

• Decisions made using a QuickScan.
• Errors, omissions, or inaccuracies in an output.
• Loss of data, revenue, profits, business, goodwill, or opportunity.
• Policy lapse, policy performance, premium changes, or lost benefits.
• Regulatory fines or professional-liability claims.
• Delayed, failed, or misdirected email delivery.
• Unauthorized access or a security incident.
• The conduct or failure of a third-party service provider.

Our total liability arising from QuickScan or the public website will not exceed $100.

These exclusions and limits apply regardless of the legal theory asserted and even if we were advised that a loss was possible.

Nothing in these Terms excludes or limits liability for fraud, willful misconduct, gross negligence, death or personal injury caused by negligence, or another liability that cannot legally be excluded or limited.

No individual member, manager, officer, employee, contractor, or agent of Financial Planner AI has personal contractual liability under these Terms.

9. Claims arising from professional or representative use

This section applies when you use QuickScan:

• In a business or professional capacity; or
• On behalf of a policy owner or another person.

You agree to defend, indemnify, and hold harmless Financial Planner AI and its members, managers, officers, employees, contractors, and agents from third-party claims, losses, liabilities, costs, and reasonable attorneys' fees arising from:

• Your lack of authority to submit an illustration.
• Your violation of privacy, insurance, professional, fiduciary, or other legal obligations.
• Advice, recommendations, representations, or services you provide.
• Your failure to independently review or verify a QuickScan.
• Your misuse or unauthorized disclosure of an illustration or QuickScan.
• Your material violation of these Terms.

This obligation does not apply to the extent a claim was caused by Financial Planner AI's gross negligence, willful misconduct, or fraud.

This section does not apply to an individual policy owner who submits the owner's own illustration solely for personal use.

10. Individual arbitration and class action waiver

10.1 Try to resolve the dispute first

Except for an eligible small-claims action or a request for temporary or emergency relief under Section 10.3, before starting arbitration or a lawsuit, the person bringing the dispute must send a written Notice of Dispute to rpc@financialplanner-ai.com.

The notice must include:

• The person's name and contact information.
• The email address used for QuickScan.
• A description of the dispute.
• The requested resolution.

The parties will have 30 days to try to resolve the matter informally.

10.2 Agreement to individual arbitration

Except for the matters listed in Section 10.3, any dispute, claim, or controversy between you and Financial Planner AI arising out of or relating to QuickScan, the related public website pages, these Terms, our Privacy Policy, or your relationship with us will be resolved through binding individual arbitration rather than in court. This applies regardless of whether the claim is based in contract, tort, statute, fraud, misrepresentation, or another legal theory.

This means both sides waive the right to have a covered dispute decided by a judge or jury.

The Federal Arbitration Act governs this arbitration agreement.

If you used QuickScan primarily for personal, family, or household purposes, arbitration will be administered by the American Arbitration Association under its Consumer Arbitration Rules and Mediation Procedures in effect when the arbitration is filed.

If you used QuickScan primarily for business or professional purposes, arbitration will be administered by the AAA under its Commercial Arbitration Rules and Mediation Procedures in effect when the arbitration is filed.

The arbitration may occur by video, telephone, written submissions, or in person. A consumer may request an in-person hearing reasonably near the consumer's residence. A business arbitration may take place in New Jersey or remotely.

Fees will be allocated under the applicable AAA rules and applicable law. Financial Planner AI will pay the amounts it is required to pay under the Consumer Arbitration Rules. Each side will ordinarily pay its own attorneys' fees unless applicable law or the arbitrator permits an award of fees.

If the AAA is unavailable or declines to administer the arbitration for a reason other than Financial Planner AI's failure to comply with its requirements or pay required fees, the parties will attempt to select another nationally recognized arbitration administrator. If they cannot agree, either party may ask a court to appoint an administrator under the Federal Arbitration Act. Any substitute administrator must apply materially equivalent consumer protections in a consumer dispute. Judgment on an arbitration award may be entered and enforced in any court having jurisdiction.

10.3 Exceptions

Either party may:

• Bring an eligible individual claim in small claims court.
• Ask a court for temporary or emergency relief to protect intellectual property, confidential information, data, or system security.
• Seek relief that applicable law says cannot be waived or required to be arbitrated.

10.4 No class or representative proceedings

You and Financial Planner AI agree that claims may be brought only on an individual basis.

Neither side may bring or participate in a class action, class arbitration, collective action, consolidated action, or representative proceeding against the other, except where applicable law makes this waiver unenforceable.

An arbitrator may award relief only to the individual party seeking relief and only to the extent needed to resolve that person's individual claim.

10.5 Right to opt out

You may opt out of this arbitration agreement by emailing rpc@financialplanner-ai.com within 30 days after the first time you submit an illustration through QuickScan.

Use the subject line “Arbitration Opt-Out” and include:

• Your full name.
• The email address used for QuickScan.
• A clear statement that you are opting out of the arbitration agreement.

Opting out of arbitration will not affect the remaining Terms or prevent you from using QuickScan.

10.6 If part of this section is unenforceable

If a portion of this arbitration section is found unenforceable, it will be limited or removed to the minimum extent necessary, and the remainder will continue to apply.

If the class action waiver is unenforceable for a particular claim, that claim must be resolved in court rather than through class arbitration.

11. General terms

Governing law

New Jersey law governs these Terms, without regard to conflict-of-law rules. Mandatory consumer rights provided by the law of your state remain available to the extent they cannot legally be waived.

Separate enterprise agreements

Insurance Planner AI Professional and other enterprise services are governed by the applicable signed agreement, order form, platform terms, privacy or data-processing addendum, and related documents. A signed agreement controls if it conflicts with these Terms.

No third-party contractual beneficiaries

These Terms are between you and Financial Planner AI. No other person becomes a contractual beneficiary merely because that person is a policy owner, insured, beneficiary, client, employer, or recipient of a QuickScan. This does not limit privacy or other legal rights that cannot be waived.

Changes

We may update these Terms for future use of QuickScan. The version linked on the upload page at the time you submit an illustration governs that submission. You should review the Terms each time you use QuickScan.

Entire agreement

These Terms and the agreement notice displayed on the QuickScan upload page are the complete agreement governing your use of QuickScan and the related public pages, except where a separate signed agreement applies. Our Privacy Policy describes our data practices and is not incorporated as an additional contractual agreement, except where these Terms expressly provide otherwise or applicable law requires.

Severability and waiver

If a provision is unenforceable, it will be limited or removed to the minimum extent necessary. The remaining provisions will continue in effect. A failure to enforce a provision is not a waiver.

Assignment

You may not transfer your rights under these Terms without our permission. We may transfer these Terms as part of a merger, acquisition, financing, corporate reorganization, or sale of all or part of our business.

No agency or professional relationship

These Terms and your use of QuickScan do not create an agency, partnership, joint venture, employment, professional-client, fiduciary, or other special relationship between you and Financial Planner AI.

Survival

The provisions concerning the nature and limitations of QuickScan, ownership and permitted use, disclaimers, limitation of liability, indemnification, dispute resolution, and general terms survive completion of a QuickScan and any suspension or discontinuation of the service.

Electronic communications

You consent to receive your QuickScan and service-related notices electronically at the email address you provide.

12. Contact information

Financial Planner AI, LLC

New Jersey, United States

General inquiries, legal notices, data requests, and arbitration opt-outs:

rpc@financialplanner-ai.com