Terms of Service

Effective: January 1, 2025

IMPORTANT NOTICE REGARDING YOUR LEGAL RIGHTS

PLEASE READ THESE TERMS OF SERVICE CAREFULLY. THEY CONTAIN AN ARBITRATION AGREEMENT AND CLASS ACTION WAIVER THAT AFFECT YOUR LEGAL RIGHTS.

By accessing or using the Services provided by Financial Planner AI, LLC, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service, including the binding arbitration provision and class action waiver found in Section 12.

1. INTRODUCTION AND ACCEPTANCE

These Terms of Service (the "Terms") constitute a legally binding agreement between you and Financial Planner AI, LLC, a limited liability company organized under the laws of New Jersey ("Financial Planner AI," "we," "our," or "us"). These Terms govern your access to and use of our website at https://www.lifeinsuranceplanner-ai.com, our proprietary web-based software application, our AI-powered analysis feature ("Insurance Planner AI"), 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.

2. ELIGIBILITY AND ACCOUNT SECURITY

2.1 Eligibility Requirements

To access and use our Services, you must be at least eighteen (18) years old and have the legal capacity to form a binding contract with Financial Planner AI under applicable law.

2.2 Account Security

If you register for an account, you are responsible for maintaining the confidentiality of your account credentials, including your username and password. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We reserve the right to suspend or terminate your access to the Services if we suspect unauthorized access to your account.

3. SERVICE DESCRIPTION AND SCOPE

Financial Planner AI provides a web-based software application that enables Life Insurance Policy Owners to analyze life insurance policies through our proprietary AI Technology. 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 otherwise change the Services at any time in our sole discretion.

4. CRITICAL LIMITATIONS AND DISCLAIMERS

4.1 No Professional Advice

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT THE SERVICES DO NOT CONSTITUTE PROFESSIONAL ADVICE OF ANY KIND.

The Services are informational tools only and are not intended to replace the advice or services of licensed professionals. Financial Planner AI does not provide tax, legal, financial, insurance, or investment advice. We do not recommend, endorse, or sell any insurance products, policies, or companies.

You must consult with qualified Professional Advisors before making any decisions about your life insurance policy or taking any actions based on information provided through our Services. The Analyses generated by our Services are intended solely as starting points for discussions with your Professional Advisors.

4.2 AI Technology Limitations

You expressly acknowledge that our Services utilize automated artificial intelligence and machine learning technologies that have inherent limitations. Our AI Technology:

May contain errors, bugs, or inaccuracies
May not capture all relevant factors or considerations
May produce inconsistent or unexpected results
Requires human review and professional verification
Is subject to regular updates that may affect results
Cannot verify the completeness or accuracy of input data
May have biases or limitations we have not identified
Should never be relied upon without independent verification

4.3 Document Processing Restrictions

The Services are designed to process only life insurance policy illustrations. We do not analyze other insurance or financial documents. We cannot verify the completeness, accuracy, or authenticity of any illustration you submit, and the accuracy of our Analyses depends entirely on the accuracy of the illustration provided.

Processing errors or failures may occur due to document formatting or quality issues, and we are not responsible for any errors or omissions in the illustrations you provide.

4.4 Third-Party AI Services

Our Services utilize artificial intelligence technologies provided by OpenAI and Anthropic. By using our Services, you acknowledge and agree that:

Your de-identified data may be processed by these third-party AI providers
You are subject to the terms and conditions and privacy policies of these companies:
We are not responsible for the actions, practices, or policies of these third-party providers
We make no representations about the accuracy, reliability, or completeness of these third-party services

5. PROFESSIONAL ADVISOR USE

If you are a financial advisor, insurance agent, or other financial professional ("Advisor") using our Services on behalf of clients:

You represent and warrant that you have all necessary permissions, authorizations, and consents from your clients to upload their information to our Services.
You acknowledge that you are acting solely as an agent of your client and not of Financial Planner AI. We do not establish any relationship with your clients through your use of our Services.
You remain solely responsible for compliance with all applicable laws, regulations, and professional obligations governing your industry, including but not limited to securities laws, insurance regulations, fiduciary duties, and disclosure requirements.
You shall indemnify, defend, and hold harmless Financial Planner AI from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or relating to: (a) your use of the Services on behalf of clients; (b) any violation of applicable regulations; or (c) any failure to obtain proper authorization from your clients.
You are solely responsible for explaining to your clients how their information will be used when uploaded to our Services. You must provide your clients with access to our Privacy Policy and Terms of Service.
Financial Planner AI makes no representations about the suitability of our Services for assisting you in fulfilling your professional obligations to clients.

6. DATA RIGHTS AND PRIVACY

6.1 Data Collection and Use

By using our Services, you acknowledge that we may collect and process various types of data about you and your use of the Services as described in our Privacy Policy.

6.2 Data Rights and Licenses

You represent and warrant that you have all necessary rights, permissions, and consents to provide any data you submit to our Services. You retain all ownership rights in your User Content but grant Financial Planner AI and its Affiliates a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, store, copy, modify, create derivative works from, distribute, publish, transmit, stream, broadcast, and otherwise exploit such User Content for any purpose related to providing and improving the Services.

6.3 Privacy Practices

Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which you acknowledge having reviewed.

6.4 Data Security

We implement reasonable technical, administrative, and physical security measures designed to protect your data from unauthorized access, disclosure, or misuse. However, no security measures are perfect or impenetrable.

7. PAYMENT TERMS

7.1 Fees and Payment

Access to certain features requires payment of fees as specified on our Website. All fees are quoted in U.S. dollars and exclusive of applicable taxes. For subscription services, you authorize recurring payments until you cancel.

7.2 Payment Processing

We use third-party payment processors (including Stripe) to process payments for our Services. Your use of these payment services is subject to the applicable processor's terms of service and privacy policy:

We are not responsible nor have any liability if you suffer any damages from your use of these third-party payment services.

7.3 Late Payments

Any amounts not paid when due shall bear interest at the rate of 1.5% per month or the maximum rate permitted by law, whichever is less.

7.4 Taxes

You are responsible for paying all taxes, levies, duties, and assessments of any kind imposed by any governmental authority in connection with your use of the Services, excluding taxes based on our net income.

8. USAGE RESTRICTIONS

8.1 Acceptable Use

You agree to use the Services only for lawful purposes. You shall not use the Services in any manner that could damage, disable, overburden, or impair our systems or networks, or interfere with any other party's use and enjoyment of the Services.

8.2 Prohibited Activities

You shall not:

Use the Services for unlawful, fraudulent, deceptive, or manipulative activity
Attempt to circumvent, disable, or otherwise interfere with security-related features
Use any robot, spider, crawler, scraper, or other automated means to access the Services without our permission
Copy, reproduce, distribute, modify, create derivative works of, publicly display, or sell any portion of the Services
Decompile, disassemble, or reverse engineer any part of the Services
Access the Services to build a competing product or service

8.3 Usage Monitoring and Enforcement

We reserve the right to:

Monitor and record all use of the Services for compliance with these Terms
Investigate any suspicious or reported violation of these Terms
Take appropriate legal action against anyone who violates these Terms
Remove or refuse any content that violates these Terms or may expose us to liability

9. INTELLECTUAL PROPERTY RIGHTS

9.1 Ownership of Services

The Services, including all content, features, functionality, software, code, databases, user interfaces, algorithms, machine learning models, and documentation, are owned by Financial Planner AI and its licensors and are protected by United States and international intellectual property laws. These Terms don't grant you any rights to use any of our trademarks, logos, domain names, or other distinctive brand features except as expressly provided herein.

9.2 Limited License Grant

Subject to your compliance with these Terms and payment of applicable fees, Financial Planner AI grants you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Services solely for your internal business or personal purposes.

9.3 Restrictions on Use

You shall not, and shall not permit any third party to:

Copy, modify, translate, or create derivative works based on the Services
Sell, sublicense, transfer, lease, rent, loan, or otherwise distribute the Services
Reverse engineer, decompile, disassemble, or attempt to discover the source code
Remove, alter, or obscure any proprietary notices
Use the Services to develop any similar or competitive product
Use any unauthorized third-party software or tools to extract data

9.4 Feedback and Suggestions

If you provide any feedback, suggestions, comments, ideas, or recommendations regarding the Services ("Feedback"), you hereby grant Financial Planner AI a worldwide, perpetual, irrevocable, royalty-free license to use and exploit such Feedback for any purpose without restriction or compensation.

10. THIRD-PARTY SERVICES AND CONTENT

10.1 Third-Party Services

The Services may contain links to or integrate with third-party websites, services, or resources ("Third-Party Services"). Your access and use of Third-Party Services is governed solely by the terms and conditions of such Third-Party Services.

10.2 Third-Party Content

The Services may display, include, or make available content, data, information, applications, or materials from third parties ("Third-Party Content"). You acknowledge and agree that:

We do not control, endorse, or adopt any Third-Party Content
We make no representations or warranties regarding Third-Party Content
We are not responsible for examining or evaluating the content, accuracy, completeness, availability, timeliness, validity, legality, quality, or any other aspect of Third-Party Content
We shall not be liable for any Third-Party Content, or any loss or damage caused by your use of or reliance on Third-Party Content

11. WARRANTIES AND DISCLAIMERS

11.1 Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. FINANCIAL PLANNER AI AND ITS LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION:

WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, OR NON-INFRINGEMENT
WARRANTIES ARISING OUT OF COURSE OF DEALING, USAGE, OR TRADE
WARRANTIES REGARDING THE SECURITY, RELIABILITY, TIMELINESS, OR PERFORMANCE OF THE SERVICES
WARRANTIES REGARDING THE ACCURACY OR COMPLETENESS OF ANY ANALYSES
WARRANTIES THAT THE SERVICES WILL MEET YOUR REQUIREMENTS OR BE UNINTERRUPTED
WARRANTIES REGARDING THE QUALITY, ACCURACY, OR RELIABILITY OF ANY INFORMATION

12. LIMITATION OF LIABILITY

12.1 Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FINANCIAL PLANNER AI, ITS AFFILIATES, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES OF ANY KIND, INCLUDING WITHOUT LIMITATION DAMAGES FOR:

LOSS OF PROFITS, REVENUE, BUSINESS, OR ANTICIPATED SAVINGS
LOSS OF USE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES
BUSINESS INTERRUPTION OR DIMINUTION IN VALUE
PERSONAL INJURY OR PROPERTY DAMAGE
ANY INVESTMENT, EXPENDITURE, OR COMMITMENT BY YOU
ANY ERRORS OR OMISSIONS IN ANY ANALYSIS OR OUTPUT
ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS
ANY INTERRUPTION OR CESSATION OF TRANSMISSION
ANY BUGS, VIRUSES, OR OTHER HARMFUL CODE

12.2 Limitation of Liability

IN NO EVENT SHALL THE AGGREGATE LIABILITY OF FINANCIAL PLANNER AI AND ITS AFFILIATES, LICENSORS, AND SERVICE PROVIDERS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID FOR THE SERVICES DURING THE 12 MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

12.3 Basis of the Bargain

THE LIMITATIONS OF LIABILITY IN THIS SECTION SHALL APPLY EVEN IF FINANCIAL PLANNER AI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

13. DISPUTE RESOLUTION AND ARBITRATION

13.1 Agreement to Arbitrate

You and Financial Planner AI agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services (collectively, "Disputes") will be resolved exclusively through binding individual arbitration rather than in court, except that you and Financial Planner AI may seek injunctive relief in court for infringement of intellectual property rights.

13.2 Arbitration Procedures

The arbitration will be conducted by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The AAA's rules are available at www.adr.org or by calling 1-800-778-7879. Payment of all filing, administration, and arbitrator fees will be governed by the AAA's rules.

13.3 Class Action Waiver

YOU AND FINANCIAL PLANNER AI AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

Further, unless both you and Financial Planner AI agree otherwise, the arbitrator may not consolidate more than one person's claims with your claims and may not otherwise preside over any form of a representative or class proceeding.

13.4 Exceptions

The following Disputes are not subject to the above provisions concerning informal negotiations and binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any of your or Financial Planner AI's intellectual property rights; (b) any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief.

14. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Financial Planner AI, its Affiliates, licensors, and service providers, and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or use of the Services.

15. TERM AND TERMINATION

15.1 Term

These Terms commence on the date you first accept them and continue until terminated in accordance with their provisions.

15.2 Termination by You

You may terminate these Terms at any time by ceasing all use of the Services and, if applicable, deleting your account.

15.3 Termination by Financial Planner AI

Financial Planner AI may terminate these Terms and your access to all or part of the Services at any time, with or without cause, with or without notice, effective immediately.

15.4 Effect of Termination

Upon termination of these Terms: (a) your license rights will terminate and you must cease all use of the Services; (b) you will not be entitled to any refunds of any fees, pro-rata or otherwise; and (c) any outstanding balance owed to Financial Planner AI will become immediately due and payable.

15.5 Survival

All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

16. GENERAL PROVISIONS

16.1 Governing Law

These Terms and any dispute arising out of or related to these Terms or the Services shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law principles.

16.2 Severability

If any provision of these Terms is found unenforceable, that provision will be limited to the minimum extent necessary, and all other provisions will remain in full force and effect.

16.3 Entire Agreement

These Terms constitute the entire agreement between you and Financial Planner AI regarding the Services and supersede all prior agreements and understandings, whether written or oral.

16.4 Assignment

You may not assign or transfer these Terms or any of your rights or obligations under these Terms without our prior written consent. Any attempted assignment or transfer without such consent will be null and void. We may assign these Terms or any of our rights or obligations under these Terms without restriction.

16.5 No Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of Financial Planner AI.

16.6 Interpretation

The headings in these Terms are included for convenience only and shall not affect the interpretation of these Terms. Any use of "including" shall mean "including, without limitation."

17. CONTACT INFORMATION

17.1 General Inquiries

For general inquiries about the Services or these Terms, please contact us at:

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

17.2 Legal Notices

For legal notices, please contact us at:

Financial Planner AI, LLC
Attn: Legal Matter
155 Glendale Drive
Freehold, NJ 07728
Email: rpc@financialplanner-ai.com