Terms of Service

[ATTORNEY: Standard acceptance language. By accessing or using the PoisePlan service ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.]

PoisePlan provides educational tools and information related to personal financial planning. The Service includes a financial planning dashboard, educational content, an AI-powered coaching assistant, and projection tools.

The Service is for educational purposes only. PoisePlan is not a registered investment adviser, broker-dealer, accountant, attorney, or insurance agent. The Service does not provide personalized financial, investment, legal, tax, or insurance advice.

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All information, projections, scenarios, recommendations, and patterns shown through the Service are general educational information based on common scenarios and principles. They are not personalized financial advice and should not be relied upon as such.

For decisions involving investments, taxes, real estate, insurance, or legal matters, you should consult appropriate licensed professionals who can evaluate your complete situation.

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Projections shown by the Service (including freedom dates, net worth growth, and retirement balance estimates) are based on assumptions that may not hold true. Past performance does not guarantee future results. Investing involves risk, including possible loss of principal.

You agree to:

• Provide accurate information when using the Service
• Use the Service only for lawful purposes
• Consult licensed professionals before making major financial decisions
• Not rely solely on the Service for financial decisions
• Maintain the confidentiality of your account credentials

[ATTORNEY: Add specific subscription terms, refund policy, auto-renewal language, and state-specific consumer protection requirements.]

[ATTORNEY: Account suspension, termination, and data retention policies.]

[ATTORNEY: Standard IP ownership and license-to-use language.]

[ATTORNEY: Critical section. Comprehensive limitation of liability including: maximum aggregate liability cap (e.g., total fees paid in last 12 months); exclusion of indirect, consequential, incidental damages; exclusion of damages from investment losses, financial decisions, etc.; state-specific carve-outs where required.]

[ATTORNEY: Standard indemnification clause.]

[ATTORNEY: Critical for SaaS protection. Include: binding individual arbitration clause; class action waiver; choice of arbitration provider (AAA, JAMS); choice of venue/seat; choice of governing law; opt-out provisions where state law requires.]

We may modify these Terms from time to time. When we do, we will update the version number and effective date, and we will notify you and request acknowledgment of the updated Terms before you continue using the Service.

[ATTORNEY: State/country of governing law.]

For questions about these Terms, contact: legal@poiseplan.com