Platform Terms

1. Purpose and Scope

These Platform Terms govern access to and use of the Estate Align™ platform (the "Platform") made available by Financial Planner AI, LLC ("FPAI"). These terms apply to all users of the Platform, whether accessing for individual evaluation, enterprise evaluation, demonstration, pilot, 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. Eligibility

Access to the Platform is limited to:

• Individuals who are at least 18 years of age;
• Licensed professionals (including attorneys, financial advisors, insurance professionals, CPAs, and trust officers) or their authorized staff acting under professional supervision; and
• Users who have created an account through the Platform's registration process or been granted access credentials by FPAI or an authorized enterprise administrator.

By accessing the Platform, you represent and warrant that you meet these eligibility requirements.

3. Permitted Use

Access to the Platform is permitted solely to:

• Explore and evaluate Platform capabilities, including use of pre-loaded sample documents, during the early access period or under an executed agreement;
• Support internal professional meeting preparation and client conversation workflows;
• Evaluate the Platform for potential enterprise engagement; and
• 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.

4. Acceptable Use Policy

You agree not to:

• Upload documents without proper authorization from the document owner or relevant parties;
• Upload documents containing information you are not legally permitted to access or process;
• Use Platform outputs to harm, defraud, or mislead any third party;
• Attempt to circumvent, disable, or interfere with security features of the Platform;
• Use automated scripts, bots, or other programmatic means to access the Platform without prior written authorization;
• Interfere with or disrupt the integrity or performance of the Platform;
• Attempt to gain unauthorized access to the Platform, other accounts, or connected systems;
• Use the Platform in violation of any applicable law, regulation, or professional rule of conduct; or
• Encourage or assist any third party in doing any of the foregoing.

FPAI reserves the right to investigate and take appropriate action against any suspected violations, including suspension or termination of access.

5. Intellectual Property and Platform Protection

The Platform, including all software, workflows, analytical frameworks, methodologies, prompts, configurations, reports, dashboards, presentation views, 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.

6. Early Access Status and Document Handling

6.1 Early Access Platform Status

The Platform is currently offered as an early access release. Certain features, safeguards, and workflows are under active development and may change without notice. The Platform may contain limitations, errors, or interruptions and is provided on an "AS-AVAILABLE" basis during the early access period unless otherwise agreed in writing.

6.2 No Automatic Redaction

At this time, the Platform does not perform automatic redaction, anonymization, or removal of personally identifiable information ("PII") from uploaded documents. Documents are processed as submitted by the user.

Estate planning documents (including wills, trusts, and related materials) may contain sensitive personal, financial, or family information. You are solely responsible for determining whether to upload any document and whether any information should be redacted prior to upload. If you have concerns about uploading sensitive information, you should redact such information before using the Platform or refrain from using the Platform.

Pre-loaded sample documents are available within the Platform for users who wish to evaluate Platform functionality without uploading their own documents. These sample documents are derived from publicly available estate records.

6.3 Output Is Preparatory

Platform outputs are designed to support meeting preparation and client-facing discussion, including on-screen presentation workflows. Outputs are informational and organizational in nature and are not intended to constitute legal, tax, or financial conclusions or advice.

7. Data Processing and Third-Party Services

7.1 Document Processing

Uploaded documents are processed using a combination of FPAI systems and third-party infrastructure providers, including cloud hosting, database, and artificial intelligence services. Document content may be transmitted to and processed by these third-party services to enable Platform functionality.

7.2 Third-Party Subprocessors

De-identified or user-submitted data may be processed by third-party subprocessors in accordance with FPAI's agreements with such providers. A current list of material subprocessors is available upon request by contacting rpc@financialplanner-ai.com.

7.3 Data Retention

FPAI retains uploaded documents and associated data only as long as necessary to provide Platform services and fulfill legal obligations. Upon termination of access, FPAI may delete user data in accordance with its standard data retention schedule. Users may request deletion of their data by contacting FPAI at the address provided in Section 20.

7.4 No Sale of Personal Information

FPAI does not sell personal information as defined under applicable privacy laws.

8. User Representations and Warranties

By accessing or using the Platform, you represent and warrant that:

• You have the legal right and authority to accept these Platform Terms;
• You have obtained all necessary consents, authorizations, or permissions required to upload any documents to the Platform;
• Your use of the Platform will comply with all applicable laws, regulations, and professional rules of conduct;
• Any information you provide to FPAI is accurate and not misleading;
• You will not upload any content that infringes the intellectual property rights or privacy rights of any third party; and
• You will not use the Platform for any purpose that is unlawful, harmful, or prohibited by these Platform Terms.

9. 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.

10. Professional Use Disclaimer

The Platform provides educational and analytical tools designed to support professional judgment and client conversations. It does not provide legal, tax, financial, investment, fiduciary, or suitability advice.

Attorneys draft and implement estate planning documents. 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.

11. Feedback

If you provide FPAI with any feedback, suggestions, ideas, or recommendations regarding the Platform ("Feedback"), you hereby grant FPAI a perpetual, irrevocable, worldwide, royalty-free, fully sublicensable license to use, reproduce, modify, adapt, publish, distribute, and otherwise exploit such Feedback for any purpose without restriction or obligation to you. You acknowledge that FPAI is not obligated to use any Feedback.

12. No Warranties; Evaluation Context

Unless otherwise agreed in writing, the Platform is provided on an "AS-IS" and "AS-AVAILABLE" basis for evaluation, pilot, 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.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

13.1 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).

13.2 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.

13.3 Basis of the Bargain

The limitations in this Section 13 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.

13.4 Exceptions

Nothing in these Platform Terms excludes or limits liability that cannot be excluded or limited under applicable law.

14. Indemnification

You agree to indemnify, defend, and hold harmless FPAI and its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your access to or use of the Platform;
• Your breach of these Platform Terms;
• Your violation of any applicable law, regulation, or professional rule;
• Your violation of any third-party right, including any intellectual property, privacy, or proprietary right;
• Any documents or content you upload to the Platform; or
• Any dispute between you and any third party relating to your use of the Platform.

FPAI reserves the right, at your expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with FPAI's defense of such claims.

15. Suspension and Termination

15.1 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, demonstration, and pilot access may be revoked at FPAI's sole discretion.

15.2 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.

15.3 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 Section 7.3; and (d) Sections 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 16, 17, and 19 survive termination.

16. 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.

17. Governing Law

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

18. General Provisions

18.1 Entire Agreement

These Platform Terms, together with any applicable MSA, Order Form, or Statement of Work, constitute the entire agreement between you and FPAI regarding the Platform and supersede all prior or contemporaneous communications, representations, or agreements, whether oral or written, with respect to the subject matter hereof.

18.2 Severability

If any provision of these Platform Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the parties' original intent.

18.3 Waiver

No failure or delay by FPAI in exercising any right, power, or remedy under these Platform Terms shall operate as a waiver thereof, nor shall any single or partial exercise of any right, power, or remedy preclude any other or further exercise thereof or the exercise of any other right, power, or remedy.

18.4 Assignment

You may not assign or transfer these Platform Terms or any rights or obligations hereunder without the prior written consent of FPAI. FPAI may assign these Platform Terms without restriction, including in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets. Subject to the foregoing, these Platform Terms shall bind and inure to the benefit of the parties and their respective successors and permitted assigns.

18.5 Force Majeure

FPAI shall not be liable for any failure or delay in performance due to causes beyond its reasonable control, including acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, epidemics, pandemics, network infrastructure failures, or strikes.

18.6 Independent Contractors

The parties are independent contractors. Nothing in these Platform Terms creates a partnership, joint venture, employment, or agency relationship between you and FPAI.

18.7 Notices

FPAI may provide notices to you via email to the address associated with your account or by posting notices on the Platform. You may provide notices to FPAI at the contact information in Section 20.

19. Amendments

FPAI may update these Platform Terms from time to time. FPAI will notify registered users of material changes via email at least fourteen (14) days before such changes take effect. Material changes will also be reflected by updating the effective date above. Continued access to the Platform after the effective date of any changes constitutes acceptance of the revised terms.

20. Contact

Financial Planner AI, LLC
Email: rpc@financialplanner-ai.com
Website: https://estatealign.ai