Terms of Service

You may use the Service only if you are at least 18 years old, are able to form a binding contract with us, and are located in the United States. The Service is intended for U.S. users planning their own personal finances. By using the Service, you represent that you meet these requirements. If you are using the Service on behalf of a household or another person, you are responsible for their compliance with these Terms.

You can use the Service without an account. If you do, your work is stored against an anonymous record that is reachable only from the browser you created it in — it will not follow you to another device, and it may be lost if you clear your browser’s data. Signing out permanently deletes it. We cannot recover an anonymous simulation for you, because we have no way to confirm it is yours.

To keep your work, use it across devices, or connect your own AI assistant, you must create an account with your first name and email address. You agree to provide accurate information and to keep it current. You are responsible for maintaining the security of your account and for all activity that occurs under it. Notify us promptly at hello@futurezapp.com if you suspect any unauthorized use. We are not liable for any loss arising from unauthorized use of your account that results from your failure to keep your credentials secure.

Futurez lets you model your financial life by building simulations, projecting outcomes across many possible market scenarios, viewing charts and detailed figures, using AI-assisted helpers, and — if you choose — securely connecting your own AI assistant to your data through our integration. The specific features available may change over time as we improve the Service, and we may add, modify, or discontinue features at our discretion. If we discontinue the Service entirely during a term you have already prepaid, we will refund the unused, prepaid portion of your subscription.

Plans and pricing

Futurez offers a free tier and a paid subscription. What each includes is described in the Service and may change over time. The plan, price, billing frequency, and currency that apply to you are those presented to you at the time you subscribe and shown in your account settings. We may offer different plans, prices, or promotional and experimental offers over time, and offers may vary between users.

We may change our prices, and we do not guarantee any price beyond your current paid term. If we change the price that applies to your subscription, the new price will take effect on your next renewal, and we will give you reasonable advance notice before that renewal (by email, in-app notice, or as otherwise required by law). If you do not want to renew at the new price, you may cancel before it takes effect; continuing your subscription after the change takes effect means you accept the new price.

Free trials and introductory offers

We may offer a free trial or other introductory offer. The length and terms of any trial — including whether a payment method is required up front — will be as described to you when you sign up, and may vary between users or over time. Unless the offer states otherwise, if a payment method is on file and you do not cancel before the trial ends, your trial will automatically convert to a paid subscription at the end of the trial, and we will charge your payment method the then-current price for your plan. If no payment method is on file when a trial ends, your access to paid features simply pauses until you subscribe. You may cancel during a trial at any time to avoid being charged; canceling a trial takes effect immediately and ends your trial access at that time.

Automatic renewal and how to cancel

Your subscription renews automatically. Unless you cancel, your subscription will automatically renew at the end of each term for a further term of the same length, and we will charge your payment method on file the then-current price for your plan (see Section 4.1 regarding price changes). You can cancel at any time from your account settings (or by emailing hello@futurezapp.com). When you cancel a paid subscription, it will not renew for the next term, and you keep access until the end of the period you already paid for. You can turn automatic renewal back on before the term ends if you change your mind.

Payments

Payments are processed by Stripe. By subscribing, you authorize us and Stripe to charge your payment method for the applicable fees, including automatic renewals, until you cancel. You are responsible for keeping a valid payment method on file. If a renewal payment fails, your account may enter a past-due state while the payment is retried; if payment is not completed, we may suspend or cancel your subscription. We only display your card’s brand, last four digits, and expiration within the Service; your full card details are handled by Stripe.

Refunds

Except where required by law, all fees are non-refundable, and we do not provide refunds or credits for partial subscription periods, unused time, or features you did not use. Because your subscription auto-renews, you can avoid a future charge by canceling before the renewal date, and any free trial we offer lets you evaluate the product before a charge occurs. If you believe you were charged in error, contact us at hello@futurezapp.com and we will look into it in good faith.

Taxes

Prices are exclusive of taxes unless stated otherwise. You are responsible for any applicable sales, use, or similar taxes, which we may add to your charges where required.

Parts of the Service use artificial intelligence — including a conversational assistant and tools that build charts or write simulation logic from your instructions. AI features carry real and variable costs, including third-party costs that depend on AI model availability and pricing outside our control. Your subscription gives you access to the Service; it does not entitle you to any guaranteed or minimum amount of AI usage.

AI usage is included in your subscription subject to usage allowances that we set and enforce, currently through an in-app credit system. You can see your current allowance and remaining usage in the app. You acknowledge and agree that:

• allowances are not a promised quantity of AI output, are not guaranteed, and (except as we state in the app) do not roll over from period to period;
• we may set, change, reduce, increase, meter, throttle, suspend, or discontinue AI allowances or AI features at any time, with or without prior notice — for example, as our costs change, as AI models or their prices change, or as needed to keep the Service sustainable;
• if you reach an allowance, the affected AI features may be temporarily unavailable to you until the allowance resets or you are provided additional usage; and
• we may limit, suspend, or revoke AI access for usage that we determine is excessive, automated, abusive, or otherwise inconsistent with normal individual use of the Service.

The non-AI features of the Service do not depend on these AI allowances.

AI output can be wrong. AI features may produce information that is inaccurate, incomplete, or not suitable for your situation. You should independently review and verify any AI-generated output before relying on it, and you should never treat it as financial, investment, tax, or legal advice (see Section 6). You are responsible for the instructions you give to AI features and for how you use their output.

This is important. Futurez is a tool for modeling and educational exploration of possible financial scenarios. It is not a financial planner, investment adviser, broker-dealer, tax preparer, accountant, or law firm, and using it does not create any advisory or fiduciary relationship between you and us.

• Nothing in the Service is financial, investment, tax, accounting, or legal advice, or a recommendation to buy, sell, or hold any security or to pursue any particular financial strategy.
• Futurez’s outputs are projections and simulations based on the information you enter and on modeling assumptions. They are estimates, not predictions or guarantees, and actual results will differ, potentially significantly. Projected outcomes across market scenarios describe modeled possibilities, not assurances of any result.
• You are solely responsible for your financial decisions. Before making important decisions, consult a qualified professional (such as a licensed financial advisor, tax professional, or attorney) who can consider your full circumstances.

You agree that you use the Service and any of its outputs at your own risk and that we are not responsible for decisions you make based on them.

You own your content. As between you and us, you retain all rights to the information you enter into the Service, including your simulation data and the messages you send to AI features (“Your Content”). We do not claim ownership of Your Content.

License to operate the Service. You grant us a limited, non-exclusive, worldwide, royalty-free license to host, store, process, transmit, display, and otherwise use Your Content solely as needed to provide, secure, and improve the Service for you and as described in our Privacy Policy. This license exists only so the Service can function (for example, storing your simulations and passing your instructions to AI features); it ends when Your Content is deleted, subject to routine backup cycles.

Your responsibility for Your Content. You are responsible for Your Content and represent that you have the right to provide it and that it does not violate these Terms or any law or third-party right.

Feedback. If you send us suggestions or feedback about the Service, we may use them without restriction or obligation to you.

You agree not to:

• use the Service for any unlawful, fraudulent, or harmful purpose, or in violation of these Terms;
• access or attempt to access accounts or data that are not yours, or attempt to defeat the access controls that keep our team from viewing your data or that separate one user’s data from another’s;
• reverse engineer, decompile, scrape, or attempt to extract the source code or underlying models of the Service, except to the extent this restriction is prohibited by law;
• interfere with, disrupt, overload, or attempt to gain unauthorized access to the Service or its infrastructure, or circumvent usage limits (including AI usage allowances) through automated or abusive means;
• resell, sublicense, or provide the Service to third parties as a service bureau, except through features we expressly provide;
• upload malware or use the Service to violate the rights of others; or
• use the Service to provide regulated financial, investment, tax, or legal advice to third parties as if it were a professional advisory service.

We may investigate and take appropriate action, including suspending or terminating accounts, for violations of this section.

The Service lets you connect a third-party AI assistant to your Futurez data through a secure, standards-based authorization process. If you use this feature, you are responsible for the third-party assistant and account you connect, including its terms, its security, and what you instruct it to do with your data. Once you direct a connected assistant to access your data, that access happens under your authorization and control. We are not responsible for the acts, omissions, or privacy practices of third-party assistants or their providers.

The Service — including its software, models, design, text, graphics, logos, and the “Futurez” name and branding — is owned by us or our licensors and is protected by intellectual-property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial financial planning. We reserve all rights not expressly granted. You may not use our name, logo, or branding without our prior written permission.

The Service relies on third-party providers (such as those listed in our Privacy Policy) and may link to third-party websites or resources. We are not responsible for third-party services or content, and your use of them may be governed by their own terms and policies.

Our Privacy Policy explains how we collect, use, and protect your information, including our commitment not to sell your data, not to serve ads, and to access your simulation content only with your express permission. By using the Service, you agree to the Privacy Policy.

The Service is provided “as is” and “as available,” without warranties of any kind. To the fullest extent permitted by law, we disclaim all warranties, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and any warranty arising from course of dealing or usage of trade. We do not warrant that the Service will be uninterrupted, error-free, secure, or that its outputs, including AI outputs and financial projections, will be accurate, reliable, or suitable for your purposes. Some jurisdictions do not allow certain warranty exclusions, so some of the above may not apply to you.

To the fullest extent permitted by law:

• We will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or financial or investment losses, arising out of or relating to the Service or these Terms, even if we have been advised of the possibility of such damages. This expressly includes losses you claim arise from decisions made in reliance on the Service’s projections or AI output.
• Our total aggregate liability for all claims relating to the Service or these Terms will not exceed the greater of (a) the amount you paid us for the Service in the twelve (12) months before the event giving rise to the claim, or (b) one hundred U.S. dollars ($100).

These limitations apply regardless of the theory of liability and are a fundamental basis of the bargain between us. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

You agree to indemnify and hold harmless This Meeting Matters, LLC and its owner, personnel, and agents from and against any claims, damages, losses, and reasonable expenses (including reasonable attorneys’ fees) arising out of or related to your Content, your use of the Service, your violation of these Terms, or your violation of any law or third-party right.

By you. You may stop using the Service and cancel your subscription at any time as described in Section 4, and you may delete your account by emailing hello@futurezapp.com (and, in the future, potentially through the app). If you are using the Service without an account, signing out permanently deletes your simulation, and anonymous simulations are also deleted automatically after a period of inactivity, as described in the Privacy Policy.

By us. We may suspend or terminate your access if you violate these Terms, if we are required to by law, or to protect the Service or other users. Where practical and appropriate, we will give you notice. If we terminate your account without cause while you have paid for a term, we will refund the unused, prepaid portion of that term.

Effect of termination. On termination, your right to use the Service ends. We will handle your data as described in the Privacy Policy, including deleting it as described there. Sections that by their nature should survive termination (including Sections 6, 7, 10, 13, 14, 15, and 17) will survive.

These Terms are governed by the laws of the State of Indiana, without regard to its conflict-of-laws rules. You agree that any dispute arising out of or relating to these Terms or the Service will be brought exclusively in the state or federal courts located in Indiana, and you consent to the personal jurisdiction and venue of those courts. Nothing here prevents either party from seeking injunctive relief in those courts to protect its rights.

We may update these Terms from time to time. When we do, we will post the updated Terms with a new “Last updated” date. If a change is material, we will provide any notice required by applicable law, and we may — but are not obligated to, except where the law requires it — also notify you by email or an in-app notice. Your continued use of the Service after an update means you accept the revised Terms. If you do not agree to a change, stop using the Service and cancel your subscription.

• Entire agreement. These Terms and the documents they reference (including the Privacy Policy) are the entire agreement between you and us regarding the Service and supersede any prior agreements on that subject.
• Severability. If any provision is found unenforceable, the rest of the Terms remain in effect, and the unenforceable provision will be limited or removed to the minimum extent necessary.
• No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.
• Assignment. You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, or sale of assets.
• Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control.
• Notices. We may provide notices to you by email or through the Service. You may send notices to us at hello@futurezapp.com.
• Relationship. These Terms do not create any partnership, agency, employment, or fiduciary relationship between you and us.