Terms of Use

These Terms of Use ("Terms") are a binding agreement between you and The Forever Company, LLC, operator of PlanScore ("PlanScore," "we," "us," or "our"). By accessing or using the website, advisor workspace, demonstration environment, or related services (collectively, the "Service"), you agree to these Terms.

If you use the Service on behalf of a firm or organization, you represent that you have authority to bind it. An executed order form, subscription agreement, data-processing agreement, or other written agreement controls over these Terms to the extent of a conflict.

PlanScore provides advisor-led tools for collecting planning facts, applying a configurable scoring framework, drafting observations and recommendations, preparing proposals and plans, and producing reviewed client deliverables. Features may include AI-assisted drafting, document processing, meetings, email delivery, and collaboration.

We may improve or modify features over time. Material reductions to a paid customer's contracted Service are governed by the applicable order form and Service Level Agreement.

AI-generated and system-generated content may be incomplete, inaccurate, or inappropriate for a particular client. A qualified professional must independently review, verify, edit, and approve all facts, analyses, recommendations, calculations, disclosures, plans, and proposals before relying on or delivering them.

You remain solely responsible for professional judgment, suitability, regulatory compliance, required disclosures, client communications, and any advice or service provided to a client.

You agree to:

• Provide accurate account and firm information;
• Maintain the confidentiality of credentials and use multi-factor authentication when available;
• Permit access only to authorized users with a legitimate business need;
• Promptly notify us of suspected compromise or unauthorized use; and
• Comply with applicable professional, privacy, securities, consumer protection, recordkeeping, and marketing laws.

You are responsible for activity under your account except to the extent caused by PlanScore's breach of its obligations.

As between the parties, you or your firm retain ownership of content submitted to the Service ("Customer Data"). You grant us a limited right to host, process, transmit, reproduce, and display Customer Data solely to provide, secure, and support the Service and comply with law.

You represent that you have the rights, notices, and consents needed to submit Customer Data. You must not submit information that is prohibited by your firm's policies or applicable law.

We will protect Customer Data as confidential information and use it only for authorized purposes. Our handling practices are described in the Privacy Policy and Security & Compliance page.

PlanScore's review gates are a core feature of the Service. You may not circumvent controls intended to require human review, authorization, required disclosures, or delivery approval. A status, score, or generated document does not establish that content is accurate, compliant, or suitable.

You are responsible for confirming client identity, source data, assumptions, calculations, product information, fees, conflicts, and all mandatory disclosures before release.

PlanScore may issue a single-use link to a temporary demonstration session. Each link is personal to the recipient, may be redeemed once, and expires as stated in the invitation. A redeemed demo session lasts no more than 60 minutes and may be ended sooner for security or abuse prevention.

• Use the demo solely to evaluate PlanScore for legitimate business purposes.
• Do not enter real client, personal, regulated, proprietary, or confidential information.
• Do not share, sell, automate, scrape, or attempt to reuse a demo token.
• Do not remove or obscure the "For Demonstration Purposes Only" watermark.
• Do not rely on sample plans, proposals, scores, or other demo output for any client or real-world decision.

Demo data is fictitious, may reset without notice, and is deleted after the short retention window described in our Privacy Policy.

You may not:

• Access the Service unlawfully or in violation of another person's rights;
• Probe, scan, defeat, or interfere with security, authentication, tenant isolation, rate limits, or technical restrictions;
• Upload malware or use the Service to generate or distribute harmful, deceptive, discriminatory, or illegal content;
• Reverse engineer, copy, frame, resell, sublicense, or commercially exploit the Service except as expressly permitted in writing;
• Use automated means to extract data or place unreasonable load on the Service; or
• Use Service output to train a competing model, product, or service without written permission.

We and our licensors own the Service, software, interfaces, designs, workflows, scoring frameworks supplied by us, documentation, trademarks, and related intellectual property. Except for the limited right to use the Service during an authorized term, no rights are granted by implication.

If you provide feedback, you grant us a perpetual, worldwide, royalty-free right to use it without identifying you or disclosing Customer Data.

Paid terms, renewal, taxes, and cancellation are stated in the applicable order form. We may suspend access where reasonably necessary to address a security threat, unlawful use, material breach, nonpayment, or risk to the Service or another customer. When practical, we will give notice and limit suspension to the affected portion.

Upon termination, access ends and Customer Data is handled according to the applicable agreement and Privacy Policy. Provisions that by their nature should survive—including ownership, confidentiality, disclaimers, limitations, and dispute terms—will survive.

The Service may interoperate with customer-selected or third-party products. Third-party terms and privacy practices govern those products. We are not responsible for a third-party service outside our reasonable control, but remain responsible for subprocessors as required by our agreement with you.

We warrant that the paid Service will perform materially in accordance with its documentation and that we will provide it with commercially reasonable care. Your exclusive remedy for breach of this warranty is correction or, if we cannot materially correct the issue, termination of the affected Service and a prorated refund of prepaid unused fees.

EXCEPT FOR EXPRESS WARRANTIES IN A WRITTEN AGREEMENT, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT OUTPUT WILL BE ERROR-FREE OR APPROPRIATE FOR ANY CLIENT.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR LOST PROFITS, REVENUE, GOODWILL, OR BUSINESS OPPORTUNITIES, EVEN IF ADVISED OF THEIR POSSIBILITY.

EXCEPT FOR AMOUNTS THAT CANNOT LAWFULLY BE LIMITED, EACH PARTY'S AGGREGATE LIABILITY ARISING FROM THE SERVICE WILL NOT EXCEED THE FEES PAID OR PAYABLE FOR THE AFFECTED SERVICE DURING THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY. Demo use is provided without charge and our aggregate liability for demo access will not exceed one hundred U.S. dollars.

You will defend and indemnify PlanScore and The Forever Company, LLC against third-party claims arising from Customer Data, your professional services or advice, your violation of law, or your material breach of these Terms. We will defend and indemnify a paid customer against a third-party claim that the unmodified Service infringes a United States patent, copyright, or trademark, subject to customary exclusions and procedures in the applicable agreement.

Unless an executed agreement states otherwise, these Terms are governed by the laws of the State of Wyoming, without regard to conflict-of-law rules. The state and federal courts with jurisdiction over The Forever Company, LLC's principal place of business will have exclusive jurisdiction, and each party consents to venue there.

We may update these Terms by posting a revised version and changing the effective date. If a change materially affects a paid customer, any additional notice or timing in the applicable agreement will apply. Continued use after the effective date constitutes acceptance.

Questions about these Terms may be sent to legal@planscore.com.