Core Platform Features

• • AI-Powered Personal Assistant: Advanced conversational AI providing personalized coaching, insights, and recommendations
• • Comprehensive Health Tracking: Fitness monitoring, nutrition logging, sleep analysis, and wellness metrics
• • Productivity Management: Task organization, calendar integration, habit tracking, and goal setting
• • Life Aspect Integration: Unified dashboard connecting health, productivity, finances, and personal development
• • Data Analytics and Insights: Personalized reports, trend analysis, and predictive recommendations

Subscription Tiers

Account Creation and Management

• • You must be at least 13 years old to create an account (18+ for full feature access)
• • Provide accurate, complete, and current information during registration
• • Maintain the accuracy of your account information and update it promptly when changes occur
• • You may not create multiple accounts or share your account with others
• • Account usernames and profile information must comply with our community guidelines

Account Security and Access

• • Maintain the confidentiality and security of your login credentials
• • Use strong, unique passwords and enable two-factor authentication when available
• • Immediately notify us of any unauthorized access or security breaches
• • You are fully responsible for all activities that occur under your account
• • We reserve the right to suspend accounts showing suspicious or unauthorized activity

Data Accuracy and Health Information

• • You are responsible for the accuracy of all health and personal data you input
• • Our platform provides informational insights only and is not a substitute for professional medical advice
• • Consult healthcare professionals for medical decisions and health-related concerns
• • We do not verify or validate the health information you provide

Permitted Uses

• • Personal wellness and productivity tracking for legitimate self-improvement purposes
• • Professional task and calendar management for business and personal organization
• • Educational use and skill development through AI-powered insights
• • Health and fitness monitoring for personal wellness goals
• • Data analysis and trend tracking for personal optimization

Prohibited Activities

You agree not to use the Service to:

• • Engage in any illegal activities or violate any applicable laws or regulations
• • Infringe upon intellectual property rights of Expert Chase or third parties
• • Harass, abuse, threaten, or discriminate against other users or individuals
• • Submit false, misleading, or fraudulent information
• • Attempt to gain unauthorized access to our systems, networks, or other users' accounts
• • Use automated systems, bots, or scripts to access or interact with the Service
• • Reverse engineer, decompile, or attempt to extract source code from our platform
• • Distribute malware, viruses, or other harmful software through the Service
• • Use the Service for commercial purposes without explicit written permission
• • Share inappropriate, offensive, or harmful content through the platform

Content Standards

• • All user-generated content must comply with applicable laws and regulations
• • Content must not violate the rights of others or contain defamatory material
• • Respect the privacy and confidentiality of other users
• • We reserve the right to monitor and moderate content for policy violations

Subscription Plans and Billing

• • Subscription fees are billed in advance on a recurring monthly or annual basis
• • All fees are non-refundable except as required by applicable law
• • Prices may change with 30 days' advance notice to subscribers
• • Failed payments may result in service suspension or account termination
• • You may cancel your subscription at any time through your account settings

Usage Limits and Fair Use

• • Free users are limited to 30 AI interactions per month
• • Premium users have unlimited access to all features within reasonable usage limits
• • We reserve the right to implement fair use policies to prevent abuse
• • Excessive usage that impacts service performance may be subject to limitations

Refunds and Cancellations

• • Cancellations take effect at the end of the current billing period
• • No partial refunds for unused portions of subscription periods
• • Refunds may be provided at our discretion for technical issues or service failures
• • Disputed charges should be reported within 60 days of billing

AI Assistant Capabilities and Limitations

• • Our AI provides general information, insights, and guidance based on available data
• • AI responses are not professional medical, legal, financial, or therapeutic advice
• • We do not guarantee the accuracy, completeness, or reliability of AI-generated content
• • You remain fully responsible for decisions based on AI recommendations
• • AI capabilities may vary and improve over time through updates and training

Content Responsibility and Moderation

• • You are responsible for all content you input into the system
• • We may monitor conversations and content for inappropriate use and policy violations
• • We reserve the right to remove content that violates these Terms
• • AI-generated content is for informational and educational purposes only
• • We do not endorse or take responsibility for AI-generated recommendations

Google Calendar Integration

• • Calendar integration requires your explicit consent and authorization
• • We access only the calendar data you specifically authorize
• • You can revoke access at any time through your Google account settings
• • Google's terms of service and privacy policy apply to calendar data

Payment Processing

• • Stripe processes all payment transactions on our behalf
• • We do not store or have access to your complete payment card information
• • Stripe's terms of service and privacy policy apply to payment processing
• • We are not responsible for Stripe's services or payment processing issues

Other Third-Party Services

• • Additional integrations may be available with your consent
• • Third-party services are governed by their own terms and privacy policies
• • We are not responsible for the availability or functionality of third-party services
• • Integration failures or service interruptions may affect platform functionality

Our Intellectual Property

• • The Expert Chase platform, technology, and all related content are our exclusive property
• • Our trademarks, logos, service marks, and branding are protected intellectual property
• • The underlying software, algorithms, and AI models are proprietary and confidential
• • You may not copy, modify, distribute, or create derivative works without written permission
• • Any unauthorized use of our intellectual property may result in legal action

Your Content and Data Rights

• • You retain ownership of your personal data and content submitted to the platform
• • You grant us a limited license to use your data to provide and improve our services
• • You may export your data at any time through your account settings
• • We do not claim ownership of your personal information or user-generated content
• • Your data rights are further detailed in our Privacy Policy

Termination by You

• • You may cancel your account at any time through your account settings
• • Account cancellation takes effect immediately upon confirmation
• • Your data will be deleted according to our data retention policy
• • Subscription refunds are provided only as required by applicable law
• • You may export your data before account deletion

Termination by Expert Chase

We may terminate or suspend your account immediately, with or without notice, for:

• • Violation of these Terms of Service or our Privacy Policy
• • Non-payment of subscription fees or fraudulent payment activity
• • Extended periods of account inactivity (12+ months)
• • Security concerns or suspected unauthorized access
• • Legal requirements or regulatory compliance
• • Abuse of platform resources or violation of fair use policies

Effects of Termination

• • Immediate loss of access to all platform features and services
• • Data deletion according to our retention policy (typically within 30 days)
• • No refunds for unused subscription periods unless required by law
• • Survival of certain provisions including intellectual property and limitation of liability

Service Disclaimers

• • We do not guarantee uninterrupted or error-free service operation
• • AI-generated content may contain inaccuracies or be inappropriate for your situation
• • Health and wellness features are for informational purposes only
• • We do not warrant the accuracy or completeness of any data or insights
• • Third-party integrations may be subject to service interruptions

Limitation of Damages

• • Our total liability shall not exceed the amount paid for the Service in the 12 months preceding the claim
• • This limitation applies regardless of the legal theory of liability
• • Some jurisdictions do not allow limitation of certain damages, so limitations may not apply to you
• • You acknowledge that these limitations are reasonable and necessary for our business model

Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles. Any legal action or proceeding arising under these Terms will be brought exclusively in the federal or state courts located in Delaware.

Dispute Resolution Process

• • We encourage informal resolution of disputes through direct communication
• • Formal disputes must be filed within one year of the incident giving rise to the claim
• • You waive any right to participate in class action lawsuits against Expert Chase
• • Binding arbitration may be required for certain types of disputes
• • Small claims court proceedings are permitted for qualifying disputes

Notification of Changes

• • We will notify you of material changes to these Terms via email or platform notification
• • Changes become effective 30 days after notification unless otherwise specified
• • Your continued use of the Service constitutes acceptance of updated Terms
• • You may reject changes by canceling your account before the effective date

Types of Changes

• • Material changes affecting user rights, obligations, or service functionality
• • New fees, charges, or changes to existing pricing structures
• • Modifications to data handling practices or privacy protections
• • Changes required by law, regulation, or legal proceedings

General Inquiries

Business Information

Response Times

• • General inquiries: Response within 48 hours
• • Technical support: Response within 24 hours
• • Legal matters: Response within 5 business days
• • Emergency security issues: Immediate response

Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, the remaining provisions will remain in full force and effect. The unenforceable provision will be replaced with an enforceable provision that most closely reflects the original intent.

Entire Agreement

These Terms of Service, together with our Privacy Policy and any additional terms applicable to specific features, constitute the entire agreement between you and Expert Chase regarding the Service, superseding any prior agreements, understandings, or representations.

Assignment and Transfer

You may not assign or transfer your rights under these Terms without our written consent. We may assign our rights and obligations under these Terms without restriction, including in connection with a merger, acquisition, or sale of assets.