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Terms of Service

Last updated: February 19, 2026

1. Agreement to Terms

By accessing or using Checks & Balances AI ("the Service") at checksbalances.ai, you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these Terms, you do not have permission to access the Service.

2. Description of Service

Checks & Balances AI is an AI-powered strategic planning platform that helps users develop business strategies using conversational AI agents. The Service provides tools for strategic analysis, planning frameworks, and decision support based on established methodologies.

3. User Accounts

To use certain features of the Service, you must:

  • Create an account with accurate and complete information
  • Be at least 18 years old
  • Maintain the security of your account credentials
  • Notify us immediately of any unauthorized access

You are responsible for all activities that occur under your account. We reserve the right to suspend or terminate accounts that violate these Terms.

4. Acceptable Use

You agree not to:

  • Use the Service for any illegal or unauthorized purpose
  • Attempt to gain unauthorized access to the Service or its systems
  • Interfere with or disrupt the Service or servers
  • Upload malicious code, viruses, or harmful content
  • Scrape, data mine, or extract data from the Service without permission
  • Impersonate any person or entity
  • Use the Service to generate content that is illegal, harmful, or violates third-party rights
  • Resell or redistribute the Service without authorization

5. Intellectual Property

5.1 Our Intellectual Property

The Service, including its original content, features, and functionality, is owned by Checks & Balances AI and protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express permission.

5.2 Your Content

You retain ownership of any content you create using the Service (strategies, plans, documents). By using the Service, you grant us a limited license to store, process, and display your content as necessary to provide the Service.

6. AI-Generated Content

The Service uses artificial intelligence to generate strategic recommendations and content. You acknowledge that:

  • AI-generated content is provided for informational purposes and should not be the sole basis for business decisions
  • You are responsible for reviewing and validating any AI-generated recommendations before implementation
  • AI outputs may contain errors, inaccuracies, or biases
  • We do not guarantee the accuracy, completeness, or suitability of AI-generated content for any particular purpose

7. Payment and Billing

Some features of the Service may require payment. If you subscribe to a paid plan:

  • You agree to pay all applicable fees as described at the time of purchase
  • Payments are non-refundable except as required by law or as stated in our refund policy
  • We may change pricing with reasonable notice
  • Failure to pay may result in suspension or termination of your account

8. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

  • MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE
  • NON-INFRINGEMENT
  • ACCURACY OR RELIABILITY OF AI-GENERATED CONTENT
  • UNINTERRUPTED OR ERROR-FREE OPERATION

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CHECKS & BALANCES AI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES, ARISING FROM YOUR USE OF THE SERVICE.

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

10. Indemnification

You agree to indemnify and hold harmless Checks & Balances AI and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorney fees) arising from your use of the Service or violation of these Terms.

11. Termination

We may terminate or suspend your access to the Service immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

You may terminate your account at any time by contacting us. Upon termination, your right to use the Service will cease immediately, though certain provisions of these Terms will survive.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on the Service and updating the "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the new Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

14. Dispute Resolution

Any disputes arising from these Terms or the Service shall first be attempted to be resolved through good-faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

16. Contact Us

If you have questions about these Terms, please contact us at:

Checks & Balances AI
Email: legal@checksbalances.ai

© 2026 Checks & Balances AI. All rights reserved.