Terms of Service

These terms form a binding agreement between you and the operator of Thinking Plans ("we", "us") covering the website, the planning engine, generated documents, share links and exports (together, the "Service"). By creating an account or using the Service you accept them. If you are accepting on behalf of an organisation, you confirm you are authorised to bind it.

We publish a version number and effective date on every legal document. Material changes are announced in the product at least 14 days before they take effect, and continuing to use the Service after that date means you accept the revised terms. If you do not accept them, you may close your account and export your content first.

• You must be at least 16 years old, or older where your local law sets a higher age for consenting to online services.
• Students and educational users are welcome. Where an institution provides access, its own policies apply in addition to these terms.
• You are responsible for everything done under your account. Keep your credentials confidential and tell us promptly if you suspect unauthorised access.
• You may not use the Service if you are subject to sanctions that prohibit it, or where the Service is unlawful in your jurisdiction.

You keep all rights in the business facts, uploads, instructions and edits you provide ("Your Content") and in the documents the Service produces for you ("Output"). We claim no ownership of either.

You grant us a limited, non-exclusive, worldwide, royalty-free licence to host, copy, transmit, display and process Your Content and Output solely to operate the Service for you — for example to generate a section, sync your library across your devices, produce an export, or serve a share link you enabled. That licence ends when you delete the content or your account, subject only to backup cycles described in the Privacy Notice.

• We do not use Your Content or Output to train foundation models, and we do not permit our model providers to do so.
• We do not sell Your Content, Output, or personal data, and we do not share them for cross-context behavioural advertising.
• We access Your Content only where you ask us to, where it is necessary to fix a fault you have reported, or where the law compels us.

You are responsible for having the rights to whatever you upload, including third-party material, confidential information and personal data about other people.

The Service uses large language models and live web search to draft documents. This is drafting assistance. It is not legal, financial, tax, accounting, investment, securities or professional advice, and it is not a substitute for a qualified adviser.

• Output may be incomplete, out of date, or confidently wrong. Verify every figure, date, name, citation and legal statement before you rely on it.
• Market signals are drawn from public web sources we do not control and do not vet. Citation of a source is not endorsement of its accuracy.
• Quality scores and critiques are editorial heuristics. A high score is not assurance of accuracy, viability, compliance or investment merit.
• Documents that touch regulated activity — prospectuses, offer documents, fundraising material, licence applications — must be reviewed by a qualified professional in the relevant jurisdiction before use or distribution. You alone are responsible for regulatory compliance.
• Similar prompts may produce similar output for different users. We cannot guarantee that Output is unique or free of third-party rights.

Decisions you take on the basis of Output — raising money, signing leases, hiring, pricing — are yours.

You agree not to use the Service to:

• Produce material that is fraudulent, deceptive, or intended to mislead investors, lenders, regulators or the public.
• Infringe intellectual property, breach confidence, or upload personal data you have no lawful basis to share.
• Generate unlawful, defamatory, harassing, or hateful content, or content that sexualises minors.
• Attempt to extract system prompts, circumvent safety controls, or use the Service to build a competing model or dataset.
• Probe, scrape, overload, or interfere with the Service or its infrastructure, or resell access without our written agreement.
• Share credentials, or use automated means to create accounts or consume generation capacity abusively.

We may apply fair-use limits on generation volume, scan frequency and storage to keep the Service available to everyone. We will tell you if a limit affects you.

When you enable sharing, we publish a read-only copy of that document at an unguessable address. Anyone holding the address can read and download it until you revoke it. A share link is a distribution choice, not an access control: treat it like a document you emailed. Revoking takes effect immediately, but copies already downloaded cannot be recalled.

The Service itself — software, prompts, templates, scoring logic, interface, brand and documentation — remains ours or our licensors'. These terms grant you a personal, non-transferable, revocable licence to use it as intended, and nothing more. You may not copy, decompile or create derivative works of the Service, except where that restriction is unenforceable under applicable law.

We aim for a dependable Service but we do not promise uninterrupted availability. Maintenance, third-party model outages, and search-provider limits can all interrupt generation. Where a feature is withdrawn or materially reduced, we will give reasonable notice in the product and, where practical, a way to export anything affected.

Beta or clearly-labelled experimental features are provided as-is and may change or disappear without notice.

Except where the law says otherwise, the Service and Output are provided "as is" and "as available", without warranties of any kind, whether express, implied or statutory, including merchantability, fitness for a particular purpose, accuracy, and non-infringement.

Nothing in these terms excludes or limits any right you have that cannot lawfully be excluded — including statutory consumer guarantees in your country. Where such rights apply, the disclaimers above are limited to the maximum extent permitted rather than removed.

To the maximum extent permitted by law, neither party is liable for indirect, incidental, special, punitive or consequential loss, or for loss of profit, revenue, goodwill, business opportunity, anticipated savings or data, however caused.

Our total aggregate liability arising out of or relating to the Service in any twelve-month period is limited to the greater of the amounts you paid us for the Service in that period, or one hundred United States dollars (USD 100).

These limits do not apply to liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or to any other liability that cannot lawfully be limited.

You will defend and indemnify us against third-party claims arising from Your Content, from your distribution or use of Output, or from your breach of these terms or of applicable law — including claims by investors, lenders or regulators relating to documents you produced with the Service. This does not apply to the extent the claim results from our own breach or unlawful act.

You may stop using the Service and delete your account at any time from your account page; deletion is immediate and irreversible. Export your data first if you want to keep it.

We may suspend or terminate access where you materially breach these terms, where continued access exposes us or others to legal risk or security harm, or where we are legally required to. Except where the breach is serious or the law forbids notice, we will give you notice and a reasonable chance to put it right, and a window to export your content.

We have not yet designated a single governing jurisdiction for the Service, and we will not assert one against you retroactively. Until we publish one — with notice, in a future version of these terms — each party's rights are governed by the mandatory consumer and contract law that applies where you are resident, and neither party waives the protections of that law.

Before starting formal proceedings, both parties agree to raise the issue in writing and to try in good faith to resolve it within 30 days. Nothing here prevents either party from seeking urgent injunctive relief, or you from complaining to your local consumer or data-protection authority.

You keep any right you have under local law to bring proceedings in your own courts. We do not require you to waive class-action rights or to arbitrate where your law protects those rights.

• If any provision is found unenforceable, the rest continues in force and the provision is read down to the minimum extent necessary.
• Our failure to enforce a provision is not a waiver of it.
• You may not assign these terms without our consent; we may assign them to a successor of our business, with notice to you.
• These terms, together with the Privacy Notice and Cookie Notice, are the entire agreement between us about the Service.

Questions about these terms, or notices of alleged infringement, can be raised through the contact route published in the product. We answer legal correspondence within 30 days.