Terms of Service

These Terms of Service (the “Terms”) are a binding agreement between you and Prudence AI, LLC (“Prudence,” “we,” “us,” or “our”) governing your access to and use of the Prudence Report websites, applications, reports, audio, research, and related services (collectively, the “Service”).

By creating an account, accepting an invitation, purchasing or using a report or credit, submitting materials, or otherwise using the Service, you agree to these Terms and acknowledge our Privacy Policy. If you use the Service for an organization, you represent that you have authority to bind that organization, and “you” includes that organization. If you do not agree, do not use the Service.

You must be at least 18 years old and legally able to enter into a contract. You must provide accurate account information, protect access to your email and account, and promptly tell us about suspected unauthorized use. You are responsible for activity conducted through your account and for ensuring that your organization’s users comply with these Terms.

Organization owners and administrators control membership and access. Content available to an organization may be visible to its authorized members according to their roles. You are responsible for inviting the correct people and maintaining appropriate permissions.

Prudence Report is an AI-assisted research and analysis product. It can organize submitted materials, gather and summarize information, identify issues, and generate written, audio, or other outputs. The Service uses probabilistic systems and third-party sources. Outputs may be incomplete, outdated, misleading, or wrong, and may omit important facts or present unsupported conclusions.

The Service does not provide legal, investment, financial, tax, accounting, employment, medical, cybersecurity, or other professional advice. Prudence is not your adviser, broker, fiduciary, attorney, accountant, or agent. No report, score, summary, citation, recommendation, or other output is a promise of an outcome or a substitute for qualified professional advice, direct diligence, or your own judgment.

You are solely responsible for reviewing outputs, checking sources and material facts, obtaining advice appropriate to your situation, and deciding whether and how to act. Do not rely on the Service as the sole basis for an investment, acquisition, employment, credit, housing, insurance, legal, safety-critical, or similarly consequential decision.

The Service necessarily sends submitted content and related instructions to AI model providers and may use other vendors for search, document extraction, hosting, storage, security, email, payments, and operations. Those providers process information on our behalf to operate the Service. Our Privacy Policy describes these practices and the limits of zero-data-retention and similar arrangements.

By submitting content for analysis, you instruct and authorize us to process it and disclose it to those service providers for the purposes of providing, securing, and supporting the Service. Do not submit content that you are not authorized to disclose or have processed in this way.

“Customer Content” means information, files, prompts, project details, feedback, and other materials that you or your organization submit to the Service. As between you and Prudence, you retain your rights in Customer Content. You grant us a limited, worldwide, non-exclusive license to host, copy, transmit, transform, analyze, and otherwise process Customer Content only as reasonably needed to operate, secure, support, and improve the Service, comply with law, and enforce these Terms, in each case subject to the Privacy Policy.

You represent and warrant that:

• you have all rights, permissions, notices, and lawful bases needed to submit and process Customer Content;
• Customer Content and your instructions do not violate law, contract, confidentiality duties, privacy rights, intellectual-property rights, or another person’s rights; and
• you will not submit credentials, payment-card security codes, highly sensitive identifiers, protected health information, or other data that the Service is not designed to receive.

You are responsible for the legality, accuracy, quality, and backup of Customer Content and for responding to people whose information you submit. Removing content from the Service may not immediately remove transient copies, backups, or copies held under a provider’s lawful retention requirements.

Subject to these Terms and applicable law, you may use outputs generated for you for your internal business or personal purposes. Similar or identical outputs may be generated for others, and AI-generated material may not qualify for intellectual-property protection. Outputs may also contain third-party material or factual information in which neither you nor Prudence owns rights.

Prudence and its licensors retain all rights in the Service, including its software, workflows, designs, templates, branding, models, compilations, and underlying technology. Except for the limited right to use the Service under these Terms, no rights are transferred to you. If you provide product feedback, you permit us to use it without restriction or compensation, but not to identify you publicly without permission.

You may not use the Service to:

• break the law, facilitate harm, fraud, deception, or harassment;
• violate privacy, confidentiality, publicity, intellectual-property, or contractual rights;
• make a fully automated high-impact decision about another person in employment, credit, housing, insurance, education, healthcare, or a similar area;
• upload malware, probe or bypass security, disrupt the Service, or gain unauthorized access;
• scrape, reverse engineer, resell, sublicense, or use the Service to build or train a competing product except where law expressly permits; or
• misrepresent AI-generated content as independently verified or as a statement made by Prudence about a person or company.

We may investigate suspected misuse and remove content, restrict access, or suspend or terminate accounts when reasonably necessary to protect the Service, users, third parties, or Prudence.

Prices, included features, revision allowances, and other purchase terms shown at checkout form part of these Terms. You authorize us and our payment processor to charge the selected payment method. Fees are stated exclusive of taxes unless indicated otherwise, and you are responsible for applicable taxes.

Except where the checkout terms or applicable law provide otherwise, purchases are final and non-refundable once processing or report generation begins. Report credits are limited contractual rights to request eligible services; they are not money, stored value, or property, have no cash value, and may not be transferred or resold. We may reject suspected payment abuse or correct pricing and billing errors.

We do not sell Customer Content or personal information and do not disclose it for cross-context behavioral advertising. We use and disclose information as described in the Privacy Policy, including to service providers that operate the Service and when required by law. No internet service or contractual safeguard can guarantee absolute security or confidentiality.

We may add, change, suspend, or discontinue features, providers, limits, or the Service. We do not guarantee that the Service or any particular output format, source, provider, or feature will always be available. We may terminate or suspend access for breach, security risk, legal requirement, nonpayment, or material harm to the Service or others.

You may stop using the Service at any time. Provisions that by their nature should survive—including payment obligations, ownership, disclaimers, limitations of liability, indemnity, and dispute terms—will survive termination.

To the fullest extent permitted by law, the Service and all outputs are provided “as is” and “as available.” Prudence disclaims all express, implied, and statutory warranties, including warranties of accuracy, completeness, timeliness, merchantability, fitness for a particular purpose, title, non-infringement, quiet enjoyment, and results. We do not warrant that outputs will be correct or useful, that sources will remain available, that errors or harmful components will be absent, or that the Service will be uninterrupted or secure.

Third-party content, public sources, links, AI services, and other providers are outside our control. Prudence is not responsible for their content, availability, retention, security, or conduct. Some jurisdictions do not allow certain disclaimers, so some of these limits may not apply to you.

To the fullest extent permitted by law, Prudence and its affiliates, officers, employees, contractors, licensors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenue, business, opportunities, goodwill, data, or anticipated savings, arising from or related to the Service—even if advised that such damages are possible.

To the fullest extent permitted by law, their total aggregate liability for all claims arising from or related to the Service will not exceed the greater of (a) US $100 or (b) the amount you paid Prudence for the Service during the 12 months before the event giving rise to the claim. These limitations apply to all theories of liability and allocate risk between you and Prudence. They do not limit liability that cannot lawfully be limited.

To the extent permitted by law, you will defend, indemnify, and hold harmless Prudence and its affiliates, officers, employees, and contractors from claims, losses, liabilities, damages, judgments, costs, and reasonable attorneys’ fees arising from your Customer Content, your use or misuse of the Service or outputs, your violation of these Terms, or your violation of another person’s rights. We may control the defense of a covered matter, and you will reasonably cooperate. You may not settle a claim in a way that admits fault by or imposes obligations on Prudence without our written consent.

Before filing a formal claim, you and Prudence agree to make a good-faith effort for 30 days to resolve the dispute after written notice. These Terms are governed by the laws applicable where Prudence is organized, without regard to conflict-of-laws rules, and disputes must be brought in a court with jurisdiction over Prudence’s principal place of business, except where applicable law requires otherwise.

Neither party is liable for delay caused by events beyond its reasonable control. You may not assign these Terms without our written consent; we may assign them in connection with a reorganization, financing, merger, sale, or transfer of the Service. If a provision is unenforceable, it will be modified only as much as needed and the rest will remain effective. A waiver must be in writing. These Terms, the Privacy Policy, and any checkout-specific terms are the entire agreement about the Service and supersede prior discussions on that subject.

We may update these Terms. We will post the revised version and update the effective date, and will provide additional notice or seek consent when required by law or when a change materially affects existing users. Continued use after updated Terms take effect means you accept them.

Questions or legal notices may be sent to hello@prudence.report.