Terms of Service
These Terms of Service ("Terms") govern your access to and use of ClearPlan (the "Service"). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
1. The Service
ClearPlan is a software-as-a-service tool that helps financial advisors generate one-page client summaries from inputs they enter. ClearPlan is not a financial advisor, broker, custodian, or registered investment adviser. ClearPlan does not provide investment advice. The outputs of the Service are tools that you use in the exercise of your own professional judgment.
2. Eligibility
You must be at least 18 years old and authorized under applicable law to provide financial-planning or advisory services in the jurisdictions where you and your clients are located. By using the Service, you represent that you meet these requirements.
3. Account registration
You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. Notify us immediately at hello@getclearplan.com of any unauthorized use.
4. Subscription, billing, and renewal
- Free tier. The Free tier permits a limited number of plans per calendar month, currently three (3). Limits may change from time to time on prior notice.
- Advisor tier. The Advisor tier currently costs $49 per month or $39 per month when billed annually. Subscriptions auto-renew at the end of each billing period unless you cancel.
- Cancellation. You can cancel at any time. Cancellation stops future billing; you retain access through the end of the current paid period.
- Refunds. Subscription fees are non-refundable except where required by law or as described in our refund policy at the time of purchase.
- Price changes. We may change subscription prices on at least 30 days' notice. The new price applies to your next renewal.
- Taxes. Prices do not include applicable taxes, which you are responsible for.
5. Acceptable use
You agree not to:
- Use the Service in violation of any law, regulation, or third-party right;
- Enter Social Security numbers, government IDs, account numbers, custodian credentials, or other restricted personal information into the Service (these fields do not exist in the Service and entering such data in free-text fields is prohibited);
- Attempt to access another user's account or data, including by exploiting any vulnerability;
- Reverse-engineer, decompile, or attempt to extract source code, except where applicable law permits;
- Use the Service to send spam or to misrepresent the origin or authorship of any communication;
- Resell, sublicense, or distribute the Service to third parties without our written agreement.
6. Your content
You retain all rights in the firm details, plan content, logos, and other materials you submit ("Customer Content"). You grant ClearPlan a worldwide, non-exclusive, royalty-free license to host, store, and display Customer Content as necessary to provide the Service. We do not use Customer Content to train AI models or for any purpose other than operating the Service for you.
You are responsible for the accuracy, legality, and appropriateness of Customer Content and for ensuring you have all necessary rights and permissions to enter it into the Service. Where Customer Content includes information about your end clients, you are the data controller for that information and ClearPlan acts as a data processor on your instructions, as set out in our Data Processing Addendum.
7. Our content and intellectual property
ClearPlan, the underlying software, the user interface, the documentation, and all related materials are owned by ClearPlan or its licensors and are protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes during your subscription.
8. Privacy and security
Our handling of personal information is described in our Privacy Policy and our Security & Privacy page. By using the Service you consent to the processing described there.
9. Suspension and termination
We may suspend or terminate your access if you violate these Terms, if your account becomes a security risk, if required by law, or if you fail to pay amounts due. We will give reasonable notice where practical. You may terminate at any time by deleting your account through Firm Setup or by emailing us. On termination, your data will be deleted in accordance with our Privacy Policy.
10. Disclaimers
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. CLEARPLAN DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE FROM HARMFUL COMPONENTS. CLEARPLAN DOES NOT PROVIDE INVESTMENT ADVICE OR FINANCIAL-PLANNING ADVICE; THE SERVICE IS A TOOL THAT YOU USE IN THE EXERCISE OF YOUR OWN PROFESSIONAL JUDGMENT.
11. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CLEARPLAN AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. CLEARPLAN'S AGGREGATE LIABILITY ARISING OUT OF OR IN CONNECTION WITH THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO CLEARPLAN IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR (B) ONE HUNDRED U.S. DOLLARS.
12. Indemnification
You agree to defend, indemnify, and hold harmless ClearPlan from any claim, demand, loss, or expense (including reasonable attorneys' fees) arising out of (a) your breach of these Terms, (b) your violation of applicable law or third-party rights, or (c) your use of the Service in connection with end clients, including any allegation that your handling of end-client information was non-compliant.
13. Modifications
We may update these Terms from time to time. Material changes will be communicated by email to active subscribers at least 14 days before taking effect. Continued use of the Service after a change constitutes acceptance.
14. Governing law and disputes
These Terms are governed by the laws of [STATE], without regard to conflict-of-law principles. Any dispute arising out of these Terms will be resolved exclusively in the state or federal courts located in [COUNTY, STATE], and the parties consent to personal jurisdiction there. To the extent permitted by law, you waive any right to a jury trial and to participate in any class action.
15. Miscellaneous
If any provision of these Terms is held unenforceable, the remaining provisions remain in effect. Our failure to enforce any provision is not a waiver. You may not assign these Terms without our written consent; we may assign them in connection with a sale, merger, or reorganization. These Terms (together with the Privacy Policy and DPA) constitute the entire agreement between you and ClearPlan with respect to the Service.
16. Contact
Questions about these Terms: hello@getclearplan.com.