Terms of Service

Last updated: [DATE]

These Terms of Service (“Terms”) are an agreement between you and [LEGAL ENTITY NAME, ABN XX XXX XXX XXX] (“Compound Brain”, “we”, “us”), the operator of the Compound Brain website at compoundbrain.app and the Compound Brain iOS and Android applications (together, the “Service”). By creating an account or using the Service you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

1. The Service

Compound Brain is a personal organisation tool: finances and net-worth tracking, habits, goals, journaling, calendar, to-dos, nutrition tracking and an AI assistant. It is provided for personal, non-commercial use. We may add, change or remove features from time to time. During the beta period some features may be incomplete or change without notice.

2. Eligibility and your account

You must be at least 18 years old to use the Service. You are responsible for keeping your login credentials secure and for all activity under your account. You must give us accurate information and keep it up to date. You may delete your account at any time from Settings; deletion permanently removes your content as described in the Privacy Policy.

3. Subscriptions, trials and billing

The Service is offered on a paid subscription (monthly or yearly) after a free trial. The current prices, in Australian dollars and inclusive of GST, are shown on our pricing page and at the point of purchase. Unless you cancel, subscriptions renew automatically at the end of each billing period at the then-current price, and you will be charged at each renewal. We will give you reasonable advance notice of any price increase before it applies to you.

You can cancel at any time, and cancelling is no harder than signing up: cancellation takes effect at the end of the current billing period and you keep access until then. If you purchased through the Apple App Store or Google Play, the purchase is processed by Apple or Google under their terms, and you manage or cancel the subscription through your App Store or Google Play account settings.

Nothing in this clause limits your rights under the Australian Consumer Law, including your right to a remedy (such as a refund) if the Service fails to meet a consumer guarantee.

4. AI assistant — general information only

The AI assistant generates responses using your data and a third-party large-language-model provider (currently Anthropic). AI output can be wrong, incomplete or out of date. It is general information only. It is not financial advice, investment advice, tax advice, legal advice, medical advice or dietary advice, and it does not take your personal objectives, financial situation or needs into account. Do not rely on it for financial, health or legal decisions — consult a licensed professional. We do not hold an Australian Financial Services Licence and nothing in the Service is a recommendation to acquire or dispose of any financial product.

5. Your content

You own the content you put into the Service (journal entries, financial records, goals, habits, photos and other material). You grant us a limited licence to host, store, process, transmit and display that content solely to operate, secure and improve the Service for you — including sending relevant parts of it to the third-party processors described in the Privacy Policy (for example, the AI provider when you use the assistant). We do not sell your content and we do not use it to train AI models.

6. Acceptable use

You must not: use the Service for unlawful purposes; attempt to gain unauthorised access to any account, system or data; probe, scan, overload or disrupt the Service; scrape or bulk-extract data; reverse engineer the Service except as permitted by law; resell or provide the Service to third parties; or use the AI assistant to generate unlawful or harmful content. We may suspend or terminate accounts that breach this clause.

7. Third-party services and content

The Service can connect to third-party services you choose to link (such as Google Calendar, Microsoft Calendar and Fitbit). Your use of those services is governed by their own terms, and we are not responsible for them. News headlines shown in the Service are sourced from publishers’ public RSS feeds, remain the property of those publishers, and link to the original article.

8. Intellectual property

The Service, including its software, design and branding, is owned by us or our licensors. These Terms do not transfer any of our intellectual property to you. We grant you a personal, non-exclusive, non-transferable licence to use the apps and website to access the Service while you have an account in good standing.

9. Availability, data and backups

We aim for high availability but do not guarantee the Service will be uninterrupted or error-free. You are responsible for keeping independent records of critical information (for example, financial records you need for tax purposes). To the extent permitted by law, we are not liable for loss of data caused by events outside our reasonable control.

10. Consumer guarantees and liability

Our goods and services come with guarantees that cannot be excluded under the Australian Consumer Law. Nothing in these Terms excludes, restricts or modifies those guarantees or any other right you have under law that cannot be excluded. Subject to that: to the maximum extent permitted by law, we exclude all other warranties, and our total liability to you in connection with the Service is limited to re-supplying the Service or the amount you paid us in the 12 months before the claim; and we are not liable for indirect or consequential loss, loss of profits, or losses arising from decisions you make in reliance on information (including AI output) in the Service.

11. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate your account if you materially breach these Terms, if required by law, or if we discontinue the Service — in the case of discontinuation we will give you reasonable notice and a pro-rata refund of any unused prepaid period.

12. Changes to these Terms

We may update these Terms from time to time. If a change materially reduces your rights we will notify you (by email or in-app) at least 14 days before it takes effect. Continuing to use the Service after a change takes effect means you accept the updated Terms.

13. Governing law and contact

These Terms are governed by the laws of [STATE], Australia, and disputes are subject to the non-exclusive jurisdiction of the courts of [STATE]. Questions or complaints: compoundbrain@proton.me.