Terms of Service
Last Updated: May 25, 2026
1. Agreement to Terms
By accessing and using FI-Journey ("the Service"), you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access the Service.
Age Restriction: You must be at least 18 years old to use this Service. By agreeing to these Terms, you represent and warrant that you are at least 18 years of age.
2. No Financial Advice
The Service is a financial simulation and education tool provided strictly for informational purposes. It is not a financial advisor, planner, or broker. We do not act as your fiduciary, and no fiduciary relationship is created between you and us. The outcomes generated by the Service are hypothetical estimates based on user inputs and assumptions. They do not guarantee future results. You should consult with a qualified professional before making any financial decisions.
3. Subscriptions
Pro tier subscriptions are billed on a monthly basis. You may cancel your subscription at any time via your Profile page. Refunds are handled in accordance with our refund policy.
4. Fair Use & Service Limits
Several features of the Service — most notably the AI Advisor — rely on third-party compute that we pay for on your behalf. To keep the Service sustainable and available to all paying users, the Service applies the following limits:
- AI Advisor is a Pro-only feature. Free-tier accounts do not include AI Advisor access. Pro-tier accounts receive a generous per-calendar-month allowance of AI Advisor activity, which refreshes on the 1st of each UTC calendar month.
- Automatic model substitution. Once an account has consumed a substantial portion of its monthly allowance, the Service may automatically route the advisor to a faster, lighter AI model with the same feature set but reduced capacity for long-form reasoning. Crossing a higher threshold may route the advisor to the lightest available model for the remainder of the month. You will see an in-product notice when this occurs.
- Operational throttling. The Service may temporarily rate-limit, queue, or decline requests that we believe — in our reasonable judgment — are automated, abusive, or otherwise inconsistent with normal personal use.
- Right to revise. We may revise the specific allowances, thresholds, and substitution models from time to time to reflect changes in pricing from our AI providers or to balance load across the user base. Material changes will be reflected on the Pricing page. Changes are not retroactive to usage that has already occurred.
These mechanisms are an inherent part of the Service and are not a defect, outage, or breach of these Terms. They do not entitle you to a refund, but they also do not remove any feature you paid for — your access continues for the full billing period regardless of which AI model is actively serving your requests.
5. Limitation of Liability
To the maximum extent permitted by law, FI-Journey and its creators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of the Service; (ii) any calculation errors, software bugs, or algorithmic inaccuracies in the simulations; or (iii) any unauthorized access to or use of our servers and/or any personal information stored therein.
WE SHALL NOT BE HELD LIABLE FOR ANY DATA BREACHES, UNAUTHORIZED ACCESS, OR LOSS OF PERSONAL INFORMATION, REGARDLESS OF THE CAUSE, INCLUDING NEGLIGENCE OR SYSTEM FAILURES.
6. Disclaimer of Warranties
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, FI-JOURNEY AND ITS LICENSORS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.
7. Indemnification
You agree to defend, indemnify, and hold harmless FI-Journey, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal and accounting fees, arising out of or in any way connected with your access to or use of the Service or your violation of these Terms.
8. Governing Law & Dispute Resolution
Governing Law: These Terms shall be governed by and construed in accordance with the laws of the the United States, without regard to its conflict of law provisions.
Mandatory Arbitration & Class Action Waiver: Any dispute, controversy, or claim arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, shall be settled by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules. YOU AND FI-JOURNEY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
9. Termination
We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.
10. General Provisions
Severability: If any provision of these Terms is held to be invalid or unenforceable, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.
Entire Agreement: These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have had between us regarding the Service.
11. Legal Notices
Any legal notices or formal correspondence required under these Terms must be sent to us via email. By using the Service, you consent to receive electronic communications from us for all legal and notice purposes.
Legal Contact: autointelisys@outlook.com