Terms of Service

The Service is a chat-based, AI-powered financial counseling and educational tool oriented toward general personal-finance topics relevant to early-career adults, including topics commonly described as “main character life” planning, career and income strategy (“secure the bag”), and money-mindset work (“unlearn the broke mindset”). The Service is offered as a digital information and education product.

The Service does not constitute and is not a substitute for:

• Investment advice or investment management of any kind. We are not a registered investment adviser, broker-dealer, or financial planner under federal or state securities law. The Service does not recommend specific securities, investment products, allocations, or transactions, and any general references to asset classes, account types, or concepts are educational only.
• Tax advice, tax preparation, or accounting services. We are not a CPA firm or enrolled agent. Consult a qualified tax professional for tax matters.
• Legal advice. Nothing produced by the Service is legal advice. Consult a licensed attorney in your jurisdiction for legal matters.
• Insurance advice or recommendations.
• Credit counseling or debt-management services as defined under the Credit Repair Organizations Act, state debt-adjuster laws, or similar regimes.
• Mental health, medical, or therapeutic services. The Service is not therapy. If you are experiencing a mental health crisis or thoughts of self-harm, contact the 988 Suicide & Crisis Lifeline (call or text 988) or your local emergency services immediately.

The founder of the Company holds the Accredited Financial Counselor® (AFC®) credential issued by the Association for Financial Counseling and Planning Education® (AFCPE®). The AFC credential is a financial counseling credential, not an investment-adviser license. Any reference to the founder's AFC credential in the Service or in marketing materials describes the founder's individual professional background and does not:

• Convert the Service into a regulated investment-advisory or fiduciary relationship between you and the Company;
• Create a 1:1 counseling relationship between you and the founder, except where you have separately engaged the founder for individual counseling under a separate written agreement; or
• Cause AI-generated outputs to be deemed the professional advice of any individual credentialed person.

The Company will operate the Service consistent with the AFCPE® Code of Ethics to the extent applicable to a digital educational product. Where the AFCPE Code requires individual professional judgment that an AI cannot provide, you acknowledge that the Service operates as an educational tool only and you must consult a qualified professional for individualized advice.

The Service uses large language models (currently provided by Anthropic, PBC) to generate responses. AI-generated content:

• May be inaccurate, incomplete, outdated, or inappropriate for your specific situation;
• May produce different responses to the same question;
• Does not “know” your full financial picture, jurisdiction, tax bracket, family situation, or risk profile unless you tell it, and may make incorrect assumptions even when you do;
• Should be independently verified before you act on it, especially for any decision involving money, contracts, taxes, employment, debt, or significant life choices.

You agree that you are solely responsible for any decision you make and any action you take based on Service output. The Company is not liable for any outcome resulting from your reliance on Service output. See Sections 15 and 16.

Your use of the Service does not create a fiduciary, advisory, attorney-client, accountant-client, counselor-client, doctor-patient, or therapist-patient relationship between you and the Company, the founder, or any contractor of the Company.

We make no guarantee that you will achieve any specific financial result, income increase, debt reduction, savings rate, negotiation outcome, job offer, or psychological state from using the Service. Past results, testimonials, or case studies are not predictive of your results.

To use most features, you must register an account using a valid email address. You may register via email magic link or third-party single sign-on (e.g., Google). You agree to provide accurate, current, and complete information and to keep it updated.

You are responsible for safeguarding your account credentials and for all activity that occurs under your account. Notify us immediately of any unauthorized use. We are not liable for losses arising from your failure to secure your account.

You may maintain only one account. Creating multiple accounts to circumvent the trial limit, daily message cap, payment terms, or any prior termination is a material breach of these Terms and grounds for immediate suspension and forfeiture of any fees paid.

We offer a 7-day free trial with no credit card required. During the trial, you may send up to 5 messages per day to the Service, which uses our trial-tier model. Trial messages and trial duration are subject to change in our discretion; material reductions will be communicated to you before they take effect.

We may detect and prevent trial abuse, including but not limited to: multi-account creation, IP-based circumvention, disposable email addresses, and automated signups. We may impose phone verification, device fingerprinting, or similar measures, and may terminate accounts engaged in abuse without notice.

At the end of the trial period, your access to the chat is suspended until you subscribe. We do not automatically charge you. We may, in our discretion, allow eligible users to restart a trial after a defined waiting period; this is a privilege, not a right.

The Service is offered on the following paid plans (prices in USD, exclusive of any applicable taxes):

• Monthly: $9.99 per month
• Annual: $99.00 per year (billed once annually)

Pricing is current as of the Effective Date and subject to change as described in Section 6.5.

Payments are processed by Stripe, Inc. (“Stripe”). By providing payment information, you authorize Stripe and the Company to charge your payment method for the subscription you select, including taxes and any applicable fees. Your payment information is handled by Stripe under their terms and privacy policy; we do not store your full card number.

Listed prices do not include sales, use, value-added, or similar taxes. Where we are required to collect such taxes, they will be added to your charge. You are responsible for any taxes assessed on your use of the Service that we are not required to collect.

We may change subscription pricing. For active subscribers, price changes take effect on the next renewal after we provide you at least thirty (30) days' notice by email to the address on file. If you do not agree to the new price, you may cancel before the renewal.

All payments are non-refundable except where required by applicable law or expressly stated. We may, at our sole discretion, issue refunds or credits in cases of billing error, technical issues materially preventing your use, or goodwill resolutions.

If a payment fails, we may retry the charge, suspend access until payment succeeds, and ultimately terminate the subscription. You remain liable for any unpaid amounts.

We may offer promotional rates, coupons, or extended trials. These are subject to additional terms presented at the time of the offer and may be limited to new users, specific geographies, or one-time use.

“User Content” means any text, prompts, files, financial details, personal narratives, or other content you submit to the Service, including chat messages.

As between you and the Company, you retain ownership of your User Content.

You grant the Company a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, reproduce, transmit, and process your User Content as reasonably necessary to operate, maintain, secure, and improve the Service for you, to comply with law, and to enforce these Terms. This license terminates when your User Content is deleted, except to the extent we must retain it for legal, security, backup, or audit purposes.

We do not use your User Content to train foundation AI models, and we do not authorize our model providers to do so. Specifically:

• We use the Anthropic API under terms that exclude Customer Data from being used to train Anthropic's models;
• We do not sell User Content to third parties; and
• Any internal use of de-identified, aggregated data for product improvement (e.g., usage analytics, retention modeling) is conducted on de-identified data only, as described in our Privacy Policy.

You represent and warrant that your User Content does not violate any law or third-party right, and that you have all rights necessary to submit it.

Although we treat your User Content with reasonable care and apply security and access controls described in our Privacy Policy, your chat messages are not subject to legal privilege (e.g., attorney-client, doctor-patient, or therapist-patient privilege). Do not submit anything you would not want disclosed if compelled by legal process.

You may request export or deletion of your User Content at any time through account settings or by emailing us. Deletion timelines and exceptions are described in our Privacy Policy.

The Service, including all software, designs, logos, trademarks, text, graphics, the Company's frameworks (including but not limited to “Main Character Life → Secure the Bag → Unlearn the Broke Mindset”), system prompts, the founder's name and likeness as used in the Service, and all selection, arrangement, and compilation of content, is owned by the Company or its licensors and is protected by U.S. and international IP laws.

As between you and the Company, and to the extent the Company has any rights in the AI-generated output of your sessions, the Company assigns those rights to you for your personal use, subject to:

• These Terms (including Sections 2 and 8);
• The terms of our model provider(s) governing AI output;
• The fact that the same or substantially similar output may be generated for other users; and
• The fact that AI output may not be copyrightable under U.S. law.

You are responsible for determining whether any AI output may be lawfully used for your purposes.

If you provide feedback, suggestions, or ideas about the Service, you grant us a perpetual, irrevocable, royalty-free, worldwide license to use them without obligation to you.

“Justin's AI,” “Main Character Life,” “Secure the Bag,” “Unlearn the Broke Mindset,” and related marks are trademarks or pending trademarks of the Company. AFC® and Accredited Financial Counselor® are registered marks of AFCPE® and are used under the founder's individual credentialing rights, not licensed to users of the Service.

You may stop using the Service and cancel your subscription at any time through account settings or the Stripe customer portal. You may delete your account through account settings or by contacting us.

We may suspend or terminate your access at any time, with or without notice, for: (a) breach of these Terms; (b) suspected fraud, abuse, or illegal activity; (c) extended inactivity; (d) failure to pay; (e) risk to other users, the Service, or the Company; or (f) discontinuation of the Service.

Upon termination: your license to use the Service ends; we may delete or retain your User Content as described in our Privacy Policy; and provisions of these Terms that by their nature should survive (including Sections 2, 10.5, 11, 14, 15, 16, 17, 18, 19, 20, and 22) survive.

Before filing a claim, you agree to try to resolve the dispute by emailing us at justin@justinhuynh.com with a description of the dispute, your contact information, and the relief sought. We will attempt to resolve in good faith for sixty (60) days.

If we cannot resolve the dispute, all disputes arising out of or related to these Terms or the Service will be finally resolved by binding arbitration administered by JAMS under its Streamlined Arbitration Rules then in effect, by a single arbitrator. The arbitration will be held in San Francisco, California (or by videoconference at your option), in English. The arbitrator may award any relief a court could, except as limited by these Terms. Judgment on the award may be entered in any court of competent jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this Section.

YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate claims of multiple persons or preside over any class proceeding.

This Section 18 does not require arbitration of: (a) claims that may be brought in small claims court if they qualify; (b) claims for injunctive relief to protect intellectual property rights; or (c) any claim where applicable law prohibits arbitration.

You may opt out of this arbitration agreement by emailing justin@justinhuynh.com with the subject “ARBITRATION OPT-OUT” within thirty (30) days of first accepting these Terms, including your name and email. Opting out does not affect any other provision.

If the class action waiver is found unenforceable as to any claim, that claim must proceed in court (not arbitration) and the rest of this Section remains in effect for other claims.