Terms of Service

1. Acceptance of Terms

InsulatorOS is a software product owned and operated by Finance10XAI Inc., a Delaware corporation ("Company," "we," "us," or "our"), not a separate corporation. By accessing or using InsulatorOS (the "Service"), you agree to these Terms of Service ("Terms"). If you use the Service on behalf of a business entity, you represent that you have authority to bind that entity.

Subscribing businesses are independent of Finance10XAI Inc. and remain responsible for their contracting services, customer relationships, and advertising accounts. The initial pilot customer is Xertzy LLC d/b/a Insulate You, not the owner or operator of the platform.

If you do not agree to these Terms, do not use the Service.

2. Account Registration

To use InsulatorOS, you must create an account by providing accurate, complete, and current information. You are responsible for:

• Maintaining the confidentiality of your password and account credentials.
• All activity that occurs under your account.
• Notifying us immediately at support@insulatoros.com if you suspect unauthorized access.

One account may represent one insulation contracting business (one "company"). You may invite multiple users under your company account according to your subscription plan's user limits.

3. Subscription Plans & Billing

InsulatorOS is offered under tiered monthly subscription plans:

The following standard plan amounts reflect the development billing configuration. Your accepted checkout, order, or existing subscription may provide a different approved or grandfathered rate. No advertising spend is included. These drafts do not change your subscription or payment settings.

Plan	Monthly	Annual (2 months free)	Users
Solo	$89 / month	—	Up to 2
Team	$179 / month	$1,790 / year	Up to 15
Growth	$329 / month	$3,290 / year	Up to 30
Enterprise	$549 / month	$5,490 / year	Up to 150

• Monthly subscriptions are billed monthly in advance.
• Annual billing is available on the Team, Growth, and Enterprise plans and is billed once per year in advance at the annual rate shown above (equivalent to two months free versus paying monthly).
• Founding-member rate: the first 50 contractors to subscribe may lock in a founding rate of $79 / month. This rate remains in effect for as long as the subscription stays active and is not affected by future standard-price increases.
• A 14-day free trial is available for new accounts. No credit card is required to start a trial.
• After your trial ends, you must enter a valid payment method to continue using the Service.
• All payments are processed by Stripe, Inc. By providing payment information, you also agree to Stripe's Terms of Service.
• Subscription fees are non-refundable except as required by applicable law or as stated in our refund policy below.
• We may change standard subscription prices on a going-forward basis with reasonable notice. Existing subscriptions are billed at their current rate until renewal.

Fair Use of AI Features

Certain plans include a monthly allowance of AI-assisted plan reads (for example, AI-assisted takeoff and plan-reader analyses). These allowances reset on the 1st of each calendar month and are provided on a fair-use basis:

Plan	AI plan reads / month
Trial	25
Solo	200
Team, Growth, Enterprise	Unlimited (subject to fair use)

"Unlimited" usage is intended for normal business operations. We may apply reasonable safeguards against abuse, automated bulk processing, or usage that materially exceeds typical contractor activity, and may contact you to discuss appropriate plan sizing in such cases.

Refund Policy

Draft review note: The discretionary refund provision below requires owner and attorney confirmation. It has not been verified against actual refund practices.

If you cancel within the first 30 days of a paid subscription and are unsatisfied, contact us and we will issue a full refund at our discretion. After 30 days, no refunds are issued for partial subscription periods.

Payment Processing Fees

CRM Pro is separately billed where selected, using graduated seat-based pricing shown at checkout; eligible legacy subscriptions may retain their existing rate. Its separately configured trial is currently 14 days. Optional services such as instant payouts may have additional disclosed charges. Confirm the price and terms presented for each add-on before accepting it.

When you collect customer payments through InsulatorOS's integrated payment feature, a single all-in processing fee applies per transaction, in addition to your subscription:

• Card payments: 3.5% + $0.30 per transaction.
• ACH bank transfers: 1% per transaction, capped at $10.00.

These all-in rates cover payment processing, settlement, and platform handling — there are no separate add-on fees. You may pass the processing fee through to your customers at your discretion using the fee pass-through toggle in the invoicing settings.

4. Acceptable Use

You agree not to use the Service to:

• Violate any applicable local, state, federal, or international law or regulation.
• Submit false, misleading, or fraudulent information.
• Attempt to gain unauthorized access to other accounts or any part of the platform's infrastructure.
• Reverse-engineer, decompile, or disassemble the Service.
• Transmit spam, malware, or any harmful code.
• Resell or sublicense access to the Service without written authorization.
• Use automated scrapers or bots to extract data from the Service.

We reserve the right to suspend or terminate accounts that violate these restrictions without notice.

Marketing Hub and advertising authorization

The current live Meta and Google Ads integration is a limited, explicitly authorized, development-only, read-only reporting pilot. Self-service connections, automatic live imports, direct publishing, and autonomous campaign management are not currently offered by that pilot. Planned capabilities are not a promise of availability or included subscription entitlement.

• Authority: You must own or have permission to access each advertising account you authorize and have authority to act for your company. Authorization applies only to that company and the approved account, not to other subscribers.
• Reporting: Approved reporting may retrieve account metadata and campaign performance, including spending, clicks, and impressions. The current preview does not write spending to the financial database or change external advertising accounts.
• Permissions are not approval: A provider token may include management permissions, but possessing those permissions does not authorize InsulatorOS to create, edit, delete, publish, or change campaign budgets. Read-only reporting does not require management permission.
• Future external actions: If advertising management is introduced, an authorized customer must explicitly approve the proposed action and applicable account, campaign, content, and spending changes before execution. Connecting an account or accepting these Terms alone is not approval for publishing or spending. Autonomous AI publishing is not enabled.
• Your responsibilities: Keep access credentials secure, authorize only accounts you control, ensure lawful collection and use of customer information, and review any proposed advertising claims, creative rights, targeting, and budgets. You remain responsible for compliance with Meta and Google policies and applicable law.
• Charges and results: Advertising spend charged by a provider is separate from your InsulatorOS subscription unless expressly agreed otherwise. You are responsible for charges on your advertising accounts. We do not guarantee ad approval, delivery, lead volume, sales, or return on spending.
• Reporting limitations: Provider reporting may be delayed or revised. Missing data is not proof of zero spending; CRM attribution is not proof that advertising caused a sale. Review provider billing records when resolving charges.

You can revoke provider access and request deletion by following our Data Deletion Instructions. Disconnecting does not cancel your InsulatorOS subscription, pause existing campaigns, stop provider charges, or delete data held by Meta or Google. Manage active campaigns directly with the provider.

5. Your Data & Intellectual Property

You retain full ownership of all data you enter into InsulatorOS ("Customer Data"), including customer records, estimates, invoices, and business information. By using the Service, you grant us a limited, non-exclusive license to store and process your Customer Data solely to provide the Service to you.

We will not access your Customer Data except to provide technical support, comply with legal obligations, or as expressly permitted by you.

Finance10XAI Inc. owns the InsulatorOS source code, software, brand, and associated intellectual property, subject to third-party rights in incorporated services or components. These Terms grant no ownership rights in the platform. You retain your rights in Customer Data and in brand materials you provide; generating a draft does not transfer ownership of the underlying software to you.

6. IVY AI Assistant

IVY uses Anthropic's Claude API; other configured AI services may be used for supported document or image features. By using AI features, you acknowledge:

• AI responses are generated probabilistically and may contain errors. Always verify critical business, legal, or financial advice independently.
• IVY's responses do not constitute professional legal, financial, or engineering advice.
• Your prompts, relevant business context, and uploaded content may be processed by the provider used for the feature. Do not submit information you lack authority to share. Review the Privacy Policy for applicable processing disclosures.
• AI-generated advertising drafts require human review for factual accuracy, legal claims, rights to images and brand assets, and provider advertising policies. Draft generation is not approval to publish or spend, and exclusive copyright protection for an AI output is not guaranteed.

7. Service Availability & Uptime

We target 99.9% monthly uptime for the Team, Growth, and Enterprise plans. We will make commercially reasonable efforts to provide advance notice of planned maintenance. Scheduled maintenance windows do not count against uptime commitments.

We are not liable for downtime caused by third-party services (Stripe, Anthropic, hosting infrastructure) or by events outside our reasonable control.

8. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FINANCE10XAI INC. AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.

OUR TOTAL AGGREGATE LIABILITY TO YOU FOR CLAIMS ARISING FROM THESE TERMS OR YOUR USE OF THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) ONE HUNDRED DOLLARS ($100).

10. Termination

Either party may terminate this agreement at any time:

• You: Cancel your subscription from the account settings page. Your account remains active until the end of your current billing period.
• Us: We may suspend or terminate your account immediately if you violate these Terms, fail to pay, or if we reasonably believe your account poses a security risk.

Upon termination, you may export your Customer Data. Account data may be retained for up to 90 days for recovery before deletion or anonymization, subject to applicable legal and compliance exceptions. Financial business records may be retained for up to 7 years as described in our Privacy Policy. You may request earlier deletion where applicable law permits; see our Data Deletion Instructions.

11. Governing Law & Dispute Resolution

Attorney review required: The following existing Arkansas law and arbitration clause is retained for review only. Delaware incorporation does not itself decide the appropriate governing law or venue.

These Terms are governed by the laws of the State of Arkansas, without regard to its conflict-of-law provisions. Any dispute arising under these Terms shall first be submitted to good-faith mediation. If mediation fails, disputes shall be resolved by binding arbitration under the rules of the American Arbitration Association in Jonesboro, Arkansas.

12. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by email or in-app notice at least 30 days before the new Terms take effect. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.

13. Contact

For questions about these Terms:

• Email: legal@insulatoros.com
• Operator: Finance10XAI Inc., a Delaware corporation. Contact us by email for the appropriate mailing address.