Terms of Service
Last updated: February 25, 2026
These Terms of Service ("Terms") govern your use of the IndepAI platform at indepai.app (the "Service") operated by IndepAI Systems Inc. ("IndepAI", "we", "us", or "our"). By accessing or using the Service, you agree to be bound by these Terms.
1. The Service
IndepAI provides AI-powered financial planning tools for digital nomads, including FI Score calculations, geo-arbitrage comparisons, tax optimization modeling, and AI financial coaching. The Service enables account creation via email or third-party providers such as Google. The Service is provided for informational and educational purposes only.
2. Not Financial Advice
IndepAI does NOT provide financial, tax, legal, or investment advice. All calculations, projections, and AI-generated recommendations are for informational purposes only and should not be relied upon as professional advice. Always consult qualified financial advisors, tax professionals, and legal counsel before making financial decisions. We are not liable for any financial decisions made based on the Service.
3. User Accounts
You must provide accurate information when creating an account. You are responsible for maintaining the security of your account credentials. You must be at least 18 years old to use the Service. One person or entity may not maintain more than one account.
4. Third-Party Authentication
The Service offers sign-in via third-party authentication providers, including Google. By using Google Sign-In, you agree to Google's Terms of Service and Privacy Policy. IndepAI's use and transfer of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements. You may revoke IndepAI's access to your Google account at any time via your Google Account settings. IndepAI is not affiliated with, endorsed by, or sponsored by Google LLC or any of its subsidiaries.
5. Subscriptions & Payments
Some features require a paid subscription. Payments are processed securely via Stripe. Subscriptions auto-renew unless cancelled before the renewal date. Refunds are available within 14 days of initial purchase if you have not substantially used paid features. You can manage your subscription and cancel at any time through the billing settings.
6. Acceptable Use
You agree not to: use the Service for any illegal purpose; attempt to gain unauthorized access to the Service or its systems; reverse engineer, decompile, or disassemble any part of the Service; use automated tools to scrape or extract data; share your account credentials with others; upload malicious content or attempt to compromise system security.
7. Intellectual Property
The Service, including its design, code, algorithms, and content, is owned by IndepAI Systems Inc. and protected by intellectual property laws. You retain ownership of any financial data you provide. By using the Service, you grant us a limited license to process your data solely to provide the Service.
8. Data Accuracy
While we strive for accuracy, financial data (cost-of-living indices, tax rates, city data) may contain errors or become outdated. We make no warranties about the accuracy, completeness, or timeliness of any data provided through the Service.
9. Limitation of Liability
To the maximum extent permitted by law, IndepAI shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or financial losses arising from your use of the Service. Our total liability shall not exceed the amount you paid for the Service in the 12 months preceding the claim.
10. Termination
We may suspend or terminate your account if you violate these Terms. You may delete your account at any time. Upon termination, we will delete your personal data in accordance with our Privacy Policy.
11. Governing Law
These Terms are governed by the laws of Poland. Any disputes shall be resolved in the courts of Krakow, Poland, unless you are a consumer in the EU, in which case you may bring proceedings in your country of residence.
12. API Terms Compliance
To the extent the Service accesses Google APIs, you agree that IndepAI will comply with the Google API Services User Data Policy. In the event of any conflict between these Terms and Google's Limited Use requirements, Google's Limited Use requirements shall prevail with respect to Google user data.
13. Changes to Terms
We may update these Terms from time to time. Material changes will be communicated via email or a notice on the Service at least 30 days before they take effect. Continued use after changes constitutes acceptance.
14. Contact
For questions about these Terms, contact us at hello@indepai.app.