Terms of Service

1. Acceptance of Terms

Welcome to InSightful ("we," "our," or "us"). These Terms of Service ("Terms") govern your use of our website, services, and applications (collectively, the "Service"). By accessing or using our Service, you agree to be bound by these Terms.

If you do not agree to these Terms, please do not use our Service. We reserve the right to modify these Terms at any time, and your continued use of the Service constitutes acceptance of any changes.

2. Description of Service

InSightful is an AI-powered platform designed to enhance critical thinking and philosophical understanding. Our Service includes:

• Interactive AI chat for philosophical discussions and critical thinking exercises
• Educational content including articles, guides, and multimedia resources
• Premium subscription features for enhanced access and personalized experiences
• User accounts and progress tracking
• Community features and educational tools

3. User Accounts and Registration

3.1 Account Creation

To access certain features of our Service, you must create an account. You may register using your email address or through third-party authentication providers (such as Google). You are responsible for maintaining the confidentiality of your account credentials.

3.2 Account Responsibilities

You agree to:

• Provide accurate and complete information during registration
• Keep your account information current and accurate
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized use of your account
• Accept responsibility for all activities that occur under your account

3.3 Account Termination

You may terminate your account at any time. We reserve the right to suspend or terminate accounts that violate these Terms or engage in harmful activities.

4. Acceptable Use Policy

4.1 Permitted Uses

You may use our Service for:

• Personal educational and philosophical exploration
• Engaging in constructive discussions with our AI system
• Accessing and consuming educational content
• Participating in critical thinking exercises and activities

4.2 Prohibited Uses

You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems or other users' accounts
• Share harmful, offensive, or inappropriate content
• Spam, harass, or abuse other users or our AI system
• Reverse engineer, modify, or attempt to extract our proprietary algorithms
• Use automated tools to access the Service without permission
• Violate any applicable laws or regulations
• Impersonate others or provide false information

4.3 Content Guidelines

When interacting with our AI system or sharing content, please maintain respectful and constructive dialogue. We reserve the right to moderate content and remove material that violates our community standards.

5. Subscription and Payment Terms

5.1 Subscription Plans

We offer both free and premium subscription plans. Premium subscriptions provide enhanced features, unlimited chat access, and exclusive content. Subscription details and pricing are available on our website.

5.2 Payment and Billing

• Subscription fees are billed in advance on a recurring basis
• All payments are processed securely through Stripe
• You authorize us to charge your chosen payment method
• Prices may change with 30 days' notice to subscribers
• All fees are non-refundable except as required by law

5.3 Free Tier Limitations

Free accounts are subject to usage limitations, including a daily limit of 5 chat messages. These limitations help us maintain service quality and sustainability.

5.4 Cancellation and Refunds

You may cancel your subscription at any time through your account settings or by contacting us. Cancellations take effect at the end of the current billing period. We do not provide refunds for partial subscription periods except as required by applicable law.

6. Intellectual Property Rights

6.1 Our Content

All content, features, and functionality of our Service, including but not limited to text, graphics, logos, software, and AI responses, are owned by InSightful or our licensors and are protected by copyright, trademark, and other intellectual property laws.

6.2 Your Content

You retain ownership of any content you submit to our Service. However, by submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, modify, and display your content for the purpose of providing and improving our Service.

6.3 AI-Generated Content

Content generated by our AI system in response to your queries is provided for educational and informational purposes. While you may use AI-generated content for personal purposes, we retain rights to the underlying AI technology and algorithms.

7. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Service, you consent to our data practices as described in the Privacy Policy.

We implement appropriate security measures to protect your information, but cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account information.

8. AI System Limitations and Disclaimers

8.1 Educational Purpose

Our AI system is designed for educational and philosophical exploration. It is not a substitute for professional advice, therapy, or counseling. Always consult qualified professionals for serious personal, legal, medical, or psychological matters.

8.2 AI Limitations

While we strive for accuracy, AI-generated content may contain errors, biases, or inaccuracies. Users should:

• Critically evaluate all AI-generated content
• Verify important information from authoritative sources
• Understand that AI responses reflect training data patterns, not absolute truth
• Use the Service as a tool for exploration, not as a definitive authority

8.3 Content Responsibility

You are responsible for how you use and interpret AI-generated content. We do not endorse or guarantee the accuracy of any specific philosophical positions or arguments presented by our AI system.

9. Service Availability and Modifications

9.1 Service Availability

We strive to maintain consistent service availability but cannot guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates, or technical issues.

9.2 Service Modifications

We reserve the right to modify, update, or discontinue features of our Service at any time. We will provide reasonable notice of significant changes that may affect your use of the Service.

10. Limitation of Liability

To the maximum extent permitted by law, InSightful and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.

Our total liability for any claims arising from these Terms or your use of the Service shall not exceed the amount you paid us in the twelve months preceding the claim.

11. Indemnification

You agree to indemnify and hold harmless InSightful and its affiliates from any claims, damages, losses, or expenses arising from your use of the Service, violation of these Terms, or infringement of any third-party rights.

12. Governing Law and Dispute Resolution

12.1 Governing Law

These Terms are governed by the laws of Canada and the province where InSightful is incorporated, without regard to conflict of law principles.

12.2 Dispute Resolution

Any disputes arising from these Terms or your use of the Service will be resolved through binding arbitration or in the courts of competent jurisdiction in Canada, as applicable under local law.

13. Termination

Either party may terminate these Terms at any time. Upon termination:

• Your right to use the Service immediately ceases
• We may delete your account and associated data
• Subscription fees for the current period are non-refundable
• Provisions that should survive termination will remain in effect

14. Severability and Entire Agreement

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and InSightful.

15. Changes to Terms

We may modify these Terms at any time by posting the updated Terms on our website. Material changes will be communicated to users via email or prominent notice on the Service. Your continued use after changes constitutes acceptance of the modified Terms.

16. Contact Information

If you have questions about these Terms of Service, please contact us: