Terms of Service
InitiativeOS
Last Updated: May 7, 2026
Effective upon Customer acceptance
These Terms of Service ("Agreement") are entered into between InitiativeOS, a registered trade name of Financial Fantasy Inc, a North Carolina corporation ("InitiativeOS," "we," "us," or "our"), and the organization or individual accessing or using the InitiativeOS platform ("Customer," "you," or "your").
BY CLICKING "ACCEPT," COMPLETING THE REGISTRATION PROCESS, OR ACCESSING THE SERVICE, YOU AGREE TO BE BOUND BY THIS AGREEMENT.
Section 1 — Definitions
1.1 "Service" means the InitiativeOS web-based platform, including all features, AI coaching functionality, data analytics, and related documentation made available at initiativeos.com.
1.2 "Customer Data" means all data, content, and information submitted by Customer or its Authorized Users into the Service.
1.3 "Authorized Users" means employees, contractors, or agents of Customer authorized to access the Service under Customer's account.
1.4 "Subscription Plan" means the pricing tier selected by Customer (Free Trial, Starter, Professional, or Enterprise) as described in Section 4.
1.5 "AI Coaching Output" means any text, recommendation, analysis, or narrative generated by the Service's artificial intelligence features.
1.6 "Aggregate Data" means anonymized, non-personally identifiable statistical data derived from usage patterns across the platform, which cannot reasonably identify any specific Customer or Authorized User.
1.7 "Effective Date" means the date on which Customer first accepts this Agreement, whether by clicking an acceptance button, completing registration, or accessing the Service. The Effective Date is unique to each Customer.
Section 2 — Description of Services
2.1 Platform Access. Subject to the terms of this Agreement and payment of applicable fees, InitiativeOS grants Customer a non-exclusive, non-transferable right to access and use the Service during the Subscription Term for Customer's internal business purposes.
2.2 Service Features. The Service is an AI-coached initiative execution platform providing structured workflows across 26 interlocking activities for managing organizational transformation programs. Feature availability is determined by Customer's Subscription Plan.
2.3 AI Coaching Features. The Service includes AI-generated coaching and narrative content powered by third-party large language model technology. AI Coaching Output is provided for informational and guidance purposes only and does not constitute professional, legal, financial, or consulting advice.
2.4 Modifications. InitiativeOS may update, modify, or discontinue features of the Service from time to time with reasonable notice for material changes.
Section 3 — Account Registration and Access
3.1 Registration. Customer must register for an account and agrees to provide accurate, current, and complete information during registration.
3.2 Account Security. Customer is responsible for maintaining the confidentiality of its account credentials and must notify InitiativeOS immediately at support@initiativeos.com of any unauthorized use.
3.3 Authorized Users. Customer is responsible for all Authorized Users' compliance with this Agreement. Each Authorized User must have their own account credentials.
3.4 Account Suspension. InitiativeOS reserves the right to suspend Customer's access if Customer fails to pay fees when due, violates this Agreement, or if required by applicable law.
Section 4 — Subscription Plans and Payment
4.1 Subscription Plans:
- Free Trial: $0 for 14 days. Includes 1 initiative and AI Coaching.
- Starter: $199/month. Includes 1 initiative, AI Coaching, and Pulse analytics. Beta pricing.
- Professional: $1,000/month. Includes up to 10 initiatives, AI Coaching, Pulse analytics, and data export. Beta pricing.
- Enterprise: $50,000/year. Unlimited initiatives, all features, and priority support. Activated via payment link.
4.2 Beta Pricing Notice. Current pricing is beta pricing. InitiativeOS will provide no less than 60 days' written notice before pricing changes apply to existing subscriptions.
4.3 Billing. Subscription fees are billed in advance on a monthly or annual basis and processed through Stripe, Inc.
4.4 Auto-Renewal. Subscriptions automatically renew unless Customer cancels at least 5 business days before the renewal date via the in-app billing portal.
4.5 Taxes. All fees are exclusive of applicable taxes.
4.6 Refunds. All fees are non-refundable except as required by applicable law. Service unavailability exceeding 24 consecutive hours due to InitiativeOS's fault may entitle Customer to a pro-rated credit.
4.7 Past Due Accounts. If any amount is 10 or more days past due, InitiativeOS may suspend Customer's access until payment is received.
Section 5 — Free Trial
5.1 Trial Access. InitiativeOS offers a 14-day free trial with access to the Service at the feature level specified at sign-up.
5.2 Trial Expiration. At the end of the trial period, Customer's account will revert to a restricted state unless Customer upgrades to a paid plan. Initiative data is retained for 30 days following trial expiration, after which it may be permanently deleted.
5.3 One Trial Per Organization. Free trials are limited to one per organization.
Section 6 — Acceptable Use
Customer agrees not to use the Service to:
- Violate any applicable law, regulation, or third-party rights;
- Upload or transmit any malicious code, viruses, or harmful content;
- Attempt to gain unauthorized access to the Service or InitiativeOS's systems;
- Reverse engineer or attempt to extract the source code of the Service;
- Use the Service to build a competing product or service, or to benchmark the Service for public disclosure without prior written consent;
- Reproduce, resell, or sublicense access to the Service without prior written consent;
- Circumvent or disable any security, billing, or access control features of the Service;
- Use automated tools to scrape or extract data at a volume exceeding normal usage;
- Misrepresent identity, organizational affiliation, or authority to accept this Agreement.
Section 7 — Customer Data
7.1 Ownership. Customer retains all ownership rights in and to Customer Data. This Agreement does not transfer ownership of Customer Data to InitiativeOS.
7.2 License to InitiativeOS. Customer grants InitiativeOS a limited, non-exclusive license to host, store, and process Customer Data solely as necessary to provide and improve the Service.
7.3 Customer Responsibility. Customer is solely responsible for the accuracy, quality, and legality of Customer Data.
7.4 Data Security. InitiativeOS will maintain commercially reasonable safeguards to protect the security, confidentiality, and integrity of Customer Data and will notify Customer of any confirmed data breach without undue delay.
7.5 Multi-Tenancy. Customer Data is logically separated from other customers' data. InitiativeOS will not share Customer Data with other customers.
Section 8 — Use of Aggregate and Anonymized Data
8.1 Platform Intelligence. InitiativeOS may derive and use Aggregate Data from Customer Data and platform usage patterns to improve AI Coaching Output quality, develop platform intelligence features, and enhance the Service.
8.2 Anonymization Standard. InitiativeOS ensures that Aggregate Data cannot reasonably identify Customer, any Authorized User, or any specific initiative. No raw text, organizational names, or personally identifiable information is used in Aggregate Data computations.
8.3 Ownership of Aggregate Data. Aggregate Data and all analyses and insights derived from it are owned exclusively by InitiativeOS.
8.4 Opt-Out. Customers on Enterprise plans may request exclusion from Aggregate Data processing by submitting a written request to support@initiativeos.com. Opt-out requests will be honored within 30 days.
Section 9 — AI-Generated Content
9.1 Nature of AI Output. The Service uses artificial intelligence to generate coaching narratives, recommendations, and analytical summaries based on Customer Data.
9.2 Not Professional Advice. AI COACHING OUTPUT IS PROVIDED FOR INFORMATIONAL AND GUIDANCE PURPOSES ONLY. IT DOES NOT CONSTITUTE PROFESSIONAL, LEGAL, FINANCIAL, HR, OR MANAGEMENT CONSULTING ADVICE.
9.3 Accuracy Disclaimer. InitiativeOS does not warrant that AI Coaching Output will be accurate, complete, or suitable for any particular purpose. Customer assumes all risk associated with reliance on AI Coaching Output.
9.4 No Training on Customer Data. InitiativeOS does not use Customer Data to train or fine-tune any AI or machine learning models.
Section 10 — Intellectual Property
10.1 InitiativeOS IP. InitiativeOS retains all right, title, and interest in the Service, including all software, methodology, frameworks, documentation, and AI systems.
10.2 Methodology. The 26-activity initiative management methodology embedded in the Service is proprietary to InitiativeOS. Customer may not reproduce, publish, or commercialize the methodology without prior written consent.
10.3 Feedback. If Customer provides feedback or suggestions, Customer grants InitiativeOS a perpetual, irrevocable, royalty-free license to use such Feedback to improve the Service.
Section 11 — Confidentiality
11.1 Obligations. Each party agrees to maintain the confidentiality of the other party's Confidential Information using at least reasonable care, and to use it only as necessary to perform obligations under this Agreement.
11.2 Exclusions. Confidentiality obligations do not apply to information that is publicly available, was already known to the receiving party, is independently developed, or is required to be disclosed by law.
11.3 Scope. Confidential Information of InitiativeOS includes its underlying architecture, AI systems, pricing, and unpublished features. Confidential Information of Customer includes Customer Data and Customer's internal business plans.
Section 12 — Warranties and Disclaimers
12.1 InitiativeOS Warranty. InitiativeOS warrants that the Service will perform materially as described, will not intentionally introduce malicious code, and will comply with applicable laws.
12.2 Customer Warranty. Customer warrants that it has authority to enter this Agreement, its use will comply with applicable law, and it has all rights necessary to submit Customer Data.
12.3 DISCLAIMER. EXCEPT AS EXPRESSLY SET FORTH HEREIN, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR UNINTERRUPTED ACCESS.
Section 13 — Limitation of Liability
13.1 Exclusion of Indirect Damages. IN NO EVENT SHALL EITHER PARTY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS INTERRUPTION.
13.2 Cap on Liability. EACH PARTY'S TOTAL CUMULATIVE LIABILITY SHALL NOT EXCEED THE AMOUNT PAID BY CUSTOMER TO INITIATIVEOS IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
13.3 Exceptions. These limitations shall not apply to breach of Section 6 (Acceptable Use), indemnification obligations, Customer's payment obligations, or either party's gross negligence or willful misconduct.
Section 14 — Indemnification
14.1 By Customer. Customer will indemnify and hold harmless InitiativeOS from claims arising from: Customer's breach of this Agreement; Customer Data; Customer's violation of applicable law; or Customer's use of the Service in a manner not permitted herein.
14.2 By InitiativeOS. InitiativeOS will indemnify Customer from third-party claims alleging that the Service infringes any United States patent, copyright, trademark, or trade secret, provided Customer promptly notifies InitiativeOS and cooperates in the defense.
Section 15 — Term and Termination
15.1 Term. This Agreement begins on the Effective Date and continues for the duration of Customer's Subscription Term unless terminated earlier.
15.2 Termination for Convenience. Either party may terminate at the end of any billing period by providing written notice at least 5 business days prior to renewal. Customer may cancel via the in-app billing portal.
15.3 Termination for Cause. Either party may terminate immediately upon written notice if the other party materially breaches this Agreement and fails to cure within 30 days, becomes insolvent, or in the case of InitiativeOS, if Customer violates Section 6.
15.4 Effect of Termination. Upon termination, all licenses cease, Customer must stop using the Service, and each party will return or destroy the other's Confidential Information upon request.
Section 16 — Data Export and Retention upon Termination
16.1 Data Export. Customer may export Customer Data using in-app export features (available on Professional and Enterprise plans) for 30 days following termination.
16.2 Data Deletion. Following the 30-day export window, InitiativeOS will delete Customer Data from its systems in the ordinary course of business. Customer may request confirmation of deletion by contacting support@initiativeos.com.
16.3 Survival. Sections 1, 7.1, 8.3, 9, 10, 11, 12.3, 13, 14, 16, and 18 shall survive any termination or expiration of this Agreement.
Section 17 — Changes to this Agreement
InitiativeOS reserves the right to modify this Agreement at any time. For material changes, InitiativeOS will provide at least 30 days' advance notice via email or in-app notification. Continued use of the Service after the effective date of any modification constitutes acceptance.
Section 18 — General Provisions
18.1 Governing Law. This Agreement is governed by the laws of North Carolina, United States. The parties consent to the exclusive jurisdiction of courts in Mecklenburg County, North Carolina.
18.2 Dispute Resolution. Prior to any legal action, the parties agree to good-faith negotiation for 30 days. If unresolved, either party may pursue binding arbitration under AAA Commercial Arbitration Rules in Charlotte, North Carolina. CLASS ACTIONS ARE NOT PERMITTED.
18.3 Entire Agreement. This Agreement, together with the Privacy Policy and any Order Form, constitutes the entire agreement between the parties and supersedes all prior agreements.
18.4 Severability. If any provision is held invalid or unenforceable, the remaining provisions remain in full force and effect.
18.5 Waiver. No waiver is effective unless in writing. Failure to enforce any provision does not constitute a waiver.
18.6 Assignment. Customer may not assign this Agreement without prior written consent. InitiativeOS may assign in connection with a merger or acquisition.
18.7 Force Majeure. Neither party is in default if failure to perform is due to causes beyond its reasonable control.
18.8 Notices. Notices to InitiativeOS must be sent to support@initiativeos.com. Notices to Customer will be sent to the email on file for the account administrator.
18.9 Relationship of Parties. The parties are independent contractors. Nothing herein creates an agency, partnership, or employment relationship.
18.10 No Third-Party Beneficiaries. This Agreement does not create rights in or obligations to any third party.
Contact
InitiativeOS (Financial Fantasy Inc d/b/a InitiativeOS)
North Carolina, United States