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Terms of Service

Version 1.0 · Effective 2026-08-20 · Last updated 2026-08-20

These Terms are the agreement between you and LobiSolutions for your use of LobiPlan. They bind every person who creates an account and every workspace created from one.

How to read this

This is one agreement with two schedules. The numbered sections below apply to everybody. Then:

• Schedule A — Household applies if your workspace is a household workspace.
• Schedule B — Organization applies if your workspace is an organization workspace.

Your schedule prevails over the numbered sections wherever the two disagree. If a business customer has signed an Order Form, that prevails over everything.

Order of precedence: Order Form → your Schedule → these Terms → the Acceptable Use Policy → the Documentation.

Two other documents form part of this agreement and are incorporated by reference: the Acceptable Use Policy and the Subprocessors register. The Privacy Policy explains what we do with personal information.

We have written this in the same plain language as the rest of the product. If a sentence here is unclear, write to us and we will explain it — and if the explanation is easier to read than the clause, we will rewrite the clause.

1. Who we are, and how to reach us

LobiPlan is operated by Benjamin Simba, carrying on business as LobiSolutions, in Nova Scotia, Canada.

Every message about anything — support, billing, privacy, security, accessibility, legal — goes to bsimba6@gmail.com. One address, read by a person. We do not run role addresses. Any address of the form support@lobiplan.com, legal@lobiplan.com or privacy@lobiplan.com is not ours and reaches nobody — lobiplan.com accepts no mail at all.

The party you are contracting with is Benjamin Simba, an individual carrying on business as LobiSolutions, in Nova Scotia, Canada.

LobiSolutions is a business name, not a separate legal entity. It is not incorporated. There is no company standing between you and the individual named above, and there are no shareholders, directors or officers. Where these Terms say "we", "us" or "LobiSolutions", they mean that person.

We state this plainly because two things follow from it, and you should not have to work them out yourself:

• The limits in section 16 are load-bearing. They cap the exposure of one person, not of a company with assets behind it. If the amount you would be able to recover matters to your decision, read section 16 before you rely on this product.
• There is no business number to publish, because there is no incorporated entity to have one. If your compliance process needs a registered name and address for formal notice, write to bsimba6@gmail.com and we will provide what exists. Notice under these Terms is validly given by email to that address.

If LobiSolutions is later incorporated, the contracting party changes. We will say so here, raise the version, and tell account holders before it takes effect.

2. Definitions

We define a term only where we use it more than a few times.

• Service — the LobiPlan application at app.lobiplan.com, and the site at lobiplan.com.
• Workspace — a household or organization space inside the Service, and everything in it.
• Customer — the person or entity that the workspace belongs to. In a household that is the account holder who created it; in an organization it is the organization.
• Member — a person with an account who belongs to a workspace.
• Guest — someone who joins a meeting, or opens a shared link, without an account.
• Customer Data — everything you and your Members put into the Service, and everything the Service records about what you did.
• Output — text or structured suggestions produced by the AI features.
• Documentation — the in-product help, and the description of the Service published at lobiplan.com. Nothing else is Documentation.
• Order Form — a written, signed order between us and an organization.
• Fees — what you pay for a paid plan.

3. The Service, and the two kinds of workspace

LobiPlan runs two kinds of workspace from one product: household and organization. Which schedule applies to you is decided by the kind of workspace, chosen when the workspace is created.

Be aware of what that difference is and is not. The two kinds differ in what the screens show, what vocabulary they use and what is on sale. They are the same software with the same security model underneath. A household workspace is not technically separated from an organization workspace; it is presented differently.

One account may hold at most two workspaces.

4. Accounts and eligibility

You must be at least the age of majority where you live — 19 in Nova Scotia — to create an account.

You are responsible for your account and for keeping your password to yourself. Tell us at bsimba6@gmail.com if you think someone else has access to it.

We do not offer multi-factor authentication. Today an account is protected by a password and nothing else. We are telling you this rather than letting you assume otherwise, and you should choose a password you use nowhere else.

Children do not have accounts. In a household, a child is a record in the household — a name and, if you enter one, a birth date. They do not sign in and they do not consume a seat.

5. Accepting these Terms for an organization

If you create or administer a workspace for an employer or any other entity, you confirm that you have the authority to accept these Terms on its behalf, and "you" then means that entity.

Anyone can create a workspace in this product, so we know that representation is thin on its own. For anything that matters commercially, the binding event is an Order Form naming a person, not a signup screen.

6. Your Members, and your Guests

You are responsible for what your Members do in your workspace.

You are also responsible for your Guests — people who join a meeting you host, or who open a link you shared, without an account. Those people have no agreement with us and we have no way to reach them. Giving them whatever notice the law requires is your job, not ours. That matters most in two places, both covered in the Acceptable Use Policy: recording a meeting, and sharing a day link that shows a child's name, whereabouts and a venue's address and phone number.

We publish a short notice on the guest join page and on the day link explaining who operates the page and how to ask for it to be switched off. That notice is the only communication those people ever get from us, and it does not obtain consent on your behalf.

7. Acceptable use

The Acceptable Use Policy is part of this agreement. It is a separate document so that it can be updated on notice without re-papering everything else.

8. Fees, trials, renewal and taxes

The commercial terms differ by workspace kind, so the detail is in your Schedule. Four things apply to both.

8.1 Prices are in Canadian dollars (CAD). Every price we publish is CAD. If your card is issued outside Canada, your card issuer converts at its own rate and may add a foreign-transaction fee that we neither set nor receive, so your statement may show a slightly different number. [TO CONFIRM: whether Stripe Adaptive Pricing is enabled — if it is, the charge is presented and taken in your local currency at the price shown, and nothing further is added by us.]

8.2 Payment is handled by Stripe. Card details are entered on Stripe's own pages and never reach LobiPlan. We hold a mirror of your subscription status; Stripe holds the payment method.

8.3 If a payment fails, we do not switch anything off. A card that fails has usually expired rather than been cancelled. Stripe retries and we email you, and your workspace keeps working while that happens. We may suspend a paid workspace if payment is still outstanding after 30 days, and we will tell you before we do.

8.4 Tax. [TO CONFIRM: GST/HST registration status, and whether Stripe Tax is enabled. Until this is confirmed, the terms cannot state whether published prices are tax-inclusive or tax-exclusive, and this clause must be completed before any price is advertised.]

9. Your data — who owns it, and the licence we need

9.1 You own your Customer Data. Nothing here transfers it to us.

9.2 The licence we take, and what it deliberately leaves out. You grant us a non-exclusive licence to host, copy, transmit, display and process Customer Data solely to:

1. provide and maintain the Service;
2. provide support you have asked for;
3. prevent or address security incidents, fraud or abuse; and
4. comply with the law.

That list is the whole licence. There is no "and to improve our products and services" here, because that clause would quietly contradict what we say everywhere else about not training models on your data.

9.3 We take no cross-tenant data licence. We do not pool your data with any other customer's, and we do not produce benchmarks or comparisons across customers. The forecast in your workspace is calibrated on your own workspace's history and nothing else. If we ever want to build something that compares customers, we will ask you to opt in and tell you what you get for it — we will not do it under this clause.

9.4 What we do collect about the Service itself. We collect Service Telemetry — error rates, feature usage counts, request volumes and performance measurements — to keep the Service running and to improve it. Service Telemetry contains no Customer Data and no personal information.

9.5 We do not sell your data. Not to anyone, in any form.

9.6 Feedback. If you send us an idea or a suggestion, you give us a perpetual, irrevocable, royalty-free licence to use it. We do not take ownership of it, and you remain free to use it yourself.

9.7 Our own intellectual property. We own the Service, the software behind it, the LobiPlan name and marks, and the Documentation. Nothing in this agreement transfers any of that to you.

10. AI features

10.1 We claim nothing in the Output. As between us, an Output is your Customer Data.

10.2 Outputs can be wrong. They are produced by a machine learning model. They may be inaccurate, incomplete or unsuitable for what you are doing, and they are not professional advice. A similar or identical Output may be produced for another customer, and we make no claim that an Output is original or that it does not resemble somebody else's material. You are responsible for reviewing an Output before you rely on it. Outputs are excluded from the IP indemnity in Schedule B.

10.3 What the AI in this product cannot do, and why that is a term rather than a slogan. These are constraints built into the database and the server, not instructions we give a model:

• No amount in your ledger, and no approval, was written by a model. The assistant proposes; a person accepts. Approvals are unreachable by the AI at the database level.
• Automatic application of AI suggestions is off by default and is a per-user setting. An external email is never sent automatically — there is no setting that changes that.
• Where the assistant reads a document, the source is shown beside the figures it extracted. A multi-row statement is accepted only when it reconciles to the cent against a closing balance you typed yourself, and is otherwise refused whole rather than partly imported.
• The model may propose words and structure. It may not invent a number, an amount of money, a person or a governance decision.

10.4 The model provider. AI features are delivered using Anthropic's Claude API. Anthropic is listed in Subprocessors with what it receives. Anthropic's published commercial terms state that it does not train its models on API inputs. [TO CONFIRM: this attribution must be checked against Anthropic's commercial terms as at the publication date, and re-checked when they change. We state what a provider's terms say; we do not warrant another company's conduct.]

10.5 AI availability is limited and may change. AI features are subject to per-user and per-workspace rate limits, to what your plan includes, and to an overall cost ceiling. They may be unavailable. We do not promise a volume of AI usage, and we may change the limits on notice.

11. Money: what LobiPlan is, and what it is not

This section matters more than most of the ones around it, because LobiPlan holds financial records.

11.1 Nothing in LobiPlan moves money. There is no transfer, no payment initiation, no debit. Every "pay", "settle" and "remit" action in this product records that a payment happened. It does not make one. LobiPlan does not pay your suppliers and cannot pay a tax authority.

11.2 It is not professional advice. LobiPlan is bookkeeping and planning software. Nothing in it is accounting, tax, legal, mortgage, investment or financial advice, and using it does not create a professional relationship with anybody.

11.3 The books are yours, and nobody here has checked them. The financial statements the Service produces are your own entries, presented the way you asked us to present them. Nobody at LobiSolutions has audited, reviewed or compiled them, and nothing the Service produces is a compilation engagement report. We add up what you and your team posted; we do not check it. Before a statement goes to a bank, an investor or a tax authority, an accountant should look at it.

11.4 Accounting frameworks are a presentation, not a certification. Where you choose a framework, the Service presents your own chart of accounts under it, using the mapping in your workspace. We do not decide how your accounts should be classified, we do not know your local filing rules, and nothing here is certified. Where statutory accounts must be certified, they still must be.

11.5 The sales tax report files nothing. It does not decide which of your supplies are taxable, applies no input-tax restrictions, knows nothing about place of supply, and submits nothing to any authority.

11.6 The mortgage tool reports variance against a schedule, and never delinquency. It rebuilds an amortisation schedule from the terms you entered and compares it with what your bank actually took. It does not have your mortgage contract, and it does not know about a deferral, a skipped payment, a rate change or a lump-sum prepayment. A payment it cannot match is a payment it cannot match. It is not a missed payment and it is not a default. Your lender's statement is the record. The tool will never compare your mortgage to any other rate, lender or product, because that would be mortgage advice from someone who is not licensed to give it.

11.7 A forecast is a band, not a promise. The forecast shows a range of what your current plan implies if your workspace's past estimate errors repeat. It is not a commitment, it is not a delivery date, and it knows nothing about anything you have not entered. When the sample is small the band is wide because we do not know, not because the work is risky.

11.8 Figures read from your documents. Where a model transcribes figures from a receipt or a statement you uploaded, we check the arithmetic — but arithmetic that adds up can still have been read off the wrong line. Check the figures against the document shown beside them before you confirm them. We do not warrant the accuracy of any figure derived from a document you supplied.

11.9 Your figures, your filings, your records. You are responsible for what you enter, for verifying it, for anything you file, and for keeping your own statutory records for as long as the law requires them. LobiPlan is not your record-keeper and does not undertake to hold your books for any period.

12. Third-party services

Some parts of the Service depend on other companies, and some of them you choose to connect.

• Stripe handles payments. Card data never reaches us.
• Plaid delivers household bank connections, if you choose to connect one. Connecting an account creates a relationship with Plaid governed by Plaid's own terms and privacy policy. Your bank sign-in happens on your bank's own page. LobiPlan never receives or stores your bank credential, and LobiPlan cannot move money in a connected account.
• The meeting stack (LiveKit, and AssemblyAI where transcription is on) carries video, audio and recordings.

Each is listed in Subprocessors with what it receives. These companies have their own terms, which apply to you alongside these ones.

13. Beta and preview features

Anything we label beta or preview is provided as-is, is excluded from the warranty in section 15, and may be changed or withdrawn at any time.

14. Service levels — we do not offer one

We do not commit to an uptime percentage. We do not currently run automated availability monitoring, and we would rather tell you that than publish a number we cannot measure.

What we do commit to:

• Support is by email to bsimba6@gmail.com, answered by a person, with a target of one business day (Atlantic time).
• Planned maintenance that we expect to interrupt the Service is announced in advance by email.

The Service runs on Supabase, Vercel, Stripe, Anthropic and a video stack we do not operate. Promising more availability than the least available of those would be a promise we do not control.

If you are an organization and you need a service level with credits attached, that belongs in an Order Form, and it needs monitoring to exist first. Ask us and we will tell you honestly where that stands.

15. Warranty, and what we do not warrant

15.1 What we do promise. The Service will perform materially in accordance with the Documentation. If it does not, tell us: we will use reasonable efforts to correct it, and if we cannot within 30 days you may terminate and receive a pro-rata refund of prepaid Fees for the unused period.

15.2 What we do not promise. Apart from section 15.1, and to the extent the law allows, we make no warranties — no implied warranty of merchantability, of fitness for a particular purpose, or of non-infringement — and we do not warrant that the Service will be uninterrupted or error-free.

15.3 Three specific things we are not.

• We are not a professional adviser. Section 11 says what that means in detail.
• We do not warrant Outputs. Section 10.2 says what that means in detail.
• LobiPlan is not a records-retention or archival service. Parts of the Service delete data on a schedule by design — meeting recordings, transcripts, assistant chat history, notifications and uploaded household statements all have retention periods, set out in the Privacy Policy. If you need something kept, keep your own copy.

15.4 Schedule A adds a consumer savings clause that limits the effect of this section for household customers.

16. Limitation of liability

16.1 The cap. Our total liability arising out of or relating to this agreement is limited to:

We have used a named floor rather than a bare "fees paid" cap because a free or unpriced plan would otherwise produce a cap of zero, which is not a real limit and should not be offered as one.

16.2 What is excluded. Neither party is liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, lost revenue or lost goodwill. Neither is either party liable for loss or corruption of data — except that this exclusion does not apply to loss or corruption caused by our failure to meet the security commitments we publish at Security.

16.3 What the cap does not cover. Nothing in this section limits liability for: death or personal injury caused by negligence; fraud or fraudulent misrepresentation; your obligation to pay Fees; your indemnity obligations; or either party's gross negligence or wilful misconduct.

16.4 Read down, not struck out. If a limitation in this section is held unenforceable, it applies to the maximum extent the law permits rather than being removed altogether.

17. Indemnities

17.1 You indemnify us against third-party claims arising from your Customer Data, from a breach of the Acceptable Use Policy, or from your failure to give a notice you were required to give to a Member or a Guest — in particular the consent required before a meeting is recorded.

17.2 We indemnify organizations — see Schedule B, section B6. There is no IP indemnity for household customers, deliberately: a family running a chore rota will not face an intellectual-property claim, and offering the indemnity would make the consumer document longer without protecting anybody.

18. Suspension

We may suspend a workspace:

1. immediately, where there is a risk of imminent harm to the Service or to another customer, or where we receive a credible legal demand;
2. on notice, with a chance to put it right, in any other case of breach; and
3. for non-payment, only after 30 days past due, and only after telling you first (section 8.3).

Suspending one workspace does not suspend the other workspace on your account.

19. Term, termination, and what happens to your data

19.1 You can leave at any time. How to cancel is in your Schedule.

19.2 We may terminate for cause — a breach of the Acceptable Use Policy, non-payment beyond 30 days, insolvency, or a legal requirement. Except where the harm is imminent, we will give notice and a chance to put it right.

19.3 If we ever stop offering LobiPlan, you get 60 days. We may discontinue the Service on 60 days' written notice. During that period the Service and the export both keep working, and we will refund prepaid Fees for the unused period on a pro-rata basis.

19.4 Export — what it is, and what it is not. Every Member can export their own data at any time from My Account → Security, once per 24 hours, without asking us. It stays available for 60 days after termination.

Be clear about the scope, because it will otherwise surprise you:

• It is a per-member export — that person's own records, not the whole workspace.
• It does not include the general ledger. The books export separately, as a CSV per statement, from the finance screens.
• It deliberately excludes credentials — push keys, verification tokens, calendar-feed and day-link tokens. It carries the fact that a device or a feed exists, never the secret itself.

If an organization needs a full copy of its records, ask us within 60 days of termination and we will produce one in a machine-readable format. That is a manual commitment and we will honour it.

19.5 Erasure is by anonymisation, and there is no delete button. This is the part of the exit story people find most surprising, so we would rather you knew before you signed up than after you asked.

Deleting a person from the database was never possible here: the record of what they submitted, approved and edited is wired to their profile, and those records are what make the rest of the product true. So when we erase a member:

• their name, contact details, photo and personal settings are scrubbed;
• their sign-in stops working;
• their private data is deleted;
• and the record of work that was done and money that moved — a task that was approved, an entry that was posted — stays, with their name replaced by "Former member".

We do it that way because deleting one person's history would destroy another customer's audit trail. Erasure is performed by us on request today — write to bsimba6@gmail.com. There is no self-serve delete-my-account button, and we are not going to pretend there is one.

For a child in a household, an admin of that household can export and erase that child's record from within the product: the name, birth date, photo, points and any day links are removed, and a scrubbed row remains so the household's history keeps its shape.

19.6 The ledger stays, and the reason is about your obligation, not ours. We do not auto-delete a general ledger and we will not delete one on request. Canadian tax law requires a business to keep its books for six years — and that duty is the taxpayer's, not their software vendor's. We are the custodian of a record somebody else is obliged to hold, so we will not quietly destroy it. Export it and keep your own copy; that is the part that discharges your duty, not our storage.

The same reasoning applies to the audit trail, to approvals, and to person-to-person messages: those four classes have no automatic deletion timer. Everything else does, and the periods are published in the Privacy Policy. They are set by us and can be shortened.

19.7 What we delete, and when. After the 60-day export window, Customer Data is deleted or anonymised within 90 days, except the ledger and the audit records described above. Backups age out on their own cycle and are not edited to remove individual records; they are overwritten in the ordinary course.

20. Confidentiality

Mutual confidentiality applies to organization workspaces only — see Schedule B, section B7. A household does not need a non-disclosure agreement with its chore app.

21. Publicity

Neither of us uses the other's name, logo or marks in public without written consent.

22. Assignment

You may not assign this agreement without our consent. We may assign it to a successor in a merger, an acquisition, or a sale of substantially all of our assets.

23. Notices

Email is enough, both ways. Ours go to the address on your account, so keep the workspace administrator's address current. Yours go to bsimba6@gmail.com.

24. Things outside our control

Neither of us is liable for a failure caused by something genuinely outside our control. For us that specifically includes a failure of Supabase, Vercel, Stripe, Anthropic, or the video and transcription stack — the Service runs on them and we do not operate them.

25. Governing law, and where a dispute goes

These Terms are governed by the law of Nova Scotia, Canada and the federal laws of Canada that apply there. The courts of Nova Scotia have jurisdiction.

If you are a household customer, nothing in this section prevents you from bringing a claim in the courts of the province where you live.

There is no arbitration clause and no class-action waiver in this agreement. We considered both and decided against them. At these prices they would deter nothing and would put every neighbouring clause at risk.

26. Language

These Terms are published in English and French, and both versions are equally authentic. If they conflict, the version in the language in which you accepted these Terms governs. Where that cannot be determined — on a free plan, for example, where no purchase took place — the English version governs, except for a consumer resident in Québec, where the French version governs.

The LobiPlan interface is also offered in other languages. Those translations are for convenience and form no part of this agreement. Where a translation of the interface is machine-assisted and has not been reviewed by a native speaker, we say so in the product, and we do not publish legal documents in that language rather than publishing a contract we cannot read.

27. Where LobiPlan is offered

LobiPlan is offered to household customers in Canada. We do not currently offer household plans to consumers in the European Economic Area or the United Kingdom, and these Terms are not written for those markets. Organization customers elsewhere are served under an Order Form.

28. The usual final clauses

• Entire agreement. These Terms, your Schedule, the Acceptable Use Policy, the Subprocessors register and any Order Form are the whole agreement between us on this subject.
• Severability. If part of this agreement is unenforceable, the rest stands, and section 16.4 applies to any limitation of liability.
• Survival. Sections 9, 10.2, 11, 15, 16, 17, 19.4–19.7, 23, 25 and 28 survive termination.
• No waiver. Not enforcing something once does not mean giving it up.
• No third-party beneficiaries. Nobody outside this agreement gets rights under it.

Schedule A — Household workspaces

This Schedule applies to household workspaces. Where it disagrees with the numbered sections above, this Schedule wins.

A1. Your rights under consumer law come first

Nothing in these Terms excludes, restricts or modifies any right, warranty, guarantee or remedy you have under the Nova Scotia Consumer Protection Act, or under any other consumer-protection law that cannot be excluded or limited by agreement. Where such a right applies, our liability is limited only to the extent that law permits.

This clause is here because a blanket disclaimer aimed at a consumer deserves to be struck out, and because we would rather say plainly which parts of section 15 and section 16 do not reach you.

A2. Plans and prices

All prices are in Canadian dollars. See section 8.1 on what your card issuer may do to that number.

A3. Trials, and the first charge

Paid household plans start with a 7-day free trial. We take your card at the start so that nothing stops when the trial ends, and we do not charge it during the trial.

At the end of the trial we charge the monthly price, and then the same amount every month on that date until you cancel. The subscription renews automatically. The exact date and amount of your first charge are shown on the screen where you buy, before you commit.

Cancel before the trial ends and you are never charged at all.

One free trial per person. [TO CONFIRM: whether Stripe's trial-ending notification is enabled. Until it is, this Schedule must not promise a reminder email before the first charge — and a card taken at signup and charged a week later with no intervening message is exactly the thing that reminder exists to prevent.]

A4. Cancelling

Cancel any time from Admin → Plan & billing → Manage payment. It takes about thirty seconds. There is no phone call, no form, and nobody will try to talk you out of it.

Your subscription then runs to the end of the month you have already paid for. You keep everything until then and you are not charged again.

Only the workspace administrator can change or cancel the subscription, because that is the person whose card is on file. If you are a member of a household and not its administrator, you cannot stop a charge — but you can always export your own data, and you can always write to us.

Cancelling never deletes anything. Your workspace returns to the free plan and your data stays where it is.

A5. Refunds

If LobiPlan is not for you, tell us and we will give your money back. No form, no reason required, no retention offer.

Your first 30 days on a paid plan — unconditional. If you cancel within 30 days of your first payment, write to bsimba6@gmail.com and we will refund that payment in full. You do not need to give a reason and we will not ask for one. Refunds go back to the card you paid with, usually within 5–10 business days depending on your bank. This applies to your first paid month; it is not a monthly reset.

Later months. We do not automatically refund part-months, because you had the service for that month. But if you cancel in the first few days of a billing month and you have barely used it, write to us — we will almost certainly refund it. We would rather do that than keep money for a month you did not want.

If we were at fault. If the Service was unavailable for an extended period, if we charged you after you cancelled, if we billed an amount you did not agree to, or if a bug lost your work — write to us and we will make it right, whenever it happened. The 30-day window is for changing your mind. It does not limit anything else, and it does not limit your rights under Canadian consumer law.

A refund returns the Canadian-dollar amount we charged, not the local amount your statement displayed. Exchange rates move between a charge and a refund, so a full refund can still arrive as a slightly different number.

The free plan is free. There is nothing to cancel and nothing to refund.

A6. Price changes

If we ever raise the price of a plan you are on, we will email you at least 30 days beforehand, and you can cancel before it takes effect. We will not change what you pay without telling you first, and a price change never applies to a period you have already paid for.

A7. Liability

Our cap for a household workspace is the greater of the Fees you paid in the preceding 12 months or CAD $50 — read together with A1, which comes first.

A8. Where you can sue us

Nova Scotia courts, or the courts of the province where you live. Your choice.

A9. What is not in this Schedule

There is no confidentiality obligation, no IP indemnity from us, and no publicity clause. A household does not need any of them.

Schedule B — Organization workspaces

This Schedule applies to organization workspaces. Where it disagrees with the numbered sections above, this Schedule wins. Where a signed Order Form disagrees with this Schedule, the Order Form wins.

B1. Pricing

Business plans are not on sale through the website today. The three business tiers are unpriced and the product says so — "Not on sale yet" is an accurate statement of where they are, not an error.

Until they are priced, an organization is served under an Order Form, which sets the fee, the term, the seat count, the renewal terms and anything else that has been negotiated. [TO CONFIRM: whether business tiers go on sale this quarter. If they do, B1, B3 and B5 need pricing, refund and renewal terms written for a self-serve purchase.]

B2. Pilots are not trials

Where we give an organization a period of free evaluation access, that is a Pilot, not a free trial. A Pilot has a named end date, a named outcome on that date, and a named person on each side, all recorded in an Order Form. Nothing converts automatically and nothing is charged automatically.

B3. Refunds

Fees are non-refundable except as set out in an Order Form, or where section 15.1 (warranty remedy) or section 19.3 (we discontinue the Service) applies.

B4. Consumer-protection law does not apply here

The savings clause in A1 is for households. An organization contracts as a business, and the disclaimers in section 15 and the cap in section 16 apply in full.

B5. Liability

The cap is the greater of the Fees paid in the preceding 12 months or CAD $5,000. Where a tier is priced or an Order Form is signed, the Order Form may set a different figure, and it prevails.

B6. Our IP indemnity to you

We will defend you against a third-party claim that the Service, as we provided it, infringes that party's intellectual property, and we will pay damages finally awarded — up to the cap in B5.

If such a claim arises, we may at our option procure the right for you to keep using the Service, modify it so the claim no longer applies, or terminate and refund prepaid Fees for the unused period. We control the defence, and you must tell us promptly and co-operate.

This does not cover: your Customer Data; combinations with anything we did not supply; use contrary to the Documentation; or Outputs (section 10.2).

B7. Confidentiality

Each of us will keep the other's confidential information confidential, use it only for this agreement, and protect it with at least reasonable care. This lasts for three years after termination. It does not apply to information that is public without our fault, that the recipient already had, that it develops independently, or that it must disclose by law — and in that last case the recipient tells the other party first where it lawfully can.

B8. Publicity

Neither of us uses the other's name or logo publicly without written consent. If you are happy for us to say you are a customer, we will need that in writing.

B9. Notices and the account administrator

You must keep the workspace administrator's email address current. Approvals, digests and confirmation links all travel by email, so an out-of-date address breaks the product as well as the notice clause.

B10. What we have not built, and will not pretend to have

• No service level agreement. Section 14. If you need one, it goes in an Order Form and it needs monitoring to exist first.
• No security certification. We hold no SOC 2 report and no ISO 27001 certificate, we have had no third-party audit and no external penetration test, and we will not imply otherwise. What we do have is described at Security, and we would rather you assessed that than a logo.
• No customer audit right and no insurance covenant in these Terms. We are not going to write a promise we cannot keep today. If your procurement requires either, tell us at the start of the review rather than the end.
• No Data Processing Addendum published here. For an organization workspace, you are the controller of your members' work data and we are your processor. If your review needs a signed DPA, ask us and we will work from your template.

Changes to this document

Non-material changes — typos, clarifications, a new subprocessor of a kind already listed — are published here with the version bumped and a line in the changelog below.

Material changes — price, liability, how we handle data, or a new category of processing — get 30 days' notice by email to every workspace administrator, and a notice in the product.

• For an organization, continuing to use the Service after those 30 days is acceptance.
• For a household, and for any change that raises a price or reduces a security or privacy commitment, we will ask you to accept it with a click. We will not treat silence as agreement to those.

We never apply a change retroactively to a period you have already paid for.

Previous versions of this document are available on request from bsimba6@gmail.com.

Changelog

LobiPlan for organizations · LobiPlan for households · bsimba6@gmail.com