Terms of Service

Niki Staben, doing business as Legacy AI

These Terms of Service ("Terms") are a legal agreement between you ("you" or "User") and Niki Staben, an individual doing business as "Legacy AI" (a California sole proprietorship) ("LEGACY AI," "we," "us," or "our"), governing your access to and use of the LEGACY AI website, the LEGACY FOUNDERS ACADEMY curriculum, the "LEGACY" AI mentor feature, the community Win Wall, and any related applications or services (collectively, the "Service"). By creating an account, accessing, or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1.1 You must be at least 18 years old, or the age of majority in your jurisdiction, to create an account and use the Service. The Service is not directed to, and we do not knowingly collect personal information from, children under 13. If we learn that a person under 13 has provided us with personal information, we will take steps to delete that information.

1.2 By using the Service, you represent that you have the legal capacity to enter into a binding contract and that your use of the Service does not violate any applicable law.

2.1 Description. LEGACY AI provides business and entrepreneurship education content, including the LEGACY FOUNDERS ACADEMY curriculum, interactive exercises, an AI-powered mentor chat feature ("LEGACY"), progress tracking and gamification (including scores and badges), and a community feature ("Win Wall") where users may share their progress and experiences.

2.2 Educational Purpose Only. THE SERVICE, INCLUDING ALL CURRICULUM CONTENT AND ALL OUTPUT FROM THE LEGACY AI MENTOR FEATURE, IS PROVIDED FOR GENERAL BUSINESS EDUCATION AND INFORMATIONAL PURPOSES ONLY. IT DOES NOT CONSTITUTE LEGAL, TAX, ACCOUNTING, FINANCIAL, INVESTMENT, OR OTHER PROFESSIONAL ADVICE, AND IS NOT A SUBSTITUTE FOR CONSULTATION WITH A QUALIFIED PROFESSIONAL LICENSED IN YOUR JURISDICTION. YOU SHOULD CONSULT A QUALIFIED ATTORNEY, ACCOUNTANT, OR OTHER LICENSED PROFESSIONAL BEFORE MAKING BUSINESS, LEGAL, OR FINANCIAL DECISIONS BASED ON THE SERVICE.

2.3 No Guarantee of Results. WE DO NOT GUARANTEE ANY PARTICULAR BUSINESS RESULT, INCOME, PROFIT, CUSTOMER OUTCOME, OR SUCCESS FROM USING THE SERVICE. YOUR RESULTS WILL DEPEND ON MANY FACTORS OUTSIDE OUR CONTROL, INCLUDING YOUR OWN EFFORT, MARKET CONDITIONS, AND EXECUTION. TESTIMONIALS, EXAMPLES, AND SCORES REFLECTED IN THE SERVICE ARE NOT REPRESENTATIVE OF RESULTS ANY PARTICULAR USER WILL ACHIEVE.

2.4 AI Mentor Disclaimer. The "LEGACY" AI mentor feature uses artificial intelligence to generate responses, feedback, and suggestions. AI-generated content may be incomplete, generic, or, on occasion, inaccurate ("hallucinated"). You should independently verify any factual, legal, financial, or technical claim generated by the AI mentor before relying on it. The AI mentor is not a licensed advisor of any kind and does not form any professional or fiduciary relationship with you.

3.1 Registration. To access most features of the Service, you must create an account and provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.

3.2 Notification. You agree to notify us promptly at support@legacyfoundersacademy.com of any unauthorized use of your account or any other breach of security.

3.3 One Account Per Person. Accounts are personal to you and may not be shared, sold, or transferred without our prior written consent.

4.1 Paid Plans. Certain features of the Service require payment of subscription fees as described on our pricing page at the time of purchase. Prices are subject to change on prospective renewals with advance notice as described in Section 4.4.

4.2 Billing and Auto-Renewal. If you purchase a subscription, you authorize us (or our third-party payment processor) to charge your payment method on a recurring basis (e.g., monthly or annually, as selected at checkout) until you cancel. Subscriptions automatically renew at the then-current price unless cancelled prior to the renewal date in accordance with Section 4.5.

4.3 Third-Party Payment Processing. Payments are processed by a third-party payment processor (e.g., Stripe). We do not store your full payment card number. Your use of the payment processor's services is subject to that processor's own terms and privacy policy.

4.4 Price Changes. We will provide at least 30 days' advance notice (by email or in-app notice) of any price increase that will apply to your subscription renewal. Continued use of the Service after a price change takes effect constitutes acceptance of the new price.

4.5 Cancellation. You may cancel your subscription at any time through your account settings or by contacting support@legacyfoundersacademy.com. Cancellation will take effect at the end of the then-current billing period, and you will retain access through that period. See our Refund & Cancellation Policy for details on refund eligibility.

4.6 Taxes. Fees are exclusive of applicable taxes unless stated otherwise, and you are responsible for any sales, use, or similar taxes associated with your purchase, other than taxes on our net income.

5.1 Your Content. "User Content" means any content you submit to the Service, including Win Wall posts, comments, exercise responses, and profile information. You retain ownership of your User Content.

5.2 License to Us. By submitting User Content, you grant LEGACY AI a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, reproduce, display, and distribute your User Content solely in connection with operating, promoting, and improving the Service (for example, displaying your Win Wall post to other users, or featuring an anonymized or attributed success story with your separate consent).

5.3 Community Guidelines. The Win Wall is a public or semi-public community feature. Do not post content that is unlawful, harassing, defamatory, infringing, deceptive, or that discloses another person's private information without consent. We may remove User Content and suspend accounts that violate these Terms, in our reasonable discretion.

5.4 No Endorsement. User Content, including Win Wall posts, reflects the views of the individual user and not of LEGACY AI, and is not verified, endorsed, or guaranteed by us.

6.1 Our Content. The Service, including the LEGACY FOUNDERS ACADEMY curriculum, all lesson content, software, design, trademarks ("LEGACY AI," "LEGACY FOUNDERS ACADEMY," and associated logos), and other materials (excluding User Content), are owned by LEGACY AI or its licensors and are protected by copyright, trademark, and other intellectual property laws.

6.2 Limited License to You. Subject to your compliance with these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your own personal or internal business education purposes. You may not resell, redistribute, publicly republish, or create derivative curricula from our content without our prior written consent.

6.3 Feedback. If you provide us with suggestions or feedback about the Service, you grant us the right to use that feedback without restriction or compensation to you.

You agree not to: (a) copy, scrape, or reverse-engineer the Service or its curriculum content beyond what is permitted by applicable law; (b) use automated means (bots, scrapers) to access the Service without our permission; (c) attempt to circumvent payment or access controls; (d) use the Service to build a directly competing product using our content; (e) upload malicious code; or (f) use the Service in any way that violates applicable law or infringes the rights of others.

The Service may integrate with or link to third-party services (such as payment processors or AI model providers). We are not responsible for the practices or content of third-party services, which are governed by their own terms and privacy policies.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT AI-GENERATED CONTENT WILL BE ACCURATE OR COMPLETE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LEGACY AI AND ITS OFFICERS, MEMBERS, EMPLOYEES, AND CONTRACTORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100). NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE CALIFORNIA LAW, INCLUDING LIABILITY FOR GROSS NEGLIGENCE, FRAUD, OR WILLFUL MISCONDUCT.

You agree to indemnify and hold harmless LEGACY AI and its officers, members, employees, and contractors from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of your violation of these Terms, your User Content, or your misuse of the Service, except to the extent caused by our own breach of these Terms or violation of law.

12.1 By You. You may stop using the Service and, if applicable, cancel your subscription at any time as described in Section 4.5.

12.2 By Us. We may suspend or terminate your account if we reasonably believe you have violated these Terms, engaged in fraudulent or abusive conduct, or if required by law, with notice where reasonably practicable.

12.3 Effect of Termination. Upon termination, your right to access the Service ends. Sections that by their nature should survive termination (including Sections 6, 9, 10, 11, and 13) will survive.

13.1 Informal Resolution First. Before filing a claim against LEGACY AI, you agree to first contact us at support@legacyfoundersacademy.com and attempt in good faith to resolve the dispute informally for at least 30 days.

13.2 Binding Arbitration. If a dispute is not resolved informally, you and LEGACY AI agree that any dispute arising out of or relating to these Terms or the Service will be resolved by binding, individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court, except as set forth below. The arbitration will be held in Placer, California, or conducted remotely/by written submission at the arbitrator's discretion.

13.3 Class Action Waiver. YOU AND LEGACY AI AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Notwithstanding the foregoing, either party retains the right to bring a claim seeking public injunctive relief in court to the extent such a waiver is unenforceable under applicable California law (see Broughton v. Cigna Healthplans / McGill v. Citibank).

13.4 Exceptions. Either party may bring an individual action in small claims court, and either party may seek injunctive or other equitable relief in court to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights.

13.5 Opt-Out Right. You may opt out of this arbitration agreement by sending written notice to 4265 Enchanted Cir, Roseville, CA 95747 within 30 days of first accepting these Terms, stating your name and a clear statement that you wish to opt out of arbitration. If you opt out, disputes will be resolved in the state or federal courts located in Placer, California, as described in Section 13.6.

13.6 Governing Law and Venue (if arbitration does not apply). These Terms are governed by the laws of the State of California, without regard to conflict-of-laws principles. For any dispute not subject to arbitration, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in Placer, California.

We may update these Terms from time to time. If we make material changes, we will provide notice (such as by email or an in-app notice) before the changes take effect. Your continued use of the Service after the effective date of the revised Terms constitutes acceptance.

15.1 Entire Agreement. These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and LEGACY AI regarding the Service.

15.2 Severability. If any provision of these Terms is found unenforceable, the remaining provisions will remain in full effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable.

15.3 No Waiver. Our failure to enforce any provision of these Terms is not a waiver of our right to do so later.

15.4 Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

15.5 Contact. Questions about these Terms may be directed to support@legacyfoundersacademy.com, Niki Staben d/b/a Legacy AI, 4265 Enchanted Cir, Roseville, CA 95747.