Terms of Service

What the Platform Does

• Hosts Tools built by Builders for other Users, with free (Explorer) and paid (Practitioner, $40/mo) tiers, Builder revenue share, and optional Remix (Sections 5–6).
• Supports optional integrations with third-party CRMs, custodians, and payment processors (Section 8).

What the Platform Does Not Do

• Provide investment, tax, or legal advice to you or your clients.
• Supervise, endorse, or audit any Tool's professional suitability.
• Assume fiduciary duty to your clients.

PlannerXchange is built for financial and tax professionals. Access is by invitation during the current phase, and PlannerXchange may approve, deny, or revoke access at its discretion.

• You have authority to agree to these Terms, including on behalf of your firm if accessing professionally.
• Your use complies with your own firm's policies, and you're responsible for any disclosures your firm requires around AI tool use.

For vendor documentation, see Section 17.

You accept full professional responsibility for any advice you deliver that is informed by or derived from a Tool's Output, and for keeping records of that use consistent with your own recordkeeping obligations.

Marketplace Tools & Builder-Published Content

Tools published by Builders, including white-labeled and beta Tools, are subject to the same standard. Builders are responsible for the accuracy of claims they make about a Tool's capabilities (Section 5). PlannerXchange does not guarantee that any Tool is suitable for a specific client, jurisdiction, or planning situation.

Users may white-label a Tool (apply their own branding to it) only where the listing or subscription tier permits it. You're responsible for the accuracy and compliance of any branding, disclosures, or client-facing language you add, and PlannerXchange may remove a white-labeled deployment that violates these Terms, applicable law, or third-party rights. White-label features may also be offered as Beta Features (Section 6) and can change before general availability.

Marketplace Publishing & App Submissions

Before a Tool is published and listed on the Marketplace, it goes through PlannerXchange's internal security review. PlannerXchange may reject, edit, delist, or suspend any Marketplace listing at its discretion, including after publication, for security, legal, or quality concerns. Builders are solely responsible for maintaining, supporting, and updating their published Tools.

Beta Features, anything PlannerXchange designates as "beta," "early access," or "preview," are experimental, may change or be removed without notice, and should not be relied on as your sole compliance, planning, or client-service system. Beta access and any "founding" or privileged pricing may be offered for a limited time and aren't guaranteed to continue once a feature reaches general availability (pricing changes follow Section 16). By using a Beta Feature, you agree to provide feedback on request, which PlannerXchange may use to improve the Platform without compensation to you.

A. How PlannerXchange Gets Paid

• Explorer Users Free: No subscription fee. Builders earn 30% revenue share on tools they publish.
• Practitioner Users $40/mo: Software subscription paid by User to PlannerXchange. Not a commission, referral fee, or product-based compensation.
• Builder Revenue Share Builder: B2B software licensing income distributed from subscription fees collected from other Users.

B. Builder Revenue Share and Fee-Only Status

Builder Revenue Share works like a book royalty, a CE course fee, or a paid speaking engagement: compensation for sharing the professional knowledge you built into a Tool, not income from client transactions or product sales. Many advisors already earn this kind of income while remaining fee-only. That said, PlannerXchange makes no binding determination about your fee-only status under NAPFA, XYPN, Garrett, or ACP standards; that determination belongs to you and your compliance counsel.

C. Payment Processing

Payments on the Platform, including subscriptions, Builder payouts, and any Marketplace monetization, are processed by Stripe.

A. Third-Party Data Integrations

• You can connect the Platform to third-party tools like CRMs (e.g., Wealthbox) or custodians (e.g., Altruist) at your own discretion ("Connected Services").
• You're responsible for having the rights and consent needed to connect and use that data. PlannerXchange isn't responsible for a Connected Service's accuracy, uptime, or permissions, and integrations may change or be discontinued at any time.
• Verify any data pulled from a Connected Service before relying on it for a client.

B. Email & Messaging Features

• Review and approve any generated or AI-assisted communication before it's sent; PlannerXchange doesn't guarantee its accuracy or deliverability.
• Don't use these features to send spam or communications that violate marketing, privacy, or advisor compliance rules.

Using PlannerXchange doesn't reduce or satisfy any of your existing regulatory or firm obligations; that responsibility, and any disclosures it requires (e.g., in your Form ADV), stays with you.

Vendor documentation is available on request. Response time: [10] business days. Contact: Section 17.

What We Store

We process your account data, usage data, and anything you input into a Tool, to operate the Platform and communicate with you (full detail in our [Privacy Policy URL]).

Security Controls

• Data is encrypted in transit (TLS 1.2+) and at rest.
• Access is role-based and limited to what's needed.
• We'll notify affected Users within [72 hours] of confirming a security incident.

Your Responsibility

• PlannerXchange can't guarantee individual Builders' data handling; review a Tool's disclosures before client-adjacent use.
• You remain responsible for your own regulatory and firm compliance (Section 9).

We don't sell, rent, or share your data with third parties for marketing. Tools may route inputs to third-party AI providers, which generally don't train on your inputs, but check each provider's terms before compliance-sensitive use.

Builder & Data Ownership

Builders keep ownership of their Tools and contributed IP; listing a Tool just gives PlannerXchange a license to display and distribute it (Section 5). Data you input into a Tool belongs to you; if it came from a Connected Service via API (Section 8), it's still subject to that provider's terms.

Remix

Where a Builder opts in, Practitioners may adapt their Tool into a derivative, but must not misrepresent its origin or falsely attribute the original Builder. PlannerXchange isn't liable for Builder/User disputes arising from Remix use.

Platform IP & Feedback

The PlannerXchange brand, marketplace, and platform are our IP; using the Platform doesn't license you to reproduce or commercialize them. Any feedback or ideas you share with us may be used to operate and improve the Platform, without compensation or attribution owed to you.

A. Community & Feedback Channels

• Community Spaces (for example, a beta-tester Slack channel) are for exchanging feedback and connecting with other Users. Don't share confidential client information, client PII, passwords, API keys, or proprietary third-party content there.
• PlannerXchange may moderate, remove content from, or close a Community Space at its discretion. Feedback shared there is subject to the Feedback License in Section 11, and comments posted there aren't professional advice.

B. Presenter & Event Terms

If you present, demonstrate, or otherwise appear in a PlannerXchange-hosted event or recorded session (including "AI Lunch Club"), you grant PlannerXchange a license to record, edit, and reuse that session and any Presenter Content, including posting it to YouTube, the Platform, or marketing materials. You represent that you hold the rights to anything you present and agree not to disclose confidential or nonpublic client information during a session; you remain responsible for your own compliance review of your Presenter Content. PlannerXchange may edit, decline to publish, or remove a recording at its discretion.

Disclaimer of Warranties

THE PLATFORM AND ALL TOOLS, INCLUDING BETA FEATURES, WHITE-LABEL DEPLOYMENTS, MARKETPLACE LISTINGS, AND CONNECTED SERVICES, ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND. PLANNERXCHANGE EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, NON-INFRINGEMENT, REGULATORY COMPLIANCE, OR PROFESSIONAL SUFFICIENCY.

PlannerXchange doesn't warrant that any Output is accurate, that the Platform will be uninterrupted, or that using a Tool satisfies any regulatory obligation.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PLANNERXCHANGE AND ITS OWNERS, OFFICERS, EMPLOYEES, BUILDERS, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSSES FROM RELIANCE ON AN INACCURATE TOOL OUTPUT, A BETA FEATURE, A CONNECTED SERVICE, A WHITE-LABEL DEPLOYMENT, REGULATORY ACTIONS, CLIENT CLAIMS, COMPLIANCE FAILURES, OR PROFESSIONAL DISCIPLINE, EVEN IF PLANNERXCHANGE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

PlannerXchange's total aggregate liability to any User shall not exceed the greater of (a) subscription fees paid by that User in the preceding 12 months, or (b) [$100 USD]. This cap reflects our role as a technology provider, not a financial firm assuming fiduciary exposure.

Indemnification

You agree to defend, indemnify, and hold harmless PlannerXchange and its owners, officers, employees, Builders, and affiliates from claims arising from: violating these Terms; relying on an Output without Professional Validation; a Beta Feature, Connected Service, or White-Label Deployment you used; or any client claim arising from your Platform use.

PlannerXchange may suspend or terminate your account for material violation of these Terms, including false registration, Platform use creating legal or regulatory risk for PlannerXchange, or non-payment of Practitioner fees. You may cancel at any time; Practitioner cancellation takes effect at end of the current billing period. Builder Revenue Share accrued before termination will be paid per the standard schedule. Sections 1, 4, 5, 6, 7, 11, 13, 15, and 16 survive termination.

These Terms are governed by the laws of the State of Pennsylvania, without regard to conflict-of-law principles. Disputes that cannot be resolved informally shall be submitted to binding arbitration under the rules of [AAA / JAMS] in [City, Pennsylvania]. Each party waives the right to participate in any class action or class arbitration.

PlannerXchange may update these Terms at any time. Material changes will be communicated by email and/or Platform notice at least [14] days before the effective date. Continued use after the effective date constitutes acceptance. If you do not agree to updated Terms, cancel before the effective date.

• General: hello@plannerxchange.ai
• Security / compliance documentation: [security@plannerxchange.ai]
• Vendor due diligence requests: Email subject: "Vendor Due Diligence Request: [Firm Name]"
• Security questionnaire (SIG Lite / CAIQ): Available on request
• Mailing address: [PlannerXchange LLC, City, PA]

Response time: [10] business days for documentation requests.