Terms of Service

1. Agreement to these terms

These Terms of Service govern your access to and use of Goldie at GoldieGo.com. By creating an account and accepting these terms, you enter into a binding agreement with Goldie. If you do not agree, do not create an account or use the service.

These terms incorporate the Privacy Policy and the Financial Education Disclaimer. The disclaimer is a material part of this agreement and describes important limits on what Goldie is and what its output means.

2. Eligibility

You must be at least 18 years old and able to form a binding contract to use Goldie. You agree to provide accurate registration information and to keep it current.

3. What Goldie is

Goldie is an educational and decision-support service. It analyses information you provide and produces plans, rankings, scenarios, and explanations intended to help you understand your financial situation and decide what to do next.

Goldie is not a registered investment adviser, broker-dealer, CPA, tax preparer, attorney, insurance producer, lender, or fiduciary, and its output is not individualized investment, tax, accounting, or legal advice. Using Goldie does not create an advisory or fiduciary relationship. Please read the Financial Education Disclaimer in full.

4. Your account

You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account. Notify us promptly if you believe your account has been accessed without your authorisation. You may not share your account with, or transfer it to, anyone else.

5. Required consents

Before using Goldie you must expressly accept these terms, the Privacy Policy, and the Financial Education Disclaimer, and you must expressly consent to AI processing of the information you provide. Each acceptance is recorded with its document version and timestamp.

You may withdraw a consent at any time. Because AI processing is essential to how Goldie works, withdrawing that consent means Goldie can no longer generate or refine plans for you and your use of the service will end.

6. Founding beta

Goldie is currently offered as a founding beta. The service is still being developed, and features may change, be added, or be removed. Availability may be interrupted, and output quality may vary as the product is refined. You should take this into account in deciding how much weight to place on Goldie's output.

7. Payment

Access to the founding beta is sold for a one-time fee of $49. This is not a subscription; no recurring charge is made and nothing renews automatically.

Payment is processed by a third-party payment processor. Goldie does not receive or store your full card details. Prices are stated in US dollars and exclude any taxes that may apply.

If you are dissatisfied, contact us through the route published on GoldieGo.com and we will consider refund requests in good faith. Nothing in this section limits any refund right you have under applicable consumer-protection law.

8. Your information and content

You retain ownership of the information you provide. You grant Goldie a limited licence to process, store, and transmit that information as necessary to operate the service and produce your plan, as described in the Privacy Policy.

You represent that you have the right to provide the information you submit, and that submitting it does not breach any obligation you owe to anyone else.

9. Acceptable use

You agree not to:

• use Goldie for any unlawful purpose or in breach of any regulation
• present Goldie's output as professional advice from a licensed adviser, accountant, or attorney, whether to yourself or to others
• resell, redistribute, or commercially exploit Goldie's output without our written permission
• attempt to reverse-engineer, scrape, or extract the underlying models, prompts, or systems
• interfere with the operation or security of the service, or attempt to access data belonging to another user
• submit information about another person without a lawful basis for doing so
• use the service to build a competing product

10. Intellectual property

Goldie, its name, its interface, its underlying software, and its plan methodology are owned by Goldie and protected by intellectual property law. Subject to these terms, you receive a personal, non-exclusive, non-transferable right to use the service and to use your own plan for your own purposes.

11. Disclaimer of warranties

The service is provided “as is” and “as available” without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.

Goldie does not warrant that the service will be uninterrupted or error-free, or that its output will be accurate, complete, current, or suitable for your circumstances. AI-generated output may contain errors, and you are responsible for verifying important information before relying on it.

12. Limitation of liability

To the maximum extent permitted by law, Goldie will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, savings, investment returns, business, or data, arising out of or relating to your use of the service — including any financial decision you make in reliance on its output.

To the maximum extent permitted by law, Goldie's total aggregate liability arising out of or relating to the service will not exceed the amount you paid to Goldie in the twelve months preceding the event giving rise to the claim.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above may not apply to you. Nothing in these terms excludes liability that cannot lawfully be excluded.

13. Indemnification

You agree to indemnify and hold Goldie harmless from claims, losses, and expenses arising out of your misuse of the service, your breach of these terms, or your infringement of the rights of any third party.

14. Suspension and termination

You may stop using Goldie and request deletion of your account at any time. We may suspend or terminate your access if you breach these terms, if we are required to do so by law, or if continuing to provide the service to you would create legal or security risk. Sections that by their nature should survive termination will survive it.

15. Changes to the service and to these terms

We may modify the service and may update these terms as Goldie develops. Where a change is material, we will issue a new version and may require you to review and accept the updated terms before continuing to use the service.

16. Governing law and disputes

These terms are governed by the laws of the United States and of the state in which Goldie is established, without regard to conflict-of-laws rules. The parties will attempt in good faith to resolve any dispute informally before commencing formal proceedings.

17. General

These terms, together with the Privacy Policy and the Financial Education Disclaimer, are the entire agreement between you and Goldie concerning the service. If any provision is held unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver of it. You may not assign this agreement without our consent.

18. Contact

Questions about these terms can be directed to Goldie through the contact route published on GoldieGo.com.