Terms

1. About these terms

These terms apply when you visit the PlanHouse marketing website at planhouse.ai and when your firm uses the PlanHouse application at app.planhouse.ai. By visiting the site or signing in to the application you agree to these terms.

Where we have a separate written agreement with your firm (for example, a beta access agreement), that agreement governs the items it covers and these terms govern the rest. In these terms, "PlanHouse", "we", "us" and "our" refer to the operators of the PlanHouse service; "you" and "your" refer to your firm and the people in it using PlanHouse.

2. The service

PlanHouse is a productivity and workflow tool for licensed financial advisers in Australia and New Zealand. It helps advisers manage client records, prepare and document advice, model projections, track compliance obligations and use AI-assisted drafting.

PlanHouse is not an Australian Financial Services Licence (AFSL) holder or an authorised representative; it is not a Financial Advice Provider under the New Zealand Financial Markets Conduct Act. PlanHouse does not provide financial advice to consumers. Every AI output is a draft for adviser review. Your firm and its advisers remain solely responsible for the advice they provide to clients, for their licensing obligations, and for the accuracy and suitability of any document they finalise using PlanHouse.

PlanHouse is currently in private beta. Features may change, access may be limited, and the service may not be free of defects. We will give reasonable notice of material changes that affect existing firms, and we will not remove a major piece of your content (for example, your generated advice documents or your client records) without reasonable notice and an export path.

3. Accounts

New firm accounts during private beta are created by us after an introductory conversation. Your firm is responsible for identifying the people in it who use PlanHouse, assigning appropriate roles, and removing access when someone no longer needs it. Your firm is responsible for the actions taken under its users' credentials.

Users must keep their credentials confidential, must not share them, and should enrol in two-factor authentication when offered. Firm administrators may require two-factor authentication for everyone in the firm. Tell us promptly at [email protected] if you suspect any unauthorised access to a firm account.

4. Acceptable use

You agree not to:

• use PlanHouse in any way that breaches applicable law, your professional licensing obligations or the rights of any other person;
• upload content you do not have the right to share, or content that is unlawful, defamatory or infringes intellectual property;
• upload malware or attempt to introduce malicious code;
• attempt to gain unauthorised access to PlanHouse, to any other firm's data, or to underlying infrastructure;
• probe, scan or penetration-test PlanHouse except with our prior written consent (see our security page for how to responsibly report a vulnerability);
• reverse-engineer or attempt to extract source code, except to the extent this restriction is prohibited by law;
• resell or sublicense PlanHouse to a third party who is not a user of your firm; or
• use AI features in a way that is calculated to circumvent the adviser-review workflow that is core to how PlanHouse is designed.

We may suspend access where these terms are breached. Where the breach is material or repeated, we may terminate.

5. Your content and our intellectual property

You retain ownership of the content your firm submits to PlanHouse — client records, fact-finds, file notes, generated advice documents and uploaded files. You grant us a limited, non-exclusive licence to host, copy, transmit, display and process your content only as necessary to provide the service to your firm. We do not claim ownership of your content and we do not use it to train AI models (see section 6).

We retain ownership of PlanHouse itself — the name, brand, software, designs, documentation and the templates we author. Subject to these terms, we grant your firm a limited, non-exclusive, non-transferable right to access and use PlanHouse during the term.

We may produce aggregated, de-identified statistics from service usage (for example, "the average firm has X clients"). Aggregated information is not your content.

6. AI features

PlanHouse's AI features draft sections of advice documents, summarise notes, suggest strategies, prepare review packs and similar tasks. They are designed to assist a licensed adviser, not to replace one. Every AI output is a draft. The adviser is responsible for reviewing, correcting and approving each draft before it is finalised or shared with a client.

We use Anthropic's Claude API under Anthropic's commercial terms. Under those terms, Anthropic does not use API inputs or outputs to train or improve their models; Anthropic may retain request and response data for a short period for safety and abuse monitoring as described in their API terms. Requests are sent to Anthropic only as needed to fulfil a specific AI task and are not blended across clients or firms.

AI outputs may be inaccurate, incomplete, out of date or inappropriate to the situation. You acknowledge this and agree not to rely on AI output as a substitute for adviser judgment. To the maximum extent permitted by law, we accept no liability for any decision an adviser takes on the basis of AI output they have not reviewed and approved.

7. Data protection

Our handling of personal information is described in our privacy policy, on our security page, and on our sub-processors page. As between PlanHouse and your firm, your firm is the controller of personal information about its clients and PlanHouse is the processor; we handle that information only on your firm's documented instructions, except where we are required to act otherwise by law. Your firm is responsible for the lawful basis on which it collects and uses client information and for any notices or consents required from clients.

8. Warranties and disclaimers

Each party warrants that it has the authority to enter into these terms and that performing them will not breach any other agreement to which it is a party. Your firm warrants that it and its users hold all necessary licences, authorisations and consents to use PlanHouse for its intended purpose.

PlanHouse is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, we exclude all implied warranties, including warranties of merchantability, fitness for a particular purpose and non-infringement. We do not warrant that PlanHouse will be uninterrupted, error-free or completely secure.

Nothing in these terms excludes, restricts or modifies any guarantee, right or remedy that cannot be excluded under the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) or the New Zealand Consumer Guarantees Act 1993, where they apply. Where we are entitled to limit our liability for breach of a non-excludable guarantee, our liability is limited, at our election, to re-supplying the service or refunding fees paid for the affected service period.

9. Limitation of liability

To the maximum extent permitted by law, neither party is liable to the other for any indirect, incidental, special or consequential loss, loss of profits, loss of revenue, loss of business opportunity, or loss of or corruption of data.

Your firm acknowledges that PlanHouse is a productivity tool and that your firm — not PlanHouse — is responsible for the financial advice given to your clients and the regulatory consequences of that advice. Liability for the advice itself sits with your firm and its licensee.

10. Termination and data export

These terms apply from the moment you start using PlanHouse and continue until terminated. Either party may terminate by giving the other reasonable notice. We may terminate immediately if your firm materially breaches these terms or if continued provision would put us, the service or other firms at material risk.

For a reasonable period after termination — at least thirty days unless the law requires otherwise — we will keep your content available for export. After that window we may delete your content from production systems. Residual copies in backups expire on the backup retention cycle (currently 30 days) and are then overwritten.

11. Governing law and disputes

These terms are governed by the laws of New South Wales, Australia. The parties submit to the non-exclusive jurisdiction of the courts of New South Wales. If a dispute arises, the parties will first attempt to resolve it through good-faith discussion before commencing court proceedings, except where urgent relief is needed.

12. Changes, general, contact

We may update these terms from time to time. The "last updated" date at the top reflects the current version. Material changes will be notified to active firms by email; minor clarifications may be made without notice.

If any part of these terms is unenforceable, the rest continues to apply. If we don't enforce a right immediately, we have not waived it. Neither party is liable for delay or failure caused by events beyond its reasonable control.

For anything to do with these terms, email [email protected].