​Terms of Use and Subscription Terms

Table of Contents
    1.    Eligibility
    2.    Services
    3.    Accounts
    4.    Purchases, Trials, and Subscriptions
    5.    Automatic Renewal and Cancellation
    6.    Refunds
    7.    Acceptable Use
    8.    AI Features, Assessments, and Informational Disclaimer
    9.    Intellectual Property
    10.    User Content
    11.    Third-Party Services
    12.    Disclaimer of Warranties
    13.    Limitation of Liability
    14.    Indemnification
    15.    Termination
    16.    Governing Law and Dispute Resolution
    17.    Changes to the Terms
    18.    Contact Information

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1. Eligibility

You may use the Services only if:
    •    you are at least 18 years old, or the age of majority in your jurisdiction, whichever is higher;
    •    you have the legal capacity to enter into a binding agreement; and
    •    your use of the Services does not violate any applicable law or regulation.

If you use the Services on behalf of a company, organization, or other entity, you represent and warrant that you have authority to bind that entity to these Terms.

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2. Services

Insightway provides various digital products and services, which may include, depending on the specific offering:
    •    websites and web applications;
    •    mobile applications;
    •    educational, productivity, creative, wellness, self-discovery, or assessment tools;
    •    AI-powered chat, generation, recommendation, assistant, or automation features;
    •    reports, results, analytics, summaries, or premium content;
    •    one-time digital purchases;
    •    trial offers; and
    •    recurring subscription services.

Some Services may have additional product-specific terms, policies, pricing pages, checkout disclosures, or in-app rules. If there is a conflict, the product-specific terms will control for that specific Service.

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3. Accounts

Some features may require you to create an account or provide an email address.

You agree that:
    •    the information you provide will be accurate and current;
    •    you will keep your credentials secure;
    •    you are responsible for all activity under your account;
    •    you will notify us promptly if you believe your account has been accessed without authorization.

We may suspend or terminate accounts that are fraudulent, abusive, misleading, unlawful, or otherwise violate these Terms.

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4. Purchases, Trials, and Subscriptions

4.1 Paid Services

Certain Services require payment. We may offer:
    •    one-time purchases;
    •    limited-time paid access;
    •    free trials;
    •    discounted introductory trials;
    •    automatically renewing subscriptions; and
    •    other promotional billing offers.

Prices, billing periods, trial lengths, renewal terms, and included features will be shown to you at checkout, on the pricing page, or inside the applicable Service.

4.2 Billing Authorization

When you purchase a paid Service, start a trial that converts to a paid plan, or subscribe, you authorize us and our payment processors to:
    •    charge the payment method you provide;
    •    collect recurring subscription fees if applicable;
    •    charge taxes where required;
    •    charge renewal fees unless you cancel before renewal;
    •    process refunds, credits, reversals, disputes, and chargebacks where appropriate.

4.3 Payment Providers

Payments may be processed by third-party providers, including Stripe and other payment partners we may use from time to time.

We do not store full payment card details. Payment processing is handled by the relevant payment provider under its own terms and policies.

4.4 Pricing Changes

We may change prices for future billing periods or future purchases. If required by applicable law, we will provide advance notice before a price change takes effect for an existing subscription. Your continued use of the subscription after the effective date of the price change constitutes acceptance of the new price, unless you cancel before renewal.

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5. Automatic Renewal and Cancellation

5.1 Automatic Renewal

If you purchase a subscription, it may automatically renew at the end of each billing period unless you cancel before renewal.

By subscribing, you authorize recurring billing using your selected payment method until canceled.

5.2 Trial Conversion

If you start a free or discounted trial for a subscription, the subscription may automatically convert into a paid subscription at the end of the trial period unless you cancel before the conversion date.

5.3 Clear Disclosure and Cancellation

For subscriptions and trial-to-paid offers, we intend to present material billing terms clearly before purchase, including whether the plan renews automatically, when charges occur, and how to cancel. Delaware law requires clear disclosure of automatic renewal terms and an online cancellation method when the contract was entered online, and the FTC has also adopted a “click-to-cancel” framework for recurring subscriptions.  

5.4 How to Cancel

You may cancel:
    •    through your account settings, where available;
    •    through the billing or subscription interface of the applicable Service;
    •    through the platform provider, if you subscribed via Apple App Store, Google Play, or another third-party platform; or
    •    by contacting us at info@insightway.org, if no self-service option is available.

Unless otherwise stated, cancellation stops future renewals but does not retroactively cancel charges already incurred for the current billing period.

5.5 Platform Billing

If you subscribe through Apple, Google, or another app marketplace, your subscription is billed and managed by that platform, and cancellation must usually be completed through that platform’s subscription settings. We are not responsible for the billing practices of third-party platforms.

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6. Refunds

6.1 General Rule

Except where required by applicable law, all purchases are final and non-refundable once digital access has been granted, content has been unlocked, a report has been delivered, or a subscription period has started.

6.2 Exceptions

We may, in our sole discretion, provide a refund, full or partial credit, service extension, or other accommodation in cases such as:
    •    duplicate charges;
    •    technical failures preventing reasonable access to the purchased Service;
    •    billing errors;
    •    unauthorized transactions, subject to review; or
    •    other circumstances where we determine a refund is appropriate.

6.3 Chargebacks and Payment Disputes

If you initiate a chargeback or payment dispute, we may suspend or terminate access to the affected Service while the matter is reviewed. We reserve the right to contest unjustified chargebacks and to provide transaction records, acceptance logs, usage data, and checkout records to our payment providers or financial institutions as permitted by law.

6.4 EU/EEA/UK Digital Content Notice

If you are in the EU, EEA, or UK and receive digital content or digital services immediately after purchase, your statutory withdrawal rights may be limited or waived where permitted by law once performance has begun with your acknowledgment and consent. Consumer protection rules for digital services and subscriptions vary by jurisdiction.  

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7. Acceptable Use

You agree that you will not, and will not assist or permit others to:
    •    violate any law or regulation;
    •    use the Services for fraud, deception, harassment, abuse, or unlawful activity;
    •    interfere with or disrupt the Services or servers;
    •    bypass access restrictions, rate limits, or security controls;
    •    scrape, crawl, copy, reverse engineer, decompile, or extract data from the Services except as expressly permitted by law;
    •    use bots or automated tools in a way that harms the Services or other users;
    •    upload or transmit malware, malicious code, or harmful content;
    •    infringe intellectual property, privacy, publicity, or other rights;
    •    use the Services to generate or distribute illegal, defamatory, infringing, or abusive material;
    •    misuse AI features in a manner that violates law, safety rules, or these Terms.

We may monitor usage, investigate misconduct, and suspend or terminate access where needed to protect the Services, users, or our business.

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8. AI Features, Assessments, and Informational Disclaimer

8.1 AI Features

Some Services may include AI-powered functionality, including chat, assistants, generators, recommendations, or agents. These features may produce outputs that are probabilistic, incomplete, inaccurate, offensive, or not suitable for your intended use.

You are responsible for reviewing and evaluating any AI-generated output before relying on it.

8.2 Assessments and Self-Discovery Tools

Some Services may include quizzes, tests, reports, scoring tools, self-discovery experiences, educational content, wellness-related content, or other similar features.

Unless explicitly stated otherwise, these Services are provided for general informational, educational, entertainment, or personal development purposes only and are not a substitute for professional advice, diagnosis, treatment, counseling, legal advice, financial advice, or other regulated professional services.

8.3 No Professional Advice

Insightway does not provide medical, psychiatric, psychological, therapeutic, legal, tax, investment, or other licensed professional services through the Services unless expressly stated in writing for a specific product.

8.4 No Emergency Use

The Services are not intended for emergencies or urgent/high-risk decision-making. Do not rely on them in situations involving personal safety, health emergencies, legal deadlines, or similar critical matters.

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9. Intellectual Property

The Services, including all software, code, interfaces, text, graphics, designs, reports, content, branding, trademarks, logos, compilations, and related intellectual property, are owned by Insightway or its licensors and are protected by intellectual property and other applicable laws.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services for your personal or internal lawful use only.

You may not:
    •    copy, reproduce, republish, distribute, or publicly display the Services except as expressly allowed;
    •    modify, adapt, translate, or create derivative works from the Services;
    •    sell, resell, lease, sublicense, or commercially exploit the Services without our prior written consent.

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10. User Content

If you submit prompts, messages, uploads, text, feedback, reviews, images, or other content to the Services (“User Content”), you represent and warrant that:
    •    you own or control the necessary rights to the User Content;
    •    the User Content does not violate law or third-party rights; and
    •    the User Content does not contain material you are not authorized to share.

You retain ownership of your User Content, but you grant us a worldwide, non-exclusive, royalty-free license to host, store, reproduce, modify as technically necessary, process, transmit, and display that User Content as needed to operate, improve, secure, and support the Services.

If you provide feedback, suggestions, or ideas, we may use them without restriction or compensation to you.

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11. Third-Party Services

The Services may integrate with or rely on third-party services, including payment providers, hosting providers, analytics tools, app stores, AI providers, communication tools, and advertising or attribution vendors.

We are not responsible for third-party services, websites, policies, or actions. Your use of those third-party services may be subject to their own terms and privacy policies.

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12. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

WE DISCLAIM ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, QUIET ENJOYMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT:
    •    THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE;
    •    RESULTS, SCORES, REPORTS, OR OUTPUTS WILL BE ACCURATE OR RELIABLE;
    •    DEFECTS WILL BE CORRECTED;
    •    THE SERVICES WILL MEET YOUR EXPECTATIONS OR REQUIREMENTS; OR
    •    THE SERVICES OR SERVERS WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Some jurisdictions do not allow certain warranty disclaimers, so some of the above may not apply to you.

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13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:
    •    INSIGHTWAY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, CONTRACTORS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES;
    •    THIS INCLUDES LOSS OF PROFITS, REVENUE, DATA, BUSINESS, GOODWILL, OR OTHER INTANGIBLE LOSSES;
    •    OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF:
(A) THE AMOUNT YOU PAID US FOR THE RELEVANT SERVICE DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM; OR
(B) USD $100.

These limitations apply regardless of the theory of liability and even if a remedy fails of its essential purpose.

Nothing in these Terms excludes or limits liability that cannot be excluded under applicable law.

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14. Indemnification

You agree to defend, indemnify, and hold harmless Insightway and its affiliates, officers, directors, employees, contractors, licensors, and service providers from and against any claims, damages, liabilities, losses, judgments, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:
    •    your use or misuse of the Services;
    •    your User Content;
    •    your violation of these Terms;
    •    your violation of any law or third-party rights; or
    •    your fraud, negligence, or willful misconduct.

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15. Termination

We may suspend, restrict, or terminate your access to any part of the Services at any time, with or without notice, if:
    •    you violate these Terms;
    •    we suspect fraud, abuse, or unlawful conduct;
    •    required by law, regulation, or a court order;
    •    a payment fails or is reversed; or
    •    we discontinue the relevant Service.

You may stop using the Services at any time. If you have a subscription, you must also cancel it to prevent future renewal charges.

Sections that by their nature should survive termination will survive, including provisions on payments, refunds, intellectual property, disclaimers, limitation of liability, indemnification, governing law, and dispute resolution.

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16. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Delaware, without regard to conflict of laws rules.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be brought exclusively in the state or federal courts located in Delaware, and each party consents to the personal jurisdiction and venue of those courts, except where applicable consumer law requires otherwise.

If applicable law in your jurisdiction provides mandatory consumer rights or venue protections, nothing in these Terms is intended to override those non-waivable rights.

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17. Changes to the Terms

We may update these Terms from time to time.

If we make material changes, we may provide notice by posting the updated Terms on the relevant Service, updating the “Last Updated” date, sending an email, or displaying an in-product notice.

Your continued use of the Services after the updated Terms become effective means you accept the revised Terms, to the extent permitted by law.

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18. Contact Information

Insightway Apps Inc.
16192 Coastal Highway
Lewes, DE 19958
United States

Email: info@insightway.org