Terms of Service

1. The Services

“Services” means, collectively: (a) the worthune.com website, including interactive model demonstrations; (b) the Worthune REST API and MCP server (the “API”), including the household endpoints that store household records and compute projections, simulations, and decision strategies over them, bulk import, and signed webhooks (together, the “Household Engine”); (c) embeddable calculators and household widgets (the “Embeds”); (d) the Worthune software development kits and component kit (“SDKs”); (e) the downloadable evaluation datasets (“Eval Datasets”); (f) the facts registry and its feed (the “Facts Feed”); (g) where included in your plan, tenant branding configuration and household-scoped embed tokens (the “White-Label Services”); and (h) related documentation, specifications, and content.

“Customer Data” means the data you submit to the Services for storage or processing on your behalf — including household records, import batches, webhook endpoint configuration, and tenant branding configuration. You retain all rights in Customer Data; we receive only the limited rights in Section 10.

Each computational model in the Services implements a published, versioned specification (each, a “Spec”). The Spec is the sole description of what a model computes. Model outputs are defined by, and limited to, the computation the applicable Spec describes, including its stated assumptions, simplifications, and exclusions.

2. Educational purpose; not advice; no fiduciary relationship

The Services provide illustrative, educational computations only. Worthune is not a registered investment adviser, broker-dealer, tax adviser, accountant, attorney, or fiduciary, and nothing in the Services constitutes financial, investment, tax, accounting, or legal advice, or a recommendation to buy, sell, or hold any security or to take or refrain from any financial action. No advisory, fiduciary, or professional-client relationship is created by your use of the Services. Outputs are generic mathematical projections from the inputs supplied and the applicable Spec; they are not predictions, and they do not account for any person’s complete circumstances.

If you present Worthune outputs to your own end users, you are solely responsible for how they are presented, including any disclosures, disclaimers, or regulatory obligations that apply to you or your industry (see Section 7).

3. Accounts, API keys, and security

Certain Services or tiers require an account and API key. You are responsible for maintaining the confidentiality of your credentials and for all activity under them. Keys are issued to you and may not be sold, shared outside your organization, or published. You will notify us promptly at support@worthune.com of any suspected unauthorized use. We may rotate, suspend, or revoke keys to protect the Services.

4. Plans, fees, and billing

4.1 Tiers. The Services are offered in tiers described at worthune.com/pricing (currently a free Sandbox tier, Launch, Growth, and Made-to-measure agreements). The features, model access, included active-household allowances, and usage guidelines of each tier are as described on the pricing page at the time of purchase.

4.2 Fees and renewal. Paid subscriptions are billed in advance (monthly or annually, as selected) and renew automatically until canceled. You may cancel at any time, effective at the end of the then-current billing period. Except where required by law, fees are non-refundable, provided that if we permanently discontinue a paid Service mid-period, we will refund the prorated unused portion.

4.3 Price changes. We may change prices with at least 30 days’ notice; changes apply from your next renewal.

4.4 Taxes. Fees exclude taxes; you are responsible for applicable sales, use, VAT, or similar taxes, excluding taxes on our income.

5. License grants

5.1 To you. Subject to these Terms and payment of applicable fees, Worthune grants you a non-exclusive, non-transferable, worldwide license during your subscription term to: (a) call the API and MCP server, including the Household Engine; (b) deploy the Embeds on properties you control (including, where your plan includes the White-Label Services, tenant-bound Embeds on the domains in your configured allowlist); (c) use the SDKs in your applications; and (d) use and display model and Household Engine outputs in your products, services, and materials, including commercially.

5.2 Attribution (free tier). Use of the free tier requires visible attribution as described in the documentation (e.g., the “Powered by Worthune” badge on Embeds and credit on displayed API results). Paid tiers may remove attribution to the extent the pricing page says so.

5.3 Eval Datasets and Facts Feed. The Eval Datasets and the public Facts Feed are licensed for your internal use and for testing, evaluation, and research, with attribution to Worthune, and may be incorporated into your internal test suites. You may not sell, relicense, or redistribute the datasets or the Facts Feed as a standalone product or substantially similar offering.

5.4 Restrictions. Except as expressly permitted, you will not: (a) resell, sublicense, or make the API available as a standalone service that substantially replicates the Services; (b) misrepresent Worthune outputs as produced by you where attribution is required, or represent that Worthune endorses your product; (c) remove proprietary notices; (d) reverse engineer non-public portions of the Services (nothing restricts your use of the published Specs, which are public by design); (e) use the Services to violate law or third-party rights; (f) interfere with or circumvent usage limits, metering, or security; or (g) use the Services to build or train a competing model catalog by systematic extraction beyond the published Specs and Eval Datasets.

5.5 Our IP. Worthune retains all right, title, and interest in the Services, including the engine, Specs, site content, marks, and datasets. You retain all rights in your applications and your inputs.

6. Spec versions, changes, and deprecation

Model behavior changes only through a Spec version change, recorded in the public changelog. You may pin a Spec version where the documentation supports it. We will use commercially reasonable efforts to (a) announce breaking changes in the changelog before or upon release, and (b) give advance notice before retiring a model or Spec version that paid customers actively use. We do not warrant that any model, Spec version, or endpoint will remain available indefinitely.

7. Your responsibilities

You are solely responsible for: (a) determining whether the Services and any model, with its stated assumptions and exclusions, are suitable for your use case, including reviewing the applicable Spec before relying on outputs; (b) your own compliance with laws and regulations that apply to you or your industry (including, if applicable, financial services, advertising, and consumer-protection rules); (c) all decisions, actions, products, and advice you or your end users take or give based on outputs; (d) presenting outputs to end users with appropriate context and disclaimers; and (e) your inputs, including having the right to submit them.

8. Accuracy and maintenance — best efforts, not a guarantee

8.1 What we do. Worthune maintains a testing process for its models (described on the website) and a registry of financial constants with cited primary sources and the date each value was last checked. We use commercially reasonable (“best”) efforts to keep models consistent with their Specs and to update constants after official sources publish changes.

8.2 What we do not promise. WE DO NOT WARRANT OR GUARANTEE THAT ANY OUTPUT, MODEL, SPEC, CONSTANT, DATASET, OR OTHER CONTENT IS ACCURATE, COMPLETE, CURRENT, OR ERROR-FREE, OR THAT CONSTANTS WILL BE UPDATED WITHIN ANY PARTICULAR TIME AFTER LAWS, LIMITS, OR RATES CHANGE. Models are simplified representations that intentionally exclude factors described in their Specs, and tax figures may lag official changes. Statements on the website about testing, verification, or maintenance describe our practices as of the time written; they are not contractual commitments or service levels unless expressly stated in a signed Enterprise agreement.

8.3 Your verification duty. For any use where an error could cause material harm, you agree to independently validate outputs (the Specs and Eval Datasets are published to make that practical) before relying on them.

9. Availability

The Services are provided without uptime commitments or service levels (Enterprise SLAs, if any, are separate signed agreements). We may impose and change rate and usage limits, and may suspend or throttle access that degrades the Services, presents security risk, exceeds fair use, or breaches these Terms — with notice where practicable.

10. Privacy and data

10.1 Stateless model calls. The stateless model endpoints process inputs to compute and return outputs and to operate, secure, meter, and improve the Services; inputs to these endpoints are not stored. They are designed for numeric planning inputs — do not submit data identifying a specific individual through the stateless model endpoints.

10.2 Customer Data. The Household Engine and White-Label Services exist to store and process Customer Data on your behalf, and Customer Data may include personal data of your end clients. As between the parties, you control Customer Data: you decide what to submit, and you instruct processing by using the endpoints. We process Customer Data solely to provide, secure, meter, and support the Services; we do not sell it, do not use it to train models, and do not use it to build profiles of your end clients. You are responsible for having a lawful basis to submit Customer Data and for the notices, consents, and data-rights handling your end clients are owed. You can delete Customer Data at any time through the API or by closing your account. If your use requires a data processing agreement, contact support@worthune.com.

10.3 White-label responsibilities. Tenant branding and disclosure text you configure are yours and must be truthful; firm disclosures are appended to, and never replace, the Services’ own disclosures. Embed tokens are credentials you mint, scoped to a single household and your domain allowlist — safeguard them and issue them only for viewers authorized to see that household’s data.

10.4 Telemetry. We collect aggregate, low-cardinality usage telemetry (endpoint and model counts) and publish aggregate usage statistics. Website data practices are described in the Privacy Policy, which is part of these Terms.

11. Feedback

If you send feedback or suggestions, we may use them without obligation to you.

12. Warranty disclaimer

EXCEPT AS EXPRESSLY STATED IN THESE TERMS, THE SERVICES AND ALL OUTPUTS, SPECS, DATASETS, AND CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND UNINTERRUPTED OR ERROR-FREE OPERATION. NO ORAL OR WRITTEN INFORMATION OBTAINED FROM WORTHUNE CREATES ANY WARRANTY NOT EXPRESSLY STATED HERE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN DISCLAIMERS, SO PARTS OF THIS SECTION MAY NOT APPLY TO YOU.

13. Limitation of liability

13.1 No indirect damages. TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, SAVINGS, GOODWILL, OR DATA, ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, EVEN IF ADVISED OF THE POSSIBILITY. WITHOUT LIMITING THE FOREGOING, WORTHUNE IS NOT LIABLE FOR INVESTMENT OR FINANCIAL LOSSES, TAX OUTCOMES, OR DECISIONS MADE IN RELIANCE ON OUTPUTS.

13.2 Cap. TO THE FULLEST EXTENT PERMITTED BY LAW, WORTHUNE’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID TO WORTHUNE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY, OR (B) ONE HUNDRED U.S. DOLLARS (US $100).

13.3 Exceptions. Nothing in these Terms limits liability that cannot be limited by law, including for a party’s fraud or willful misconduct.

13.4 Basis of the bargain. The disclaimers and limits in Sections 8, 12, and 13 are essential to the economic terms of the Services; the Services would not be offered at these prices without them.

14. Indemnification

You will defend, indemnify, and hold harmless Worthune and its officers, members, employees, and agents from and against any third-party claims, damages, and reasonable costs (including attorneys’ fees) arising out of or related to: (a) your products or services incorporating the Services or outputs; (b) your or your end users’ use of, or reliance on, outputs; (c) your breach of these Terms or of law, including financial-services or consumer-protection regulations applicable to you; or (d) your inputs. We will promptly notify you of any such claim and reasonably cooperate at your expense; you may control the defense with counsel reasonably acceptable to us, and you will not settle any claim imposing obligations on us without our consent.

15. Term, termination, and suspension

These Terms apply from your first use of the Services and continue until terminated. You may stop using the Services at any time; paid subscriptions run to the end of the billing period per Section 4. We may suspend or terminate access (including revoking keys) for material breach, security risk, legal requirement, or non-payment, with notice where practicable, and may discontinue the free tier or any free Service at any time. Upon termination, licenses end, except that outputs already lawfully incorporated into your materials may continue to be used, and Sections 2, 5.4, 5.5, 7, 8, and 11–18 survive.

16. Changes to these Terms

We may update these Terms. Material changes will be announced by updating the effective date and posting notice on the website (and, for paying customers with accounts, by email or dashboard notice) at least 14 days before taking effect. Continued use after the effective date constitutes acceptance; if you do not agree, stop using the Services and, if you have a paid plan, you may cancel with a prorated refund of any prepaid period after the change’s effective date.

17. Governing law and disputes

These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to conflict-of-laws rules. The parties will first attempt in good faith to resolve any dispute informally by notice to support@worthune.com (or to you at your account email) and sixty (60) days of discussion. Any dispute not so resolved will be brought exclusively in the state or federal courts located in Middlesex County, Massachusetts (or the U.S. District Court for the District of Massachusetts), and each party consents to their jurisdiction and venue. EACH PARTY WAIVES TRIAL BY JURY TO THE EXTENT PERMITTED BY LAW.

18. General

Entire agreement (these Terms plus the Privacy Policy, Disclaimer, and any signed Enterprise agreement, which controls over these Terms if in conflict); no assignment by you without our consent except to a successor in a merger or asset sale (we may assign to an affiliate or successor); independent contractors; no third-party beneficiaries; severability; no waiver by conduct; force majeure for events beyond reasonable control; export-control and sanctions compliance; notices to support@worthune.com or your account email.

Contact: Worthune, 60 Agassiz Ave, Belmont, MA 02478 · support@worthune.com