Terms and Conditions.

The following terms have specific meanings in this Agreement:

• "Account" means the unique account created for you to access the Service.
• "Beta" or "Open Beta" means the current pre-release operational status of the Service, during which the Service is offered free of charge to all eligible users for testing, evaluation, and feedback purposes.
• "Content" means any text, images, data, information, or other materials uploaded, submitted, or transmitted through the Service.
• "User Content" means any Content that you submit, post, or transmit through the Service, including goals, rituals, reflections, and progress data.
• "Service" means the AnnualPlan.ai website, mobile applications, and all related services, features, and functionality.
• "Feedback" means any comments, suggestions, bug reports, evaluations, survey responses, or other information you provide to us regarding the Service.
• "AI Features" means any artificial intelligence or machine learning functionality within the Service, including but not limited to plan generation, coaching notes, and personalized recommendations.
• "Inactive Account" means an Account that has not been accessed by its registered user for a continuous period defined in Section 6.

2.1 Age Requirements

You must be at least 16 years of age to use this Service. If you are between 16 and 18 years of age (or the age of legal majority in your jurisdiction), you may only use the Service with the consent of a parent or legal guardian who agrees to be bound by these Terms. By using the Service, you represent and warrant that you meet the eligibility requirements set forth in this section.

2.2 Open Beta Registration

The Service is currently in Open Beta. Registration is open to any eligible individual without restriction, invitation, or waitlist. When registering, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your Account information
• Maintain the security and confidentiality of your login credentials
• Accept responsibility for all activities that occur under your Account
• Notify us immediately of any unauthorized use of your Account

2.3 One Account Per Person

Each individual may only maintain one Account. We reserve the right to terminate duplicate accounts.

3.1 Service Overview

AnnualPlan.ai is a goal-setting and life management platform that helps users:

• Define personal and professional goals across multiple life dimensions
• Generate personalized plans using artificial intelligence
• Track progress through weekly rituals and habits
• Receive AI-powered coaching, insights, and reflections
• Build streaks, levels, and other gamified progress mechanics

3.2 Open Beta Status

You expressly acknowledge and agree that the Service is currently operated as an Open Beta. This means:

• The Service is a pre-release, evolving product and may contain defects, bugs, errors, or incomplete features.
• Features may be added, modified, deprecated, or removed at any time without notice.
• AI-generated outputs, scoring, and recommendations may be inconsistent or inaccurate.
• Performance, uptime, and reliability are not guaranteed at production-grade levels.
• Data loss, corruption, or unavailability may occur, and you should not rely on the Service as your sole repository for important information.

3.3 Service Availability

We strive to maintain Service availability but do not guarantee uninterrupted access. The Service may be temporarily unavailable due to scheduled maintenance (we will provide reasonable advance notice when possible), emergency repairs or updates, ongoing Beta development work, or circumstances beyond our reasonable control.

3.4 Service Modifications

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

3.5 Transition Out of Beta

We may, at our sole discretion, transition the Service out of Open Beta into a general-availability product. Such transition may involve the introduction of paid subscription tiers, modified feature access, or other commercial terms. Continued use of the Service following the conclusion of the Open Beta will be governed by the Terms in effect at that time, which will be communicated to you in accordance with Section 17.

4.1 Account Security

You are responsible for:

• Maintaining the confidentiality of your password and Account
• Restricting access to your computer, device, and Account
• All activities that occur under your Account

4.2 Password Requirements

You agree to create a strong password and not to share your login credentials with any third party. If you believe your Account has been compromised, you must notify us immediately at support@annualplan.ai.

4.3 Account Suspension

We reserve the right to suspend or terminate your Account if:

• You breach any provision of these Terms
• We are required to do so by law
• We reasonably believe your Account has been compromised
• Your use of the Service poses a risk to other users or the Service

5.1 No Charge During Beta

Throughout the Open Beta period, the Service is provided to you free of charge. No subscription fees, usage fees, or other monetary consideration will be required to access or use the Service during this period. No payment method is required to register or use the Service during Open Beta.

5.2 Consideration in the Form of Feedback

In consideration for free access to the Service during the Open Beta, you agree to provide reasonable Feedback from time to time when requested. Such Feedback may be solicited through:

• In-product surveys, polls, or feedback prompts
• Email communications addressed to your registered email
• Optional interviews or testing sessions (participation in which is voluntary)
• Bug reports or feature requests submitted by you

You are not obligated to respond to every request, and your failure to provide Feedback in any single instance will not, by itself, result in termination of your Account. However, sustained non-engagement with the Service may be treated as inactivity under Section 6.

5.3 License to Feedback

You grant us an unlimited, irrevocable, perpetual, worldwide, royalty-free, transferable, sublicensable license to use, reproduce, modify, adapt, publish, distribute, and otherwise exploit any Feedback you provide, for any purpose, without compensation, attribution, or further obligation to you. We may incorporate Feedback into the Service or any other product or service without restriction.

5.4 No Guarantee of Continued Free Access

The free Open Beta is offered on a temporary and discretionary basis. We may end the Open Beta, introduce paid tiers, or restrict free access at any time, as described in Section 3.5 and Section 17.

5.5 No Promotional or Trial Conversion Obligation

Because the Service is currently free, there is no automatic conversion to a paid subscription. If we introduce paid tiers in the future, we will provide advance notice and clear opt-in mechanisms before charging any user.

6.1 Inactive Accounts

We reserve the right to classify an Account as Inactive if the registered user has not logged into the Service for a continuous period of six (6) months or more. We may extend, shorten, or otherwise adjust this period at our reasonable discretion, and any such adjustment will be reflected in an updated version of these Terms.

6.2 Reserved Right of Deletion

We reserve the right, at our sole discretion, to delete Inactive Accounts together with all associated User Content. Reasons for such deletion may include, without limitation:

• Reducing storage, infrastructure, and operational costs
• Protecting the security and privacy of dormant user data
• Maintaining the quality and performance of the Service
• Complying with data minimisation principles under applicable privacy law

6.3 Notice Before Deletion

Where reasonably practicable, we will send at least one email notice to the email address registered on the Account before deleting it for inactivity, providing you with an opportunity to log in and reactivate the Account. We are not, however, obligated to provide such notice, and the absence of notice does not create any liability on our part.

6.4 Effect of Deletion for Inactivity

Upon deletion of an Inactive Account, your User Content, plans, rituals, reflections, progress history, and any other data associated with the Account will be permanently removed from active production systems and cannot be recovered. Limited residual records may remain in backups or aggregated, anonymised analytics in accordance with our Privacy Policy and applicable law.

6.5 No Compensation for Inactivity Deletion

Because the Service is provided free of charge during the Open Beta, no refund, credit, or other compensation will be owed to you in respect of any Account deleted under this Section 6.

7.1 Ownership of User Content

You retain ownership of all User Content you submit to the Service. By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free license to:

• Store, process, and display your User Content to provide the Service
• Use your User Content in anonymised, aggregated form to improve the Service and our AI models
• Create backup copies for disaster recovery purposes

This license terminates when you delete your User Content or Account, subject to retention of anonymised, aggregated data and any residual copies that cannot reasonably be removed from backups.

7.2 User Content Representations

By submitting User Content, you represent and warrant that:

• You own or have the necessary rights to submit the Content
• The Content does not violate the rights of any third party
• The Content complies with these Terms and all applicable laws

7.3 Content Monitoring

We do not actively monitor User Content but reserve the right to:

• Review User Content for compliance with these Terms
• Remove or disable access to User Content that violates these Terms
• Report illegal content to appropriate authorities

8.1 Prohibited Activities

You agree not to:

• Engage in illegal activities through or in connection with the Service
• Upload defamatory, obscene, threatening, harassing, fraudulent, or infringing content
• Attempt unauthorised access to, interference with, or circumvention of the Service, including automated scraping or scripts without authorisation
• Maintain multiple accounts, share credentials, or impersonate another person or entity
• Resell, sublicense, white-label, or otherwise commercially exploit the Service, or use the Service to develop a competing product
• Manipulate beta metrics, submit false bug reports, send spam, or otherwise harm the integrity of the user community

8.2 Enforcement

Violations of this Acceptable Use Policy may result in:

• A warning or temporary suspension
• Permanent termination of your Account
• Legal action where appropriate
• Reporting to law enforcement authorities

9.1 Our Intellectual Property

The Service, including its original content, features, functionality, design, and branding, is owned by CLRT LLC-FZ and is protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. This includes:

• The AnnualPlan.ai name, logo, and brand elements
• The Service's user interface and design
• Our proprietary algorithms, prompts, and AI models
• Documentation, guides, and educational content
• Software code and technical infrastructure

9.2 Limited License to Users

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial purposes, subject to these Terms.

9.3 Restrictions

You may not:

• Copy, modify, or distribute the Service or any portion thereof
• Use our trademarks without prior written consent
• Remove any copyright, trademark, or proprietary notices
• Create derivative works based on the Service

9.4 Feedback

As set out in Section 5.3, any Feedback you provide is licensed to us on an unlimited, irrevocable, perpetual, royalty-free basis.

10.1 Third-Party Integrations

The Service may integrate with third-party services (for example, Apple Health, Google Fit, calendar providers, or single sign-on providers) to enhance functionality. Your use of third-party services is subject to their respective terms and privacy policies.

10.2 Third-Party Links

The Service may contain links to third-party websites or services. We are not responsible for:

• The content, privacy practices, or availability of third-party sites
• Any loss or damage arising from your use of third-party sites
• Any transactions between you and third parties

10.3 No Endorsement

The inclusion of any third-party link or integration does not imply endorsement by us of the third party or its products or services.

11.1 AI-Generated Content

The Service uses artificial intelligence to generate personalised plans, recommendations, and coaching insights. You acknowledge and agree that:

• AI-generated content is provided for informational and motivational purposes only
• AI-generated content should not be considered professional advice (medical, legal, financial, or otherwise)
• AI systems may produce errors, inaccuracies, hallucinations, or inappropriate content, and such risk is elevated during Open Beta
• You are solely responsible for evaluating and acting upon AI-generated content

11.2 No Professional Advice

The Service does not provide medical, psychological, financial, legal, or other professional advice. AI-generated coaching and recommendations are for general informational and motivational purposes only. Always consult qualified professionals for matters requiring professional expertise.

11.3 AI Improvement

We may use anonymised, aggregated data from user interactions to evaluate, train, and improve our AI systems and the Service. This data cannot be used to identify individual users.

11.4 Human Review

In certain circumstances, our team may review AI outputs and user interactions to improve service quality, debug issues, and ensure safety. Such reviews are subject to our Privacy Policy.

12.1 Privacy Policy

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

12.2 Data Processing

By using the Service, you consent to:

• The collection and processing of your personal data as described in our Privacy Policy
• The transfer of your data to servers located in various jurisdictions, including outside your country of residence
• The use of cookies and similar technologies as described in our Privacy Policy

12.3 Your Rights

Depending on your jurisdiction, you may have certain rights regarding your personal data, including the right to access, correct, delete, or port your data. Please see our Privacy Policy for details, and see Section 16 for the in-product one-click deletion feature.

13.1 "As Is" and "As Available" Service

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, reliability, completeness of content, and uninterrupted or error-free operation.

13.2 Heightened Beta Disclaimer

You expressly acknowledge that the Service is a beta release. You accept that beta software carries a higher likelihood of bugs, downtime, data loss, and unexpected behaviour. You agree to use the Service at your own risk and to maintain independent backups of any data you consider important.

13.3 No Guarantee of Results

We do not guarantee that:

• The Service will meet your specific requirements or expectations
• You will achieve any particular results from using the Service
• The Service will be uninterrupted, timely, secure, or error-free
• Any errors in the Service will be corrected
• Your User Content or Account will be preserved indefinitely

13.4 User Responsibility

You acknowledge that:

• Your success depends on your own efforts and circumstances
• The Service is a tool to assist you, not a guarantee of outcomes
• You are solely responsible for your decisions and actions

14.1 Exclusion of Damages

To the maximum extent permitted by applicable law, in no event shall CLRT LLC-FZ, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenues, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of (or inability to access or use) the Service
• Any conduct or content of any third party on the Service
• Any content obtained from the Service, including AI-generated content
• Unauthorised access, use, or alteration of your transmissions or content
• Deletion of your Account or User Content under Section 6 or elsewhere in these Terms

14.2 Cap on Liability

To the maximum extent permitted by applicable law, our total aggregate liability to you for all claims arising from or relating to these Terms or the Service shall not exceed one hundred US dollars (USD 100). You acknowledge that this cap reflects the fact that the Service is provided free of charge during the Open Beta.

14.3 Jurisdictional Limitations

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability shall be limited to the maximum extent permitted by law.

14.4 Essential Purpose

The limitations in this section apply even if any remedy fails of its essential purpose.

15.1 Your Indemnification Obligations

You agree to indemnify, defend, and hold harmless CLRT LLC-FZ and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or relating to:

• Your use of the Service
• Your User Content
• Your violation of these Terms
• Your violation of any rights of another party
• Your violation of any applicable laws

15.2 Our Rights

We reserve the right to assume exclusive defence and control of any matter subject to indemnification by you, at your expense. You agree to cooperate with our defence of such claims.

16.1 Termination by You: One-Click Deletion

You may terminate your Account at any time, for any reason, with no notice required. The Service provides a one-click Account deletion feature directly within your dashboard. By using this feature and confirming your choice, you instruct us to:

• Immediately deactivate your Account
• Permanently delete your User Content and associated data from active production systems
• Discontinue all further communications relating to the Account, other than any communications required by law

You acknowledge that one-click deletion is an immediate, irreversible action. We strongly recommend exporting any data you wish to retain before triggering deletion.

16.2 Termination by Us

We may terminate or suspend your Account immediately, without prior notice or liability, for any reason, including:

• If you breach any provision of these Terms
• If we are required to do so by law
• If we discontinue the Service
• If we detect fraudulent, abusive, or illegal activity
• If your Account is classified as Inactive pursuant to Section 6

16.3 Effect of Termination

Upon termination, whether initiated by you or by us:

• Your license to use the Service terminates immediately
• We may delete your Account and User Content
• Provisions that by their nature should survive termination shall survive, as set out in Section 16.5

16.4 Data Export

You may export your data using the export feature in your Account settings at any time prior to termination. Because deletion is permanent, we strongly recommend exporting your data before requesting Account deletion or allowing your Account to become Inactive.

16.5 Survival

The following sections shall survive termination: Intellectual Property Rights, Disclaimers and Beta Warnings, Limitation of Liability, Indemnification, Dispute Resolution, Governing Law, and any other provisions that by their nature should survive.

17.1 Modifications to Terms

We reserve the right to modify these Terms at any time. When we make changes, we will:

• Post the updated Terms on the Service
• Update the "Last Updated" date
• Provide notice for material changes via email or through the Service

Your continued use of the Service after the effective date of any modification constitutes acceptance of the revised Terms.

17.2 Objection to Changes

If you do not agree to modified Terms, you must stop using the Service and terminate your Account using the one-click deletion feature described in Section 16.1.

17.3 Modifications to Service

We may modify, update, or discontinue features of the Service at any time, particularly given the Open Beta status of the Service. We will provide reasonable notice for significant changes that materially affect your use of the Service where practicable.

18.1 Informal Resolution

Before initiating any formal dispute resolution, you agree to first contact us at vishal@annualplan.ai and attempt to resolve the dispute informally for at least 30 days.

18.2 Binding Arbitration

If we cannot resolve a dispute informally, you and we agree to resolve any disputes through binding arbitration, rather than in court, except that:

• Either party may bring claims in small claims court if eligible
• Either party may seek injunctive relief in court for intellectual property infringement

18.3 Arbitration Rules

Arbitration shall be conducted by a single arbitrator under the rules of the Dubai International Arbitration Centre (DIAC) or, where applicable to non-UAE residents and where mutually agreed, the International Chamber of Commerce (ICC). The arbitration shall be conducted in English and seated in Dubai, UAE.

18.4 Class Action Waiver

You and we agree that each may bring claims against the other only in your or our individual capacity and not as a plaintiff or class member in any purported class or representative action.

18.5 Opt-Out

You may opt out of the arbitration and class action waiver provisions by notifying us in writing within 30 days of first accepting these Terms. Send opt-out notices to vishal@annualplan.ai with the subject line "Arbitration Opt-Out."

18.6 Exceptions

This arbitration agreement does not apply where prohibited by law or where you have mandatory consumer protection rights that cannot be waived.

19.1 Choice of Law

These Terms shall be governed by and construed in accordance with the laws of the United Arab Emirates, and specifically the laws applicable in the Emirate of Dubai, without regard to its conflict of law provisions, except where superseded by mandatory local consumer protection laws of your country of residence.

19.2 EU Users

If you are a consumer in the European Union, you will benefit from any mandatory provisions of the law of the country in which you are resident. Nothing in these Terms affects your rights as a consumer to rely on such mandatory provisions.

19.3 Jurisdiction

Subject to the arbitration provisions above, any legal action or proceeding arising under these Terms shall be brought exclusively in the courts located in Dubai, UAE, and you consent to personal jurisdiction in such courts.

20.1 Entire Agreement

These Terms, together with our Privacy Policy and any other agreements expressly incorporated by reference, constitute the entire agreement between you and us concerning the Service.

20.2 Severability

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be modified to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

20.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by us.

20.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign our rights and obligations without restriction, including to a successor entity in connection with any merger, acquisition, or restructuring.

20.5 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, pandemics, power outages, internet disruptions, or third-party infrastructure failures.

20.6 Headings

The section headings in these Terms are for convenience only and have no legal or contractual effect.

20.7 Language

These Terms are written in English. Any translations are provided for convenience only. In the event of a conflict between the English version and any translation, the English version shall prevail.

20.8 No Third-Party Beneficiaries

These Terms do not confer any rights on any third party unless expressly stated.

If you have any questions about these Terms, please contact us:

• CLRT LLC-FZ
• License Number: 2648102.01
• United Arab Emirates

• General support: support@annualplan.ai
• CEO and legal contact: Vishal Sachar at vishal@annualplan.ai