Terms of Service

Terms of Service

Last updated: Jun 16, 2026

This boilerplate is intended to be reviewed, refined, and approved by counsel before production use. It is not legal advice.

1. Agreement to terms

These Terms of Service (“Terms”) govern your access to and use of Ben Herila, including this website, tools, calculators, account areas, client portals, finance features, personal health record features, and related services (the “Service”). By using the Service, you agree to these Terms.

2. Eligibility and accounts

You must be able to form a binding contract and comply with applicable law to use the Service. You are responsible for maintaining the confidentiality of your credentials, restricting access to your devices, and all activity under your account.

3. Acceptable use

You agree not to:

  • Use the Service unlawfully or in a way that infringes rights of others.
  • Attempt to access accounts, data, systems, or networks without authorization.
  • Interfere with, disrupt, overload, scrape, reverse engineer, or compromise the Service.
  • Upload malicious code, unlawful content, or content you do not have rights to use.
  • Use outputs as a substitute for professional legal, tax, financial, medical, or accounting advice.

4. User content

You retain ownership of content you submit to the Service. You grant us a limited license to host, store, process, display, transmit, and otherwise use your content as necessary to provide, secure, support, and improve the Service and comply with law.

5. Professional advice disclaimer

The Service may include calculators, planning tools, financial summaries, health record tools, tax previews, document processing, automation, or AI-assisted features. These outputs are informational only and may be incomplete, inaccurate, or unsuitable for your circumstances. Finance tools are provided for illustrative purposes only and are not legal, financial, or tax advice. You are responsible for independently verifying outputs and consulting a CPA, attorney, financial adviser, tax professional, or other licensed professional before making decisions.

6. Payments and third-party services

Paid features, invoices, subscriptions, or integrations may be processed by third-party providers. Their terms and privacy policies may apply. Unless otherwise stated, fees are due as presented at purchase or invoice time and are non-refundable except as required by law or expressly agreed in writing.

7. Intellectual property

The Service, including software, design, trademarks, and content provided by us, is owned by us or our licensors and is protected by applicable laws. Except for rights expressly granted in these Terms, no rights are transferred to you.

8. Privacy

Our Privacy Policy explains how we collect, use, and disclose information. By using the Service, you acknowledge that information will be handled as described there.

9. Suspension and termination

We may suspend or terminate access to the Service if we believe you violated these Terms, created risk or legal exposure, or if continued operation is no longer commercially or technically feasible. You may stop using the Service at any time.

10. Disclaimers

The Service is provided “as is” and “as available” without warranties of any kind, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement, to the fullest extent permitted by law.

11. Limitation of liability

To the fullest extent permitted by law, we will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, business interruption, or substitute services. Our aggregate liability for claims related to the Service will not exceed the greater of amounts you paid for the Service in the three months before the claim or one hundred U.S. dollars.

12. Indemnification

You agree to defend, indemnify, and hold us harmless from claims, damages, liabilities, losses, and expenses arising from your use of the Service, your content, or your violation of these Terms or applicable law.

13. Changes to these Terms

We may update these Terms from time to time. The updated version will be posted on this page with a revised “Last updated” date. Continued use of the Service after changes become effective means you accept the updated Terms.

14. Contact

Questions about these Terms may be sent to [email protected].