Terms of Service

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1. Agreement to Terms

By accessing or using the services provided by Simply Asking LLC ("Simply Asking," "the Service," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

These Terms apply to all visitors, users, and others who access or use the Service.

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2. Description of Service

Simply Asking is an AI knowledge platform that turns your documents, spreadsheets, and media into answers you can trust and check. It combines three ways of understanding your content in one place: semantic search across your text, a knowledge graph of the entities and relationships inside it, and structured analysis of your tabular and transactional data for totals, counts, and rankings. Answers are grounded in your own sources, every claim is traceable to where it came from, and your data stays isolated to your organization. The Service includes:

2.1 Document Management & Knowledge Library

• Upload, organize, and manage documents in many formats, including PDFs, Word, Excel and other spreadsheets, PowerPoint, plain text, images, audio, and video
• Automatic transcription for audio and video files
• Content extraction from images and scanned (image-only) PDFs using AI vision, so text in scanned forms and pictures becomes searchable
• Table and spreadsheet extraction, so structured data in your Excel, CSV, and other tabular files can be searched and analyzed
• AI-powered entity extraction and interactive knowledge graph visualization
• Department-based organization and access control

2.2 AI Search & Chat (Lumen)

• Hybrid search across your entire knowledge base, combining semantic (vector) and keyword matching, with cross-encoder reranking to surface the most relevant passages
• AI-powered chat (by text or voice) with responses grounded in your documents; an attribution check is applied by default so the assistant cites its sources and tells you when your library does not contain the answer rather than guessing
• Structured-data answers over your spreadsheets and transactional documents such as purchase orders, invoices, and receipts: totals, sums, averages, counts, filtering, sorting, and rankings computed directly from your stored data
• Multiple analysis modes, including a deep-reasoning mode for complex queries
• Cross-document insights and related content discovery across your knowledge base

2.3 AI Agents & Tablet Platform

• Create and deploy customer-facing AI agents trained on your knowledge, with configurable guardrails (content restrictions, approved responses, escalation rules, and alerts)
• Configurable grounding modes that control how strictly an agent's answers must be supported by your source documents
• Tablet: interactive knowledge experiences you publish for shared, walk-up locations, combining curated content with AI-powered text and voice Q&A
• Embeddable chat widgets for your website or application
• Operations dashboard for monitoring conversations and performance, with an operator inbox for escalations and automatic knowledge gap identification
• AI Agents, Tablet devices, and user accounts are included capabilities, not priced add-ons, and are not limited in number. What is metered is usage: agent conversations, along with your team's chats, tasks, automations, and content creation, draw from your plan's single monthly AI usage allowance, and voice draws from your plan's monthly voice-minute allowance. Usage beyond an included allowance is billed as described in Section 4.8.1

2.4 Integrations

• Connect third-party services including Google Drive, Notion, Dropbox, Trello, Slack, and HubSpot CRM
• Bring Your Own Keys (BYOK) for AI providers (OpenAI, Anthropic, Google)
• API access for custom integrations (subject to plan limits)
• Per-user connection ownership. Each team member authorizes and owns their own integrations. We never share OAuth tokens across users.

Role-based access to integrations. Each privilege below is enforced server-side at the API layer, not just in the user interface.

• Admin governance. Owners and Admins can view all connections in their organization (without ever seeing the OAuth tokens themselves), disable any member's connection, and access an immutable audit log of connect, disable, re-enable, and reauth events. These privileges exist for security and oversight; they do not grant Admins authority to act on behalf of a member with the third-party service.
• Reauth notifications. When an integration's OAuth token expires or is revoked by the third-party provider, we send a daily reminder email to the connection owner (with a 24-hour cooldown and an auto-stop after 7 consecutive days) so they can re-authorize.

2.5 Workspace & Collaboration

• Team member management with role-based permissions (Owner, Admin, Manager, Member)
• Usage analytics and reporting dashboards
• Shared knowledge base across your organization
• Internal team messaging. An in-app messaging inbox where your team members communicate with each other in direct or group ("team") conversations without leaving the platform, including replies, reactions, image and document sharing, and message spotlighting
• Lumen in your conversations. Within a conversation, team members can mention Lumen to get answers grounded in your organization's knowledge base, returned inline in the thread
• Conversation intelligence. From any conversation, you can generate a structured summary, extract action items (with assignees and deadlines), and extract decisions, rationale, and insights into a knowledge-base document. These are generated on demand at your request, not automatically
• Decisions & Actions. A team-organization view that aggregates the decisions, action items, and summaries captured from your conversations, with the ability to assign, track, complete, and reopen action items

2.6 Content Generation

• AI-powered content creation from your existing documents
• Document summaries, insights, and analysis
• AI Create: generate brand-new content from a prompt to build out your knowledge base, including drafting articles to close identified knowledge gaps. All AI-generated content is human-reviewed before it is published. AI Create places generated content into an editable draft for you to review and edit; nothing enters your searchable knowledge base until you explicitly choose to publish it. Knowledge-gap drafts likewise require an explicit publish confirmation before they are added to your knowledge base

2.7 Self-Hosted Deployment Options

In addition to our cloud-hosted SaaS offering described above, Simply Asking offers self-hosted deployment options for enterprise customers:

• API Engine: The complete SimplyAsking engine accessible entirely through APIs. Includes hybrid search, knowledge graph endpoints, AI agent APIs with guardrails, and BYOK support. For development teams building custom UIs or embedding intelligence into existing products.
• Full Platform: Everything in API Engine, plus the complete SimplyAsking web application. Includes document library, visual agent builder with operations portal, interactive knowledge graph visualization, custom analytics dashboards, team management, SSO, and a full audit trail.

All self-hosted products include unlimited users with perpetual licensing and Docker-based delivery.

Important: Self-hosted deployments are governed by separate agreements, including:

• Self-Hosted Software License Agreement
• Self-Hosted Support Agreement

These Terms of Service apply only to our cloud-hosted SaaS offering. If you are interested in self-hosted deployment, please contact sales@simplyasking.io for licensing information.

Feature availability varies by subscription plan. See our plans page for details.

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3. Accounts

3.1 Account Creation

To use certain features of the Service, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information
• Keep your password secure and confidential
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access

3.2 Account Types

These are account categories. Our subscription plans are Solo, Build, Scale, and Command (see our plans page; Solo is self-serve, and Build, Scale, and Command are arranged with our team). A Personal account corresponds to the Solo plan; Business accounts use the Build, Scale, or Command plans.

3.3 Age Requirements

You must be at least 18 years old to use the Service. By using the Service, you represent that you are at least 18 years of age and have the legal capacity to enter into this agreement.

3.4 Geographic Availability

The Service is currently available only to users located in the United States. By using the Service, you represent that you are located in the United States. We may expand availability to additional regions in the future.

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4. Subscriptions & Payments

4.1 Trial Period

Personal subscriptions include a 7-day free trial. During the trial period, you have access to the plan's features subject to trial usage limits as described on our pricing page. At the end of the trial, your subscription will automatically convert to a paid plan unless you cancel before the trial ends.

4.2 Paid Subscriptions

• Billing Cycle: Monthly or annual, as selected at checkout
• Payment: Processed securely through Stripe

4.3 Automatic Renewal Terms

IMPORTANT: YOUR SUBSCRIPTION WILL AUTOMATICALLY RENEW.

• Renewal: Your subscription will automatically renew at the end of each billing period (monthly or annually) unless you cancel before the renewal date
• Renewal Price: You will be charged the then-current subscription rate at renewal. If we change our prices, we will notify you at least 30 days before your renewal date
• Renewal Date: Your renewal date is the same calendar day as your original purchase
• Payment Method: Your payment method on file will be automatically charged on each renewal date
• Confirmation: After each renewal, you will receive an email confirmation with the amount charged and your next renewal date

4.4 Price Changes

• We may change subscription prices from time to time
• Advance Notice: We will notify you at least 30 days before any price increase takes effect
• Current Billing Period: Price changes will not affect your current billing period - they apply at your next renewal
• Right to Cancel: If you do not agree to a price change, you may cancel before your renewal date and will not be charged the new price

4.5 Cancellation

• How to Cancel: You may cancel at any time through Account Settings → Billing → Cancel Subscription, or by emailing support@simplyasking.io
• When to Cancel: To avoid being charged for the next period, cancel before your renewal date
• Effect of Cancellation: Access continues until the end of your current paid period, then terminates. Your data is then preserved during a 30-day grace period, during which you can reactivate. After the grace period, your data is permanently deleted from our production systems, with complete removal from all systems including backups within 60 days. See our Data Retention Policy for details
• No Partial Refunds: Cancellation does not entitle you to a refund for the current billing period
• Confirmation: You will receive an email confirming your cancellation and your final access date

4.6 Refunds

• 14-Day Guarantee: New subscribers may request a full refund within 14 days of initial purchase
• Annual Plans: Pro-rated refunds may be available within 30 days for annual plans
• How to Request: Email support@simplyasking.io with your account email
• See our Refund Policy for complete details

4.7 Renewal Reminders

• Annual Plans: We will send a reminder email at least 7 days before your annual renewal date
• Price Increases: If your renewal price will increase, we will notify you at least 30 days in advance
• Payment Failures: If your payment fails at renewal, we will notify you and provide a grace period to update your payment method

4.8 Plan Inclusions

• AI Chats & Search: Every plan includes a generous allowance of AI-powered chats and searches through Lumen, our internal AI assistant. Allowances vary by plan
• Document Storage: Every plan includes a generous document allowance; capacity varies by plan
• Plans: Plans are priced per organization as flat monthly or annual tiers, not per seat. The Solo plan is a single-user plan. The Build, Scale, and Command plans include unlimited user accounts at no additional per-user charge; you pay for the capacity of the plan, not the number of people who use it. Each plan includes three allowances: brain size (the total number of documents in your knowledge base, which is cumulative and does not reset), AI usage (a monthly allowance of weighted units), and voice minutes (a monthly allowance). AI Agents, Tablet devices, and user accounts are included capabilities and are not separately priced or limited in number. Where you need more capacity, optional customer-selected overages are available per allowance as described in Section 4.8.1. Roles (Owner, Admin, Manager, Member) determine permissions, not price. You may upgrade or downgrade your tier at any time from your billing settings
• Current usage is visible in your account settings

4.8.1 Metered Services

Certain services are metered and billed based on usage. Metered services apply only to customer-facing AI features, not to your internal use of Lumen.

Overages are off by default. Your plan stops at its included allowance unless you choose to enable overage for a given allowance, and you may set an optional dollar cap when you do.

Voice minutes are included with each subscription tier as a single monthly allowance for the organization, with no per-device or per-user component. Usage beyond the included allowance is billed as overage at the rate of $0.50 per minute.

AI usage is a single monthly allowance of weighted units shared across your organization. It covers chats, tasks, automations, agent conversations, and content creation. Units are weighted by the depth of analysis you request: a quick answer counts as 1 unit, a thorough answer as 3, and a deep-reasoning answer as 5. Usage beyond the included allowance is billed as overage at the rate of $0.05 per weighted unit.

Brain size is the total number of documents in your knowledge base and is cumulative rather than monthly. A document that takes your knowledge base beyond your included brain size is billed once, as a one-time processing charge of $2.00 per document, which is $0.04 per page because one billing document is up to 50 pages. This charge is not recurring monthly rent: the same document is never billed twice.

Metered usage is tracked in real time and visible in your account settings. Overage charges are invoiced at the end of each billing cycle alongside your subscription renewal. You will receive a notification when your usage approaches the included allocation.

4.9 Free Trials

If we offer a free trial:

• No Charge During Trial: You will not be charged during the free trial period
• Payment Information: We may require payment information to start a trial. Your card will not be charged until the trial ends
• Automatic Conversion: At the end of your trial, your subscription will automatically convert to a paid plan and your payment method will be charged unless you cancel before the trial ends
• Trial Reminder: We will send a reminder email before your trial ends and your first charge occurs
• One Trial Per Customer: Free trials are limited to one per customer
• Cancel Anytime: You may cancel during the trial at no cost

4.10 Promotional Pricing

If you subscribe using a promotional offer, discount code, or special pricing:

• Initial Term Only: Promotional rates apply to the initial subscription term only unless otherwise stated
• Renewal at Standard Rate: Upon renewal, you will be charged the then-current standard rate, not the promotional rate
• Advance Notice: If your renewal price will be higher than your promotional rate, we will notify you at least 30 days before renewal
• Non-Transferable: Promotional offers are non-transferable and cannot be combined with other offers
• Right to Cancel: If you do not wish to pay the standard renewal rate, you may cancel before your renewal date

4.11 Service Availability

• As Available: The Service is provided on an "as available" basis. We do not guarantee any specific uptime percentage for standard plans
• Scheduled Maintenance: We may perform scheduled maintenance that temporarily affects availability. We will provide advance notice when possible
• Unscheduled Outages: Unscheduled outages may occur due to technical issues, security incidents, or circumstances beyond our control
• No Compensation: Standard plans are not entitled to service credits or compensation for downtime
• Enterprise SLA: Enterprise customers may negotiate service level agreements with uptime commitments and service credits

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5. User Content

5.1 Your Content

"User Content" means any documents, text, files, or other materials you upload, submit, or store through the Service. You retain all rights to your User Content.

5.2 License Grant

By uploading User Content, you grant us a limited license to:

• Store and process your content to provide the Service
• Create embeddings and indexes to enable search
• Display your content back to you and authorized users

This license is:

• Non-exclusive
• Worldwide (to enable global access)
• Royalty-free
• Limited to providing the Service

5.3 Content Restrictions

You agree not to upload content that:

• Violates any law or third-party rights
• Contains malware, viruses, or harmful code
• Is fraudulent, deceptive, or misleading
• Infringes intellectual property rights
• Contains personal data of others without consent
• Is intended to harm or exploit minors

5.4 Content Moderation

We reserve the right to remove content that violates these Terms. We are not obligated to monitor content but may do so at our discretion.

5.5 Regulated and Sensitive Data

The Service is designed for general business use and is NOT certified or compliant for handling regulated data. You agree not to upload, store, or process any of the following categories of regulated or sensitive information:

5.5.1 Healthcare Data (HIPAA)

The Service is NOT HIPAA compliant. You may not upload Protected Health Information (PHI) as defined under the Health Insurance Portability and Accountability Act.

• Applies to: Healthcare providers, health plans, healthcare clearinghouses, and their business associates
• Prohibited content: Patient records, treatment notes, medical histories, diagnoses, insurance claims, prescription information, lab results, mental health records, and any individually identifiable health information
• We do not sign: Business Associate Agreements (BAAs)

5.5.2 Student Education Records (FERPA)

The Service is NOT FERPA compliant. You may not upload education records protected under the Family Educational Rights and Privacy Act.

• Applies to: Schools, universities, school districts, and educational service providers
• Prohibited content: Student grades, transcripts, disciplinary records, financial aid information, class schedules with student names, special education records (IEPs), and any personally identifiable information from education records

5.5.3 Consumer Financial Data (GLBA)

The Service is NOT GLBA compliant. You may not upload nonpublic personal information protected under the Gramm-Leach-Bliley Act.

• Applies to: Banks, credit unions, financial advisors, insurance companies, mortgage brokers, and other financial institutions
• Prohibited content: Customer account numbers, credit/debit card numbers, income information, credit histories, tax returns, social security numbers in financial context, and loan application data

5.5.4 Government Classified and Controlled Data

The Service is NOT FedRAMP authorized and has no government security certifications. You may not upload classified information or Controlled Unclassified Information (CUI).

• Applies to: Government agencies, government contractors, and subcontractors
• Prohibited content: Classified information (Confidential, Secret, Top Secret), Controlled Unclassified Information (CUI), For Official Use Only (FOUO) documents, Law Enforcement Sensitive (LES) information, and any data requiring government security clearance

5.5.5 Biometric Data

The Service does not meet the requirements of biometric privacy laws including the Illinois Biometric Information Privacy Act (BIPA), Texas CUBI, and similar state laws.

• Applies to: All users in jurisdictions with biometric privacy laws
• Prohibited content: Fingerprints, facial geometry/recognition data, iris or retina scans, voiceprints, hand geometry, and any other biometric identifiers

5.5.6 Attorney-Client Privileged Materials

While not legally prohibited, we strongly discourage uploading privileged legal communications. The Service is not designed for legal discovery holds or privilege protection.

• Applies to: Law firms, corporate legal departments, and their clients
• Discouraged content: Attorney-client communications, legal strategy documents, litigation work product, and materials subject to legal hold
• Risk: Uploading privileged materials may affect privilege claims in litigation

5.5.7 European Union Personal Data (GDPR)

The Service is currently available only in the United States. We implement privacy-by-design practices aligned with GDPR principles.

• Applies to: All users who may have data from EU/EEA residents
• Prohibited content: Personal data of individuals located in the European Union or European Economic Area, including employee data, customer data, or any other personal information subject to GDPR
• Note: If you are a US company with EU employees or customers, do not upload their personal data to the Service

5.5.8 Export-Controlled Data (ITAR/EAR)

The Service is not authorized for export-controlled technical data under the International Traffic in Arms Regulations (ITAR) or Export Administration Regulations (EAR).

• Applies to: Defense contractors, aerospace companies, manufacturers of controlled items, and research institutions
• Prohibited content: Technical data related to defense articles, controlled technology, encryption source code, nuclear-related information, and any data requiring export licenses

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5.6 Consequences of Uploading Regulated Data

Uploading any of the above categories of regulated data constitutes a material breach of these Terms and may result in:

• Immediate account suspension or termination without refund
• Deletion of the violating content without prior notice
• Notification to relevant regulatory authorities if required by law
• You remain solely liable for any regulatory penalties, fines, or legal action resulting from your upload of regulated data

5.7 Permitted Use for Regulated Industries

If you work in a regulated industry, you may still use the Service for non-regulated business purposes, such as:

• Marketing materials and public-facing content
• General HR policies and employee handbooks (without personal data)
• Vendor contracts and procurement documents
• Internal process documentation
• Training materials (without regulated data)
• General business correspondence

You are solely responsible for ensuring that no regulated data enters the Service. When in doubt, do not upload.

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6. Acceptable Use

6.1 You Agree To

• Use the Service only for lawful purposes
• Comply with all applicable laws and regulations
• Respect the rights of other users
• Use the Service in accordance with its intended purpose

6.2 You Agree Not To

• Access accounts, systems, or data without authorization
• Interfere with or disrupt the Service or servers
• Circumvent security measures or access controls
• Use automated means to access the Service (except approved APIs)
• Attempt to reverse engineer the Service
• Use the Service to send spam or unsolicited communications
• Impersonate others or misrepresent your affiliation
• Use the Service for competitive analysis

6.3 AI Usage Guidelines

When using AI features (Lumen), you agree:

• Not to use the AI to generate harmful, illegal, or deceptive content
• Not to attempt to extract, copy, or reverse engineer the underlying AI models, model weights, system prompts, or the providers' proprietary technology (the Service uses third-party AI models for inference; it does not train models on your content)
• Not to attempt to manipulate the AI, through prompt injection, jailbreaks, instruction-override, or similar techniques, in order to bypass the Service's grounding and citation controls, cause it to disregard its tenant-isolation and access controls, induce it to fabricate or misattribute sourced information, or access content belonging to another user or organization
• To review AI-generated content for accuracy before relying on it, including by checking the citations and sources the Service provides with each answer, and to understand that the AI answers only from your uploaded documents and will indicate when it cannot find an answer
• To comply with the acceptable use policies of the AI providers identified in Section 8.3

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7. Intellectual Property

7.1 Our Property

The Service and its original content (excluding User Content), features, and functionality are owned by Simply Asking and are protected by intellectual property laws.

7.2 Trademarks

"Simply Asking," "Lumen," and associated logos are trademarks. You may not use these marks without our prior written consent.

7.3 Feedback

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

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8. Third-Party Integrations

8.1 Connected Services

The Service allows integration with third-party services (Google Drive, Notion, Dropbox, Trello, Slack, and HubSpot CRM). Your use of these integrations is subject to:

• These Terms
• The third party's terms of service
• The third party's privacy policy

8.2 Disclaimer

We are not responsible for the content, accuracy, or practices of third-party services. Integration availability may change without notice.

8.3 Subprocessors for Document Processing

To process the documents you upload, the Service uses the following subprocessors. Each subprocessor handles only the data necessary to provide its specific function and is bound by a data processing agreement that requires equivalent or stronger protections than these Terms.

• LlamaIndex, Inc. (LlamaParse) — used to extract structured text and page metadata from PDF and Office documents you upload. Files are sent to LlamaParse's hosted API for processing and the extracted text is returned to our systems. LlamaIndex maintains SOC 2 Type II certification and supports HIPAA and GDPR compliance. See LlamaIndex's security and compliance documentation for details.
• Google Cloud Platform (Document AI, Vision AI) — used as a fallback OCR engine for documents that LlamaParse cannot process. Subject to Google Cloud's Data Processing and Security Terms.
• OpenAI and Anthropic — used for embedding generation and answer generation in chat. Personally identifiable information is redacted before any text is sent to these providers.

The subprocessors above are those involved in processing document content. For the complete and current list of all subprocessors — including infrastructure and hosting, payment processing, email delivery, and optional customer-enabled integrations — see our Subprocessor Registry, which is the authoritative source. This list will be updated as our processing pipeline evolves. Material changes will be communicated under Section 15 (Changes to Terms).

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9. Privacy

Your use of the Service is subject to our Privacy Policy, which is incorporated into these Terms by reference.

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10. Disclaimers

10.1 Service "As Is"

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT

10.2 AI-Specific Disclaimers

10.2.1 AI Limitations and Accuracy

AI-generated content is provided for informational purposes only. You acknowledge that:

• AI outputs may contain errors, inaccuracies, or occasionally generate content not fully supported by your documents ("hallucinations")
• AI may misinterpret queries, context, or document content
• AI responses are generated probabilistically and may vary between identical queries
• We do not guarantee the accuracy, completeness, reliability, or timeliness of any AI-generated content
• AI cannot understand nuance, sarcasm, or context the way humans do
• While our system is designed to ground responses in your uploaded documents, no AI grounding system can guarantee 100% adherence. Multiple safeguards are in place to minimize ungrounded responses, but they cannot be eliminated entirely.

10.2.2 User Responsibility

You acknowledge and agree that:

• You are solely responsible for verifying AI-generated content before relying on it for any purpose
• You should not make important business, legal, financial, medical, or safety decisions based solely on AI outputs without independent verification
• AI outputs should be treated as suggestions or starting points, not as authoritative answers
• Any actions you take based on AI outputs are at your own risk

10.2.3 No Professional or Expert Advice

AI-generated content does not constitute legal, medical, financial, tax, accounting, engineering, or any other form of professional advice. For matters requiring professional expertise, consult appropriate licensed professionals. The AI's analysis of your documents does not substitute for professional review of those same documents.

10.2.4 Third-Party AI Providers

The Service uses third-party AI providers including OpenAI, Google, and Anthropic. You acknowledge that:

• These providers may change their models, capabilities, or policies at any time
• AI model changes may affect the quality, style, or accuracy of responses
• Simply Asking is not responsible for changes made by third-party AI providers
• Your data may be processed by these providers in accordance with their respective terms of service

10.2.5 AI-Generated Content Ownership

AI-generated content based on your uploaded documents incorporates your intellectual property. You retain all rights to outputs derived from your content. AI providers may have separate usage rights per their own terms of service. We make no representations about the intellectual property status of purely AI-generated text that does not derive from your documents.

10.2.6 AI Bias and Harmful Content

AI models may reflect biases present in their training data. Despite implemented safeguards, AI may occasionally generate inappropriate, offensive, or biased content. Content filtering is implemented but cannot guarantee complete prevention of all undesirable outputs. You should report concerning AI outputs to support@simplyasking.io.

10.2.7 Grounding and Knowledge Base Limitations

Our AI system is designed to answer questions using only information from your uploaded documents. While we implement technical safeguards to prevent the AI from using general knowledge or training data, these safeguards reduce but do not eliminate the risk of ungrounded responses. The knowledge gap detection system identifies questions the AI cannot answer from your documents, but this system also cannot guarantee 100% detection of all gaps.

10.3 No Professional Advice

The Service does not provide legal, financial, medical, or other professional advice. Consult qualified professionals for such matters.

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11. Limitation of Liability

11.1 Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL SIMPLY ASKING BE LIABLE FOR:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, data, use, or goodwill
• Service interruption or inability to access the Service
• Any conduct or content of third parties

11.2 Liability Cap

OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF:

• The amount you paid us in the 12 months preceding the claim, or
• $100 USD

11.3 Exceptions

Some jurisdictions do not allow limitation of liability for certain damages. If applicable law does not allow the above limitations, they will be modified to the minimum extent necessary.

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12. Indemnification

You agree to indemnify, defend, and hold harmless Simply Asking and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Your User Content

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13. Termination

13.1 By You

You may terminate your account at any time by:

1. Going to your GDPR Data Management page (Account Settings -> Privacy) and submitting an account-deletion request
2. Confirming via email

13.2 By Us

We may terminate or suspend your account immediately, without notice, if:

• You breach these Terms
• Your use poses a security risk
• You engage in fraudulent or illegal activity
• Required by law

13.3 Effect of Termination

Upon termination:

• Your right to use the Service ceases immediately
• You remain liable for obligations incurred before termination
• Provisions that should survive termination will survive (e.g., liability limitations, indemnification)

13.4 Data After Termination

• You may export your data before termination
• After termination, your data is preserved during a 30-day grace period, then permanently deleted from our production systems, with complete removal from all systems including backups within 60 days (see our Data Retention Policy)
• Some data may be retained as required by law

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14. Dispute Resolution

14.1 Informal Resolution

Before filing a claim, you agree to attempt to resolve disputes by contacting us at legal@simplyasking.io. We will try to resolve disputes informally within 60 days.

14.2 Governing Law

These Terms are governed by the laws of the State of Indiana, without regard to conflict of law principles.

14.3 Arbitration

Any disputes not resolved informally will be resolved through binding arbitration, except:

• You may bring claims in small claims court
• Either party may seek injunctive relief in court

14.4 Class Action Waiver

You agree to resolve disputes individually and waive any right to participate in class actions.

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15. Changes to Terms

15.1 Modifications

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

• We will update the "Last Updated" date
• We will notify you via email or in-app notification
• Changes become effective 30 days after notice

15.2 Continued Use

Your continued use of the Service after changes constitutes acceptance of the modified Terms. If you disagree with changes, you must stop using the Service.

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16. General Provisions

16.1 Entire Agreement

These Terms, together with the Privacy Policy and any other agreements, constitute the entire agreement between you and Simply Asking.

16.2 Severability

If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect.

16.3 Waiver

Our failure to enforce any provision does not constitute a waiver of that provision.

16.4 Assignment

You may not assign these Terms without our consent. We may assign these Terms without restriction.

16.5 Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control.

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17. Contact Us

For questions about these Terms:

• Email: legal@simplyasking.io
• Address: 600 E Ohio Street Suite C, Indianapolis, IN 46202

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18. Document History

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By using Simply Asking, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.