Terms of Use

1. Accepting these Terms

By accessing or using this Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree with these Terms or our Privacy Policy, you may not access or use this Service.

By using the Service on behalf of a firm, you are confirming you have the authority to accept these Terms for that firm.

You must be at least 18 years old to use this Service. Cadence Coach is built for professional financial advisors and is not directed to children; we do not knowingly collect information from anyone under 18. By using this Service, you represent that you have the legal capacity to agree to our Terms and Privacy Policy.

Your account. You are responsible for keeping your sign-in credentials confidential and for all activity that occurs under your account. Provide accurate information when you sign up and keep it current, and tell us at support@cadencecoach.ai if you believe your account has been accessed without your authorization. If you sign in through a third-party provider (such as Google), your use of that sign-in is also subject to the provider's own terms.

2. What Cadence Coach is

Cadence Coach is an artificial intelligence-powered training and practice tool for financial advisors. Our Service enables users to rehearse client conversations against AI-simulated personas and subsequently receive an automated coaching feedback scorecard.

Cadence Coach does not provide investment, legal, compliance, tax, or other professional advice, and nothing it produces should be interpreted as a recommendation about any client, security, or course of action. You remain solely responsible for your professional obligations.

The personas are fictional and the coaching is generated by software for practice purposes only. Using this Service does not create an advisory, fiduciary, or professional relationship between you and Cadence Coach LLC.

3. About the AI

The clients you talk to are AI-generated simulations, and the feedback scorecards, suggested lines, drills, and email drafts are produced by automated systems. AI output may be wrong, incomplete, or unsuitable for a real-life situation. Cadence Coach is a rehearsal aid, not a source of truth.

You are solely responsible for your real-world conduct with clients. Always apply your own professional judgment and your firm's supervision and compliance requirements. Do not treat any output provided by this Service as a recommendation you can act on with a real client without your own review.

4. Acceptable use

By using Cadence Coach, you agree that you will not:

• Enter personal or account information of any real-life client (active, prior, or prospective) into Cadence Coach. No real names, account numbers, Social Security numbers, or other non-public personal information about actual people should be used in scenarios or sessions. This is a simulation; keep real client data out of it.
• Use this Service to make automated decisions about real clients without your own human judgment and your firm's required review.
• Use this Service as an automated employment decision tool. Cadence Coach is a practice and coaching aid for individuals. This Service is not designed or licensed for use in employment decisions — including hiring, promotion, discipline, or termination — and you agree not to use it, its scores, or output to make or materially inform any such decision about any person.
• Use this Service to build a competing product. You will not reverse-engineer, scrape, copy, resell, or attempt to extract the underlying models, prompts, or data; or probe or bypass our security.
• Misuse this Service — no unlawful, abusive, infringing, or harmful activity, no attempts to disrupt or overload the Service, and no sharing of your account with unauthorized individuals or third parties.

5. Recording your practice

Cadence Coach records the audio of your practice sessions and creates a text transcript so it can score the conversation, generate your coaching scorecard, and let you replay the session as needed. By using the practice features, you consent to your voice being recorded and transcribed for these purposes.

You are practicing against AI personas, not real clients — you should not record or involve any real third party. The one exception is live roleplay, where a colleague on your account plays the client and is recorded along with you. If you start a live roleplay, you are responsible for telling your colleague that the session is recorded and transcribed and for having their agreement before you begin. You are responsible for not entering real client names, account numbers, or other confidential information into a practice conversation. When you practice against a scenario you wrote yourself, our Service runs an automated scrub that replaces names and removes emails, phone numbers, and account numbers before the transcript is stored. The scrub is best-effort and it can fail; when it does, we store the transcript as it was spoken rather than lose your session.

Some features are designed to let other authorized participants on your account access session content. Live roleplay is one of them: when you record a live roleplay, other authorized people on that account can open its recording, transcript, and scorecard.

We retain information for as long as reasonably necessary to provide the service, meet legitimate business needs, resolve disputes, maintain security, and comply with law. You can delete individual sessions in the product and can ask us to delete your account. Deletion may be subject to legal obligations and to limited backup or operational retention.

Using this Service will not create or store a biometric "voiceprint" of your voice; we keep an ordinary recording and its transcript. You can ask us to delete your account by emailing support@cadencecoach.ai; deletion is handled upon request to ensure an irreversible action always passes through a person. See the Privacy Policy for the details of how recordings and transcripts are stored and deleted.

6. Plans, billing, and refunds

Paid plans are billed monthly in advance through our payment processor, Stripe. Each plan includes a set number of practice minutes that refresh at the start of each billing period; unused minutes do not roll over. Add-on minute top-ups, if purchased, are one-time charges. Fees exclude any applicable taxes, which we may collect where the law requires.

Your subscription renews automatically each period until you cancel. You can cancel anytime from Settings (which opens the Stripe billing portal); cancellation stops future renewals and your access continues through the end of the period you've already paid for. Except where the law requires otherwise, fees already paid are non-refundable, and we do not provide refunds or credits for partial periods or unused minutes. Prices and plan details may change; we will give you notice before a change affects you.

We may offer free plans, trials, invitation codes, or promotional minutes from time to time. We may change or end them at any time, and any minutes they include are subject to these Terms.

7. Your content and our Service

You keep ownership of what you say and submit in your sessions ("your content"). You grant us a limited license to process your content to operate, provide, secure, and improve this Service — to transcribe, score, generate your coaching, let you replay your sessions, and derive structured notes and aggregate patterns across sessions that help us improve scenarios and coaching, as described in our Privacy Policy. We do not sell personal information. We work with our AI and voice providers under commercial terms rather than consumer ones, and where a provider offers an opt-out from training its models on submitted content, we have taken it. We own Cadence Coach itself — the software, models, prompts, content, and brand — and these Terms do not confer any ownership of it to you.

Feedback. If you send us ideas, suggestions, or other feedback about the Service, you agree that we may use them without restriction and without any obligation to you.

Pre-release features. We may offer features labeled beta, preview, or early access. They are provided for evaluation, may not work as intended, and may be changed or discontinued at any time.

8. Our Service is provided "as is"

The service is provided "as is" and "as available". We do not guarantee any particular score, coaching outcome, or result, and we do not guarantee that the service will be uninterrupted, error-free, or fit for a particular purpose.

To the maximum extent permitted by law, we disclaim warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Service's outputs will be accurate, complete, or suitable for any particular professional use.

9. Limitation of liability

To the maximum extent permitted by law, Cadence Coach and its suppliers are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenues, data, or goodwill, arising out of or relating to your use of the service. To the maximum extent permitted by law, our total liability for all claims relating to the service is limited to the amount you paid us for the service in the twelve months before the event giving rise to the claim.

Nothing in these Terms limits rights that cannot be waived or limited under applicable law, and nothing in them excuses fraud, deceptive statements, unlawful conduct, or any security obligation imposed by law.

Note: Some jurisdictions do not allow certain exclusions or limitations, so parts of the above may not apply to you.

10. Indemnification

You agree to indemnify and hold harmless Cadence Coach LLC, its members, officers, and staff from claims, losses, and reasonable legal costs arising out of your misuse of the Service, your violation of these Terms, your violation of law or the rights of any third party, or your real-world conduct with actual clients.

11. Disputes and governing law

12. Suspension and termination

You can stop using Cadence Coach and close your account at any time. We may suspend or terminate your access if you violate these Terms, misuse the Service, or create risk or legal exposure for us or other users. Sections that by their nature should survive — disclaimers, limitation of liability, indemnification, and dispute terms — survive termination.

13. Changes to these Terms

We may update these Terms from time to time. If we make a material change, we will take reasonable steps to let you know and we'll update the effective date above. Continuing to use this Service after a change takes effect means you accept the updated Terms.

14. General

Entire agreement. These Terms, together with the Privacy Policy, are the entire agreement between you and Cadence Coach about the Service and supersede any prior agreements on that subject.

Severability. If any provision of these Terms is found unenforceable, it will be enforced to the maximum extent permitted and the rest of these Terms remain in effect.

Assignment. You may not assign or transfer these Terms without our written consent. We may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets.

No waiver. If we do not enforce a provision of these Terms, that is not a waiver of our right to enforce it later.

Electronic communications. You agree that we may provide notices and other communications to you electronically — by email to the address on your account or through the Service — and that those satisfy any requirement that a communication be in writing.

15. Contact

Questions about these Terms? Email support@cadencecoach.ai. A real person will reply.