Terms of Service

1. Acceptance of Terms

By accessing the Site, submitting a contact form, scheduling a consultation, uploading content to any of our tools or audits, or entering into a paid engagement with us, you confirm that you have read, understood, and agreed to these Terms and our Privacy Policy, which is incorporated by reference. If you are entering into these Terms on behalf of a company, organization, or other legal entity, you represent that you have the authority to bind that entity, and "you" refers to both you individually and that entity.

We may update these Terms from time to time. Continued use of the Site or services after changes are posted constitutes acceptance of the revised Terms.

2. Eligibility

You must be at least 18 years old and capable of forming a legally binding contract under applicable law to use our services. The Site and our services are not directed to children under the age of 13, and we do not knowingly collect information from or provide services to children under 13. If you are accessing our services from a jurisdiction where doing so is prohibited, you are responsible for compliance with local laws.

3. Description of Services

Golden Horizons is an AI consultancy. Our services include, but are not limited to:

• AI readiness audits and assessments
• Automation workflow design and implementation
• Knowledge assistant and conversational AI development
• Custom AI build engagements and integrations
• Strategic consulting, advisory engagements, and workshops
• Digital tools, calculators, and self-serve audit products made available through the Site

We reserve the right to modify, suspend, discontinue, or change any aspect of our services at any time, including features, tools, pricing, third-party providers used in delivery, and the underlying technologies, models, or methodologies employed. We are not liable for any modification, suspension, or discontinuation of services.

4. Engagements and Statements of Work

Custom engagements (audits, builds, advisory, and similar services) are typically governed by a separate written proposal, statement of work, order form, or engagement letter ("Engagement Document") that supplements these Terms. In the event of a conflict between these Terms and an Engagement Document signed by both parties, the Engagement Document controls for that specific engagement, except for sections of these Terms governing AI output disclaimers, limitation of liability, indemnification, and intellectual property, which control unless expressly superseded.

5. Accounts, Communications, and Submissions

If you create an account, schedule a call, submit a form, upload content to an audit tool, or otherwise interact with us, you agree to provide accurate, current, and complete information and to keep that information up to date. You are responsible for maintaining the confidentiality of any access credentials and for all activity occurring under your account or submissions.

By contacting us, scheduling, or submitting a form, you consent to receive communications from us related to your inquiry or engagement. Marketing communications are sent only where permitted by law and may be opted out of at any time.

6. Payment Terms

6.1 Fees

Fees for paid services are set forth in the applicable Engagement Document, order form, or product listing. Unless otherwise stated, all fees are quoted in U.S. dollars and are exclusive of applicable taxes, which are your responsibility.

6.2 Invoicing and Payment

Unless otherwise agreed in writing, invoices are due upon receipt or per the schedule specified in the Engagement Document. We may require deposits, milestone payments, or payment in advance for certain engagements or digital products.

6.3 Late Payment

We reserve the right to charge late fees and interest on overdue amounts at the maximum rate permitted by applicable law, and to suspend or terminate services for non-payment after reasonable notice.

6.4 Refunds

Our refund policy applies as follows, except where superseded by the terms of an applicable Engagement Document or product listing:

• Digital products and self-serve audit tools. Fees for digital products, downloadable reports, and self-serve audit tools are non-refundable once access has been delivered or processing has been initiated, except as required by applicable law.
• Self-serve audit defect window. If a self-serve audit product fails to generate substantive output as a result of a confirmed technical defect on our side and the defect cannot be remediated within a reasonable period, you may request a refund within seven (7) days of original purchase by contacting [email protected]. Refund decisions for defect claims are made in good faith based on a reasonable review of the underlying issue.
• Custom engagements (audits, builds, advisory). Fees attributable to work already performed, milestones already delivered, or non-cancellable third-party costs already incurred are non-refundable. Pre-paid amounts attributable to work not yet started may be refunded, less any reasonable wind-down or cancellation fees specified in the Engagement Document, upon written termination notice in accordance with the Engagement Document.
• Recurring or subscription services. Recurring fees are non-refundable for the then-current billing period. You may cancel future renewals in accordance with the applicable subscription terms; cancellation takes effect at the end of the current billing period.
• Statutory rights preserved. Nothing in this Section limits any non-waivable refund or cancellation right you may have under applicable consumer protection law.

6.5 Payment Processing

Payments are processed by third-party payment processors. We do not store full payment card details on our systems. Use of those processors is subject to their terms.

7. Intellectual Property

7.1 Our IP

We retain all right, title, and interest in and to:

• The Site, its design, content, code, and underlying technology
• Our methodologies, frameworks, prompts, templates, processes, training materials, and know-how, including any pre-existing materials we use in delivering services
• Improvements, modifications, and derivative works of any of the foregoing developed by us, whether or not developed during a Client engagement

7.2 Client Deliverables

Subject to your full and timely payment of all fees due, we grant you a non-exclusive, perpetual, worldwide, royalty-free license to use, modify, and create derivative works from the final deliverables specifically prepared for you under an engagement, solely for your internal business purposes. We reserve the right to use generalized learnings, anonymized insights, and non-confidential know-how acquired during engagements for the benefit of our broader business.

7.3 Client Materials and Inputs

You retain ownership of all data, content, materials, and inputs you provide to us or upload to our tools ("Client Materials"). You grant us a non-exclusive, worldwide, royalty-free license to use, copy, process, transmit, and create derivative works of Client Materials solely as necessary to provide the services, operate our tools, comply with law, and improve our services as further described in these Terms.

7.4 Feedback

Any feedback, suggestions, or ideas you provide regarding our services may be used by us without restriction or compensation to you.

7.5 Trademarks

"Golden Horizons" and our logos are our trademarks. You may not use them without our prior written consent.

8. Confidentiality

Each party may receive information from the other that is non-public and reasonably understood to be confidential ("Confidential Information"). Each party agrees to:

• Use Confidential Information only for purposes of performing under these Terms or an Engagement Document
• Protect Confidential Information with at least the same degree of care it uses to protect its own confidential information, and no less than reasonable care
• Not disclose Confidential Information to third parties except to employees, contractors, agents, and service providers who have a need to know and are bound by similar confidentiality obligations

Confidentiality obligations do not apply to information that is publicly available, independently developed, lawfully obtained from a third party without restriction, or required to be disclosed by law or legal process. These obligations survive termination for a reasonable period sufficient to protect the disclosing party's interests.

9. AI Output Disclaimer and Responsible Use

This section is material to the bargain between the parties. By using our services, tools, or any deliverable that includes AI-generated outputs, you acknowledge and agree:

9.1 Nature of AI Outputs

Our services and tools may use artificial intelligence, machine learning models, and large language models, including models provided by third-party AI model providers and infrastructure partners. AI-generated outputs may contain errors, inaccuracies, omissions, fabrications (sometimes called "hallucinations"), biases, or out-of-date information. Outputs may vary across runs even with identical inputs.

9.2 No Reliance Without Review

AI outputs are intended as decision-support, drafting assistance, and informational tools — not as authoritative or final work product. You agree not to rely on AI outputs without independent human review and verification appropriate to the context and stakes of the decision.

9.3 No Warranty of Fitness

We make no representation or warranty that AI outputs are accurate, complete, current, suitable for any particular purpose, or fit for use in any regulated, high-stakes, or professional decision-making context. AI outputs are NOT a substitute for advice from a licensed professional and must NOT be used as the sole basis for legal, medical, financial, tax, accounting, safety-critical, employment, or other professional decisions. If you need such advice, consult a qualified licensed professional.

9.4 Client Responsibility

You are solely responsible for:

• Reviewing, validating, and verifying any AI output before relying on or acting on it
• All decisions and actions taken based on AI outputs
• Compliance with all laws, regulations, and third-party rights when using AI outputs
• Any consequences arising from your use, deployment, or distribution of AI outputs

9.5 Use of Inputs to Improve Services

We may use anonymized, aggregated, or de-identified inputs, prompts, outputs, and usage data to operate, secure, evaluate, debug, and improve our services, tools, and methodologies. We will not use Client Materials in a manner that identifies you or your organization for these purposes without your consent.

Client opt-out for paid engagements. Paid clients may request, through the applicable Engagement Document, that Client Materials submitted in connection with the engagement be excluded from any use for service improvement, training, evaluation, or model fine-tuning. Where the Engagement Document specifies such an exclusion, we will honor it within the scope and timeframes specified, and the exclusion controls over the default language in this Section 9.5.

9.6 AI Model Providers and Engagement-Specific Data Handling

The AI models, infrastructure, and data-handling approach used in any given service are scoped to the requirements of that service or engagement. For default tools available on the Site, your inputs may be transmitted to and processed by third-party AI model providers, infrastructure partners, and service providers, who operate under their own terms and may have independent data handling practices. We reserve the right to change providers, models, or methodologies at any time for default Site tools.

For engagements with elevated regulatory, confidentiality, or compliance requirements — including HIPAA-covered workloads, engagements requiring a Business Associate Agreement (BAA), or other regulated data categories — the applicable Engagement Document will define the data-handling scope, including whether processing occurs on-premises, on dedicated client infrastructure, on isolated compute, or without transmission to third-party model APIs. Where an Engagement Document specifies such constraints, those constraints control over the default language in this Section 9.

9.7 Prohibited Inputs

You agree not to submit to our default Site services or tools any content that is unlawful, infringes the rights of others, contains personal data of third parties without lawful basis, contains protected health information, contains payment card data, contains classified or export-controlled information, or is otherwise prohibited under Section 10, unless we have specifically agreed in writing — through an Engagement Document or executed Business Associate Agreement — to handle that category of data under appropriate safeguards. We reserve the right to refuse, halt, or remove processing of any input we determine, in our reasonable discretion, to be prohibited, harmful, abusive, or in violation of these Terms or applicable law, including but not limited to child sexual abuse material, content depicting non-consensual harm, content facilitating violence or terrorism, and content that violates applicable law.

10. Acceptable Use

You agree not to:

• Use the Site, services, or tools for any unlawful purpose or in violation of any applicable law or regulation
• Infringe, misappropriate, or violate the intellectual property, privacy, publicity, or other rights of any third party
• Attempt to gain unauthorized access to the Site, services, tools, accounts, systems, or networks
• Reverse engineer, decompile, disassemble, scrape, or extract source code, models, prompts, or proprietary methodologies, except to the extent expressly permitted by applicable law
• Interfere with, disrupt, overload, or impair the Site or services, including by introducing malware, conducting denial-of-service attacks, or making excessive automated requests
• Use the services or AI outputs to generate, distribute, or facilitate unlawful, defamatory, harassing, deceptive, fraudulent, or harmful content
• Resell, sublicense, or repackage our services, tools, or AI outputs without our prior written consent
• Use the services to train competing AI models or to develop a product that competes with our offerings
• Misrepresent your identity, affiliation, or the source of any content
• Circumvent any access controls, rate limits, or technical measures we put in place
• Use the Site, services, or tools in violation of U.S. export controls, economic sanctions, or trade restrictions, or while located in, or as a resident or national of, any country or region subject to U.S. embargoes or comprehensive sanctions (currently including Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, Luhansk, and Zaporizhzhia regions of Ukraine), or as a person or entity identified on any U.S. government restricted-party list, including the U.S. Department of the Treasury Office of Foreign Assets Control (OFAC) Specially Designated Nationals and Blocked Persons List, the U.S. Department of Commerce Denied Persons List or Entity List, or any equivalent restricted-party list maintained under applicable law

By accessing or using the Site, services, or tools, you represent and warrant that you are not located in, under the control of, or a national or resident of any country, region, or restricted-party list described above, and that you will not export, re-export, or transfer access to the Site, services, tools, or AI outputs in violation of applicable export-control or sanctions laws.

We may suspend or terminate access to the Site, services, or tools immediately, with or without notice, for any actual or suspected violation.

11. Accessibility

We are committed to making our Site and Services usable by people with a wide range of abilities. For our current accessibility commitments, known limitations, and how to request accommodations or report a barrier, see our Accessibility Statement.

12. Third-Party Services and Links

The Site, services, and tools may contain links to or integrations with third-party services, websites, providers, or content. We do not control and are not responsible for third-party services, and their inclusion does not imply endorsement. Your use of third-party services is governed by their own terms and policies.

13. Disclaimers

EXCEPT AS EXPRESSLY STATED IN A SIGNED ENGAGEMENT DOCUMENT, THE SITE, SERVICES, TOOLS, AND ALL OUTPUTS AND DELIVERABLES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, GOLDEN HORIZONS DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, AVAILABILITY, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.

WE DO NOT WARRANT THAT THE SITE, SERVICES, OR TOOLS WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM VULNERABILITIES OR HARMFUL COMPONENTS, OR THAT AI OUTPUTS WILL BE ACCURATE, RELIABLE, OR FIT FOR ANY PARTICULAR PURPOSE.

Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

13.1 Excluded Damages

IN NO EVENT WILL GOLDEN HORIZONS, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOST BUSINESS OPPORTUNITY, LOST DATA, BUSINESS INTERRUPTION, COST OF SUBSTITUTE SERVICES, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATED TO THESE TERMS, THE SITE, THE SERVICES, THE TOOLS, OR ANY AI OUTPUTS, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13.2 Aggregate Cap

OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS, THE SITE, THE SERVICES, THE TOOLS, AND ANY AI OUTPUTS WILL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES YOU ACTUALLY PAID TO US IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE LIABILITY, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

13.3 Basis of the Bargain

The limitations in this Section 14 apply even if any limited remedy fails of its essential purpose and form an essential basis of the bargain between the parties. Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so some of the above limitations may not apply to you.

15. Indemnification

You agree to defend, indemnify, and hold harmless Golden Horizons, its affiliates, and their respective officers, directors, employees, contractors, agents, and licensors from and against any and all claims, demands, actions, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the Site, services, tools, or AI outputs
• Your Client Materials, including any content you upload, submit, or transmit
• Your violation of these Terms
• Your violation of any law or the rights of any third party
• Decisions you make or actions you take based on AI outputs or our deliverables
• Your distribution, deployment, or commercialization of any deliverable

We will provide reasonable notice of any claim subject to indemnification and reasonable cooperation in the defense, and you will not settle any claim that imposes obligations on us without our prior written consent.

16. Termination

15.1 By You

You may stop using the Site and services at any time. Termination of a paid engagement is governed by the applicable Engagement Document.

15.2 By Us

We may suspend or terminate your access to the Site, services, or tools at any time, with or without cause and with or without notice, including for any violation of these Terms, non-payment, or for any operational, legal, or security reason.

15.3 Effect of Termination

Upon termination, your right to access and use the Site, services, and tools ceases. Provisions that by their nature should survive termination — including intellectual property, confidentiality, AI output disclaimers, disclaimers, limitation of liability, indemnification, governing law, and dispute resolution — will survive.

17. Governing Law

These Terms and any dispute arising out of or related to them, the Site, or our services are governed by and construed in accordance with the laws of the State of Wyoming and applicable U.S. federal law, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

18. Dispute Resolution

17.1 Informal Resolution

Before filing any formal claim, the parties agree to attempt in good faith to resolve any dispute informally by sending written notice describing the dispute to [email protected] and engaging in good-faith discussion for at least thirty (30) days.

17.2 Binding Arbitration

If the dispute is not resolved informally, the parties agree that any dispute, claim, or controversy arising out of or related to these Terms, the Site, the services, the tools, or any AI outputs will be resolved by final and binding arbitration seated in the State of Wyoming, or conducted remotely at the arbitrator's discretion, under commercially reasonable arbitration rules selected by Golden Horizons, before a single arbitrator. Judgment on the award may be entered in any court of competent jurisdiction. Each party will bear its own costs except as the arbitrator may otherwise allocate.

17.3 Class Action Waiver

THE PARTIES AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one party's claims and may not preside over any form of representative or class proceeding.

17.4 Exceptions

Notwithstanding the above, either party may bring an individual action in small claims court, and either party may seek injunctive or other equitable relief in the state or federal courts located in the State of Wyoming, or in any court of competent jurisdiction, to protect its intellectual property or confidential information. The parties consent to the personal jurisdiction of, and venue in, the state and federal courts of Wyoming for such actions.

17.5 Opt-Out

You may opt out of the arbitration provision by sending written notice to [email protected] within thirty (30) days of first accepting these Terms. Opting out does not affect any other provision of these Terms.

19. Changes to These Terms

We may modify these Terms at any time. The most current version will be posted on the Site with an updated "Last Updated" date. Material changes will be communicated through reasonable means, which may include posting on the Site or sending notice to a contact address you have provided. Continued use after changes take effect constitutes acceptance.

20. General Provisions

19.1 Entire Agreement

These Terms, together with our Privacy Policy and any applicable Engagement Document, constitute the entire agreement between you and Golden Horizons regarding the subject matter and supersede all prior or contemporaneous agreements, communications, and proposals on the subject.

19.2 Severability

If any provision is held invalid or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will remain in full force and effect.

19.3 Waiver

Our failure to enforce any right or provision is not a waiver of that right or provision.

19.4 Assignment

You may not assign or transfer these Terms or any rights or obligations under them without our prior written consent. We may assign these Terms freely, including in connection with a merger, acquisition, reorganization, or sale of assets.

19.5 Force Majeure

We are not liable for any failure or delay in performance caused by circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, governmental action, pandemic, internet or infrastructure outages, or failures of third-party providers.

19.6 Relationship of the Parties

The parties are independent contractors. Nothing in these Terms creates any partnership, joint venture, agency, franchise, or employment relationship.

19.7 Notices

Notices to us should be sent to [email protected]. Notices to you may be sent to the email address associated with your account or engagement.

19.8 Headings

Section headings are for convenience only and do not affect interpretation.

21. Copyright Infringement Notices (DMCA)

We respect the intellectual property rights of others and expect users to do the same. We respond to notices of alleged copyright infringement that comply with the U.S. Digital Millennium Copyright Act (17 U.S.C. § 512) ("DMCA").

20.1 Notice of Infringement

If you believe content available through the Site or our tools infringes a copyright you own or control, please send a written notice to our Designated Agent containing the following:

• A physical or electronic signature of the owner of, or a person authorized to act on behalf of the owner of, the allegedly infringed exclusive right
• Identification of the copyrighted work claimed to have been infringed (or, if multiple works, a representative list)
• Identification of the material claimed to be infringing or the subject of infringing activity, with information reasonably sufficient to permit us to locate the material (such as the URL)
• Your contact information, including name, address, telephone number, and email address
• A statement that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law
• A statement, made under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or are authorized to act on the owner's behalf

20.2 Designated Agent

Send DMCA notices to our Designated Agent:

DMCA Designated Agent
Golden Ratio Services LLC, doing business as Golden Horizons
c/o United States Corporation Agents, Inc.
159 N Wolcott St, Ste 133
Casper, WY 82601, USA
Email: [email protected] (subject line: "DMCA Notice")

Notices that do not comply with the DMCA may not be effective. Knowingly submitting a materially false notice may result in liability under 17 U.S.C. § 512(f), including attorneys' fees and costs.

20.3 Counter-Notice

If you believe material you submitted was removed or disabled by mistake or misidentification, you may submit a counter-notice to the Designated Agent containing:

• Your physical or electronic signature
• Identification of the material that was removed or disabled and the location at which it appeared before removal or disabling
• A statement, under penalty of perjury, that you have a good-faith belief the material was removed or disabled as a result of mistake or misidentification
• Your name, address, and telephone number, and a statement that you consent to the jurisdiction of the federal court for the judicial district in which you reside (or, if outside the United States, the federal court for any judicial district in which we may be found), and that you will accept service of process from the person who provided the original notice or that person's agent

Upon receipt of a valid counter-notice, we may restore the removed material in accordance with the DMCA, unless the original complainant files a court action against you within ten (10) business days seeking a court order to restrain the alleged infringing activity.

20.4 Repeat Infringers

We will, in appropriate circumstances and at our discretion, terminate or suspend the accounts and access of users who are determined to be repeat infringers.

22. Contact

Questions about these Terms:

Golden Ratio Services LLC, a Wyoming limited liability company
doing business as Golden Horizons
c/o United States Corporation Agents, Inc.
159 N Wolcott St, Ste 133
Casper, WY 82601, USA
Email: [email protected]
Website: goldenhorizons.io