Terms of Service

1. The Service

Stratum is an AI-powered business operating system that provides founders and business operators with access to AI executives — including but not limited to CFO, Head of Sales, Head of Support, PM, Head of Operations, Legal & Compliance, Head of Growth, HR, and CEO advisory functions.

The Service is intended for business use. You represent that you are using the Service in connection with a legitimate business purpose.

2. Accounts

2.1 Registration

To use the Service you must create an account. You agree to provide accurate and complete information and to keep your account information updated.

2.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately at ose@stratum.ceo if you become aware of any unauthorised use of your account.

2.3 One Account Per User

Each account is for a single user. You may not share your account credentials with others or allow others to access your account.

3. Subscriptions and Billing

3.1 Free Trial

New accounts receive a 14-day free trial. Your payment method will not be charged until the trial period ends. You may cancel at any time before the end of the trial period without being charged.

3.2 Subscription Plans

After the trial period, continued use of the Service requires a paid subscription. Current plans and pricing are available at stratum.ceo/pricing. We reserve the right to change pricing with 30 days’ notice.

3.3 Billing

Subscriptions are billed monthly or annually in advance. All fees are non-refundable except as required by applicable law or as expressly stated in these Terms.

3.4 Cancellation

You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period. You will retain access to the Service until the end of the period for which you have paid.

3.5 Failed Payments

If payment fails, we will attempt to notify you. If payment is not received within 7 days, your account may be suspended. Your data will be retained for 30 days after suspension before deletion.

4. Your Data

4.1 Your Content

You retain ownership of all data, documents, and information you upload to or create within the Service (“Your Content”). You grant us a limited licence to process Your Content solely to provide the Service.

4.2 Data Use

We do not sell Your Content to third parties. We do not use Your Content to train AI models without your explicit consent. Your Content is used solely to provide and improve the Service for your account.

4.3 Data Isolation

Each company account is fully isolated. Your data is never accessible to other Stratum users or companies.

4.4 Data Export

You may export your data at any time from your account settings. We will provide your data in a machine-readable format upon request.

4.5 Data Deletion

Upon account termination or cancellation, your data will be retained for 30 days and then permanently deleted unless you request earlier deletion or we are required by law to retain it.

5. AI Executives — Important Limitations

5.1 Not Professional Advice

The AI executives provided through the Service are not licensed professionals. Specifically:

• The Legal & Compliance executive is not a lawyer and does not provide legal advice. Nothing it produces constitutes legal advice or creates an attorney-client relationship.
• The CFO executive is not a licensed accountant, financial advisor, or investment adviser. Nothing it produces constitutes financial, accounting, tax, or investment advice.
• The HR executive is not an employment lawyer or licensed HR professional. Nothing it produces constitutes employment law advice.

You should consult qualified licensed professionals before making significant legal, financial, employment, or other business decisions.

5.2 AI Limitations

AI systems can make mistakes. The AI executives may produce inaccurate, incomplete, or outdated information. You are responsible for verifying any information produced by the Service before acting on it.

5.3 No Autonomous Actions

The Service does not take autonomous actions that affect third parties without your explicit approval. Sending communications, making payments, or taking other consequential actions always requires your explicit instruction and confirmation.

6. Acceptable Use

You agree not to use the Service to:

• Violate any applicable law or regulation
• Infringe the intellectual property rights of others
• Upload or transmit malicious code, viruses, or harmful content
• Attempt to gain unauthorised access to the Service or its infrastructure
• Reverse engineer, decompile, or attempt to extract the source code of the Service
• Use the Service to build a competing product
• Scrape, crawl, or use automated means to extract data from the Service
• Upload content that is unlawful, defamatory, obscene, or harmful
• Misrepresent your identity or affiliation

7. Intellectual Property

7.1 Our Property

The Service, including its software, design, and content (excluding Your Content), is owned by us and protected by intellectual property laws. These Terms do not grant you any rights to our intellectual property except the limited right to use the Service as described herein.

7.2 Feedback

If you provide feedback, suggestions, or ideas about the Service, you grant us a perpetual, irrevocable, worldwide, royalty-free licence to use that feedback without restriction or compensation to you.

8. Third-Party Integrations

The Service integrates with third-party services (such as QuickBooks, HubSpot, Stripe, and others). Your use of these integrations is subject to the terms and privacy policies of those third parties. We are not responsible for the actions, content, or policies of third-party services.

9. Confidentiality

We treat your business data as confidential. We will not disclose Your Content to third parties except: (a) as required by law; (b) with your explicit consent; (c) to our service providers who are bound by confidentiality obligations; or (d) in connection with a merger, acquisition, or sale of assets (with notice to you).

10. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUE, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE SERVICE.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM.

12. Indemnification

You agree to indemnify and hold us harmless from any claims, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from: (a) your use of the Service; (b) Your Content; (c) your violation of these Terms; or (d) your violation of any third-party rights.

13. Termination

13.1 By You

You may terminate your account at any time by cancelling your subscription and deleting your account from the settings page.

13.2 By Us

We may suspend or terminate your account immediately if you violate these Terms, if we believe your use poses a risk to the Service or other users, or if required by law.

13.3 Effect of Termination

Upon termination, your right to use the Service ceases immediately. Sections 4.5, 5, 7, 10, 11, 12, and 14 survive termination.

14. Governing Law and Disputes

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles. Any disputes arising from these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction.

15. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by email or by posting a notice in the Service at least 14 days before the changes take effect. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.

16. Contact

If you have questions about these Terms, contact us at:

Stratum
ose@stratum.ceo
stratum.ceo