Terms of Use

These Terms of Use (“Terms”) constitute a legally binding agreement between you (“you” or “User”) and Mosaic Singularity Inc. (“Company,” “we,” “us,” or “our”), governing your access to and use of Permission Zero, including our website, mobile applications (iOS and Android), telephone services, SMS services, and all related features and content (collectively, the “Service”). By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not access or use the Service.

1. Eligibility

You must be at least 18 years of age to use the Service. By creating an account, you represent and warrant that you are at least 18 years old, that you have the legal capacity to enter into these Terms, and that all information you provide during registration is accurate, current, and complete. We reserve the right to suspend or terminate accounts where we reasonably believe these requirements are not met.

2. Account Registration and Security

To use the Service, you must create an account by providing your name, email address, and phone number, and by completing our verification process. You are responsible for:

• Maintaining the confidentiality of your account credentials and authentication methods.
• All activities that occur under your account.
• Notifying us immediately of any unauthorized access or use of your account.

We are not liable for any loss or damage arising from your failure to protect your account credentials. We may require multi-factor verification to protect your account.

3. The Service

Permission Zero is a personal operating system platform that provides AI-powered productivity tools, personalized guidance, community features, and learning resources. The Service includes:

• A Personal OS with configurable AI personalities and voice preferences.
• Vision board, AI calendar, and goal-tracking tools.
• Access to a learning hub and community features.
• Communication channels including text, voice, email, and SMS.

We reserve the right to modify, suspend, or discontinue any feature of the Service at any time, with or without notice. We will use reasonable efforts to provide advance notice of material changes.

4. Subscription, Billing, and Payments

4.1 Subscription Plans

Access to the Service requires a paid subscription. We offer monthly and annual billing cycles. Current pricing is displayed on our membership page and during the registration process. Prices are subject to change upon thirty (30) days’ prior written notice. A single subscription covers all members of your household.

4.2 Free Trial

We may offer a free trial period for new subscribers. Unless you cancel before the trial period expires, your subscription will automatically convert to a paid subscription at the then-current rate. You will not be charged during the trial period. Only one trial per household.

4.3 Payment Processing

Payments are processed by Stripe, Inc. By subscribing, you authorize us to charge your designated payment method on a recurring basis. You agree to maintain valid payment information. If a payment fails, we may suspend access to the Service until the payment issue is resolved.

4.4 Cancellation

You may cancel your subscription at any time. Upon cancellation, you will retain access to the Service through the end of your current billing period. No refunds will be issued for partial billing periods, except during an active trial period or as otherwise required by applicable law.

4.5 Promotional Codes

Promotional or coupon codes are subject to their specific terms and may not be combined, transferred, or redeemed for cash. We reserve the right to modify or discontinue promotional offers at any time.

5. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You shall not:

• Use the Service in any manner that violates any applicable law or regulation.
• Impersonate any person or entity, or falsely represent your affiliation with any person or entity.
• Interfere with, disrupt, or attempt to gain unauthorized access to the Service, its servers, or connected networks.
• Reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Service.
• Use the Service to transmit malware, spam, or any harmful or deceptive content.
• Use automated means (bots, scrapers, crawlers) to access the Service without our prior written consent.
• Use the Service to harass, abuse, or threaten any other person.
• Sublicense, resell, or redistribute the Service or any part thereof.
• Use the Service in a manner that could damage, disable, or impair the Service.

We reserve the right to investigate and take appropriate action, including suspension or termination of your account, for violations of this section.

6. AI-Generated Content

The Service utilizes artificial intelligence to generate responses, recommendations, and content (“AI Content”). You acknowledge and agree that:

• AI Content is provided for informational and motivational purposes only and does not constitute professional advice (including but not limited to medical, legal, financial, or psychological advice).
• AI Content may not always be accurate, complete, or current. You should independently verify any information before relying on it.
• Your interactions with the AI are not confidential in the same manner as a professional-client relationship.
• We are not liable for any decisions you make based on AI Content.

7. Intellectual Property

7.1 Our Intellectual Property

The Service, including all software, designs, text, graphics, logos, trademarks, and other content, is owned by or licensed to Mosaic Singularity Inc. and is protected by copyright, trademark, and other intellectual property laws. These Terms do not grant you any right, title, or interest in the Service except for the limited right to use the Service in accordance with these Terms.

7.2 Your Content

You retain ownership of any content you submit to the Service (“User Content”). By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free license to use, process, and store your User Content solely as necessary to provide and improve the Service. We will not use your User Content for advertising purposes or share it with third parties except as described in our Privacy Policy.

7.3 Feedback

If you provide us with feedback, suggestions, or ideas regarding the Service, you grant us an unrestricted, perpetual, irrevocable, non-exclusive, royalty-free right to use such feedback for any purpose without compensation or attribution.

8. SMS and Communications Consent

By providing your phone number and opting in during registration, you expressly consent to receive communications from us, including:

• Transactional messages (verification codes, account alerts, service notifications).
• Service messages (Personal OS communications, alignment prompts).
• Marketing messages (where separately opted in: promotions, updates, community announcements).

Message and data rates may apply. Message frequency varies. Consent to receive SMS messages is not a condition of purchase. You may opt out of marketing SMS at any time by replying STOP. For help, reply HELP or contact us at support@permissionzero.com.

9. Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review the Privacy Policy to understand how we collect, use, and protect your information.

10. Third-Party Services

The Service integrates with or may contain links to third-party services, including Stripe for payment processing and Apple App Store and Google Play for mobile application distribution. These third-party services are governed by their own terms and privacy policies. We are not responsible for the content, practices, or availability of any third-party services. Your use of third-party services is at your own risk.

11. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL MOSAIC SINGULARITY INC., ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY.

OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU HAVE PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

13. Indemnification

You agree to indemnify, defend, and hold harmless Mosaic Singularity Inc. and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any third-party right, including any intellectual property, privacy, or proprietary right; or (d) any User Content you submit.

14. Dispute Resolution

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

14.2 Binding Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules. The arbitration shall take place in the State of Delaware. The arbitrator’s award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

14.3 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU EXPRESSLY WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION OR CLASS-WIDE ARBITRATION.

14.4 Exceptions

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement or misappropriation of intellectual property rights.

15. Termination

We may suspend or terminate your access to the Service at any time, with or without cause, and with or without notice. Upon termination, your right to use the Service ceases immediately. Sections that by their nature should survive termination shall survive, including but not limited to Sections 6 (AI-Generated Content), 7 (Intellectual Property), 11 (Disclaimers), 12 (Limitation of Liability), 13 (Indemnification), and 14 (Dispute Resolution). You may terminate your account at any time by canceling your subscription and contacting us to request account deletion.

16. Modifications to These Terms

We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by posting the updated Terms on this page with a revised effective date and, where required by law, by email or in-app notification at least thirty (30) days before the changes take effect. Your continued use of the Service after the effective date of any modifications constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must stop using the Service and cancel your subscription.

17. General Provisions

• Entire Agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Mosaic Singularity Inc. regarding the Service and supersede all prior agreements.
• Severability. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
• Waiver. Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.
• Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction.
• Force Majeure. We shall not be liable for any failure to perform our obligations where such failure results from circumstances beyond our reasonable control, including but not limited to natural disasters, war, pandemic, governmental actions, or internet disruptions.
• Notices. We may provide notices to you via email, in-app notification, or by posting on the Service. You may provide notice to us at the contact information below.

18. Contact Us

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