Legal
Last updated: July 30, 2026
These Terms of Service ("Terms") are a binding agreement between you and Life Builder ("Life Builder," "we," "us") covering your access to and use of the Life Builder website, apps, and AI coaching platform (the "Service"). By creating an account or otherwise using the Service, you agree to these Terms and to our Privacy Policy and Cookie Policy, which are incorporated by reference. If you do not agree, do not use the Service.
You must be at least 16 years old to use the Service — or, where the law of your country, state, or territory sets a higher minimum age for using services like this one (including a higher digital age of consent), you must meet that higher age instead. You are solely responsible for knowing and complying with the minimum age that applies to you where you live. By creating an account, you represent and warrant that you meet this requirement and that all information you provide is truthful and accurate; if it later turns out you did not, you accessed the Service in violation of these Terms and at your own risk, and we bear no responsibility for that unauthorized use. You are responsible for maintaining the confidentiality of your account credentials (including any Google sign-in) and for all activity under your account, authorized or not. Notify us immediately at support@48mp.com if you suspect unauthorized access. You may not share your account or transfer it to anyone else without our consent.
You agree to use the Service only for lawful personal (or, on Elite plans, internal team) development purposes. You may not: use the Service to harass, defame, or harm others; upload unlawful, infringing, or malicious content; attempt to probe, scan, reverse-engineer, or extract the underlying models, prompts, or source code behind our AI features; use automated means (bots, scrapers) to access the Service beyond what we make available via a documented API; interfere with or disrupt the integrity or performance of the Service; or use the Service to build a competing product from data or outputs obtained through it. We may investigate and act on suspected violations, including suspending or terminating access.
Some features require a paid subscription (Pro, Premium, or Elite), billed monthly or annually as selected at checkout. Subscription purchases are processed by Paddle.com Market Ltd, our authorized reseller and merchant of record, which handles payment collection, applicable sales tax/VAT, and invoicing; your payment relationship for those charges is with Paddle, governed additionally by Paddle's own buyer terms. You can view or cancel your subscription anytime from Settings → Billing, which opens a Paddle-hosted customer portal. Cancellation takes effect at the end of the current billing period; we do not provide prorated refunds for the unused portion of a period. If you're within 30 days of your first payment on a plan, contact support@48mp.com for a full refund, no questions asked. We may change subscription pricing prospectively with notice; continued use after a price change takes effect constitutes acceptance of the new price at your next renewal.
"Your Content" means the goals, journal entries, messages, notes, and other material you submit to the Service. You retain all ownership rights in Your Content. By submitting it, you grant Life Builder a worldwide, non-exclusive, royalty-free license to host, store, reproduce, and process Your Content solely to operate, provide, secure, and improve the Service for you (including generating AI coaching output based on it). This license ends when you delete the relevant content or your account, except for content already in encrypted backups awaiting routine deletion. You are solely responsible for Your Content and for having the rights necessary to submit it.
Life Builder's AI Coach, Decision Simulator, Digital Twin, and related features use third-party large language models to generate goal plans, coaching responses, correlation insights, and decision analysis. AI-generated output is produced automatically, without human review, and by its nature can be inaccurate, incomplete, outdated, biased, nonsensical, or simply wrong ("hallucinated") — including when it sounds confident or specific. It is provided for informational and motivational purposes only. It is NOT professional medical, psychological, psychiatric, financial, legal, tax, or other licensed advice, is not a diagnosis or treatment, and is not a substitute for consulting a qualified, licensed professional. If you are in crisis or facing a medical or psychological emergency, contact emergency services or a qualified professional immediately — not the Service. You choose, at your own discretion and initiative, whether to read, follow, rely on, or act on any AI-generated output; nobody at Life Builder directs, reviews, or approves it before it reaches you. Accordingly, you assume full and sole responsibility for any decision you make, action you take, or outcome (financial, physical, emotional, professional, or otherwise) that results from your use of or reliance on AI-generated output, and any resulting harm or loss is your own fault, not ours, to the maximum extent permitted by law.
The Service, including its software, design, text, graphics, and the Life Builder name and logo, is owned by Life Builder or its licensors and protected by intellectual property law. Except for Your Content and the limited right to use the Service as intended, we grant you no rights to our intellectual property, and you may not copy, modify, distribute, or create derivative works from the Service without our written permission.
The Service relies on third-party providers to function, including Anthropic (AI processing), Paddle (billing), Resend (transactional email), our hosting infrastructure, and, where you consent to non-essential cookies, Google Analytics and Meta (analytics and advertising measurement). Your use of the Service is also subject to the applicable terms of these providers where you interact with them directly (for example, Paddle's checkout, or Google's sign-in).
You may delete your account at any time from Settings → Account; deletion is immediate and permanent per our Privacy Policy. We may suspend or terminate your access if you violate these Terms, if required by law, or if we discontinue the Service, with notice where reasonably practicable. Sections of these Terms that by their nature should survive termination (ownership, disclaimers, limitation of liability, dispute resolution) will survive.
THE SERVICE, INCLUDING ALL AI-GENERATED OUTPUT, IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY, RELIABILITY, OR COMPLETENESS OF AI-GENERATED CONTENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY GOAL, OUTCOME, OR LIFE RESULT WILL BE ACHIEVED THROUGH ITS USE. WE DO NOT WARRANT AND EXPRESSLY DISCLAIM ANY RESPONSIBILITY FOR THE ACCURACY, SAFETY, OR APPROPRIATENESS OF ANY AI-GENERATED RECOMMENDATION, PLAN, INSIGHT, OR COACHING RESPONSE.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW: (A) LIFE BUILDER WILL NOT BE LIABLE, UNDER ANY THEORY OF LIABILITY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE), FOR ANY DAMAGES, LOSSES, INJURY, OR CLAIMS OF ANY KIND ARISING FROM OR RELATED TO AI-GENERATED OUTPUT — INCLUDING ANY GOAL PLAN, COACHING MESSAGE, DECISION SIMULATOR RESULT, JOURNAL INSIGHT, OR DIGITAL TWIN CORRELATION — OR FROM YOUR DECISION TO READ, TRUST, OR ACT ON IT, EVEN IF THAT OUTPUT IS INACCURATE, INCOMPLETE, OR HARMFUL; SUCH RELIANCE AND ITS CONSEQUENCES ARE ENTIRELY YOUR OWN RESPONSIBILITY AND, WHERE THINGS GO WRONG AS A RESULT, YOUR OWN FAULT, NOT OURS; (B) LIFE BUILDER WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR LIFE, HEALTH, CAREER, OR FINANCIAL OUTCOMES, ARISING FROM YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; AND (C) OUR TOTAL AGGREGATE LIABILITY FOR ANY AND ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (I) THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR (II) USD $100. THESE LIMITATIONS APPLY EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW (SUCH AS LIABILITY FOR OUR OWN GROSS NEGLIGENCE, FRAUD, OR DEATH OR PERSONAL INJURY WHERE MANDATORY CONSUMER-PROTECTION LAW SO REQUIRES).
You agree to indemnify, defend, and hold harmless Life Builder and its officers, employees, and contractors from any claims, losses, liabilities, damages, or expenses (including reasonable legal fees) arising from or related to: your violation of these Terms; Your Content; your misuse of the Service; your decisions, actions, or omissions taken in reliance on AI-generated output; or your breach of the age, eligibility, or accuracy representations in Section 2 — except to the extent any of the foregoing is caused by our own breach of these Terms.
We may update these Terms from time to time to reflect changes to the Service or applicable law. We'll update the "Last updated" date below and, for material changes, provide reasonable notice (such as an in-app notice or email). Continued use of the Service after a change takes effect constitutes acceptance of the updated Terms.
If a dispute arises, you agree to first contact us at legal@48mp.com and attempt to resolve it informally; most concerns can be resolved this way. These Terms are intended to apply on a worldwide basis and should be interpreted consistently with generally recognized principles of contract law. Nothing in these Terms limits any right or protection that mandatory consumer-protection law in your country of residence grants you, and where such mandatory law conflicts with a provision here, the mandatory local law controls solely to the extent of that conflict.
If any provision of these Terms is found unenforceable, the remaining provisions remain in full effect. Our failure to enforce a provision is not a waiver of it. These Terms, together with the Privacy Policy and Cookie Policy, are the entire agreement between you and Life Builder regarding the Service. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets.
Questions about these Terms: legal@48mp.com. Billing questions: support@48mp.com.