Terms of Service – Part 1 of 4

(Sections 1–5, in full legal detail)

MINDPILOT™ TERMS OF SERVICE

Effective Date: January 2025

Provider: Insight Dynamics LLC (“Insight Dynamics,” “we,” “us,” “our”)

Product: MindPilot™, including Cognitive Flight Reports™, Reasoning Scorecards, and all related services (collectively, the “Service”).

Please read these Terms of Service (“Terms”) carefully before using the Service. By accessing or using the Service in any way, you agree to be bound by these Terms. If you do not agree, do not access or use the Service.

1. Overview & Eligibility

1.1 Overview

MindPilot is an AI-assisted reasoning-analysis and educational tool. It generates structured reports (Cognitive Flight Reports™) about how clearly and fairly text-based content is argued, focusing on reasoning patterns, logical fallacies, cognitive biases, rhetorical tactics, and related features.

MindPilot is designed for reflection and education. It does not provide factual verification, professional advice, or outcome guarantees.

1.2 No Professional Advice

MindPilot’s outputs (“Reports,” “Cognitive Flight Reports,” or “Output”) are:

You are solely responsible for how you interpret and use any Output, including decisions you make based on it.

1.3 Eligibility

You may use the Service only if:

We may set additional age or identity requirements in the future, including higher minimum age thresholds in certain jurisdictions.

1.4 Changes to the Service

We may modify, suspend, or discontinue any part of the Service at any time, including by adding or removing features, adjusting usage limits, or changing pricing tiers (if applicable in the future). We will make reasonable efforts to provide notice of material changes.

Your continued use of the Service after changes take effect constitutes acceptance of those changes.

2. Accounts, Access & Security

2.1 Accounts (When Enabled)

The Service may, now or in the future, allow or require creation of an account. When creating an account, you agree to:

You are responsible for all activities that occur under your account, whether or not you authorized them. We are not liable for any loss or damage arising from unauthorized use of your account.

2.2 Access Without Account

We may allow limited, anonymous, or non-registered access to the Service (“public access”). Even without an account, you are bound by these Terms when you use the Service.

2.3 Security & Abuse Prevention

We implement technical and organizational measures to protect the Service and may use rate limiting, IP-based throttling, abuse detection, and other controls. You agree not to:

2.4 Suspension & Termination by Us

We may suspend or terminate access to the Service, in whole or in part, with or without notice, if we reasonably believe:

We will make reasonable efforts to notify you when feasible, but are not obligated to do so in emergency situations or when prohibited by law.

3. Description of the Service

3.1 MindPilot’s Purpose

MindPilot is designed to:

MindPilot is not an automated truth detector, fact checker, or predictive engine. It examines reasoning patterns in the content provided, not the empirical truth of every claim.

3.2 Use of AI Providers

MindPilot uses third-party AI providers (such as OpenAI and xAI/Grok) as part of its analysis pipeline. Your inputs may be processed by those providers solely for generating Output and operating the Service, consistent with their privacy and usage guidelines.

We do not authorize those providers to use your content to train their foundation models, subject to each provider’s applicable policies and contractual commitments.

3.3 Experimental & Evolving Nature

The Service is actively evolving. Algorithmic behaviors, output styles, correctness, and user interface may change over time. You understand and agree that:

3.4 No Guarantee of Continuous Availability

The Service may be unavailable due to scheduled maintenance, unplanned outages, provider outages (e.g., OpenAI or xAI disruptions), or other technical issues. We are not liable for any harm or loss resulting from downtime.

4. User Content & Permitted Uses

4.1 User Content

“User Content” means text, data, messages, prompts, transcripts, files, URLs, metadata, or other materials you submit to the Service.

4.2 Your Responsibilities

You represent and warrant that:

4.3 Prohibited Content

You agree not to submit or use the Service to generate or disseminate:

4.4 License You Grant to Us

By submitting User Content, you grant Insight Dynamics LLC a worldwide, non-exclusive, royalty-free, sublicensable license to:

We do not claim ownership of your original User Content. You retain whatever ownership rights you have in your User Content, subject to the above license.

5. Acceptable Use & Usage Limits

5.1 Acceptable Use

In addition to other restrictions in these Terms, you agree not to:

5.2 Rate Limiting & Quotas

We may enforce usage limits, including but not limited to:

We may adjust these limits at any time, with or without notice, to ensure stability, control costs, and prevent abuse.

5.3 Automated & High-Volume Usage

Any automated, scripted, or high-volume use (e.g., integration into other tools, use as a back-end for a commercial product) requires our prior written permission or a separate commercial license. We reserve the right to block or throttle automated access that we believe violates these Terms.

Terms of Service – Part 2 of 4

(Sections 6–10, in full legal detail)

6. Output, Accuracy & Limitations

6.1 Nature of the Output

The Service generates Output (including, but not limited to, Cognitive Flight Reports™, Rationality Profiles™, fallacy/bias listings, and explanatory commentary) using artificial intelligence models and heuristic structures. You understand and agree that:

You should treat all Output as suggestions and prompts for further thinking, not as final or authoritative judgments.

6.2 Output License

We grant you a limited, non-exclusive, worldwide, revocable, non-transferable license to use, reproduce, and display the Output solely for your personal or internal business purposes.

You may not:

Except for this limited license, all rights in and to the Output, including the underlying analysis framework, remain with Insight Dynamics LLC.

6.3 No Warranty on Output

All Output is provided on an “AS IS” and “AS AVAILABLE” basis. We make no representations or warranties, express or implied, regarding:

You assume all risk for your use of any Output generated by the Service.

7. Fees & Payment (If/When Applicable)

7.1 Free and Paid Tiers

The Service may include free access, paid subscriptions, or both. We reserve the right to introduce, modify, or discontinue pricing plans at any time.

If you enroll in a paid plan, you agree to pay all applicable fees, taxes, and charges in accordance with the billing terms presented to you at the time of purchase.

7.2 Billing & Third-Party Processors

We may use third-party payment processors (such as Stripe) to handle billing. By providing payment information, you authorize those processors to charge your payment method for the relevant amounts.

We do not store full credit card numbers, and your use of third-party payment processors is governed by their terms and privacy policies.

7.3 Renewals & Cancellations

Subscription plans may renew automatically at the end of each billing period, unless you cancel your subscription in accordance with the instructions provided in the Service.

Unless otherwise stated, all fees are non-refundable, except where required by law or explicitly stated in a separate refund policy.

7.4 Pricing Changes

We may change prices for paid plans from time to time. Price changes will generally apply at the start of your next billing cycle, after notice is provided.

8. Third-Party Services & Links

8.1 Third-Party Providers

The Service may rely on or integrate with third-party providers, including but not limited to:

Your use of those providers may be subject to additional terms and privacy policies. We are not responsible for the acts or omissions of third-party providers.

8.2 Links to Other Sites

The Service may contain links to third-party websites or resources. We provide these links as a convenience and do not endorse or control the content on those sites. We are not responsible for any damages or issues arising from your use of third-party sites.

9. Privacy

9.1 Privacy Policy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your information. By using the Service, you acknowledge that you have reviewed and agree to the Privacy Policy.

9.2 Data Processing by AI Providers

User Content may be processed by AI providers solely to generate Output and operate the Service. We do not sell your personal data or use it to train general-purpose models, subject to the limitations of our contracts and the policies of those providers.

9.3 Logs & Telemetry

We may collect logs and telemetry (e.g., timestamps, request metadata, anonymized usage patterns) to monitor and improve the Service, detect abuse, and ensure security.

10. Beta Features & Pre-Release Tools

10.1 Beta Programs

We may offer early access or “beta” features. These features are provided for testing and feedback purposes and may be subject to additional terms or limitations.

10.2 Increased Risk

Beta features may be less stable, less accurate, or less secure than production features. You agree to use beta features at your own risk and understand that:

Terms of Service – Part 3 of 4

(Sections 11–15, in full legal detail)

11. Disclaimers

11.1 Service “AS IS”

THE SERVICE AND ALL OUTPUTS ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

11.2 No Guarantees of Accuracy

WE DO NOT WARRANT THAT:

11.3 No Responsibility for Decisions

YOU ARE SOLELY RESPONSIBLE FOR ANY DECISIONS YOU MAKE BASED ON THE SERVICE OR OUTPUT. WE ARE NOT RESPONSIBLE FOR ANY LOSS, DAMAGE, OR HARM RESULTING FROM YOUR RELIANCE ON THE SERVICE OR OUTPUT.

12. Limitation of Liability

12.1 Exclusion of Certain Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL INSIGHT DYNAMICS LLC OR ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING DAMAGES FOR LOST PROFITS, LOSS OF GOODWILL, LOSS OF DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SERVICE OR OUTPUT.

12.2 Liability Cap

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID US (IF ANY) FOR ACCESS TO THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM OR ONE HUNDRED U.S. DOLLARS ($100), WHICHEVER IS GREATER.

12.3 Application of Limitations

THE LIMITATIONS IN THIS SECTION APPLY REGARDLESS OF THE THEORY OF LIABILITY (WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE), EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13. Intellectual Property

13.1 Ownership

Insight Dynamics LLC owns all right, title, and interest in and to the Service and all related intellectual property, including without limitation:

Except for the limited licenses granted to you in Section 6, no rights are transferred to you, and all rights not expressly granted are reserved by Insight Dynamics LLC.

13.2 Proprietary Reasoning-Analysis System

MindPilot uses a proprietary, multi-pass reasoning-analysis system that includes, without limitation:

These methods, sequences, prompts, and layouts constitute proprietary intellectual property and, where applicable, trade secrets and patentable processes.

13.3 Restrictions

You may not, and you agree not to permit any third party to:

Any attempt to do any of the foregoing is a material breach of these Terms and may also violate copyright, trade secret, trademark, and other laws.

13.4 Trademarks

The names and marks MindPilot™, MindPilot AI™, Cognitive Flight Report™, MindPilot Analysis Engine™, Rationality Profile™, Master Fallacy & Bias Map™, Cognitive Turbulence Detector™, Compressed Taxonomy Reasoning Framework™, and Insight Dynamics™ are trademarks and/or service marks of Insight Dynamics LLC.

You may not use these marks, or any confusingly similar marks, without our prior written permission. All other trademarks, service marks, and logos appearing in the Service are the property of their respective owners.

13.5 DMCA Notice Policy

Insight Dynamics LLC complies with the Digital Millennium Copyright Act (DMCA). If you believe that any content made available through the Service infringes your copyright, you may send a written notice that includes:

Notices should be sent to the contact address in Section 20 (Contact Information). We may remove the allegedly infringing material and take other appropriate action as required or permitted by law.

13.6 Incorporation by Reference of Additional IP Terms

Insight Dynamics LLC may publish additional Copyright & Intellectual Property notices, trade dress statements, and trademark disclosures on the MindPilot website or related legal pages. Those documents, as updated from time to time, are incorporated by reference into these Terms and supplement (but do not limit) the intellectual property protections set forth in this Section 13.

Terms of Service – Part 4 of 4

(Sections 16–20, in full legal detail)

14. Indemnification

You agree to indemnify, defend, and hold harmless Insight Dynamics LLC and its officers, directors, employees, contractors, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

15. Dispute Resolution & Arbitration

15.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms.

15.2 Mandatory Arbitration

Except for claims that qualify for small claims court and certain intellectual property claims (as described below), you and Insight Dynamics LLC agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Service (collectively, “Disputes”) shall be resolved solely by binding arbitration on an individual basis.

The arbitration shall be administered by a reputable arbitration provider (such as JAMS or the American Arbitration Association) under its applicable rules. The arbitration may be conducted remotely or in DuPage County, Illinois, unless you and we agree otherwise.

15.3 Class Action Waiver

YOU AND INSIGHT DYNAMICS LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. UNLESS BOTH YOU AND WE AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING.

15.4 Small Claims Court

Either party may bring an individual claim in small claims court in DuPage County, Illinois (or another appropriate jurisdiction) instead of arbitration, so long as the claim is within the court’s jurisdiction and proceeds on an individual basis.

15.5 Opt-Out

You may opt out of the arbitration provision by sending a written notice of your decision to opt out to legal@insightdynamics.ai within thirty (30) days of first accepting these Terms. Your opt-out will not affect any other provisions of these Terms.

15.6 Intellectual Property Disputes

Notwithstanding the above, Insight Dynamics LLC may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights, including but not limited to copyrights, trademarks, trade secrets, and patents.

16. Term & Termination

16.1 Term

These Terms remain in effect from the time you first access or use the Service until terminated by you or by us.

16.2 Termination by You

You may stop using the Service at any time. If accounts or subscriptions are enabled, you may delete your account or cancel your subscription according to the instructions provided in the Service.

16.3 Termination by Us

We may suspend or terminate your access to the Service, in whole or in part, at any time and for any reason, including if we believe that you have violated these Terms, created risk or possible legal exposure for us, or for other reasons at our sole discretion.

16.4 Effect of Termination

Upon termination of your access or these Terms:

17. Changes to These Terms

17.1 Right to Modify

We may modify these Terms from time to time. When we do, we will update the “Effective Date” at the top of this document and may provide additional notice where appropriate (such as via email or in-product notification).

17.2 Continued Use

Your continued use of the Service after any modifications to these Terms become effective constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Service.

18. Miscellaneous

18.1 Entire Agreement

These Terms, together with any additional policies or agreements expressly incorporated by reference (including the Privacy Policy and relevant Copyright & IP notices), constitute the entire agreement between you and Insight Dynamics LLC regarding the Service.

18.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

18.3 No Waiver

No waiver of any provision of these Terms shall be deemed a further or continuing waiver of such provision or any other provision, and our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

18.4 Assignment

You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. We may assign or transfer these Terms, in whole or in part, without restriction.

18.5 Relationship of the Parties

Nothing in these Terms shall be construed to create a partnership, joint venture, or agency relationship between you and Insight Dynamics LLC. You and Insight Dynamics LLC are independent contractors.

18.6 Force Majeure

We shall not be liable for any failure to perform our obligations under these Terms if such failure results from any cause beyond our reasonable control, including, but not limited to, acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

19. Notices

We may provide notices to you via email, by posting them in the Service, or by other reasonable means. You agree that all notices we provide electronically satisfy any legal requirement that such notices be in writing.

20. Contact Information

If you have any questions about these Terms or the Service, please contact:

Insight Dynamics LLC
Attn: Legal Department
5611 Rosinweed Lane
Naperville, IL 60564
United States
Email: legal@mind-pilot.ai

By using the MindPilot Service, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.