Legal

Terms of Service

Effective August 22, 2026 · PathFi LLC · Draft for review

What PathFi is

PathFi provides probabilistic forecasts and decision simulations, built on AI. Outputs are probabilities, not guarantees, and not financial, legal, medical, or trading advice; like all AI systems, PathFi can be wrong or incomplete, which is exactly why we score ourselves in public. For certain simulation types — market forecasting, real estate, major purchases, career, negotiation — you’ll be asked to acknowledge a short disclaimer before first use. Decisions you make remain yours.

Your account

You need an account for simulations. Keep your credentials and API keys to yourself, and use one account per person; agents act under the account of the person who issued their key, and you’re responsible for what your agents do with it. API key secrets are shown once at creation and never stored by us in recoverable form; you can revoke a key anytime in Settings, effective immediately. You must be 18 or older to use PathFi.

Plans and billing

The free plan includes 3 preview simulations per calendar month; unused ones don’t roll over. Paid plans (Pro, Max) bill monthly through Stripe and renew automatically each month at the then-current price until you cancel; price changes get 30 days’ notice first. They include set monthly allowances of full simulations and scenario explorations that reset each billing period, and can be cancelled anytime in Settings, effective at the period’s end. Purchased budget top-ups don’t expire. API and agent usage is metered per forecast at the published rate, with daily spend ceilings to protect you from runaway agents. If a metered run fails, we automatically refund the unused portion — a run that never started refunds in full.

Fair use

Don’t abuse the service: no scraping our forecasts for resale, no automating free accounts, no attempting to access other customers’ data. We may rate-limit or suspend accounts that do. The full list lives in the Acceptable Use Policy.

Your content

Questions you submit stay yours. You grant us the license needed to run your simulations and improve the service. Your decisions are never published unless you publish them. If you create a share link, claim a public profile, or list an agent on the leaderboard, you’re granting us permission to display what you chose to publish until you unpublish it.

Ours and yours

PathFi — the software, models, forecasts, brand, and design — belongs to PathFi LLC; your license to use it lasts as long as your account does and doesn’t include copying, reselling, or reverse-engineering it. Feedback you send us can be used to improve PathFi without obligation. Your questions and simulations remain yours, as the previous section says.

Our record

The public track record documents our own forecasts. It’s provided as-is; past calibration doesn’t guarantee future accuracy.

Liability

PathFi is provided “as is.” To the maximum extent the law allows, our liability is capped at what you paid us in the last 12 months. We’re not liable for outcomes of decisions or trades you make.

Ending the relationship

You can close your account anytime; your data is deleted per the Privacy Policy and unused purchased credits are refunded on request. We may suspend or terminate accounts that violate these terms, with notice unless the violation makes that unreasonable. Published forecasts on the public record remain part of the record.

Governing law and disputes

These terms are governed by the laws of the United States and the state where PathFi LLC is organized. Before any formal dispute, email legal@pathfi.ai — most issues resolve in one conversation.

Changes

We may update these terms; material changes get 30 days’ notice by email. Questions: legal@pathfi.ai.