Terms of Service

Last updated: May 30, 2026

These Terms of Service ("Terms") are a binding agreement between you and Golden Ratio Services LLC ("Golden Ratio Services LLC," "we," "us," or "our"), the operator of Parleywell, governing your use of parleywell.com and our related services (the "Service"). By creating an account, clicking to accept, or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

1. What Parleywell is, and is not

Parleywell is an AI-powered practice and education tool. You rehearse high-stakes conversations against AI-generated personas and receive an AI-generated "debrief" reviewing your practice.

IMPORTANT. PLEASE READ. The personas you talk to and the debrief you receive are generated by artificial intelligence. They may be inaccurate, incomplete, or misleading, and they do not represent the views of any real person. Parleywell is provided for practice and educational purposes only.

Parleywell is NOT therapy, medical advice, mental-health treatment, legal advice, financial advice, or professional advice of any kind, and it is not a substitute for any of them. Using Parleywell does not create a therapist-client, doctor-patient, attorney-client, fiduciary, or any other professional relationship between you and Parleywell or any persona. Do not rely on Parleywell for any decision that calls for a qualified professional. Always consult a licensed professional for your specific situation.

If you are in crisis or thinking about harming yourself or others, do not use Parleywell. Seek immediate help. See the crisis resources at the end of these Terms.

Sensitive content and assumption of risk

You understand that Parleywell scenarios are designed to simulate emotionally difficult, high-stakes conversations and may include subject matter such as grief, illness, conflict, abuse, substance use, and other distressing themes. You choose which scenarios to practice. You acknowledge that engaging with this content may be emotionally challenging, and you voluntarily assume that risk. If practicing a scenario causes you distress, stop and, if needed, seek support using the crisis resources below. Parleywell is a practice tool and does not monitor your wellbeing in real time.

2. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service. By using the Service, you represent and warrant that you meet these requirements. The Service is not directed to, and may not be used by, anyone under 18.

3. Your account

• You are responsible for the information you provide and for keeping your login credentials confidential.
• You are responsible for all activity that occurs under your account.
• Notify us promptly at contact@parleywell.com if you suspect unauthorized use of your account.
• We use our cloud database and authentication provider to manage authentication; your email address is your account identifier.

4. Acceptable use

You agree not to:

• use the Service for any unlawful, harmful, or fraudulent purpose;
• attempt to access, extract, or interfere with other users' data or accounts;
• attempt to circumvent, disable, or game usage limits, credit metering, or other technical controls;
• upload, input, or share the personal information of other people without a lawful basis and their permission;
• reverse engineer, scrape, or build a competing product from the Service, except as permitted by law;
• introduce malware, attempt to breach security, or disrupt the Service or its infrastructure; or
• use the Service to harass, abuse, or harm others, or to generate content that violates applicable law.

We may investigate and take appropriate action, including removing content and suspending or terminating accounts, for violations.

5. Credits, billing, and payments

If and when paid features are enabled, the Service uses a consumption-credit model:

• Credits are a prepaid, limited-use, non-transferable license to access metered features of the Service. They have no cash value and are not a deposit, stored-value instrument, or currency.
• Purchasing credits. You buy credits through a PCI-compliant third-party payment processor. We do not receive or store your full card details.
• Consuming credits. Credits are consumed as you use metered features (for example, per practice turn and per debrief). The amount consumed depends on usage.
• Consumed credits are non-refundable. Once credits are consumed, they are not refundable, except where a refund is required by law.
• Unused credits. Unused credits remain available while your account is active and are not refundable, except where a refund is required by law.
• Auto top-up (if enabled). If you opt in to automatic top-up, you authorize us, through our payment processor, to automatically purchase additional credits using your saved payment method when your balance falls below a threshold you set. You can disable auto top-up at any time in your account settings. We will disclose the trigger threshold and top-up amount before you enable it.
• Pricing and changes. Prices and credit costs are shown in the app and may change prospectively; changes do not affect credits already purchased.
• Taxes. You are responsible for any applicable taxes.

6. Your content and intellectual property

• You own your inputs. As between you and Parleywell, you retain ownership of the text and audio you provide ("User Content").
• License to us. You grant Parleywell a worldwide, non-exclusive, royalty-free license to host, store, process, transcribe, display back to you, and otherwise use your User Content solely to provide, operate, secure, and improve the Service for you. We will not use your User Content to train third-party AI models, and we instruct our AI providers not to train on it (see the no-train commitment in our Privacy Policy).
• Our IP. The Service, including its software, scenario library, persona designs, and branding, is owned by Golden Ratio Services LLC or its licensors and is protected by intellectual-property laws. We grant you a limited, revocable, non-transferable license to use the Service for your personal or internal business practice, subject to these Terms.
• AI output. Subject to these Terms and your compliance with them, you may use the persona responses and debriefs generated for you. AI-generated output may be non-unique and may resemble output provided to others; we make no ownership or exclusivity guarantee as to AI-generated content.

7. Disclaimers and no warranty

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT AI-GENERATED CONTENT WILL BE ACCURATE OR SUITABLE FOR ANY PURPOSE. YOU USE THE SERVICE AT YOUR OWN RISK.

As stated in Section 1, the Service is for practice and education only and is not professional advice of any kind.

8. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, GOLDEN RATIO SERVICES LLC AND ITS OFFICERS, EMPLOYEES, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US$100).

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you. Nothing in these Terms limits liability that cannot be limited by law.

Nothing in this Section limits liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, for gross negligence or willful misconduct, or for any liability that cannot be excluded or limited under applicable law.

9. Indemnification

You agree to indemnify and hold harmless Golden Ratio Services LLC and its officers, employees, and suppliers from any claims, damages, losses, and expenses (including reasonable legal fees) arising out of (a) your User Content, (b) your use of the Service, or (c) your violation of these Terms or of applicable law or the rights of others.

10. Suspension and termination

You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you violate these Terms, if required by law, or to protect the Service or its users. On termination, your license to use the Service ends. Provisions that by their nature should survive (including Sections 6 through 9, 11, and 12) survive termination. We handle your data on termination as described in our Privacy Policy.

11. Governing law and dispute resolution

These Terms are governed by the laws of the State of Wyoming, without regard to conflict-of-laws rules.

You and Golden Ratio Services LLC agree to the exclusive jurisdiction and venue of the state and federal courts located in Wyoming for any dispute arising out of or relating to these Terms or the Service.

12. Changes to these Terms

We may update these Terms from time to time. When we make material changes, we will update the "Last updated" date and, where appropriate, notify you in the app or by email. Your continued use of the Service after an update means you accept the revised Terms.

13. Copyright complaints

We respect intellectual-property rights and respond to clear notices of alleged copyright infringement. If you believe content on the Service infringes your copyright, send a written notice to contact@parleywell.com with the subject line "Copyright complaint."

A valid notice must include: (a) identification of the copyrighted work you claim was infringed; (b) identification of the allegedly infringing material and information reasonably sufficient to let us locate it; (c) your contact information (name, address, telephone number, and email); (d) a statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law; and (e) a statement, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf.

If material you posted was removed in response to a notice, you may submit a counter-notice to contact@parleywell.com that identifies the removed material and its prior location, includes your contact information, includes a statement under penalty of perjury that you have a good-faith belief the material was removed by mistake or misidentification, and consents to the jurisdiction described in these Terms. We may restore the material if the original complainant does not pursue a legal remedy within the period allowed by law.

14. Miscellaneous

These Terms, together with the Privacy Policy, are the entire agreement between you and Golden Ratio Services LLC regarding the Service. If any provision is held unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.

15. Contact

Email: contact@parleywell.com

Crisis resources

If you are in crisis or thinking about harming yourself or others, get help now.

United States

• 988 Suicide & Crisis Lifeline. Call or text 988
• Crisis Text Line. Text HOME to 741741
• National Domestic Violence Hotline. Call 1-800-799-7233 or text START to 88788

If you are in immediate danger, call 911.

Outside the United States

• Find A Helpline. A free, confidential helpline directory covering 130+ countries at findahelpline.com
• Befrienders Worldwide. Emotional-support centres worldwide at befrienders.org

In an emergency, call your local emergency number (for example, 112 in the EU, 999 in the UK).