Terms of Service

These Terms of Service (the “Terms”) are a binding agreement between you and Pensy Group LLC, an Oklahoma limited liability company located in Oklahoma City, Oklahoma (“Pensy Group,” “we,” “us,” or “our”). They govern your access to and use of LoveUSS, including our website, web application, mobile applications, and related services (together, the “Service”).

Please read these Terms carefully. By accessing or using the Service, creating an account, or clicking to accept these Terms, you agree to be bound by them and by our Privacy Policy, which is incorporated here by reference. If you do not agree, do not use the Service.

1. What LoveUSS Is — and Is Not

LoveUSS is an educational and self-improvement tool. You describe a relationship and a situation, and three artificial-intelligence “Perspectives” (Understanding, Support, and Security) offer guidance drawn from the LoveUSS Framework, oriented toward concrete actions you can take.

LoveUSS is not therapy, counseling, or professional advice of any kind. It does not provide medical, mental-health, psychological, legal, financial, or other professional services, and using it does not create a therapist-client, physician-patient, attorney-client, or other professional relationship. The Service is not a substitute for the advice of a qualified professional. Never disregard professional advice, or delay seeking it, because of something you read on LoveUSS.

The Service’s responses are generated by artificial intelligence. AI-generated content can be inaccurate, incomplete, or inappropriate for your situation. You are solely responsible for evaluating the guidance and for any decisions or actions you take. We do not guarantee any particular outcome in any relationship.

2. Not for Emergencies or Crises

The Service is not designed for emergencies and is not monitored by humans in real time. If you or someone else is in danger, experiencing a medical or mental-health emergency, or thinking about self-harm, do not use LoveUSS. Call your local emergency number (911 in the United States), or contact the 988 Suicide & Crisis Lifeline (call or text 988 in the U.S.), the Samaritans (116 123 in the U.K. and Ireland), or a service listed at findahelpline.com. LoveUSS may display these resources automatically, but it is not a crisis service and cannot summon help.

3. Eligibility and Age Requirements

You must be at least 18 years old to use the Service. LoveUSS is made for adults. It is not directed to children or teenagers, and it is not designed for them. If you are under 18, do not use LoveUSS and do not create an account.

We do not knowingly permit anyone under 18 to use the Service or knowingly collect their information. If we learn that an account belongs to someone under 18, we may close it and delete the information associated with it. If you believe a minor is using the Service, contact us at Contact@pensygroup.com.

By using the Service, you represent that you are 18 or older and that the information you provide is accurate.

4. Accounts

You can use the core experience without an account. Creating an account lets you save your history and, on a paid plan, unlock additional features. You agree to provide accurate information, to keep your password secure, and to be responsible for all activity under your account. Notify us promptly at Contact@pensygroup.com if you suspect unauthorized use. You may delete your account at any time from within the Service.

5. Subscriptions, Billing, and Cancellation

Certain features are offered on a paid subscription. Prices are shown in the Service before you subscribe. How billing works depends on where you subscribe: on the website, payments are processed by our third-party payment provider, Stripe; in the iOS app, the subscription is purchased through Apple’s App Store In-App Purchase and billed by Apple to your Apple Account. In both cases we do not receive or store your full payment-card details.

Auto-renewal (web). Subscriptions purchased on the website renew automatically at the end of each billing period at the then-current price until you cancel. By subscribing on the website, you authorize us and Stripe to charge your payment method on a recurring basis.
Cancellation (web). You may cancel a website subscription at any time through the billing management tools in the Service (which open the Stripe billing portal). Cancellation stops future renewals; your paid access continues until the end of the current billing period.
Purchases in the iOS app. Subscriptions purchased in the iOS app are billed by Apple, not by us. Payment is charged to your Apple Account at confirmation of purchase. The subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period, and your Apple Account is charged for renewal within 24 hours before the current period ends. You manage and cancel App Store subscriptions in your Apple Account’s subscription settings — not through our billing tools — and deleting the app does not cancel the subscription.
Refunds. For subscriptions purchased on the website: except where required by law, payments are non-refundable and partial periods are not prorated. For purchases made in the iOS app, refunds are requested from and decided by Apple under Apple’s own policies; we cannot issue refunds for App Store purchases.
Price changes. We may change subscription prices; changes apply to billing periods after we give you reasonable notice.
Advertising. The Inner Circle is ad-free. We may show advertising to visitors and to free accounts. We do not sell your information, and we never use what you write about your relationships to target advertising — see our Privacy Policy.

6. Acceptable Use

You agree not to use the Service to:

break the law or infringe anyone’s rights;
harm, manipulate, coerce, stalk, surveil, harass, or deceive another person, or to plan or encourage any of these;
contact someone in violation of their stated boundaries or a legal order, or to abuse or endanger anyone, including a child;
submit another person’s private, confidential, or sensitive information without a lawful basis to do so;
reverse engineer, scrape, resell, or build a competing product from the Service; probe or bypass its security; or use it to develop or train a machine-learning model;
upload malware, overload or disrupt the Service, or attempt to gain unauthorized access to any account or system.

You are responsible for your conduct and for the content you submit. We may suspend or terminate access for conduct we reasonably believe violates these Terms or harms others or the Service.

7. Your Content

“Your Content” means the information you submit — the people you describe, the situations and messages you write, and related inputs. You keep ownership of Your Content. You grant Pensy Group a worldwide, non-exclusive, royalty-free license to host, store, process, transmit, and display Your Content solely to operate, secure, and improve the Service and to provide it to you, including sending it to our service providers (such as the AI provider) as needed to generate responses. You represent that you have the rights necessary to submit Your Content and that doing so does not violate anyone’s rights or any law.

Our Privacy Policy explains how we handle Your Content, including your ability to delete it.

8. Sharing With Your Corner; Shareable Cards

Your corner. The Service lets you invite someone you trust (a “witness”) and show them a specific read — the situation you wrote, the Perspectives’ answers, and the alias and relation of the person it is about. Sharing is per-read and always your explicit choice. You are responsible for whom you invite and for what you choose to show them; invite only people you trust with what the read contains. You can revoke a shared read or remove a witness at any time, which ends their access. A witness’s responses are their own content, subject to Section 6 (Acceptable Use) and Section 7 (Your Content) the same as yours. A witness can stop witnessing at any time from within the Service, which ends the connection and their access. We may remove shared content or connections that violate these Terms.

Shareable cards. Where the Service offers image cards containing a perspective’s answer, a card includes only what is visible on the card; it does not include the situation you described or your identity. If you choose to share a card, you are responsible for where and with whom you share it. You may not alter a card to misrepresent LoveUSS or Pensy Group.

9. Intellectual Property

The Service, including the LoveUSS Framework text, the LoveUSS name and branding, the software, and the design, is owned by Pensy Group or its licensors and is protected by intellectual-property laws. Subject to these Terms, we grant you a limited, personal, non-transferable, non-exclusive, revocable license to use the Service for your own personal, non-commercial use. All rights not expressly granted are reserved. You may not use our names, logos, or branding without our prior written permission, except to share a card as the Service allows.

10. Third-Party Services

The Service relies on third parties to function, including the language-model providers behind Pensy AI, our AI infrastructure (currently OpenAI), payment processors (Stripe for website subscriptions; Apple’s App Store for purchases made in the iOS app), email provider (Resend), push-notification and device speech-recognition services, and hosting infrastructure. Your use of features that depend on these providers is also subject to their terms. We are not responsible for third-party services, but we choose them with care and describe their roles in our Privacy Policy.

11. Disclaimers

THE SERVICE AND ALL CONTENT AND GUIDANCE ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, PENSY GROUP DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED 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 ANY GUIDANCE WILL BE ACCURATE, RELIABLE, OR SUITABLE FOR YOUR CIRCUMSTANCES.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, PENSY GROUP AND ITS OWNERS, MEMBERS, OFFICERS, EMPLOYEES, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, GOODWILL, OR RELATIONSHIPS, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY. 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 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) FIFTY U.S. DOLLARS ($50). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

13. Indemnification

You agree to indemnify and hold harmless Pensy Group and its owners, members, officers, and employees from and against any claims, damages, liabilities, and expenses (including reasonable attorneys’ fees) arising out of your use of the Service, Your Content, or your violation of these Terms or of any law or the rights of a third party.

14. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate your access at any time if we reasonably believe you have violated these Terms or to protect the Service or others. Sections that by their nature should survive termination (including Sections 7 and 9 through 16) will survive.

15. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Oklahoma, without regard to its conflict-of-laws rules. Before filing a claim, you agree to first contact us at Contact@pensygroup.com and try in good faith to resolve the dispute informally for at least 30 days.

Any dispute that is not resolved informally will be resolved by binding individual arbitration administered under the rules of a recognized arbitration provider, seated in Oklahoma County, Oklahoma, rather than in court, except that either party may bring an individual claim in small-claims court, and either party may seek injunctive relief in court to protect intellectual property. You and Pensy Group agree that each may bring claims only in an individual capacity and not as a plaintiff or class member in any class or representative proceeding. If this class-action waiver is found unenforceable, the rest of this Section still applies, and the dispute will proceed in the state or federal courts located in Oklahoma County, Oklahoma, to whose jurisdiction you consent. Where arbitration or a class waiver is not permitted by applicable law, this Section applies only to the extent it is permitted.

16. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will update the effective date above and, where appropriate, notify you within the Service or by email. Your continued use of the Service after changes take effect means you accept the updated Terms.

17. Miscellaneous

These Terms and the Privacy Policy are the entire agreement between you and Pensy Group regarding the Service. If any provision is found 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.

18. Contact

Pensy Group LLC
Oklahoma City, Oklahoma, United States
Contact@pensygroup.com