Terms of Service

1.1 What Is BankruptcyOps?

BankruptcyOps is an AI-powered software platform that assists licensed bankruptcy attorneys with routine administrative tasks, including:

• Means test analysis (§ 707(b) calculations)
• Official Form schedule preparation (Forms A–J)
• 341 Meeting of Creditors preparation and briefing
• Chapter 13 plan construction and feasibility analysis

1.2 Not a Law Firm

CRITICAL: BankruptcyOps is a software tool, not a law firm and not your attorney. We do not provide legal advice, do not represent clients, and do not offer legal services. You remain solely responsible for all legal advice given to your clients and all work product generated.

1.3 Eligibility

By using BankruptcyOps, you represent and warrant that:

• You are a licensed attorney admitted to practice in at least one US jurisdiction
• You are not suspended, disbarred, or otherwise prohibited from practicing law
• You are at least 18 years old
• You will comply with all applicable law and ethical rules in your jurisdiction
• You will use the Service only for lawful purposes and in compliance with these Terms

1.4 Unauthorized Use

You may not use BankruptcyOps if you are not a licensed attorney. Unauthorized use is a violation of these Terms and may result in legal liability.

2.1 Account Creation

When you create an account, you must provide accurate information, including your bar license information. You are responsible for maintaining the confidentiality of your password and account credentials.

2.2 Account Responsibility

You are responsible for all activity on your account, including all cases created and all AI analyses run. If you suspect unauthorized access, you must notify us immediately at hello@bankruptcyops.com.

2.3 Multi-Tenant Security

Your case data is isolated from other users via row-level security policies. Other attorneys cannot access your cases. If you have multiple attorneys in your firm, each attorney has a separate account with access to their own cases only.

2.4 Account Cancellation

You may delete your account at any time. Upon deletion:

• Your account access will be immediately revoked
• Case data will be retained for 180 days, then permanently deleted
• Billing records will be retained for 7 years (tax/accounting compliance)
• You remain responsible for any outstanding charges

4.1 AI Output Is Not Legal Advice

CRITICAL: All output from BankruptcyOps (memos, analyses, recommendations, schedules) is generated by artificial intelligence. AI output is NOT legal advice and must NOT be relied upon as such.

You are responsible for reviewing, verifying, and approving all AI output before use in any client matter. You must:

• Review the AI analysis for accuracy and completeness
• Verify all calculations, figures, and legal conclusions independently
• Check for conflicts with jurisdiction-specific law and procedures
• Exercise independent legal judgment before relying on AI output
• Correct any errors or omissions before filing or using the output with clients

4.2 Your Professional Responsibility

You are the attorney of record. You remain fully responsible for:

• All legal advice provided to your clients
• All work product filed with courts or provided to clients
• Accuracy, completeness, and compliance with law and ethics rules
• Malpractice, ethics violations, or disciplinary issues arising from use of the Service

BankruptcyOps is a tool to assist you; it does not replace your professional judgment or duty of competence.

4.3 AI Limitations

You acknowledge that AI models have inherent limitations:

• AI may make errors, omissions, or provide inaccurate analysis
• AI cannot account for all unique circumstances or local variations
• AI may not be current with recent rule changes or case law
• AI output is probabilistic, not deterministic — results may vary

Always verify AI output independently before use.

4.4 No Guarantee of Results

We do not guarantee that use of BankruptcyOps will result in favorable case outcomes, successful means test analysis, or any particular result. The Service is provided "as-is" to assist your analysis; it cannot guarantee legal conclusions.

6.1 BankruptcyOps Owns the Platform

All intellectual property in BankruptcyOps (including the software, algorithms, UI, documentation, and trademarks) is owned by BankruptcyOps. You are granted a limited, non-exclusive, non-transferable license to use the Service for your professional legal practice only.

6.2 You Own Your Data (With Limitations)

You retain ownership of case data you input. However:

• You grant BankruptcyOps a license to use your data to provide the Service
• BankruptcyOps may use anonymized, aggregated data for analytics and improvement
• Data is transmitted to Anthropic for AI processing (see Privacy Policy, Section 4)

6.3 AI Output Ownership

AI-generated memos, analyses, and outputs are created on your behalf. You may use, modify, and rely upon AI output (subject to Section 4 disclaimers). You do not own the underlying AI models or training data used by Anthropic to generate the output.

6.4 No License to Third Parties

You may not resell, redistribute, or sublicense access to BankruptcyOps. The Service is licensed to your firm for internal use only.

7.1 Subscription Plans

BankruptcyOps offers the following plans:

• Free: 5 cases/month, limited features, free forever
• Growth: $99/month, unlimited cases, all core features
• Pro: $247/month, all features including Ch. 13 plan builder, priority support

7.2 Free Trial

Paid plans include a 14-day free trial (or as advertised). No credit card required. If you do not cancel before the trial ends, you will be charged for the subscription plan you selected.

7.3 Billing & Charges

Paid subscriptions renew automatically each month or year (depending on your selection). You authorize BankruptcyOps to charge your payment method on file. Billing occurs on the same day each month.

7.4 Payment Methods

Payments are processed by Stripe. We accept major credit cards. We do not store your full card number; Stripe handles all payment processing securely.

7.5 Cancellation & Refunds

You may cancel your subscription at any time. Cancellation is effective at the end of your current billing period. No refunds are provided for partial months. If you cancel, you retain access to the Service until the end of your billing period, then access is revoked.

7.6 Price Changes

We may change subscription prices with 30 days' notice via email. Price changes apply only to new or renewal subscriptions. Your current subscription price remains the same until renewal.

7.7 Failed Payments

If payment fails, we will retry the charge up to 3 times over 10 days. If payment remains unsuccessful, your subscription will be suspended. You may resume service by updating your payment method.

7.8 Taxes

You are responsible for all applicable taxes. If you are exempt from sales tax, provide valid documentation. Prices are exclusive of taxes unless otherwise stated.

8.1 Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS-IS" WITHOUT WARRANTIES OF ANY KIND. We disclaim all express and implied warranties, including merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Service will be error-free, uninterrupted, or secure. We do not warrant that AI output will be accurate, complete, or suitable for legal use. You use the Service at your own risk.

8.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE ARE NOT LIABLE FOR:

• Indirect, incidental, special, or consequential damages
• Lost profits, lost revenue, lost data, or business interruption
• Damages arising from malpractice, professional errors, or ethical violations
• Damages arising from use of AI output in client matters
• Damages arising from case loss, adverse outcomes, or disciplinary action
• Damages arising from data breach, unauthorized access, or loss of data

8.3 Cap on Liability

Our total liability for any claim arising out of or relating to the Service shall not exceed the total amount you paid for the Service in the 12 months preceding the claim.

8.4 Your Sole Remedy

If you are dissatisfied with the Service, your sole remedy is to cancel your subscription and cease use.

10.1 Termination by You

You may terminate your account and subscription at any time by emailing hello@bankruptcyops.com or through your account settings. Termination is effective at the end of your billing period.

10.2 Termination by BankruptcyOps

We may suspend or terminate your account immediately if:

• You violate these Terms or the Acceptable Use Policy
• You engage in unauthorized practice of law or unethical conduct
• Your bar license is suspended, revoked, or you are disbarred
• We discover fraudulent or unauthorized account use
• You fail to pay charges after 30 days

10.3 Effect of Termination

Upon termination:

• Your account access is immediately revoked
• You must stop using the Service
• You remain responsible for any outstanding charges
• Case data is retained for 180 days, then permanently deleted
• Clauses 4 (Disclaimers), 6 (IP), 8 (Liability), 9 (Indemnification), and 13 (Governing Law) survive termination

12.1 Informal Resolution

If you have a dispute with BankruptcyOps, email hello@bankruptcyops.com with a detailed description. We will attempt to resolve the dispute within 30 days.

12.2 Governing Law & Jurisdiction

These Terms are governed by the laws of the State of Georgia, without regard to conflict of laws principles. Any legal action or proceeding relating to the Service shall be brought exclusively in the state or federal courts located in Georgia.

12.3 Arbitration Waiver

You and BankruptcyOps agree that any dispute shall be resolved in court, not arbitration. You waive any right to arbitration under federal or state law.

13.1 Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and BankruptcyOps. All prior negotiations, understandings, and agreements are superseded.

13.2 Severability

If any provision of these Terms is invalid or unenforceable, the remaining provisions remain in effect.

13.3 Waiver

Failure to enforce any provision does not constitute a waiver of that provision or any other provision.

13.4 No Assignment

You may not assign these Terms or your account to any third party without written consent from BankruptcyOps.

13.5 Force Majeure

We are not liable for failure or delay in performing obligations due to causes beyond our reasonable control, including natural disasters, war, acts of government, or pandemic.

13.6 Modifications to These Terms

We may update these Terms at any time. Material changes will be notified via email or prominent notice on the Service. Your continued use of BankruptcyOps after such changes constitutes acceptance of the updated Terms.

13.7 Contact for Questions

If you have questions about these Terms, please contact hello@bankruptcyops.com.