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Story Plan — Terms of Service & User Agreement

Last updated: August 5, 2026.

Product: Financial Story Plan™ ("Story Plan," the "Service") · Provider: NextGen Financial LLC ("Company," "we," "us")

By creating an account, subscribing to, or using Story Plan, you ("you," the "User") agree to these Terms of Service and User Agreement (this "Agreement"). If you do not agree, do not use the Service.

1. Who may use the Service

You must be at least 18 and able to form a binding contract. If you use the Service for a firm or entity, you represent that you are authorized to bind it, and "you" includes that entity. Story Plan is intended primarily for financial professionals; where a non-professional ("retail") user accesses it, the acknowledgments in Section 5 apply with equal force.

2. What the Service is — and is not

Story Plan is a software tool that lets you enter financial data and assumptions, run deterministic calculations and projections, build hypothetical "what-if" scenarios, and generate presentations and documents from the information you supply.

Story Plan is not, and does not act as: a registered investment adviser, a broker-dealer, a bank, an accounting or tax-preparation firm, a law firm, or a fiduciary to you or any person. Nothing the Service produces is an offer, solicitation, or recommendation to buy, sell, or hold any security or to adopt any investment, tax, insurance, or financial strategy.

3. Beta (pre-release) service

Story Plan is currently offered as a free beta (pre-release) version for evaluation. By participating in the beta, you acknowledge and agree that: (a) the Service is provided "as is" and "as available" (see Section 8), is still in development, and may contain bugs, errors, or incomplete features; (b) features, availability, and the data you enter may change, and plans or data you enter may be modified, reset, or deleted during the beta — you should keep your own copies of anything important; (c) we make no guarantee of availability, uptime, or support; and (d) the beta period and free access may be changed, suspended, or ended at any time, with or without notice (see Section 11), and we may begin charging for the Service on a going-forward basis as described at signup. Your continued use of the Service during the beta is your acceptance of these terms.

4. No investment, tax, legal, or financial advice

The Service does not provide investment, tax, legal, accounting, insurance, or financial advice, and no output of the Service is advice or a recommendation. The calculations, projections, charts, narratives, and figures it generates are illustrations based on the inputs and assumptions you choose. They are:

  • hypothetical — they do not reflect any actual account, transaction, or result;
  • not a guarantee or prediction of any future value, return, tax outcome, or result;
  • dependent on assumptions (rates of return, inflation, tax rules, life expectancy, and others) that are simplifications and will not match real-world outcomes;
  • based on tax figures and rules that are estimates and that change over time.

You should not make, or advise anyone else to make, any financial decision solely on the basis of the Service's output. Investing involves risk, including possible loss of principal. Consult qualified, licensed professionals before acting.

5. Your responsibilities — you author the plans

You acknowledge and agree that:

  1. You author the plans and scenarios. You select the data, assumptions, rates, and options and decide which scenarios to build, and you are solely responsible for those choices and for the accuracy and completeness of everything you enter.
  2. You review the output. You will independently verify any figure, projection, or statement before relying on it or presenting it to any client or third party. The Service may contain errors, and its models are deliberate simplifications.
  3. Professional judgment remains yours. If you are a financial professional, the Service supports — and never replaces — your own analysis, suitability determinations, and professional and regulatory obligations. You are solely responsible for any advice you give.
  4. You are responsible for your clients and your compliance. You are responsible for your relationships with, and disclosures to, the clients whose information you enter, and for complying with all laws applicable to your business.
  5. You have rights to the data you enter. You represent that you have the necessary rights and consents to input any personal or client information, and you will handle it in compliance with applicable law.

6. Fees, billing, and auto-renewal

  1. Fees. Subscription fees, the billing period, and any free or trial period are as displayed when you subscribe. The price shown when you subscribe applies to your subscription; we may change prices prospectively for future renewals or new subscriptions.
  2. Authorization to charge. You authorize us and our payment processor to charge your payment method the applicable fee at signup and, unless you cancel, automatically at the start of each renewal period.
  3. Automatic renewal. Subscriptions renew automatically until you cancel. You may turn off auto-renewal or cancel at any time in your account.
  4. Failed payments. If a charge fails, we may retry it and may limit or suspend access after a grace period, as described in the app.
  5. Taxes. Fees shown are exclusive of taxes. Where we are required to collect sales, use, VAT, GST, or similar transaction taxes, we will add them to your charge and you agree to pay them in addition to the fees. You are responsible for all such taxes except taxes based on our net income.
  6. Payment processing. Payments are processed by a third-party processor (Stripe); we do not store full payment-card numbers.

7. Cancellation and refunds

  1. Cancel any time; access continues through the paid period. Cancellation stops future renewals; your subscription remains active through the end of the period you have already paid for, and then does not renew.
  2. No refunds for partial periods. Except where required by applicable law, fees already paid are non-refundable, and we do not provide prorated or partial-period refunds. Any refund or credit we choose to give in an individual case does not obligate us to do so again.
  3. Free trials convert to a paid subscription (or end) as described at signup; cancel before the trial ends to avoid a charge, where applicable.

8. Disclaimer of warranties

THE SERVICE, INCLUDING ALL CALCULATIONS, PROJECTIONS, AND CONTENT, IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, 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 OUTPUT IS ACCURATE, COMPLETE, CURRENT, OR SUITABLE FOR ANY PURPOSE. Some jurisdictions do not allow certain exclusions, so some of the above may not apply to you.

9. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (1) THE COMPANY AND ITS OWNERS, OFFICERS, EMPLOYEES, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR INVESTMENT, TAX, OR FINANCIAL LOSSES, ARISING OUT OF OR RELATING TO THE SERVICE OR THIS AGREEMENT, EVEN IF ADVISED OF THE POSSIBILITY. (2) THE COMPANY'S TOTAL AGGREGATE LIABILITY WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) USD $100. These limits apply even if a remedy fails of its essential purpose.

10. Indemnification

You will defend, indemnify, and hold harmless the Company and its owners, officers, employees, and suppliers from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Service; (b) any data or content you enter; (c) any advice or service you provide to your clients or any third party; and (d) your breach of this Agreement or violation of any law or third-party right.

11. Suspension and termination

We may suspend or terminate access, with or without notice, for non-payment, for breach, or as reasonably necessary to protect the Service or others. You may stop using the Service at any time. Sections that by their nature should survive termination (including 3, 4, 5, 8, 9, 10) survive.

12. Intellectual property

The Service and all software, designs, and content we provide (excluding data you enter) are owned by the Company and its licensors. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service during your subscription for its intended purpose. You retain your rights in the data you enter and grant us the limited rights needed to host and process it to provide the Service. "Financial Story Plan™" and "Story Plan" are marks of the Company.

13. Privacy

Our handling of personal information is described in our Privacy Policy. You are responsible for the client and personal information you enter and for having the rights and consents to do so.

14. Changes

We may modify the Service and update this Agreement. If a change is material, we will provide notice and, where required, ask you to re-accept. Continued use after an update takes effect constitutes acceptance.

15. Governing law and disputes

This Agreement is governed by the laws of the State of Utah, without regard to conflict-of-laws rules. You and the Company agree that the state and federal courts located in the State of Utah will have exclusive jurisdiction over any dispute arising out of or relating to this Agreement or the Service, and each party consents to the personal jurisdiction and venue of those courts.

16. Miscellaneous

This Agreement is the entire agreement regarding the Service and supersedes prior agreements on that subject. If any provision is unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign this Agreement without our consent; we may assign it in connection with a merger, acquisition, or sale of assets.

Version 2 · effective 2026-08-06.