Legal
Terms of Service
Effective date: April 7, 2026 · Last updated: April 7, 2026
Attorney review recommended. These terms reflect Opal's actual product and business model. Before accepting paying customers, we recommend a one-hour review by a startup attorney, particularly the Limitation of Liability, Healthcare Data, and Indemnification sections.
Entity notice: Replace [OPAL ENTITY NAME] throughout with your full Delaware LLC name once formed.
1. Agreement to Terms
These Terms of Service ("Terms") govern your access to and use of the Opal platform, including any web applications, APIs, integrations, and related services (collectively, the "Service") operated by Opal ("we," "us," or "our").
By creating an account, starting a free trial, or using any part of the Service, you agree to be bound by these Terms. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms, and references to "you" include that organization.
If you do not agree to these Terms, do not use the Service.
2. Description of Service
Opal is an AI-powered, multi-tenant business management platform that aggregates data from connected tools and services into a unified dashboard. The Service includes features such as:
- AI-generated dashboards, KPI tracking, and business insights ("Opal Hub")
- Daily AI-generated business briefings ("Daily Pulse")
- Team and user management ("Opal Crew")
- Third-party integration connections ("Opal Connect")
- Business reporting and analytics ("Opal Canvas")
- White-label and multi-tenant portfolio management
We reserve the right to modify, suspend, or discontinue any feature of the Service at any time with reasonable notice.
3. Accounts & Registration
3.1 Account Creation
You must create an account to use the Service. You agree to provide accurate, current, and complete information during registration and to keep that information updated. You are responsible for all activity that occurs under your account.
3.2 Account Security
You are responsible for maintaining the confidentiality of your login credentials. You agree to notify us immediately at info@myopal.io if you suspect unauthorized access to your account. We offer multi-factor authentication and strongly encourage you to enable it.
3.3 Business Accounts
The Service supports multiple business entities under a single account. Each business entity operates in an isolated data environment. You are responsible for the accuracy of the business information you provide and for ensuring that users you invite to your workspace comply with these Terms.
4. Subscriptions & Billing
4.1 Subscription Plans
| Plan | Price | Description |
|---|
| Operator | $79/month | For individual operators and small teams managing one or more businesses |
| Studio | $249/month | For agencies, portfolio managers, and multi-location operators |
| Enterprise | Custom | White-label, custom integrations, and dedicated support |
All prices are in USD. Plans and pricing are subject to change with 30 days' notice to active subscribers.
4.2 Billing & Auto-Renewal
Subscriptions are billed monthly or annually in advance. By providing a payment method, you authorize us to charge you automatically at the start of each billing period. Payments are processed by Stripe, Inc. Your payment information is stored and processed by Stripe and is never stored on Opal's servers.
4.3 Refunds
We do not offer refunds for partial billing periods. If you cancel mid-period, you will retain access through the end of your current billing cycle. Exceptions may be made at our sole discretion for service outages or billing errors — contact us at info@myopal.io.
4.4 Failed Payments
If a payment fails, we will notify you by email immediately and attempt to retry your card on file on days 3, 5, and 7 following the initial failure. You will receive an email notification before each retry attempt and a final notice if the balance remains unresolved after the seventh day.
If payment is not successfully collected within 7 days of the original failure date, your account access will be automatically suspended. During suspension:
- You will not be able to log in or access any part of the Service
- Your data will be fully preserved and will not be deleted
- Connected integrations will stop syncing
- You may restore access at any time by updating your payment method and clearing the outstanding balance through the billing portal link provided in your suspension email
If the outstanding balance is not resolved within 30 days of the original suspension date, your account will be permanently cancelled and your data will be deleted in accordance with Section 7.3.
We reserve the right to suspend accounts immediately — without the 7-day grace period — in cases of suspected fraud or chargebacks.
4.5 Taxes
You are responsible for all applicable taxes. Where required by law, we will collect and remit sales tax or VAT.
5. Free Trial
5.1 Trial Terms
We offer a 14-day free trial for new accounts. No credit card is required to start your trial. You will not be charged during the trial period. Each person and organization is eligible for one free trial. We reserve the right to modify or discontinue the free trial offer at any time.
5.2 Monthly Billing After Trial
If you add a payment method and select a monthly billing plan, your card will be automatically charged on day 15 at the applicable monthly rate. Your subscription will renew automatically on the same date each month until cancelled. If you have not added a payment method by the end of your trial, your access will pause until you choose a plan.
5.3 Annual Billing After Trial
If you add a payment method and select an annual billing plan, your card will be charged for the full year's subscription on day 15 of your trial. Annual subscriptions renew automatically on your anniversary date each year at the then-current annual rate. You will receive a renewal reminder email at least 14 days before your annual renewal date.
5.4 Cancellation After Annual Billing
If you cancel an annual subscription after day 15 but before your next renewal date, your access to the Service will continue until the end of your current annual subscription period. No partial refunds are issued for unused months of an annual plan.
5.5 Cancelling During Trial
You may cancel at any time before day 15 to avoid being charged. If you haven't added a payment method, you won't be charged at all. To cancel, visit Account Settings → Billing → Cancel Subscription, or contact us at info@myopal.io before the trial ends. Cancellations requested by email must be received before midnight Pacific Time on day 14.
6. AI-Powered Features
6.1 How AI Is Used
The Service uses artificial intelligence to generate dashboard configurations, business insights, Daily Pulse briefings, and integration recommendations. AI features are powered by third-party models, including Anthropic's Claude API. By using AI features, you acknowledge that:
- AI-generated content is provided for informational purposes only and does not constitute financial, legal, medical, or professional advice.
- AI outputs may contain errors, omissions, or inaccuracies. You are responsible for verifying any AI-generated insights before acting on them.
- Your business data may be transmitted to Anthropic's API to generate AI responses, subject to Anthropic's data processing terms.
6.2 AI Data Processing
We do not use your business data to train AI models. Data sent to Anthropic's API is subject to Anthropic's usage policies. We recommend reviewing Anthropic's Privacy Policy for details on how they handle API data.
6.3 No Professional Advice
Nothing generated by Opal's AI features constitutes financial advice, investment advice, tax advice, legal advice, or any other form of professional advice. Always consult a qualified professional before making business decisions based on AI-generated content.
7. Your Data
7.1 Ownership
You retain all rights, title, and interest in and to the data you submit to the Service ("Customer Data"). We do not claim ownership of your Customer Data.
7.2 License to Operate the Service
By using the Service, you grant us a limited, non-exclusive, worldwide license to access, store, process, and transmit your Customer Data solely to the extent necessary to operate and provide the Service to you.
7.3 Cancellation & Data Deletion
How to cancel: You may cancel your subscription at any time by visiting Account Settings → Billing → Cancel Subscription, or by emailing info@myopal.io. You will receive a confirmation email when your cancellation is processed.
Access after cancellation: Your access to the Service will remain active through the end of your current paid billing period. You will not be charged again after cancellation.
Important — Opal is not a system of record: Opal aggregates and analyzes data ingested from third-party sources you connect. We do not serve as your primary data source. Your underlying data lives in the tools you already own. We strongly recommend ensuring your source systems are up to date before cancelling.
Data deletion: When your billing period ends, your Opal account and all associated data will be queued for permanent deletion and purged from our systems within 30 days. This deletion is permanent and irreversible. If you return to Opal after deletion, you will need to create a new account and reconnect your integrations.
What is deleted: All data associated with your account including dashboard configurations, AI-generated insights, integration credentials, synced metrics, conversation history, and all team and business records.
What is retained: Billing records and transaction history are retained for 7 years as required by law. Anonymized aggregate usage statistics may be retained indefinitely.
8. Healthcare Data & HIPAA
Important notice for healthcare and wellness operators: Opal is a general-purpose business management platform. We are not currently a HIPAA-covered entity, nor do we act as a Business Associate under HIPAA by default.
If you operate in a healthcare, medical, dental, wellness, or behavioral health context and intend to use the Service to manage, store, or process Protected Health Information (PHI) as defined under HIPAA, you must contact us at info@myopal.io before doing so. We will work with you to determine whether a Business Associate Agreement (BAA) is appropriate.
Do not upload or transmit PHI to the Service without a signed BAA in place.
9. Multi-Tenant Data Isolation
The Service is a multi-tenant platform. We implement row-level security and strict tenant isolation controls to ensure your data is logically separated from data belonging to other customers. No customer can access another customer's data through normal use of the Service.
10. Third-Party Integrations
The Service allows you to connect third-party applications and data sources. By connecting an integration, you authorize us to access data from that third-party service on your behalf. You are responsible for ensuring you have the right to connect and share data from any third-party service.
We are not responsible for the availability, accuracy, or conduct of any third-party service. Third-party services have their own terms of service and privacy policies, which apply independently of these Terms.
11. White-Label & Reseller Use
If you are using the Service under an Enterprise or white-label arrangement:
- You may rebrand the Service interface with your own logo, colors, and product name for your end clients.
- You are responsible for ensuring your end clients comply with these Terms.
- You may not represent the Service as your own proprietary software or remove any legal notices required by us.
- You remain responsible for all billing, data handling, and compliance obligations associated with your end client accounts.
White-label arrangements require a signed Enterprise agreement. Contact info@myopal.io to discuss.
12. Acceptable Use
You agree not to use the Service to:
- Violate any applicable law, regulation, or third-party rights
- Upload or transmit malicious code, viruses, or harmful content
- Attempt to gain unauthorized access to any part of the Service or any other customer's data
- Reverse engineer, decompile, or attempt to extract the source code of the Service
- Use the Service to build a competing product
- Scrape or systematically extract data from the Service without written permission
- Impersonate any person or organization, or misrepresent your affiliation
13. Intellectual Property
The Service, including its design, features, AI systems, code, and branding, is the exclusive property of Opal and its licensors. These Terms do not grant you any rights to our intellectual property except as expressly stated.
If you provide feedback or suggestions about the Service, you grant us a perpetual, irrevocable, royalty-free license to use that feedback for any purpose without obligation to you.
14. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OPAL AND ITS OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, OR LOSS OF GOODWILL, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).
15. Indemnification
You agree to indemnify, defend, and hold harmless Opal and its officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) your Customer Data; (c) your violation of these Terms; or (d) your violation of any third-party rights.
16. Termination
16.1 By You
You may cancel your subscription at any time through Account Settings. Cancellation takes effect at the end of your current billing period.
16.2 By Us
We may suspend or terminate your account at any time for violation of these Terms, non-payment, or conduct we determine to be harmful to the Service or other users. We will provide reasonable notice where practicable except in cases of serious violations.
16.3 Effect of Termination
Upon termination, your right to access the Service ceases immediately. Your data will be retained for up to 30 days following your final billing period end date, after which it will be permanently deleted. Sections 7.1, 9, 13, 14, 15, and 18 survive termination.
17. Changes to These Terms
We may update these Terms from time to time. When we make material changes, we will notify you by email at least 14 days before the changes take effect. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.
18. Governing Law
These Terms are governed by the laws of the State of Delaware, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved exclusively in the state or federal courts located in the State of Delaware, and you consent to personal jurisdiction in those courts.
Notwithstanding the foregoing, if you are a California resident, you may also have rights under California law that we are required to honor.
For disputes under $10,000, either party may elect binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. Class action waivers apply to the fullest extent permitted by law.
[OPAL ENTITY NAME], a Delaware limited liability company
Email: info@myopal.io
Website: www.myopal.io
