Terms of Service

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 Technologies, LLC, a Delaware limited liability company ("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

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. A valid 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 selected a monthly billing plan, your credit 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.

5.3 Annual Billing After Trial

If you selected an annual billing plan, your credit 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. 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 Features & Output Disclaimer

6.1 How AI Is Used

The Service uses artificial intelligence to generate dashboard configurations, business insights, Daily Pulse briefings, integration recommendations, and chat responses (collectively, "AI Output"). AI features are powered by third-party large language models, including Anthropic's Claude API. By using AI features, you acknowledge and agree to the terms in this Section 6.

6.2 AI Output May Be Inaccurate or Fabricated ("Hallucinations")

You acknowledge that AI Output is provided on an "AS IS" and "AS AVAILABLE" basis without warranty of any kind, express or implied. Opal does not represent or warrant that AI Output will be accurate, complete, current, reliable, secure, or fit for any particular purpose.

6.3 Your Responsibility to Verify

You are solely responsible for independently reviewing and verifying any AI Output before relying on or acting upon it, particularly for decisions involving:

• Financial transactions, accounting entries, tax filings, or investment activity
• Legal compliance, contractual obligations, or regulatory matters
• Personnel decisions including hiring, termination, performance, or compensation
• Healthcare, medical decisions, insurance, or matters of safety
• Material business strategy, mergers, acquisitions, divestitures, or capital allocation
• Public statements, customer communications, or representations to third parties
• Anything subject to law, regulation, or fiduciary duty

6.4 No Professional Advice

Nothing generated by Opal's AI features constitutes financial advice, investment advice, accounting advice, tax advice, legal advice, medical advice, or any other form of licensed professional advice. AI Output is provided for informational purposes only. You must consult appropriately qualified and licensed professionals before making decisions in these areas.

6.5 No Liability for AI Output

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE OPAL PARTIES (AS DEFINED IN SECTION 15.1) SHALL NOT BE LIABLE FOR ANY LOSS, DAMAGE, INJURY, OR HARM ARISING FROM OR RELATED TO (A) AI HALLUCINATIONS, (B) YOUR RELIANCE ON AI OUTPUT, OR (C) ANY DECISION YOU MAKE OR FAIL TO MAKE BASED ON AI OUTPUT, INCLUDING WITHOUT LIMITATION LOST PROFITS, LOST REVENUE, BUSINESS INTERRUPTION, FINANCIAL LOSSES, REGULATORY PENALTIES, TAX LIABILITIES, LITIGATION COSTS, OR REPUTATIONAL HARM.

6.6 AI Data Processing

We do not use your Customer Data to train AI models, and our commercial agreement with Anthropic prohibits Anthropic from using your data to train their 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.

6.7 Acknowledgment of AI Risks

Use of AI features constitutes your acknowledgment that you understand the limitations of generative AI, accept the risk of AI Hallucinations, and waive any claim against the Opal Parties arising from AI Output to the maximum extent permitted by law.

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. See myopal.io/data-deletion for full details.

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

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
• Submit AI prompts designed to bypass safety measures or extract confidential system instructions

13. Intellectual Property

The Service, including its design, features, AI systems, code, and branding, is the exclusive property of Opal Technologies, LLC 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. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE, INCLUDING ALL AI FEATURES, INTEGRATIONS, DATA, AND OUTPUTS, IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS, IMPLIED, OR STATUTORY.

THE OPAL PARTIES EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING WITHOUT LIMITATION: (A) THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT; (B) ANY WARRANTY ARISING FROM COURSE OF DEALING, USAGE, OR TRADE PRACTICE; AND (C) ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, ACCURATE, COMPLETE, CURRENT, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM OPAL, ITS REPRESENTATIVES, OR THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, THE OPAL PARTIES' WARRANTIES SHALL BE LIMITED TO THE MINIMUM PERMITTED BY LAW.

15. Limitation of Liability

15.1 Definition of Opal Parties

For purposes of these Terms, "Opal Parties" means Opal Technologies, LLC and its members, managers, officers, directors, employees, contractors, agents, subsidiaries, parents, affiliates, licensors, partners, service providers, and respective successors and assigns.

15.2 Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE OPAL PARTIES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF BUSINESS OPPORTUNITIES, LOSS OF DATA, BUSINESS INTERRUPTION, REGULATORY PENALTIES, TAX LIABILITIES, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATED TO THESE TERMS, THE SERVICE, OR AI OUTPUT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE).

15.3 Liability Cap

THE TOTAL CUMULATIVE LIABILITY OF THE OPAL PARTIES ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID OPAL IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

15.4 Essential Basis

YOU ACKNOWLEDGE THAT THE LIMITATIONS IN THIS SECTION 15 ARE AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN YOU AND OPAL AND THAT THE SERVICE WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS. THESE LIMITATIONS APPLY EVEN IF A LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

15.5 Jurisdictional Limitations

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, THE OPAL PARTIES' LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

16. Indemnification

You agree to indemnify, defend, and hold harmless the Opal Parties from and against any and all claims, demands, actions, liabilities, damages, losses, judgments, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or related to:

• your use of or access to the Service;
• your Customer Data, including any third-party data you cause to be processed by the Service;
• your violation of these Terms;
• your violation of any law, regulation, or third-party right (including intellectual property, privacy, or publicity rights);
• any decision or action you take, or fail to take, in reliance on AI Output or any other content generated by or obtained through the Service;
• your business operations, including obligations to your customers, employees, or partners;
• any dispute between you and any third party arising in connection with the Service.

Opal reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with Opal's defense of such claim. You may not settle any such claim without Opal's prior written consent.

17. Termination

17.1 By You

You may cancel your subscription at any time through Account Settings. Cancellation takes effect at the end of your current billing period.

17.2 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.

17.3 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, 16, and 19 survive termination.

18. 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. The "Last updated" date at the top of this page reflects the most recent revision. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.

19. Governing Law, Arbitration & Class Action Waiver

19.1 Governing Law

These Terms, and any dispute arising out of or related to these Terms or the Service, are governed by the laws of the State of Delaware, without regard to its conflict of law principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

19.2 Mandatory Binding Arbitration

Except for the Excluded Claims defined in Section 19.5, you and Opal agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service (a "Dispute") shall be resolved exclusively through final and binding individual arbitration, and NOT in court.

Arbitration shall be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, or such other AAA rules as may apply based on the nature of the Dispute. The arbitration shall be conducted by a single arbitrator in Wilmington, Delaware, or via videoconference at your election. Judgment on the award may be entered in any court of competent jurisdiction.

19.3 Class Action Waiver

YOU AND OPAL AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF REPRESENTATIVE OR CLASS PROCEEDING. IF THIS CLASS ACTION WAIVER IS FOUND UNENFORCEABLE, THEN THE ENTIRETY OF THIS ARBITRATION PROVISION SHALL BE NULL AND VOID, BUT THE REMAINDER OF THESE TERMS SHALL REMAIN IN FULL FORCE AND EFFECT.

19.4 Jury Trial Waiver

TO THE EXTENT ANY CLAIM IS NOT SUBJECT TO ARBITRATION, YOU AND OPAL EXPRESSLY WAIVE THE RIGHT TO TRIAL BY JURY AND AGREE THAT ANY SUCH CLAIM SHALL BE DECIDED BY A JUDGE SITTING WITHOUT A JURY.

19.5 Excluded Claims

Notwithstanding the foregoing, either party may bring an individual action in small claims court for disputes within that court's jurisdiction, and either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights, confidentiality obligations, or unauthorized access to the Service.

19.6 Forum for Non-Arbitrable Claims

For any Dispute not subject to arbitration, the exclusive jurisdiction and venue shall be the state and federal courts located in New Castle County, Delaware, and you consent to personal jurisdiction in those courts.

19.7 30-Day Right to Opt Out of Arbitration

You may opt out of the arbitration agreement in this Section 19 by sending written notice to info@myopal.io within 30 days of your first acceptance of these Terms. Your opt-out notice must include your name, the email address associated with your account, and a clear statement that you wish to opt out of arbitration. Opting out will not affect any other provision of these Terms.

19.8 California Residents

Notwithstanding the foregoing, if you are a California resident, you may also have rights under California law that we are required to honor.

20. Contact

Opal Technologies, LLC
A Delaware limited liability company
c/o Republic Registered Agent LLC
262 Chapman Rd, Ste 240
Newark, DE 19702

Email: info@myopal.io
Website: www.myopal.io