Terms of Service

Last Updated: October 21, 2026

1. Acceptance of Terms

By accessing or using The Thirteen Standards of Knowledge platform ("Service", "Platform", "we", "us", or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Service.

2. Eligibility

You must be at least 18 years old to use this Service. By using the Service, you represent and warrant that:

You are at least 18 years of age
You have the legal capacity to enter into these Terms
You will comply with all applicable laws and regulations
All information you provide is accurate and truthful

3. Description of Service

The Thirteen Standards of Knowledge is an educational platform that provides:

Access to educational content about The Thirteen Standards of Knowledge
SOK's AI: an assistant built on our proprietary framework and served by a third-party AI model provider, in chat and inside your planning worksheets
Video content and educational materials
Interactive learning experiences

The Service is provided for educational purposes only and is not intended to provide financial, legal, medical, or professional advice.

4. Account Registration and Security

4.1 Account Creation

You must create an account using Google OAuth authentication
You are responsible for maintaining the confidentiality of your account credentials
You agree to provide accurate, current, and complete information during registration
You are responsible for all activities that occur under your account

4.2 Account Security

You must immediately notify us of any unauthorized use of your account
We are not liable for any loss or damage arising from your failure to protect your account
We reserve the right to suspend or terminate accounts that violate these Terms

5. Payment Terms

5.1 Payment Structure

The Service requires a one-time payment of $10,000 USD for lifetime access
Payment is processed through Stripe, a third-party payment processor
All payments are final. We do not offer refunds except where the law requires or as our Refund Policy states

5.2 Payment Processing

By making a payment, you authorize us to charge your payment method
You agree to provide current, complete, and accurate purchase and account information
We reserve the right to refuse or cancel orders at our sole discretion
We implement rate limiting on payment attempts to prevent abuse (15 attempts per hour per user)

5.3 Access After Payment

Upon successful payment, you will receive lifetime access to the Service
"Lifetime access" means access for as long as the Service is available and your account remains in good standing
We reserve the right to modify, suspend, or discontinue the Service at any time
Lifetime access does not guarantee access to future features or content additions

5.4 AI Usage Credits

Use of SOK's AI (chat, inline worksheet suggestions, text extraction from uploaded files, and dictation) is paid for separately from enrollment, in prepaid AI credits denominated in US dollars
Credits belong to your organization and are shared by its members; a solo account is an organization of one. The organization's owner buys credits and sees each member's usage
Each AI request draws down the balance by the cost our AI model provider charges us for that request plus a markup. The current rates are shown in Settings → Billing, together with an estimate of what a dollar gets; the estimate is derived from past usage and is not a guarantee
Enrolled accounts receive a one-time free allowance of AI usage. We may change the size of the allowance for new enrollments at any time
Credits are bought in the amounts offered in Settings → Billing, subject to a minimum and a maximum per purchase. If you turn on auto-reload, you authorize us to charge your saved payment method for the amount needed to bring your balance back to your chosen level whenever it falls to the floor you set, until you turn auto-reload off or remove the card
When your balance is exhausted, AI requests are refused until credits are added. A request that is already in progress when the balance reaches zero will complete
Credits have no cash value, may not be transferred outside the Service, and do not expire while your account remains in good standing. Purchased credits are non-refundable except where required by law or as stated in our Refund Policy
Every credit purchase and every charge against your balance is recorded in a ledger you can review in Settings. If you believe an entry is wrong, contact us within 30 days of the entry and we will review it

5.5 Trial and Invited Access

We may grant access by invitation, including trial access for a period we state in the invitation, without the payment in Section 5.1
Trial access includes the free AI allowance in Section 5.4 but not the ability to buy AI credits, and a trial account cannot be a member of an organization or add members to one
Trial access ends on the date stated in the invitation unless we extend it or convert it to full access; we may change, extend, or end trial access at any time
These Terms apply to trial and invited accounts in full

6. Demo Sessions

6.1 Demo Access

We may offer limited demo sessions for users to preview the Service
Demo sessions are subject to rate limiting and usage restrictions
Demo access does not include full access to all Service features
We reserve the right to modify or discontinue demo access at any time

6.2 Rate Limiting

Demo sessions are limited to prevent abuse
We track IP addresses and browser fingerprints to enforce rate limits
Attempts to circumvent rate limits may result in permanent ban from the Service

7. Acceptable Use

Our Acceptable Use Policy is part of these Terms and sets out prohibited conduct in more detail.

7.1 Permitted Use

You may use the Service only for lawful purposes and in accordance with these Terms and the Acceptable Use Policy. You agree not to:

Violate any applicable federal, state, local, or international law or regulation
Infringe upon the rights of others
Transmit any material that is defamatory, obscene, or offensive
Attempt to gain unauthorized access to the Service or related systems
Use automated systems (bots, scrapers, etc.) to access the Service
Reverse engineer, decompile, or disassemble any part of the Service
Share your account credentials with others
Attempt to bypass payment or access restrictions
Interfere with or disrupt the Service or servers

7.2 Prohibited Activities

Specifically, you agree NOT to:

Use the Service for any illegal purpose
Attempt to hack, breach, or compromise the security of the Service
Copy, reproduce, or redistribute any content without authorization
Use the AI chat interface to generate illegal, harmful, or malicious content
Abuse the demo session system or attempt to circumvent payment
Engage in any activity that could damage, disable, or impair the Service

8. Intellectual Property Rights

8.1 Our Content

All content on the Service, including text, graphics, logos, videos, and software, is the property of The Thirteen Standards of Knowledge or its licensors
Content is protected by copyright, trademark, and other intellectual property laws
You may not copy, modify, distribute, sell, or lease any part of the Service

8.2 User-Generated Content

Any content you submit through the Service (including chat interactions) may be stored and used by us
You retain ownership of your content but grant us a license to use, store, and process it
You are responsible for ensuring you have the right to submit any content you provide

8.3 Third-Party Content

The Service may include content from third parties, including responses generated by our AI model provider
Such content is subject to the respective third party's terms and conditions

9. AI and Third-Party Services

9.1 AI Chat Functionality

SOK's AI is built on our proprietary framework and served by Anthropic's models through a third-party API; dictation uses a third-party speech-to-text provider
AI-generated responses may contain errors or inaccuracies
We do not guarantee the accuracy, completeness, or usefulness of AI-generated content
You acknowledge that AI responses are for educational purposes only

9.2 Third-Party Services

The Service integrates with the following third-party services:

Google: For authentication (OAuth)
Stripe: For payment processing
Supabase: For data storage
Anthropic: For generating SOK's AI responses
AssemblyAI: For speech-to-text dictation
OpenAI: For the public demo chat only
DigitalOcean Spaces: For video content hosting and storage of the files you upload
Vercel: For hosting, analytics, and performance monitoring
Sentry: For error monitoring
Resend: For sending email

Your use of these third-party services is subject to their respective terms and conditions.

10. Disclaimers

10.1 Educational Content Only

The Service provides educational content only
Content is not intended as financial, legal, medical, or professional advice
References to "billionaire" status, success, or wealth are aspirational and educational in nature
Individual results may vary, and we make no guarantees about outcomes

10.2 No Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

WARRANTIES OF MERCHANTABILITY
FITNESS FOR A PARTICULAR PURPOSE
NON-INFRINGEMENT
ACCURACY OR RELIABILITY OF CONTENT

10.3 Service Availability

We do not guarantee that the Service will be available at all times
We may experience downtime for maintenance, updates, or technical issues
We reserve the right to modify, suspend, or discontinue any part of the Service

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE THIRTEEN STANDARDS OF KNOWLEDGE, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR:

ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES
DAMAGES RESULTING FROM YOUR USE OR INABILITY TO USE THE SERVICE
DAMAGES RESULTING FROM UNAUTHORIZED ACCESS TO OR USE OF YOUR ACCOUNT

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE SERVICE ($10,000 USD).

12. Indemnification

You agree to indemnify, defend, and hold harmless The Thirteen Standards of Knowledge and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

Your use of the Service
Your violation of these Terms
Your violation of any rights of another party
Your violation of any applicable law

13. Termination

13.1 Termination by You

You may stop using the Service at any time by discontinuing access to your account.

13.2 Termination by Us

We may suspend or terminate your access to the Service immediately, without prior notice, if:

You violate these Terms
You engage in fraudulent, abusive, or illegal activity
You fail to pay any required fees
We are required to do so by law
We decide to discontinue the Service

13.3 Effect of Termination

Upon termination:

Your right to use the Service will immediately cease
We may delete your account and data
You will not be entitled to any refund unless required by law or our Refund Policy

14. Dispute Resolution

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Nevada, United States, without regard to its conflict of law provisions.

14.2 Dispute Resolution Process

Any disputes arising from these Terms or the Service shall first be addressed through good faith negotiation
If negotiation fails, disputes shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules (as then in effect). Unless the parties agree otherwise, the arbitration shall take place in Clark County (Las Vegas), Nevada.
You waive your right to a jury trial and to participate in class action lawsuits

15. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by:

Posting the updated Terms on the Service
Updating the "Last Updated" date
Sending email notifications for significant changes (if applicable)

Your continued use of the Service after changes become effective constitutes acceptance of the modified Terms.

16. Miscellaneous

16.1 Entire Agreement

These Terms, together with our Privacy Policy, Refund Policy, and Acceptable Use Policy, constitute the entire agreement between you and us regarding the Service.

16.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full effect.

16.3 Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision.

16.4 Assignment

You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms without restriction.

16.5 Contact Information

If you have questions about these Terms, please contact us at:

Email: info@thirteenstandards.com
Address: 203 S Water Street, Suite 300, Henderson, NV 89015

17. Acknowledgment

BY USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.