Terms of Service

1. Acceptance of These Terms

These Terms of Service ("Terms") form a binding agreement between you and Prism AI Analytics, LLC ("Prism AI Analytics," "we," "us," or "our") and govern your access to and use of prismaianalytics.com, our consulting engagements, our digital products, our email communications, and any other service that links to these Terms (collectively, the "Services").

By accessing the Services, purchasing a product, or engaging us for consulting work, you agree to these Terms and to our Privacy Policy, which is incorporated here by reference. If you do not agree, do not use the Services. If you are using the Services on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

2. About Us and the Services

Prism AI Analytics, LLC is a Charlotte, North Carolina–based AI and data consultancy. We help small businesses and startups make better decisions with clarity and confidence through consulting engagements, advisory work, and digital products sold or promoted directly and through third-party marketplaces and platforms.

3. Eligibility and Accounts

You must be at least 18 years old and able to form a legally binding contract to use the Services. If we provide you an account or portal access, you are responsible for keeping your credentials secure and for all activity that occurs under your account. Notify us promptly at michele@prismaianalytics.com if you suspect unauthorized use. You agree to provide accurate information and to keep it current.

4. Consulting Engagements

Consulting work is governed by a separate proposal, statement of work, order form, or engagement letter ("Engagement Document") that describes the scope, deliverables, timeline, and fees. Where an Engagement Document conflicts with these Terms, the Engagement Document controls for that engagement.

Unless an Engagement Document says otherwise: you are responsible for providing timely access to the information, systems, and personnel we reasonably need; deliverables are accepted upon delivery unless you notify us of a material deficiency within a stated review window; and either party may pause or end an engagement on reasonable written notice, with fees due for work performed through the effective date of termination.

5. Digital Products and Licensing

5.1 License grant. When you purchase or download a Prism AI Analytics digital product (such as a template, dataset, guide, planner, or toolkit), we grant you a non-exclusive, non-transferable, non-sublicensable license to use that product for your own personal or internal business purposes, subject to these Terms and any product-specific license included with the product.

5.2 Restrictions. Unless we expressly permit it in writing, you may not resell, redistribute, sublicense, publicly share, or claim authorship of our digital products, and you may not remove proprietary notices. A product-specific license may grant broader or narrower rights, in which case that license controls for that product.

5.3 AI-training restriction. You may not use, copy, or incorporate our digital products, or any substantial part of them, to train, fine-tune, or develop an artificial intelligence or machine-learning model that is made available to third parties. Your own internal use of a product alongside AI tools is permitted.

6. Orders, Payment, and Refunds

6.1 Pricing and payment. Prices are stated at the point of sale or in your Engagement Document. You authorize us and our payment processors or marketplaces (such as Stripe, Etsy, TikTok Shop, Gumroad, and Amazon) to charge the applicable fees. You are responsible for any taxes that apply to your purchase other than taxes on our income.

6.2 Invoicing. Consulting fees are invoiced as set out in the Engagement Document. Undisputed invoices are due on the stated terms; overdue amounts may incur reasonable late fees where permitted by law.

6.3 Consulting refunds. Consulting work that has been invoiced and accepted is non-refundable. Prepaid retainers are refundable for services not yet rendered if you give at least 14 days' written notice; we will refund the unused, unrendered portion.

6.4 Digital product refunds. Because digital products are delivered electronically, all sales are final once the product has been delivered or made available for download. If a product is materially defective or does not substantially match its description, contact us within 14 days of purchase and we will repair, replace, or refund it at our discretion. Where you purchase through a third-party marketplace whose buyer-protection or refund policy is more generous than this section, that marketplace's policy controls for that purchase.

7. Acceptable Use

You agree not to use the Services to: violate any law or third-party right; infringe intellectual property; upload malicious code; attempt to gain unauthorized access to our systems or data; scrape, harvest, or bulk-download content except as expressly permitted; misrepresent your identity or affiliation; or interfere with the operation, security, or integrity of the Services. We may suspend or terminate access for conduct that violates these Terms or that we reasonably believe is harmful to us, our clients, or others.

8. Third-Party Marketplaces and Platforms

Some of our products are sold or promoted through third-party marketplaces and platforms (Etsy, TikTok Shop, Gumroad, Pinterest, Amazon Merch on Demand, and similar), and the Services may link to third-party sites. Those marketplaces and sites are operated by others, have their own terms and privacy policies, and control your account, payment, shipping, and dispute processes on their platforms. We are not responsible for their practices, availability, or content, and your purchases there are also subject to their terms. We encourage you to review them.

9. Our Intellectual Property

The Services, including the website, our methodologies, frameworks, text, graphics, logos, and the "Prism AI Analytics" name and marks, are owned by or licensed to us and are protected by intellectual-property laws. Except for the rights expressly granted in Section 5 or in an Engagement Document, we reserve all rights. You may not use our names, logos, or branding without our prior written permission. Feedback you choose to give us about the Services may be used by us without restriction or obligation.

10. Disclaimers and Limitation of Liability

Disclaimer. The Services are provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. Our consulting work and digital products are intended to inform your decisions; they are not legal, financial, tax, or investment advice, and you remain responsible for the decisions you make.

Limitation of liability. To the fullest extent permitted by law, neither party will be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, data, or goodwill. Our total aggregate liability arising out of or relating to the Services or these Terms will not exceed the greater of (a) the total fees you paid to us in the twelve (12) months before the event giving rise to the claim, or (b) one hundred U.S. dollars (US$100). Some jurisdictions do not allow certain limitations, so portions of this section may not apply to you.

11. Indemnification

You agree to indemnify and hold harmless Prism AI Analytics, LLC and its members, employees, and contractors from claims, damages, and reasonable expenses (including attorneys' fees) arising out of your breach of these Terms, your misuse of the Services, or your violation of any law or third-party right, except to the extent caused by our own gross negligence or willful misconduct.

12. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of North Carolina, without regard to its conflict-of-laws rules.

Informal resolution first. If a dispute arises, you agree to contact us first at michele@prismaianalytics.com and to work with us in good faith to resolve it informally for at least 30 days before starting a formal proceeding.

Courts and venue. If we cannot resolve a dispute informally, it will be brought exclusively in the state or federal courts located in Mecklenburg County, North Carolina, and you and we consent to the personal jurisdiction of those courts. This does not prevent either party from seeking relief in small-claims court for qualifying claims, or from seeking injunctive or other equitable relief to protect intellectual property or confidential information in any court of competent jurisdiction.

Class-action waiver. To the extent permitted by law, disputes will be resolved on an individual basis, and you and we each waive any right to participate in a class, collective, or representative action.

13. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Last Updated" date above. If the changes are material, we will provide additional notice (such as a website banner or email). Your continued use of the Services after the effective date of any update constitutes acceptance of the revised Terms.

14. Contact Us

Questions about these Terms: