Terms and ConditionsBack to the app →

Terms and Conditions

Effective October 4, 2026 · Version 2026-10-04

Gamechangeai LLC, a California limited liability company, provider of the Underwing platform.

Contents

  1. Eligibility and Client Status
  2. Description of Service
  3. AI-Generated Content; Coaching; No Guarantee of Results
  4. User Responsibility for Content and Conduct
  5. Usage Limits
  6. Intellectual Property; Inputs; Outputs; Restrictions
  7. Data, Confidential Information, and Privacy
  8. Fees, Subscriptions, and Payment
  9. Disclaimer of Warranties
  10. Limitation of Liability
  11. Indemnification
  12. Suspension; Termination; Data After Termination
  13. Governing Law; Dispute Resolution
  14. Changes to These Terms
  15. Contact
  16. General Provisions

These Terms and Conditions ("Terms") govern access to and use of the Underwing platform, including all related software, tools, dashboards, AI-generated content features, and services (collectively, the "Platform" or "Service"), provided by Gamechangeai LLC, a California limited liability company ("Underwing," "we," "us," or "our"). "Underwing" is the name of the Platform and brand operated by Gamechangeai LLC.

By checking the acceptance box, creating an account, and affirmatively clicking "I Agree", you ("Client," "User," or "you") agree to be bound by these Terms. If you do not agree, do not check the box, create an account, or access the Platform.

1. Eligibility and Client Status

1.1 You must be at least 18 years old and capable of forming a binding contract to use the Platform.

1.2 The Platform is provided on a client-access basis. Access is a limited, revocable right to use the Service under these Terms and is not a sale or transfer of the underlying Platform, software, or intellectual property.

1.3 You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.

1.4 The Platform is intended for use by licensed insurance producers, agency principals, and agency staff acting within the scope of their licenses and appointments. You are responsible for holding, and keeping current, every license, appointment, and continuing-education requirement that applies to the business you conduct with the help of the Platform.

1.5 Business Use Only. The Platform is offered for business and professional use. By accepting these Terms you represent that you are using the Platform in connection with your trade, business, or profession and not for personal, family, or household purposes.

1.6 One User per Account. Each account is for one named individual. You may not share login credentials, let another person use your account, or use one account on behalf of a team. Underwing may detect and stop shared or concurrent use.

1.7 Accurate Information. You agree to provide accurate account and billing information and to keep it current. Underwing may suspend an account opened or kept with false information.

2. Description of Service

2.1 Underwing provides AI-assisted tools for insurance producers and other authorized users, which may include content generation, marketing assistance, communication drafting, coaching, training, analytics, and related productivity features.

2.2 The Platform uses artificial intelligence and machine learning models. Features, outputs, model availability, functionality, and integrations may change, be added, suspended, or removed from time to time.

2.3 Third-Party Services. The Platform may rely on third-party artificial intelligence models, cloud infrastructure, APIs, data providers, and other service providers. Underwing does not control those third parties and is not responsible for outages, interruptions, model changes, rate limits, discontinuation, or other failures attributable to third-party services, except to the extent required by applicable law.

2.4 Not an Insurer, Agency, or Carrier. Underwing is a software service. It is not an insurance company, insurance agency, managing general agent, or licensed producer. The Platform does not quote, rate, underwrite, bind, issue, service, renew, or cancel insurance coverage, does not adjust or pay claims, and does not determine eligibility, suitability, or coverage under any policy. Every drafting tool produces material for your review; nothing in the Platform sends, submits, binds, or transacts on your behalf.

3. AI-Generated Content; Coaching; No Guarantee of Results

3.1 Generative AI can produce content that is inaccurate, incomplete, outdated, biased, or entirely fabricated ("hallucinated"), including factual claims, names, figures, premiums, rates, policy terms, coverage descriptions, carrier positions, legal or regulatory statements, and market data.

3.2 All AI-generated output is provided as-is and must be independently reviewed and verified before use, reliance, publication, or distribution. Underwing makes no representation or warranty regarding its accuracy, completeness, reliability, legality, or fitness for a particular purpose.

3.3 Underwing is not a substitute for licensed legal, financial, tax, accounting, actuarial, insurance, medical, or health and fitness advice. Any statement the Platform produces about coverage, exclusions, premiums, claims, eligibility, or suitability is a draft for a licensed professional to verify against the actual policy forms, carrier guidelines, and applicable law before it reaches a client.

3.4 You are solely responsible for reviewing, editing, fact-checking, and approving content generated through the Platform before publishing, sending, submitting, or otherwise using it.

3.5 Coaching and Training Are Educational. Coaching, training, scripts, lessons, practice calls, roleplay, assessments, goal-setting tools, and similar features (together, "Coaching Features") are provided for education and skill practice only. They do not create a professional relationship of any kind, and they are not legal, compliance, financial, tax, medical, psychological, or insurance advice.

3.6 Practice Scores and Assessments. Scores, baselines, rubrics, ratings, and assessment results produced by the Platform, including Roleplay Coach scores and The Connection Code and The Wiring Code results, are automated estimates generated by AI. They may be inconsistent or wrong, they are not a certification, license, credential, or measure of competence, and they do not predict sales, income, or job performance. You agree not to use them, and not to let anyone else use them, as a basis for hiring, firing, promotion, compensation, licensing, appointment, or any other employment or eligibility decision about any person.

3.7 No Guarantee of Results or Income. Underwing does not promise or guarantee any result, including any number of appointments, quotes, applications, policies bound, premium written, retention, referrals, commissions, income, savings, or return on your subscription. Any example, illustration, case study, testimonial, statement of value, or calculation in the Platform or in Underwing marketing, including any statement that a single sale or saved policy may cover the cost of a subscription, is illustrative only and is not a prediction or promise of what you will achieve. Your results depend on your own skill, effort, market, licensing, carriers, clients, and many factors outside Underwing's control.

3.8 Not Therapy; Health and Wellbeing. Goal Setting, Health & Fitness, and any feature that discusses beliefs, motivation, habits, stress, sleep, nutrition, or exercise is general educational content, not therapy, counseling, or medical care. Consult a qualified professional before changing your diet, exercise, sleep, or medication. If you are in crisis or may harm yourself or someone else, stop using the Platform and call 911, or call or text 988 (the Suicide & Crisis Lifeline in the United States).

3.9 Speech and Voice Features. Voice input, read-aloud, and hands-free features may process your voice and the Platform's responses through your browser and through third-party speech providers. Do not use voice features while driving unless it is lawful and safe to do so, and never in a way that takes your attention from the road. You are solely responsible for how and where you use them.

4. User Responsibility for Content and Conduct

4.1 You are responsible for all content you input into, publish through, or distribute using the Platform and for ensuring compliance with applicable insurance licensing, advertising, and unfair-trade-practice laws; anti-rebating and inducement rules; Medicare and other government-program marketing rules where they apply; telephone, text, and email consent, do-not-call, and unsubscribe requirements; privacy and data-security laws governing nonpublic personal and health information; carrier appointment agreements; and other legal, professional, and ethical requirements.

4.2 You may not use the Platform for false, misleading, defamatory, fraudulent, or deceptive content; misrepresentation of policy terms, coverage, premiums, or a carrier's financial condition; promises or guarantees of coverage, claim outcomes, or premium savings; rebates, inducements, or gifts prohibited by law; unlawful discrimination in marketing or eligibility; twisting, churning, or other unfair trade practices; unlawful contact with consumers who have not consented or have opted out; infringement of intellectual property, privacy, publicity, confidentiality, or other rights; unlawful activity; malicious code; unauthorized access; or attempts to bypass Platform safeguards.

4.3 Underwing has no obligation to monitor User Content but may remove content or suspend access if it reasonably believes these Terms have been violated.

4.4 Underwing maintains automated safeguards intended to reduce the risk of output that promises coverage or claim results, invents premiums or rates, offers prohibited inducements, mishandles Medicare marketing, or contacts consumers without consent, and updates those safeguards as regulatory guidance evolves. These safeguards are a risk-reduction measure, not a guarantee, and do not replace your independent review obligation under Section 3.4.

4.5 Information About Other People. You may submit information about clients, prospects, and other people, including notes, messages, and transcripts or summaries of conversations, only if you have every right, notice, and consent required by law and by your agreements to do so. Recording or sharing a telephone or video call can require the consent of every participant; California and several other states require all-party consent. You are solely responsible for obtaining those consents, and you must not submit any recording, transcript, or summary of a conversation that you were not permitted to record or share.

4.6 Your Professional Responsibility. You remain solely responsible for your advice, recommendations, sales, placements, and service to clients, for your own errors-and-omissions coverage, and for complying with your carrier, agency, and IMO agreements. The Platform does not supervise you, and its safeguards are not a compliance program.

5. Usage Limits

5.1 Underwing may establish reasonable usage limits, processing credits, rate limits, model-access limits, or other consumption controls. Limits may vary by plan, feature, model, user, capacity, or underlying provider cost and may be displayed in the Platform or applicable ordering or pricing materials.

5.2 Underwing may throttle, restrict, suspend, or terminate access where usage limits are exceeded, use imposes unreasonable load, or activity threatens the security, stability, or availability of the Platform.

5.3 Underwing may modify usage limits to reflect provider pricing, capacity, product changes, abuse prevention, or business needs, subject to any notice required by applicable law or written agreement.

5.4 Like any AI service, use of the Platform consumes computing resources that carry real cost, and the more the Platform is used, the more it costs to operate. Usage allowances and limits exist for that reason. The Platform may display your usage and a rough estimate of its cost so you can pace your work; those figures are estimates for guidance, not invoices. Usage within your plan's allowance is not billed separately (see Addendum A).

6. Intellectual Property; Inputs; Outputs; Restrictions

6.1 Platform IP. The Platform, including its software, models, proprietary workflows, system instructions, prompts, prompt chains, coaching architecture, scoring methodologies, designs, interfaces, trademarks, and underlying technology (collectively, "Underwing IP"), is owned by Underwing or its licensors.

6.2 Subject to compliance with these Terms, Underwing grants you a limited, non-exclusive, non-transferable, revocable right to access and use the Platform for authorized business activities.

6.3 User Inputs. As between you and Underwing, you retain ownership of content you submit. You grant Underwing and its service providers the rights reasonably necessary to process it to operate, secure, maintain, support, and provide the Service.

6.4 Generated Outputs. Subject to these Terms and applicable law, you may use, edit, reproduce, publish, and distribute outputs generated for you in connection with your business. This does not grant rights to Underwing IP used to generate those outputs, and AI-generated content may not be unique or eligible for intellectual-property protection.

6.5 You may not reverse engineer, decompile, extract or attempt to discover source code, system prompts, prompt chains, models, scoring methods, proprietary workflows, or architecture; use the Platform or systematically collected outputs to build, train, benchmark for replication, or improve a competing service; scrape or harvest proprietary elements; resell or share unauthorized access; circumvent safeguards; or remove proprietary notices.

6.6 Access does not create any right to replicate, clone, compete with, or extract Underwing IP.

6.7 Feedback. If you send Underwing suggestions, ideas, feature requests, bug reports, Producer Voice submissions, survey answers, or other feedback ("Feedback"), you grant Underwing a perpetual, irrevocable, worldwide, royalty-free, fully paid, transferable, and sublicensable license to use, copy, modify, and commercialize the Feedback for any purpose, without payment, attribution, or obligation to you. Any reward Underwing offers for Feedback or participation is a promotional gift on the terms stated with the offer; it is not wages or compensation for services, and it does not create an employment, contractor, or agency relationship.

6.8 Aggregated and De-identified Data. Underwing may collect and create aggregated or de-identified data derived from use of the Platform, including usage, practice, and outcome statistics, that does not identify you or any client. Underwing owns that data and may use it to operate, secure, improve, benchmark, and market the Platform and to publish general statistics, provided it does not identify you or any individual.

6.9 Publicity. Underwing will not publish your name, likeness, results, or testimonial as an endorsement without your permission. With your permission, Underwing may use your name, logo, and the statements you approve in its marketing.

6.10 Confidential Features. Features, pricing, roadmaps, and other non-public information Underwing shares with you during a pilot, beta, or preview are Underwing confidential information. You agree not to disclose them or use them except to evaluate and use the Platform.

7. Data, Confidential Information, and Privacy

7.1 You are responsible for determining whether information submitted to the Platform may lawfully be disclosed and processed. Do not submit Social Security numbers, driver's license numbers, bank or payment card information, policy or claim numbers tied to an identifiable person, protected health information, or other nonpublic personal or regulated information unless the Platform expressly supports that use and you are authorized to provide it. Applications, medical records, and payment details belong in your agency management system and carrier portals, not in a drafting tool.

7.2 Underwing may process User Content through third-party infrastructure and AI providers as reasonably necessary to provide the Service, subject to Underwing's Privacy Policy and applicable provider arrangements.

7.3 Underwing will maintain administrative, technical, and organizational safeguards appropriate to the nature of the Service, but no system can be guaranteed completely secure.

7.4 Underwing will not use private User Content to train generalized Underwing models or authorize third-party model providers to train their generalized models on such content except as expressly disclosed and authorized.

7.5 Data retention, deletion, account closure, legally required retention, and export rights will be governed by the Privacy Policy and applicable product functionality.

8. Fees, Subscriptions, and Payment

8.1 Access, eligibility, pricing, billing cycles, usage entitlements, and agency- or group-specific commercial terms are described in the applicable order, offer, subscription screen, or Addendum A. Underwing may offer different plans or arrangements to different authorized customers or organizations.

8.2 Any special pricing or access made available to a pilot cohort, agency, or group is a commercial program and does not limit Underwing's ability to offer the Platform to other customers or organizations.

8.3 Pricing, billing cycle, renewal, cancellation, and refund terms for each plan are set forth in Addendum A, on the subscription screen shown to you before you subscribe, or in applicable ordering materials. If those materials and Addendum A differ, the terms shown to you at the time you subscribed control for that subscription.

8.4 Except where otherwise required by law or expressly stated in an applicable offer, fees are non-refundable once billed.

8.5 Where a subscription automatically renews, cancellation will be at least as simple as the process used to subscribe, and Underwing will provide any renewal or pre-renewal notice required by California or other applicable state law.

8.6 Authorization to Charge. When you subscribe to a paid plan, you authorize Underwing, through its payment processor, to charge the payment method you provide for the subscription fee and applicable taxes at the start of each billing period until you cancel. You are responsible for keeping a valid payment method on file.

8.7 Price Changes. Underwing may change the price of a plan. Underwing will give you at least thirty (30) days' notice by email or in the Platform before a new price applies to your subscription, and the new price will take effect at the start of your next billing period after the notice period. If you do not agree to the new price, you may cancel before it takes effect.

8.8 Taxes. Fees do not include taxes. You are responsible for all sales, use, value-added, and similar taxes associated with your subscription, other than taxes on Underwing's net income.

8.9 Failed Payments. If a charge fails, Underwing may retry the charge and may suspend access until payment is received, as described in Addendum A.

8.10 Payment Disputes. If you believe you were charged in error, contact Underwing at the email in Addendum A within sixty (60) days of the charge so it can be investigated and corrected. Underwing may suspend an account while a chargeback or payment dispute is pending, and may terminate an account that files a chargeback for a charge it authorized under these Terms.

8.11 Payment Processor. Payments are processed by a third-party payment processor, currently Stripe. Underwing does not store full payment card numbers. Your use of the processor is also subject to its terms and privacy policy.

9. Disclaimer of Warranties

9.1 THE PLATFORM AND ALL OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ACCURACY.

9.2 Underwing does not warrant uninterrupted, error-free, secure, or continuously available service, compatibility with every third-party service, or that AI-generated output will be accurate, complete, unique, lawful, compliant with any carrier's or regulator's requirements, or suitable for a particular purpose.

10. Limitation of Liability

10.1 TO THE FULLEST EXTENT PERMITTED BY LAW, UNDERWING AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND AFFILIATES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR LOSS OF PROFITS, REVENUE, COMMISSIONS, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, OR ANY REGULATORY FINE, PENALTY, LICENSE ACTION, CARRIER TERMINATION, OR ERRORS-AND-OMISSIONS CLAIM, ARISING OUT OF OR RELATED TO THE PLATFORM.

10.2 TO THE FULLEST EXTENT PERMITTED BY LAW, UNDERWING'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE PLATFORM WILL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES PAID BY YOU TO UNDERWING IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US $100).

10.3 Nothing in these Terms excludes liability that cannot lawfully be excluded or limited.

10.4 Time to Bring a Claim. To the fullest extent permitted by law, any claim arising out of or related to these Terms or the Platform must be brought within one (1) year after the claim arises, or it is permanently barred.

10.5 Basis of the Bargain. You acknowledge that the disclaimers and limitations in Sections 3, 9, and 10 reflect a reasonable allocation of risk, are an essential basis of the bargain between you and Underwing, and are reflected in the price of the Platform, and that Underwing would not provide the Platform without them.

11. Indemnification

11.1 You agree to indemnify, defend, and hold harmless Underwing and its owners, officers, employees, contractors, and affiliates from claims, damages, losses, liabilities, judgments, settlements, penalties, and reasonable attorneys' fees arising from your misuse of the Platform; content you publish or distribute, including unverified AI-generated content; violation of these Terms; or violation of law or third-party rights, including insurance licensing, advertising, anti-rebating, government-program marketing, consumer-consent, and privacy requirements, and including any claim by a client, carrier, or regulator relating to coverage you placed, advised on, or failed to place.

11.2 This indemnification obligation does not apply to the extent a claim arises from Underwing's own gross negligence or willful misconduct.

11.3 Procedure. Underwing will give you prompt written notice of any claim subject to indemnification, provided that a delay in notice relieves you of your obligations only to the extent you are materially prejudiced by the delay. You may assume control of the defense and settlement of the claim with counsel reasonably acceptable to Underwing, and Underwing will reasonably cooperate at your expense. Underwing may participate in the defense with its own counsel at its own expense. You may not settle any claim in a manner that imposes liability, an admission of fault, or any obligation on Underwing without Underwing's prior written consent, which will not be unreasonably withheld.

12. Suspension; Termination; Data After Termination

12.1 Underwing may suspend or terminate access, with or without notice as permitted by law, for violations, non-payment, security threats, misuse, unreasonable system load, or harmful conduct.

12.2 You may terminate your account using the cancellation method provided by Underwing.

12.3 Following termination, access to stored projects or data may cease. Export periods, deletion schedules, backup retention, and legally required retention will be governed by the Privacy Policy and applicable product functionality.

12.4 Provisions concerning intellectual property, restrictions, disclaimers, limitation of liability, indemnification, dispute resolution, and provisions that by their nature should survive will survive termination.

13. Governing Law; Dispute Resolution

13.1 These Terms and disputes arising out of or related to the Platform are governed by California law, without regard to conflict-of-laws principles, and venue for any dispute not subject to arbitration lies exclusively in the state or federal courts located in San Diego County, California.

13.2 Arbitration. Except as set out below, any dispute, claim, or controversy arising out of or relating to these Terms or the Platform will be resolved by binding individual arbitration administered by JAMS under its rules in effect when the arbitration is filed, including the JAMS Streamlined Arbitration Rules for claims under $250,000 and the JAMS Comprehensive Arbitration Rules for larger claims, and, where you qualify as a consumer under California law, the JAMS Consumer Arbitration Minimum Standards. The arbitration will be conducted by a single arbitrator in San Diego County, California, or by video conference if the parties agree. Judgment on the award may be entered in any court of competent jurisdiction. Either party may instead bring an individual claim in small claims court if the claim qualifies. The Federal Arbitration Act governs the interpretation and enforcement of this Section 13.

13.3 Class and Representative Action Waiver. You and Underwing each agree that any arbitration or proceeding will be conducted only on an individual basis and not as a class, collective, or representative action, to the fullest extent permitted by law.

13.4 Opt-Out. You may opt out of this arbitration agreement by sending written notice to the legal-notice address or the contact email listed in Addendum A within thirty (30) days after you first accept these Terms. Your notice must include your name, the email address associated with your account, and a statement that you are opting out of arbitration. Opting out of arbitration does not opt you out of the remainder of these Terms.

13.5 Carve-Out for Injunctive Relief. Notwithstanding the above, either party may bring an individual action in court seeking injunctive or other equitable relief for actual or threatened infringement, misappropriation, or violation of a party's intellectual property, confidentiality, or Platform-security rights, including unauthorized access, scraping, or reverse engineering.

13.6 Informal Resolution First. Before starting an arbitration or court action, the party with a claim must send the other a written notice describing the claim and the relief sought, and both parties will try in good faith to resolve it informally for at least thirty (30) days. Notices to Underwing go to the email and address in Addendum A.

13.7 Mass Filings. If twenty-five (25) or more similar arbitration demands are filed against Underwing by or with the help of the same law firm or coordinated group, the demands will be administered in batches of up to twenty-five (25), with one arbitrator per batch, and JAMS mass-arbitration procedures will apply to the extent consistent with this Section. Filing fees for later batches will not be due until the earlier batch is resolved, to the extent permitted by the JAMS rules and applicable law.

13.8 Jury Trial Waiver. To the fullest extent permitted by law, if any dispute proceeds in court rather than arbitration, you and Underwing each waive the right to a trial by jury.

14. Changes to These Terms

Underwing may update these Terms from time to time. Material changes will be communicated through the Platform, by email, or as otherwise required by law. Continued use after revised Terms take effect constitutes acceptance to the extent permitted by applicable law.

15. Contact

The registered address for legal notices and support/legal contact information are set forth in Addendum A.

16. General Provisions

16.1 Severability. If any provision of these Terms is found unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, or severed if it cannot be so modified, and the remaining provisions will continue in full force.

16.2 Entire Agreement. These Terms, together with Addendum A and any applicable order or offer, constitute the entire agreement between you and Underwing regarding the Platform and supersede any prior or contemporaneous agreements on that subject.

16.3 No Waiver. Underwing's failure to enforce any provision of these Terms is not a waiver of its right to do so later.

16.4 Assignment. You may not assign or transfer these Terms without Underwing's prior written consent. Underwing may assign these Terms in connection with a merger, acquisition, or sale of substantially all of its assets.

16.5 Notices. Notices to Underwing must be sent to the address in Addendum A. Notices to you may be sent to the email or contact information associated with your account.

16.6 No Third-Party Beneficiaries. These Terms are for the benefit of you and Underwing only and do not create rights in any third party.

16.7 No Agency Relationship. Nothing in these Terms makes Underwing your agent, sub-producer, employee, or joint venturer, and nothing makes you Underwing's agent. Neither party may bind the other.

16.8 Force Majeure. Underwing is not liable for any delay or failure to perform caused by events beyond its reasonable control, including outages or changes at AI, cloud, payment, or communications providers, internet or power failures, cyberattacks, labor disputes, acts of government, natural disasters, epidemics, or war.

16.9 Electronic Communications and Signatures. You agree to receive notices, disclosures, receipts, and other communications electronically, and agree that your electronic acceptance of these Terms has the same effect as a handwritten signature.

16.10 Headings and Interpretation. Headings are for convenience only. "Including" means "including without limitation." These Terms will not be construed against either party as the drafter.

ADDENDUM A

Pricing, Billing, Renewal, Cancellation, and Contact Information

A.1 Plans. Underwing Membership: US $68.00 per month, plus applicable taxes, for one named user. Pilot producers invited before paid plans launched keep no-charge access until Underwing gives them at least thirty (30) days' notice; no pilot producer will be charged unless they affirmatively subscribe to a paid plan. Terms for agency, team, group, or white-label arrangements will be stated in an order form or offer before any fees are charged.

A.2 Usage Entitlements. Each plan includes a fair-use allowance of AI processing, subject to Section 5. Usage, allowances, and estimated costs may be displayed within the Platform; those figures are for pacing and are not invoices.

A.3 Billing Cycle. Paid plans are billed monthly in advance, starting on the day you subscribe and on the same day of each following month.

A.4 Automatic Renewal and Cancellation. YOUR SUBSCRIPTION RENEWS AUTOMATICALLY EVERY MONTH, AND YOUR PAYMENT METHOD WILL BE CHARGED THE THEN-CURRENT MONTHLY PRICE PLUS TAXES, UNTIL YOU CANCEL. The price, billing frequency, and how to cancel will be shown to you, and your affirmative consent obtained, before you subscribe, and Underwing will send you an acknowledgment by email that includes these terms and how to cancel. You may cancel at any time online, using the cancellation option in the Platform or the billing portal linked from it, or by emailing the address in A.8. Cancellation takes effect at the end of the billing period you have already paid for, and you keep access until then. Underwing will give any notice of renewal, price change, or other material change that California or other applicable law requires.

A.5 Refund Policy. Except where required by law or expressly stated in an applicable offer, fees are non-refundable once billed, and Underwing does not provide refunds or credits for partial months, unused allowances, or periods in which you did not use the Platform.

A.6 Late Payment and Suspension. If a charge fails, Underwing may retry it over the following fourteen (14) days and will notify you by email. If payment is still not received after fourteen (14) days, Underwing may suspend access until the balance is paid, and may cancel the subscription after thirty (30) days of non-payment.

A.7 Registered Address for Legal Notices. Gamechangeai LLC, c/o its registered agent, Northwest Registered Agent, at the registered agent address on file for Gamechangeai LLC with the California Secretary of State.

A.8 Support and Legal Contact Email. sam@samjohnsoncoach.com