By accessing or using the Econblox AI Business Advisor platform ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.
These Terms constitute a legally binding agreement between you and Econblox (a division of Toteflix Inc.).
Econblox provides an AI-powered business advisory platform that delivers strategic business guidance based on economics principles. The Service utilizes artificial intelligence technology (powered by Anthropic's Claude API) to analyze your business questions and provide recommendations drawn from a comprehensive knowledge base of professional economics training content.
CRITICAL: We are NOT a registered investment adviser, financial planner, or securities broker.
This Service provides business strategy advice, not personal investment advice. See Section 6 below for complete investment advice disclaimers and restrictions.
The Service operates using AI API tokens that process your requests. Each subscription tier includes reasonable token usage for normal business consulting activities.
Normal use includes:
Unreasonable use includes but is not limited to:
We strive to provide continuous service availability but do not guarantee uninterrupted access. We may suspend the Service for:
To cancel your subscription, you must send written notice via email to: support@econblox.com
Required information:
Cancellations take effect at the end of your current billing period. Cancellation requests made through any other method (social media, phone, etc.) may not be processed.
Subscription fees are non-refundable. This includes:
You retain access to the Service through the end of your paid subscription period after cancellation.
Exceptions: Refunds may be provided at our sole discretion or as required by applicable law.
We reserve the right to suspend or terminate your account for:
No refunds will be provided for terminations due to Terms violations.
READ THIS SECTION CAREFULLY - IT LIMITS OUR LIABILITY AND YOUR RIGHTS
Econblox and the AI Business Advisor Service are NOT registered as an investment adviser with the U.S. Securities and Exchange Commission (SEC) or any state securities authority.
We are NOT:
We do NOT provide:
We provide economics-based BUSINESS strategy advice:
This Service is designed for business owners and executives making strategic business decisions, not for managing personal investment portfolios.
Examples of appropriate use:
"What factors should I consider when expanding into this market?" "Help me analyze the economics of acquiring a competitor" "What are the economic trends affecting my industry?" "Should I reinvest capital in operations or reduce debt?"
Examples of inappropriate use (we will decline these requests):
"Should I buy Tesla stock?" "How should I allocate my retirement portfolio?" "Which mutual funds should I invest in?" "What stocks will perform well this year?"
For personalized investment advice, you MUST consult:
Do not rely on this Service for investment decisions regarding securities, retirement accounts, or personal investment portfolios.
We do NOT have a fiduciary duty to you with respect to investment or securities decisions. We are NOT responsible for:
Any discussion of investments, securities, or financial markets is provided solely for educational purposes and general understanding of economic principles. Such content:
The AI Business Advisor is programmed to decline requests for specific securities recommendations. If you attempt to obtain securities advice through the Service, you will be redirected to appropriate licensed professionals.
The Service provides strategic business guidance and educational information based on economics principles. We do NOT guarantee:
Results vary based on numerous factors outside our control, including market conditions, execution, competition, and economic changes.
You are solely responsible for:
The Service does NOT constitute:
While the Service may discuss topics that touch on these areas from an economics perspective, you must consult licensed professionals for specific guidance in these fields.
The Service uses artificial intelligence technology, which has inherent limitations:
You should:
All content provided through the Service is owned by Econblox, including:
Your License: You receive a limited, non-exclusive, non-transferable license to access this content during your active subscription for your personal business use only.
You may NOT:
You retain ownership of:
License to Us: You grant us a limited license to use your inputs to:
We do NOT:
You agree to use the Service only for lawful business purposes and in accordance with these Terms.
You agree NOT to:
You agree NOT to upload or submit:
Violation of these restrictions may result in:
READ THIS SECTION CAREFULLY - IT LIMITS OUR LIABILITY
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
WE DO NOT WARRANT OR GUARANTEE THAT:
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
ECONBLOX SHALL NOT BE LIABLE FOR ANY:
EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM OR RELATED TO THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE SERVICE IN THE 12 MONTHS PRECEDING THE CLAIM.
Some jurisdictions do not allow the limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.
You acknowledge that the limitations in this section are a fundamental element of the basis of the bargain between you and Econblox, and that we would not provide the Service without these limitations.
You agree to indemnify, defend, and hold harmless Econblox, Toteflix Inc., and our officers, directors, employees, contractors, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from:
Your use of the Service is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.
Key points:
Full Privacy Policy: https://www.econblox.com/privacy-policy
By using the Service, you consent to our data practices as described in the Privacy Policy.
We reserve the right to modify these Terms at any time.
Material changes will be communicated via:
Minor changes (corrections, clarifications) will be posted with an updated "Effective Date."
Continued use of the Service after changes become effective constitutes acceptance of the modified Terms. If you do not agree to changes, you must cancel your subscription before the changes take effect.
Before filing any formal dispute, you agree to contact us at support@econblox.com to attempt to resolve the issue informally. We will make good faith efforts to resolve disputes within 30 days of receiving your notice.
These Terms shall be governed by and construed in accordance with the federal laws of Canada and, where applicable, the laws of the Province of British Columbia, without regard to conflict of law provisions.
Subject to the arbitration provisions in Section 14.4, any disputes arising from these Terms or the Service shall be resolved in the courts of the Province of British Columbia. You consent to the exclusive jurisdiction of such courts.
READ THIS SECTION CAREFULLY - IT AFFECTS YOUR LEGAL RIGHTS
14.4.1 Agreement to Arbitrate
You and Econblox agree to resolve any disputes arising from or relating to these Terms or the Service through binding arbitration, rather than in court, except as provided below.
Arbitration Rules and Location:
- For users residing in Canada: Arbitration will be conducted by the British Columbia International Commercial Arbitration Centre (BCICAC) under its Domestic Commercial Arbitration Rules in Vancouver, British Columbia, Canada.
- For users residing in the United States: Arbitration will be conducted by the American Arbitration Association (AAA) under its Commercial Arbitration Rules and Supplementary Procedures for Consumer-Related Disputes in Bellingham, Washington, USA, or another mutually agreed location.
- For users residing elsewhere: Arbitration will be conducted by BCICAC in Vancouver, British Columbia, Canada, or another mutually agreed location.
If the designated arbitration provider is unavailable, the parties will select an alternative arbitral forum.*
Arbitrator's Decision: The arbitrator's decision will be final and binding, and judgment may be entered in any court of competent jurisdiction.
14.4.2 Exceptions to Arbitration
Either party may:
- Bring a claim in small claims court in the appropriate jurisdiction if it qualifies
- Seek injunctive relief in court for intellectual property violations or unauthorized use of the Service
14.4.3 Class Action Waiver
YOU AGREE TO BRING CLAIMS ONLY IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, REPRESENTATIVE, OR COLLECTIVE ACTION. Unless both you and Econblox agree otherwise, the arbitrator may not consolidate your claim with another person's claim and may not preside over any form of representative or class proceeding.
14.4.4 Opt-Out Right
You may opt out of this arbitration agreement within 30 days of first accepting these Terms by sending written notice to support@econblox.com with the subject line "Arbitration Opt-Out" and including your name and email address. If you opt out, this arbitration provision will not apply to you, but all other Terms will remain in effect.
14.4.5 Costs and Fees
Attorney's Fees: Each party will be responsible for paying their own attorney's fees, except as provided below or as awarded by the arbitrator.
Arbitration Fees:
For Claims Under $10,000: If your claim is for less than $10,000 (USD or CAD as applicable), Econblox will pay all arbitration filing fees and arbitrator compensation fees. You will be responsible for your own attorney's fees and any other costs you incur.
For Claims Over $10,000: For claims of $10,000 or more, arbitration fees will be allocated in accordance with the arbitration provider's rules.
Frivolous or Bad Faith Claims: If the arbitrator determines that your claim was frivolous, filed in bad faith, or primarily for harassment purposes, you agree to reimburse Econblox for:
- All arbitration filing and arbitrator fees paid on your behalf
- Reasonable attorney's fees and costs incurred in defending the claim
- Any other expenses and costs related to the arbitration
The arbitrator has the authority to award costs and fees to the prevailing party as permitted by applicable law and the arbitration provider's rules.
Cost Reimbursement for Successful Claims: If you prevail in arbitration and the arbitrator determines that Econblox's defense was frivolous or in bad faith, Econblox will reimburse you for your reasonable attorney's fees and costs.
14.4.6 Severability
If any part of this arbitration provision is found to be unenforceable, the remainder will continue in effect. If the class action waiver is found to be unenforceable, the entire arbitration provision shall be null and void.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Econblox regarding the Service and supersede all prior agreements and understandings.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign these Terms without restriction.
These Terms do not create any third-party beneficiary rights.
We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, war, terrorism, pandemics, government actions, natural disasters, or internet/telecommunications failures.
Provisions that by their nature should survive termination shall survive, including: Sections 6, 7, 8, 10, 11, 14, and 15.
For questions about these Terms or to cancel your subscription:
Email: support@econblox.com
Business Name: Econblox (division of Toteflix Inc.)
For cancellations: Email support@econblox.com with "Cancellation Request" in subject line
For general questions: Email support@econblox.com with "Terms of Service Question" in subject line
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