The Builder Desk will be run by IdeaHub Digital. The company is not registered yet, so this page is here to be read and checked rather than relied on, and one detail below is still a placeholder: the county named for legal venue is an assumption, not a decision.
While that is true, the app is being used by a small founding group at no charge and no payment is being taken from anybody. When the company is registered this page will be completed with its registered details, dated, and take effect from that date — and everyone using the app then will be told, rather than finding out by re-reading it.
Plain language first, then the full terms. If the two disagree, the full terms govern.
These terms are between you and IdeaHub Digital (“we”, “us”), and cover your use of The Builder Desk on the web and in the iOS and Android apps. By creating an account you accept them. If you do not accept them, do not use the service.
The Builder Desk is independent software for organizing your own activity: a list of people to follow up with, sprints, goals, team structure, and drafting help. It is not affiliated with, sponsored by, endorsed by, or connected to World Financial Group, Transamerica, World System Builder, or any other financial services firm, broker-dealer, or insurance carrier.
We are not a broker-dealer, an investment adviser, an insurance agency, or a law or accounting firm. Nothing here is financial, legal, tax, or compliance advice.
You are a licensed professional. Your firm, your broker-dealer, and your regulators impose rules on you that we neither know nor enforce. In particular:
Where your firm’s rules conflict with what this app makes convenient, follow your firm.
You must be 18 or older. One account per person; accounts are not shared or transferred. Keep your password to yourself and tell us promptly if you think someone else has it. You are responsible for what happens under your account.
When you add a prospect, a client, or a team member, you are asking us to hold that person’s information for you. You confirm that you have a lawful basis to do so, that you will honor requests those people make to you about their information, and that you will not upload information you are not permitted to hold. You are responsible for claims arising from information you chose to put here.
How that information is protected, and exactly what your upline can and cannot see, is set out in the Privacy Policy, which forms part of these terms.
Your data stays yours. You grant us only the permission needed to store it, display it back to you, process it to run the features you use, and share it within your team according to the visibility rules. That permission ends when you delete the data or the account.
The software, design, and the methods built into it are ours. You may use the service; you may not copy it, resell it, rent it out, or reverse-engineer it.
Any names, marks, or program names belonging to other organizations remain theirs. Their presence in the app does not imply any relationship between them and us.
Figures in the app that come from your own entries are only as good as what you entered. Figures computed from conversion assumptions are estimates, are labeled as such, and are not predictions. Where a team total covers people who do not use The Builder Desk, the app says how many it actually covers.
Nothing in this app is a representation of the income you can expect. Results in this industry depend on effort, market, licensing, and factors none of us control. Most people do not reach the figures used in planning examples.
Do not use The Builder Desk to:
We may suspend an account that does these things, and will tell you why.
Paid plans are billed in advance for the period you choose and renew automatically until cancelled. Cancel any time; access continues to the end of the period you have paid for. Prices may change with at least 30 days’ notice, never mid-period. Fees already paid are not refunded except where the law requires it.
If you subscribe inside the iOS or Android app, that purchase is handled by Apple or Google under their terms, and cancellations and refunds go through them, not through us.
We aim to keep the service running and to warn you about planned maintenance. We do not offer a service-level guarantee at this stage. Features may change, and features that are not being used may be removed with notice.
You may close your account at any time from Settings or by writing to us. We may suspend or close an account for breach of these terms, for non-payment, or if we are required to. If we close your account for anything other than a serious breach, we will give you notice and a reasonable chance to export your data first.
To the fullest extent the law allows, the service is provided “as is” and “as available”, without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted, error-free, or that any figure it displays is accurate or complete.
To the fullest extent the law allows, we are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost business, lost opportunity, or lost data. Our total liability for any claim relating to the service is limited to the amount you paid us in the twelve months before the claim arose, or one hundred United States dollars, whichever is greater.
Some jurisdictions do not allow these limits. Where that is so, they apply to the greatest extent permitted, and nothing here limits liability for fraud, or for anything else that cannot lawfully be limited.
You will defend and indemnify us against claims arising from information you entered, from your use of the service, from your breach of these terms, or from your breach of rules that apply to you as a licensed professional.
These terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. Before filing anything, write to us and give us 30 days to sort it out — most things are a misunderstanding. If that fails, the state and federal courts located in Santa Clara County, California have exclusive jurisdiction, and both of us consent to that.
We may update these terms. For material changes we will notify you in the app and by email at least 30 days before they take effect. Continuing to use the service after that means you accept the new terms; if you do not, cancel before they take effect and we will refund the unused part of your current period.
These terms and the Privacy Policy are the whole agreement between us about the service. If a court finds one part unenforceable, the rest stands. If we do not enforce something immediately, we have not given up the right to. You may not transfer these terms; we may, on notice, to a successor of the business.
IdeaHub Digital
California, United States
ideahubdigital@gmail.com