Terms & Conditions

1. Who we are

Horrible Brands Ltd, Company No. NI712158, VAT No. 463 6633 75, Northern Ireland.
Contact: hello@horriblebrands.com

References to "we", "us", "our" mean Horrible Brands Ltd. "You" means the individual or business purchasing or using the service.

2. The service

The AI-Driven 90-Day Plan is a digital product that uses AI to generate a personalised 90-day action plan based on your answers to our onboarding questions. It is intended as a business-planning aid, not professional financial, legal, or psychological advice.

The service is provided on a best-efforts basis. We do not guarantee specific business outcomes.

3. Accounts and eligibility

• You must be at least 18 years old and able to enter a binding contract.
• You are responsible for keeping your login details secure.
• One account per person. You may not share or resell access.

4. Payment and refunds

• Quarterly plan (£90) — a one-off payment for one 90-day plan plus up to 2 regenerations within the quarter.
• Yearly plan (£197/year) — an annual subscription for up to 4 plans (one per quarter), each with up to 2 regenerations. Renews automatically; you may cancel at any time and retain access until the end of the billing period.
• All prices include VAT where applicable.
• We offer a 14-day cooling-off period from purchase, provided you have not yet completed the onboarding questions and received a generated plan. Once a plan has been generated, the right to cancel under the Consumer Contracts Regulations 2013 is waived as the digital content has been delivered.
• Refunds outside this window are at our discretion. Contact hello@horriblebrands.com.

5. Voice recording feature

The service offers an optional voice recording feature on question pages. Before using it for the first time you will be asked to explicitly consent to your audio being processed by OpenAI's Whisper API. Key points:

• Your audio is sent to OpenAI solely for transcription. We do not store audio recordings.
• The text transcript is stored as part of your question answers.
• You may decline to use voice recording at any time and type your answers instead.
• See our Privacy Policy — Voice transcription section for full details.

6. Intellectual property

• The BrandFreak™ framework, 90-day methodology, and all product copy are proprietary to Horrible Brands Ltd.
• Your generated plan is yours to use for your own business purposes. You may not resell or sublicense it.
• Content you submit (your question answers) remains yours. You grant us a limited licence to use it solely to deliver the service (plan generation, weekly reminders, dashboard).

7. Data processing and sub-processors

By using the service you agree that we may share your data with the following sub-processors as necessary to deliver it:

• Anthropic, PBC — your question answers are sent to Claude (Anthropic's AI) to generate your plan.
• OpenAI, L.L.C. — if you use voice recording, your audio is sent to OpenAI's Whisper API for transcription only (see section 5).
• Neon, Inc. — database hosting.
• Stripe, Inc. — payment processing.
• Resend, Inc. — transactional email.

Full details in our Privacy Policy.

8. Limitation of liability

To the fullest extent permitted by law, Horrible Brands Ltd's total liability to you for any claim arising from use of the service is limited to the amount you paid in the 12 months preceding the claim.

We are not liable for indirect or consequential losses, loss of profit, or loss of data caused by events outside our reasonable control.

9. Governing law

These Terms are governed by the laws of Northern Ireland. Any disputes shall be subject to the exclusive jurisdiction of the courts of Northern Ireland.

10. Changes to these Terms

We will give you at least 30 days' notice by email before making material changes. Continued use of the service after that period constitutes acceptance.