Terms of Service

This summary is for convenience only and is not part of the contract:

• We are not a law firm and do not provide legal advice. The Service is software that helps you organize documents and information.
• You are responsible for the accuracy of every piece of data you submit to, or export from, the Service — especially bankruptcy schedules and documents you file with any court.
• Bank transactions pulled via Plaid may be incomplete, miscategorized, or delayed. We do not guarantee completeness or accuracy.
• AI output is informational only. Review and verify every AI-generated finding before relying on it or filing anything with a court.
• Disputes are resolved by individual arbitration. You waive the right to a jury trial and to participate in class actions.

“Account” means the individual account you register to access the Service. “Attorney User” means a licensed attorney using the Service to organize client bankruptcy matters. “Debtor User” means a natural person using the Service to organize personal bankruptcy information either pro se (without counsel) or at the invitation of their attorney. “Content” means any information, files, documents, financial data, communications, transaction records, or other materials you submit to or generate through the Service. “Bundle” means the organized statement package generated by the Service from connected-account data. “AI Output” means any content produced by the Service using machine learning, language models, or other automated analysis.

BANKRUPTPRO IS NOT A LAW FIRM. WE DO NOT PROVIDE LEGAL ADVICE, LEGAL OPINIONS, RECOMMENDATIONS, REFERRALS, OR COUNSELING ABOUT LEGAL RIGHTS, REMEDIES, DEFENSES, OPTIONS, SELECTION OF FORMS, OR LEGAL STRATEGIES.

The Service is a self-help technology platform that helps users organize documents and information relevant to a bankruptcy case. No employee, contractor, or automated system of BankruptPro selects legal forms, gives advice about which chapter to file, advises on exemptions, interprets a statute, applies law to your facts, or tells you what to do.

Use of the Service does not create an attorney-client relationship between you and BankruptPro. If you need legal advice, consult a licensed attorney admitted in the applicable jurisdiction. Communications with BankruptPro support staff are not privileged.

Any templates, checklists, FAQs, sample letters, or other informational content made available through the Service are general information only. They are not tailored to your facts, may be out of date, may conflict with local rules, and are not a substitute for professional judgment.

BankruptPro is not a “bankruptcy petition preparer” within the meaning of 11 U.S.C. § 110 and does not prepare any document for filing on behalf of a debtor. The Service provides technology tools that the user operates; the user alone chooses what information to input, what documents to generate, which outputs to rely on, and what to file.

Debtor Users proceeding without counsel (“pro se”) are responsible for their own filings, their own forms, their own schedules, and their own compliance with the Federal Rules of Bankruptcy Procedure and local rules. BankruptPro does not sign, file, serve, or notarize any document on your behalf.

You must be at least 18 years old, a resident of the United States, and able to form a binding contract to use the Service. You agree to provide accurate, current, and complete information at registration, to keep that information up to date, and to keep your credentials confidential. You are responsible for every act taken under your Account, whether or not you authorized it. Notify us immediately at support@bankruptpro.com of any suspected unauthorized access.

We may require email verification, multi-factor authentication, or identity confirmation at any time. We may refuse to open or may close any Account at our discretion, subject to applicable law.

If you are a Debtor User proceeding pro se, you acknowledge and agree:

• Bankruptcy schedules and the Statement of Financial Affairs are signed under penalty of perjury. Inaccurate, incomplete, or misleading disclosures may result in denial of discharge under 11 U.S.C. § 727, non-dischargeability under 11 U.S.C. § 523, revocation of discharge, sanctions, dismissal, and criminal exposure under 18 U.S.C. §§ 152, 157, and 3571. You are solely responsible for verifying every disclosure before filing.
• The Bundle is an organizational aid, not a bankruptcy schedule, not the Statement of Financial Affairs, not a means test form, and not a substitute for the official forms. Format and content acceptance is governed by the local court, trustee, and United States Trustee, all of whom may require revisions or additional disclosures.
• BankruptPro strongly encourages consultation with a licensed bankruptcy attorney. Most districts have panel-attorney lawyer referral programs; many bar associations provide free initial consultations; and legal-aid organizations may assist low-income filers at no cost.
• You are responsible for PACER filings, filing fees, local rules, creditor matrix formatting, credit counseling and debtor education certificates, and every other procedural requirement.

By registering as an Attorney User, you represent and warrant that:

• You are an attorney admitted to practice and in good standing in every jurisdiction in which you use the Service or practice law.
• You are solely responsible for every attorney-client relationship you create with your clients, including client intake, conflicts checks, engagement letters, fee agreements, trust accounting, advice, case strategy, and all filings.
• BankruptPro is your technology vendor and a confidential service provider. BankruptPro is not co-counsel, not a law firm, not a lawyer, and does not practice law. BankruptPro does not assume any fiduciary duty to you or to your clients.
• You will comply with the American Bar Association Model Rules of Professional Conduct and the analogous rules adopted by your jurisdiction(s), including competence (Rule 1.1, including technology competence), confidentiality (Rule 1.6, including informed client consent where required for cloud or AI-assisted services), supervision of non-lawyer assistance including AI (Rule 5.3 and ABA Formal Op. 512 (July 2024)), and candor to the tribunal (Rule 3.3).
• You will obtain any client authorization required before connecting client accounts, uploading client documents, or transmitting client data through the Service.
• You will independently review every AI Output before relying on it, filing anything based on it, or advising a client based on it. You are the attorney of record and bear professional responsibility for everything that leaves your firm.
• You accept that attorney-client privilege and work-product protections are your responsibility to preserve. BankruptPro’s role as a confidential service provider does not, standing alone, waive privilege under the majority rule, but waiver turns on the facts of your engagement; BankruptPro makes no warranty regarding privilege.

The Service uses Plaid Inc. (“Plaid”) to connect to financial institutions and retrieve transaction, balance, account, and identity information. By connecting an account, you expressly consent to:

• Categories of data: account and routing numbers (tokenized by Plaid), account holder names and addresses, account types, current and available balances, transaction history (typically the last 24 months), transaction descriptions, counterparty names, and related financial metadata.
• Purposes: generating Bundles, producing AI Output, displaying transaction summaries to you and (for Debtor Users) to your invited attorney, operating and securing the Service, and complying with legal obligations.
• Plaid as processor. Plaid processes your data under its own End User Privacy Policy and Terms. You direct us to share your data with Plaid and to receive data from Plaid.
• Data accuracy. Plaid’s data may be incomplete, delayed, or miscategorized. Pending transactions, closed accounts, joint-account holder details, and certain institutions may not be available. You are responsible for verifying every transaction against the corresponding bank statement before relying on it.
• Revocation. You may disconnect any linked account at any time from your Account settings. Upon disconnection, we will stop polling new data and, consistent with Section 18 and our Privacy Policy, begin the deletion or retention workflow described there. Some derived records (e.g., a previously generated Bundle) may be retained as permitted by law.
• Consumer Financial Protection Bureau Section 1033. To the extent the Service is an “authorized third party” for covered data under 12 C.F.R. Part 1033, we will comply with applicable reauthorization, scope, and retention requirements.

AI OUTPUT IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY, IS NOT LEGAL ADVICE, FINANCIAL ADVICE, TAX ADVICE, OR A SUBSTITUTE FOR PROFESSIONAL JUDGMENT, AND MAY BE INCORRECT, INCOMPLETE, BIASED, OUT OF DATE, OR FABRICATED (COMMONLY KNOWN AS AI “HALLUCINATION”).

The Service may use third-party large language models and other machine learning systems to parse bank transactions, generate analysis, suggest categorizations, or draft text. You acknowledge:

• AI Output may miss transactions, misidentify insiders or affiliates, fail to detect preference payments, propose incorrect exemptions, or draft text that does not reflect the law of your jurisdiction.
• The attorney of record (for represented matters) or the pro se debtor (for self-filed matters) is solely responsible for reviewing, verifying, and correcting AI Output before filing any document with any court or relying on it for any legal purpose.
• Some AI features transmit your Content to third-party model providers, currently including xAI (Grok models) and Fireworks AI (open-model inference — see trust.fireworks.ai for their current SOC 2 Type II, HIPAA, and privacy posture). Each AI subprocessor is contractually bound to process your Content only to deliver the requested inference and may not use it to train models. See our Privacy Policy for the current list of AI subprocessors and their security certifications.
• We do not use your personal or account Content to train foundation models. You retain ownership of your Content; see Section 13.
• We do not warrant that AI Output is free of errors, bias, or omissions. You assume all risk of using AI Output.

The Service ingests, organizes, and transforms data you provide and data retrieved at your direction from third-party sources. You are solely responsible for the accuracy, completeness, legality, and authenticity of all data entered into or exported from the Service, and for all decisions based on that data.

We expressly disclaim any guarantee or warranty that Bundles, AI Output, transaction summaries, or any other Service output is complete, accurate, timely, or suitable for any court, trustee, lender, counterparty, or other third party. You agree to verify all data against authoritative source documents (bank statements, 1099s, paystubs, tax returns, deeds, titles) before making any filing, disclosure, or representation.

Paid features are sold either as consumable case credits (the “Credits”), one-time purchases, or recurring subscriptions. Pricing is displayed at the point of purchase and is stated in U.S. dollars unless otherwise indicated. Payments are processed by Polar.sh (“Polar”) under Polar’s Terms. You authorize Polar to charge the payment method you provide for all fees due, including applicable taxes.

Credits are consumed when you initiate the underlying action (e.g., generating a Bundle or running an AI analysis) and are not refundable once consumed. Unused Credits expire 24 months after purchase unless prohibited by law. Credits are non-transferable and have no cash value except as required by applicable law.

Subscriptions renew automatically at the then-current rate for successive periods until canceled. Cancel at any time through your billing portal; cancellation takes effect at the end of the current paid period. You will not receive a prorated refund for partial periods.

Refunds. Except where required by applicable consumer-protection law or as we may offer in our discretion, all sales are final. We may, at our discretion, refund a charge made in error, a duplicate charge, or a charge for a feature that failed to deliver due to a defect we cannot remedy.

Taxes. You are responsible for any sales, use, VAT, GST, or similar taxes. Where we are required to collect them, they will be added at checkout.

You will not, and will not enable anyone else to:

• Use the Service in violation of any law, including the U.S. Bankruptcy Code, state bar UPL rules, securities laws, or export controls.
• Submit any document, transaction, financial record, identifier, or Content that you do not have the legal right to submit, including anyone else’s financial data without their express written consent.
• Misrepresent your identity, your jurisdiction of residence, your bar admission status, or your relationship to a client or debtor.
• Use the Service to file false, frivolous, or bad-faith bankruptcy petitions, schedules, or disclosures; to conceal assets; to defraud creditors; or to commit any offense under 18 U.S.C. §§ 152, 157, 1341, or 1343.
• Circumvent geographic restrictions, access controls, rate limits, or authentication mechanisms.
• Reverse engineer, decompile, disassemble, scrape, data-mine, train any model on, or extract the underlying code, data, or prompts of the Service, except to the extent that restriction is prohibited by applicable law.
• Resell, sublicense, rent, lease, or otherwise commercially exploit the Service outside the rights expressly granted in these Terms.
• Introduce malware, run denial-of-service attacks, probe, scan, or test the vulnerability of the Service without our prior written consent.
• Use any portion of the Service’s output to train any competing model or to build a competing product.

The Service, including its software, design, templates, form libraries, AI prompts, logos, marks, and all improvements and derivative works, is owned by BankruptPro and its licensors and is protected by U.S. and international copyright, trademark, trade secret, and other intellectual-property laws. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your own lawful, internal use. All rights not expressly granted are reserved.

“BankruptPro,” the BankruptPro logo, and related names, marks, and slogans are trademarks of AI Visionary Group LLC. You may not use them without our prior written consent.

As between you and BankruptPro, you own your Content. By submitting Content to the Service, you grant BankruptPro a worldwide, royalty-free, non-exclusive license to host, store, process, transmit, display, analyze, reformat, and transform your Content solely to operate, secure, and improve the Service for you; to provide AI Output; to share Content with the parties you direct us to share it with (e.g., your invited attorney, your client, or a carrier that mails a letter for you); and to comply with legal obligations. This license ends when you delete the Content or close your Account, except for (i) backup copies retained consistent with our Privacy Policy and (ii) de-identified or aggregated data that cannot reasonably be tied back to you.

We do not train foundation models on your Content. Where AI features transmit your Content to third-party model providers, they are instructed by contract not to train on your Content.

You represent and warrant that (i) you have the right to submit the Content; (ii) the Content does not infringe any third-party right; and (iii) the Content is accurate and lawful.

We treat your Content as confidential and will not disclose it except (a) to you, (b) to parties you direct us to share it with (your paired attorney or client, your chosen mail carrier, your selected bureau), (c) to our subprocessors acting on our behalf subject to confidentiality obligations, (d) as required by law or valid legal process, or (e) as described in our Privacy Policy.

For Attorney Users, BankruptPro acts as a confidential service provider. Nothing in these Terms is intended to waive attorney-client privilege or work-product protection. The question of waiver ultimately depends on the facts; BankruptPro makes no warranty about privilege and you should consult counsel about your jurisdiction’s rules.

The Service integrates with third-party services including Plaid (bank connections), Polar (payments), Resend (transactional email), xAI and Fireworks AI (AI inference), Google Analytics 4 (aggregate usage analytics, configured with advertising signals disabled and Global Privacy Control honored — see Privacy Policy Section 18), and cloud-hosting providers. Your use of those services is governed by those providers’ own terms and privacy policies. We are not responsible for third-party services, their availability, their accuracy, or their fees. A current list of subprocessors — along with their security certifications, where available — is maintained in our Privacy Policy and updated from time to time.

You may close your Account at any time by contacting support@bankruptpro.com or using the self-service option (where available). We may suspend or terminate your Account or access, in whole or in part, at any time and without prior notice if (a) you breach these Terms, (b) your use poses a security, legal, or reputational risk, (c) a payment fails, (d) you fail a required re-verification, or (e) we are required to do so by law.

On termination, your license to use the Service ends, we may delete your Content consistent with our retention policy (see Privacy Policy), and the following Sections survive: 8 (AI Disclaimers), 9 (Accuracy), 12 (IP), 13 (Your Content; License), 14 (Confidentiality), 17 (Disclaimer), 18 (Indemnification), 19 (Limitation), 20 (Arbitration), 21 (Class Waiver), 22 (Governing Law), 24 (Changes), 25 (Miscellaneous), and 26 (Contact).

THE SERVICE, INCLUDING ALL CONTENT, AI OUTPUT, BUNDLES, TRANSACTION DATA, FORMS, AND TEMPLATES, IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, SECURITY, OR UNINTERRUPTED OR ERROR-FREE OPERATION.

WE DO NOT WARRANT THAT THE SERVICE WILL MEET YOUR REQUIREMENTS, THAT DEFECTS WILL BE CORRECTED, THAT AI OUTPUT IS ACCURATE, THAT BANK DATA IS COMPLETE, OR THAT BUNDLES WILL BE ACCEPTED BY ANY COURT OR TRUSTEE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES; IN THOSE JURISDICTIONS, THE EXCLUSIONS IN THIS SECTION APPLY TO THE MAXIMUM EXTENT PERMITTED BY LAW.

You will defend, indemnify, and hold harmless BankruptPro, AI Visionary Group LLC, and their officers, directors, members, employees, contractors, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use or misuse of the Service; (b) your Content; (c) your breach of these Terms; (d) your violation of any law or third-party right, including any intellectual-property, privacy, or publicity right; (e) any filing you make or cause to be made, including any false or inaccurate representation in a bankruptcy schedule; and (f) for Attorney Users, any claim by your client or a third party arising out of your representation or your use of the Service in connection with your representation.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL BANKRUPTPRO, AI VISIONARY GROUP LLC, OR THEIR LICENSORS, SUPPLIERS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR ENHANCED DAMAGES, OR FOR ANY LOSS OF PROFITS, LOSS OF BUSINESS, LOSS OF DATA, LOSS OF GOODWILL, OR COST OF SUBSTITUTE GOODS OR SERVICES, ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT WILL OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO US FOR THE SERVICE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS ($100).

Carve-outs. The limitations above do not apply to (i) your payment obligations to us or (ii) your indemnification obligations under Section 18.

Some jurisdictions do not allow the exclusion or limitation of certain damages; in those jurisdictions, our liability is limited to the maximum extent permitted by law.

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU TO RESOLVE DISPUTES BY INDIVIDUAL BINDING ARBITRATION AND LIMITS THE WAY YOU CAN SEEK RELIEF FROM US.

Informal resolution. Before filing a demand for arbitration, you will first contact us at legal@bankruptpro.com with a detailed description of your dispute and the relief you seek. We will try to resolve the dispute in good faith for at least sixty (60) days.

Binding arbitration. If the dispute is not resolved informally, you and BankruptPro agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service (each a “Dispute”) will be resolved by final and binding individual arbitration administered by the American Arbitration Association (“AAA”) under the AAA Consumer Arbitration Rules (for consumer disputes) or the AAA Commercial Arbitration Rules (for disputes involving Attorney Users or organizations). The Federal Arbitration Act, 9 U.S.C. §§ 1 et seq., governs the interpretation and enforcement of this arbitration agreement.

Arbitrator authority. The arbitrator has exclusive authority to resolve any Dispute, including any claim that all or part of this arbitration agreement is unenforceable. The arbitrator may award any relief a court could award to you individually but may not award relief on behalf of a class, collective, or representative group.

Seat and procedure. Arbitration will be seated in Cheyenne, Wyoming, or in the U.S. county where you reside, at your election. For claims of $25,000 or less, arbitration may be conducted by telephone, videoconference, or on documents only unless the arbitrator orders otherwise. For larger claims, the arbitrator will determine the procedure.

Fees. Each party will pay its own attorneys’ fees and costs unless the arbitrator awards otherwise under applicable law or the AAA rules. Where required by the AAA Consumer Arbitration Rules, we will pay the filing, administrative, and arbitrator fees beyond the amount you would have paid to file in court.

Small claims. Notwithstanding the foregoing, either party may bring an individual action in small-claims court in the party’s county of residence if the claim is within that court’s jurisdiction.

Mass-arbitration protocol. If twenty-five (25) or more similar demands are filed against BankruptPro by or with the assistance of the same law firm or coordinating entity within a 60-day period, the parties will select a representative sample of cases to proceed first; the rest will be stayed and tolled pending the representative outcomes. The parties will work with the AAA to administer the process.

30-day opt-out. You may opt out of this arbitration agreement by sending a written notice of opt-out to legal@bankruptpro.com within thirty (30) days of first accepting these Terms. The notice must include your full name, the email on your Account, and a clear statement that you wish to opt out. If you opt out, Sections 20 and 21 do not apply to you, but all other provisions of these Terms remain in effect.

YOU AND BANKRUPTPRO AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION. UNLESS BOTH YOU AND BANKRUPTPRO AGREE OTHERWISE, NEITHER AN ARBITRATOR NOR A COURT MAY CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS OR OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING.

YOU AND BANKRUPTPRO ALSO WAIVE ANY RIGHT TO A TRIAL BY JURY FOR ANY DISPUTE BROUGHT IN COURT AS PERMITTED BY SECTION 22.

These Terms and any non-arbitrable Dispute are governed by the laws of the State of Wyoming, without regard to its conflict-of-laws principles, except that the Federal Arbitration Act governs Section 22. For any Dispute not subject to arbitration, the exclusive venue is the state and federal courts located in Laramie County, Wyoming, and you and BankruptPro consent to personal jurisdiction there. Nothing in this Section limits federal statutory consumer-protection rights that apply in your jurisdiction regardless of this choice of law.

We respect intellectual-property rights. If you believe that material on the Service infringes your copyright, send a notice under the Digital Millennium Copyright Act, 17 U.S.C. § 512, to our designated agent:

DMCA Agent — AI Visionary Group LLC
1621 Central Ave #54164, Cheyenne, WY 82001, USA
Email: legal@bankruptpro.com
Your notice must include the elements required by 17 U.S.C. § 512(c)(3). We may remove, or disable access to, allegedly infringing material in response to a proper notice; we may also terminate repeat infringers.

We may update these Terms from time to time. For material changes, we will provide at least thirty (30) days’ advance notice by email, in-product banner, or both, and the new version will take effect on the stated effective date. If you do not agree to the updated Terms, you must stop using the Service before the effective date. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms. Minor, non-substantive changes may take effect immediately.

Entire agreement. These Terms, the Privacy Policy, and any order form incorporated by reference are the entire agreement between you and BankruptPro regarding the Service and supersede all prior or contemporaneous communications and proposals, whether oral or written.

Severability. If any provision is held invalid or unenforceable, the remaining provisions remain in effect, and the invalid provision will be reformed to reflect the parties’ intent as closely as possible while being enforceable.

No waiver. Our failure to enforce any right is not a waiver of that right.

Assignment. You may not assign or transfer these Terms or any rights or obligations under them without our prior written consent. We may assign these Terms without restriction, including in connection with a merger, acquisition, reorganization, or sale of all or substantially all of our assets.

Notices. We may give you notice by email to your Account email, by in-product message, or by posting on the Service. You must give us notice by email to legal@bankruptpro.com (for legal notices) or support@bankruptpro.com (for other notices), with copy to AI Visionary Group LLC, 1621 Central Ave #54164, Cheyenne, WY 82001.

Force majeure. Neither party is liable for any failure or delay caused by events outside its reasonable control, including natural disasters, war, terrorism, civil unrest, internet outages, acts of government, pandemics, labor disputes, or failures of third-party services.

Electronic signatures; E-SIGN consent. You consent to receive communications, notices, agreements, and disclosures in electronic form and to sign documents electronically. Your electronic acceptance of these Terms has the same effect as a handwritten signature.

U.S. export and sanctions. You represent that you are not located in a country subject to U.S. embargo and are not on any U.S. Government restricted-parties list.

Relationship. The parties are independent contractors. Nothing in these Terms creates an agency, partnership, joint venture, or employment relationship.

Headings. Section headings are for convenience only and do not affect interpretation.

AI Visionary Group LLC
dba BankruptPro
1621 Central Ave #54164
Cheyenne, WY 82001, USA
General: support@bankruptpro.com
Legal: legal@bankruptpro.com
Privacy: privacy@bankruptpro.com