Acceptance of Terms

By accessing or using the website located at pilottopayoff.com, you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use our website. Pilot to Payoff is a Minnesota limited liability company with its principal office in Rochester, Minnesota.

Website and Consulting Engagements

These terms govern your use of pilottopayoff.com, including all content, tools, and digital products available through the site. If you engage Pilot to Payoff for consulting services, those services are governed by a separate engagement agreement, not these terms.

Services Available Through the Website

Our website provides informational content about our consulting services, interactive assessment tools, and digital products available for purchase. Interactive tools include the AI Security Self-Test and the Decision Architecture Profile. Digital products available for purchase are described on the relevant product pages. Service descriptions and pricing are subject to change.

Interactive Tools and Assessment Disclaimer

Our assessment tools provide educational and informational evaluations based on your responses. Results are generated based on your inputs and are intended to support your understanding of your organization's current state. Assessment results and reports:

(a) do not constitute legal, regulatory, security, compliance, financial, or professional advice;

(b) should not be the sole basis for employment, investment, vendor selection, compliance, or other consequential decisions as defined under applicable law;

We make no guarantees regarding the completeness, accuracy, or applicability of assessment results to your specific circumstances. You are solely responsible for how you interpret and act on the information provided.

Payments and Refunds

All purchases are processed through Stripe in US dollars. Prices are listed on the relevant product pages and are subject to change. Refund requests may be submitted within 7 days of the date of purchase to hello@pilottopayoff.com. All purchases are final after the 7-day refund request window.

Reassessments

Reassessment availability, terms, and pricing are described on the relevant product page. Any reassessment included with your purchase is subject to the terms stated at the time of your original purchase. Reassessment results reflect the state of your organization at the time of the new assessment and may differ from your original results.

Intellectual Property

All content on this website — including text, graphics, frameworks, assessment methodology, scoring systems, and software — is the property of Pilot to Payoff and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without written permission. You may not reverse-engineer, decompile, or attempt to derive the scoring methodology or assessment algorithms used on this website.

Prohibited Conduct

You agree not to:

(a) scrape, crawl, or systematically extract content from the site;

(b) attempt to reverse engineer assessment scoring or methodology;

(d) use the site or its outputs to develop competing products or services;

(e) submit false or misleading information;

(f) interfere with or disrupt the site's operation;

(g) use automated tools to access the site except as expressly permitted.

Third-Party Services

The site may contain links to or integrations with third-party services. We are not responsible for the content, privacy practices, or policies of any third-party sites or services. Your interactions with third-party services are governed by their own terms and policies.

Disclaimers and Limitation of Liability

Our website, tools, and digital products are provided on an "as is" and "as available" basis. We disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

Our total liability for any claim arising from your use of our website or digital products will not exceed the amount you paid for the specific product giving rise to the claim, or one hundred dollars ($100) for claims arising from the use of free tools and services, whichever is applicable. In no event will we be liable for any indirect, incidental, consequential, special, or punitive damages, whether based in contract, tort, negligence, strict liability, or otherwise, even if we have been advised of the possibility of such damages.

Indemnification

You agree to indemnify and hold harmless Pilot to Payoff, its officers, and its agents from any claims, damages, losses, or expenses — including reasonable attorneys' fees — arising from your misuse of assessment results, your violation of these terms, your infringement of any third-party rights, or any decisions made based on assessment outputs obtained through our website.

Governing Law and Dispute Resolution

These terms are governed by the laws of the State of Minnesota, without regard to its conflict of laws provisions. Any dispute arising from these terms or your use of the site will be resolved by binding arbitration in Rochester, Minnesota, conducted under the Consumer Arbitration Rules of the American Arbitration Association. For disputes involving amounts less than $10,000, the arbitration will be conducted on the basis of written submissions unless either party requests a hearing. This arbitration agreement does not prevent either party from seeking injunctive or other equitable relief in a court of competent jurisdiction.

You waive any right to a jury trial in connection with any dispute arising from these terms. You agree that any dispute resolution proceeding will be conducted on an individual basis and not as part of a class, consolidated, or representative action.

Termination

We may restrict or terminate your access to the site at our discretion for violation of these terms. Upon termination, your right to use the site ceases immediately. Sections that by their nature should survive termination — including Intellectual Property, Disclaimers and Limitation of Liability, Indemnification, Governing Law and Dispute Resolution, and General Provisions — will survive.

General Provisions

Severability. If any provision of these terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect.

Entire Agreement. These terms constitute the entire agreement between you and Pilot to Payoff regarding your use of this website. Consulting engagements are governed by separate agreements.

Waiver. Our failure to enforce any provision of these terms does not constitute a waiver of our right to enforce that provision or any other provision in the future.

Assignment. We may assign our rights and obligations under these terms at our discretion. You may not assign your rights or obligations without our prior written consent.

Force Majeure. We are not liable for any delay or failure to perform resulting from causes beyond our reasonable control, including server outages, natural disasters, or government actions.

Changes to Terms

We may modify these terms at any time. Changes will take effect when posted on this page with a revised "Last updated" date. Your continued use of the site after changes are posted constitutes your acceptance of the revised terms.

Contact

Questions about these terms may be directed to hello@pilottopayoff.com.