Terms of use

Draft. Needs a lawyer's review before launch. This plain-language draft describes how Vision AI actually works today. It is not legal advice. Have a Saskatchewan lawyer review it before you take card payments, and fill in the [highlighted] fields.

Last updated: [Date published] · Operated by [Legal name, e.g. "Kelvin Howard, operating as K & K Property Management"], Saskatoon, Saskatchewan, Canada · Contact: [Contact email, e.g. [email protected]]

1. What Vision AI is

Vision AI is an AI life coach and self-improvement app: daily check-ins, goals, money tracking and a budget, music, the Academy (self-paced courses), Study tools, the Balance wellness space, wake-up calls and a TradingView alert inbox. Replies and course content are generated or assisted by AI models and can be wrong, out of date or incomplete.

Vision AI is not professional advice. It is not financial, investment, tax, legal, medical or mental-health advice, and nothing in the app is a recommendation to buy or sell any security. Check important decisions with a qualified professional.

2. Balance is wellness coaching, not therapy

Balance offers self-help tools (thought records, breathing, mood tracking, gratitude and reflections) and short supportive coaching. It is not therapy, counselling or medical care, and Vision AI is not a licensed therapist. It does not diagnose or treat any condition. If you are in crisis or thinking about suicide, call or text 9-8-8 (Suicide Crisis Helpline, Canada, 24/7). If you or someone else is in immediate danger, call 911. When the app detects crisis language it stops coaching and shows these resources. To find a licensed therapist, see the Psychology Today Canada directory.

3. Trading and investing content

Trading courses, charts and TradingView alerts are for education and personal organisation only. Trading is high-risk. Most short-term traders lose money, and leveraged products can lose more than you deposit. Vision AI is not a registered adviser or dealer. Alerts are only relayed from your own TradingView account. Vision AI never places trades and never logs in to your brokerage or TradingView account.

4. Academy certificates

Academy certificates of completion show that you finished a self-paced Vision AI course. They are not accredited, and they are not an academic credential, professional licence or designation from any school, college, university, government or regulator. Video lectures are free public YouTube videos, shown with credit to their creators. Their creators do not endorse Vision AI. AI-generated custom courses are labelled as such and may contain mistakes.

5. Your account

You sign in with Google or with a one-time code sent to your email. Keep access to that email account secure.
You must be at least [16, or the age of majority in your province] to use Vision AI on your own. The Kids Tutor is for use by a parent or guardian with their child.
You can export your data or delete your account at any time in Settings. Deleting cancels any subscription and removes your data as described in the Privacy page.

6. Credits, subscriptions and payments

Prices are in Canadian dollars. Signed-in users get a free daily allowance, which can change. Paid credit packs never expire while your account exists. Credits have no cash value and can't be transferred.
Card payments are processed by Square. Square shows the price, any taxes and the renewal terms before you pay. Vision AI never sees or stores your card number.
Subscriptions: Vision AI Plus (C$20/month) and Vision AI Ultra (C$139/month) are the paid plans (see pricing) — everything else (Coach, Kids Tutor, Academy, Music and Games) is free. Every plan runs on a weekly Vision-token allowance — Free 50M, Plus 500M, Ultra 3B — and paid token top-ups never expire. Ultra also gets the flagship engine on every chat. A subscription renews automatically each month through Square until you cancel. You can turn off auto-renew at any time in Manage billing. You keep your plan until the end of the period you paid for. If a renewal payment fails, Square will email you and we'll tell you in the app.
Interac e-Transfer: send the exact amount with the reference code shown in the app. Payments are checked by hand, and credits are added once the payment is confirmed.
Refunds: [Refund policy, e.g. "Unused credit packs can be refunded within 14 days. Subscriptions can be cancelled at any time and are not refunded for partial months, except where the law requires it."]

7. Wake-up calls and notifications

Wake-up calls are automated phone calls placed through Twilio, only to a number you add, after you tick the consent box, and only on the days and at the time you choose. You can turn them off at any time in the app. Each call uses credits as shown in the app. Carrier charges may apply.

8. Acceptable use

Don't use Vision AI to break the law, harass people, create harmful or sexual images, upload content you don't have the rights to, or overload, scrape or break the service. Music you upload stays on your device and must be music you have the right to play. We may rate-limit or suspend accounts that abuse the service.

9. Liability

The service is provided "as is". To the extent the law allows, [Legal name, e.g. "Kelvin Howard, operating as K & K Property Management"] is not liable for losses that come from relying on AI output, including trading or investment losses. Nothing in these terms limits rights you have under Saskatchewan or Canadian consumer protection law.

10. Changes

We may change features, prices or these terms. We'll post updates on this page and, for changes to paid plans, tell you in the app before they take effect. These terms are governed by the laws of Saskatchewan and of Canada.

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