Plain Language Summary
- This tool is exclusively for 100x Forum members
- You own your data and are responsible for backing it up
- An AI reads everything you write here, and you cannot turn it off
- 100x coaches and administrators can see your work and can open the app as you
- AI responses are for reflection, not professional advice
- Don't use the app for anything illegal or harmful
- We can update these terms; continued use means acceptance
1. Acceptance of Terms
By accessing or using 100x Roadmap ("the App"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the App.
The App is provided by 100x Forum ("we," "us," or "our"). These terms constitute a legal agreement between you and 100x Forum.
2. Description of Service
100x Roadmap is a digital life planning tool based on the Halftime Institute methodology, provided exclusively to participants of the 100x Forum program. The App helps users reflect on their life goals, mission, values, and priorities through:
- Guided reflection questions and a step-by-step journey
- AI-powered conversational coaching
- Personal statement development across seven modules
- Action planning tools
- Uploading your assessment results and life story for the app to read
- Inviting people who know you to score you on the Foundation Assessment
Access Restriction: This App is intended solely for use by current 100x Forum members. Unauthorized access or use by non-members is prohibited.
The App is designed for personal use and self-reflection. It is not a substitute for professional counseling, therapy, financial advice, or any other professional service.
3. User Accounts
Account Required
Use of the App requires signing in with a Google account or with an emailed sign-in link. By signing in, you:
- Authorize us to receive basic profile information (name, email, photo) if you sign in with Google, and agree to Google's Terms of Service
- Acknowledge that your data is stored on servers we operate at DigitalOcean, that files you upload are stored in DigitalOcean object storage, and that encrypted backups are held at Amazon Web Services
- Acknowledge that you stay signed in until you sign out, and are responsible for the devices you leave signed in
Staff Access to Your Account
100x Forum coaches and administrators can view your written work and your assessment results, and can open the App as you in order to support and coach you. In that mode they see what you see, including your conversations, and changes they make are saved to your account. Our Privacy Policy sets out what is visible and what we record.
4. Acceptable Use
You agree to use the App only for lawful purposes. You may not:
- Use the App to store or transmit illegal content
- Attempt to gain unauthorized access to our systems or other users' data
- Use the App to harass, abuse, or harm others
- Reverse engineer, decompile, or attempt to extract the source code
- Use automated systems (bots, scrapers) to access the App
- Interfere with or disrupt the App's functionality
- Circumvent any security features or access controls
5. AI-Generated Content
Nature of AI Responses
The App uses Anthropic's Claude to provide conversational coaching, to synthesize your reflections, to read the documents you upload, and to write recaps and insights about your work. There is no setting that turns the AI off. You acknowledge that:
- AI responses are generated automatically and may contain errors
- AI is not a licensed professional (therapist, counselor, financial advisor, etc.)
- AI responses should be used for personal reflection only
- You should not rely solely on AI responses for important life decisions
- Content the AI extracts from your uploaded documents may be misread, and you should check it
No Professional Advice
The AI coaching feature does not constitute professional advice of any kind. For important decisions regarding your health, finances, relationships, career, or legal matters, please consult qualified professionals.
6. Your Data
Ownership
You retain full ownership of all content you create in the App, including your statements, reflections, and personal information.
Responsibility
You are responsible for:
- The accuracy and legality of content you enter
- What you write about other people, including the names, notes and photos you add to your relationship map and family plan
- The email addresses you give us so we can invite people to score you on the Foundation Assessment, and for telling those people why they are being contacted
- Maintaining backups of your data
- Protecting access to your device and accounts
Data Loss
We are not responsible for data loss that may occur due to:
- Service interruptions or temporary connectivity issues
- Technical issues on our side
- Account deletion or access issues
- Actions by third-party service providers (Google, Anthropic, Voyage AI, Mailgun, DigitalOcean, Amazon Web Services)
We recommend regularly exporting your data using the Export feature. The JSON export is a complete copy of your record.
7. Intellectual Property
Our Property
The App, including its design, code, methodology framework, and branding, is the intellectual property of 100x Forum. The Halftime Institute methodology is used with appropriate attribution.
Your License to Use
We grant you a limited, non-exclusive, non-transferable license to use the App for personal, non-commercial purposes in accordance with these Terms.
8. Third-Party Services
The App integrates with third-party services including:
- Anthropic: AI processing (Claude)
- Voyage AI: Search inside Ask Lloyd and in-app help
- Google: Sign-in, and the fonts your browser loads
- Mailgun: Email delivery
- Sentry: Error and performance monitoring
- DigitalOcean: Hosting and file storage
- Amazon Web Services: Encrypted offsite backups
- Vimeo: Video playback
Your use of these services is subject to their respective terms of service and privacy policies. We are not responsible for the actions or policies of third-party providers.
9. Disclaimer of Warranties
THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
- MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE
- ACCURACY, RELIABILITY, OR COMPLETENESS OF AI RESPONSES
- UNINTERRUPTED OR ERROR-FREE OPERATION
- SECURITY OR FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, 100X FORUM AND ITS AFFILIATES SHALL NOT BE LIABLE FOR:
- ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
- ANY LOSS OF DATA, PROFITS, OR BUSINESS OPPORTUNITIES
- ANY DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE APP
- ANY DAMAGES ARISING FROM AI-GENERATED CONTENT OR RECOMMENDATIONS
OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR YOUR 100X FORUM MEMBERSHIP IN THE CURRENT YEAR.
11. Indemnification
You agree to indemnify and hold harmless 100x Forum and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorney's fees) arising from:
- Your use of the App
- Your violation of these Terms
- Your violation of any third party's rights
- Any content you submit to the App
12. Termination
We reserve the right to suspend or terminate your access to the App at any time, with or without cause or notice. Upon termination:
- Your right to use the App ceases immediately
- You may export your data before termination if possible
- Provisions that should survive termination (liability, indemnification) will remain in effect
13. Changes to Terms
We may modify these Terms at any time. Changes will be effective when posted with an updated "Last Updated" date. Your continued use of the App after changes constitutes acceptance of the new Terms.
For significant changes, we may provide additional notice through the App interface.
14. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, United States, without regard to its conflict of law provisions.
15. Dispute Resolution
Any disputes arising from these Terms or your use of the App shall be resolved through:
- Good faith negotiations between the parties
- If unsuccessful, binding arbitration in accordance with the rules of the American Arbitration Association
You agree to waive any right to participate in a class action lawsuit or class-wide arbitration.
16. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
17. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and 100x Forum regarding the App.
18. Contact
For questions about these Terms of Use, please contact us at:
Email: legal@100xforum.com
Organization: 100x Forum
Last Updated: August 15, 2026