Pre-launch notice. These terms are a working draft. We are having them reviewed by legal counsel before we take material traffic or accept paid users. If you rely on them, please contact us first.

Legal

Terms of Service

Effective April 14, 2026

1. Acceptance of these terms

Welcome to Netwell (“Netwell,” “we,” “us”). These Terms of Service (“Terms”) form a binding agreement between you and Netwell governing your access to and use of our website, risk assessment tool, whitepaper, and any related services we offer (together, the “Service”).

By accessing the Service, completing an assessment, downloading the whitepaper, or creating an account, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not use the Service.

2. What the Service is — and what it is not

Netwell offers an AI job-displacement risk assessment that produces an indicative risk score and tier based on the answers you provide. We also publish research (including our whitepaper) on AI’s impact on labor markets and are developing an income protection product for workers whose roles may be disrupted by artificial intelligence.

The Service is informational and educational only. It is not professional, financial, legal, tax, insurance, career, or medical advice. The risk score is a model-generated estimate based on self-reported inputs and generalized assumptions about industries and roles. It is not a prediction of your individual employment outcome and should not be the sole basis for any consequential decision. You should consult a qualified professional before making decisions that affect your livelihood, finances, or legal position.

Paid features, including the Netwell Premium subscription (Section 5), remain informational and educational — they do not constitute financial, insurance, or professional advice. Until we explicitly state otherwise in writing, Netwell is not a licensed insurance producer, broker, investment adviser, or financial planner, and nothing on the Service constitutes an offer to sell insurance or securities.

3. Eligibility

You must be at least 16 years old and legally able to form a binding contract in your jurisdiction to use the Service. By using the Service you represent and warrant that you meet these requirements and that the information you provide is accurate and belongs to you.

4. Accounts

Some features of the Service may require an account. Account sign-in uses a passwordless magic-link flow tied to your email address. You are responsible for the security of the email inbox you sign in with, and for any activity that occurs on your account. You agree to notify us promptly if you believe your account has been accessed without your authorization.

We may suspend or terminate an account that has been used in violation of these Terms or applicable law, or that is inactive for an extended period.

5. Fees and subscriptions

Parts of the Service are offered as a paid subscription (“Netwell Premium”) priced at US$29.99 per month, billed through our payment processor, Stripe. The price is displayed before you subscribe. We may change subscription pricing prospectively; we will give you advance notice, and changes will apply from your next billing period.

Auto-renewal. Your subscription renews automatically each month until you cancel. You can cancel at any time through the billing portal in your dashboard; cancellation takes effect at the end of the current billing period, and you retain access to premium features until then.

Refunds. Except where required by applicable law, payments are non-refundable and we do not provide refunds or credits for partial billing periods. If you believe you have been billed in error, contact us at legal@netwell.ai and we will review promptly.

6. Acceptable use

You agree not to:

  • Use the Service for any unlawful purpose or in violation of these Terms
  • Submit information that is false, misleading, or belongs to someone else without their permission
  • Interfere with or disrupt the Service, its servers, or its networks, including by attempting to bypass rate limits, authentication, or security controls
  • Scrape, crawl, or extract data from the Service by automated means except via interfaces we expressly provide
  • Reverse engineer, decompile, or attempt to derive the source of any part of the Service
  • Use the Service to build a competing product or to train a machine-learning model
  • Use the Service in a way that could damage, disable, overburden, or impair it, or that interferes with any other party’s use

7. Your content and licenses

You retain ownership of the information you submit through the Service. By submitting it, you grant Netwell a worldwide, non-exclusive, royalty-free license to host, store, process, and use that information to operate and improve the Service, to generate aggregated and anonymized research, and to communicate with you as described in our Privacy Policy.

All other content on the Service — including copy, design, logos, the Netwell name, the whitepaper, and any proprietary models — is owned by Netwell or its licensors and is protected by copyright, trademark, and other laws. We grant you a limited, personal, non-transferable, revocable license to access and use the Service for its intended purpose. No other rights are granted.

8. Disclaimers

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NETWELL AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, AND QUIET ENJOYMENT.

We do not warrant that the Service will be uninterrupted, error-free, secure, or free from harmful components, or that the risk score or any other output will be accurate, reliable, or suitable for any particular decision. You use the Service at your own risk.

Some jurisdictions do not allow the exclusion of certain warranties. To the extent such law applies to you, some of the exclusions above may not apply, and you may have additional rights.

9. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL NETWELL, ITS AFFILIATES, OR ITS LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT NETWELL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

NETWELL’S TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU HAVE PAID TO NETWELL IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US$100).

Nothing in these Terms limits any liability that cannot be limited under applicable law — including, for users in the UK/EEA, liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded.

10. Indemnification

You agree to defend, indemnify, and hold harmless Netwell and its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with (a) your access to or use of the Service, (b) your violation of these Terms, or (c) your violation of any third-party right, including any intellectual property, privacy, or publicity right.

11. Governing law

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of Delaware, USA, without regard to its conflict-of-laws principles, except that (i) the United Nations Convention on Contracts for the International Sale of Goods does not apply, and (ii) if you are a consumer in the UK or EEA, you keep the benefit of any mandatory consumer-protection rules of the country in which you live.

12. Dispute resolution and arbitration

Please read this section carefully — it affects your legal rights.

Except for disputes that qualify for small-claims court, and except where prohibited by applicable law, you and Netwell agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by final and binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. Arbitration shall take place in Delaware, USA, or, at your election, in the county where you live. Judgment on the award may be entered in any court of competent jurisdiction.

Class action waiver. You and Netwell 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 proceeding.

30-day opt-out. You may opt out of this arbitration agreement by sending written notice to legal@netwell.ai with the subject line “Arbitration Opt-Out” within 30 days of first accepting these Terms. If you opt out, neither you nor Netwell will be bound by the arbitration or class-waiver provisions in this Section 12.

If you are a consumer in the UK or EEA, nothing in this Section 12 limits your right to bring proceedings in the courts of your country of residence where mandatory law gives you that right.

13. Changes to the Service and to these Terms

We are an early-stage product and the Service will change over time. We may add, modify, or discontinue features at any time. We may also update these Terms; material changes will be announced on our website and, where required, by email. Your continued use of the Service after an update takes effect constitutes acceptance of the updated Terms. If you do not agree, stop using the Service.

14. Contact

Questions about these Terms? Email legal@netwell.ai. For privacy questions, see our Privacy Policy or email privacy@netwell.ai.

See also our Privacy Policy.