Last Updated: February 10, 2026 | Effective Date: February 10, 2026
Welcome to Pensy.AI. These Terms of Service ("Terms") constitute a legally binding agreement between you ("you," "your," or "User") and Pensy Group ("we," "us," "our," or "Company"), governing your access to and use of the Pensy.AI platform, including our website at pensy.ai, web application, and all related services (collectively, the "Service").
By creating an account, accessing, or using the Service in any way, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must not access or use the Service.
Your continued use of the Service after any modifications to these Terms constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically for any changes.
Pensy.AI is an AI-powered self-awareness companion that helps you reflect on your relationships, patterns, and commitments through personalized daily reflections and two-way conversation. The Service uses a multi-agent AI system to help you think more clearly about what matters in your life — not to advise, diagnose, or coach in a professional sense, but to serve as a mirror for your own thinking.
The Service includes the following features:
Pensy.AI is a mirror for self-reflection, not a replacement for professional care. The insights, patterns, and reflections generated by Pensy are intended to support your own thinking — not to diagnose, treat, or advise. You are always the decision-maker.
Pensy.AI is a self-awareness companion. It is NOT any of the following:
You acknowledge and agree that any coaching, guidance, or suggestions provided by Pensy.AI are for informational and educational purposes only. You are solely responsible for the decisions you make based on the information received from the Service.
You must be at least 18 years of age to create an account and use the Service. By creating an account, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding agreement. If we learn that a User is under 18, we will immediately terminate their account and delete their data.
To use the Service, you must create an account by providing a valid email address and a password. You may optionally provide your mobile phone number to enable SMS features when they become available. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete. Providing false or misleading information may result in the immediate suspension or termination of your account.
You are responsible for maintaining the confidentiality of your account credentials, including your password. You agree to notify us immediately at contact@pensygroup.com if you suspect any unauthorized access to or use of your account. You are fully responsible for all activities that occur under your account, whether or not authorized by you. We are not liable for any loss or damage arising from your failure to maintain the security of your account credentials.
Each individual may maintain only one Pensy.AI account. Creating multiple accounts to circumvent message limits, exploit promotions, or for any other reason is prohibited and may result in the termination of all associated accounts without refund.
Pensy.AI offers a limited free tier that lets you try the full product without a card, followed by a paid subscription once you've used your free sessions. All plans include unlimited coaching sessions once subscribed, persistent AI memory, and full access to all features. Pensy Pro subscribers ($19.99/month or $192/year) receive unlimited coaching sessions with full access to memory and progress features.
Pensy.AI offers two paid plans: Pensy Pro at $19.99 per month, and Pensy Pro Annual at $192 per year. Free sessions are available before subscribing, and once subscribed you're billed immediately for your chosen plan. All prices are in United States Dollars (USD) and are inclusive of any applicable fees unless otherwise stated. We reserve the right to modify pricing at any time. Any price changes will apply only to future billing periods and will not affect the current billing period.
You may cancel your Pensy Pro subscription at any time from your account dashboard. Upon cancellation, you will continue to have access to premium features until the end of your current billing period. No partial refunds will be issued for unused time remaining in your billing period.
All payments are processed securely through Stripe, Inc., a PCI DSS-compliant payment processor. By making a purchase, you agree to Stripe's terms of service and privacy policy. We do not store your full credit card number, CVV, or other sensitive payment card details on our servers. You represent and warrant that you are authorized to use the payment method provided.
Subscription fees are non-refundable after the billing period begins. You may request a refund within seven (7) days of your initial subscription purchase by contacting us at contact@pensygroup.com. Refunds for initial purchases will be processed to the original payment method within 5-10 business days. We reserve the right to deny refund requests that appear fraudulent or abusive.
SMS coaching is a planned feature. When it becomes available, the following terms will apply. Until then, the primary ways to interact with Pensy.AI are through our web chat interface and email.
By providing your mobile phone number and opting in to SMS on Pensy.AI, you expressly consent to receive SMS text messages from us at the phone number you provide. These messages may include coaching messages, responses to your inquiries, and service-related notifications. You understand that this consent is not a condition of purchasing any goods or services.
When enabled, you may receive coaching messages and responses to texts you initiate. The total number of messages you receive will vary based on your usage patterns and interaction frequency. Message frequency varies.
Standard message and data rates from your wireless carrier may apply to SMS messages sent to and received from Pensy.AI. You are solely responsible for any charges imposed by your mobile carrier. Pensy.AI is not responsible for any fees, surcharges, or costs charged by your wireless carrier or internet service provider.
The Service is designed to work with major U.S. mobile carriers, including but not limited to AT&T, Verizon, T-Mobile, Sprint, and their MVNOs (Mobile Virtual Network Operators). SMS delivery is facilitated through Twilio, Inc. While we strive for broad compatibility, we cannot guarantee SMS delivery across all carriers or in all geographic areas. Delivery may be affected by carrier policies, network congestion, or technical limitations outside our control.
You may opt out of receiving SMS messages at any time by texting STOP to any message received from Pensy.AI. You may also opt out through your account dashboard settings or by contacting us at contact@pensygroup.com. After opting out, you will receive one final confirmation message. Opting out of SMS does not affect access to email, web chat, or other features of the Service.
All coaching messages, guidance, suggestions, frameworks, and other content delivered through the Service are generated by artificial intelligence and are not created, reviewed, or approved by licensed professionals of any kind — including therapists, counselors, physicians, attorneys, or financial advisors.
AI-generated content may contain errors, inaccuracies, or information that is incomplete, outdated, or not applicable to your specific circumstances. While we strive to provide high-quality coaching, we do not warrant or guarantee the accuracy, reliability, completeness, or suitability of any AI-generated content for any particular purpose.
AI-generated coaching content is for informational and educational purposes only. It does not constitute professional advice of any kind. You should not rely solely on AI-generated advice as the basis for making major life decisions, including but not limited to decisions relating to your health, finances, legal matters, career, or personal relationships.
You are solely responsible for evaluating the appropriateness and applicability of any coaching content you receive. You acknowledge that any actions you take based on AI-generated coaching are taken at your own risk and discretion. We strongly encourage you to consult qualified professionals before making significant decisions that could materially affect your well-being, finances, health, or legal standing.
We make no guarantees, representations, or warranties regarding any specific outcomes, results, or improvements from using the Service. Individual results will vary. The effectiveness of coaching depends on numerous factors unique to each user, including personal circumstances, effort, and follow-through.
You agree to use the Service only for its intended purpose: personal strategic coaching and decision-making support. You agree to interact with the Service respectfully and in good faith.
You agree not to engage in any of the following prohibited activities:
The Service, including but not limited to its software, code, design, interface, logos, trademarks, coaching methodologies, AI models, system prompts, agent architecture, and all associated intellectual property, is owned by Pensy Group and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. You may not copy, modify, distribute, sell, lease, or create derivative works of any part of the Service without our prior written consent.
You retain ownership of any content you submit to the Service, including the text of your SMS messages and any information you provide during conversations. By submitting content to the Service, you grant Pensy Group a limited, non-exclusive, royalty-free, worldwide license to use, process, store, and analyze your content solely for the purpose of providing and improving the Service. This license includes the right to process your content through our AI systems, store it as part of your coaching memory, and use anonymized and aggregated data derived from user interactions to improve our coaching models and service quality.
Coaching messages and other content generated by our AI system in response to your inputs are provided to you for your personal use. You may use such content for your own personal, non-commercial purposes. However, you acknowledge that AI-generated content may not be subject to copyright protection under applicable law and that Pensy Group retains all rights in the systems, processes, and methodologies used to generate such content.
Pensy.AI's multi-agent AI system processes your messages and automatically identifies important details from your conversations — such as your goals, values, relationships, recurring challenges, decision-making patterns, strategic priorities, and personal preferences. These details are stored as "memory items" that allow the Service to provide contextually aware, personalized coaching that builds on previous conversations rather than starting fresh each time.
We believe in full transparency about what our AI remembers about you. All memory items stored by the system are visible to you through your Pensy.AI dashboard. You can review exactly what information the AI has retained and how it is being used to personalize your coaching experience.
Your memory exists to serve you. Pensy uses what you share to provide more relevant reflections over time. You can view, edit, or delete any memory item at any time through your dashboard. If you delete your account, all data is permanently removed.
You may also request a complete export of your memory data by contacting us at contact@pensygroup.com.
Your privacy is important to us. Our collection, use, disclosure, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the data practices described in our Privacy Policy. We encourage you to read the Privacy Policy carefully to understand how we handle your information, including what data we share with third-party services such as OpenAI, Twilio, and Stripe.
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, PENSY GROUP DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
Without limiting the foregoing, we do not warrant or represent that:
You acknowledge that Pensy.AI uses artificial intelligence, which is inherently imperfect, and that AI-generated coaching content may occasionally be irrelevant, unhelpful, or incorrect. You use the Service at your own risk.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PENSY GROUP, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, OR ASSIGNS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH:
IN NO EVENT SHALL PENSY GROUP'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE EXCEED THE GREATER OF (A) THE AMOUNT YOU HAVE PAID TO PENSY GROUP IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00).
Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability shall be limited to the maximum extent permitted by applicable law.
You agree to indemnify, defend, and hold harmless Pensy Group, its officers, directors, employees, agents, affiliates, and licensors from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including but not limited to reasonable attorney's fees) arising from: (a) your use of or access to the Service; (b) your violation of these Terms; (c) your violation of any third-party rights, including any intellectual property, privacy, or publicity rights; (d) any content you submit to the Service; (e) any decisions you make or actions you take based on AI-generated coaching content; or (f) any claim that your use of the Service caused damage to a third party. This indemnification obligation will survive the termination of your account and these Terms.
You may terminate your account at any time by contacting us at contact@pensygroup.com or through your account dashboard. Upon termination, your right to use the Service will immediately cease.
We reserve the right to suspend or terminate your account and access to the Service at any time, with or without cause, and with or without notice, including but not limited to if we reasonably believe that: (a) you have violated these Terms; (b) you have engaged in conduct that is harmful to other users, third parties, or our business; (c) you have engaged in fraudulent or abusive activity; or (d) continued provision of the Service to you is no longer commercially viable.
Upon termination of your account: (a) your right to access and use the Service will immediately cease; (b) your subscription will be cancelled and access to premium features will cease; (c) your coaching memory and message history will be deleted in accordance with our Privacy Policy data retention schedule; (d) all provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnification obligations, limitations of liability, and dispute resolution provisions.
These Terms and any dispute arising out of or related to these Terms or the Service shall be governed by and construed in accordance with the laws of the State of Oklahoma, United States, without regard to its conflict of law principles.
Before initiating any formal dispute resolution proceeding, you agree to first contact us at contact@pensygroup.com and attempt to resolve the dispute informally. We will attempt to resolve the dispute through good faith negotiation for a period of at least thirty (30) days from the date of your initial notice.
If the dispute cannot be resolved informally within thirty (30) days, you and Pensy Group agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved exclusively through final and binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, rather than in court. The arbitration shall take place in Oklahoma City, Oklahoma, or, at your election, may be conducted by telephone, online, or based solely on written submissions. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
YOU AND PENSY GROUP 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, CONSOLIDATED, OR REPRESENTATIVE ACTION. Unless both you and Pensy Group agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.
Notwithstanding the foregoing, either party may bring an individual action in small claims court for disputes or claims within the scope of that court's jurisdiction. Additionally, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's copyrights, trademarks, trade secrets, patents, or other intellectual property rights.
We reserve the right to modify, amend, or update these Terms at any time at our sole discretion. When we make material changes, we will update the "Last Updated" date at the top of this page and, where practicable, provide you with notice of the changes via email, SMS, or a prominent notice on our website.
Your continued use of the Service after any changes to these Terms constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must stop using the Service and may terminate your account. It is your responsibility to review these Terms periodically to stay informed of any updates.
If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable. If such modification is not possible, the provision shall be severed from these Terms. The invalidity, illegality, or unenforceability of any provision shall not affect the validity, legality, or enforceability of the remaining provisions, which shall continue in full force and effect.
These Terms, together with our Privacy Policy and any other legal notices or agreements published by us on the Service, constitute the entire agreement between you and Pensy Group regarding your use of the Service. These Terms supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Service. No waiver of any provision of these Terms shall be deemed a further or continuing waiver of such provision or any other provision, and our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.
If you have any questions, concerns, or feedback regarding these Terms of Service, please contact us: