Terms of Service

Terms of Service

Effective date: June 29, 2026

These Terms of Service govern your access to and use of Wrapper, Profit Router, and related FiveToClose services. By using the service, creating an account, or buying credits, you agree to these terms.

Service Overview

Wrapper and Profit Router let users send prompts to multiple AI providers, compare model responses, and receive a distilled answer. The service is designed for productivity, research, content, coding, marketing, and business-idea workflows, but it does not replace professional judgment.

Accounts and Security

You must provide accurate account information and keep your login credentials secure. Non-admin accounts may be required to use authenticator-based two-factor authentication. You are responsible for all activity under your account, including prompts submitted and credits used.

Credits, Payments, and Access

Paid users buy prepaid credits through Stripe Checkout. Credits are consumed when you run prompts against selected AI providers and synthesis. Credit costs may vary by provider count, depth, model configuration, or other product settings.

• Credits are not cash, stored value, or a bank account.
• Credits are for use inside the service and are not transferable unless we approve otherwise.
• We may change credit pricing, plan sizes, model availability, or run costs going forward.
• Refunds are handled at our discretion unless applicable law requires otherwise.
• We may deduct credits for attempted runs because third-party AI providers may charge even if a model fails, times out, or returns an unsatisfactory answer.

Acceptable Use

You agree not to use the service to:

• Violate laws, regulations, third-party rights, or provider terms.
• Generate or distribute malware, phishing, spam, fraud, deceptive claims, or harmful instructions.
• Submit sensitive personal, financial, health, legal, or confidential information unless you have the right to do so and accept the risk of third-party AI processing.
• Reverse engineer, overload, scrape, abuse, resell, or interfere with the service.
• Use outputs to make deceptive earnings claims, unlawful advertising claims, or misleading endorsements.

User Content and AI Outputs

You retain any rights you have in prompts and other content you submit. You grant FiveToClose the rights needed to process your prompts, route them to providers, generate outputs, operate the service, enforce these terms, and improve the product. AI outputs may be inaccurate, incomplete, similar to outputs generated for others, or unsuitable for your intended use. You are responsible for reviewing and validating outputs before relying on them.

Third-Party Providers

The service depends on third-party providers, including AI model providers, hosting services, and Stripe. Their services may change, fail, become unavailable, reject requests, rate-limit usage, or produce unexpected results. We are not responsible for third-party provider actions, terms, downtime, pricing, or outputs.

Ownership

FiveToClose owns the service, software, design, branding, workflows, site content, and related intellectual property, except for rights owned by users or third parties. You may not copy, resell, or create a competing service from our platform without written permission.

Availability and Changes

We may modify, suspend, restrict, or discontinue any part of the service at any time. We may also update these terms, provider lists, credit rules, pricing, or account requirements as the service evolves.

Termination

We may suspend or terminate access if we believe you violated these terms, created risk, abused the service, failed payment checks, or used the service in a way that could harm FiveToClose, other users, or third parties.

No Warranties

The service is provided "as is" and "as available." We do not warrant that the service will be uninterrupted, error-free, secure, accurate, profitable, or fit for a particular purpose.

Limitation of Liability

To the maximum extent permitted by law, FiveToClose will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost revenue, lost data, business interruption, or reliance on AI outputs. To the maximum extent permitted by law, our total liability for any claim related to the service is limited to the amount you paid to FiveToClose for the service in the three months before the event giving rise to the claim.

Governing Law

These terms are governed by the laws of the United States and the state where FiveToClose is principally located, without regard to conflict-of-law rules, unless applicable law requires otherwise.

Contact

Questions about these Terms can be sent to markzschiegner@gmail.com.