Terms of Service

Terms of Service

Effective date: July 3, 2026

These Terms of Service govern your access to and use of Pro Money on pro.fivetoclose.cloud. By using the service, creating an account, or buying credits, you agree to these terms.

Service Overview

Pro Money lets you pick money categories (online, offline, investing, crypto, real estate), describe your goal, and receive a synthesized step-by-step PDF built from multiple AI providers — including OpenAI, Claude, Grok, Gemini, Qwen, GLM, and DeepSeek. The service is designed for personal planning, lead magnets, and resellable assets, but it does not replace professional judgment.

The sales page is available without an account. Full panel access and PDF generation require a paid credit balance and completed account security setup described below.

Accounts and Security

You must provide accurate account information and keep your login credentials secure. After you purchase credits, you must complete authenticator-based two-factor authentication before the panel unlocks. This requirement protects your prepaid credit balance from unauthorized use.

You are responsible for all activity under your account, including goals submitted and credits used. Contact support@fivetoclose.cloud promptly if you believe your account or credits were accessed without permission.

Credits, Payments, and Access

Paid users buy prepaid credits through Stripe Checkout on pro.fivetoclose.cloud. Credits are consumed when you generate money-plan PDFs in the panel. A full seven-model plan currently uses about 40 credits.

• Starter plan: $4.99 for 40 credits (one money-plan PDF).
• Pro bump: $19.99 for 200 credits (order-bump add-on).
• Bundle: $24.98 for 240 credits when both are selected at checkout.
• Credits are not cash, stored value, or a bank account.
• Credits are for use inside Pro Money and are not transferable unless we approve otherwise.
• Credits appear after Stripe confirms payment, but panel access remains locked until authenticator setup is complete.
• We may change credit pricing, plan sizes, model availability, or generation costs going forward.
• We may deduct credits for attempted generations because third-party AI providers may charge even if a model fails, times out, or returns an unsatisfactory answer.

Refunds and Billing Disputes

Pro Money is a prepaid credit service. When you buy credits, delivery begins immediately after payment and third-party AI costs are incurred as you generate plans. Our refund rules reflect that the product is consumed on use.

• No refund on used credits. If any credits from a purchase have been spent — in whole or in part — that purchase is not refundable.
• Unused credit packs. If you bought credits and have not spent any from that purchase, contact support@fivetoclose.cloud within 7 days of payment with your account email and Stripe receipt. We review unused-pack requests on a case-by-case basis.
• How to request review. Email support@fivetoclose.cloud from the address on your account. Include your purchase date and a brief description. We respond within one business day.
• Chargebacks. Contact us before filing a payment dispute. Chargebacks filed after credits have been used may result in immediate account suspension.
• Legal requirements. Nothing in this section limits refund rights that applicable consumer law requires where you live.

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, 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 goals and other content you submit. You grant FiveToClose the rights needed to process your inputs, route them to providers, generate PDFs, operate the service, enforce these terms, and improve the product. AI outputs may be inaccurate, incomplete, or unsuitable for your intended use. You are responsible for reviewing and validating outputs before relying on them or reselling 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 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, billing, or account issues can be sent to support@fivetoclose.cloud.