Daily Marcus — Terms and Conditions

Operator: WolfPack Invest, s.r.o., registered office at Ronovská 122, 289 32 Oskořínek, Czech Republic, Company ID (IČO): 08210985, registered in the Czech Commercial Register (the "Operator", "we") Service: Daily Marcus — AI execution coach (the "Service") Contact e‑mail: support@dailymarcus.ai Effective: May 11, 2026 Version: 1.0

These Terms and Conditions ("T&C") govern the rights and obligations between the Operator and the user of the Daily Marcus service available at www.dailymarcus.ai and the related app surfaces. Please read them carefully before using the Service — by registering you confirm your acceptance.

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1. Introduction and definitions

1.1. For the purposes of these T&C, the following terms have the meaning below:

• User — a natural person (consumer or self‑employed) or legal entity that registers for the Service.

• Consumer — a User who is a natural person entering the contract outside the scope of their business activity (§ 419 of the Czech Civil Code).

• Business User (Entrepreneur) — a User entering the contract as an entrepreneur within § 420 of the Czech Civil Code.

• Account — the user account created on registration.

• Subscription — paid access to the Service in the Starter, Pro or annual variant.

• Credit Pack — a one‑off purchase of message credits for the Mentor.

• Mentor / Marcus — the AI execution coach generated by a large language model (Anthropic Claude Sonnet 4.6).

• Specialist — an AI sub‑agent (e.g. Marketing) generated by a large language model (Anthropic Claude Haiku 4.5).

• User Content — texts, voice recordings and other data the User enters or uploads to the Service.

  1.2. These T&C form an integral part of the contract for the provision of the Service concluded between the User and the Operator (the "Contract").

  1.3. The Contract and these T&C are governed by the law of the Czech Republic, in particular Act No. 89/2012 Coll., the Civil Code (the "CC"), and — vis‑à‑vis Consumers — Act No. 634/1992 Coll. on Consumer Protection.

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2. Conclusion of the Contract

2.1. The Contract is concluded at the moment the User:

• creates an Account (by e‑mail registration or Google social sign‑in),

• in onboarding acknowledges the disclaimer (Section 8) and accepts these T&C and the Privacy Policy, and

• the Operator confirms by activation e‑mail or in‑app activation.

  2.2. The Contract is concluded for an indefinite period; it may be terminated under Sections 11 and 16.

  2.3. The User declares they are at least 18 years old and fully legally competent. The Service is not intended for persons under 18.

  2.4. The Operator reserves the right to refuse registration or terminate an existing Account where there is a reasonable suspicion of a breach of these T&C, fraudulent conduct or abuse.

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3. Description of the Service

3.1. Daily Marcus is an AI execution coach that remembers the User's business context, generates concrete tasks, holds conversations by text or voice and sends scheduled personalised check‑ins. A detailed functional description is available on the Service marketing page.

3.2. Key features include (the specific scope depends on the chosen plan):

• chat with the Mentor (Claude Sonnet 4.6),

• chat with the Marketing Specialist (Claude Haiku 4.5) and a 3‑way conversation with both,

• long‑term memory (business profile, goals, tasks, episodic insights, life events),

• voice input (OpenAI gpt‑4o‑transcribe), walk‑mode UI,

• personalised check‑ins (e‑mail + web push + in‑app),

• 90‑day plan visualisation, badges, streaks,

• knowledge base (RAG) of Czech business resources,

• data export and account deletion.

  3.3. The Operator may add, change or remove features. The Operator will notify the User of material changes by e‑mail and in‑app at least 30 days in advance; the User may then terminate the Contract effective as of the date of the change.

  3.4. The Service is provided "as is". The Operator does not guarantee any specific business outcome (e.g. higher revenue, project success).

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4. Registration and Account

4.1. The User must provide truthful and current information at registration and protect their Account credentials (password, magic link, OAuth token). The Operator is not liable for misuse of the Account caused by a breach of this obligation.

4.2. A User may hold only one Account. Sharing credentials with third parties is not permitted (except across the User's own devices).

4.3. The User must promptly notify the Operator of any suspected unauthorised access to the Account.

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5. Plans, prices and payments

5.1. Plans and current prices. At the time of these T&C the following plans apply (the current price list is always available on the "Pricing" page):

5.2. Prices are stated including any VAT where the Operator is VAT‑registered; otherwise excluding VAT. The VAT amount is shown on the invoice.

5.3. Trial period. The Trial lasts 7 days from Account activation. After the Trial the User is transitioned to a paid plan only if the User activates a Subscription — the Operator does not require a credit card at registration. An existing Account without an active Subscription remains usable only within the free scope (typically reading history, data export).

5.4. Subscription and billing period. The Subscription is paid monthly or annually in advance at the start of the billing period. Payments are processed by Stripe Payments Europe Ltd. (IE) as a payment institution; the Operator does not process payment card data.

5.5. Auto‑renewal. The Subscription renews automatically at the end of each billing period on the same terms and at the then‑current price until cancelled by the User in Settings or via the Stripe customer portal. The Operator sends an e‑mail notice before every annual renewal, and before monthly renewal only if the price changes.

5.6. Price changes. The Operator may unilaterally change the price for a future billing period. Price changes are announced by e‑mail at least 30 days in advance. The User may then terminate the Subscription effective as of the new price's effective date.

5.7. A tax invoice is generated automatically after each payment and available in Settings → Billing.

5.8. Payment failure. If a payment fails, the Operator may restrict the Account's functionality (downgrade to free mode) until the outstanding amount is paid.

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6. Cancellation and refunds

6.1. The User may cancel the Subscription at any time in Settings → Plan or via the Stripe portal. Access to the Service remains active until the end of the paid billing period; thereafter the Account moves to free mode.

6.2. Refunds. Once a paid billing period has started, paid Subscription fees are non‑refundable, including on a pro‑rata basis, except:

• (a) where a Consumer exercises a statutory right of withdrawal under Section 7, where still available;

• (b) where the Service is unavailable for a material period due to the Operator's fault and the Operator fails to restore it after notice (Section 12);

• (c) where the Operator is required to refund under any other mandatory rule.

  6.3. Credit Packs are one‑off purchases and are non‑refundable; purchased credits never expire and remain available even after a plan downgrade.

  6.4. Refunds under Section 6.2(b) are claimed by e‑mail to support@dailymarcus.ai with a description of the situation; the Operator will decide within 14 days.

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7. Consumer right of withdrawal

7.1. A Consumer has the right under § 1829 CC to withdraw from the Contract within 14 days of its conclusion, without giving a reason.

7.2. Important notice (§ 1837(l) CC). The Service is digital content not supplied on a tangible medium. If a Consumer requests performance to begin before the 14‑day withdrawal period expires (typically by starting to use the Account and chatting with the Mentor), the Consumer expressly waives the right of withdrawal in respect of the performance already supplied. The Consumer acknowledges this by clicking "Začneme" ("Let's start") at the end of onboarding.

7.3. Before performance starts, the Consumer may withdraw by sending an unambiguous statement to support@dailymarcus.ai (or using the model form in Annex A). The Operator will refund the amount paid within 14 days of receiving the withdrawal, using the same means originally used.

7.4. The right of withdrawal under § 1829 CC does not apply to Business Users — § 1829 CC applies to Consumers only.

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8. Nature of the Service — AI disclaimer

8.1. Daily Marcus is an AI assistant built on large language models. Its outputs:

• are not legal, tax, accounting, medical or investment advice,

• may contain factual inaccuracies, hallucinations or outdated data,

• are not a substitute for a qualified professional in any regulated area.

  8.2. The User must critically evaluate every recommendation given by the Mentor or a Specialist and, in regulated areas (law, tax, finance, health), consult a professional.

  8.3. Before the first chat the User expressly acknowledges the disclaimer about the nature of the Service. This acknowledgement is recorded with a timestamp.

  8.4. The Operator is not liable for any damage caused by the User's reliance on the Service's output (save for damage caused by wilful misconduct or gross negligence, see Section 12).

  8.5. The Mentor is personalised — its recommendations neither grant nor deny any formal right, service or contract (Art. 22 GDPR — see Privacy Policy).

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9. User Content and licence

9.1. Ownership. User Content (message text, voice recordings, business profile, life events, etc.) remains the User's. The Operator claims no ownership.

9.2. Operational licence. The User grants the Operator a non‑exclusive, worldwide, royalty‑free licence to use the User Content solely to the extent necessary to:

• provide the Service (storage, loading into memory, transmission to AI providers — Anthropic, OpenAI, Voyage AI — for response generation),
• run distillation, embeddings and personalisation,
• back up, secure and recover the system after incidents,
• comply with legal obligations and defend legal claims.

The licence lasts for the lifetime of the Account; it ends on Account deletion and data erasure per the Privacy Policy.

9.3. The Operator will not use User Content:

• to train its own or third‑party AI models,

• for advertising profiling,

• for sale to any third party.

  9.4. User warranties. The User represents that:

• they are entitled to provide the User Content,

• the User Content does not infringe third‑party rights (copyright, trademarks, personality rights),

• the User Content does not contain material prohibited under Section 10.

  9.5. Anonymised aggregate insights. The Operator may use anonymised, aggregated and statistical data (e.g. "X% of users hit their goal within 60 days") to improve the Service and for marketing — always in a form that does not allow re‑identification of an individual User.

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10. Prohibited conduct

10.1. The User must not:

• (a) use the Service for any illegal, fraudulent or harmful purpose (planning a crime, distributing malware, phishing);

• (b) generate via the Service any content that promotes hate, violence, child sexual exploitation (CSAM), terrorism, self‑harm or serious disinformation;

• (c) attempt to circumvent security measures, rate limits or licence restrictions;

• (d) reverse engineer the Service, extract system prompts, train a competing AI model on the Service's outputs, or aggregate outputs in a way that hides their AI origin contrary to applicable law (e.g. the EU AI Act);

• (e) submit personal data of third parties without a valid legal basis;

• (f) overload the infrastructure (DoS, scraping outside the public API);

• (g) sell, rent or resell access to the Account;

• (h) impersonate another person in conversation in a way that may harm a third party.

  10.2. On breach of Section 10 the Operator may without compensation suspend or terminate access, delete the affected User Content and report the matter to the competent authorities where required by law.

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11. Term and termination

11.1. Termination by the User. The User may terminate the Contract at any time by deleting the Account in Settings → Data → Delete account. Deletion cascades to data per the Privacy Policy (excluding accounting records retained by law).

11.2. Termination by the Operator without cause. The Operator may terminate the Contract on 30 days' notice. In such case the User retains full access to the Service during the notice period and the Operator refunds the unused pro‑rata portion of any prepaid Subscription.

11.3. Immediate termination by the Operator. The Operator may terminate the Contract with immediate effect:

• on a material or repeated breach of Section 10,

• on payment overdue by more than 30 days,

• on reasonable suspicion of fraud,

• where required by law or order of a public authority.

  11.4. On termination the User loses the right to use the Service. The Operator makes the JSON export available for 30 days — after which data is permanently deleted (other than accounting records).

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12. Liability

12.1. Availability. The Operator uses reasonable efforts to keep the Service continuously available but does not guarantee any specific SLA. Planned maintenance is announced in advance; unplanned outages are addressed without undue delay.

12.2. Liability cap towards Business Users. The Operator's maximum aggregate liability towards a Business User under this Contract is capped at the total fees paid by the User in the 12 months preceding the loss. The Operator is not liable for loss of profits, indirect, consequential or incidental damages.

12.3. Towards Consumers, § 2898 CC is limited only to the extent permitted by law; wilful misconduct and gross negligence cannot be excluded even against a Consumer.

12.4. Force majeure. The Operator is not liable for non‑performance caused by force majeure (natural disaster, war, backbone network outage, public authority measures, cloud provider outage that cannot reasonably be mitigated).

12.5. Complaints. A Consumer may complain about defects of the Service to the Operator by e‑mail to support@dailymarcus.ai. Complaints will be handled without undue delay, no later than 30 days from submission.

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13. Operator's intellectual property

13.1. All software, design, prompts, documentation, the "Daily Marcus" trademark and the knowledge‑base content are the Operator's exclusive intellectual property (or that of its licensors).

13.2. The User receives a non‑exclusive, non‑transferable, time‑limited licence to use the Service exclusively for their own purposes (personal or business) for the term of the Contract. The licence does not include the right to copy the Service, redistribute it, create derivative works or use it to provide a competing service to third parties.

13.3. AI outputs generated at the User's request ("AI Output") may be used by the User for their own purposes without further royalty. The Operator notes, however, that under current law AI Output may not itself be protected by copyright; ownership of AI Output rights depends on the applicable jurisdiction.

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14. Changes to the T&C

14.1. The Operator may amend these T&C. The Operator will notify the User of any material change by e‑mail and in‑app at least 30 days in advance.

14.2. If the User disagrees with the change, they may terminate the Contract effective as of the new T&C's effective date. By continuing to use the Service after the effective date the User accepts the amended T&C.

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15. Out‑of‑court resolution of consumer disputes

15.1. In the event of a dispute, a Consumer may apply for out‑of‑court resolution to the Czech Trade Inspection Authority (Central Inspectorate — ADR Department, Štěpánská 567/15, 120 00 Prague 2, adr.coi.cz, e‑mail adr@coi.cz).

15.2. Online disputes may also be submitted via the European Commission's ODR platform at ec.europa.eu/consumers/odr.

15.3. Out‑of‑court resolution is initiated only on the Consumer's request; the Operator is not obliged to accept the request but will cooperate with the Czech Trade Inspection.

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16. Final provisions

16.1. Governing law and jurisdiction. The Contract is governed by the law of the Czech Republic, excluding conflict‑of‑laws rules. The competent court is the general court of the Operator's registered office, unless a mandatory rule provides otherwise (in particular, for Consumers — the court of the Consumer's domicile).

16.2. Severability. If any provision becomes invalid or unenforceable, the remaining provisions remain in effect and the invalid provision is replaced by one that most closely approximates the original intent.

16.3. Communication. Communication takes place primarily by e‑mail. E‑mails sent from support@dailymarcus.ai and from the User's e‑mail listed in the Account are deemed delivered on the day of dispatch.

16.4. Assignment. The Operator may assign its rights and obligations under this Contract to a third party as part of a business sale or transfer. The User will be notified; unless mandatory law provides otherwise, the User agrees to such assignment.

16.5. Annex A — model withdrawal form for Consumers.

16.6. These T&C take effect on May 11, 2026.

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Annex A — Model Consumer withdrawal form (Consumers only)

To: WolfPack Invest, s.r.o. Ronovská 122, 289 32 Oskořínek, Czech Republic Company ID (IČO): 08210985 E‑mail: support@dailymarcus.ai

I hereby give notice that I withdraw from the contract for the Daily Marcus service.

Date the contract was concluded: ……………………………… Consumer's name: ……………………………… Consumer's registration e‑mail: ……………………………… Consumer's address: ……………………………… Date of withdrawal: ……………………………… Signature (if sent on paper): ………………………………

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Version 1.0 · Effective: May 11, 2026. These T&C were prepared as a working draft reflecting the current state of the App and the current Czech / EU framework. Before production launch we recommend a final review by a lawyer specialised in IT / consumer law (per SPEC §19).