Terms of Service

Last updated: August 17, 2026 Applies to: ABE — 101 Financial's instructor tool (this application)

These Terms of Service ("Terms") govern your use of ABE, a business-building tool operated by 101 Financial for its contract instructors. By signing in to ABE, you agree to these Terms.

If you have questions, contact us at brian@101financial.com.

1. Who can use ABE

ABE is available only to:

• Contract instructors currently in an active relationship with 101 Financial
• Corporate staff of 101 Financial with authorized access
• Third-party contractors (accountants, consultants, developers) that 101 Financial has explicitly granted access to

ABE is not available to the general public. Access is provisioned through 101 Financial's core platform, and your ability to use ABE depends on your standing with 101 Financial.

2. Your account

• You must sign in through 101 Financial's core platform. ABE does not create separate credentials.
• You are responsible for keeping your platform credentials secure. Do not share your login.
• You are responsible for all activity that occurs under your account, including any drafts you create, messages you copy from ABE, and connections you make to third-party services.
• If you suspect unauthorized access, contact us immediately.

3. Acceptable use

You agree to use ABE only for legitimate business purposes related to your role as a 101 Financial instructor or authorized staff member. You agree NOT to:

• Use ABE to send unsolicited commercial messages ("spam") that violate anti-spam laws (CAN-SPAM, TCPA, or similar)
• Contact leads or students in ways that violate applicable consumer protection or "do not call" laws
• Enter false, misleading, or defamatory information about individuals
• Attempt to access data belonging to other instructors that you are not authorized to see
• Attempt to circumvent security controls, access restrictions, or feature gates
• Reverse engineer, decompile, or attempt to derive source code from ABE
• Use ABE to compete with 101 Financial or to build a competing product
• Share ABE screenshots, videos, or descriptions publicly without written permission
• Use ABE in any way that violates applicable law or 101 Financial's contractor agreement

4. The "copy-paste" model — you send the messages

ABE is a drafting and coaching tool. It is not an automated sending tool.

• ABE generates message drafts based on your inputs and 101 Financial's methodology.
• YOU decide whether to send each message.
• YOU copy the message and send it from your own device (phone, email, SMS, etc.).
• YOU are legally responsible for the messages you choose to send, including compliance with anti-spam and do-not-call laws.

101 Financial provides ABE as a productivity tool. 101 Financial is not the sender of your messages and is not responsible for your compliance with communication laws that apply to messages you personally send.

5. Content ownership

• Your voice and drafts. Message drafts personalized to your voice are yours to use in your instructor business.
• Lead and student data. Contact information and interaction history you record in ABE belongs to 101 Financial as part of your instructor relationship. If your relationship with 101 Financial ends, you do not have the right to export or take lead/student data with you.
• 101 Financial content. Curriculum content, brand voice guidelines, and other content 101 Financial provides through ABE remain 101 Financial's property.
• AI outputs. Message drafts generated by ABE are created based on your inputs and 101 Financial's methodology. You are responsible for reviewing every draft before sending. Do not send content you have not personally reviewed and approved.

6. Third-party integrations

If you connect ABE to a third-party service (for example, Google Calendar):

• Your use of that service remains subject to that service's own terms and privacy policy.
• You represent that you have the right to grant ABE the access requested.
• You can disconnect the integration at any time from your ABE settings.
• 101 Financial is not responsible for the actions or failures of third-party services.

7. AI-generated content

• ABE uses artificial intelligence (Anthropic's Claude models) to generate message drafts, coaching suggestions, and similar outputs.
• AI outputs may occasionally be inaccurate, incomplete, or inappropriate for a specific situation. YOU are responsible for reviewing every AI-generated draft before sending or acting on it.
• ABE's AI outputs are not legal, financial, tax, medical, or professional advice. Do not rely on them as such.
• 101 Financial makes no warranty that AI outputs will meet any specific standard of quality, accuracy, or fitness for purpose.

8. Availability and changes

• ABE is provided on an "as-is" basis. We will make reasonable efforts to keep it available, but we do not guarantee uninterrupted or error-free operation.
• We may add, change, or remove features at any time. Some changes may be introduced without notice.
• We may impose usage limits (rate limits, storage limits, API call caps) as needed to maintain system health.
• Planned maintenance windows and unplanned outages may occur.

9. Termination

• You may stop using ABE at any time. Simply stop signing in.
• We may terminate your access at any time, with or without notice, if:
  • Your contract instructor relationship with 101 Financial ends or is suspended.
  • You violate these Terms, 101 Financial's contractor agreement, or applicable law.
  • Your continued access presents a security or operational risk.
• On termination, your access to ABE ceases immediately. Records you created in ABE may be retained per 101 Financial's data retention schedule.

10. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ABE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. 101 FINANCIAL DOES NOT WARRANT THAT ABE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR THAT DEFECTS WILL BE CORRECTED.

101 FINANCIAL DOES NOT WARRANT THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY AI-GENERATED CONTENT.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL 101 FINANCIAL, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF ABE, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF 101 FINANCIAL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

101 FINANCIAL'S AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF ABE SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100), OR THE AMOUNT (IF ANY) YOU HAVE PAID 101 FINANCIAL FOR USE OF ABE IN THE TWELVE MONTHS PRECEDING THE CLAIM, WHICHEVER IS GREATER.

12. Indemnification

You agree to indemnify and hold harmless 101 Financial and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of ABE; (b) your violation of these Terms; (c) your violation of any law or the rights of any third party; or (d) messages you sent, including any claim that a message violated anti-spam or communication laws.

13. Governing law

These Terms are governed by the laws of the State of Hawaii, United States, without regard to conflict-of-laws principles. Any dispute arising out of or relating to these Terms or ABE shall be resolved in the state or federal courts located in Honolulu County, Hawaii, and you consent to the exclusive jurisdiction of those courts.

If applicable law requires disputes to be resolved in a different jurisdiction, that law will apply to the extent required.

14. Changes to these Terms

We may update these Terms from time to time. When we do, we will update the "Last updated" date at the top and, for material changes, notify active instructors through ABE or by email. Continued use of ABE after changes take effect constitutes acceptance of the updated Terms. If you do not agree with an update, stop using ABE.

15. Miscellaneous

• Entire agreement. These Terms, together with the Privacy Policy and any additional agreement you have signed with 101 Financial (including your contractor agreement), constitute the entire agreement between you and 101 Financial regarding ABE.
• Severability. If any provision of these Terms is held unenforceable, the remaining provisions will remain in full effect.
• No waiver. Our failure to enforce any provision does not waive our right to enforce it later.
• Assignment. You may not assign these Terms without our written consent. We may assign these Terms in connection with a business transaction (merger, acquisition, sale of assets).
• Notices. We may provide notices through ABE or by email to your registered address. You must keep your contact information current.

Contact us

101 Financial Attention: ABE Terms Email: brian@101financial.com

These Terms are written in plain English where possible, with the necessary legal language where required. If any section is unclear, please ask.