Last updated: 2026-05-17 Effective date: 2026-05-17
These Terms and Conditions ("Terms") govern your access to and use of CrossPolly (the "Service"), operated by Caterbum, LLC ("we," "us," or "our"). By accessing the Service, creating an account, or making a payment, you agree to be bound by these Terms. If you do not agree, do not use the Service.
CrossPolly is an idea-discovery tool that takes a user-supplied prompt and returns principles drawn from a curated corpus of academic research, applied to the user's situation. Output is generated by large language models and is provided for informational and creative purposes only.
The Service is not professional advice. Output from CrossPolly does not constitute legal, medical, financial, investment, tax, engineering, or other professional advice. You are solely responsible for evaluating whether any output is accurate, applicable, or appropriate for your situation, and for any decisions you make based on it.
You must be at least 18 years old and capable of forming a binding contract to use the Service.
Authorized jurisdiction. The Service is offered only to users located in the State of North Carolina, United States. Use of the Service from any other U.S. state or territory, or from outside the United States, is not authorized. We reserve the right to expand or change the authorized jurisdiction at any time, and to block access from any location where compliance with local law would be impractical.
By using the Service, you represent that you are physically located in an authorized jurisdiction and not on any U.S. government list of restricted persons.
To make a payment or access paid features, you must create an account by providing a valid email address. The Service uses passwordless sign-in: we email you a one-time login link rather than asking you to set a password. You are responsible for:
Notify us promptly at readysetdata@caterbum.com if you believe your account has been accessed without authorization. We are not liable for losses caused by unauthorized account access that occurred before you notified us, but we will work with you in good faith to investigate and resolve such incidents (see Section 7).
CrossPolly is offered through the options below. Current prices and entitlements are shown on the Service's purchase screen and may change as described in Section 4.3.
Unless explicitly stated, no plan includes service-level guarantees, prioritized support, or a license to redistribute output beyond the Acceptable Use rules in Section 5.
Purchased credits are valid for 90 days from the date of your most recent credit purchase. Making a new credit purchase extends the validity of your entire unused credit balance to 90 days from that new purchase. Credits that remain unused when the validity period ends expire and are no longer redeemable, except as provided in Section 4.5 (Refunds) and Section 4.8 (Discontinuation of the Service). This validity period is disclosed at the point of purchase, not only here.
We may add, remove, or rename plans. If we materially reduce the entitlements of a plan you are actively paying for, we will notify you by email and give you the option to cancel for a prorated refund of the unused portion of your current billing period (for one-time credit packs, the equivalent remedy is the pro-rata refund described in Section 4.8).
Current pricing is shown on the Service's purchase screen. One-time credit packs are charged once, at the time of purchase, for the amount shown — they do not recur. If we offer subscription plans in the future, those would be billed in advance on a recurring basis (e.g., monthly or annually) until cancelled; that recurring-billing model applies only to subscription plans you affirmatively enroll in, not to one-time credit-pack purchases. Payment is processed through PayPal; by paying, you also agree to PayPal's terms.
Subscriptions automatically renew at the then-current price unless cancelled before the renewal date. We will use commercially reasonable efforts to notify you of material price changes before they take effect.
You may cancel your subscription at any time from your account settings or by emailing readysetdata@caterbum.com. Cancellation stops future renewals; it does not retroactively refund the current billing period unless required by Section 4.5.
Summary: Refunds are evaluated case-by-case at our discretion. There is no automatic refund window for unused subscription time. This Section describes how we handle refund requests; it does not limit any rights you have under applicable consumer-protection law or under your payment provider's buyer-protection program.
How to request a refund. Email readysetdata@caterbum.com with your account email, the charge in question, and the reason for your request. We aim to respond within five business days. We strongly prefer that you contact us before disputing a charge with your payment provider; most issues can be resolved directly and faster (see Section 7.2).
Situations we generally view favorably. We will typically issue a full or partial refund when:
Situations we generally do not refund. Except where required by law or buyer-protection rules, we will typically decline refund requests for:
Method and timing. Approved refunds are issued to the original payment method. Depending on your provider, funds may take several business days to several weeks to appear.
Buyer-protection programs. Nothing in this Section limits your right to file a dispute with your payment provider (e.g., PayPal Purchase Protection, credit-card chargeback rights). Those programs operate independently of our policy and have their own timelines and rules. We will participate in any such dispute in good faith and will be bound by the provider's final determination.
Recurring-billing notice. For subscriptions billed at a fixed recurring price, your authorization at signup covers each renewal. Where required by our payment provider, we will provide advance notice of upcoming charges; in any case, you can review and cancel upcoming renewals from your account settings at any time.
If a payment fails, we may suspend access to paid features until payment is resolved. Repeated failures may result in account termination.
Listed prices do not include sales, use, or similar taxes. You are responsible for any such taxes that apply to your purchase.
If we permanently discontinue the Service (or permanently discontinue paid access), we will, for any credits you purchased that are unused and still within their validity period at the time we announce discontinuation, refund the unused portion on a pro-rata basis to the original payment method, calculated as (unused valid credits ÷ credits in the purchase) × the price you paid for that purchase. We will use commercially reasonable efforts to provide advance notice by email before paid access ends. This Section survives termination and applies in addition to your buyer-protection rights in Section 4.5 and Section 7.2.
You agree not to:
We may suspend or terminate accounts for any violation, and may refer suspected illegal activity to law enforcement.
For unlimited or high-volume plans, "fair use" means usage consistent with a single human user thinking through problems. Sustained programmatic-scale usage, even from one account, may be rate-limited or treated as a Section 5(2) violation.
The Service, including its design, code, principle corpus, prompts, and brand, is owned by us and protected by copyright, trademark, and other laws. These Terms grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal or internal business purposes, subject to these Terms.
You retain ownership of the prompts you submit. By submitting a prompt, you grant us a worldwide, royalty-free license to process it for the purpose of providing the Service and improving it (see Privacy Policy).
You may use output from the Service for your own personal, internal, or commercial purposes, subject to Section 5 and to the underlying limitations of AI-generated content (Section 1). We make no warranty that output is original, non-infringing, or unique to you — multiple users submitting similar prompts may receive similar output.
The principle corpus is derived from publicly available academic research. Citations to source papers are provided where applicable. We claim no ownership over the underlying research; the principles are our distillations and framings, which we do own.
If you believe your account has been accessed without authorization or fraudulent charges have been made:
We will investigate in good faith, suspend the account during investigation if appropriate, and refund charges that are determined to be the result of unauthorized access not caused by your own negligence (e.g., sharing credentials, falling for a phishing attack you reasonably should have recognized).
You retain all rights to dispute charges with your payment provider (PayPal, your credit-card issuer, etc.) under their buyer-protection rules. We will participate in any such dispute in good faith.
That said, we strongly prefer that you contact us at readysetdata@caterbum.com before filing a dispute. Most billing issues — duplicate charges, unintended renewals, account questions — can be resolved within a few business days, often faster than a formal dispute, and without affecting your account standing.
If you initiate a dispute for a charge you authorized and used (i.e., a dispute we and the payment provider determine to lack merit), we may suspend your account pending resolution and may decline to provide future Service to you. The outcome of any payment-provider dispute is determined by the provider, not by us, and we are bound by their decision regardless of these Terms.
If you believe content from CrossPolly has been republished without authorization, or if you are a rights-holder with a claim that something in our corpus infringes your rights, contact readysetdata@caterbum.com with details. We will respond consistent with applicable law (including DMCA procedures for U.S. copyright claims).
We aim to keep the Service available but do not guarantee any specific uptime. The Service may be unavailable for maintenance, updates, or due to factors outside our control. We are not liable for losses resulting from downtime, but for prolonged outages materially affecting paid users we will, on request, add replacement query credits to your account (or, for subscription plans if ever offered, credit prorated time to your next billing period).
We may modify these Terms or the Service at any time. Material changes to these Terms will be posted at https://crosspolly.com/terms with an updated "Last updated" date and, for active subscribers, communicated by email. Continued use of the Service after changes take effect constitutes acceptance. If you don't agree, your remedy is to stop using the Service and cancel.
You may terminate your account at any time by cancelling and contacting readysetdata@caterbum.com for account deletion.
We may suspend or terminate your account for violation of these Terms, suspected fraud, non-payment, or for any reason on reasonable notice. On termination, your right to use the Service ends immediately. If we permanently discontinue the Service entirely, Section 4.8 (Discontinuation of the Service) governs refunds of unused, in-validity credits. Sections that by their nature should survive (IP, disclaimers, limitation of liability, dispute resolution, Section 4.8) survive termination.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.
WE DO NOT WARRANT THAT OUTPUT FROM THE SERVICE IS ACCURATE, COMPLETE, RELIABLE, OR SUITABLE FOR ANY PARTICULAR PURPOSE. AI-GENERATED CONTENT MAY CONTAIN ERRORS, FABRICATIONS, OR MISAPPLICATIONS OF SOURCE MATERIAL. YOU USE OUTPUT AT YOUR OWN RISK.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS IS LIMITED TO THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).
WE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR LOST OPPORTUNITIES, EVEN IF ADVISED OF THE POSSIBILITY.
Some jurisdictions do not allow these limitations; in those jurisdictions, the limitation applies to the fullest extent permitted.
You agree to indemnify and hold us harmless from any claim, demand, or damages, including reasonable attorneys' fees, arising out of (a) your use of the Service, (b) your violation of these Terms, or (c) your violation of any rights of a third party.
These Terms are governed by the laws of the State of North Carolina, without regard to conflict-of-laws principles.
Any dispute arising under these Terms will be resolved exclusively in the state or federal courts located in Gaston County, North Carolina, and you consent to personal jurisdiction there.
You agree that any dispute will be tried by a judge sitting without a jury, and you waive any right to a jury trial. You further agree to bring any claim relating to the Service or these Terms only on an individual basis, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative action.