Terms of Use
By accessing or using the Website, submitting forms or purchasing any Problem Lab services, you agree to be bound by these Terms. If you do not agree, please do not use the Website or our services.
1. Who We Are
Problem Lab is a problem-solving service that provides clarity, planning and strategy for individuals facing challenges in areas such as money and income, life direction, relationships and the use of AI in work or business.
Website: https://problemlab.online
Contact email: support@problemlab.online
2. Eligibility
The Website and Problem Lab services are intended for individuals who are at least 18 years old (or the age of majority in their jurisdiction). By using the Website or our services, you represent that you meet this requirement.
3. Nature of the Service (No Professional Advice)
Problem Lab provides general information, structured thinking, planning and strategy to help you understand and organise your situation. We do not provide:
- Medical or mental health diagnosis, treatment or therapy
- Legal advice or representation
- Financial or investment advice regulated by law
- Any form of emergency or crisis response
You are responsible for your own decisions and for seeking appropriate professional advice where needed (for example from doctors, therapists, lawyers, financial advisers or emergency services).
4. Use of AI Tools
Problem Lab uses AI tools as a thinking aid to help analyse the information you provide and to generate draft plans, options and ideas. By submitting information to Problem Lab, you understand and agree that:
- AI tools may be used to process some of the information you provide, under the terms of those tools.
- AI output can contain errors or limitations and should not be treated as fact or as professional advice.
- A human will review and adjust plans and recommendations before they are shared with you, but no method is perfect.
You should always use your own judgment and, where relevant, professional advice when relying on any plan or suggestion from Problem Lab.
5. Your Responsibilities
When you use the Website or Problem Lab services, you agree to:
- Provide accurate and honest information to the best of your ability
- Not share confidential information about other people without their consent
- Use any plan or recommendations at your own risk and discretion
- Comply with all applicable laws in your use of the Website and services
You also agree not to:
- Use the Website for illegal, harmful or abusive purposes
- Attempt to interfere with or disrupt the Website or its security
- Copy, distribute or resell our content or plans without permission
6. Plans, Memberships and Payments
Problem Lab may offer one-time plans, memberships or other paid services. Specific details, pricing and payment terms will be explained on the relevant page or order form at the time of purchase.
By placing an order or subscribing, you agree to:
- Provide accurate billing information
- Authorise Problem Lab or its payment processors to charge your chosen payment method
- Be responsible for any applicable taxes and fees
Any refund or cancellation policies will be stated at the point of purchase or in follow-up communication. If no specific policy is stated, all sales are generally considered final except where required by law.
7. No Guarantees
Problem Lab cannot guarantee specific results or outcomes. Your progress depends on many factors, including your actions, resources, skills, timing, health and external circumstances beyond our control.
We aim to provide thoughtful, realistic plans. However, you understand that:
- No result is promised or guaranteed (including income, relationship, career or health outcomes).
- Any examples, case studies or scenarios are illustrative only and do not guarantee similar results for you.
8. Intellectual Property
The Website and its content (including text, graphics, branding, layout and original materials) are owned by Problem Lab or used with permission. All rights are reserved unless expressly granted.
Subject to these Terms, you are granted a limited, non-exclusive, non-transferable licence to:
- Access and use the Website for personal, non-commercial purposes
- Use any Problem Lab plan or materials provided to you for your own personal use
You may not copy, reproduce, redistribute, sell or publicly display Problem Lab content without prior written permission, except where allowed by law (for example, fair use).
9. Third-Party Services and Links
The Website may include links to third-party websites, tools or services (for example, payment processors, AI tools, analytics or social media). Problem Lab does not control and is not responsible for the content or practices of those third parties.
Your use of third-party services is subject to their own terms and policies, not these Terms.
10. Disclaimer of Warranties
The Website and Problem Lab services are provided on an “as-is” and “as-available” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to:
- Warranties of accuracy, completeness or reliability
- Warranties of merchantability, fitness for a particular purpose or non-infringement
- Any guarantee that the Website or services will be uninterrupted, secure or error-free
11. Limitation of Liability
To the fullest extent permitted by law, Problem Lab and its owners, employees, contractors and partners will not be liable for any indirect, incidental, special, consequential or punitive damages arising out of or related to your use of the Website or services, even if advised of the possibility of such damages.
Where liability cannot be excluded, it will be limited to the amount you paid (if any) for the Problem Lab service most directly related to the claim, or to the minimum amount required by applicable law.
12. Indemnification
You agree to indemnify and hold harmless Problem Lab from and against any claims, liabilities, damages, losses and expenses (including reasonable legal fees) arising out of or related to:
- Your use or misuse of the Website or services
- Your violation of these Terms
- Your infringement of any rights of another person or entity
13. Not for Emergency Use
Problem Lab is not an emergency service. If you are in crisis or need urgent help, you should contact local emergency services, crisis hotlines or appropriate professionals immediately. Do not delay seeking professional help because of any information or plan from Problem Lab.
14. Changes to the Website and Services
We may modify, suspend or discontinue any part of the Website or Problem Lab services at any time, with or without notice. We are not liable to you or any third party for any modification, price change, suspension or discontinuance.
15. 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 of this page. Your continued use of the Website or services after changes are posted will mean you accept the revised Terms.
16. Governing Law
These Terms will be governed by and interpreted in accordance with the laws applicable in the country or region where Problem Lab primarily operates, without regard to conflict of law principles, except where a different law is required to apply by your local jurisdiction.
If any provision of these Terms is found to be invalid or unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
17. Contact Us
If you have any questions about these Terms, you can contact Problem Lab at:
Email: support@problemlab.online