Terms & Conditions

Last updated October 25, 2026

Who you're dealing with

The L&BP Point ("the Service") is provided by Dana Marie Blackwell, an individual doing business as The L&BP Point ("we", "us"). By using the Service, you're entering into an agreement with Dana Marie Blackwell.

Accepting these terms

By creating an account or continuing to use the Service, you agree to these terms. If you don't agree, please don't use the Service. You must be at least 18, or the age of majority where you live. If you use the Service for an organization, you confirm you're allowed to accept these terms for it.

What the Service is

A web app for building life plans and business plans, with how-to guides, budgeting tools, town-document notes, PDF exports and an optional AI assistant called LP. New accounts get a 9-day free trial, then full access is unlocked with a single one-time payment of your choice.

Your account

• Keep your login details private. You're responsible for activity under your account.
• Give accurate information and keep it up to date.

Acceptable use

You must not misuse the Service, including by:

• using it for anything unlawful, fraudulent, or to send spam;
• infringing anyone's intellectual property or privacy;
• uploading malware, probing or attacking our systems, or scraping the Service;
• reverse engineering, reselling or redistributing the Service, or getting around its limits;
• using LP to create illegal content, hate speech, harassment, deepfakes or impersonation, malware, or to try to bypass its safety rules ("jailbreaking").

LP, the AI assistant

• LP is an AI, not a person, and not a licensed lawyer, accountant, financial adviser or government official. Its suggestions are general information, not professional, legal, tax or financial advice.
• AI output can be wrong or out of date. You're responsible for what you type into LP, for checking its answers, and for how you use them. Always confirm zoning, fees, permits and approval rules directly with your local government.
• You must have the right to anything you paste or upload. Between you and us, you own your inputs and the plans LP helps you write, and you give us a limited licence to store and process them only to run the Service.
• We may filter or refuse outputs, remove content, or restrict accounts that break these rules. Rights-holders who believe content infringes their rights can contact us through the Service, and we'll act on valid notices. Repeated infringement leads to account termination.

Our intellectual property

We own the Service, including its software, design, guides, documentation and branding. We grant you a limited, non-exclusive, non-transferable right to use it for your own planning.

Payments

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns. Payment, billing, tax, and refund terms are covered by Paddle's Buyer Terms. See our Refund Policy too.

No guarantees

We work to keep the Service running well, but we don't guarantee it will be uninterrupted or error-free. To the fullest extent the law allows, the Service is provided "as is", without implied warranties such as merchantability or fitness for a particular purpose. We don't promise that any plan will win funding, investors or town approval.

Limits on liability

To the extent the law allows, we're not liable for indirect or consequential losses (like lost profits, data or goodwill), and our total liability is capped at what you paid us in the 12 months before the claim. Nothing here limits liability that can't be limited by law, such as for fraud, death or personal injury.

Your responsibility to us

You agree to cover claims against us that come from your content, your unlawful use of the Service, or your breaking these terms.

Suspension and termination

We may suspend or end your access if you seriously or repeatedly break these terms, don't pay, or create a security or fraud risk. You can stop using the Service any time. If your access ends, you can ask us within 30 days to export your plans; after that, we may delete them.

Other terms

• These terms are governed by the laws of the State of Colorado, USA, and disputes go to the courts there unless the law where you live says otherwise.
• You can't transfer your account without our consent; we may transfer these terms as part of a sale or reorganization.
• We're not responsible for delays caused by events beyond our reasonable control.
• We may update these terms and will show the new date at the top.