Terms of Service

These Terms of Service (“Terms”) govern your access to and use of PlanGains (the “Platform”). You accept them when you create an account, and by using the Platform. If you do not agree, do not use the Platform.

1. Who we are

PlanGains is a technology platform that connects subscribers with independent fitness creators (“Creators”) who provide training programs, community, and coaching-style messaging. PlanGains is not a gym, medical provider, or coach. Creators are independent third parties, not employees or agents of PlanGains, and are solely responsible for the programs, content, and messages they provide.

2. Eligibility

You must be at least 18 years old to use the Platform. You confirm this when you create an account, and you confirm that the information you provide is accurate.

3. Your account

You are responsible for keeping your login credentials secure and for all activity under your account. Notify us promptly of any unauthorized use.

4. Subscriptions, billing, and cancellation

Creators set their own subscription prices. Subscriptions are billed monthly in advance through our payment processor (Stripe) and renew automatically until you cancel. PlanGains is the merchant of record: the charge appears on your statement from PlanGains, not from the Creator.

Cancelling

• You can cancel at any time from your profile → Manage subscription. No notice period, no cancellation fee, and you do not need to contact us or the Creator to do it.
• Cancellation takes effect at the end of the period you have already paid for. You keep full access until then, and you are not billed again.

Refunds

• Subscription charges are final, and we do not provide partial or prorated refunds for the current billing period — including for unused time after you cancel, or for periods in which you did not use the Platform.
• We do correct genuine billing errors. If you were charged twice, charged after cancelling, charged without authorisation, or a subscription was plainly not delivered, email support@plangains.com and we will investigate and put it right.
• Please contact us before disputing a charge with your bank. We can almost always resolve a billing problem faster directly, and a bank dispute takes weeks to conclude.
• Nothing in these Terms limits any refund or cancellation rights you have under applicable consumer-protection law.

Creator earnings

• A Creator receives each subscription payment minus PlanGains’ platform fee (15%, or 10% for founding Creators) and the card-processing cost, which is passed through at cost and shown as its own line in the Creator’s earnings.
• Subscribers pay PlanGains, and PlanGains pays each Creator’s share through Stripe. A Creator can sell before finishing Stripe setup: their earnings are held by PlanGains and sent to their Stripe account once setup is complete.
• Creators do not process payments themselves. Where PlanGains issues a refund, or a subscriber’s charge is reversed by their bank (a “chargeback”), the refunded or reversed amount is deducted from that Creator’s earnings or set off against their future earnings — that payment was returned to the subscriber, so it is not earned.
• PlanGains absorbs the dispute fees charged by our payment processor when a subscriber disputes a charge. We do not pass them on to Creators, except where the dispute arises from a Creator’s own fraud, misrepresentation, or repeated abuse.
• PlanGains may issue a refund without the Creator’s agreement where we consider it necessary — for example to resolve a payment dispute, to correct a billing error, or where a subscription was plainly not delivered.

5. The role of Creators

Programs, advice, community posts, and messages come from independent Creators. PlanGains does not author, endorse, or verify the accuracy, safety, or medical soundness of Creator content. Your relationship for coaching is with the Creator, not PlanGains.

6. AI replies

Replies to your messages are written by an AI assistant working for your Creator. Routine replies are sent automatically, without a person reviewing them first. Some wait for your Creator to review — for example a weight the AI can’t check, or a request to change your program — and a Creator can choose to review every reply. Injury messages are handled according to your Creator’s setting, and possible emergencies get a fixed safety message. Your Creator can retract a reply, and a full record of what the AI wrote and what was sent is kept. Replies are not medical advice. The details are in our AI & Health-Data Disclosure.

Reply allowance

Each subscription includes instant AI replies up to an allowance per billing period. If you reach it, AI replies pause for that subscription until your next billing date: your messages still reach your Creator, who answers you personally, and every safety check keeps running. You are never charged extra and never blocked from messaging.

7. Health, safety, and assumption of risk

Fitness activities carry inherent risks. Content on the Platform is for general informational and educational purposes and is not medical advice. Consult a qualified healthcare professional before beginning any exercise or nutrition program, especially if you have an injury or medical condition. You assume all risk arising from your use of programs and advice obtained through the Platform. In a medical emergency, call your local emergency number.

8. Acceptable use

You agree not to misuse the Platform, including: harassing Creators or other users, uploading unlawful or infringing content, attempting to access data you are not authorized to access, or interfering with the Platform’s operation.

9. Intellectual property

Creator programs and content remain the property of the respective Creators. PlanGains and its branding remain the property of PlanGains. You receive a limited, personal, non-transferable license to access content you subscribe to, for your own use only.

10. Disclaimers and limitation of liability

The Platform is provided “as is” without warranties of any kind. To the maximum extent permitted by law, PlanGains is not liable for indirect, incidental, or consequential damages, or for the acts, omissions, advice, or content of Creators.

To the maximum extent permitted by law, PlanGains’ total liability to you for any claim arising from the Platform or these Terms is limited to the greater of the fees you paid through the Platform in the 12 months before the claim, or US$100. Nothing in these Terms limits liability that cannot be limited by law.

11. Indemnification

You agree to indemnify PlanGains against claims arising from your misuse of the Platform or your violation of these Terms.

12. Termination

We may suspend or terminate access for violations of these Terms. You may stop using the Platform at any time.

13. Governing law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada that apply there. Any dispute will be heard by the courts of Ontario, unless the consumer-protection law where you live gives you the right to bring it in your local courts.

14. Changes to these Terms

We may update these Terms. If we change them in a way that matters, we’ll tell you, and continued use after the change means you accept the revised Terms.

15. Contact

Questions about these Terms? Contact us at support@plangains.com.