Modular Business — Terms of Service

Modular Business is a product of Big Think Labs LLC. Status: Published for launch; not legal advice Version: 1.4 · 2026-09-06 · effective 2026-09-07

These Terms are published so that the Service can be bought and used, and nothing in them is legal advice. Where a fact or a term is still to be settled, it is listed in the appendix at the end of this document rather than left inside the text; the appendix is part of our own record, not part of the agreement.

Changelog

| Version | Date | What changed | | --- | --- | --- | | 1.4 | 2026-09-06 | Craig on the retention clauses, verbatim: "Narrow now." Section 12.5(c) rested on a confirmation that has not happened: it pointed at the provider's API terms for our account and deferred to the Privacy Policy for the part nobody had settled. It now states only what is true today: which provider, that the content of a trial run goes to that provider to produce the run's result, that what the provider keeps of that content and what it may use it for are governed by that provider's own published terms, that those published terms say Anthropic may not train its models on customer content submitted through its services, and that we hold no separate arrangement with that provider about how long the content of a request is kept. The published document is named and dated in the Privacy Policy at Section 8.2, which carries the same change with Sections 4 and 5. Nothing in the clause now says or implies that the provider discards what it receives. The appendix's Section 12.5 item separates what is verified from what still waits, which is the confirmation itself. | | 1.3 | 2026-09-05 | §14.2 states the standard additional-seat price and the promotional discount separately, on Craig's refinement of 2026-09-05: $27 per seat per month, with a $10 per seat per month discount redeemable by subscriptions beginning on or before February 21, 2027, which then remains for as long as the subscription stays active. Written as one price plus a dated offer rather than as two prices, so the clause does not imply the standard price changed. | | 1.2 | 2026-09-05 | §14.2 gains the grandfather clause on Craig's ruling of 2026-09-05: the price you sign up at is your price for as long as your subscription stays active. Written conditionally and never as forever, because a lapse or a cancellation and return is a new subscription at the price then current, and this clause says that in the same breath rather than leaving a reader to discover it. The existing 30-day notice sentence is not removed but is re-framed as the exceptional path it now is: the default is that an active subscription does not move, and notice covers the case where it must. The promise is backed by the billing mechanism rather than an intention — a Stripe Price is immutable, so a subscriber keeps theirs unless deliberately moved, and no code moves anyone. | | 0.1 | 2026-09-04 | First draft, prepared for internal review. | | 0.2 | 2026-09-04 | Adds Section 12 (Sponsored Accounts), covering sponsored personal canvases, connection scope, the house-account trial, and persons named on a gate; adds the brain paragraph to Section 11; renumbers former Sections 12–21 as 13–22. | | 1.0 | 2026-09-05 | Published for launch. The company is named as Big Think Labs LLC. Section 20 becomes binding individual arbitration with a class-action waiver, seated in North Carolina, with a small-claims carve-out and a 30-day opt-out; governing law stays North Carolina. Section 14 gains the diagnostic and subscription terms sold on the pricing page. The trial's figures — 50 runs, 14 days — are settled. Every remaining bracket moves to the appendix, and each sentence that carried one is written in its safest form. | | 1.0, amended | 2026-09-05 | The mailing address inserted in Section 22 on Craig's instruction; no other change. | | 1.1 | 2026-09-05 | Section 12.5(c) names the house AI provider and states that its API terms for our account govern. It previously characterized what that provider does with the content of a trial run — a promise nobody here had confirmed with the provider, in a document a customer is bound by. The Privacy Policy carries the matching change, and the one sentence saying those terms are being confirmed. Separately, on Craig's instruction, this document no longer refers to a legal review: the status line drops it, the appendix is a list of open items rather than a list for a lawyer, and the review itself is tracked on our own decision record instead of on this page. Nothing in the customer-facing obligations changed. |

1. Who This Agreement Is With

These Terms of Service ("Terms") are a contract between you ("Customer," "you") and Big Think Labs LLC, a North Carolina limited liability company with its principal place of business in North Carolina ("Big Think Labs," "we," "us," "our"). Big Think Labs LLC is founded and operated by Craig Mathews. Modular Business is the product; Big Think Labs LLC is the company you are contracting with. These Terms govern access to and use of the Modular Business web application at modularbusiness.co and any related services (collectively, the "Service").

2. Acceptance of Terms

By creating an account, accessing, or using the Service, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you are agreeing on behalf of a company or other legal entity, you represent that you have authority to bind that entity, and "you" refers to that entity. If you do not agree, do not use the Service. We may update these Terms as described in Section 16.

3. What the Service Does

Modular Business lets a business owner model their business as departments and seats, occupy those seats with people, outside firms, or AI agents drawn from any vendor the Customer chooses, and measure the results those seats produce. The Service does not run, host, or execute AI agents itself — agents execute on the Customer's chosen platform, and Modular Business receives reports of the work those agents and people perform ("runs"). Modular Business is a modeling, orchestration-record, and measurement layer, not an AI vendor, employer of record, or agent hosting platform.

4. Accounts

You must provide accurate registration information and keep it current. You are responsible for safeguarding your account credentials and for all activity under your account, except activity resulting from our failure to meet our security obligations under our Privacy Policy, Section 6 (Security). Notify us promptly, using the contact details in Section 22, of any unauthorized use. Accounts are for use by the registered Customer and its authorized personnel, and you must be at least 18 years old to hold one. Where an organization pays for a personal canvas held by an individual, Section 12 governs who holds the account and what the payer may see.

5. Connected Accounts and Third-Party Apps

The Service allows you to connect third-party business applications. These connections are brokered through a third-party connector provider, which holds the OAuth credentials and tokens needed to access your connected applications on your behalf. We store only connection identifiers issued by the connector provider, not your underlying third-party credentials. Your use of connected third-party applications remains subject to those applications' own terms. We are not responsible for the acts or omissions of the connector provider or of any connected third-party application, except as set out in Section 18 (Limitation of Liability).

6. Runs, Ingest, and Agent Reporting

Agents and people acting through the Service report discrete units of work ("runs") to our ingest API using a bearer token issued to your account. A run may include counts, costs, timestamps, and a short free-text description. Free-text fields are automatically processed to redact detectable email addresses and phone numbers before storage, but this is not a guarantee that all personal or sensitive information is removed — do not submit personal, confidential, or regulated data in free-text run fields. You are responsible for the security of bearer tokens issued to your account and for the conduct of anyone who submits runs using them.

7. The Gate and the Refusal List

Certain categories of agent action require an authorized human at a "gate" to approve before the action proceeds. Every recipe offered through the Service begins with a manual approval gate; the Customer's authorized personnel may set each gate to manual, assisted, or automatic. No recipe offered through the Service moves money by default, and no recipe sends communications outside the Customer's business by default; both require the Customer to change the gate deliberately. The Service maintains a published refusal list of uses it will not support, including any unlawful or unethical use. You are responsible for the decisions your authorized personnel make at the gate. A gate may also name persons who are consulted or whose approval is required; Section 12.6 governs those persons and how they are reached. The refusal list governs actions gated within the Service; it does not limit what an agent can do directly on its own platform, outside the Service — see Sections 3 and 10.

8. Acceptable Use

You will not: (a) use the Service to violate any law or third party's rights; (b) attempt to gain unauthorized access to the Service, other accounts, or connected systems; (c) submit malware, or attempt to disrupt, overload, or reverse-engineer the Service; (d) use the Service to build a directly competing product without our written consent; (e) submit content that is unlawful, infringing, or that you lack the right to submit; (f) circumvent the gate or refusal list described in Section 7; or (g) misrepresent the "Listed," "Verified," or "Proven" status of any recipe once the marketplace described in Section 9 is launched. We may suspend or terminate access for violation of this Section, consistent with Section 15.

9. Marketplace (Planned, Not Yet Launched)

We plan to launch a marketplace offering recipes (packaged skills), consultant methods, and provider offers, authored by us, by certified consultants, or by third parties. A recipe may carry a "Listed," "Verified," or "Proven" label. These labels indicate only that stated tests were run and passed; they are never a warranty, guarantee, or prediction of business outcomes. Big Think Labs certifies individual consultants who complete our certification process; it does not certify artifacts (recipes, code, prompts) or outcomes. Marketplace terms, revenue share, listing requirements, and liability allocation will be published as a separate agreement before launch.

10. No Warranty on Agent Actions; Customer Authorization

You, not Big Think Labs, choose which AI vendor, platform, or model powers each agent seat, and you control the credentials, permissions, and scope that platform grants that agent. Big Think Labs makes no warranty regarding the outputs, decisions, or actions of any agent, regardless of vendor. Every gated action (Section 7) requires your authorized personnel's approval before it proceeds; that approval is your decision, not ours. You are solely responsible for reviewing and approving agent actions at the gate and for the consequences of granting an agent access or permissions on its underlying platform.

11. Customer Data Ownership

As between you and Big Think Labs, you own all data you input into the Service, including your business models, canvases, department and seat configurations, and any recipes you author. You grant us a limited license to host, process, and display that data solely to provide and improve the Service, subject to the Privacy Policy. Big Think Labs owns the Service itself: the software, platform, aggregate and de-identified data, and any recipes or templates we author. Sanitized, de-identified run and outcome data retained under our retention policy (Privacy Policy, Section 5) does not, in its de-identified form, identify you or your business.

The brain. You may point the Service at a folder of your own documents — your "brain" — held in your own storage and reached through a connection you own. Those documents stay in your storage: Big Think Labs does not take, hold, or keep a copy of them. What the Service holds is an index of that folder, and the run records of work that read from it. Revoking the connection ends the Service's access to the folder; the index is then deleted or de-identified as described in the Privacy Policy.

12. Sponsored Accounts

An organization may pay for a personal canvas held by an individual — an employee, a contractor, or any other person the organization chooses to sponsor. In these Terms the paying organization is the "Sponsor," the person who holds the canvas is the "Sponsored Individual," and the arrangement is a "Sponsorship." Where a Sponsorship is in place, the Sponsor and the Sponsored Individual are each Customers under these Terms, and this Section 12 governs what each may do on the sponsored canvas.

12.1 The individual holds the account and owns the canvas

The Sponsored Individual is the account holder. As between the Sponsor and the Sponsored Individual, the Sponsored Individual owns the canvas and everything in it — areas, projects, seats, notes, connections, and run records — whoever pays for it. Paying for a canvas does not make the Sponsor the account holder, does not transfer ownership, and grants the Sponsor no license to the canvas beyond the limited rights in Section 12.2. Content on the canvas outside the Sponsor's own work area is confidential to the Sponsored Individual and is not disclosed to the Sponsor by the Service, whether or not the Sponsored Individual works on it during working hours.

12.2 What a Sponsor may see and do

A Sponsor's rights on a sponsored canvas are limited to (a) the seats it holds in its own work area on that canvas, and (b) the run records those seats produce. A Sponsor has no access to any other area, project, seat, connection, note, document, or run record on the canvas, including anything in an area sponsored by a different organization. A Sponsor may not set, change, or inspect gates, cadences, budgets, or any other control outside the seats it holds. Measurement attributes a run to the party whose seat produced it.

12.3 When a Sponsorship ends

A Sponsorship may end for any reason, including the end of employment or engagement, the Sponsor's decision to stop paying, or the Sponsored Individual's decision to leave. When it ends: the Sponsored Individual keeps the canvas and may either convert it to a self-paid personal account at the then-current published price or export it; the Sponsor retains, on its own canvas, the run records of the seats it held; and the link between the two canvases is severed, ending both the Sponsor's access under Section 12.2 and the Sponsored Individual's access to the Sponsor's work area. Connections owned by the Sponsor leave the Sponsored Individual's scope at the same moment, and a seat occupied on one of them must be re-occupied on a connection the Sponsored Individual owns before it can run again.

12.4 Connections and their scope

Every connection — to a third-party application, an AI account, a calendar, a mailbox, or a money feed — has an owner, either a business or an individual. An agent or person occupying a seat may act only on connections owned by the scope of that seat: a business's connections serve the seats in that business's work area, and an individual's connections serve that individual's own areas and projects. The Service does not permit a seat to act on a connection outside its scope, and the occupant switch offers only occupants that are in scope. In particular, an AI account paid for by a Sponsor is not available to the Sponsored Individual's personal areas or projects, and the Sponsored Individual's own accounts are not available to the Sponsor's work. Section 5 governs how connections are brokered and what we store about them.

12.5 Trial on a house AI account

As a limited exception to Section 3, Big Think Labs may offer a trial in which agents run on an AI account held by Big Think Labs (a "house account") rather than on an account you own. During a trial: (a) the house account is a connection owned by Big Think Labs, scoped to the trial, and runs on it are labeled as trial runs and metered against a budget; (b) the trial ends at 50 runs or 14 days, whichever comes first; (c) the house account runs on a single AI provider — Anthropic's Claude, through Claude Code on the house account — and the content a trial run sends to a model goes to that provider to produce that run's result. What that provider keeps of that content, and what it may use it for, are governed by that provider's own published terms rather than by any separate arrangement between it and us: Anthropic's published Commercial Terms of Service, which we read on 2026-09-06, state that Anthropic may not train its models on customer content submitted through its services, and our Privacy Policy at Section 8.2 names that document and its date. We have not obtained any separate contractual commitment from that provider about how long it keeps the content of a request, and neither this Section nor our Privacy Policy says how long it is kept. If we obtain one, we will say so and say what it covers; (d) outbound communications are disabled on a house connection and cannot be enabled at a gate, because Big Think Labs, not you, would be the sender; and (e) no recipe may move money on a house connection, at any gate setting. When the budget is spent or the trial period ends, the house connection leaves scope: each seat occupied on it must be re-occupied on a connection you own before it can run again. Run records from the trial stay on your canvas. Section 10 applies to trial runs as it does to any other, and nothing in a trial makes Big Think Labs the operator of your business.

12.6 Persons named on a gate

A gate may name persons other than its owner: a person who is consulted, heard before the decision, and a person who is approving, without whom the gate does not clear. Where a named person holds an account on the Service, the gate reaches that person in the Service. Where a named person does not hold an account, the Service composes a message and sends it through your own connected accounts: the message is sent from your accounts, as you, at your direction, and Big Think Labs is not the sender. You represent that you have the right to contact each person you name, at the address you give for them, and you are responsible for the content of those messages and for the consequences of sending them. The reply is recorded on the gate as the person's name, the answer, and the date, and forms part of the gate's record.

13. Consultants and Providers (Placeholder)

Certified consultants and third-party providers may offer services through or alongside the Service. Terms governing consultant engagements (including the "explicit grant" mechanism referenced in the Privacy Policy that allows an engaged consultant limited access to your business content) and provider relationships will be set out in a separate Consultant and Provider Agreement.

14. Payment, Billing, and Refunds

Billing is processed through Stripe, and you authorize Stripe to charge the payment method on file for the fees you agree to. Fees are those listed on our pricing page at the time you buy. There are two ways to pay us — a one-off diagnostic and a monthly subscription — and they work differently.

14.1 The diagnostic: a one-off purchase

The diagnostic is a single engagement, bought once, at the price listed on our pricing page (currently $997). It is not a subscription: it does not renew, and buying it starts no recurring charge. A promotional code may reduce the price; where one applies, the reduced amount is the price of that purchase and does not carry over to any later purchase. You may ask for a refund at any time before the diagnostic session is delivered, and we will refund it in full. Once the session has been delivered, the fee is not refundable.

14.2 Subscriptions

Subscriptions are billed monthly in advance, at the tier you choose on our pricing page (currently between $197 and $9,997 a month). There is also a free tier that saves canvases locally in your browser and, once you create an account, to our service. You may cancel at any time. Cancellation takes effect at the end of the month you have already paid for, and you keep access until then; we do not refund a partial month, and we do not prorate. The price you sign up at is your price for as long as your subscription stays active. Additional seats are $27 per seat per month. A promotional discount of $10 per seat per month is available to subscriptions that begin on or before February 21, 2027; where that discount is applied it remains on the subscription for as long as it stays active, and it is not available to subscriptions beginning after that date. If we change what a plan costs, the new price applies to subscriptions that begin after the change; an active subscription does not move to it. A lapse or a cancellation ends that. If your subscription lapses, or you cancel and later return, you subscribe again at the price current at that time — a return is a new subscription and not a continuation of the old one. In the exceptional case where we must change the price of an active subscription, we will give at least 30 days' notice to the email address on your account, and the change will apply only to billing periods that begin after that notice period ends, so you can always cancel before a new price takes effect.

15. Termination

You may stop using the Service and close your account at any time. We may suspend or terminate your access for breach of these Terms, non-payment, or risk to the Service or other users, with notice where reasonably practicable. On termination, your right to use the Service ends; data deletion and retention on termination are governed by the Privacy Policy. Sections that by their nature should survive termination (including Sections 10, 11, 12, 16–21) will survive.

16. Changes to These Terms

We may modify these Terms from time to time. We will provide notice of material changes by posting the updated Terms to the Service and emailing account holders at least 30 days before the change takes effect. Continued use of the Service after the effective date constitutes acceptance. If you do not agree to a change, your remedy is to stop using the Service and cancel your subscription before the change takes effect.

17. Disclaimers

The Service is provided "as is" and "as available." To the maximum extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that measurements, cost calculations, or recipe outcomes will be accurate in every circumstance. Nothing in the Service constitutes legal, financial, tax, or investment advice.

18. Limitation of Liability

To the maximum extent permitted by law, Big Think Labs' total aggregate liability arising out of or relating to these Terms or the Service will not exceed the total fees you paid us in the twelve (12) months preceding the event giving rise to the claim. In no event will Big Think Labs be liable for indirect, incidental, consequential, special, exemplary, or punitive damages, or for lost profits, lost data, or business interruption, even if advised of the possibility of such damages.

19. Indemnification

You agree to indemnify, defend, and hold harmless Big Think Labs and its officers, employees, and agents from claims, damages, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the Service in violation of these Terms; (b) content or data you submit; (c) your connected third-party applications; or (d) actions taken by an agent or person authorized under your account, including actions approved at the gate.

20. Governing Law and Dispute Resolution

Please read this Section carefully. It requires most disputes to be resolved by arbitration on an individual basis, and it limits the way you can bring a claim against us.

Governing law. These Terms are governed by the laws of the State of North Carolina, without regard to conflict-of-law principles.

Binding individual arbitration. Except as set out below, any dispute, claim, or controversy arising out of or relating to these Terms or the Service — whether based in contract, tort, statute, or any other theory — will be resolved by final and binding arbitration rather than in court. The arbitration will be administered by [ARBITRATION PROVIDER, e.g., AAA or JAMS] under its rules in effect when the arbitration begins, before a single arbitrator, and it will be seated in North Carolina. The arbitrator decides the dispute and may award the same individual relief a court could. Judgment on the award may be entered in any court with jurisdiction. You and we each give up the right to a trial by jury.

No class actions. Claims are brought on an individual basis only. Neither you nor we may bring a claim as a plaintiff or class member in any class, collective, consolidated, or representative proceeding, and the arbitrator may not consolidate the claims of more than one person or preside over any form of class proceeding. The arbitrator may award relief only in favor of the individual party seeking it, and only to the extent needed to satisfy that party's own claim. If this paragraph is found unenforceable as to a particular claim or a particular request for relief, that claim or request proceeds in court and the rest of this Section continues to apply to everything else.

Small claims. Either of us may instead bring an individual claim in small-claims court in North Carolina, if the claim qualifies and stays in that court on an individual basis.

Your right to opt out, within 30 days. You may opt out of this arbitration agreement. To do so, send us written notice within 30 days of first accepting these Terms, using the contact details in Section 22, giving your name, the email address on your account, and a clear statement that you are opting out of arbitration. Opting out costs you nothing and changes nothing else in these Terms. If you opt out, or if this arbitration agreement is found not to apply, disputes will be brought in the state or federal courts located in North Carolina, and you and we each consent to the jurisdiction and venue of those courts.

If we change this Section. A change to this Section applies only to disputes arising after it takes effect, on the notice described in Section 16.

21. General

These Terms, together with the Privacy Policy and any separate agreements referenced herein, constitute the entire agreement between you and Big Think Labs regarding the Service. If any provision is found unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign these Terms in connection with a merger, acquisition, or sale of assets.

22. Contact

Questions about these Terms and notices of unauthorized use reach us through the contact details published at modularbusiness.co. Written notices, including a notice opting out of arbitration under Section 20, are sent by mail to Big Think Labs LLC, 1227 August Moon Court, Fuquay-Varina, North Carolina 27526.

Appendix: Open items

This appendix is not part of the agreement. It is the list of facts and terms that have not yet been settled, kept here so that the Terms above read as a customer sees them and nothing open is hidden.

| Where | Open item | | --- | --- | | Section 1 | The registered address of Big Think Labs LLC, and the entity's formation details as they appear on the public record, to be inserted. | | Section 5 | The final connector provider to be confirmed and named. Nango is the planned provider. | | Section 7 | A link to the published refusal list to be added, as an exhibit or a page on the Service. | | Section 9 | Marketplace terms — revenue share, listing requirements, liability allocation — to be drafted as a separate agreement before launch. | | Section 11 | The brain index to be defined precisely: which identifiers, titles, locations, extracted text, summaries, or embeddings are stored, and for how long. Confirm the deletion window on revocation, and whether revocation also ends any cached index held by a subprocessor. | | Section 12 | Whether a separate Sponsor order form or addendum is needed, and whether the Sponsored Individual must accept these Terms in their own name. | | Section 12.1 | Whether any employer right of access arises under applicable employment, work-product, or records-retention law, and whether this Section must yield to it. | | Section 12.2 | Whether a Sponsor is to receive aggregate figures across its own seats only, and whether any sponsor-side audit right is required by the Sponsor's own obligations. | | Section 12.3 | The grace period between the end of a Sponsorship and the canvas reverting to a free or read-only state, and who is notified, when, and by which party. | | Section 12.5 | Verified, and stated in Section 12.5(c): Anthropic's published Commercial Terms of Service, effective June 17, 2025, read 2026-09-06, say Anthropic may not train its models on customer content submitted through its services. Still open: any separate arrangement with that provider about how long the content of a request is kept, which nobody has obtained and which Section 12.5(c) therefore does not claim; and confirmation of which of that provider's published documents governs the house account, since the answer turns on the kind of account it is. To be settled before a trial is offered. Also whether a trial is offered once per Customer, once per canvas, or once per seat, and whether trial terms differ on a sponsored canvas. | | Section 12.6 | Applicable electronic-messaging and consent requirements for messages sent to persons who are not Customers, and whether a notice or an opt-out must be carried in the message. | | Section 13 | The Consultant and Provider Agreement, not yet drafted. | | Section 14 | Final tier names and prices, to agree with the published pricing page; sales tax and VAT handling. | | Section 16 | The notice method and period for changes to these Terms — currently posting plus email, 30 days — to be confirmed. | | Section 18 | Whether exceptions to the liability cap are needed, for example gross negligence, willful misconduct, or breach of confidentiality. | | Section 19 | Whether a reciprocal intellectual-property indemnity from Big Think Labs LLC is appropriate. | | Section 20 | The arbitration administrator to be named — [ARBITRATION PROVIDER, e.g., AAA or JAMS] — with its consumer or commercial rules and its fee schedule confirmed. This is the one bracket left in the customer-facing text, because an arbitration clause has to say who administers it. | | Section 22 | The support, security, legal, and privacy email addresses to be published on the site. The mailing address is inserted (2026-09-05). |