Master User Agreement
v1.2The core agreement governing account access, educational use, user responsibilities, and platform limitations.
Effective: May 7, 2026
Updated: May 7, 2026

Beyond Insightful is an AI-powered educational market simulation and insights platform operated by Plantz Growth Ventures & Holdings, Inc. Nothing on this platform is financial, investment, legal, tax, brokerage, or fiduciary advice.
Important Notice
BEX can help explain policies in plain language, but BEX does not provide legal advice and cannot replace the official policy text or advice from a qualified professional.
Core Platform Notice
Beyond Insightful provides educational simulations only and does not provide financial, investment, legal, tax, or brokerage advice.
Version Notice
Policies may be updated at any time. Users may be required to accept updated versions before continuing to use the platform.
Billing Notice
Subscriptions renew automatically unless canceled before renewal. Due to the digital nature of the platform, all sales are final except where required by law.
Policy Library
The core agreement governing account access, educational use, user responsibilities, and platform limitations.
Effective: May 7, 2026
Updated: May 7, 2026
Operational terms for subscriptions, user conduct, intellectual property, platform access, and service limitations.
Effective: May 7, 2026
Updated: May 7, 2026
Explains what data PGVH collects, how it is used, how legal acceptances are logged, and how users may contact PGVH.
Effective: May 7, 2026
Updated: May 7, 2026
Explains automatic renewals, digital-product refund limitations, cancellation expectations, and chargeback handling.
Effective: May 7, 2026
Updated: May 7, 2026
Defines AI outputs as educational simulations and explains limitations, verification duties, and outcome tracking.
Effective: May 7, 2026
Updated: May 7, 2026
Rules for lawful, respectful, secure, non-abusive use of Beyond Insightful.
Effective: May 7, 2026
Updated: May 7, 2026
Explains market data limitations, third-party sources, delays, and independent verification duties.
Effective: May 7, 2026
Updated: May 7, 2026
Consent to receive legal notices, agreements, billing disclosures, and policy updates electronically.
Effective: May 7, 2026
Updated: May 7, 2026
PGVH's commitment to improving accessibility and receiving accessibility-related feedback.
Effective: May 7, 2026
Updated: May 7, 2026
Copyright notice and takedown process for content believed to infringe intellectual property rights.
Effective: May 7, 2026
Updated: May 7, 2026
Security expectations, responsible disclosure guidance, and account safety responsibilities.
Effective: May 7, 2026
Updated: May 7, 2026
Explains use of cookies, authentication storage, analytics-related storage, and user device settings.
Effective: May 7, 2026
Updated: May 7, 2026