Terms of Use
Last updated: 14 July 2026
These Terms of Use (the "Terms") are a binding agreement between you and Global Intercultural Consulting LLC ("LEAR", "we", "us") and govern your use of the LEAR website, the LEAR mobile apps, and related services (together, the "Services"). By creating an account, starting a trial, purchasing a subscription, or otherwise using the Services, you agree to these Terms.
For the LEAR iOS app, these Terms are the end-user license agreement (EULA). The "Apple App Store Terms" section below contains additional provisions that apply when the app is downloaded from the App Store.
The Services
LEAR is a software product of Global Intercultural Consulting LLC that provides finance calculators, training content, projects, reports, and an optional AI assistant, available through the LEAR website and mobile apps. The calculator catalog is browsable for free, calculators run free during a 14-day trial, and paid subscriptions keep calculators unlocked and add features such as projects, reports, and the AI assistant.
No Professional Advice
The Services provide informational and educational tools only. Outputs — including calculations, reports, estimates, and AI-generated responses — do not constitute legal, tax, accounting, audit, financial, investment, or other professional advice. You are responsible for verifying all inputs, assumptions, and results, and you should consult a qualified professional before making business or investment decisions.
Your Account
You must provide accurate registration information, keep your credentials secure, and be at least 18 years old (or the age of legal majority in your jurisdiction) to purchase a subscription. You are responsible for all activity under your account.
License
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for your internal business or personal use. For the iOS app, this license is further limited to use on Apple-branded devices that you own or control, as permitted by the Usage Rules set out in the Apple Media Services Terms and Conditions.
Subscriptions, Renewal, and Cancellation
Paid plans (such as Pro and Team) are offered as auto-renewable subscriptions with monthly or annual periods. On iOS, subscriptions are purchased through Apple In-App Purchase and charged to your Apple Account; the price is shown before you confirm the purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. You can manage or cancel iOS subscriptions at any time in your device Settings under your Apple Account subscriptions. Subscriptions purchased on the website are billed through our web payment provider and can be cancelled from your LEAR account.
Free Trial
New users receive a 14-day free trial during which calculators are fully usable. The trial requires no payment and does not convert automatically into a paid subscription unless you purchase one.
Refunds
Purchases made through the Apple App Store are billed and refunded by Apple under Apple's terms; you can request a refund from Apple at reportaproblem.apple.com. Purchases made on the website are handled under our Refund Policy.
Acceptable Use
You may not resell, sublicense, or share access to the Services; copy, scrape, or redistribute the catalog or training content; reverse engineer the Services except where permitted by law; interfere with or disrupt the Services; circumvent access controls or usage limits; or use the Services for any unlawful purpose.
Your Content and Our Intellectual Property
You retain ownership of the data you enter, such as project inputs and report details, and you grant us a license to process it solely to provide the Services. The Services — including the calculators, training content, software, and branding — are owned by Global Intercultural Consulting LLC or its licensors and are protected by intellectual-property laws.
AI Output
AI-generated outputs may be inaccurate, incomplete, outdated, or unsuitable for a particular purpose. You assume all responsibility for reviewing and validating outputs before acting on them.
Disclaimer of Warranties
The Services are 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, accuracy, and non-infringement. We do not warrant that the Services will be uninterrupted or error-free.
Limitation of Liability
To the maximum extent permitted by law, Global Intercultural Consulting LLC will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, or data. Our total liability for all claims relating to the Services is limited to the amounts you paid us in the twelve months before the claim arose.
Indemnification
You will indemnify and hold harmless Global Intercultural Consulting LLC and its officers, employees, and agents from claims, damages, and expenses (including reasonable attorneys' fees) arising from your use of the Services in violation of these Terms or of applicable law.
Termination
You may stop using the Services at any time; cancelling a subscription takes effect at the end of the current billing period. We may suspend or terminate access for breach of these Terms. Sections that by their nature should survive termination (including ownership, disclaimers, limitation of liability, and governing law) survive.
Apple App Store Terms (iOS App)
If you downloaded the app from the Apple App Store, the following also applies: (a) these Terms are concluded between you and Global Intercultural Consulting LLC only, not with Apple, and Apple is not responsible for the app or its content; (b) we, not Apple, are solely responsible for maintenance and support of the app; (c) if the app fails to conform to an applicable warranty, you may notify Apple and Apple will refund the purchase price of the app to you — to the maximum extent permitted by law, Apple has no other warranty obligation, and any other claims are our responsibility; (d) we, not Apple, are responsible for addressing any claims relating to the app, including product-liability claims, claims that the app fails to conform to legal or regulatory requirements, and consumer-protection or similar claims; (e) in the event of a third-party claim that the app infringes intellectual-property rights, we, not Apple, are responsible for the investigation, defense, settlement, and discharge of that claim; (f) you represent that you are not located in a country subject to a U.S. government embargo or designated by the U.S. government as a "terrorist supporting" country, and that you are not on any U.S. government list of prohibited or restricted parties; (g) you must comply with applicable third-party terms of agreement when using the app; and (h) Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.
Governing Law and Disputes
These Terms are governed by the laws of the State of Florida, United States, without regard to conflict-of-law rules. Disputes will be resolved in the state or federal courts located in Palm Beach County, Florida, and to the extent permitted by law each party waives the right to participate in class actions.
Changes to These Terms
We may update these Terms from time to time. Material changes will be reflected by updating the date above and, where appropriate, through in-app or email notice. Continued use of the Services after changes take effect constitutes acceptance.
Operator & Contact
Global Intercultural Consulting LLC
980 N. Federal Highway, Suite 110 PMB 1189
Boca Raton, FL 33432
These terms are governed by the laws of State of Florida, United States, without regard to conflict-of-law principles.