Welcome to Experly. These terms are a binding agreement between you and Experly ("Experly", "we", "us"), a company registered in Wyoming, United States. They apply whether you use Experly as an expert, as a client, or simply as a visitor.
Please read section 12 carefully. It limits our liability. Section 15 requires most disputes to be resolved by individual arbitration rather than in court, and limits your ability to bring a class action.
1. Definitions
Expert means a person or business approved by Experly to upload material and offer programs.
Client means a person who answers an expert's questionnaire and receives or purchases a program.
Expert Content means anything an expert uploads or connects: documents, video, audio, transcripts, linked video channels, questionnaires, profile text, images and any other material.
Questionnaire means the set of questions an expert builds to understand a client's situation.
Program means the structured set of lessons, tasks, checkpoints and other elements produced for a specific client from that expert's Expert Content, shaped by that client's questionnaire answers, and approved by the expert before delivery.
Platform means the Experly website, applications and services.
2. Who may use Experly
You must be at least 18 years old and able to enter a binding contract. If you use Experly for an organisation, you confirm you are authorised to bind it.
Experts are additionally subject to an application and approval process. We may approve, decline, or later revoke expert status at our discretion, including where we cannot verify a claimed identity, credential or body of work.
3. What Experly is, and what it is not
Experly is a platform. When a client receives a program from an expert, the substantive relationship is between that client and that expert. Experly provides the tools, hosting, generation pipeline and payment processing.
Experly is not a party to that relationship, does not supervise experts, does not verify the accuracy or quality of Expert Content, and does not employ experts. Experts are independent and are not agents, employees or partners of Experly.
Every program is reviewed and approved by the expert before it reaches the client. The expert is the author responsible for what a client receives.
3.1 Not professional advice
This is important and applies to everyone.
Programs, Expert Content and anything else obtained through Experly are for general educational and informational purposes only. They are not medical, psychological, therapeutic, nutritional, legal, financial, investment, tax or other professional advice, and they do not create a professional relationship of any kind.
Experly hosts experts across categories that include health, fitness, nutrition, mental wellbeing and personal finance. Nothing you receive through those categories substitutes for a qualified professional. Do not disregard, delay or discontinue professional advice because of something in a program. If you may be experiencing a medical or mental-health emergency, contact your local emergency services.
Experts do not diagnose, treat or prescribe through Experly, and must not present themselves as doing so.
4. Accounts
Keep your credentials confidential and tell us promptly at security@experly.io if you believe your account has been accessed without your permission. You are responsible for activity under your account.
Provide accurate information and keep it current. We may suspend or close accounts that contain false information, that are used to impersonate someone, or that are used in breach of these terms.
5. Terms for experts
5.1 You keep ownership of your content
You own your Expert Content. Uploading it to Experly does not transfer ownership.
You grant Experly a worldwide, non-exclusive, royalty-free licence to host, store, reproduce, encrypt, transcribe, segment, index, adapt and process your Expert Content for the purposes of operating the Platform, producing programs for your own clients, and evaluating and improving the quality of the programs the Platform produces, including transmitting it to the service providers listed in our Privacy Policy. This licence exists only so we can run and improve the service. We do not use your Expert Content to train artificial-intelligence models. It ends when you delete the content or close your account, except for copies retained in backups for a limited period, material already delivered to a client under an existing licence, and the quality records described in section 8, which contain no Expert Content.
We do not use your Expert Content to serve other experts, and we do not sell it.
5.2 What you promise about your content
You confirm that you own your Expert Content or have all rights needed to upload it and to have programs produced from it, and that it does not infringe anyone's copyright, trademark, privacy or other rights.
You must not upload material that is unlawful, that you copied from someone else's course or book, that contains another person's confidential or personal information without their permission, or that is listed as prohibited in section 9.
If you connect a third-party account such as a video channel, you confirm you control it and that doing so does not breach that platform's own terms.
5.3 Programs and approval
You control what reaches your clients. A program is produced from your material and that client's answers, and is presented to you for review. It is not delivered until you approve it. Review it properly. You are responsible for what you approve.
5.4 Plans and commission
Plan prices, commission rates and feature limits are set out on our pricing page. Commission is currently 20% on Free, 15% on Pro and 10% on Elite. We may change plan prices, commission rates and the fees described in this section on notice under section 16.
5.5 How each sale is split
When a client buys one of your programs:
- Card processing comes off the top. This is the fee Stripe actually charges for that payment, which depends on the card used. For a card issued in the United States it is currently 2.9% plus 30¢. Cards issued outside the United States cost more.
- Experly's commission is taken from what is left, at the rate for the plan you were on when the sale was made.
- The rest is your share of the sale.
For example, a $19.99 program sold on the Free plan and paid with a US card: processing is $0.88, leaving $19.11. Experly's 20% commission is $3.82. Your share is $15.29.
All amounts are in US dollars and rounded to the nearest cent. Figures shown in your dashboard before a sale are estimates. The amounts in your payout statement are final, subject to section 5.8.
5.6 Stripe account and payout fees
Stripe charges fees for operating your connected account. They currently include:
- a payout fee of 0.25% of each payout plus 25¢;
- $2.00 for each calendar month in which you receive at least one payout; and
- a cross-border fee where your connected account or bank is outside the United States.
These fees relate to your connected account, so you pay them. We deduct them from the payout they relate to and show them in your payout statement. We pass them through at Stripe's published rates with nothing added. If Stripe changes its fees, the amounts we deduct change with them. Payout amounts are rounded down to the cent.
5.7 How and when you are paid
Limited payment collection agent. You appoint Experly as your limited payment collection agent, solely to accept payments from clients for your programs. A client's payment to Experly counts as payment to you, and once Experly receives it the client owes you nothing further for that purchase. Experly holds your share until it is paid to you under this section. Experly is not a bank, does not provide banking or money transmission services, and does not pay interest on amounts it holds.
Stripe Connect. Payouts are made through Stripe Connect. To receive them you must open and keep a Stripe connected account in good standing and accept Stripe's own agreements, which are separate from these terms. Stripe verifies your identity and may require documents. Until your connected account is active, we hold your share and pay it once your account is active.
Timing. We pay out weekly, usually on Monday, for sales that are at least 7 days old. If your balance after all deductions is under $10.00, it rolls over to the following week. When your account closes, we pay any remaining positive balance, whatever the amount. After we send a payout, Stripe and your bank control when it arrives.
Holds. We may delay or withhold a payout while we look into suspected fraud, a possible breach of these terms, an unusual rate of refunds or chargebacks, or where Stripe or the law requires it.
5.8 Refunds, chargebacks and negative balances
Refunds. We decide refund requests from clients in good faith, taking your view into account where practical, and we may refund where the law, card network rules or Stripe require it. If a sale is refunded in whole or in part, your share is reduced by the refunded amount multiplied by your share percentage for that sale (80% on the Free plan). Stripe does not return its processing fee on a refund, so that fee stays shared between you and Experly in the same way as the sale.
Chargebacks. If a client disputes a payment with their bank, your share of the disputed amount is deducted, together with any dispute fees Stripe charges. If the dispute is resolved in our favour, whatever Stripe returns is credited back to you on the same basis.
Negative balances. These deductions come out of your current or future payouts. If they are more than your balance, the difference carries forward and is deducted from later sales. If a negative balance remains for 90 days, or when your account closes, you agree to pay it within 30 days of our invoice, and we may recover it by any lawful means.
5.9 Taxes
You are responsible for your own taxes, for any sales, use or value-added tax on what you sell, and for any professional licensing your field requires. We and Stripe may collect tax information from you and report payments to tax authorities where the law requires.
6. Terms for clients
6.1 What you are buying
You are buying a program built from one specific expert's material, shaped by the answers you give in their questionnaire, and approved by that expert. You are not buying the expert's time unless a one-on-one is explicitly included in what you purchased.
6.2 Your answers are shared with your expert
Your questionnaire answers are used to produce your program and are visible to the expert you chose. Do not enter anything you are not willing to share with them. Your answers are also processed by the service providers described in our Privacy Policy.
6.3 What you may do with a program
Your program is licensed to you personally. You may use it for your own purposes. You may not republish it, resell it, share your access, or use it to build a competing product or to train any model.
The expert retains ownership of the underlying material and of the program itself.
6.4 No guaranteed outcomes
Experts and Experly make no promise about results. What you achieve depends on your circumstances and your own effort. Nothing on the Platform should be read as a guarantee of any specific outcome, income, health or otherwise.
6.5 Payment and refunds
Payment is taken by Experly, through Stripe, at purchase, as limited payment collection agent for the expert (see section 5.7). Prices are set by the expert within the range their plan allows, and are shown before you pay. Your card statement will show Experly.
Because a program is produced specifically for you, purchases are generally final once the program has been generated. If something has gone wrong, contact us at support@experly.io and we will look at it in good faith. Where a legal right to cancel applies in your jurisdiction, that right is unaffected by this paragraph.
7. Payments generally
Payments are processed by Stripe. Experly does not receive or store full card numbers. Your use of payment features is also subject to Stripe's terms and privacy policy.
Subscription plans renew automatically until cancelled. Cancel any time in your dashboard; cancellation takes effect at the end of the current billing period and does not refund the period already paid, unless the law says otherwise.
8. How programs are produced
Programs are produced using automated systems, including third-party providers of automated content-generation and language-processing services. This means:
- Your Expert Content, and client questionnaire answers, are transmitted to those providers for processing. They are named in our Privacy Policy.
- Output is generated automatically and is not reviewed by Experly staff before delivery. It is reviewed and approved by the expert before delivery.
- Quality evaluation. After a program is generated, we may evaluate it, using our own automated scoring tools and the AI providers named in our Privacy Policy (including Google and Anthropic), to measure its quality and improve how the Platform produces programs. An evaluation produces scores, issue types and lesson positions (for example "module 3, lesson 2"). It does not change the program, is not shown to clients, and is not used to make any decision about an expert or a client.
- Who can access content. Our quality and analytics tools show scores, issue types, counts and costs, not program text or questionnaire answers. A limited number of authorised Experly personnel may access Expert Content, programs and questionnaire answers, including through AI tools operated on our behalf, only where needed to evaluate or fix a quality problem, provide support you ask for, keep the Platform secure, enforce these terms, or comply with the law. They are bound by confidentiality obligations.
- Automated output can contain errors, omissions or statements that do not reflect the expert's intent. That is why expert approval exists, and why experts must review properly before approving.
No decision producing a legal or similarly significant effect about you is made by automated means alone.
9. Acceptable use
You must not:
- upload or distribute material that infringes someone else's rights;
- upload unlawful, deceptive, harassing, hateful or sexually explicit material, or material that exploits or endangers a minor;
- present yourself as holding a qualification, licence or credential you do not hold;
- provide or solicit medical diagnosis, treatment, prescription, or crisis intervention through the Platform;
- attempt to access another person's data, probe or test our security, or bypass any access control;
- scrape, harvest or systematically extract data from the Platform;
- use the Platform to train, fine-tune or evaluate any model using another person's content;
- resell, sublicense or white-label the Platform without our written agreement;
- upload malware, or interfere with the operation of the Platform.
We may investigate suspected breaches and may suspend access while we do.
10. Copyright and takedowns
We respect intellectual property rights and expect the same of everyone using Experly.
If you believe material on Experly infringes your copyright, send a notice to dmca@experly.io including: identification of the work; identification of the material and where it is; your contact details; a statement that you believe in good faith the use is not authorised; a statement, under penalty of perjury, that your notice is accurate and you are authorised to act; and your signature.
We will remove or disable access to material that is the subject of a valid notice, notify the expert who posted it, and accept counter-notices. We maintain a repeat-infringer policy and will suspend or terminate accounts that accumulate strikes.
11. Suspension and termination
You may close your account at any time in your settings.
We may suspend or terminate access if you breach these terms, if we are required to by law, if your account presents a security or fraud risk, or if we discontinue the service. Where reasonable and lawful we will give notice.
On termination: your right to use the Platform ends; programs already delivered to clients remain available to those clients for the period they paid for; outstanding expert balances are paid out subject to Stripe's requirements and any deductions under section 5.8; and we handle your data as described in the Privacy Policy.
Sections 3.1, 5.1, 5.6, 5.7, 5.8, 6.3, 12, 13, 14 and 15 survive termination.
12. Disclaimers
The Platform is provided "as is" and "as available". To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and any warranty that the Platform will be uninterrupted, secure, error-free, or that generated output will be accurate or complete.
We do not warrant, endorse or guarantee any expert, any Expert Content, or any program. Any reliance you place on them is at your own risk.
Some jurisdictions do not allow certain disclaimers, in which case they apply to the extent permitted.
13. Limitation of liability
To the fullest extent the law allows, Experly and its officers, employees and suppliers will not be liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, data, goodwill or business opportunity, however caused.
Our total liability arising out of or relating to these terms or the Platform, for all claims combined, will not exceed the greater of the amount you paid to Experly in the twelve months before the event giving rise to the claim, or one hundred US dollars.
Nothing here excludes liability that cannot lawfully be excluded, including for fraud, or for death or personal injury caused by negligence. If you are a consumer in the EU, UK or another jurisdiction with mandatory consumer protections, those protections apply and nothing in these terms removes them.
14. Indemnity
You agree to indemnify Experly against claims, damages and reasonable legal costs arising from your content, your use of the Platform, your breach of these terms, or your violation of anyone's rights. This applies in particular to experts, in respect of Expert Content and of programs delivered to their clients.
15. Disputes
Informal resolution first. Before starting formal proceedings, contact us at legal@experly.io and give us 30 days to resolve it.
Arbitration. If we cannot resolve it, disputes will be settled by binding individual arbitration administered under the rules of a recognised US arbitration provider, seated in Wyoming, rather than in court. You and Experly each waive the right to a jury trial and to participate in a class action. Either of us may still bring an individual claim in small-claims court.
Consumer carve-out. If you are a consumer resident in the European Union, the United Kingdom, or another jurisdiction where mandatory law gives you the right to bring proceedings in your local courts or prohibits pre-dispute arbitration, this section does not apply to you and you keep those rights.
Governing law. These terms are governed by the laws of the State of Wyoming, United States, without regard to conflict-of-laws rules, except where mandatory local consumer law applies to you.
16. Changes to these terms
We may update these terms. When changes are material we will give reasonable notice, by email or in the product, before they take effect, and we will record the version you accepted. Continuing to use Experly after the effective date means you accept the updated terms. If you do not accept them, stop using the Platform and close your account.
Every version is recorded with its effective date so you can see what applied when.
17. General
These terms, with the Privacy Policy and Cookie Policy, are the whole agreement between us on this subject. If a provision is unenforceable, the rest stands. Our not enforcing something is not a waiver. You may not transfer your rights under these terms; we may transfer ours as part of a merger, acquisition or sale of assets, on notice.
18. Contact
Experly General: support@experly.io Legal: legal@experly.io Copyright: dmca@experly.io Security: security@experly.io Privacy: privacy@experly.io