Terms of Service

Effective Date: May 12, 2026
Last Updated: June 11, 2026

Slim version for closed beta and initial App Store / Play Store launch.

IMPORTANT — PLEASE READ. These Terms include a binding arbitration clause and class-action waiver (Section 14). By using the Service you agree to resolve disputes on an individual basis and to waive your right to a jury trial or to participate in a class action. You may opt out within 30 days of acceptance by following the instructions in Section 14.5.

1. Agreement

These Terms of Service (“Terms”) are a binding agreement between you and Immersion Family Offices LLC, a Minnesota-formed limited liability company (“Fathom,” “we,” “us,” or “our”) governing your use of the Fathom web and mobile applications and any related services (the “Service”). By creating an account or using the Service you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

2. The Service

Fathom generates personalized daily briefings using artificial intelligence based on inputs you provide. Output is produced by large-language models and may contain inaccuracies, omissions, or fabricated citations. You should not rely on any brief as a sole source for any consequential decision (financial, medical, legal, professional, safety, or relationship). Independent verification of any factual claim is your responsibility.

Each brief contains a fixed number of sections (currently five). If you configure more sections than that, they rotate across briefs — pinned and least-recently-shown sections appear over time rather than all at once. Generation is on-demand and subject to usage limits: you may generate up to one brief per day and up to twenty briefs per calendar month. These limits may change; any change will be reflected here and, where applicable, at the point of purchase.

3. Eligibility and account

You must be at least 16 years old to use the Service. You are responsible for the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately of any suspected unauthorized access. We may suspend or terminate accounts that we reasonably believe to be in violation of these Terms. You may delete your account at any time using the “Delete account” option in the web or mobile app, or by emailing jake@immersionfamilyoffices.com.

4. Acceptable use

You agree not to:

Use the Service for any unlawful purpose or in violation of any applicable law or third-party right.
Attempt to interfere with, probe, or disrupt the Service or its infrastructure.
Reverse engineer, decompile, or attempt to extract the source code, prompts, or model weights of the Service or any AI system used by the Service.
Use the Service to generate, store, or distribute harmful, harassing, defamatory, fraudulent, infringing, or unlawful content; content that depicts the sexual exploitation or abuse of children; or content that violates the acceptable-use policies of our AI providers (Anthropic).
Submit personal information about identifiable third parties as inputs without their consent.
Use outputs to make professional decisions (legal, medical, financial, or otherwise).
Use outputs in any context that requires disclosure of AI authorship (e.g., academic, journalistic, or judicial submissions) without that disclosure.
Use the Service to train competing AI models.
Resell, sublicense, or commercially exploit the Service or its output without our written permission.
Use automated means to access the Service or exceed published rate limits.

5. Your content and AI output

You retain ownership of the inputs you submit (“Inputs”). You grant us a worldwide, royalty-free, non-exclusive license to host, process, and use your Inputs solely to operate, improve, and secure the Service consistent with our Privacy Policy.

Your Inputs may include sensitive personal information — for example, your religious beliefs, worldview, or philosophical convictions. Providing such information is voluntary, and by submitting it you consent to our processing it to personalize the Service as described in our Privacy Policy. You can remove it at any time from your Profile screen or by deleting your account.

Subject to your compliance with these Terms, and to the extent permitted by applicable law and our agreements with our AI providers, we assign to you all rights we have, if any, in the briefs generated for you (“Output”). You may use Output for your personal, internal, or non-commercial purposes. Commercial use requires our prior written consent.

We make no warranty that Output is unique, original, accurate, or non-infringing. Any feedback you send us about the Service may be used by us without obligation or compensation.

6. Subscriptions and billing

Access to the Service requires an active paid subscription, purchased through the Apple App Store as an in-app purchase. The current price is $7.99 USD per month, billed monthly; the price and billing cadence are also disclosed at the point of purchase. The subscription renews automatically each month until you cancel.

Billing, renewal, cancellation, and refunds are handled by Apple under the Apple Media Services Terms. Manage or cancel your subscription in your Apple ID Subscriptions settings. Cancellation takes effect at the end of the current billing period; you retain access for the time you have already paid for. We do not offer a free trial.

Refunds for App Store purchases are handled by Apple. If you believe you are entitled to a refund, request one through reportaproblem.apple.com.

7. Intellectual property

The Service — its software, design, brand, and content other than your Inputs and Output — is owned by us or our licensors. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial purposes during the term of your subscription. No other rights are granted.

8. AI-generated content disclaimer

Output is generated by AI models and may include factual inaccuracies, outdated information, fabricated citations, or content that does not reflect our views. We make no representations or warranties as to the accuracy, completeness, or reliability of any Output. You will not represent Output as professional advice, and you will not republish Output containing factual claims about identifiable third parties without first verifying those claims.

9. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE AND ALL OUTPUT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL FATHOM OR ITS AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL ARISING OUT OF OR IN CONNECTION WITH THE SERVICE. OUR AGGREGATE LIABILITY FOR ALL CLAIMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

Nothing in these Terms excludes or limits liability for (i) death or personal injury caused by our negligence, (ii) fraud or fraudulent misrepresentation, (iii) gross negligence or willful misconduct, or (iv) any liability that cannot be lawfully excluded under applicable law. Any claim must be brought within one (1) year after the cause of action arises, or be permanently barred where applicable law allows such a limitation.

11. User indemnification

You agree to defend, indemnify, and hold harmless Fathom and its officers, members, employees, and agents from any third-party claims, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of (a) your use of the Service; (b) your Inputs or use of Output; (c) your violation of these Terms or applicable law; or (d) any claim that your use of Output caused harm to a third party.

12. Termination

You may terminate your account at any time using the in-app delete-account flow. We may suspend or terminate your access if we reasonably believe you have violated these Terms or if your conduct could harm us, our users, or third parties. Sections that by their nature should survive termination (including Sections 4, 5, 7, 8, 9, 10, 11, 13, 14, and 15) will survive.

13. Apple App Store additional terms

The following provisions apply when you use the Fathom application obtained from the Apple App Store, and supplement the rest of these Terms.

13.1 Apple App Store (iOS)

These Terms are between you and Fathom only, and not with Apple. Apple is not responsible for the iOS app or its content.
The license granted to you is limited to a non-transferable license to use the iOS app on Apple-branded products you own or control, as permitted by the Apple Media Services Terms.
Fathom is solely responsible for any maintenance and support of the iOS app; Apple has no such obligation.
If the iOS app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any). Apple has no other warranty obligation; any other claims are Fathom’s sole responsibility.
Fathom, not Apple, is responsible for addressing any claim by you or a third party relating to the iOS app, including product liability claims, claims that the iOS app fails to conform to legal or regulatory requirements, and claims under consumer-protection or privacy law.
In the event of any third-party claim that the iOS app or your use of it infringes that third party’s intellectual-property rights, Fathom is solely responsible for investigation, defense, and discharge of the claim.
You represent that you are not located in a country subject to a U.S. Government embargo or designated as a “terrorist supporting” country, and that you are not on any U.S. Government list of prohibited or restricted parties.
Direct any questions or claims about the iOS app to jake@immersionfamilyoffices.com.
Apple and Apple’s subsidiaries are third-party beneficiaries of these Terms with respect to your license to the iOS app and may enforce these Terms against you.

14. Binding arbitration and class-action waiver

Please read carefully. This section limits how you can seek relief from us and waives your right to a jury trial and to participate in a class action.

14.1 Agreement to arbitrate

You and Fathom agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service (“Dispute”) will be resolved by binding arbitration on an individual basis, except as set out in Section 14.3. The Federal Arbitration Act governs interpretation and enforcement of this Section.

14.2 Informal resolution first

Before initiating arbitration, you and Fathom agree to attempt in good faith to resolve any Dispute for at least sixty (60) days. To start informal resolution, send written notice describing the Dispute and the relief sought to jake@immersionfamilyoffices.com from the email address associated with your account.

14.3 Exceptions

Either party may bring an individual action in small-claims court for any Dispute that qualifies, instead of arbitrating. Either party may also seek injunctive relief in court to protect intellectual-property rights.

14.4 Class-action waiver

YOU AND FATHOM AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS, OR OTHERWISE PRESIDE OVER ANY CONSOLIDATED OR REPRESENTATIVE PROCEEDING.

14.5 30-day opt-out

You may opt out of this Section 14 within thirty (30) days of first accepting these Terms by emailing jake@immersionfamilyoffices.com with the subject “Arbitration Opt-Out” and your account email. If you opt out, neither party will be bound by Section 14, and Section 15 (Governing law and venue) will apply to any Dispute.

14.6 Arbitration procedure

Arbitration will be administered by JAMS under its Streamlined Arbitration Rules (claims under $250,000) or Comprehensive Arbitration Rules (larger claims), supplemented by the JAMS Consumer Minimum Standards. The seat of arbitration is Wilmington, Delaware, and the proceeding will be conducted in English. For claims under $25,000 you may elect to arbitrate by telephone or in writing. Judgment on the award may be entered in any court of competent jurisdiction.

14.7 Severability

If any provision of this Section 14 is held unenforceable, the remainder will continue in effect, except that if the class-action waiver is held invalid in a particular case, that claim alone will be severed from arbitration.

15. Governing law and venue

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles. Subject to Section 14, any action arising out of or related to these Terms that is not subject to arbitration will be brought exclusively in the state or federal courts located in New Castle County, Delaware, and you consent to personal jurisdiction there.

16. Miscellaneous

Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and us regarding the Service and supersede any prior agreements.
Severability. If any provision is held invalid or unenforceable, the remainder of these Terms will remain in effect, and the invalid provision will be modified only to the extent necessary to make it enforceable.
No waiver. Our failure to enforce any right is not a waiver of that right.
Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, financing, or sale of assets.
Force majeure. We are not liable for any failure or delay caused by events beyond our reasonable control, including third-party service-provider outages.
Notices. We may send notices to you by email or in-app. Send notices to us at jake@immersionfamilyoffices.com.
Export and sanctions. You represent that you are not in a U.S.-sanctioned jurisdiction and are not on any U.S. Government prohibited-parties list.
Modifications. We may update these Terms from time to time and will notify you of material changes in advance through in-app notice or email. Your continued use after the effective date constitutes acceptance.

17. Contact

Questions about these Terms: jake@immersionfamilyoffices.com

General support: jake@immersionfamilyoffices.com