Plain-English summary: By using Opus 86, you agree to these terms. You own your data. We own the software. You pay monthly, cancel anytime. Don't use the platform for anything illegal or harmful. AI features are tools — they're not financial advice and we're not responsible for decisions made based on AI output.

1Acceptance of Terms

By accessing or using Opus 86 (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service. These Terms constitute a binding agreement between you and Bright Light Ventures LLC ("Company," "we," "us," or "our").

If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2The Service

Opus 86 is a cloud-based customer relationship management (CRM) platform designed for financial advisors. The Service includes contact management, AI-assisted tools, email integration, calendar sync, workflow automation, market data access, and related features accessible at opus86.com.

We reserve the right to modify, suspend, or discontinue any part of the Service at any time. We will provide reasonable notice of material changes.

3Accounts & Access

You must create an account to use the Service. You are responsible for:

  • Maintaining the confidentiality of your login credentials
  • All activity that occurs under your account
  • Notifying us immediately of any unauthorized access at support@opus86.com

You must provide accurate, current, and complete information when creating your account. Accounts may not be shared with or transferred to another person without our written consent.

4Subscription & Billing

Opus 86 is offered on a subscription basis. By subscribing, you authorize us to charge your payment method on a recurring monthly basis.

  • Free Trial: New accounts receive a 7-day free trial. Your card will be charged at the end of the trial unless you cancel beforehand.
  • Pricing: Current pricing is displayed at opus86.com/pricing. We reserve the right to change pricing with 30 days' notice to existing subscribers.
  • Early-Bird Rate: Subscribers who subscribe before June 1, 2026 lock in the introductory rate for as long as their subscription remains active and uninterrupted.
  • Cancellation: You may cancel at any time. Your access continues through the end of the current billing period. No refunds for partial periods.
  • Failed Payments: If a payment fails, we will attempt to retry. Access may be suspended after repeated failures.

All payments are processed by Stripe, Inc. We do not store full credit card numbers.

5Your Data

You own your data. By using the Service, you grant Bright Light Ventures LLC a limited, non-exclusive license to store, process, and display your data solely to provide the Service to you.

We do not sell your data or your clients' data. We do not use your data to train AI models. We do not share your data except with the subprocessors listed in our Privacy Policy, under signed data processing agreements, to provide the Service.

You are solely responsible for ensuring that your use of the Service — including how you store and process client data — complies with applicable laws and regulations, including FINRA rules, SEC regulations, and state privacy laws.

6Acceptable Use

You agree not to use the Service to:

  • Violate any applicable law or regulation
  • Store or transmit any data you do not have the right to use
  • Attempt to gain unauthorized access to any system or network
  • Reverse engineer, decompile, or disassemble any part of the Service
  • Use the Service for any purpose other than lawful financial advisory business operations
  • Resell, sublicense, or transfer access to the Service to any third party without our written consent

We reserve the right to suspend or terminate accounts that violate these terms.

7AI Features

Opus 86 includes AI-powered features, including the Lexi AI assistant, powered by Anthropic's Claude API. You acknowledge and agree that:

  • AI-generated content is provided for informational and productivity purposes only
  • AI output does not constitute financial, legal, investment, or regulatory advice
  • You are solely responsible for reviewing and verifying any AI-generated content before using it with clients or in any professional context
  • We make no warranty regarding the accuracy, completeness, or appropriateness of AI-generated content
Important: Opus 86's AI features are tools to assist your workflow — they do not replace your professional judgment or fiduciary responsibility as a financial advisor. Always review AI-generated emails, summaries, and recommendations before use.

Queries sent to AI features are processed by Anthropic solely to generate responses for you and are not used to train AI models. We are working to put a Zero Data Retention agreement in place with Anthropic; until that agreement is executed, queries are subject to Anthropic's standard limited retention policy (typically up to 30 days) for trust and safety review.

8Intellectual Property

The Service, including its software, design, trademarks, and content, is owned by Bright Light Ventures LLC and protected by intellectual property laws. Nothing in these Terms transfers ownership of the Service to you.

You retain all ownership of data and content you upload to the Service.

9Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, OR NON-INFRINGEMENT.

We do not warrant that: (a) the Service will meet your specific requirements; (b) the Service will be uninterrupted, timely, secure, or error-free; (c) the results obtained from use of the Service will be accurate, reliable, or complete; (d) any errors in the Service will be corrected; or (e) the Service is free of viruses, malicious code, or other harmful components.

AI-Generated Content Disclaimer. Lexi and any other AI features within the Service generate content based on data you provide. ALL AI-GENERATED CONTENT IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE FINANCIAL, LEGAL, INVESTMENT, TAX, OR COMPLIANCE ADVICE. You are solely responsible for independently verifying any AI-generated output before acting upon it. Bright Light Ventures LLC expressly disclaims all liability for decisions made in reliance on AI-generated content.

Regulatory Compliance Disclaimer. The Service is a productivity and CRM tool. It is not registered as investment advisory software with FINRA, the SEC, or any state regulatory authority. Users are solely responsible for ensuring their use of the Service complies with all applicable laws, regulations, and their broker-dealer or RIA compliance requirements.

Third-Party Services. The Service integrates with third-party services including Google, Microsoft, Broadvoice, Stripe, and others. We are not responsible for the availability, accuracy, or security of third-party services. Your use of third-party services is governed by their respective terms and privacy policies.

10Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL BRIGHT LIGHT VENTURES LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY:

  • INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES;
  • LOSS OF PROFITS, REVENUE, DATA, BUSINESS, GOODWILL, OR ANTICIPATED SAVINGS;
  • DAMAGE TO REPUTATION OR LOSS OF CLIENTS;
  • COST OF SUBSTITUTE GOODS OR SERVICES;
  • DATA BREACH, UNAUTHORIZED ACCESS, OR SECURITY INCIDENT AFFECTING YOUR DATA OR YOUR CLIENTS' DATA;
  • REGULATORY FINES, PENALTIES, OR COMPLIANCE FAILURES ARISING FROM YOUR USE OF THE SERVICE;
  • ERRORS, INACCURACIES, OR OMISSIONS IN AI-GENERATED CONTENT;
  • INTERRUPTION, SUSPENSION, OR TERMINATION OF THE SERVICE;

WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Aggregate Liability Cap. OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL FEES ACTUALLY PAID BY YOU TO US IN THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE DATE THE CLAIM AROSE, OR (B) ONE HUNDRED DOLLARS ($100.00 USD).

Essential Basis. The limitations of liability in this section are a fundamental element of the basis of the bargain between Bright Light Ventures LLC and you. The Service would not be provided without such limitations.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for incidental or consequential damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

11Indemnification

You agree to indemnify, defend, and hold harmless Bright Light Ventures LLC, its officers, directors, employees, agents, and successors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or relating to:

  • Your use of or access to the Service;
  • Your violation of these Terms;
  • Your violation of any applicable law, regulation, or third-party right (including FINRA rules, SEC regulations, or state securities laws);
  • Any data, content, or information you submit through the Service, including your clients' personal and financial information;
  • Any claim by your clients, prospects, or third parties arising from your use of AI-generated content or recommendations produced by the Service;
  • Any data breach or security incident caused by your negligence, misuse, or failure to maintain appropriate security practices;
  • Your failure to obtain proper compliance approval from your broker-dealer or RIA before using the Service.

We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims.

12Data Security; Your Responsibilities

We implement commercially reasonable technical and organizational measures to protect your data, including encryption in transit and at rest, access controls, and use of SOC 2-certified infrastructure providers (Supabase, Vercel).

However, you are solely responsible for:

  • Maintaining the confidentiality of your account credentials and access tokens;
  • All activity that occurs under your account;
  • Obtaining any required consent from your clients before storing their personal or financial information in the Service;
  • Compliance with applicable data protection laws (including GLBA, CCPA, and applicable state privacy laws) with respect to your clients' data;
  • Promptly notifying us at support@opus86.com if you suspect unauthorized access to your account.

No method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security. In the event of a data breach affecting your account, we will notify you as required by applicable law and cooperate reasonably in any investigation.

13Dispute Resolution; Arbitration

Informal Resolution. Before initiating any formal proceeding, you agree to contact us at support@opus86.com and attempt to resolve the dispute informally for at least 30 days.

Binding Arbitration. If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules. The arbitration shall take place in Los Angeles, California. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Class Action Waiver. YOU AND BRIGHT LIGHT VENTURES LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

Exceptions. Either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights.

14Termination

You may cancel your subscription at any time from your account settings. We may suspend or terminate your account immediately and without notice if you: violate these Terms; fail to pay fees when due; use the Service in a manner that creates legal liability for us or harms other users; or if we discontinue the Service.

Upon termination, your right to access the Service ends immediately. Your data is retained for 30 days after cancellation for export purposes, then permanently deleted. See our Privacy Policy for details. Sections 9–13 of these Terms survive termination.

15Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Subject to the arbitration clause above, any disputes not subject to arbitration shall be resolved exclusively in the state or federal courts located in Los Angeles County, California, and you consent to personal jurisdiction in those courts.

16General Provisions

Entire Agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Bright Light Ventures LLC regarding the Service and supersede all prior agreements.

Severability. If any provision of these Terms is found unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force.

No Waiver. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction.

Force Majeure. We shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including cyberattacks, natural disasters, government actions, or third-party service failures.

Changes to Terms. We may update these Terms at any time. We will provide at least 14 days' notice of material changes via email or in-app notification. Continued use of the Service after changes take effect constitutes acceptance.

17Contact

For questions about these Terms:

  • Email: support@opus86.com
  • Mail: Bright Light Ventures LLC, 15760 Ventura Blvd, 7th Floor, Encino, CA 91436