By accessing or using SOVERN ("the Service"), operated by Blue Chip Holdings Pte. Ltd. ("BCH," "we," "us"), a company incorporated in Singapore, you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.
SOVERN is an AI-powered personal operating system providing negotiation coaching (PACT), life administration tools (VAULT), global relocation intelligence (NOMAD), and market monitoring with emergency planning (HAVEN). The Service uses artificial intelligence to generate advice, scripts, and analysis.
SOVERN does not provide legal advice, financial advice, tax advice, or any form of professional counsel. All content generated by SOVERN, including but not limited to negotiation scripts, contract analysis, jurisdiction-specific legal information, market assessments, and relocation guidance, is for informational purposes only. You are solely responsible for decisions made using this information. We strongly recommend consulting licensed professionals (attorneys, accountants, financial advisors) for matters involving legal rights, financial obligations, or tax positions.
SOVERN uses large language models (LLMs) to generate responses. AI-generated content may contain errors, inaccuracies, or outdated information. While we employ validation systems to cross-check legal claims against jurisdiction-specific databases, no AI system is infallible. You acknowledge that:
AI responses may contain factual errors or "hallucinations" — plausible-sounding but incorrect information. Jurisdiction-specific legal information is provided as general guidance and may not reflect the most recent legislative changes. Contract analysis identifies potential issues but does not replace review by a licensed attorney. Market data displayed in HAVEN may be delayed up to 15 minutes and should not be used as the sole basis for financial decisions.
Free accounts receive limited sessions per month. Paid tiers (Core, Pro, Elite) provide expanded access as described on the pricing page. Subscriptions renew automatically until cancelled. You may cancel at any time; cancellation takes effect at the end of the current billing period. Refund requests are handled on a case-by-case basis within 14 days of charge.
You agree not to use SOVERN to: generate content for illegal purposes; harass, threaten, or defraud others; upload malicious files or attempt to compromise the Service; resell or redistribute AI-generated content commercially without permission; or use PACT scripts to deceive or defraud counterparties in negotiations.
The SOVERN platform, brand, design, and underlying technology are the property of Blue Chip Holdings Pte. Ltd. Content you generate through SOVERN (negotiation scripts, analysis results) is yours. You grant BCH a limited license to process your inputs solely for the purpose of providing the Service. We do not use your inputs to train AI models.
HAVEN provides market monitoring and emergency planning tools — a runway estimate calculated from figures you enter and a 72-hour checklist for a destination you choose. HAVEN does not book, reserve, or arrange travel, accommodation, transport, or any other service, and does not guarantee any specific outcome. SOVERN is not a travel agency and does not assume responsibility for any bookings you make. Emergency exit plans are informational tools, not guaranteed evacuation services.
To the maximum extent permitted by law, BCH's total liability for any claim arising from or related to the Service shall not exceed the amount you paid for the Service in the 12 months preceding the claim. BCH shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities.
These Terms are governed by the laws of the Republic of Singapore. Disputes shall be resolved through arbitration administered by the Singapore International Arbitration Centre (SIAC) under its prevailing rules.
Email address (for account creation and waitlist). Negotiation context you type into PACT (situation descriptions, counterparty responses). Documents you upload for contract analysis (PDFs, images). Subscription and billing information (processed by Stripe; we do not store card numbers). Financial account information, if you choose to connect a bank account to VAULT — account names, balances, and transaction history — accessed through our provider Plaid; we never receive or store your online-banking username or password.
Browser type and language preference. Approximate location (from IP address, used for language and currency detection only). Usage patterns (which modules you use, session frequency). Device type (mobile/desktop).
We do not collect biometric data. We do not record audio (PACT Whisper is text-only). We do not access your camera, contacts, or phone data. We do not track your location beyond IP-based country detection.
To provide the Service: your inputs are sent to AI providers (Anthropic) to generate responses. To improve the Service: aggregate, anonymized usage patterns help us understand which features are used. To communicate: transactional emails (receipts, alerts) and, only with your consent, product updates. To comply with law: we may disclose information if required by legal process.
Your inputs are processed by Anthropic (Claude AI). When you use PACT, VAULT, or any AI feature, your text inputs are sent to Anthropic's API for processing. Anthropic's data usage policy applies to this processing. Anthropic states that API inputs are not used to train their models. We do not send your data to any other AI provider. We do not fine-tune or train models on your data.
If you connect a financial account to VAULT, it is processed by Plaid. Plaid Inc. links to your bank on your behalf. You authenticate directly with Plaid — SOVERN never receives or stores your online-banking username or password. Plaid provides us with account details, balances, and transaction history, which we use solely to power your VAULT audit (recurring-charge detection and spending insights). The access token that maintains the connection is encrypted at rest (AES-256-GCM); balances and transactions are stored in our database to display your audit across sessions. We do not sell this data or use it for advertising, and you can disconnect an account at any time. Your use of this feature is also governed by Plaid's End User Privacy Policy.
Documents uploaded for contract analysis are processed in-memory and are not permanently stored on our servers. PDF text is extracted client-side (in your browser) before being sent to the AI for analysis. After analysis is complete, the extracted text is discarded from server memory. We do not build a database of your contracts or personal documents.
When VAULT document storage is available, uploaded documents will be encrypted client-side using AES-256-GCM before transmission. BCH will not have the ability to read your encrypted documents. Encryption keys will be derived from your account credentials and will not be stored on our servers.
Chat history: stored locally in your browser (localStorage); we do not store your conversation history on our servers. Account data (email, session records) and, where you use those features, VAULT financial data (connected-account details, balances, transactions, and detected recurring charges) and HAVEN exit-plan inputs are stored in our managed database (Neon/PostgreSQL) so those features work across your sessions. Email and account data: retained until you request deletion. Connected financial data: removed when you disconnect the account or delete your account. Billing data: retained as required by Singapore financial regulations (minimum 5 years for tax records). Analytics data: aggregated and anonymized; retained indefinitely in aggregate form.
You have the right to: access your personal data by contacting us. Request deletion of your data ("right to be forgotten"). Export your data in a portable format. Withdraw consent for marketing communications at any time. Lodge a complaint with the Personal Data Protection Commission of Singapore (PDPC) or your local data protection authority.
For users in the European Economic Area (EEA): we comply with the General Data Protection Regulation (GDPR). Our legal basis for processing is legitimate interest (providing the Service) and consent (marketing). For users in California: we comply with the California Consumer Privacy Act (CCPA). We do not sell your personal information.
SOVERN uses only essential cookies and localStorage for: language preference, currency preference, session state, and legal acknowledgment flags. We do not use tracking cookies, advertising cookies, or third-party analytics cookies.
Your data may be processed in the United States (Anthropic's servers for AI processing) and in regions where Vercel (our hosting provider) operates edge servers. These transfers are necessary to provide the Service. We rely on standard contractual clauses and processor agreements to ensure adequate protection.
All data transmitted between your browser and SOVERN is encrypted using TLS 1.3. API calls to Anthropic are encrypted via TLS. No data is transmitted in plaintext.
Client-side data (chat history, preferences) is stored in your browser's localStorage, which is not encrypted by default — avoid entering highly sensitive information into free-text fields. Account and financial data created by using VAULT (bank-connection details, balances, transactions) and HAVEN (exit-plan inputs) are stored in our managed database; the Plaid access token that maintains a bank connection is encrypted at rest with AES-256-GCM, while account and transaction records rely on our database provider's at-rest encryption and access controls rather than end-to-end encryption. VAULT document storage (uploaded files) is not yet available; when it launches it will use the zero-knowledge design described below.
Client-side encryption: documents encrypted in your browser before upload. Zero-knowledge architecture: BCH cannot decrypt your documents. Key derivation: encryption keys derived from your credentials using PBKDF2/Argon2. Server storage: encrypted blobs only; no plaintext ever touches our servers. Deletion: encrypted data permanently deleted within 30 days of account deletion.
When documents are sent to AI for analysis, we implement PII filtering to minimize sensitive data exposure. Names, addresses, and identification numbers are redacted before AI processing where possible. Anthropic does not use our API inputs to train its models without express permission; data is processed and retained according to Anthropic's applicable commercial API data-retention policy.
SOVERN employs a multi-layer validation system to reduce AI errors:
Jurisdiction Database: Legal claims made by PACT are cross-checked against a curated database of jurisdiction-specific legal information covering lease law, employment law, and consumer protection across multiple countries.
Validation Agent: High-stakes responses (contract analysis, jurisdiction-specific advice) are processed through a secondary AI validation pass that compares claims against our legal database and flags discrepancies.
Accuracy Indicators: Validated legal claims are marked with confidence levels. Users are informed when claims could not be verified against our database.
AI cannot guarantee legal outcomes. AI cannot replace a licensed attorney, accountant, or financial advisor. AI cannot predict how a counterparty will respond in a negotiation. AI cannot guarantee the accuracy of market data or geopolitical assessments. AI cannot make legally binding commitments on your behalf.
SOVERN uses Anthropic's Claude AI models. All AI-generated content is clearly identified as AI-generated. We do not present AI output as human-written advice. Our jurisdiction database is maintained by automated agents and may not reflect the most recent legislative changes. We recommend verifying critical legal information with local counsel.
For privacy inquiries, data deletion requests, or legal questions:
Blue Chip Holdings Pte. Ltd.
Email: legal@sovernapp.com
For data protection concerns in the EU, contact our designated representative at the email above with subject line "GDPR Request."