HEADING

Legal document changes

Every published version of our legal documents, newest first, with what changed.

Terms of Service

  • 2026-11-11b · effective 11 November 2026 · announced 28 October 2026 · not yet in effect · material change
    First full Terms of Service, replacing the placeholder page: account, license and acceptable use, purchases and refunds, disclaimers and limitation of liability, California law, binding individual arbitration for most disputes, with a class-action waiver, if you live in the United States (you may opt out within 30 days of first accepting the new Terms), plus the HEADING Product Terms (including the accuracy refund guarantee) and the Subscription Terms.
  • 2026-11-11 · effective 11 November 2026 · announced 28 October 2026 · never in effect (replaced by version 2026-11-11b before its effective date) · material change
    First full Terms of Service, replacing the placeholder page: account, license and acceptable use, purchases and refunds, disclaimers and limitation of liability, California law, binding individual arbitration for most disputes, with a class-action waiver, if you live in the United States (you may opt out within 30 days of first accepting), plus the HEADING Product Terms (including the accuracy refund guarantee) and the Subscription Terms.
  • 2026-10-06 · effective 6 October 2026 · currently in effect
    Service description (not-advice disclaimer) extended with the recommendation disclosure, per counsel conformance review.
  • 2026-09-29 · effective 29 September 2026
    Service description (not-advice disclaimer) reworded: "advisory or fiduciary relationship" became "advisory relationship".
  • 2026-09-01 · effective 1 September 2026
    Pending-section list: the free-trial wording was removed because the 7-day trial no longer exists.
  • 2026-07-17 · effective 17 July 2026
    Initial placeholder page: service description and acceptable use; the remaining sections listed as pending counsel review.

Privacy Policy

  • 2026-11-11b · effective 11 November 2026 · announced 28 October 2026 · not yet in effect · material change
    Minimum age is now 18. We state that we do not train AI models on your questionnaire answers or reports and that our AI provider may not either. Your questionnaire answers and reports are deleted on request or when you delete your account, with copies in backups and at sub-processors kept at most 30 days; billing (7 years), support (3 years) and the record of the Terms and Privacy Policy versions you accepted and your cookie and marketing choices (7 years after your account closes) keep their own periods. Corrections, so the policy matches what HEADING does: income is the figure you enter, not an estimate; we list every questionnaire field we hold (household, children's age bands, profession, employment type, your and your partner's income, healthcare plan and premium, target home price); your answers go to the service providers that run HEADING for us (our AI provider, hosting and database) only so they can produce your estimates and reports on our instructions, and they may not use them for their own purposes; analytics is tied to your account and is not anonymous; we do not sell or share personal information; analyses are deleted automatically after 2 years (free) or 7 years (paid), with four reminders before deletion; our error-monitoring provider deletes error and performance records 30 days after they are recorded (replacing the earlier 90-day and 1-year wording). New: a US state privacy rights section (your rights and how to use them, what we collect); product analytics runs only if you accept it in the cookie banner, and if you already have an account it stays off until you accept; closing the banner without choosing, a Global Privacy Control signal or a Do Not Track signal from your browser counts as not accepting; Tally (our beta research form) and the email provider that hosts our privacy mailbox are now described among the services that handle your data; and a waitlist retention period of 12 months from joining or your last confirmed interest (30 days if you never confirm).
  • 2026-11-11 · effective 11 November 2026 · announced 28 October 2026 · never in effect (replaced by version 2026-11-11b before its effective date) · material change
    Minimum age is now 18. We state that we do not train AI models on your questionnaire answers or reports and that our AI provider may not either. Your questionnaire answers and reports are deleted on request or when you delete your account, with copies in backups and at sub-processors kept at most 30 days; billing (7 years), support (3 years) and the record of the Terms and Privacy Policy versions you accepted and your cookie and marketing choices (7 years after your account closes) keep their own periods. Corrections: income is the figure you enter, not an estimate; your answers go to the service providers that run HEADING for us (our AI provider, hosting and database) only so they can produce your estimates and reports on our instructions, and they may not use them for their own purposes; analytics is tied to your account and is not anonymous; we do not sell or share personal information; analyses are deleted automatically after 2 or 7 years. New: a US state privacy rights section (Do Not Track and Global Privacy Control honoured, your rights and how to use them, what we collect) and a waitlist retention period of 12 months from joining or your last confirmed interest (30 days if you never confirm).
  • 2026-10-16 · effective 16 October 2026 · currently in effect
    No change to what the policy says: versions are now dated (the previous labels 1.0 and 1.1 are retired) and the version block is shared with the other legal pages.
  • 2026-10-11 · effective 11 October 2026
    Added launch-waitlist data: what we collect, the consent basis, and retention.
  • 2026-08-07 · effective 7 August 2026
    Controller shown as HEADING Global Intelligence LLC (registered; "in formation" removed).
  • 2026-08-01b · effective 1 August 2026
    Platform descriptor updated; supervisory-authority wording made neutral (EEA directory).
  • 2026-08-01 · effective 1 August 2026
    Controller changed from the planned Dutch company to HEADING Global Intelligence LLC (in formation).
  • 2026-07-10 · effective 10 July 2026
    Cookies section replaced: first-party cookies and browser storage by category, with a link to the full inventory on the Cookies page.
  • 2026-07-06b · effective 6 July 2026
    Wording change in the data-subject-rights section (DSAR intake).
  • 2026-07-06 · effective 6 July 2026
    Version number, effective date and changelog table added to the policy.
  • 2026-07-05b · effective 5 July 2026
    Privacy contact address changed to [email protected].
  • 2026-07-05 · effective 5 July 2026
    Sub-processor table rewritten: place of incorporation split from where data is stored and processed; PostHog and Resend added.
  • 2026-07-04 · effective 4 July 2026
    Sentry sub-processor location corrected to EU (Frankfurt).
  • 2026-06-03b · effective 3 June 2026
    Rebrand from TERRA to HEADING; controller still a Dutch company in formation.
  • 2026-06-03 · effective 3 June 2026
    Initial policy (published under the TERRA name; controller named as a Dutch company in formation).

Cookie notice

  • 2026-10-26 · effective 26 October 2026 · currently in effect
    The inventory is now complete and shows how long each item is kept. Added: the Google sign-in flow cookies (heading_oauth_consent, heading_oauth_country, next-auth.pkce.code_verifier, next-auth.state), the privacy-choices banner and policy-version items, the dismissal of the home-city offer, PostHog's tab and opt-out-marker items, and the Google and Stripe redirects. Corrected: error monitoring (Sentry) runs in your browser as well as on our servers (it sets no cookies or browser storage; session replay is off). No new processing or sharing of data was introduced; these items were already in use.
  • 2026-10-21 · effective 21 October 2026
    Wording corrected to match what the product does: product analytics is off until you agree where the law requires your permission first, and on until you opt out elsewhere (for example in the United States). No cookie or storage item was added or changed.
  • 2026-09-04 · effective 4 September 2026
    Consent-kit 0.9.0 storage items added (decision, subject, outbox, epoch).
  • 2026-08-01 · effective 1 August 2026
    Added the GPC confirmation toast item.
  • 2026-07-12 · effective 12 July 2026
    Added the notice-at-collection dismissal item (US notice).
  • 2026-07-10 · effective 10 July 2026
    First cookie inventory page, grouped by consent category.