Terms of Service

Last updated: September 2026

These terms govern the use of greymatterknowledge.com and every product sold on it, including the AI Risk Analysis Toolbox assessment, the Risk Analysis and Plan report, the Healthy AI Habits circle, the personal consultation and the book Deep Thinking in the Age of AI. By using this site or buying a product on it, you agree to these terms.

1. Who you are dealing with

Grey Matter Knowledge is the trading name of Grey Matter Consulting Ltd, an International Business Company registered in the Republic of Seychelles under company number 247899. Every product on this site is sold under this trading name.

Payment for every product is processed by Paddle.com Market Limited (Paddle), which acts as the seller of record for each transaction. This means the charge on your bank or card statement shows Paddle, not Grey Matter Consulting Ltd. Paddle is also responsible for calculating and collecting the tax that applies in your country. Paddle's own terms, at paddle.com/legal/checkout-buyer-terms, govern the payment itself, alongside these terms, which govern the product and the service.

2. The products

The free assessment

Answering the AI Risk Analysis Toolbox questionnaire and viewing your profile chart, band and top three sections is free and needs no account. An email address and your consent to a short communication statement are required before the profile is shown, as explained in the Privacy Policy.

The Risk Analysis and Plan

This is a personal report, generated from your questionnaire answers, delivered by email as a PDF, usually within a few hours of payment and always within one working day. It is a one-off purchase with no subscription attached.

The Healthy AI Habits circle

This is a paid membership, billed monthly or yearly, giving access to a fortnightly live session, recordings of past sessions and a member forum. A circle membership renews automatically until you cancel it. You may cancel at any time, though cancellation takes effect at the end of the period you have already paid for, with no partial refund for the unused part of that period.

The personal consultation

This is a one-off, sixty-minute session with the author, booked online after payment through a link sent by email.

The book

Deep Thinking in the Age of AI is sold as a PDF delivered by email, with a paperback and a Kindle edition offered separately once available.

3. Coaching, not medical or psychological treatment

Grey Matter Knowledge offers coaching on working habits. The assessment, the report, the circle and the consultation are educational services. They are not medical, psychological or clinical assessments or treatment. None of them diagnoses any condition. If your use of AI is affecting your health, speak to a health professional.

4. Refunds

The full refund policy is set out on the Refund Policy page, which forms part of these terms.

5. Acceptable use

You may not resell, redistribute or publish the Risk Analysis and Plan report, the book, or any recording from the Healthy AI Habits circle, without written permission. You may not attempt to enter another person's profile code without their permission or to interfere with the operation of the site.

6. Availability and changes

The site, the questionnaire and the report generator are provided as they stand, without a guarantee of uninterrupted availability. Grey Matter Knowledge may update the questionnaire, the report content or the price of any product at any time, though a change in price never applies to a purchase already made.

7. Liability

Grey Matter Knowledge's liability for any claim arising from these terms or from a product sold under them is limited to the amount paid for that product. Grey Matter Knowledge is not liable for any indirect or consequential loss.

8. Governing law

These terms are governed by the law of the Republic of South Africa. Nothing in this clause removes a right a consumer holds under the mandatory law of their own country, including any right under the Consumer Protection Act, 68 of 2008, for a South African buyer, or under the equivalent consumer protection law of a buyer in the European Union or the United Kingdom.

9. Contact

Questions about these terms go to francois@greymatterknowledge.com.