Terms and Conditions

1. Acceptance of Terms

By creating an account, accessing our website, or otherwise using the Service, you confirm that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. These Terms apply to all visitors, users, and others who access the Service.

2. Description of Service

Hezorqalavo provides AI-assisted data analysis and informational tools intended to support decision-making around long-term family financial planning. The Service is provided for general informational purposes only and does not constitute financial, legal, tax, or investment advice. Any decisions made based on information or output from the Service are made at your own discretion and risk.

3. Eligibility and Accounts

You must be at least 18 years old to use the Service. When you create an account, you agree to provide accurate and complete information and to keep this information up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us promptly if you suspect any unauthorized use of your account.

4. Acceptable Use

You agree not to misuse the Service. This includes, without limitation, agreeing not to:

• Use the Service for any unlawful purpose or in violation of any applicable regulation;
• Attempt to gain unauthorized access to any part of the Service, other accounts, or related systems;
• Interfere with, disrupt, or place undue burden on the Service's infrastructure;
• Reverse engineer, decompile, or attempt to extract the underlying models or source code of the Service;
• Use automated means to scrape, copy, or redistribute content from the Service without prior written consent;
• Upload or transmit content that is unlawful, defamatory, infringing, or harmful.

5. Subscriptions, Trials, and Payment

Certain features of the Service may be offered through a free trial period followed by a paid subscription. Specific pricing, billing frequency, and trial terms will be presented to you at the point of sign-up. Unless otherwise stated, subscriptions renew automatically at the end of each billing cycle until cancelled. You may cancel your subscription at any time through your account settings or by contacting us; cancellation will take effect at the end of the current billing period. Hezorqalavo reserves the right to change pricing with reasonable advance notice.

6. Intellectual Property

The Service, including its software, design, text, graphics, and other content (excluding any content you submit), is owned by Hezorqalavo or its licensors and is protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the Service for its intended purpose. No other rights are granted to you by implication or otherwise.

7. User Content

If you submit, upload, or input data into the Service ("User Content"), you retain ownership of that content. You grant Hezorqalavo a limited license to process, store, and use that content solely for the purpose of operating and improving the Service. You are responsible for ensuring you have the right to submit any content you provide and that it does not violate any third-party rights.

8. No Financial Advice Disclaimer

Nothing provided through the Service should be interpreted as financial, legal, tax, or investment advice. Hezorqalavo is not a licensed financial advisor, broker, or planner. Outputs generated by the Service are based on data analysis and automated processes and may contain errors, omissions, or inaccuracies. You should consult with a qualified professional before making any financial or investment decisions.

9. Disclaimer of Warranties

The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. Hezorqalavo does not warrant that the Service will be uninterrupted, error-free, or completely secure.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Hezorqalavo and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill arising out of or in connection with your use of, or inability to use, the Service, even if advised of the possibility of such damages. Hezorqalavo's total aggregate liability for any claim arising from these Terms or the Service shall not exceed the amount you paid to Hezorqalavo in the twelve (12) months preceding the claim.

11. Indemnification

You agree to indemnify and hold harmless Hezorqalavo and its affiliates from any claims, damages, liabilities, costs, or expenses (including reasonable legal fees) arising from your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

12. Termination

Hezorqalavo may suspend or terminate your access to the Service at any time, with or without notice, if we reasonably believe you have violated these Terms or engaged in conduct that may harm Hezorqalavo, other users, or third parties. You may also terminate your account at any time by contacting us or using the account controls provided. Upon termination, your right to use the Service will immediately cease.

13. Changes to the Service and Terms

Hezorqalavo reserves the right to modify, suspend, or discontinue any part of the Service at any time. We may also update these Terms from time to time. Material changes will be communicated through the website or by other reasonable means. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Hezorqalavo operates, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction, unless otherwise required by applicable law.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Hezorqalavo regarding the use of the Service and supersede any prior agreements or understandings, whether written or oral.

17. Contact

If you have any questions about these Terms, please reach out via the contact details provided on our Contact page.

Last updated: this document is a template and should be dated and reviewed before publication.