Terms and Conditions

These Terms and Conditions ("Terms") govern your access to and use of the Chattelance website and any associated tools, dashboards, or services (collectively, the "Service"). This is a general draft provided for informational purposes and should be reviewed by qualified legal counsel before use, as it does not account for jurisdiction-specific requirements.

Last updated: [insert date]

1. Acceptance of Terms

By accessing or using the Chattelance Service, you confirm that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy. If you do not agree with any part of these Terms, you should not use the Service.

2. Description of Service

Chattelance provides AI-assisted portfolio analysis, data visualization, and automated contribution scheduling tools designed to support independent decision-making. The Service is a data analysis and decision-support tool and does not constitute regulated financial, investment, tax, or legal advice. Nothing presented through the Service should be interpreted as a personal recommendation to buy, sell, or hold any particular investment.

3. Eligibility

You must be of legal age in your jurisdiction and have the legal capacity to enter into binding agreements to use the Service. By using the Service, you represent that you meet these requirements and that any information you provide is accurate and current.

4. Account Responsibilities

If an account is required to access certain features, you are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us promptly of any unauthorized use or suspected security breach.

5. No Financial Advice; Capital at Risk

The Service does not provide personalized investment advice and is not a substitute for consultation with a licensed financial advisor. All investment decisions remain solely your responsibility. Capital is at risk, the value of investments can fall as well as rise, and past performance of any model, strategy, or simulation is not a reliable indicator of future results. You should not rely solely on outputs generated by the Service when making financial decisions.

6. Acceptable Use

You agree not to misuse the Service, including but not limited to: attempting unauthorized access to systems or data, reverse-engineering or copying proprietary tools, introducing malicious code, scraping data at scale without consent, or using the Service for unlawful purposes. We reserve the right to suspend or terminate access for any user found in violation of these conditions.

7. Intellectual Property

All content, software, design elements, trademarks, and materials associated with the Service are the property of Chattelance or its licensors and are protected by applicable intellectual property laws. Nothing in these Terms grants you any ownership rights; you are granted a limited, non-exclusive, non-transferable license to use the Service for its intended personal purpose.

8. Third-Party Services and Links

The Service may reference, integrate with, or link to third-party tools, data providers, or websites. Chattelance does not control and is not responsible for the content, accuracy, or practices of any third party. Your use of third-party services is subject to their own terms and policies.

9. Disclaimers

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. We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Chattelance, its affiliates, officers, and employees shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or investment value, arising from or related to your use of, or inability to use, the Service.

11. Indemnification

You agree to indemnify and hold harmless Chattelance and its affiliates from any claims, damages, liabilities, and expenses arising from your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

12. Modifications to the Service and Terms

We reserve the right to modify, suspend, or discontinue any part of the Service at any time without prior notice. We may also revise these Terms periodically; continued use of the Service after changes are posted constitutes acceptance of the updated Terms. We encourage you to review this page periodically.

13. Termination

We may suspend or terminate your access to the Service at our discretion, with or without notice, for conduct that we believe violates these Terms or is otherwise harmful to other users, third parties, or Chattelance's legitimate business interests.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [insert jurisdiction], without regard to its conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in [insert jurisdiction].

15. Severability

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

16. Contact

Questions regarding these Terms may be directed through the contact details listed on our website or in the footer of this page.