Terms and Conditions

Effective Date: 2025-01-23

1. Acceptance of Terms

By accessing or using our financial forecasting and scenario planning service ("Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you disagree with any part of these Terms, you may not access the Service.

2. Service Description and Financial Disclaimer

OUR SERVICE IS A FINANCIAL FORECASTING AND CALCULATION TOOL ONLY. WE DO NOT PROVIDE PROFESSIONAL FINANCIAL, INVESTMENT, TAX, OR LEGAL ADVICE.

Our Service helps you forecast your personal finances by building scenarios and simplifying the complexity of aggregating multiple income sources, complex fiscal implications, and financial planning calculations. We act solely as a computational and organizational tool and are not responsible for:

All financial decisions, investments, tax planning, and legal matters are your sole responsibility. You should consult with qualified financial advisors, tax professionals, or legal counsel before making any significant financial decisions.

  • The accuracy, completeness, or suitability of any financial calculations or forecasts
  • The outcomes, results, or consequences of any financial decisions you make based on our Service
  • Investment advice, recommendations, or strategies
  • Tax advice, tax planning, or compliance with tax laws and regulations
  • Compliance with financial regulations, securities laws, or other legal requirements
  • Any losses, damages, or financial consequences arising from your use of the Service or decisions made based on it

You are solely responsible for verifying all calculations, consulting with appropriate professionals, and making informed financial decisions based on your own circumstances and judgment.

3. Accuracy and Limitations

While we strive to provide accurate calculations and forecasts:

  • We do not guarantee the accuracy of any calculations, forecasts, or projections
  • Financial markets, tax laws, and regulations change frequently and may affect the accuracy of our calculations
  • It is your responsibility to verify all calculations and consult with qualified professionals
  • We are not liable for any errors, omissions, or inaccuracies in our calculations or forecasts

4. Use of Service

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to use the Service:

  • In any way that violates any applicable federal, state, local, or international law or regulation
  • To impersonate or attempt to impersonate any person or entity
  • To engage in any activity that interferes with or disrupts the Service
  • To attempt to probe, scan, or test the vulnerability of the system or network
  • To submit false, misleading, or fraudulent financial information
  • To use the Service for any commercial purpose not expressly permitted

5. User Accounts and Financial Information

When you create an account with us, you must provide accurate, complete, and current information. You are responsible for:

  • Maintaining the confidentiality of your account and password
  • Providing accurate financial information and data
  • Ensuring you have the legal right to use the Service
  • All activities that occur under your account

6. Privacy and Data Retention

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. We retain user and financial data to facilitate calculations and improve our service, but we will never share or resell your personal information outside our platform.

7. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of our company and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

8. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We specifically disclaim any warranty regarding the accuracy, suitability, or outcome of any financial calculations, forecasts, or projections obtained through our platform.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE.

This limitation includes, but is not limited to, damages arising from financial decisions, investment losses, tax consequences, or any other issues related to your use of the Service or decisions made based on calculations or forecasts provided by our platform.

10. Indemnification

You agree to defend, indemnify, and hold harmless our company and its licensors from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to your violation of these Terms, your use of the Service, or any financial decisions or consequences resulting from your use of the Service.

11. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including breach of these Terms.

12. Changes to Terms

We reserve the right to modify or replace these Terms at any time. It is your responsibility to review these Terms periodically for changes.

13. Governing Law

These Terms shall be governed by the laws of Quebec, Canada, without regard to its conflict of law provisions.

14. Contact Us

If you have any questions about these Terms, please contact us at support@operium.ai.