Terms of Service
These Terms of Service ("Terms") govern your access to and use of the website, tools, and materials provided by Prudenhood (the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, please discontinue use of the Service.
This is a general draft template provided for informational purposes and should be reviewed and adapted to fit your specific business and jurisdiction before use.
1. Acceptance of Terms
By creating an account, submitting information through our forms, or otherwise using any part of the Service, you confirm that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy. These Terms apply to all visitors, users, and others who access the Service.
2. Description of Service
Prudenhood provides AI-assisted data analysis tools intended to help independent professionals review income patterns, model financial scenarios, and evaluate risk-related insights. The Service is informational in nature and does not constitute financial, investment, tax, or legal advice. Any decisions made based on outputs from the Service are made at your own discretion and risk.
3. Eligibility
You must be at least 18 years of age and capable of entering into a legally binding agreement to use the Service. By using the Service, you represent and warrant that you meet these requirements and that all information you provide is accurate and current.
4. Account Responsibilities
If the Service requires you to create an account, 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 of your account. Prudenhood is not liable for any loss or damage arising from your failure to safeguard your account information.
5. Acceptable Use
You agree not to use the Service for any unlawful purpose, to misrepresent your identity, to attempt to interfere with the proper functioning of the Service, or to reverse-engineer, scrape, or extract underlying models, algorithms, or source materials. You further agree not to submit content that is fraudulent, infringing, or harmful to Prudenhood or any third party.
6. Intellectual Property
All content, branding, software, and materials associated with the Service, excluding content you submit, are the property of Prudenhood or its licensors and are protected by applicable intellectual property laws. No license or right is granted to you except the limited, revocable right to access and use the Service in accordance with these Terms.
7. Data and Submissions
Any information, documents, or data you submit through the Service remain subject to our Privacy Policy. You retain ownership of your submitted data, but you grant Prudenhood a limited license to process such data solely for the purpose of operating and improving the Service.
8. No Professional Advice Disclaimer
Outputs, projections, or insights generated by the Service are provided for general informational purposes only. They do not constitute, and should not be relied upon as, financial, legal, accounting, or tax advice. You should consult a qualified professional before making decisions based on information obtained through the Service.
9. Service Availability
We aim to keep the Service available and functioning properly, but we do not guarantee uninterrupted or error-free access. Prudenhood reserves the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice.
10. Limitation of Liability
To the fullest extent permitted by applicable law, Prudenhood and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising out of or related to your use of or inability to use the Service, even if advised of the possibility of such damages.
11. Indemnification
You agree to indemnify and hold harmless Prudenhood, its officers, employees, and affiliates from any claims, damages, liabilities, and expenses arising from your use of the Service, your violation of these Terms, or your infringement of any third-party rights.
12. Termination
We may suspend or terminate your access to the Service at our discretion, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, third parties, or Prudenhood. Upon termination, your right to use the Service will immediately cease.
13. Changes to These Terms
We may update these Terms from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. Updated Terms will be posted on this page with a revised effective date. 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 of the jurisdiction in which Prudenhood operates, without regard to its conflict of law provisions. Any disputes arising from these Terms or the Service shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction.
15. Severability
If any provision of these Terms is found to be unenforceable or invalid, 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
If you have questions regarding these Terms, please reach out through the contact details provided on our website. We recommend reviewing this page periodically for updates.
Last updated: this document is a general template and should be dated upon formal publication.