📑 Terms of Service

1. Introduction

These Terms of Service (“Terms”) govern your use of our website, platforms, and investment services. By accessing or using our services, you agree to comply with these Terms. If you do not agree, please discontinue use immediately.

2. Eligibility

• You must be at least 18 years old to use our services.
• By registering, you confirm that all information provided is accurate and complete.
• Services are intended for lawful purposes only and may not be used in violation of applicable laws or regulations.

3. Services Provided

• We offer investment products, financial planning tools, and related resources.
• Specific terms may apply to individual plans or portfolios, which will be communicated at the time of enrollment.
• We reserve the right to modify, suspend, or discontinue services at any time.

4. User Responsibilities

• Maintain confidentiality of your account credentials.
• Notify us immediately of any unauthorized access or security breach.
• Use services only for personal or authorized business purposes.
• Refrain from misusing the platform, including attempts to disrupt or compromise security.

5. Investment Risks

• All investments carry risk, including potential loss of principal.
• Past performance does not guarantee future results.
• Clients are responsible for understanding the risks associated with chosen investment plans.
• We do not provide personalized financial advice unless explicitly stated in a separate agreement.

6. Fees & Payments

• Applicable fees will be disclosed prior to enrollment in any plan.
• Payments must be made in accordance with agreed schedules.
• Failure to pay may result in suspension or termination of services.

7. Privacy & Security

• Your personal information is handled in accordance with our [Privacy Policy].
• We employ industry‑standard measures to protect data, but cannot guarantee absolute security.
• By using our services, you consent to the collection and use of data as outlined in our Privacy Policy.

8. Intellectual Property

• All content, trademarks, and materials on our website are owned by the company or licensed for use.
• Users may not copy, distribute, or modify content without prior written consent.

9. Limitation of Liability

• We are not liable for losses resulting from market fluctuations, third‑party actions, or technical failures.
• Our liability is limited to the maximum extent permitted by law.

10. Termination

• We may suspend or terminate accounts that violate these Terms.
• Users may terminate their account at any time by contacting our support team.

11. Governing Law

These Terms are governed by the laws of The New York Court of Appeals. Any disputes will be resolved in the courts of that jurisdiction.

12. Updates

We may update these Terms periodically. Continued use of our services after updates constitutes acceptance of the revised Terms.