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. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Description of Service

Thorn Kapsted provides AI-assisted data analysis, information aggregation, and decision-support tools intended to help users organize and interpret data for their own research and evaluation purposes. The Service does not provide financial, legal, investment, tax, or professional advice of any kind, and outputs generated by the Service should not be treated as a substitute for independent judgment or professional consultation.

3. Eligibility and Accounts

You must be able to form a legally binding contract to use the Service. You are responsible for maintaining the confidentiality of any account credentials and for all activity that occurs under your account. You agree to provide accurate information and to promptly update it if it changes. We reserve the right to suspend or terminate accounts that we reasonably believe violate these Terms.

4. Acceptable Use

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

• Attempt to gain unauthorized access to the Service, other accounts, or related systems.
• Use the Service for any unlawful purpose or in violation of applicable regulations.
• Reverse-engineer, decompile, or attempt to extract the underlying methodology of the Service.
• Interfere with or disrupt the integrity or performance of the Service.
• Resell, sublicense, or redistribute the Service without our prior written consent.

5. No Financial or Investment Advice

Any analysis, output, report, or recommendation generated through the Service is provided for general informational purposes only. It should not be construed as personalized financial, legal, tax, or investment advice. Decisions you make based on information obtained through the Service are made at your own discretion and risk. You should seek independent professional advice before making any material decision.

6. Fees and Payment

Certain features of the Service may be offered on a paid basis. Where applicable, pricing, billing frequency, and payment terms will be presented to you at the point of purchase or subscription. You are responsible for providing accurate billing information and for any charges incurred under your account. Fees are generally non-refundable except where required by applicable law or expressly stated otherwise.

7. Intellectual Property

The Service, including its design, text, graphics, software, and underlying technology, is owned by or licensed to Thorn Kapsted and is protected by applicable intellectual property laws. Except for the limited right to use the Service as intended, no rights, title, or interest in the Service are transferred to you.

8. 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 that any analysis or output will be accurate, complete, or suitable for your specific purposes.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Thorn Kapsted and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill, arising from or related to your use of, or inability to use, the Service, even if advised of the possibility of such damages. Our aggregate liability for any claim arising out of these Terms or the Service shall not exceed the amount you paid us, if any, in the twelve months preceding the claim.

10. Indemnification

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

11. Termination

We may suspend or terminate your access to the Service at any time, with or without notice, for conduct that we believe violates these Terms or is otherwise harmful to other users, third parties, or our business interests. You may stop using the Service at any time. Provisions that by their nature should survive termination will continue to apply.

12. Changes to the Service and Terms

We may modify, suspend, or discontinue any part of the Service at any time. We may also update these Terms from time to time. Where changes are material, we will make reasonable efforts to provide notice, such as by updating the "last updated" date below. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Thorn Kapsted operates, without regard to conflict of law principles. This section should be updated to reflect the specific jurisdiction relevant to your business before publication.

14. Contact

If you have questions about these Terms, please reach out through the contact channels provided on our website.