Terms of Service

Last updated: [Insert Date]. This is a general draft template and should be reviewed and adapted to reflect your specific business practices and applicable law before publication.

1. Acceptance of Terms

By accessing or using the Cuentavala website, applications, or any related services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Services.

2. Description of Services

Cuentavala provides AI-powered data analysis and decision-support tools intended to assist private investors and families in evaluating information and identifying potential risks. The Services are provided for informational purposes only and do not constitute financial, investment, legal, or tax advice.

3. No Investment Advice

Nothing produced by Cuentavala, including any analysis, output, forecast, or recommendation, should be construed as personalized investment advice or a guarantee of future performance. Users are solely responsible for their own financial decisions and should consult a qualified professional advisor before acting on any information obtained through the Services.

4. Eligibility and Account Responsibilities

You must be at least 18 years of age, or the age of legal majority in your jurisdiction, to use the Services. If you 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 provide accurate and complete information when registering.

5. Acceptable Use

You agree not to misuse the Services. This includes, without limitation, refraining from:

• Attempting to gain unauthorized access to our systems, data, or other users' accounts.
• Reverse engineering, decompiling, or attempting to extract the underlying models or source code of the Services.
• Using the Services for any unlawful, fraudulent, or harmful purpose.
• Reselling, sublicensing, or redistributing the Services without our prior written consent.
• Uploading malicious code or interfering with the normal operation of the platform.

6. Subscription, Fees, and Payment

Certain features of the Services may require payment of fees. Where applicable, fees, billing cycles, and cancellation terms will be presented to you at the time of purchase. We reserve the right to modify our pricing with reasonable advance notice. Unless otherwise stated, fees are non-refundable.

7. Intellectual Property

All content, software, trademarks, logos, and materials associated with the Services are owned by or licensed to Cuentavala and are protected by applicable intellectual property laws. These Terms do not grant you any ownership rights in the Services; you receive only a limited, non-exclusive, non-transferable license to use the Services in accordance with these Terms.

8. Data and Third-Party Information

The Services may incorporate data from third-party sources. We do not guarantee the accuracy, completeness, or timeliness of any such data, and we are not responsible for errors or omissions originating from third-party providers. Your use of the Services is also subject to our Privacy Policy, which describes how we collect and handle personal information.

9. Disclaimers

The Services are 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, and non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or free of harmful components.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Cuentavala and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from or related to your use of the Services, even if advised of the possibility of such damages. Our total aggregate liability for any claim arising out of these Terms shall not exceed the amount paid by you, if any, for the Services during the twelve months preceding the claim.

11. Indemnification

You agree to indemnify and hold harmless Cuentavala, its officers, employees, and affiliates from any claims, damages, liabilities, and expenses arising from your use of the Services or your violation of these Terms.

12. Termination

We may suspend or terminate your access to the Services at any time, with or without notice, if we believe you have violated these Terms or for any other reason at our discretion. You may stop using the Services at any time. Provisions that by their nature should survive termination will remain in effect.

13. Changes to These Terms

We may update these Terms from time to time to reflect changes in our Services or applicable law. We will post the updated Terms on this page with a revised "Last updated" date. Continued use of the Services 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 applicable jurisdiction in which Cuentavala operates, without regard to conflict of law principles. [Insert specific governing jurisdiction as applicable.]

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 Us

If you have any questions about these Terms, please reach out via our contact page.