Terms and Conditions
Last updated: [Insert Date]
These Terms and Conditions ("Terms") govern your access to and use of the Clear Stowment website, platform, and related services (collectively, the "Services"). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, you must not use the Services. This is a general template and should be reviewed and adapted to reflect your specific business practices and applicable law before publication.
1. Acceptance of Terms
By creating an account, requesting a demo, or otherwise using the Services, you confirm that you have read, understood, and agree to these Terms, along with our Privacy Policy, which is incorporated herein by reference. If you are using the Services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.
2. Description of Services
Clear Stowment provides software tools intended to support analysis and oversight related to retirement portfolios, including risk monitoring and stop-loss related functionality. The Services are provided for informational and operational support purposes only and do not constitute financial, investment, legal, or tax advice. Any decisions made using information derived from the Services remain the sole responsibility of the user or their organization.
3. Eligibility and Account Registration
You must be legally authorized to enter into these Terms and to use the Services in connection with the entity you represent. You agree to provide accurate, current, and complete information when registering for or using the Services, and to keep such information up to date. You are responsible for maintaining the confidentiality of any account credentials and for all activity that occurs under your account.
4. Permitted Use
You agree to use the Services only for lawful purposes and in accordance with these Terms. You shall not: (a) reverse engineer, decompile, or attempt to extract the source code of any part of the Services; (b) use the Services to violate any applicable law or regulation; (c) interfere with or disrupt the integrity or performance of the Services; (d) attempt to gain unauthorized access to the Services or related systems; or (e) use the Services in a manner that infringes the rights of any third party.
5. Demo Requests and Trials
Where Clear Stowment offers a demo, trial, or evaluation period, such access is provided on an as-is basis, may be limited in scope or duration, and may be modified or withdrawn at any time without notice. Participation in a demo or trial does not create any ongoing obligation for either party.
6. Intellectual Property
All content, software, designs, trademarks, and other materials comprising the Services are the property of Clear Stowment or its licensors and are protected by applicable intellectual property laws. Nothing in these Terms grants you any ownership rights in the Services. Any feedback or suggestions you provide regarding the Services may be used by Clear Stowment without restriction or compensation.
7. Data and Content
Any data, documents, or information you submit through the Services ("Customer Data") remains your property. You grant Clear Stowment a limited license to process Customer Data solely for the purpose of providing and improving the Services. You are responsible for ensuring you have the necessary rights and permissions to submit any Customer Data through the Services.
8. Disclaimers
The Services are provided "as is" and "as available" 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. Clear Stowment does not warrant that the Services will be uninterrupted, error-free, or free of harmful components, or that any analysis, output, or recommendation generated by the Services will be accurate, complete, or suitable for any particular purpose.
9. Limitation of Liability
To the maximum extent permitted by applicable law, Clear Stowment, its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or business opportunities, arising out of or in connection with your use of, or inability to use, the Services, even if advised of the possibility of such damages. Clear Stowment's total aggregate liability arising out of or relating to these Terms shall not exceed the amount, if any, paid by you to Clear Stowment for the Services in the twelve (12) months preceding the claim.
10. Indemnification
You agree to indemnify and hold harmless Clear Stowment and its affiliates, officers, and employees from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or related to your use of the Services, your violation of these Terms, or your violation of any rights of a third party.
11. Termination
Clear Stowment may suspend or terminate your access to the Services at any time, with or without notice, if we reasonably believe you have violated these Terms or if continued provision of the Services is no longer commercially or operationally viable. You may discontinue use of the Services at any time. Provisions of these Terms that by their nature should survive termination will continue to apply.
12. Changes to the Services and Terms
Clear Stowment reserves the right to modify, suspend, or discontinue any part of the Services at any time. We may also update these Terms from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. Material changes will be indicated by updating the "Last updated" date above. Continued use of the Services after changes take effect constitutes acceptance of the revised Terms.
13. Third-Party Links and Services
The Services may contain links to or integrations with third-party websites or services that are not owned or controlled by Clear Stowment. We are not responsible for the content, policies, or practices of any third-party websites or services, and your use of such third-party offerings is subject to their respective terms and policies.
14. Governing Law
These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Clear Stowment is established, without regard to its conflict of law principles. Any disputes arising out of or relating to these Terms shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction, unless otherwise required by applicable mandatory law. [Insert specific governing law and jurisdiction details as applicable.]
15. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect, and the invalid or unenforceable provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable.
16. Entire Agreement
These Terms, together with our Privacy Policy and any other agreements expressly referenced herein, constitute the entire agreement between you and Clear Stowment regarding your use of the Services and supersede any prior agreements or understandings, whether written or oral.
17. Contact
If you have questions about these Terms, please reach out through the contact options provided on our website. [Insert preferred contact method and details.]