Terms & Conditions

1. Acceptance of Terms

By 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, which is incorporated herein by reference. Ridge Vermhaven may update these Terms from time to time, and continued use of the Service after changes are posted constitutes acceptance of the revised Terms.

2. Description of Service

Ridge Vermhaven provides AI-assisted data analysis and informational tools intended to support users in exploring financial planning scenarios and decision-making. The Service is provided for general informational purposes only and does not constitute financial, legal, tax, or investment advice. Outputs generated by the Service are based on data and assumptions provided by the user and should not be relied upon as a substitute for advice from a qualified professional.

3. Eligibility

You must be at least 18 years old 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.

4. User Accounts and Information

Certain features of the Service may require you to submit personal or financial information. You are responsible for ensuring that any information you provide is accurate and for maintaining the confidentiality of any credentials associated with your use of the Service. Ridge Vermhaven is not responsible for losses arising from unauthorised access resulting from your failure to safeguard your information.

5. Acceptable Use

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

• Use the Service for any unlawful purpose or in violation of any applicable regulation;
• Attempt to gain unauthorised access to the Service, its systems, or related networks;
• Interfere with or disrupt the integrity or performance of the Service;
• Reproduce, duplicate, copy, sell, or exploit any portion of the Service without express written permission;
• Submit false, misleading, or fraudulent information through the Service.

6. Intellectual Property

All content, design elements, text, graphics, logos, and software associated with the Service are the property of Ridge Vermhaven or its licensors and are protected by applicable intellectual property laws. No part of the Service may be reproduced, distributed, or used for commercial purposes without prior written consent.

7. No Professional Advice

Nothing provided through the Service should be construed as financial, legal, tax, or investment advice. Any decisions you make based on information or outputs obtained through the Service are made at your own discretion and risk. We recommend consulting a qualified, independent professional before making any financial or legal decisions.

8. Disclaimer of Warranties

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. Ridge Vermhaven does not warrant that the Service will be uninterrupted, error-free, or free from inaccuracies.

9. Limitation of Liability

To the fullest extent permitted by law, Ridge Vermhaven, its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill, arising out of or in connection with your use of, or inability to use, the Service, regardless of the legal theory on which such liability is based.

10. Indemnification

You agree to indemnify and hold harmless Ridge Vermhaven and its affiliates from any claims, damages, liabilities, costs, or expenses (including reasonable legal fees) arising out of your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

11. Third-Party Links and Services

The Service may contain links to third-party websites or services that are not owned or controlled by Ridge Vermhaven. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

12. Termination

Ridge Vermhaven reserves the right to suspend or terminate your access to the Service at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, Ridge Vermhaven, or third parties, or for any other reason at our discretion.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Ridge Vermhaven operates, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision will be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

15. Changes to These Terms

Ridge Vermhaven may revise these Terms at any time by updating this page. We encourage you to review these Terms periodically to stay informed of any changes. Your continued use of the Service following the posting of revised Terms constitutes your acceptance of those changes.

16. Contact

If you have questions about these Terms, please get in touch via the contact details provided on our Contact page.

Last updated: this document is a general template and should be dated and finalised upon legal review prior to publication.