Terms of Service

1. Acceptance of Terms

By accessing or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms and any policies referenced herein, including the Privacy Policy. If you do not agree with any part of these Terms, you must discontinue use of the Service immediately.

2. Description of Service

Amplio Creditian provides automated, AI-assisted portfolio monitoring, risk analysis, and rebalancing tools intended to support long-term investment decision-making. The Service does not constitute personalized financial, legal, or tax advice, and no output generated by the Service should be interpreted as a guarantee of future performance or outcome.

3. Eligibility and Account Registration

Use of the Service may require creation of an account. You agree to provide accurate, current, and complete information during registration and to maintain the accuracy of such information. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.

4. Subscription, Fees, and Billing

Certain features of the Service may be offered on a subscription or fee basis. Applicable fees, billing cycles, and payment terms will be presented at the time of purchase. Fees are generally non-refundable except where required by applicable law or expressly stated otherwise at the point of sale.

5. No Investment Advice

Nothing provided through the Service — including dashboards, risk scores, alerts, or rebalancing suggestions — constitutes investment, legal, or tax advice. You are solely responsible for evaluating the suitability of any decision made in connection with your use of the Service. Past or simulated performance is not indicative of future results.

6. User Responsibilities

You agree not to misuse the Service, including by attempting unauthorized access, interfering with normal operation, reverse-engineering underlying systems, or using the Service for any unlawful purpose. Amplio Creditian reserves the right to suspend or terminate access for conduct that violates these Terms.

7. Intellectual Property

All content, software, design elements, and materials associated with the Service are the property of Amplio Creditian or its licensors and are protected by applicable intellectual property laws. No license is granted to you except the limited right to access and use the Service in accordance with these Terms.

8. Third-Party Data and Services

The Service may incorporate data feeds, integrations, or services provided by third parties. Amplio Creditian does not warrant the accuracy, completeness, or availability of third-party data and is not responsible for interruptions or errors originating from external providers.

9. 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, or non-infringement. Amplio Creditian does not warrant that the Service will be uninterrupted, error-free, or free of harmful components.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Amplio Creditian and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or investment value, arising out of or in connection with your use of the Service, even if advised of the possibility of such damages.

11. Indemnification

You agree to indemnify and hold Amplio Creditian harmless from any claims, liabilities, damages, or expenses arising from your use of the Service, your violation of these Terms, or your violation of any applicable law or third-party right.

12. Termination

Amplio Creditian may suspend or terminate your access to the Service at any time, with or without notice, for conduct that is believed to violate these Terms or is otherwise harmful to other users or the Service itself. You may discontinue use of the Service at any time.

13. Changes to These Terms

These Terms may be updated periodically to reflect changes in the Service, legal requirements, or operational practices. Material changes will be indicated by updating the effective date below. Continued use of the Service 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 applicable in the jurisdiction where Amplio Creditian operates, without regard to conflict-of-law principles. This section is a placeholder and should be finalized with jurisdiction-specific legal guidance.

15. Contact

Questions regarding these Terms may be directed through the contact channels listed on the Contact page of this website.