Terms and Conditions

1. Acceptance of Terms

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

2. Description of Service

PhospherAI provides informational tools and content intended to assist independent professionals with capital optimisation and predictive risk analysis. The Service is offered for general informational purposes only and does not constitute financial, investment, tax, or legal advice. No content produced or displayed by PhospherAI should be interpreted as a personalised recommendation.

3. No Financial Advice

PhospherAI is not a licensed financial adviser, broker, or regulated financial institution. Any outputs, projections, scores, or insights generated through the Service are illustrative in nature and should not be relied upon as the sole basis for any financial decision. You should consult a licensed and appropriately qualified adviser before making decisions regarding capital allocation, risk exposure, or any other financial matter.

4. Eligibility and Account Responsibility

You must be at least 18 years of age and capable of entering into a legally binding agreement to use the Service. If you create an account or submit information through the Service, you are responsible for ensuring the accuracy of the information provided and for maintaining the confidentiality of any credentials associated with your access.

5. Acceptable Use

When using the Service, you agree not to:

• –Use the Service for any unlawful purpose or in violation of any applicable regulation.
• –Attempt to reverse engineer, copy, or resell any part of the Service without prior written consent.
• –Interfere with the normal operation of the website, including through automated scraping or overloading of systems.
• –Submit false, misleading, or fraudulent information through any form or tool on the Service.

6. Intellectual Property

All content, branding, text, graphics, and software associated with the PhospherAI website, unless otherwise stated, are the property of PhospherAI or its licensors and are protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without express written permission.

7. Third-Party Links and Services

The Service may contain links to third-party websites or reference third-party tools that are not owned or controlled by PhospherAI. We are not responsible for the content, accuracy, or practices of any third-party sites, and inclusion of such links does not imply endorsement.

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. PhospherAI does not warrant that the Service will be uninterrupted, error-free, or free of harmful components.

9. Limitation of Liability

To the fullest extent permitted by applicable law, PhospherAI and its representatives 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, regardless of the legal theory under which such liability is asserted.

10. Indemnification

You agree to indemnify and hold harmless PhospherAI, together with its representatives and affiliates, from any claims, damages, liabilities, and expenses arising out of your use of the Service, your violation of these Terms, or your infringement of any third-party rights.

11. Changes to the Service and Terms

PhospherAI reserves the right to modify, suspend, or discontinue any part of the Service at any time without prior notice. We may also update these Terms periodically to reflect changes in our practices or for legal and regulatory reasons. Continued use of the Service following any update constitutes acceptance of the revised Terms.

12. Termination

We reserve the right to suspend or terminate your access to the Service at our discretion, without notice, if we believe you have violated these Terms or engaged in conduct that may harm PhospherAI, other users, or third parties.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which PhospherAI operates, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts in that jurisdiction, unless otherwise required by applicable consumer protection law.

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, and the remaining provisions will continue in full force and effect.

15. Contact

If you have any questions regarding these Terms, please reach out through the contact details provided on our Contact page.

Last updated: this document is a general placeholder and should be dated and reviewed prior to publication.