Terms and Conditions
These Terms and Conditions ("Terms") govern access to and use of the Numenor website, software, and related services (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service. This document is a general template and should be reviewed by qualified legal counsel before use.
Last updated: [insert date]
1. Acceptance of Terms
By creating an account, accessing any part of the Service, or clicking to accept these Terms, you confirm that you have read, understood, and agree to be bound by them, along with any policies referenced herein, including our Privacy Policy. These Terms apply to all visitors, users, and others who access the Service.
2. Description of Service
Numenor provides predictive risk intelligence tools and automated drawdown protection features designed to support retirement portfolio monitoring. The Service is informational and operational in nature and does not constitute financial, tax, legal, or investment advice. Outputs produced by the Service are generated using models and data that may be incomplete, delayed, or subject to error.
We reserve the right to modify, suspend, or discontinue any part of the Service, temporarily or permanently, with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.
3. Eligibility and Accounts
You must be of legal age in your jurisdiction and have the authority to enter into these Terms to use the Service. When you create an account, you agree to provide accurate, current, and complete information and to keep it updated. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.
You agree to notify us promptly of any unauthorized use of your account or any other breach of security. Numenor is not liable for any loss or damage arising from your failure to safeguard your login information.
4. No Financial Advice
Nothing provided through the Service should be construed as personalized financial, legal, or tax advice, or as a recommendation to buy, sell, or hold any security or financial instrument. Decisions regarding your portfolio remain your sole responsibility. You should consult a licensed financial advisor before making investment decisions. Capital is at risk, and past performance or modeled scenarios are not indicative of future results.
5. Acceptable Use
You agree not to misuse the Service. Prohibited activities include, without limitation:
6. Fees and Billing
Certain features of the Service may require payment of fees. Where applicable, fees, billing cycles, and renewal terms will be presented to you at the time of purchase or subscription. Unless otherwise stated, fees are non-refundable. We reserve the right to change pricing with reasonable advance notice to active subscribers.
7. Intellectual Property
The Service, including all software, text, graphics, logos, and underlying technology, is owned by Numenor or its licensors and is protected by applicable intellectual property laws. These Terms do not grant you any ownership rights. You are granted a limited, non-exclusive, non-transferable license to use the Service solely for its intended purpose, subject to these Terms.
8. Third-Party Services and Links
The Service may integrate with or link to third-party services, data providers, or websites that are not owned or controlled by Numenor. We are not responsible for the content, accuracy, or practices of any third party. Your use of third-party services is governed by their respective terms and policies.
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, non-infringement, or accuracy of data and modeled outputs. We do not warrant that the Service will be uninterrupted, timely, secure, or error-free, or that any risk-protection features will prevent losses.
10. Limitation of Liability
To the fullest extent permitted by applicable law, Numenor, its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or portfolio value, arising from or related to your use of, or inability to use, the Service, even if advised of the possibility of such damages. Our total aggregate liability for any claim arising from these Terms or the Service shall not exceed the amount paid by you, if any, in the twelve months preceding the claim.
11. Indemnification
You agree to indemnify and hold harmless Numenor and its affiliates from any claims, damages, losses, liabilities, and 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.
12. Termination
We may suspend or terminate your access to the Service at any time, with or without cause or notice, including for conduct that we believe violates these Terms or is harmful to other users, us, or third parties. You may terminate your account at any time by discontinuing use of the Service or contacting us. Provisions that by their nature should survive termination will survive, including ownership provisions, disclaimers, and limitations of liability.
13. Changes to These Terms
We may revise these Terms from time to time. When we do, we will update the "Last updated" date above and, where appropriate, provide additional notice. Continued use of the Service after changes become effective constitutes acceptance of the revised Terms. If you do not agree to the changes, you should stop using the Service.
14. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the applicable jurisdiction in which Numenor operates, without regard to conflict of law principles. [Insert specific governing jurisdiction as applicable.] Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts of that jurisdiction, unless otherwise required by applicable law.
15. Severability and Entire Agreement
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining provisions remain in full force and effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Numenor regarding the Service and supersede any prior agreements.
16. Contact
Questions about these Terms should be directed through the contact channels listed on our Contact page. This page is provided as a general informational draft and does not constitute legal advice or a jurisdiction-specific compliance statement.