Terms and Conditions

Last updated: [Insert Date]

These Terms and Conditions ("Terms") govern your access to and use of the website and services provided by Ottotax ("Ottotax", "we", "us", or "our"). By accessing or using our website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please discontinue use of the site immediately.

This document is a general template provided for informational purposes and should be reviewed and adapted by a qualified professional before being relied upon as a binding legal agreement.

1. Nature of Our Services

Ottotax provides AI-supported data analysis tools intended to assist users in reviewing retirement portfolio information and identifying patterns relevant to capital protection and informed decision-making. Our services are informational and analytical in nature.

Nothing on this website constitutes financial, investment, tax, or legal advice, nor should it be interpreted as a recommendation to buy, sell, or hold any particular financial instrument. Any outputs generated through our tools should be considered alongside independent professional advice before any decision is made.

2. Eligibility and Account Use

By using our services, you confirm that you are at least 18 years of age and have the legal capacity to enter into these Terms. You are responsible for ensuring that any information you provide to us is accurate, current, and complete.

If any part of our services requires account registration or submission of personal details, you agree to maintain the confidentiality of any credentials associated with your account and to notify us promptly of any unauthorized use.

3. Acceptable Use

You agree not to misuse our website or services. This includes, without limitation, refraining from:

  • Attempting to gain unauthorized access to our systems, data, or networks;
  • Using the website for any unlawful, fraudulent, or harmful purpose;
  • Reproducing, duplicating, copying, or reselling any part of our services without express permission;
  • Interfering with or disrupting the integrity or performance of the website;
  • Submitting false or misleading information through any forms or communication channels.

We reserve the right to suspend or terminate access to our services for any user found to be in breach of these provisions.

4. Intellectual Property

All content on this website, including text, graphics, logos, visual design, and underlying software, is the property of Ottotax or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any part of this website without our prior written consent.

5. No Investment Advice or Guarantee of Outcomes

While our tools are designed with capital protection principles in mind, Ottotax makes no representations or warranties regarding the accuracy, completeness, or reliability of any analysis, output, or recommendation generated by our services. All investments carry inherent risk, including the potential loss of principal, and past performance or analytical modeling is not indicative of future results.

You acknowledge that any decisions made based on information provided through our website are made at your own discretion and risk. We strongly encourage consultation with a licensed financial advisor before making decisions regarding retirement portfolios or other investments.

6. Limitation of Liability

To the fullest extent permitted by applicable law, Ottotax, its affiliates, employees, and representatives shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, our website or services, even if we have been advised of the possibility of such damages.

This limitation applies regardless of the legal theory on which a claim is based, including contract, tort, negligence, or otherwise.

7. Third-Party Links and Services

Our website may contain links to third-party websites or services that are not owned or controlled by Ottotax. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We encourage you to review the terms and privacy policies of any third-party sites you visit.

8. Disclaimers

Our website and services are 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. We do not warrant that the website will be uninterrupted, error-free, or free from harmful components.

9. Modifications to the Terms

We reserve the right to update or modify these Terms at any time without prior notice. Any changes will be effective immediately upon posting to this page, with the "Last updated" date revised accordingly. Your continued use of our website following any changes constitutes acceptance of the revised Terms.

10. Termination

We reserve the right to suspend or terminate your access to our website or services at our sole discretion, without notice, for conduct that we believe violates these Terms or is otherwise harmful to other users, us, or third parties.

11. Governing Law

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

12. Contact Information

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