Terms and Conditions

1. Acceptance of Terms

By accessing or using the Cartes Capital website ("Site") or any related services (collectively, the "Services"), you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use the Site or the Services.

2. Description of Services

Cartes Capital provides AI-driven data analysis tools intended to support households in reviewing and planning long-term financial security. The information and outputs provided through the Services are for general informational purposes only and do not constitute financial, legal, tax, or investment advice.

3. No Financial Advice

Nothing on the Site or generated by our Services should be interpreted as a recommendation to buy, sell, or hold any financial product, or as a substitute for advice from a qualified, licensed professional. You are solely responsible for evaluating any information provided and for any decisions made based on it. Cartes Capital does not guarantee any specific financial outcome, result, or performance.

4. Eligibility

You must be at least the age of legal majority in your jurisdiction of residence to use the Services. By using the Site, you represent and warrant that you meet this requirement and that you have the legal capacity to enter into these Terms.

5. Account Registration and Security

Certain features of the Services may require you to create an account. You agree to provide accurate, current, and complete information during registration and to keep such information up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us promptly of any unauthorized use of your account.

6. Acceptable Use

You agree not to:

• Use the Services for any unlawful purpose or in violation of any applicable regulation;
• Attempt to gain unauthorized access to any part of the Site, servers, or connected systems;
• Interfere with or disrupt the integrity or performance of the Services;
• Reverse engineer, decompile, or attempt to extract the source code of any software used in the Services;
• Submit false, misleading, or fraudulent information through the Site.

7. Intellectual Property

All content on the Site, including text, graphics, logos, software, and design elements, is the property of Cartes Capital or its licensors and is protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes. No other rights are granted.

8. Fees and Payments

Where any portion of the Services requires payment, applicable fees will be disclosed to you prior to purchase. You agree to provide accurate billing information and authorize us (or our payment processors) to charge the applicable fees. Except where required by law, fees are generally non-refundable.

9. Third-Party Links and Services

The Site may contain links to third-party websites or services that are not owned or controlled by Cartes Capital. We are not responsible for the content, privacy practices, or terms of any third-party sites. Your use of such third-party sites is at your own risk and subject to their respective terms.

10. Disclaimers

The 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, accuracy, or non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or free of harmful components.

11. Limitation of Liability

To the fullest extent permitted by applicable law, Cartes Capital and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising out of or related to your use of, or inability to use, the Services, regardless of the theory of liability.

12. Indemnification

You agree to indemnify, defend, and hold harmless Cartes Capital and its affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your use of the Services or your violation of these Terms.

13. Termination

We reserve the right to suspend or terminate your access to the Services at any time, with or without notice, for conduct that we believe violates these Terms or is otherwise harmful to other users, us, or third parties. You may also discontinue use of the Services at any time.

14. Changes to the Terms

We may update these Terms from time to time to reflect changes in our practices or for legal, regulatory, or operational reasons. Any changes will be posted on this page with a revised "Last updated" date. Your continued use of the Services after any changes constitutes acceptance of the updated Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Cartes Capital operates, without regard to conflict of law principles. [This section should be reviewed and adapted to specify the appropriate governing jurisdiction.]

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

17. Contact Us

If you have any questions about these Terms, please reach out via our contact page.