Terms & Conditions

1. Acceptance of Terms

By accessing or using the The Profits Circle Service, you confirm that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy. If you do not agree with any part of these Terms, you must not use the Service.

2. Eligibility

The Service is intended for users who are at least 18 years of age and who have the legal capacity to enter into binding agreements. By using the Service, you represent that you meet these requirements.

3. Description of Service

The Profits Circle provides software tools for backtesting financial scenarios and generating AI-assisted predictive analytics intended to support long-term household financial planning. The Service is informational and educational in nature. It does not constitute financial, investment, tax, or legal advice, and no output generated by the platform should be treated as a recommendation to buy, sell, or hold any financial instrument.

4. No Financial Advice

Nothing provided through the Service — including backtested results, projections, charts, or AI-generated commentary — constitutes professional financial advice. You should consult a qualified, licensed financial advisor before making any financial decisions. The Profits Circle and its operators are not registered investment advisors unless explicitly stated otherwise through a separately executed agreement.

5. Risk Disclosure

Backtested and simulated results are based on historical data and modeling assumptions. They do not guarantee, predict, or imply future performance. Financial markets are inherently volatile and unpredictable, and all investment and planning decisions carry risk, including the potential loss of principal. You acknowledge and accept that any reliance on information provided by the Service is done entirely at your own risk.

6. User Accounts

Certain features of the Service may require you to create an account. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us promptly of any unauthorized use of your account.

7. Acceptable Use

You agree not to misuse the Service, including but not limited to: attempting unauthorized access to systems or data, reverse-engineering or redistributing proprietary models and tools, using the Service for unlawful purposes, or interfering with the normal operation of the platform.

8. Intellectual Property

All content, software, models, designs, and materials associated with the Service are the property of The Profits Circle or its licensors and are protected by applicable intellectual property laws. No license or right is granted to you other than the limited right to use the Service in accordance with these Terms.

9. Subscription and Payment

Where the Service is offered on a paid or subscription basis, applicable fees, billing cycles, and renewal terms will be presented at the point of purchase. You are responsible for ensuring payment information remains accurate and current. Failure to pay applicable fees may result in suspension or termination of access.

10. Third-Party Data and Services

The Service may incorporate or reference third-party data sources, APIs, or integrations. The Profits Circle does not control and is not responsible for the accuracy, availability, or reliability of third-party data, and any reliance on such data is at your own discretion.

11. 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. The Profits Circle does not warrant that the Service will be uninterrupted, error-free, or free of harmful components.

12. Limitation of Liability

To the fullest extent permitted by applicable law, The Profits Circle, its affiliates, officers, employees, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or financial opportunity, arising out of or related to your use of or inability to use the Service, even if advised of the possibility of such damages.

13. Indemnification

You agree to indemnify and hold harmless The Profits Circle and its affiliates from any claims, damages, liabilities, and expenses arising out of your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

14. Termination

The Profits Circle reserves the right to suspend or terminate access to the Service, with or without notice, for conduct that violates these Terms or is otherwise harmful to other users, The Profits Circle, or third parties, at its sole discretion.

15. Changes to the Service and Terms

The Profits Circle may modify, suspend, or discontinue any part of the Service at any time. These Terms may also be updated periodically to reflect changes in functionality, legal requirements, or business practices. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the applicable governing jurisdiction, without regard to conflict of law principles. The specific jurisdiction should be defined and inserted here based on where The Profits Circle is formally established.

17. 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.

18. Contact

Questions regarding these Terms should be directed through the contact channels designated on the The Profits Circle website.

Last updated: this document is a general template and does not reflect a specific effective date. It should be reviewed by qualified legal counsel prior to publication to ensure compliance with applicable regulations in your operating jurisdiction.