Terms and Conditions

1. Nature of the Service

Level Worthanden provides AI-assisted portfolio analysis, educational content, and general information intended to support individuals reviewing their financial holdings. The Service is designed to inform and organise thinking around capital preservation and considered growth strategies.

The Service does not constitute personalised financial advice, investment recommendations, tax advice, or legal advice. Nothing presented through the Service should be relied upon as a substitute for consultation with a qualified, regulated financial adviser who understands your individual circumstances.

2. Eligibility

By using the Service, you confirm that you are at least 18 years of age and capable of entering into a legally binding agreement. If you are using the Service on behalf of another person or entity, you confirm that you are authorised to accept these Terms on their behalf.

3. No Financial Advice or Guarantee

Any outputs, summaries, projections, or analyses generated through the Service are produced using automated tools and general assumptions. They are illustrative in nature and are not guaranteed to be accurate, complete, or suitable for your particular financial situation.

Level Worthanden makes no representation or warranty regarding future investment performance, capital preservation, or returns. All investments carry risk, including the possible loss of principal, and past performance is not indicative of future results.

4. Use of the Website

You agree to use the Service only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of, this Service by any third party. You must not attempt to gain unauthorised access to any part of the Service, its underlying systems, or related networks.

5. Account and Submitted Information

Where the Service requires you to submit personal or financial information (for example, through a portfolio review request), you agree to provide information that is accurate to the best of your knowledge. You are responsible for maintaining the confidentiality of any credentials associated with your use of the Service.

For details on how submitted information is collected, used, and stored, please refer to our Privacy Policy.

6. Intellectual Property

All content on this website, including text, graphics, logos, and design elements, is the property of Level Worthanden or its licensors and is protected by applicable intellectual property laws, except where otherwise indicated. You may not reproduce, distribute, or create derivative works from this content without prior written permission.

7. Third-Party Links and Services

The Service may contain links to third-party websites or reference third-party tools. Level Worthanden does not control and is not responsible for the content, accuracy, or practices of any third-party sites. Inclusion of such links does not imply endorsement.

8. Limitation of Liability

To the fullest extent permitted by law, Level Worthanden shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or investment value, arising out of or related to your use of, or inability to use, the Service.

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 accuracy, reliability, or fitness for a particular purpose.

9. Indemnification

You agree to indemnify and hold Level Worthanden, its representatives, and affiliates harmless from any claims, losses, liabilities, or expenses arising from your use of the Service or your violation of these Terms.

10. Changes to the Service or Terms

Level Worthanden reserves the right to modify, suspend, or discontinue any part of the Service at any time without prior notice. We may also revise these Terms periodically. Continued use of the Service following any changes constitutes acceptance of the revised Terms. We encourage you to review this page from time to time.

11. Termination

We reserve the right to suspend or terminate your access to the Service, without notice, if we reasonably believe you have violated these Terms or engaged in conduct that is harmful to Level Worthanden or other users.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Level Worthanden operates, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction. This section should be reviewed and confirmed with legal counsel prior to publication.

13. Severability

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

14. Contact

Questions regarding these Terms should be directed through the contact channels made available on this website. Please refer to the footer for current contact details.

This document was last structured as a general template and should be dated upon final review and publication.