Terms and Conditions
These Terms and Conditions ("Terms") govern your access to and use of the Nguyet Baothinh website, tools, 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 is a general draft template provided for informational purposes only. It does not constitute legal advice and has not been reviewed by legal counsel for any specific jurisdiction. Nguyet Baothinh should have this document reviewed by a qualified professional before relying on it.
1. Acceptance of Terms
By creating an account, accessing our website, or otherwise using any part of the Service, you confirm that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy. If you are using the Service on behalf of a family, household, or other group, you represent that you have the authority to bind that group to these Terms.
2. Description of Service
Nguyet Baothinh provides AI-assisted data analysis and informational tools intended to support long-term financial planning and strategy evaluation. The Service is provided for informational and educational purposes only. Nothing within the Service constitutes personalized financial, investment, tax, or legal advice, and Nguyet Baothinh does not act as a licensed financial advisor, broker, or fiduciary unless separately and expressly agreed in writing.
3. Eligibility
You must be at least 18 years of age and capable of entering into a legally binding agreement to use the Service. By using the Service, you represent and warrant that you meet these requirements and that all information you provide to us is accurate, current, and complete.
4. Account Registration and Security
To access certain features, you may be required to register for an account and provide accurate and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify Nguyet Baothinh promptly of any unauthorized use of your account or any other breach of security.
5. No Financial or Investment Advice
Any analysis, projection, strategy summary, or output generated through the Service is based on data provided by you and general modeling assumptions. Such output is illustrative only and should not be relied upon as a guarantee of any future result. You acknowledge that all financial decisions you make remain your sole responsibility, and we strongly recommend consulting a qualified, independent professional advisor before acting on any information obtained through the Service.
6. Acceptable Use
You agree not to misuse the Service. This includes, without limitation, agreeing not to: (a) attempt to gain unauthorized access to the Service or related systems; (b) use the Service for any unlawful, fraudulent, or deceptive purpose; (c) reverse engineer, decompile, or attempt to extract the underlying methodology or source code of the Service; (d) interfere with or disrupt the integrity or performance of the Service; or (e) use automated means to access the Service without our prior written consent.
7. Intellectual Property
All content, software, design elements, trademarks, logos, and materials made available through the Service are the property of Nguyet Baothinh or its licensors and are protected by applicable intellectual property laws. Except as expressly permitted by these Terms, you may not copy, modify, distribute, sell, or lease any part of the Service without prior written consent.
8. User-Submitted Data
When you submit information to the Service, you grant Nguyet Baothinh a limited, non-exclusive license to process that data solely for the purpose of providing and improving the Service, consistent with our Privacy Policy. You are responsible for ensuring that any data you submit does not violate the rights of any third party.
9. Fees and Payment
Certain features of the Service may be subject to fees as disclosed at the time of purchase or subscription. All fees are presented in the applicable currency and are exclusive of any taxes unless otherwise stated. Nguyet Baothinh reserves the right to modify its pricing structure, provided that reasonable notice is given for any existing subscription.
10. 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 implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Nguyet Baothinh does not warrant that the Service will be uninterrupted, error-free, or free of harmful components.
11. Limitation of Liability
To the fullest extent permitted by applicable law, Nguyet Baothinh and its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or financial opportunity, arising out of or in connection with your use of, or inability to use, the Service, even if advised of the possibility of such damages.
12. Indemnification
You agree to indemnify and hold harmless Nguyet Baothinh, its affiliates, and their respective representatives 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 Service or your violation of these Terms.
13. Termination
Nguyet Baothinh reserves the right to suspend or terminate your access to the Service at any time, with or without notice, for conduct that we believe violates these Terms or is harmful to other users, Nguyet Baothinh, or third parties. You may also discontinue use of the Service and close your account at any time.
14. Changes to the Service and Terms
We may modify, suspend, or discontinue any part of the Service at any time. We may also update these Terms from time to time. Material changes will be communicated through the Service or by other reasonable means. Continued use of the Service after such changes constitutes acceptance of the revised Terms.
15. Third-Party Links and Services
The Service may contain links to third-party websites or services that are not owned or controlled by Nguyet Baothinh. We are not responsible for the content, policies, or practices of any third-party website or service, and inclusion of such links does not imply endorsement.
16. Governing Law
These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Nguyet Baothinh operates, without regard to its conflict of law principles. 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.
17. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect, and the invalid or unenforceable provision shall be deemed modified to the minimum extent necessary to make it enforceable.
18. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Nguyet Baothinh regarding the use of the Service and supersede any prior agreements or understandings, whether written or oral.
19. Contact
If you have any questions regarding these Terms, please reach out through the contact details provided on our website.
Last updated: this document is a general template and should be reviewed and dated appropriately by Nguyet Baothinh prior to publication.