1. Acceptance of Terms

By accessing and using this consulting platform ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Use License

Permission is granted to temporarily access and use the Service for personal or commercial consulting purposes. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose without proper licensing
• Attempt to decompile or reverse engineer any software contained in the Service
• Remove any copyright or other proprietary notations from the materials
• Transfer the materials to another person or "mirror" the materials on any other server

3. Data and Privacy

We take your privacy seriously. By using our Service, you agree to:

• Our collection and use of personal information as described in our Privacy Policy
• The storage of your business data on secure cloud infrastructure
• Our use of cookies and similar technologies to enhance user experience
• Data processing necessary for providing consulting services

4. User Accounts

When you create an account with us, you must provide accurate, complete, and current information. Failure to do so constitutes a breach of the Terms. You are responsible for safeguarding your account credentials and for any activities or actions under your account.

5. Service Availability

We strive to maintain high availability of our Service but do not guarantee uninterrupted access. We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time with or without notice.

6. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of our company and its licensors. You retain ownership of any data, reports, or content you create using the Service.

7. Payment and Subscription

For paid services:

• Billing cycles are monthly or annual as selected during subscription
• Payments are processed securely through Stripe
• Subscriptions automatically renew unless cancelled
• Refunds are provided in accordance with our refund policy
• Usage limits apply based on your selected plan

8. Prohibited Uses

You may not use the Service:

• For any unlawful purpose or to solicit others to perform unlawful acts
• To violate any international, federal, provincial or state regulations
• To infringe upon or violate our intellectual property rights
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• To upload or transmit viruses or any other type of malicious code

9. AI-Generated Content

Our Service utilizes AI for various features including analysis, recommendations, and content generation. While we strive for accuracy, AI-generated content should be reviewed and verified before making business decisions. We are not liable for decisions made based solely on AI recommendations.

10. Limitation of Liability

In no event shall our company, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses.

11. Disclaimer

The Service is provided on an "AS IS" and "AS AVAILABLE" basis. We make no warranties, expressed or implied, and hereby disclaim all other warranties including, without limitation, implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

12. Governing Law

These Terms shall be governed and construed in accordance with applicable laws, without regard to its conflict of law provisions. Any disputes shall be resolved through binding arbitration.

13. Changes to Terms

We reserve the right to modify or replace these Terms at any time. Material changes will be notified via email or prominent notice in the Service. Your continued use of the Service after such modifications constitutes acceptance of the updated Terms.

14. Refund Policy

We want you to be satisfied with our Service. Our refund policy is as follows:

• 14-Day Money-Back Guarantee: New subscribers can request a full refund within 14 days of their initial subscription
• Monthly Subscriptions: You may cancel at any time. No refunds for partial months, but you retain access until the end of your billing period
• Annual Subscriptions: Refunds are prorated based on unused months, minus a 10% processing fee, if cancelled within the first 60 days
• Usage-Based Charges: Overage fees and additional services are non-refundable once consumed
• Refund Processing: Approved refunds are processed within 7-10 business days to the original payment method
• Exceptions: Refunds may be denied if terms have been violated or if suspicious activity is detected

To request a refund, contact our support team with your account details and reason for cancellation.

15. Contact Information

If you have any questions about these Terms, please contact us through the support section of the application or via email at support@consultingplatform.com.