Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your access to and use of the Equiworthen website, applications, and related services (together, 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.

2. Eligibility

You must be at least 18 years old, or the age of legal majority in your jurisdiction, to use the Service. By using Equiworthen, you represent that you meet this requirement and that you have the legal capacity to enter into these Terms.

3. Description of Service

Equiworthen provides data-driven tools intended to help gig economy workers and individual investors organise and review financial and income-related information. The Service is informational in nature and does not constitute financial, investment, tax, or legal advice. Any decisions made based on information provided through the Service are made at your own discretion and risk.

4. Account Registration

To access certain features, you may be required to create an account. You agree to provide accurate, current, and complete information during registration and to keep this information up to date. You are responsible for safeguarding your account credentials and for any activity that occurs under your account. Notify us promptly if you suspect unauthorised use of your account.

5. Acceptable Use

You agree not to misuse the Service. Prohibited activities include, without limitation:

• Attempting to gain unauthorised access to the Service or related systems.
• Uploading or transmitting unlawful, harmful, or infringing content.
• Interfering with or disrupting the integrity or performance of the Service.
• Using automated means to extract data from the Service without permission.
• Reverse engineering, decompiling, or attempting to derive the source code of the Service.

We reserve the right to suspend or terminate access for any account that violates these restrictions.

6. Subscriptions and Payments

Certain features of the Service may require payment of fees. Where applicable, pricing, billing cycles, and cancellation terms will be presented to you at the time of purchase. You are responsible for all charges incurred under your account. Fees are generally non-refundable except as required by applicable law or as otherwise stated at the point of sale.

7. Intellectual Property

The Service, including its software, design, text, graphics, and other content, is owned by or licensed to Equiworthen and is protected by applicable intellectual property laws. Except as expressly permitted, you may not copy, modify, distribute, sell, or lease any part of the Service without prior written consent.

8. User Content

If you submit information, data, or other content to the Service, you retain ownership of that content. By submitting it, you grant Equiworthen a limited, non-exclusive licence to use, store, and process the content solely for the purpose of operating and improving the Service, consistent with our Privacy Policy.

9. Disclaimers

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, or non-infringement. Equiworthen does not warrant that the Service will be uninterrupted, error-free, or completely secure.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Equiworthen and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill arising from your use of or inability to use the Service, even if advised of the possibility of such damages.

11. Indemnification

You agree to indemnify and hold harmless Equiworthen, its officers, employees, and partners from any claims, damages, liabilities, and expenses arising out of your use of the Service, your violation of these Terms, or your infringement of any third-party rights.

12. Termination

We may suspend or terminate your access to the Service at any time, with or without notice, if we believe you have violated these Terms or for other operational reasons. You may stop using the Service and close your account at any time. Provisions that by their nature should survive termination will continue to apply.

13. Changes to the Service and Terms

We may update, modify, or discontinue parts of the Service at our discretion. We may also revise these Terms from time to time. Material changes will be reflected by updating the "Last updated" notice above. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Equiworthen operates, without regard to conflict of law principles. This section is a placeholder and should be finalised with legal guidance appropriate to your specific circumstances.

15. 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.

16. Contact

Questions regarding these Terms should be directed through the contact channels made available on our website. This document is a general template and should be reviewed and adapted to reflect your actual business practices and applicable legal requirements before use.