Terms of Use for the "Business Advisor" Service

Last Updated: 05.07.2025 Welcome to "Business Advisor" (hereinafter the "Service"), provided by Vaultoria (hereinafter the "Company", "we", "us", or "our"). These Terms of Use (hereinafter "Terms") govern your access to and use of the Service. Please read them carefully. By registering for or using the Service, you agree to these Terms. 1. Description of the Service The "Service" is software that utilizes large language model (LLM) technologies to analyze data provided by the user (hereinafter "Input Data") and automatically generate text-based reports on the basis of such data (hereinafter "Reports"). 2. Registration and Account You must create an account to use the Service. You are responsible for providing accurate and current information and for maintaining the security of your account credentials. All actions performed from your account are considered to have been performed by you. The Service is intended for adult users. By registering, you confirm that you are at least 18 years old. 3. Rights and Obligations of the Parties 3.1. User's Rights and Obligations: ● You undertake to use the Service only for lawful purposes. ● You are solely responsible for the Input Data that you upload to the Service. You warrant that you have all necessary rights to this data and that its use does not violate the rights of third parties or applicable law. ● It is prohibited to upload data containing viruses, malicious code, or any illegal, defamatory, or obscene information. ● You understand and agree that the Reports are generated automatically and may contain inaccuracies, errors, or information that does not meet your expectations. ● The User agrees to indemnify and hold the Company harmless from and against any losses, expenses, and costs arising from the User's breach of the warranties and obligations under these Terms or from the infringement of third-party rights by their Input Data. 3.2. Company's Rights and Obligations: ● We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without prior notice. ● We have the right to block or delete your account in the event of your violation of these Terms. 4. Payment Terms Access to certain features of the Service may require payment in accordance with the selected subscription plan. All payments are processed through Stripe, Google Pay, or Apple Pay. The terms of payment processing are governed by the rules of the respective payment system. Taxes are included unless stated otherwise. Prices may change with 30 days' notice. Users from the EEA may cancel within 14 days; California residents may cancel within 7 days after the first charge. Refunds will be issued within 14 days using the same payment method. 5. Intellectual Property ● On the Service: All rights to the Service, including the software code, design, trademarks, and other intellectual property, belong to the Company. ● On Input Data: You retain all intellectual property rights in the Input Data that you provide to the Service. By providing Input Data, you grant the Company a limited license, solely for the purpose of providing the Service to you, which includes the generation of Reports. ● On Generated Reports: The Company hereby assigns to you all of its right, title, and interest in and to the Reports generated for you by the Service. You may use the Reports for any purpose, including commercial purposes, without any royalties or restrictions from the Company. You acknowledge that under current law (including the laws of the U.S. and EU), works created solely by artificial intelligence may not be eligible for copyright protection and may be considered public domain. You are responsible for the final use of the Report. Reports should not be used as the sole basis for making legal or financial decisions without additional professional advice. ● Service Improvement (AI Training): The Company may use your Input Data and Reports in an anonymized (pseudonymized) form to improve the Service and train our artificial intelligence algorithms only with your explicit and separate consent (Opt-In). You can manage your consent at any time in your account settings. We will not use your data for this purpose without your permission. 6. Disclaimer of Warranties and Limitation of Liability The Service and the generated Reports are provided "as is" and "as available". The Company makes no warranties regarding the accuracy, completeness, reliability, or suitability of the Reports for any specific purpose. You use the information from the Reports at your own risk. The Company shall not be liable for any direct or indirect damages (including lost profits, loss of data, or damage to business reputation) arising from the use or inability to use the Service or the Reports. The Company is liable for willful misconduct and gross negligence; for simple negligence, only in the case of a breach of essential contractual obligations or for damages to life, body, or health. Nothing in these Terms shall limit the inalienable rights you may have under the GDPR, CPRA, LGPD, APPI, or the Privacy Act. 7. Confidentiality Your use of the Service is also governed by our Privacy Policy, which is an integral part of these Terms. 8. Changes to Terms We reserve the right to unilaterally change these Terms. We will notify you of any material changes 30 days in advance via email or through the Service interface. By continuing to use the Service after the changes are made, you agree to the new version of the Terms. 9. Governing Law and Dispute Resolution These Terms are governed by and construed in accordance with the laws of the Republic of Cyprus. All disputes arising from these Terms shall be resolved in the competent courts of the Republic of Cyprus, except as provided in section 9.1. However, the mandatory consumer protection provisions of your country of residence shall prevail. For users from the EU, an online dispute resolution (ODR) platform is available. 9.1 For U.S. Users: Mandatory Arbitration and Class Action Waiver: Any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, shall be resolved by binding individual arbitration and not in a court of law, except that you may assert claims in a small claims court if they qualify. YOU AND THE COMPANY AGREE TO WAIVE THE RIGHT TO A JURY TRIAL OR TO PARTICIPATE IN A CLASS ACTION LAWSUIT. Each of us agrees that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. The arbitration will be conducted on an individual basis in accordance with the rules of [AAA/JAMS]. The language of the arbitration shall be English, and the proceedings may be conducted online. The parties shall share the costs equally; however, consumers are additionally guaranteed reimbursement of the arbitration fee if their claims are not frivolous. You have the right to opt out of this arbitration agreement by sending written notice to the Company within 30 days of accepting these Terms (in which case any disputes will be heard by courts under the general rules). 10. Contact Information If you have any questions about these Terms, please contact us at: support@vaultoria.com