Terms and Conditions
These Terms and Conditions ("Terms") govern your access to and use of the Sage Endowardance website and related services. Please read them carefully before using our services. This document is a general draft template and should be reviewed by qualified legal counsel before being relied upon for compliance purposes.
1. Acceptance of Terms
By accessing or using the Sage Endowardance website (the "Site") or any associated tools, forms, or services (collectively, the "Services"), you agree to be bound by these Terms and by our Privacy Policy. If you do not agree with any part of these Terms, you should discontinue use of the Site and Services immediately.
2. Description of Services
Sage Endowardance provides informational tools and content related to predictive modelling and risk analysis intended to support long-term financial planning discussions. The Services are provided for general informational purposes only and do not constitute financial, investment, tax, legal, or professional advice of any kind. Any output, projection, or result generated through the Site should not be relied upon as a substitute for consultation with a qualified, licensed professional.
3. Eligibility
By using the Site, you represent that you are at least eighteen (18) years of age and that you have the legal capacity to enter into a binding agreement under applicable law. If you are using the Services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.
4. User Submissions and Account Information
Where the Site requests information through a form, calculator, or similar input mechanism, you agree to provide information that is accurate and not misleading to the best of your knowledge. You are solely responsible for the information you submit. Sage Endowardance does not verify the accuracy of user-submitted information and disclaims responsibility for any outcome resulting from inaccurate, incomplete, or outdated data provided by a user.
5. Acceptable Use
You agree not to use the Site or Services to: (a) violate any applicable law or regulation; (b) attempt to gain unauthorized access to any portion of the Site, related systems, or networks; (c) interfere with or disrupt the integrity or performance of the Site; (d) reproduce, duplicate, copy, sell, or exploit any part of the Site without express written permission; or (e) use automated means, including bots or scrapers, to extract data from the Site without prior authorization.
6. Intellectual Property
All content on the Site, including text, graphics, logos, page design, and underlying methodology descriptions, is the property of Sage Endowardance or its licensors and is protected by applicable intellectual property laws, unless otherwise noted. No part of the Site may be reproduced, distributed, or transmitted in any form without the prior written consent of Sage Endowardance.
7. No Financial Advice Disclaimer
Nothing on the Site constitutes an offer, solicitation, or recommendation to buy or sell any financial product, nor does it constitute personalized financial advice. Predictive models, projections, and figures presented on the Site are illustrative in nature and are not guarantees of future outcomes. You should seek independent, professional advice specific to your circumstances before making any financial decision.
8. Third-Party Links and Services
The Site may contain links to third-party websites or reference third-party services that are not owned or controlled by Sage Endowardance. We assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. Accessing such links is done at your own risk.
9. Disclaimer of Warranties
The Site and Services are 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. Sage Endowardance does not warrant that the Site will be uninterrupted, secure, or free of errors, nor does it warrant the accuracy or completeness of any content or projection generated through the Services.
10. Limitation of Liability
To the fullest extent permitted by applicable law, Sage Endowardance, its owners, employees, and 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 or related to your use of, or inability to use, the Site or Services, even if advised of the possibility of such damages.
11. Indemnification
You agree to indemnify and hold harmless Sage Endowardance and its affiliates, officers, and employees from any claim, demand, loss, or damage, including reasonable legal fees, arising out of your use of the Site, your violation of these Terms, or your violation of any rights of a third party.
12. Modifications to the Terms
Sage Endowardance reserves the right to modify or update these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of the Site following the posting of changes constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.
13. Termination
Sage Endowardance reserves the right to suspend or terminate your access to the Site or Services, without notice, for conduct that we believe violates these Terms or is harmful to other users, third parties, or the business interests of Sage Endowardance.
14. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Sage Endowardance operates, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts located within that jurisdiction, unless otherwise required by applicable law.
15. Severability
If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of the remaining provisions.
16. Contact
Questions regarding these Terms may be directed to Sage Endowardance through the contact channels provided elsewhere on this Site.
This Terms and Conditions document is a general template provided for informational purposes and does not constitute legal advice. It should be reviewed and adapted by qualified legal counsel to ensure compliance with applicable laws and regulations before publication or reliance.