Terms and Conditions

1. Overview of the Service

Sao Taivinh provides AI-driven data analysis and decision-support tools intended to help freelancers and independent consultants review financial data and evaluate options for managing capital between project cycles. The Service is informational and analytical in nature. Sao Taivinh does not provide financial, legal, tax, or investment advice, and nothing within the Service should be construed as a recommendation to take any specific financial action.

2. Eligibility and Account Responsibility

You must be able to form a legally binding contract in your jurisdiction to use the Service. You are responsible for maintaining the confidentiality of any login credentials associated with your account and for all activity that occurs under your account. You agree to notify us promptly of any unauthorized use of your account that you become aware of.

3. Acceptable Use

You agree not to misuse the Service. This includes, without limitation, agreeing not to:

• Attempt to gain unauthorized access to any part of the Service or its underlying systems.
• Reverse engineer, decompile, or attempt to extract the source code of any software component, except where permitted by applicable law.
• Use the Service to transmit unlawful, infringing, or harmful content.
• Interfere with or disrupt the integrity or performance of the Service.
• Resell, sublicense, or redistribute the Service without prior written authorization.

4. Subscriptions, Fees, and Billing

Certain features of the Service may require a paid subscription. Where applicable, fees, billing cycles, and renewal terms will be presented to you prior to purchase. Unless otherwise stated at the point of sale, subscriptions renew automatically until cancelled. You are responsible for reviewing your plan details and for cancelling in accordance with the cancellation process made available to you within the Service.

5. No Financial Advice; Assumption of Risk

Outputs generated by Sao Taivinh, including any analysis, projections, or suggested scenarios, are generated using automated models and general data inputs. They are provided for informational purposes only and may contain errors, omissions, or assumptions that do not reflect your individual circumstances. You acknowledge that any decision you make regarding your finances, capital allocation, or business operations is made at your own discretion and risk, and that you should seek independent professional advice before acting on any output produced by the Service.

6. Intellectual Property

The Service, including its software, design, text, graphics, and underlying technology, is owned by Sao Taivinh or its licensors and is protected by applicable intellectual property laws. Subject to your compliance with these Terms, Sao Taivinh grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes. No other rights are granted by implication or otherwise.

7. User Content and Data

You retain ownership of any data, files, or information you submit to the Service ("User Content"). By submitting User Content, you grant Sao Taivinh a limited license to process that content solely for the purpose of operating, maintaining, and improving the Service, as further described in our Privacy Policy. You represent that you have all necessary rights to submit the User Content you provide.

8. Service Availability and Changes

We aim to keep the Service available and functioning as intended, but we do not guarantee uninterrupted or error-free operation. Sao Taivinh reserves the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice, including the addition or removal of features.

9. Termination

You may stop using the Service at any time. We may suspend or terminate your access to the Service, in whole or in part, if we reasonably believe you have violated these Terms or if continued provision of the Service is no longer commercially viable. Upon termination, your right to use the Service will cease immediately, though certain provisions of these Terms will continue to apply as described in Section 13.

10. Disclaimer of Warranties

The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, or statutory, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Sao Taivinh does not warrant that the Service will be accurate, complete, reliable, or error-free.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Sao Taivinh and its officers, employees, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunities, arising from or related to your use of, or inability to use, the Service, even if advised of the possibility of such damages. Our total aggregate liability arising out of or relating to these Terms or the Service shall not exceed the amount paid by you to Sao Taivinh in the twelve (12) months preceding the event giving rise to the claim.

12. Indemnification

You agree to indemnify and hold Sao Taivinh harmless from any claims, damages, liabilities, costs, or expenses (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Service, or your violation of any applicable law or third-party right.

13. Survival

Provisions of these Terms that by their nature should survive termination — including but not limited to intellectual property rights, disclaimers, limitations of liability, and indemnification obligations — shall survive any termination or expiration of these Terms.

14. Changes to These Terms

We may update these Terms from time to time to reflect changes in our Service, legal requirements, or business practices. When we make material changes, we will take reasonable steps to notify you, such as posting an updated version on this page with a revised date. Your continued use of the Service after changes become effective constitutes acceptance of the revised Terms.

15. Governing Law

These Terms are intended to be governed by the laws applicable in the jurisdiction in which Sao Taivinh operates, without regard to conflict-of-law principles. This section is a general placeholder and should be reviewed and finalized with qualified legal counsel to reflect the specific jurisdiction and dispute-resolution mechanism applicable to Sao Taivinh.

16. Contact

If you have questions about these Terms, please use the contact information provided elsewhere on this website. This page is a general draft template and should be reviewed by qualified legal counsel before being relied upon as a binding legal agreement.