Terms of Service

Last updated: This is a general draft template and should be reviewed and adapted to reflect your specific business practices and applicable law before publication.

1. Acceptance of Terms

By accessing or using the Service, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must not access or use the Service.

If you are using the Service on behalf of a household, family group, or other entity, you represent that you have the authority to bind that entity to these Terms, and "you" refers to both you individually and that entity.

2. Description of the Service

Sereno Medranca provides AI-driven data analysis and decision-support tools intended to assist with family financial planning. The Service is designed to help organize information, surface insights, and support informed decision-making. It does not constitute financial, tax, legal, or investment advice, and outputs should be reviewed critically and, where appropriate, discussed with a qualified professional.

3. Eligibility and Account Registration

To access certain features, you may be required to request access and create an account. You agree to provide accurate, current, and complete information during registration and to keep such information up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.

You must notify us promptly of any unauthorized use of your account or any other breach of security known to you.

4. Acceptable Use

You agree not to use the Service to:

• Violate any applicable law, regulation, or third-party right;
• Upload or transmit false, misleading, or fraudulent financial information;
• Attempt to gain unauthorized access to the Service, other accounts, or related systems;
• Reverse engineer, decompile, or otherwise attempt to extract the underlying models or source code;
• Interfere with or disrupt the integrity or performance of the Service;
• Use the Service for any purpose that is unlawful or prohibited by these Terms.

We reserve the right to suspend or terminate access for any account that we reasonably believe violates this section.

5. User Content and Data

You retain ownership of any financial data, documents, or other information you submit to the Service ("User Content"). By submitting User Content, you grant Sereno Medranca a limited, non-exclusive license to use, process, and store that content solely for the purpose of operating, maintaining, and improving the Service, in accordance with our Privacy Policy.

You are solely responsible for the accuracy and legality of any User Content you submit. We do not independently verify User Content and are not liable for decisions made based on inaccurate or incomplete information provided by you.

6. AI-Generated Outputs

The Service uses automated and AI-based processes to generate analysis, projections, and recommendations. These outputs are generated based on patterns in data and may be incomplete, outdated, or incorrect. Sereno Medranca makes no warranty as to the accuracy, reliability, or suitability of any output for a particular financial decision. You remain solely responsible for any actions taken in reliance on such outputs.

7. Intellectual Property

The Service, including its software, design, text, graphics, and underlying technology, is owned by Sereno Medranca or its licensors and is protected by applicable intellectual property laws. Except for the limited rights expressly granted to you to use the Service, no other rights or licenses are granted, whether by implication, estoppel, or otherwise.

8. Fees and Access

Access to the Service may be granted on an invitation or application basis and may be subject to fees, usage limits, or other conditions communicated to you at the time access is granted. We reserve the right to modify pricing or access terms with reasonable notice.

9. Termination

We may suspend or terminate your access to the Service at any time, with or without notice, for conduct that we reasonably believe violates these Terms, poses a risk to the Service or other users, or for any other reason at our discretion. You may stop using the Service and request account closure at any time by contacting us through the channels provided on our site.

Upon termination, your right to use the Service will immediately cease. Provisions of these Terms that by their nature should survive termination will continue to apply.

10. 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 implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, timely, secure, or error-free, or that any outputs will meet your expectations.

Nothing in the Service constitutes professional financial, legal, or tax advice. You should consult appropriately qualified professionals before making financial decisions.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Sereno Medranca 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 financial opportunity, arising out of 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, if any, paid by you to Sereno Medranca for access to the Service in the twelve (12) months preceding the event giving rise to the claim.

12. Indemnification

You agree to indemnify and hold harmless Sereno Medranca and its affiliates, officers, and employees from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising out of your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

13. Changes to the Service and Terms

We may modify, suspend, or discontinue any part of the Service at any time. We may also update these Terms from time to time to reflect changes in our practices or for legal, regulatory, or operational reasons. Material changes will be communicated through the Service or by other reasonable means. 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 Sereno Medranca is registered, without regard to conflict of law principles. This section is a general placeholder and should be reviewed to reflect the correct governing law for your business.

15. Severability and Entire Agreement

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Sereno Medranca regarding the Service.

16. Contact

Questions about these Terms should be directed through the contact channels provided on our site. This document is a general template and should be reviewed and finalized with appropriate legal guidance prior to use.