1. Acceptance of Terms

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

2. Changes to the Terms

We may revise and update these Terms from time to time at our sole discretion. All changes are effective immediately when we post them. Your continued use of the Service following the posting of revised Terms means that you accept and agree to the changes.

3. Eligibility and Account Registration

You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Service. By using the Service, you represent and warrant that you meet this requirement. If you create an account, you agree to provide accurate, current, and complete information and to maintain and promptly update such information as necessary. You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account.

4. Accounts and Registration

To access certain features of the Service, you may be required to create an account. When you register, you agree to: Provide accurate, current, and complete information as requested. Maintain and promptly update your information to keep it accurate and complete. Keep your login credentials secure and confidential. Accept full responsibility for all activities that occur under your account. If you believe your account has been compromised, you must notify us immediately. Arcault is not liable for any loss or damage arising from your failure to safeguard your account credentials.

5. User Responsibilities and Prohibited Uses

You agree to use the Service in a manner that is lawful and in compliance with these Terms. You must not:

• Use the Service for any unlawful purpose or in violation of any applicable laws.
• Distribute viruses, malicious code, or other harmful components.
• Engage in any activity that interferes with or disrupts the Service or its servers.
• Attempt to gain unauthorized access to any part of the Service, other accounts, computer systems, or networks connected to the Service.
• Reverse engineer, decompile, or attempt to extract source code from the Service.
• Use automated scripts, bots, or scraping tools to access or interact with the Service.
• Use the Service to build or support a competing product or service.

6. Intellectual Property

The Service and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Arcault, its licensors, or other providers of such material and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. Except as expressly permitted in these Terms, you may not copy, modify, reproduce, distribute, or create derivative works based on the Service.

7. User Content

You retain all ownership rights in any content, data, documents, or information that you provide, upload, or otherwise make available through the Service (“User Content”). Arcault does not claim ownership of your User Content. By submitting User Content, you grant Arcault a limited, non-exclusive, worldwide, royalty-free license to host, process, analyze, and use such User Content solely for the purpose of operating, improving, and providing the Service to you and other users. This may include the use of artificial intelligence and other technologies to process User Content in order to deliver insights, recommendations, or other features of the Service. Arcault will not sell or share your User Content with third parties for their independent use. However, in order to provide certain features of the Service, Arcault may transmit, process, or store User Content with trusted third-party service providers (for example, cloud hosting or AI processing partners such as OpenAI or Plaid) under appropriate agreements and safeguards. You are responsible for ensuring that you have the necessary rights to provide your User Content to Arcault and for the legality of such User Content.

8. Third-Party Services

The Service may integrate with or link to third-party services, products, or websites. Your use of such third-party services may be subject to separate terms and policies. Arcault is not responsible for, and does not endorse, any third-party services.

9. Fees and Payment

Some features of the Service may require payment of fees. If you choose to purchase paid features or subscriptions, you agree to pay all applicable fees and charges in accordance with the pricing and payment terms presented to you at the time of purchase. All fees are non-refundable except as required by law. Arcault reserves the right to change its pricing and payment policies at any time upon notice to you. Continued use of paid features after a change constitutes your agreement to the new pricing and terms.

10. Service Availability and Modifications

Arcault reserves the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice. We do not guarantee that the Service will always be available, uninterrupted, or error-free.

11. Security and Data Protection

Arcault employs reasonable safeguards designed to protect your User Content and account information. However, no system can be guaranteed to be completely secure. You are responsible for protecting your devices and maintaining appropriate security practices when accessing the Service.

12. Termination

We may terminate or suspend your access to all or part of the Service at any time, without notice, for any reason, including, without limitation, any violation of these Terms. You may also terminate your account at any time by discontinuing use of the Service.

13. Disclaimer of Warranties

The Service is provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, whether express or implied. Arcault disclaims all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

14. Limitation of Liability

To the fullest extent permitted by applicable law, in no event will Arcault, its affiliates, licensors, service providers, employees, agents, officers, or directors be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, revenue, data, use, goodwill, or other intangible losses, arising out of or in connection with your use of the Service.

15. Indemnification

You agree to indemnify, defend, and hold harmless Arcault and its affiliates, officers, agents, employees, and partners from any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or in any way connected with your access to or use of the Service, your violation of these Terms, or your User Content.

16. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of [Massachusetts], without regard to conflict of law principles. Any dispute arising under these Terms shall be resolved through binding arbitration in [Boston, MA], except that either party may seek injunctive relief in a court of competent jurisdiction. You agree to waive any right to participate in class actions or class-wide arbitration.

17. Miscellaneous

• Entire Agreement: These Terms constitute the entire agreement between you and Arcault regarding the Service.
• Severability: If any provision is found unenforceable, the remaining provisions will remain in effect.
• Waiver: No waiver of any term shall be deemed a further waiver of such term or any other term.

18. Contact Information