Terms of Service

1. Acceptance of Terms

By accessing or using the Keen Thriftanance website or any associated services (the "Services"), you agree to be bound by these Terms and by our Privacy Policy. If you do not agree to these Terms, you must not access or use the Services.

2. Description of Services

Keen Thriftanance provides AI-driven data analysis and decision-support tools intended to help freelancers and independent investors review and interpret information related to project-based income. The Services are informational and analytical in nature and do not constitute financial, investment, tax, or legal advice.

We do not guarantee the accuracy, completeness, or timeliness of any output generated by the Services, and you remain solely responsible for any decisions made based on information obtained through Keen Thriftanance.

3. Eligibility and Account Responsibilities

You must be legally capable of entering into a binding contract to use the Services. If you create an account, you are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us promptly of any unauthorized use of your account.

4. Acceptable Use

You agree not to:

• Use the Services for any unlawful purpose or in violation of any applicable regulation.
• Attempt to gain unauthorized access to our systems, data, or other users' accounts.
• Reverse engineer, decompile, or otherwise attempt to extract the source code of our platform.
• Resell, sublicense, or redistribute the Services without our prior written consent.
• Upload content that infringes the rights of any third party or that is harmful, deceptive, or fraudulent.

5. Subscription, Fees, and Billing

Certain features of the Services may require payment of fees. Where applicable, pricing, billing cycles, and renewal terms will be presented to you at the time of purchase. Fees are non-refundable except as required by applicable law or as otherwise explicitly stated at the point of sale. We reserve the right to modify pricing with reasonable advance notice.

6. Intellectual Property

All content, software, design elements, and materials made available through the Services are owned by Keen Thriftanance or its licensors and are protected by applicable intellectual property laws. Nothing in these Terms grants you any ownership rights; you receive only a limited, non-exclusive, non-transferable license to use the Services for their intended purpose.

7. No Financial or Investment Advice

Keen Thriftanance does not act as a financial advisor, broker, or fiduciary. Any analysis, insight, or output provided through the Services is for informational purposes only and should not be construed as a recommendation to buy, sell, or hold any asset, or to make any specific business or financial decision. You should consult a qualified professional before acting on any information obtained from the Services.

8. Disclaimer of Warranties

The 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 warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or free of harmful components.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Keen Thriftanance and its 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 your use of or inability to use the Services, even if advised of the possibility of such damages. Our total aggregate liability for any claim arising from these Terms shall not exceed the amount you paid to us, if any, in the twelve months preceding the claim.

10. Indemnification

You agree to indemnify and hold harmless Keen Thriftanance, its officers, employees, and partners from any claims, damages, liabilities, and expenses arising out of your use of the Services, your violation of these Terms, or your infringement of any third-party rights.

11. Termination

We reserve the right to suspend or terminate your access to the Services at any time, with or without notice, for conduct that we believe violates these Terms or is otherwise harmful to other users, us, or third parties. You may discontinue use of the Services at any time.

12. Changes to These Terms

We may update these Terms from time to time to reflect changes in our Services or applicable law. Material changes will be indicated by updating the "last updated" notice on this page. Continued use of the Services after changes take effect constitutes acceptance of the revised Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Keen Thriftanance is established, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the competent courts of that jurisdiction.

14. Contact

If you have questions about these Terms, please reach out through the contact details provided on our Contact page.