Terms and Conditions

1. Acceptance of Terms

By accessing or using the Sferaai website ("Site"), you agree to be bound by these Terms. If you do not agree with any part of these Terms, you should not use the Site. We may update these Terms from time to time, and continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

2. Nature of the Service

Sferaai provides AI-powered analysis, educational content, and decision-support tools intended to help users understand investment-related information. The Site and any associated tools are provided for informational and educational purposes only.

Sferaai does not provide financial, investment, tax, or legal advice. Nothing on this Site constitutes a recommendation, solicitation, or offer to buy or sell any financial instrument. Any decisions you make based on information obtained through the Site are made at your own discretion and risk.

3. Eligibility

You must be able to form a legally binding contract in your place of residence to use the Site. By using the Site, you represent that you meet this requirement and that all information you provide to us is accurate and current.

4. Account Responsibilities

If any part of the Site requires you to create an account or submit information, you are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account. Notify us promptly if you suspect unauthorized use of your account.

5. Acceptable Use

When using the Site, you agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable regulation.
• Attempt to gain unauthorized access to any part of the Site, its systems, or related networks.
• Reproduce, duplicate, copy, sell, or exploit any portion of the Site without prior written permission.
• Interfere with or disrupt the integrity or performance of the Site or its underlying infrastructure.
• Use automated means to scrape, extract, or harvest data from the Site without authorization.

6. Intellectual Property

All content on the Site, including text, graphics, logos, design elements, and software, is the property of Sferaai or its licensors and is protected by applicable intellectual property laws. Except as expressly permitted, you may not copy, modify, distribute, or create derivative works from any part of the Site without prior written consent.

7. No Financial Advice / Risk Disclaimer

Investing involves risk, including the potential loss of principal. Past performance, hypothetical results, or any analysis presented through the Site is not indicative of future outcomes. You should independently evaluate any information provided and consult a qualified, licensed financial or legal advisor before making investment decisions. Sferaai makes no guarantee regarding the accuracy, completeness, or reliability of any analysis, output, or content generated through the Site.

8. Third-Party Links and Services

The Site may contain links to third-party websites or services that are not owned or controlled by Sferaai. We assume no responsibility for the content, privacy practices, or terms of any third-party sites and encourage you to review their respective policies.

9. Disclaimers

The Site is 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. Sferaai does not warrant that the Site will be uninterrupted, secure, or error-free.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Sferaai and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising from or related to your use of, or inability to use, the Site, whether based on warranty, contract, tort, or any other legal theory, even if advised of the possibility of such damages.

11. Indemnification

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

12. Termination

We reserve the right to suspend or terminate your access to the Site, at our sole discretion and without prior notice, for conduct that we believe violates these Terms or is otherwise harmful to other users, third parties, or Sferaai.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [jurisdiction to be specified], without regard to its conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in [location to be specified].

14. Changes to These Terms

We may revise these Terms at any time by updating this page. It is your responsibility to review these Terms periodically. Your continued use of the Site following any changes constitutes acceptance of the revised Terms.

15. Contact

Questions about these Terms can be directed through the contact channels listed on our Contact page.

Last updated: [date to be inserted]. This document is a template and should be finalized with the assistance of a licensed attorney familiar with applicable regulations before use in production.