ScribeWealth — Terms of Service

These Terms of Service ("Terms") govern your access to and use of ScribeWealth (the "Service"), operated by [LEGAL ENTITY NAME] ("we", "us"). By creating an account or using the Service, you agree to these Terms and to our Privacy Notice.

1. Eligibility

You must be at least 18 and using the Service in a professional capacity. If you use the Service on behalf of a firm, you represent that you are authorised to bind that firm to these Terms.

2. The Service

ScribeWealth provides software tools that analyse investment-holdings data and generate reports, metrics, and AI-assisted commentary and chat, for informational purposes.

Not financial advice. ScribeWealth is an informational and analytical tool only. It does not provide financial, investment, tax, or legal advice, and nothing it produces is a recommendation, solicitation, or offer to buy, sell, or hold any security or to adopt any strategy. The Service does not account for any individual's objectives, financial situation, or needs. You are solely responsible for your decisions and must obtain independent professional advice and conduct your own due diligence. Past performance is not indicative of future results.

Shariah-compliance information is informational only. Any Shariah or "halal/haram" information is provided for general information, is not a fatwa or religious ruling, and may rely on third-party data that can be incomplete or out of date. Consult a qualified Shariah advisor before relying on it.

AI-generated content. Parts of the Service use artificial intelligence, which can produce inaccurate or incomplete output. Verify all AI-generated information independently before relying on it.

3. Your account

You are responsible for keeping your credentials confidential and for all activity under your account. Provide accurate information and notify us of any unauthorised use.

4. Client data and acceptable use

You are responsible for any third-party data (including your clients' data) that you input, and you represent that you have the right and any necessary consents to process it through the Service. You agree not to misuse the Service, including no unlawful use, no attempts to breach security, no automated scraping, and no uploading of unlawful or infringing content.

5. Intellectual property

The Service, excluding data you provide, is owned by us and protected by law. We grant you a limited, non-exclusive, non-transferable licence to use it under these Terms. You retain rights in the data you upload.

6. Fees

[Fees, billing terms, and refund policy to be specified, if applicable.]

7. Disclaimers of warranty

The Service is provided "as is" and "as available", without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, accuracy, or non-infringement, to the fullest extent permitted by law.

8. Limitation of liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or exemplary damages, or for any investment losses, arising from your use of the Service. [Consider an aggregate liability cap — confirm wording with counsel.]

9. Indemnity

You agree to indemnify us against claims arising from your misuse of the Service or breach of these Terms, including claims relating to data you upload.

10. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate access for breach of these Terms or to protect the Service.

11. Governing law and disputes

These Terms are governed by the laws of Malaysia, and the courts of Malaysia have jurisdiction, [subject to any arbitration clause you may wish to add].

12. Changes

We may update these Terms; the updated version will be posted here. Continued use after changes means you accept them.

13. Contact

[SUPPORT_EMAIL]