Terms of Service

1. Acceptance of Terms

By accessing or using the Rümawald AI website, tools, or any related services (collectively, the "Service"), you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use the Service.

We may update these Terms from time to time. Continued use of the Service after changes are posted constitutes your acceptance of the revised Terms.

2. Description of Service

Rümawald AI provides AI-driven cash flow analysis and decision-support tools intended to help small businesses understand and plan around their financial position. The Service is provided for informational and analytical purposes only and does not constitute financial, legal, tax, or investment advice.

We do not guarantee the accuracy, completeness, or suitability of any output generated by the Service, and any decisions made based on such output are made at your own discretion and risk.

3. Eligibility

You must be at least 18 years old and have the legal authority to enter into these Terms on behalf of yourself or the business you represent. By using the Service, you confirm that you meet these requirements.

4. Account Registration and Security

To access certain features, you may be required to create an account. You agree to provide accurate, current, and complete information during registration and to keep this information up to date.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately if you suspect any unauthorised use of your account.

5. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable regulation.
• Attempt to reverse engineer, decompile, or otherwise access the underlying source code or models of the Service.
• Upload data that you do not have the right to use, including third-party confidential or personal information without consent.
• Interfere with or disrupt the integrity or performance of the Service, including through unauthorised automated access.
• Resell, sublicense, or redistribute the Service without our prior written consent.

6. Fees and Payment

Certain features of the Service may be offered subject to fees as described at the point of purchase or in a separate agreement. Where applicable, fees are payable in advance and are non-refundable except as required by law or expressly stated otherwise.

We reserve the right to change our pricing structure with reasonable notice. Continued use of paid features after a pricing change constitutes acceptance of the new pricing.

7. Intellectual Property

All content, software, trademarks, logos, and materials associated with the Service are the property of Rümawald AI or its licensors and are protected by applicable intellectual property laws. Nothing in these Terms grants you any right, title, or interest in our intellectual property except for the limited right to use the Service as intended.

Any data or reports you input into the Service remain your property; however, you grant Rümawald AI a limited licence to process that data solely for the purpose of providing the Service to you.

8. 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 warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

Rümawald AI does not warrant that the Service will be uninterrupted, error-free, or free from harmful components, nor that any analysis, forecast, or output will be accurate or reliable for your specific circumstances.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Rümawald AI and its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunity arising from or related to your use of, or inability to use, the Service.

Our total aggregate liability arising out of or relating to these Terms or the Service shall not exceed the amount paid by you, if any, for access to the Service in the twelve (12) months preceding the claim.

10. Indemnification

You agree to indemnify and hold harmless Rümawald AI and its affiliates from any claims, damages, liabilities, costs, or expenses (including reasonable legal fees) arising out of your breach of these Terms, your misuse of the Service, or your violation of any applicable law or third-party right.

11. Termination

We may suspend or terminate your access to the Service at our discretion, with or without notice, if we believe you have violated these Terms or if such action is necessary to protect the Service or other users.

You may stop using the Service and close your account at any time. Provisions of these Terms that by their nature should survive termination (including intellectual property, disclaimers, and limitation of liability) will continue to apply.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales, unless otherwise required by applicable consumer protection law.

13. Changes to These Terms

We may revise these Terms periodically to reflect changes in our Service, legal requirements, or business practices. Material changes will be communicated through the Service or by other reasonable means. Your continued use of the Service after such changes take effect constitutes your acceptance of the updated Terms.

14. Contact Us

If you have any questions about these Terms, please get in touch via our Contact page.