Terms of Service

1. Acceptance of Terms

By accessing and using the services provided by Haru Insights ("we", "our", or "us"), you agree to comply with and be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Service

We provide financial analysis and other financial information through our web application. Our services are for informational purposes only and do not constitute financial advice. You must be at least 18 years old to use our services.

While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability of the information provided.

3. User Accounts

You are responsible for maintaining the confidentiality of your account and password and for restricting access to your account. You agree to accept responsibility for all activities that occur under your account or password.

4. User Conduct

You agree to use our services only for lawful purposes and in accordance with these Terms of Service. You agree not to:

• Use the services in any way that violates any applicable federal, state, local, or international law or regulation
• Attempt to gain unauthorized access to our systems or other users’ accounts
• Use the services to transmit any material that is unlawful, harmful, threatening, abusive, harassing, defamatory, or otherwise objectionable
• Infringe upon or violate our intellectual property rights or those of others
• Interfere with or disrupt the services or servers or networks connected to the services

5. Intellectual Property

The content, features, and functionality of our services are owned by Haru Insights and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

6. Disclaimer of Warranties

Our services are provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not guarantee the accuracy, completeness, or usefulness of any information provided through our services.

7. Limitation of Liability

In no event shall Haru Insights be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the services.

8. Indemnification

You agree to indemnify and hold Haru Insights and its affiliates, officers, agents, employees, and partners harmless from and against any and all claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your access to or use of the services.

9. Termination

We may terminate or suspend your account and bar access to the service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

10. Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions.

11. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days’ notice prior to any new terms taking effect.