Terms and Conditions

1. Acceptance of Terms

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

2. Description of Services

Sōzō Kōbō provides data intelligence and predictive modelling tools intended to help independent professionals better understand and plan around variable income. The Services are informational and analytical in nature. They do not constitute financial, tax, legal, or investment advice, and no output from the Services should be treated as a guarantee of future results.

3. Eligibility

You must be at least 18 years of age and capable of entering into a legally binding agreement to use the Services. By using the Services, you represent and warrant that you meet these requirements and that any information you provide to us is accurate and current.

4. Account Responsibilities

If you create an account with us, 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. We reserve the right to suspend or terminate accounts that we reasonably believe are being used in violation of these Terms.

5. Acceptable Use

You agree not to misuse the Services. This includes, without limitation, agreeing not to:

• Attempt to gain unauthorized access to any part of the Site or its underlying systems.
• Use the Services for any unlawful, fraudulent, or harmful purpose.
• Reverse-engineer, decompile, or attempt to extract the source code of any software provided as part of the Services.
• Interfere with or disrupt the integrity or performance of the Services.
• Upload or transmit any content that infringes the intellectual property or other rights of any third party.

6. Subscription, Fees, and Payment

Certain features of the Services may require payment of fees. Where applicable, fees, billing cycles, and cancellation terms will be presented to you at the point of sign-up. You are responsible for providing accurate billing information and for any charges incurred under your account. We reserve the right to change our pricing with reasonable advance notice.

7. Intellectual Property

All content, design, software, and materials available through the Services, including text, graphics, logos, and models, are the property of Sōzō Kōbō or its licensors and are protected by applicable intellectual property laws. Except as expressly permitted by these Terms, you may not copy, modify, distribute, or create derivative works based on any part of the Services without our prior written consent.

8. User Content

If you submit or upload any data, documents, or other content to the Services ("User Content"), you retain ownership of that content but grant Sōzō Kōbō a non-exclusive, worldwide license to use, process, and store it solely for the purpose of providing and improving the Services. You are solely responsible for ensuring that your User Content does not violate any applicable law or third-party right.

9. No Financial or Professional Advice

The insights, forecasts, and other outputs generated by Sōzō Kōbō are provided for informational purposes only and are based on modelling assumptions that may not reflect actual future outcomes. They should not be relied upon as a substitute for professional financial, tax, or legal advice. You should consult a qualified professional before making decisions based on information obtained through the Services.

10. 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, accuracy, or non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or secure.

11. Limitation of Liability

To the fullest extent permitted by applicable law, Sōzō Kōbō and its affiliates, officers, and employees shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill arising out of or related to your use of, or inability to use, the Services, even if we have been advised of the possibility of such damages.

12. Indemnification

You agree to indemnify and hold harmless Sōzō Kōbō and its affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your use of the Services or your violation of these Terms.

13. Third-Party Links and Services

The Services may contain links to third-party websites or integrate with third-party tools that are not owned or controlled by Sōzō Kōbō. We are not responsible for the content, privacy practices, or terms of any third-party services, and your use of them is at your own risk.

14. Termination

We may suspend or terminate your access to the Services at any time, with or without notice, if we believe you have violated these Terms or for any other reason at our discretion. Upon termination, your right to use the Services will immediately cease, though certain provisions of these Terms will survive termination, including those relating to intellectual property, disclaimers, and limitations of liability.

15. Changes to the Services

We reserve the right to modify, suspend, or discontinue any part of the Services at any time, with or without notice. We will not be liable to you or any third party for any such modification, suspension, or discontinuation.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Sōzō Kōbō operates, without regard to conflict-of-law principles. This section should be updated to specify the governing jurisdiction relevant to your business before publication.

17. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining Terms will otherwise remain in full force and effect.

18. Changes to These Terms

We may revise these Terms from time to time to reflect changes in our Services or applicable law. We will make reasonable efforts to notify you of material changes, but it is your responsibility to review these Terms periodically. Your continued use of the Services after any changes take effect constitutes your acceptance of the revised Terms.

19. Contact

If you have questions about these Terms, please reach out through the contact channels made available on our Site. This placeholder section should be updated with your organization's specific contact process.

This Terms and Conditions document is a general template provided for informational purposes and does not constitute legal advice. Sōzō Kōbō recommends consulting a qualified legal professional to ensure this document meets the requirements of your business and the jurisdictions in which you operate.