Terms of Service

1. Acceptance of Terms

By creating an account, accessing, or using the Service, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree to these Terms, you must not access or use the Service. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Description of the Service

apra provides AI-driven risk management and predictive analysis tools intended to support businesses and investors in managing idle capital and assessing financial risk. The Service is provided for informational and analytical purposes and does not constitute financial, investment, legal, or tax advice. Output generated by the Service should be independently verified before any decision is made in reliance on it.

3. Eligibility and Account Registration

To use certain features of the Service, you must register for an account and provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify us promptly of any unauthorized use of your account.

4. 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;
• Interfere with, disrupt, or place undue load on the Service's infrastructure;
• Use automated means to scrape, extract, or replicate data from the Service without authorization;
• Misrepresent your identity or affiliation when using the Service;
• Resell, sublicense, or otherwise commercially exploit the Service without our prior written consent.

5. Subscription, Fees, and Payment

Access to certain features of the Service may require payment of fees as described at the time of purchase or in a separate order form. Fees are billed in advance on a recurring basis unless otherwise stated and are non-refundable except as required by applicable law or expressly stated in writing. We reserve the right to change our pricing upon reasonable prior notice.

6. Intellectual Property

The Service, including its software, models, design, text, and underlying technology, is owned by apra or its licensors and is protected by intellectual property laws. Except for the limited license granted to you to access and use the Service in accordance with these Terms, no rights are transferred to you. Any feedback you provide regarding the Service may be used by us without restriction or compensation.

7. Your Data

You retain ownership of the data you submit to the Service. You grant apra a license to process such data solely as necessary to provide, maintain, and improve the Service, in accordance with our Privacy Policy. You are responsible for ensuring you have the necessary rights to submit any data you provide to us.

8. Disclaimers

The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that predictions, analyses, or risk assessments generated by the Service will be accurate or reliable for any particular purpose. Any decisions made based on the Service's output are made at your own risk.

9. Limitation of Liability

To the maximum extent permitted by applicable law, apra and its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, revenue, data, or business opportunities, arising from or related to your use of, or inability to use, the Service, even if advised of the possibility of such damages. Our aggregate liability arising out of or related to these Terms shall not exceed the amount paid by you to apra in the twelve months preceding the claim.

10. Indemnification

You agree to indemnify and hold apra harmless from any claims, damages, liabilities, and expenses arising out of your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

11. Termination

We may suspend or terminate your access to the Service at any time, with or without notice, for conduct that we believe violates these Terms or is harmful to other users, apra, or third parties, or for any other reason at our discretion. You may terminate your account at any time by discontinuing use of the Service and, where applicable, cancelling your subscription. Provisions that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

12. Changes to the Service and Terms

We may modify or discontinue the Service, in whole or in part, at any time. We may also update these Terms from time to time. Material changes will be communicated by posting a revised version on this page with an updated effective date. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which apra is established, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction, unless otherwise required by applicable law.

14. Severability

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

15. Contact

If you have questions about these Terms, please reach out via the contact details provided on our Contact page.