1. Acceptance of These Terms

By accessing or using the Fiel Penhoria website, tools, or any associated services (collectively, the "Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree with any part of these Terms, you should not use the Service.

2. Description of the Service

Fiel Penhoria provides AI-driven data analysis and decision-support tools intended to help users review and organise information relevant to gig economy work and personal investment activity. The Service is informational and analytical in nature. It does not constitute financial, investment, tax, legal, or professional advice, and no output from the Service should be treated as a recommendation to take or avoid any particular action.

3. Eligibility

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

4. User Accounts and Responsibilities

Where the Service requires you to submit information or register an account, you agree to:

• Provide accurate, complete, and up-to-date information;
• Maintain the confidentiality of any credentials associated with your use of the Service;
• Notify us promptly of any unauthorised use of your account;
• Use the Service only for lawful purposes and in accordance with these Terms.

5. No Financial or Professional Advice

Nothing produced by Fiel Penhoria, whether through automated analysis, written content, or any other output, should be interpreted as financial, legal, tax, or investment advice. You are solely responsible for any decisions made in reliance on information obtained through the Service. We strongly recommend consulting a qualified, independent professional before making financial or investment decisions.

6. Intellectual Property

All content, design elements, software, text, and materials made available through the Service are the property of Fiel Penhoria or its licensors and are protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from any part of the Service without prior written consent, except as necessary for your own personal, non-commercial use.

7. Acceptable Use

You agree not to use the Service to:

• Violate any applicable law or regulation;
• Transmit harmful code, malware, or disruptive technology;
• Attempt to gain unauthorised access to our systems or data;
• Misrepresent your identity or affiliation with any person or entity;
• Interfere with or disrupt the integrity or performance of the Service.

8. Third-Party Links and Services

The Service may contain links to third-party websites or reference third-party tools. Fiel Penhoria does not control and is not responsible for the content, accuracy, or practices of any third-party resources. Inclusion of any link does not imply endorsement.

9. Disclaimer of Warranties

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. We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Fiel Penhoria shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill arising from or related to your use of, or inability to use, the Service, even if advised of the possibility of such damages.

11. Indemnification

You agree to indemnify and hold harmless Fiel Penhoria, its affiliates, and representatives from any claims, damages, losses, liabilities, and expenses arising out of your use of the Service, your violation of these Terms, or your infringement of any third-party rights.

12. Termination

We reserve the right to 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, Fiel Penhoria, or third parties.

13. Changes to the Service and These Terms

We may modify, suspend, or discontinue any part of the Service at any time. We may also revise these Terms from time to time. Updated Terms will be posted on this page with a revised effective date. Continued use of the Service after changes become effective constitutes acceptance of the revised Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Fiel Penhoria operates, without regard to conflict of law principles. This section is provided as a general placeholder and should be confirmed against your actual operating jurisdiction.

15. 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, and the remaining provisions will remain in full force and effect.

16. Contact

Questions regarding these Terms should be directed to us through the contact details provided on our Contact page.

This document is a general template and is provided for informational purposes only. It does not constitute legal advice and should be reviewed by a qualified professional before being relied upon.