Terms and Conditions
This page sets out a general draft of the terms governing use of Thorn Capstead's website and services. It is provided as an editable template and should be reviewed and adapted to reflect your actual business practices and applicable law before publication.
1. Acceptance of Terms
By accessing or using the Thorn Capstead website and any associated tools, dashboards, or communications (collectively, the "Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use the Service. Continued use of the Service constitutes acceptance of any updates made to these Terms.
2. Description of Service
Thorn Capstead provides AI-driven risk analysis, informational content, and Smart Stop-Loss related tools intended to help users understand and monitor exposure connected to income activities outside their primary employment. The Service is provided for informational and educational purposes and does not constitute financial, investment, tax, or legal advice.
3. No Financial Advice
Nothing on this website or within the Service should be interpreted as a recommendation to buy, sell, hold, or otherwise transact in any financial instrument, asset, or strategy. Any analysis, output, or notification generated by the Service is based on general models and available data, and may not reflect your individual circumstances. You should consult a qualified professional before making financial decisions.
4. Eligibility and Account Use
You must be legally capable of entering into a binding agreement to use the Service. You are responsible for maintaining the confidentiality of any account credentials and for all activity that occurs under your account. You agree to provide accurate information and to notify us promptly of any unauthorized use of your account.
5. Acceptable Use
You agree not to misuse the Service, including but not limited to: attempting unauthorized access to systems or data, interfering with the normal operation of the Service, reverse-engineering underlying models or software, or using the Service for any unlawful purpose. We reserve the right to suspend or terminate access for any account found to be in violation of these Terms.
6. Intellectual Property
All content, branding, software, and materials made available through the Service, excluding any data you provide, are the property of Thorn Capstead or its licensors and are protected by applicable intellectual property laws. You may not copy, modify, distribute, or create derivative works from any part of the Service without prior written consent.
7. Third-Party Data and Links
The Service may reference or incorporate data from third-party sources, or contain links to third-party websites. Thorn Capstead does not control and is not responsible for the accuracy, availability, or content of any third-party sources or sites. Inclusion of such references does not imply endorsement.
8. 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. Thorn Capstead does not warrant that the Service will be uninterrupted, error-free, or free of harmful components.
9. Limitation of Liability
To the fullest extent permitted by applicable law, Thorn Capstead and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill arising from your use of, or inability to use, the Service, even if advised of the possibility of such damages.
10. Indemnification
You agree to indemnify and hold harmless Thorn Capstead, its officers, employees, and affiliates 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. Changes to the Service and Terms
Thorn Capstead reserves the right to modify, suspend, or discontinue any part of the Service at any time without prior notice. We may also update these Terms periodically; material changes will be reflected by an updated revision date on this page. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.
12. Termination
We may suspend or terminate your access to the Service at our discretion, including for suspected violations of these Terms, without liability to you. You may discontinue use of the Service at any time.
13. Governing Law
These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Thorn Capstead operates, without regard to conflict-of-law principles. This section should be reviewed and confirmed based on your specific legal jurisdiction.
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, and the remaining provisions shall remain in full force and effect.
15. Contact
Questions regarding these Terms can be directed through the contact channel listed on our Contact page.