This is a general draft template provided for informational purposes only. It does not constitute legal advice, has not been reviewed by a legal professional, and should be adapted to reflect your actual business practices and applicable jurisdiction before use.

1. Acceptance of Terms

By accessing or using the Fidelis Invona website, dashboard, or any related services (collectively, 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.

2. Eligibility

The Service is intended for use by individuals who are at least 18 years of age and legally capable of entering into binding contracts. By using the Service, you represent and warrant that you meet these requirements.

3. Description of Service

Fidelis Invona provides predictive capital optimisation tooling, planning insights, and related informational resources aimed at freelancers and independent consultants. The Service is provided for informational and planning purposes and does not constitute financial, tax, legal, or investment advice. Any decisions made using outputs from the Service are made at your own discretion and risk.

4. Account Registration

To access certain features of the Service, you may be required to create an account. You agree to provide accurate, current, and complete information during registration and to keep this information up to date. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

5. Acceptable Use

You agree not to use the Service to:

• Violate any applicable law, regulation, or third-party right;
• Attempt to gain unauthorised access to any part of the Service or related systems;
• Interfere with or disrupt the integrity or performance of the Service;
• Reverse engineer, decompile, or otherwise attempt to extract the source code of the Service;
• Use automated means to scrape, harvest, or extract data from the Service without prior written consent.

6. Fees and Payment

Certain features of the Service may be offered on a paid subscription or fee basis. Where applicable, pricing, billing frequency, and payment terms will be presented to you prior to purchase. Fees are non-refundable except as required by applicable law or as otherwise expressly stated at the point of sale.

7. No Financial Advice; Capital at Risk

Fidelis Invona does not act as a financial adviser, broker, or fiduciary. All information, forecasts, and outputs provided through the Service are general in nature and should not be relied upon as the sole basis for any financial decision. Past performance figures, where displayed, are not indicative of future results. Capital allocated based on insights from the Service is at risk, and you should seek independent professional advice before making financial decisions.

8. Intellectual Property

All content, software, design elements, trademarks, and other intellectual property associated with the Service are owned by or licensed to Fidelis Invona. Nothing in these Terms grants you any right, title, or interest in such intellectual property except for the limited right to use the Service in accordance with these Terms.

9. Third-Party Links and Services

The Service may contain links to third-party websites or integrate with third-party services. Fidelis Invona does not endorse and is not responsible for the content, accuracy, or practices of any third-party sites or services. Use of any third-party service is subject to that provider's own terms and policies.

10. Disclaimers

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, or non-infringement. Fidelis Invona does not warrant that the Service will be uninterrupted, error-free, or free of harmful components.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Fidelis Invona 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 out of or related to your use of, or inability to use, the Service, whether based on contract, tort, or any other legal theory, even if advised of the possibility of such damages.

12. Indemnification

You agree to indemnify and hold harmless Fidelis Invona, its officers, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your use of the Service or your violation of these Terms.

13. Suspension and Termination

Fidelis Invona reserves 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, is harmful to other users, or is otherwise contrary to the interests of the Service. You may stop using the Service at any time.

14. Changes to the Service or 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. Material changes will be indicated by updating the "last updated" date below. Continued use of the Service following any changes constitutes acceptance of the revised Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Fidelis Invona operates, without regard to conflict of law principles. This section should be reviewed and finalised in line with your specific legal and jurisdictional requirements.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.

17. Contact

Questions regarding these Terms can be directed via the contact page on our website.

Last updated: this template placeholder should be replaced with the actual publication date before use.