Terms of Service

1. Acceptance of Terms

By accessing or using the Fathomtally website and any associated tools, dashboards, or analytical outputs (together, the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, you should not access or use the Service.

These Terms apply to all visitors, users, and others who access or use the Service, regardless of whether an account has been created.

2. Description of the Service

Fathomtally provides software-based data analysis intended to support long-term family wealth planning. The Service processes information provided by the user and presents structured outputs, summaries, and illustrative reference points.

The Service is a data-processing and analytical tool. It does not constitute financial, investment, tax, or legal advice, and no output generated by the Service should be treated as a recommendation to take or refrain from any specific financial action.

3. Eligibility

You must be of legal age in your jurisdiction of residence and have the legal capacity to enter into binding agreements to use the Service. By using the Service, you represent and warrant that you meet these requirements and that all information you provide is accurate and current.

4. Account Responsibilities

• You are responsible for maintaining the confidentiality of any credentials associated with your access to the Service.
• You are responsible for all activity that occurs under your access, whether or not you authorized it.
• You agree to notify Fathomtally promptly of any unauthorized use or suspected security incident.
• You agree to provide accurate, complete, and current information when requested.

5. No Financial Advice

Nothing produced by the Service, including figures, scenarios, or illustrative outputs, should be interpreted as personalized financial advice, a solicitation, or an offer to buy or sell any financial instrument. Any figures presented through the Service are illustrative of system methodology unless explicitly stated otherwise.

You should seek independent, qualified advice before making decisions regarding your finances, investments, or estate planning.

6. Fees and Access

Where applicable, details of any fees, subscription terms, or access conditions associated with the Service will be presented separately at the relevant point of engagement. Fathomtally reserves the right to modify pricing or access terms with reasonable notice, insert notice period.

7. Intellectual Property

All content, design elements, software, methodology descriptions, and materials made available through the Service are the property of Fathomtally or its licensors and are protected by applicable intellectual property laws. No part of the Service may be reproduced, distributed, or used to create derivative works without prior written consent.

8. Prohibited Uses

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable regulation.
• Attempt to reverse-engineer, decompile, or extract the underlying methodology or source code of the Service.
• Interfere with or disrupt the integrity or performance of the Service, including via unauthorized automated access.
• Misrepresent your identity or provide false information when using the Service.
• Use outputs of the Service to mislead third parties regarding guaranteed financial outcomes.

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, or non-infringement. Fathomtally does not warrant that the Service will be uninterrupted, error-free, or that any analytical output will be accurate, complete, or suitable for your specific circumstances.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Fathomtally, its affiliates, and its personnel shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or financial opportunity, arising out of 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 Fathomtally and its affiliates from any claims, damages, liabilities, costs, or expenses arising out of your breach of these Terms or your misuse of the Service.

12. Termination

Fathomtally may suspend or terminate your access to the Service at its discretion, with or without notice, in cases including but not limited to breach of these Terms, suspected fraudulent activity, or extended inactivity. Upon termination, provisions of these Terms which by their nature should survive will continue to apply.

13. Changes to These Terms

Fathomtally may revise these Terms from time to time. Material changes will be indicated by updating the "Last updated" reference at the top of this page. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

14. Governing Law

These Terms are intended to be governed by the laws applicable in the jurisdiction in which Fathomtally operates, insert governing law and jurisdiction, without regard to conflict of law principles. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts, insert venue.

15. Contact

Questions regarding these Terms should be directed to Fathomtally through the contact details provided elsewhere on this website. Insert dedicated legal or support contact information here once available.