Terms and Conditions

1. Acceptance of Terms

By creating an account, accessing any part of the Service, or clicking to accept these Terms, you confirm that you have read, understood, and agree to be bound by them, along with our Privacy Policy. These Terms apply to all visitors, users, and others who access the Service.

2. Description of Service

Creeton provides predictive risk management tools and analytics intended to assist freelancers and independent investors in assessing financial exposure. The Service is provided on an "as is" and "as available" basis. Creeton does not guarantee uninterrupted or error-free operation of the Service.

3. No Financial Advice

Nothing provided through the Service constitutes personalised financial, investment, legal, or tax advice. Any outputs, projections, scores, or insights generated by the platform are illustrative and based on the data and assumptions available at the time. Investments can fall as well as rise in value, and past performance is not a reliable indicator of future results. You should seek independent professional advice before making financial decisions.

4. Eligibility and Account Registration

To use certain features of the Service, you may be required to register for 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 or regulation.
• Upload or transmit malicious code, viruses, or harmful data.
• Attempt to gain unauthorised access to the Service, other accounts, or related systems.
• Reverse engineer, decompile, or attempt to extract the source code of the platform.
• Use automated means to scrape, mine, or extract data from the Service without prior written consent.

6. Subscription, Fees, and Billing

Certain features of the Service may require payment of fees. Where applicable, fees, billing cycles, and cancellation terms will be presented to you prior to purchase. Unless otherwise stated, fees are non-refundable. Creeton reserves the right to modify pricing with reasonable advance notice.

7. Intellectual Property

All content, software, trademarks, logos, and materials made available through the Service are the property of Creeton or its licensors and are protected by applicable intellectual property laws. Except as expressly permitted, you may not copy, modify, distribute, sell, or lease any part of the Service.

8. User Data and Content

You retain ownership of any data or content you submit to the Service. By submitting such content, you grant Creeton a limited, non-exclusive licence to use, process, and store that content solely for the purpose of operating and improving the Service, in accordance with our Privacy Policy.

9. Third-Party Services and Links

The Service may contain links to or integrations with third-party websites, tools, or services that are not owned or controlled by Creeton. We are not responsible for the content, accuracy, or practices of any third-party services, and your use of them is at your own risk.

10. Disclaimers

To the fullest extent permitted by applicable law, Creeton disclaims all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. Creeton does not warrant that the Service will be accurate, complete, reliable, or free of errors or interruptions.

11. Limitation of Liability

To the fullest extent permitted by law, Creeton, its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, 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.

12. Indemnification

You agree to indemnify and hold harmless Creeton and its affiliates from any claims, damages, losses, liabilities, and expenses arising from your breach of these Terms or your misuse of the Service.

13. Termination

Creeton may suspend or terminate your access to the Service at any time, with or without notice, if we believe you have violated these Terms or for any other reason at our discretion. You may stop using the Service and request account closure at any time.

14. Changes to the Service and Terms

Creeton reserves the right to 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 indicated by updating the "Last updated" date below. Continued use of the Service after changes take effect 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 Creeton operates, 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.

16. 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.

17. Contact

If you have questions about these Terms, please get in touch via our contact page.

Last updated: general template — date to be confirmed upon publication.