Terms of Service

1. Eligibility and User Obligations

• You must be at least 18 years of age, or the age of majority in your jurisdiction, to use our Services.
• By using our Services, you represent and warrant that you have the legal capacity and authority to enter into these Terms.
• You agree to provide accurate, current, and complete information as required for registration or interaction with our Services.
• You are responsible for maintaining the confidentiality of your login credentials and for all activities conducted under your account.

2. Nature of Services

• Qlarro Financial provides financial education, planning tools, resources, and access to professional financial planning services.
• Content provided through our Services is for educational and informational purposes only and does not constitute personalized financial, investment, legal, or tax advice.
• Any financial decisions you make are your responsibility. We recommend consulting with licensed professionals before making significant financial decisions.

3. Account Registration and Security

To access certain features, you may need to register for an account. You agree to:

• Maintain the accuracy of your information.
• Immediately notify us of unauthorized use of your account.
• Accept full responsibility for all activities that occur under your account.

We are not liable for any loss or damage arising from your failure to comply with these security obligations.

4. User Conduct

You agree not to:

• Use the Services for unlawful purposes.
• Misrepresent your identity or affiliation.
• Attempt to gain unauthorized access to any portion of the Services.
• Introduce viruses, malware, or other harmful technology.
• Interfere with the operation of the Services or the use of the Services by others.

5. Intellectual Property Rights

• All content, logos, designs, text, graphics, images, software, and other materials provided through the Services are the intellectual property of Qlarro Financial or our licensors.
• You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Services for personal, non-commercial use only.
• You may not reproduce, modify, distribute, or exploit any part of the Services without prior written consent from Qlarro Financial.

6. Third-Party Services and Links

• Our Services may include links to third-party websites or services.
• Qlarro Financial is not responsible for the content, privacy practices, or accuracy of third-party sites.
• Your use of third-party sites is at your own risk.

7. Privacy

Our collection, use, and disclosure of your personal information are governed by our Privacy Policy. By using the Services, you consent to the practices described in our Privacy Policy.

8. Disclaimers

• The Services are provided on an "as is" and "as available" basis.
• Qlarro Financial disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.
• We do not guarantee the accuracy, completeness, or reliability of any information on the Services.
• We make no representations that the Services will be uninterrupted, secure, or error-free.

9. Limitation of Liability

To the fullest extent permitted by law, Qlarro Financial and its officers, employees, agents, or affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use of the Services.
• Any interruption or unavailability of the Services.
• Errors, inaccuracies, or omissions in the content.

Our total liability for any claim shall not exceed the amount you paid, if any, for use of the Services during the six months preceding the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless Qlarro Financial, its officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, costs, or expenses (including legal fees) arising from:

• Your use of the Services.
• Your violation of these Terms.
• Your violation of any third-party rights, including intellectual property or privacy rights.

11. Modifications to Services

We reserve the right to modify, suspend, or discontinue the Services at any time without notice. We are not liable for any modification, suspension, or discontinuation of the Services.

12. Termination

We may suspend or terminate your access to the Services if we believe you have violated these Terms. Upon termination, your right to use the Services will immediately cease. Provisions that should reasonably survive termination shall survive, including limitations of liability, indemnification, and intellectual property provisions.

13. Governing Law and Dispute Resolution

• These Terms shall be governed by the laws of the State of California, without regard to its conflict of laws principles.
• Any disputes shall be resolved exclusively in the courts of San Mateo County, California.
• You agree to the jurisdiction and venue of these courts.

14. Class Action Waiver

You agree that any dispute shall be resolved individually, and you waive the right to participate in a class action lawsuit or class-wide arbitration.

15. Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Qlarro Financial regarding the Services.

17. Changes to Terms

We may revise these Terms at any time. Continued use of the Services after changes are posted constitutes your acceptance of the revised Terms.