Terms of Service

1. Eligibility

• You must be at least 18 years old to use our Services.
• By using our Services, you represent that you have the legal authority to enter into these Terms.

2. Services Provided

• Disrupting Insights offers a platform that uses AI-powered matching to connect startups with potential investors.
• We do not act as a broker, dealer, financial advisor, or intermediary. We do not guarantee funding or investment outcomes.

3. User Accounts

To access certain features, you may be required to create an account. You agree to:

• Provide accurate, current, and complete information.
• Keep your login credentials secure.
• Accept responsibility for all activity under your account.

4. Acceptable Use

You agree not to:

• Use the Services for unlawful, fraudulent, or misleading purposes.
• Infringe on the intellectual property or privacy rights of others.
• Attempt to disrupt, hack, or misuse the Services.

5. Intellectual Property

• All content, trademarks, and technology provided through the Services remain the property of Disrupting Insights.
• You may not copy, distribute, or modify our content without prior written consent.

6. Privacy

• Our handling of personal data is governed by our [Privacy Policy].
• By using our Services, you consent to the collection and processing of data as described in that policy.

7. No Investment Advice

• We do not provide investment, legal, or financial advice.
• Any connections or recommendations generated by our platform are for informational purposes only.
• Users are solely responsible for conducting due diligence before entering into any investment relationships.

8. Limitation of Liability

• The Services are provided "as is" without warranties of any kind.
• We are not liable for indirect, incidental, or consequential damages arising from your use of the Services.
• Our total liability to you for any claim shall not exceed the amount paid (if any) for using the Services in the past 12 months.

9. Subscriptions & Payments

• Certain features of our Services may be offered on a paid subscription basis.
• By subscribing, you agree to pay all applicable fees as displayed at the time of purchase.
• Payments are processed through third-party providers, and you authorize us to charge your selected payment method.
• Subscription fees are non-refundable except as required by law.
• We reserve the right to change pricing or subscription features with prior notice. Continued use of the Services after changes take effect constitutes your acceptance.
• Failure to pay may result in suspension or termination of your account.

10. Refunds & Cancellation Policy

• Unless otherwise required by law, all subscription fees are non-refundable.
• You may cancel your subscription at any time through your account settings.
• Cancellations take effect at the end of the current billing cycle; you will continue to have access to the Services until that date.
• We do not provide pro-rata refunds for partial use, early cancellation, or unused features.
• If you believe you were charged in error, you must notify us within 14 days of the transaction.

11. Termination

• We may suspend or terminate your access to the Services at our sole discretion, without notice, if you violate these Terms.
• You may close your account at any time by contacting us.

12. Changes to Terms

• We may update these Terms from time to time.
• Changes are effective when posted, and your continued use of the Services means you accept them.

13. Governing Law

• These Terms are governed by the laws of United States of America.
• Any disputes will be subject to the exclusive jurisdiction of the courts in that jurisdiction.

14. Contact Us

If you have questions about these Terms, contact us at: 📧 hello@disruptinginsights.com