Terms of Service

1. Acceptance of Terms

By accessing or using the Rimba Nilaitama website or any associated tools, content, or services, you agree to be bound by these Terms. If you do not agree to these Terms, you should not use the Service. We may update these Terms from time to time, and continued use of the Service after changes are posted constitutes acceptance of the revised Terms.

2. Description of Service

Rimba Nilaitama provides AI-driven risk analysis and portfolio guidance tools intended to support long-term household investment planning. The Service is provided for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice. Any outputs, projections, or recommendations generated through the Service are based on models and assumptions that may not reflect actual market conditions or your individual circumstances.

3. No Financial Advice

Nothing provided through the Service should be interpreted as a personalized recommendation to buy, sell, or hold any security or financial instrument. You are solely responsible for any financial decisions you make, and we strongly encourage you to consult a qualified, licensed financial advisor before acting on any information obtained through the Service.

4. Eligibility and Account Responsibility

You must be legally capable of entering into a binding agreement to use the Service. If you create an account, you are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us promptly of any unauthorized use of your account.

5. Acceptable Use

You agree not to misuse the Service. This includes, without limitation, agreeing not to:

• Use the Service for any unlawful purpose or in violation of any applicable regulation;
• Attempt to gain unauthorized access to our systems, data, or infrastructure;
• Interfere with or disrupt the integrity or performance of the Service;
• Reverse engineer, decompile, or attempt to extract the underlying models or source code of the Service;
• Use automated means to scrape, copy, or republish content from the Service without authorization.

6. Intellectual Property

All content, software, design elements, trademarks, and materials associated with the Service are owned by Rimba Nilaitama or its licensors and are protected by applicable intellectual property laws. Nothing in these Terms grants you any right or license to use our trademarks, logos, or branding without prior written consent.

7. Third-Party Links and Services

The Service may contain links to third-party websites or services that are not owned or controlled by Rimba Nilaitama. We are not responsible for the content, accuracy, or practices of any third-party sites and do not endorse them. Your use of third-party services is subject to their own terms and policies.

8. 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, accuracy, or non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components, or that any analysis or output will be accurate or suitable for your specific situation.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Rimba Nilaitama and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or financial loss, arising from or related to your use of, or inability to use, the Service, even if advised of the possibility of such damages.

10. Indemnification

You agree to indemnify and hold harmless Rimba Nilaitama and its affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

11. Termination

We reserve 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 or is otherwise harmful to other users, us, or third parties. You may also discontinue use of the Service at any time.

12. Changes to the Service

We may modify, suspend, or discontinue the Service, in whole or in part, at any time without prior notice. We are not liable for any modification, suspension, or discontinuation of the Service.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Rimba Nilaitama 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.

14. 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.

15. Contact

If you have questions about these Terms, please reach out via the contact details provided on our Contact page.

Last updated: This draft is provided as a placeholder and should be dated and reviewed before publication.