Terms & Conditions

1. Agreement to These Terms

These Terms & Conditions (“Terms”) govern access to and use of the ORQENTA website, applications, and related services (“Services”). By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

2. Eligibility and Accounts

You must be at least 18 years old and legally able to enter into a binding agreement to use ORQENTA. You agree to provide accurate account information, keep your login credentials secure, and notify us promptly of suspected unauthorized access.

3. Description of the Services

ORQENTA provides organizational and informational tools that may help users view financial activity, categorize spending, review cashflow, set budgets, and track goals. Features may change over time and may depend on your plan, location, connected institutions, or third-party providers.

4. No Financial, Investment, Tax, or Legal Advice

ORQENTA is a software tool, not a bank, investment adviser, broker, tax adviser, law firm, or fiduciary. Information, summaries, categories, estimates, and projections are provided for general informational purposes only. You are responsible for reviewing information and making your own financial decisions. Seek qualified professional advice where appropriate.

5. Connected Accounts and Third-Party Services

Some features may rely on third-party financial institutions, account-linking providers, payment processors, or other services. Their availability, accuracy, and terms are controlled by those providers. You authorize the access needed for any connected-account feature you choose to enable, subject to the permissions presented to you.

6. Acceptable Use

• Do not use the Services unlawfully or to violate another person’s rights.

• Do not attempt unauthorized access, interfere with security, or disrupt the Services.

• Do not upload malicious code or use the Services to distribute spam or harmful content.

• Do not reverse engineer or misuse the Services except where applicable law permits.

• Do not misrepresent your identity or provide information you are not authorized to share.

7. Plans, Fees, and Payments

Paid features, if offered, will be described on the pricing page or at checkout. Before purchase, we will display the applicable price, billing interval, and material plan terms. Add the actual payment processor, taxes, renewal rules, cancellation steps, refund policy, and any free-trial terms before accepting payments.

8. Cancellation and Changes

You may cancel a paid subscription using the account or billing controls made available to you. Cancellation timing and access after cancellation will be explained at the point of purchase. We may modify features or pricing prospectively with notice where required by law.

9. Intellectual Property

The Services, including software, branding, design, text, graphics, and other content, are owned by ORQENTA or its licensors and are protected by applicable intellectual property laws. These Terms grant you a limited, personal, non-exclusive, non-transferable right to use the Services for their intended purpose.

10. Privacy

Our collection and use of personal information is described in the ORQENTA Privacy Policy. By using the Services, you acknowledge that you have had an opportunity to review that policy.

11. Availability and Disclaimers

The Services are provided on an “as available” basis. To the maximum extent permitted by law, we disclaim warranties not expressly stated in these Terms, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee uninterrupted or error-free operation.

12. Limitation of Liability

To the maximum extent permitted by applicable law, ORQENTA will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, data, goodwill, or business interruption. Any liability cap must be reviewed and completed by counsel to comply with applicable law.

13. Suspension and Termination

We may suspend or terminate access where reasonably necessary to protect the Services, comply with law, address security risks, or respond to a material breach of these Terms. Where appropriate, we will provide notice and an opportunity to resolve the issue.

14. Changes to These Terms

We may update these Terms from time to time. We will post the revised Terms and update the date above. Continued use after an updated version takes effect means you accept the revised Terms, to the extent permitted by law.

15. Governing Law

Insert the governing jurisdiction, venue, and dispute-resolution process after legal review. Do not publish this section with placeholder or unverified jurisdiction details.

16. Contact

Questions about these Terms: hello@orqenta.demo • ORQENTA, 123 Market Street, Suite 400, San Francisco, CA 94105, USA. Demo details only; replace before launch.