Terms & Conditions

1. OUR SERVICES

theoinvest is an AI-assisted tool that helps you build bottoms-up financial models from a description of your company and download them as a live Excel workbook, a CSV, and a branded PDF report. The Services run on AI provider keys that you connect (bring-your-own-key).

The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation. Those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.

The Services are not tailored to comply with industry-specific regulations such as the Health Insurance Portability and Accountability Act (HIPAA), the Federal Information Security Management Act (FISMA), or the Gramm-Leach-Bliley Act (GLBA). If your interactions would be subject to such laws, you may not use the Services. The Services do not provide financial, investment, legal, tax, or accounting advice.

2. INTELLECTUAL PROPERTY RIGHTS

Our intellectual property

We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks"). Our Content and Marks are protected by copyright and trademark laws and treaties in the United States and around the world.

Subject to your compliance with these Legal Terms, we grant you a non-exclusive, non-transferable, revocable license to access the Services and to use the Content solely for your personal or internal business purposes.

Your content and submissions

You retain all ownership rights in the inputs you provide (such as your brief, profile, and uploaded materials) and in the financial models and artifacts you generate using the Services. By using the Services, you grant us a limited license to host, store, process, and transmit your content as necessary to operate and provide the Services to you.

3. USER REPRESENTATIONS

By using the Services, you represent and warrant that: (1) all registration information you submit will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information; (3) you have the legal capacity and you agree to comply with these Legal Terms; (4) you are not under the age of 18; (5) you will not access the Services through automated or non-human means; (6) you will not use the Services for any illegal or unauthorized purpose; and (7) your use of the Services will not violate any applicable law or regulation.

4. USER REGISTRATION

You may be required to register to use the Services. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.

5. FREE SERVICE AND BRING-YOUR-OWN-KEY

The Services are currently provided free of charge. We do not process payments and we do not charge subscription fees for access to the Services.

The Services operate on a bring-your-own-key basis. To generate models, you must connect your own API key for a supported AI provider (Theo, Anthropic, Google, or OpenAI). You are solely responsible for obtaining those keys, for maintaining your accounts with those providers, for complying with each provider's terms, and for any fees, usage costs, or charges those providers bill to you. We are not a party to your relationship with any AI provider and are not responsible for their availability, pricing, or actions.

We reserve the right to introduce paid features in the future. If we do, we will provide notice and any applicable terms before you incur any charge.

6. YOUR CONTENT AND DATA

You are solely responsible for the content and information you submit to the Services and for ensuring you have the rights necessary to submit it. You represent that your content does not and will not infringe the rights of any third party, and does not contain material that is unlawful, defamatory, or otherwise objectionable.

We do not claim ownership of your content, and we do not use your content to train AI models. Our handling of personal information is described in our Privacy Policy.

7. PROHIBITED ACTIVITIES

You may not access or use the Services for any purpose other than that for which we make the Services available. As a user of the Services, you agree not to:

• Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
• Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.
• Circumvent, disable, or otherwise interfere with security-related features of the Services.
• Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services.
• Use any information obtained from the Services in order to harass, abuse, or harm another person.
• Make improper use of our support services or submit false reports of abuse or misconduct.
• Use the Services in a manner inconsistent with any applicable laws or regulations.
• Engage in unauthorized framing of or linking to the Services.
• Upload or transmit viruses, Trojan horses, or other material that interferes with any party's uninterrupted use and enjoyment of the Services, or that modifies, impairs, or disrupts the Services.
• Engage in any automated use of the system, such as using scripts, data mining, robots, or similar data gathering and extraction tools.
• Delete the copyright or other proprietary rights notice from any Content.
• Attempt to impersonate another user or person, or use the username of another user.
• Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services.
• Decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services, except as permitted by applicable law.
• Attempt to bypass any measures of the Services designed to prevent or restrict access.
• Copy or adapt the Services' software.
• Use the Services as part of any effort to compete with us, or otherwise use the Services and/or the Content for any commercial enterprise not expressly permitted.
• Provide, resell, or otherwise make the Services available to any third party, or sell or transfer your profile.

8. ACCEPTABLE USE OF AI

When you use the AI features of the Services, you agree to engage with them in a lawful, ethical, and responsible manner. In addition to the prohibited activities above, you warrant that you will not:

• Deploy AI techniques that use subliminal, manipulative, or deceptive methods designed to distort behavior and impair informed decision-making, particularly where this causes significant harm.
• Exploit vulnerabilities related to age, disability, or socio-economic circumstances in a way that distorts behavior or decision-making and causes harm.
• Use AI for biometric categorization that infers sensitive attributes, or for social scoring that leads to unfair or discriminatory treatment.
• Use AI to assess or predict the likelihood of an individual committing a criminal offense based solely on profiling or personality traits.
• Generate or disseminate content that is unlawful, infringing, deceptive, defamatory, or that facilitates fraud or harm to others.
• Use the AI features in any way that violates the terms, policies, or usage restrictions of the underlying AI provider whose key you connect.

You are solely responsible for any output you generate and for how you use it, and you remain responsible for verifying its accuracy before relying on it.

9. THIRD-PARTY SERVICES AND AI PROVIDERS

The Services rely on and may link to third-party services, including authentication, hosting, and AI providers. We are not responsible for the content, accuracy, availability, or practices of any third-party services. When you connect an AI provider key, your use of that provider is governed by the provider's own terms and privacy policy. Any dealings you have with third parties are solely between you and that third party.

10. SERVICES MANAGEMENT

We reserve the right, but not the obligation, to: (1) monitor the Services for violations of these Legal Terms; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms; (3) refuse, restrict access to, or disable any of your contributions; and (4) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.

11. PRIVACY POLICY

We care about data privacy and security. Please review our Privacy Policy at https://theoinvest.app/privacy. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. The Services are hosted in the United States; if you access the Services from another region, you are transferring your data to the United States and you consent to have your data processed there.

12. INTELLECTUAL PROPERTY INFRINGEMENT

We respect the intellectual property rights of others. If you believe that any material available on or through the Services infringes a copyright or other intellectual property right you own or control, please promptly notify us at hello@theovex.com with a detailed description of the alleged infringement. Please be aware that you may be held liable for damages if you make a material misrepresentation in such a notice.

13. TERM AND TERMINATION

These Legal Terms shall remain in full force and effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES TO ANY PERSON FOR ANY REASON, INCLUDING FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE LEGAL TERMS OR OF ANY APPLICABLE LAW. We may terminate your use or participation in the Services or delete your account and any content at any time, without warning, in our sole discretion. You may terminate your account at any time by deleting it in your account settings.

14. MODIFICATIONS AND INTERRUPTIONS

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. We also reserve the right to modify or discontinue all or part of the Services without notice at any time. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services. We cannot guarantee the Services will be available at all times and may experience hardware, software, or other problems or need to perform maintenance, resulting in interruptions, delays, or errors.

15. GOVERNING LAW

These Legal Terms and your use of the Services are governed by and construed in accordance with the laws of the State of Delaware, applicable to agreements made and to be entirely performed within the State of Delaware, without regard to its conflict of law principles.

16. DISPUTE RESOLUTION

You agree to first attempt to resolve any dispute, claim, or controversy arising out of or relating to these Legal Terms informally by contacting us at hello@theovex.com. If a dispute cannot be resolved informally, you and the Company agree that the courts located in the State of Delaware shall have exclusive jurisdiction, and you consent to personal jurisdiction and venue there. To the fullest extent permitted by law, any dispute will be resolved on an individual basis and not as part of a class action.

17. CORRECTIONS

There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, and availability. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

18. DISCLAIMER

THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

THE FINANCIAL MODELS, PROJECTIONS, AND OTHER OUTPUT GENERATED BY THE SERVICES ARE AI-GENERATED ESTIMATES BASED ON THE INPUTS YOU PROVIDE. THEY MAY CONTAIN ERRORS AND DO NOT CONSTITUTE FINANCIAL, INVESTMENT, LEGAL, TAX, OR ACCOUNTING ADVICE. YOU ARE SOLELY RESPONSIBLE FOR REVIEWING AND VALIDATING ALL OUTPUT AND FOR ANY DECISIONS MADE IN RELIANCE ON IT. WE MAKE NO WARRANTY REGARDING THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY OUTPUT.

19. LIMITATIONS OF LIABILITY

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE FULLEST EXTENT PERMITTED BY LAW, OUR AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS WILL BE LIMITED TO THE AMOUNT YOU PAID, IF ANY, TO US DURING THE SIX (6) MONTHS PRIOR TO THE EVENT GIVING RISE TO THE CLAIM. BECAUSE THE SERVICES ARE PROVIDED FREE OF CHARGE, THIS AMOUNT MAY BE ZERO.

20. INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of your use of the Services, your breach of these Legal Terms, or your violation of the rights of a third party.

21. USER DATA

We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, as well as data relating to your use of the Services. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services. You agree that we shall have no liability to you for any loss or corruption of any such data, and you waive any right of action against us arising from any such loss or corruption.

22. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communication be in writing. You agree to the use of electronic signatures, contracts, orders, and other records, and to electronic delivery of notices, policies, and records of transactions initiated or completed by us or via the Services.

23. CALIFORNIA USERS AND RESIDENTS

If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.

24. MISCELLANEOUS

These Legal Terms and any policies or operating rules posted by us on the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part is deemed severable and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment, or agency relationship created between you and us as a result of these Legal Terms or use of the Services.

25. CONTACT US

In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at hello@theovex.com, or by post at: TheoveX Inc., 3399 NW 72nd Ave Ste 228, Miami, FL 33122, United States.