Terms of Use
Last Updated: February 7, 2025
These Terms of Use govern your access to and use of the services, platform, and related tools provided by Ruoltron through ruoltron.com. By accessing or using our services, you confirm that you have read, understood, and agree to be bound by these terms. If you do not agree, you must not use our services.
1. Acceptance of Terms
By creating an account, accessing the platform, or using any feature of our services, you enter into a legally binding agreement with Ruoltron. These terms apply to all users, including visitors, registered users, and subscribers. Your continued use of the services constitutes ongoing acceptance of any updates to these terms.
2. Eligibility
You must be at least 18 years of age to use our services. By agreeing to these terms, you represent and warrant that you meet this requirement. If you are using our services on behalf of an organization, you represent that you have the authority to bind that organization to these terms.
3. Description of Services
Ruoltron provides an AI-powered financial planning platform designed to support long-term mentorship, strategic guidance, and structured development toward financial goals. The services include but are not limited to personalized planning tools, mentorship sessions, progress tracking, and related digital resources.
The platform is intended as an informational and organizational support tool. Nothing within our services constitutes regulated financial advice, investment advice, or a solicitation to buy or sell any financial instrument.
4. Account Registration and Security
4.1 Account Creation
To access certain features, you are required to register an account. You agree to provide accurate, current, and complete information during registration and to keep that information updated. Providing false or misleading information is grounds for immediate termination of your account.
4.2 Account Responsibility
You are solely responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must notify us immediately at [email protected] if you suspect any unauthorized access or security breach. Ruoltron is not liable for any loss resulting from unauthorized use of your account.
5. Permitted Use
You agree to use our services only for lawful purposes and in a manner consistent with these terms. You must not use the platform to engage in any activity that is fraudulent, harmful, or disruptive. Specifically, you agree not to:
a) Reverse engineer, decompile, or disassemble any part of the platform or its underlying systems.
b) Scrape, harvest, or extract data from the platform through automated means without prior written consent.
c) Attempt to gain unauthorized access to any system, server, or database associated with our services.
d) Upload or transmit viruses, malware, or any code intended to disrupt or damage the platform.
e) Resell, sublicense, or commercially exploit any part of the services without express authorization from Ruoltron.
f) Impersonate any person or entity or misrepresent your affiliation with any person or entity.
6. Intellectual Property
6.1 Ownership
All content, features, and functionality available through the platform — including but not limited to text, graphics, algorithms, interfaces, data models, and software — are the exclusive property of Ruoltron or its licensors and are protected by applicable intellectual property laws.
6.2 Limited License
Ruoltron grants you a limited, non-exclusive, non-transferable, revocable license to access and use the services for your personal or internal business purposes, subject to these terms. This license does not grant you any rights to reproduce, distribute, or create derivative works from our content without explicit written permission.
6.3 User Content
By submitting content to the platform — including data, feedback, or communications — you grant Ruoltron a non-exclusive, worldwide, royalty-free license to use, store, and process that content solely for the purpose of delivering and improving our services. You retain ownership of your content.
7. Subscription and Payment
7.1 Fees
Certain services are available on a subscription basis. All applicable fees are displayed at the point of purchase. By subscribing, you authorize Ruoltron to charge your selected payment method on the terms presented.
7.2 Renewals and Cancellations
Subscriptions renew automatically unless cancelled before the next billing cycle. It is your responsibility to manage your subscription settings. Cancellation instructions are available within your account settings.
7.3 Refunds
Refund eligibility is determined by our refund policy, which is provided at the time of purchase. Unless otherwise stated, fees paid are non-refundable except where required by applicable law.
8. AI-Generated Content and Financial Disclaimer
Our platform uses artificial intelligence to generate planning suggestions, projections, and guidance. All AI-generated outputs are informational in nature and are intended to support your own decision-making process. They do not constitute professional financial, legal, or investment advice.
You acknowledge that financial outcomes are inherently uncertain and that past performance or AI-generated projections are not guarantees of future results. You are solely responsible for any decisions made on the basis of information provided through our platform. Ruoltron strongly recommends consulting a qualified financial professional before making significant financial decisions.
9. Third-Party Services and Links
Our platform may integrate with or contain links to third-party services, tools, or websites. Ruoltron does not endorse and is not responsible for the content, accuracy, or practices of any third-party service. Your use of third-party services is governed by their respective terms and privacy policies.
10. Privacy
Your use of our services is also governed by our Privacy Policy, which is incorporated into these terms by reference. By using the platform, you consent to the collection and use of your information as described in the Privacy Policy. We encourage you to review it carefully.
11. Availability and Modifications
Ruoltron reserves the right to modify, suspend, or discontinue any part of the services at any time, with or without notice. We do not guarantee uninterrupted or error-free availability of the platform. We will make reasonable efforts to provide advance notice of significant changes or planned downtime.
We may also update these terms from time to time. Updated terms will be posted on this page with a revised date. Continued use of the services after changes take effect constitutes your acceptance of the revised terms.
12. Disclaimer of Warranties
The services are provided on an as is and as available basis without warranties of any kind, either express or implied. Ruoltron expressly disclaims all warranties including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the platform will meet your requirements or that it will be free from errors or interruptions.
13. Limitation of Liability
To the fullest extent permitted by applicable law, Ruoltron, its officers, directors, employees, and affiliates shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of the services, even if advised of the possibility of such damages.
In no event shall Ruoltron's total liability to you for any claims arising under these terms exceed the amount paid by you to Ruoltron in the twelve months preceding the claim.
14. Indemnification
You agree to indemnify, defend, and hold harmless Ruoltron and its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses — including reasonable legal fees — arising out of or in any way connected with your access to or use of the services, your violation of these terms, or your infringement of any third-party rights.
15. Termination
Ruoltron may suspend or terminate your access to the services at any time, with or without cause, and with or without notice, including for violations of these terms. Upon termination, your right to use the services ceases immediately. Provisions that by their nature should survive termination — including intellectual property, disclaimers, and limitation of liability — shall survive.
You may terminate your account at any time by contacting us at [email protected] or through your account settings.
16. Governing Terms and Dispute Resolution
These terms are governed by generally accepted principles applicable to online service agreements. In the event of a dispute arising from or relating to these terms or the services, both parties agree to first attempt to resolve the matter through good-faith negotiation. If resolution cannot be reached informally, disputes may be submitted to binding arbitration or the applicable courts as permitted by law.
17. Severability
If any provision of these terms is found to be unenforceable or invalid, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.
18. Entire Agreement
These terms, together with the Privacy Policy and any additional agreements you enter into with Ruoltron, constitute the entire agreement between you and Ruoltron with respect to the services and supersede all prior agreements, representations, and understandings.
19. Contact
If you have questions, concerns, or require clarification regarding these Terms of Use, please contact us:
Ruoltron
771 Choa Chu Kang Street 54, Block 771, Singapore 680771
Phone: +65 6789 5939
Email: [email protected]
Website: ruoltron.com