Terms of Service

1. Acceptance of Terms

By creating an account, accessing our tools, or otherwise using the Service, you confirm that you are at least 18 years of age and have the legal capacity to enter into a binding agreement with HTPMarket. If you are using the Service on behalf of an organisation, you represent that you have the authority to bind that organisation to these Terms.

2. Description of Service

HTPMarket provides a predictive capital management platform designed to help independent professionals model, plan, and monitor their financial activity. The Service is provided for informational and planning purposes and does not constitute financial, tax, legal, or investment advice. Any decisions made based on outputs from the Service are made at your own discretion and risk.

3. Account Registration

To access certain features, you may be required to register for an account. You agree to provide accurate, current, and complete information during registration and to keep this information up to date. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

4. Acceptable Use

You agree not to use the Service in any way that:

• Violates any applicable law, regulation, or third-party right;
• Attempts to interfere with, disrupt, or gain unauthorised access to the Service or its underlying systems;
• Involves the transmission of malicious code, spam, or unsolicited communications;
• Misrepresents your identity or affiliation with any person or entity;
• Reverse engineers, decompiles, or attempts to extract the source code of the Service, except as permitted by law.

5. Subscription, Fees, and Payment

Certain features of the Service may require payment of subscription fees. Where applicable, fees, billing cycles, and payment terms will be presented to you at the point of purchase. Unless otherwise stated, fees are non-refundable. We reserve the right to modify our pricing with reasonable advance notice.

6. Intellectual Property

All content, design elements, software, and materials associated with the Service are the property of HTPMarket or its licensors and are protected by applicable intellectual property laws. These Terms do not grant you any ownership rights in the Service; you are granted a limited, non-exclusive, non-transferable licence to use the Service in accordance with these Terms.

7. Data and Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and safeguard information. By using the Service, you consent to the practices described in that policy.

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, or non-infringement. HTPMarket does not warrant that the Service will be uninterrupted, error-free, or that any projections, forecasts, or outputs generated by the platform will be accurate or suitable for your specific circumstances.

9. Limitation of Liability

To the fullest extent permitted by applicable law, HTPMarket and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill arising from 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 HTPMarket from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your use of the Service or your violation of these Terms.

11. Termination

We may suspend or terminate your access to the Service at any time, with or without cause or notice, including if we reasonably believe you have violated these Terms. You may also terminate your account at any time by discontinuing use of the Service and, where applicable, following our account closure process.

12. Changes to the Service and Terms

We may modify, suspend, or discontinue any part of the Service at our discretion. We may also update these Terms from time to time; material changes will be communicated through the Service or by other reasonable means. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which HTPMarket 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, unless otherwise required by mandatory law.

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 through the contact details provided on our Contact page.

Last updated: this document should be dated and reviewed periodically to remain accurate and current.