Terms of Service

1. Acceptance of terms

By accessing or using ODOpt (the "Service"), you agree to be bound by these Terms of Service. If you do not accept these Terms, you must not use the Service.

2. Purpose and nature of the Service

The Service provides illustrative calculations, estimates, and scenario comparisons for educational and informational purposes only. The Service does not certify, guarantee, or warrant the correctness, completeness, or current applicability of any calculations or outputs.

Monte Carlo simulation outputs are probabilistic projections based on historical data and user-supplied assumptions. They are not predictions of future investment performance and should not be treated as such.

3. No advice

The Service does not provide financial, tax, legal, investment, or accounting advice. This includes outputs generated by the retirement planner, tax tools, salary optimiser, and the Ask ODO AI assistant. You must independently verify all outputs, review current legislation, and consult qualified professionals before making any decisions.

4. AI assistant

The Ask ODO assistant is an AI-powered feature designed to help you interpret plan outputs. Its responses are generated by a large language model and are limited in scope to explaining data produced by the Service. Ask ODO does not have access to your wider financial circumstances and cannot provide personalised financial advice.

AI-generated responses may contain errors or omissions. You must not rely on Ask ODO responses as the basis for any financial, tax, or investment decision. All responses are subject to the "No advice" clause above.

5. Changes to the Service

We may change, suspend, or discontinue any part of the Service at any time, temporarily or permanently, without notice. We are not liable to you for any modification, suspension, or discontinuation of the Service.

6. Availability

The Service is provided on an "as available" basis. We do not guarantee uninterrupted, secure, or error-free operation. Availability may be affected by maintenance, updates, or reliance on third-party infrastructure and services.

7. Accounts and membership limits

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. Accounts are personal and may not be shared, resold, or transferred. We may impose reasonable limits on usage or features as part of the Service.

8. Payments

Subscription payments are processed by third-party payment providers. Payment processing, billing, and chargebacks are governed by the payment provider's own terms and conditions.

9. Intellectual property

All copyright, trade marks, and other intellectual property rights in the Service and its content — including the website design, text, graphics, calculations, software, and source code — are owned by or licensed to Oosthuizen Consulting.

Subject to your compliance with these Terms, you are granted a limited, non-exclusive, non-transferable right to access and use the Service for your personal or internal business purposes only. Except as expressly permitted, no part of the Service or its content may be copied, reproduced, modified, distributed, sold, licensed, or otherwise exploited without our prior written consent.

You may download, save, or print outputs or pages solely for your own personal or internal business use, provided that all proprietary notices are retained.

10. Third-party links

The Service may contain links to third-party websites or services. Such links are provided for convenience only and do not constitute endorsement. We are not responsible for the content, availability, or practices of third-party sites.

11. Indemnity

You agree to indemnify and hold harmless Oosthuizen Consulting and its affiliates from any claims, losses, liabilities, damages, and expenses arising from your breach of these Terms or your misuse of the Service.

12. Limitation of liability

To the maximum extent permitted by law, we shall not be liable for any indirect, consequential, or economic loss arising from your use of the Service or reliance on any output, projection, or AI-generated response it produces. Nothing in these Terms limits liability that cannot lawfully be excluded.

13. Termination

We may suspend or terminate your access to the Service if you breach these Terms or if access is no longer available due to payment, legal, or technical reasons.

14. Changes to these Terms

We may update these Terms from time to time. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

15. Governing law

These Terms are governed by the laws of England and Wales, and the courts of England shall have exclusive jurisdiction.