Terms & Conditions
1. Acceptance of Terms
These Terms & Conditions ("Terms") constitute a legally binding agreement between you and SKXYWTF LLC ("WTF Intelligence", "we", "us", or "our") governing your access to and use of the WTF Intelligence platform, website, financial reasoning setup, and related services (collectively, the "Service").
By registering an account, clicking an acceptance checkbox during registration, or accessing the Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not create an account or use the Service.
2. Description of the Service
WTF Intelligence is a software application designed to provide balance sheet modeling, financial profile aggregation, AI-driven portfolio insights, scenario laboratory simulations, and conversational wealth intelligence.
No Regulated Financial Status: WTF Intelligence is not a registered investment adviser, broker-dealer, financial planner, commodity trading advisor, bank, or licensed financial institution. The Service does not execute securities trades or manage client funds.
3. Eligibility
You must be at least the legal age of majority in your jurisdiction of residence (and in no event under 18 years of age) to register an account or use the Service. By using the Service, you represent and warrant that you meet these eligibility requirements and have full legal capacity to enter into these Terms.
4. Account Registration & Security
To access full application features, you must register an account by providing an email address, full name, password, and explicit legal consent. You agree to:
- Provide accurate, current, and complete information during registration
- Maintain the confidentiality and security of your login credentials
- Promptly update your account details if your information changes
- Accept responsibility for all activities that occur under your account credentials
5. AI-Generated Output & Disclaimers
The Service utilizes automated artificial intelligence and algorithmic models to synthesize data and generate conversational financial responses. You explicitly acknowledge and agree that:
- AI-generated responses may contain inaccuracies, omissions, errors, or outdated information
- AI model outputs should never be treated as professional financial, investment, tax, or legal advice
- You are responsible for independently verifying all calculation results, ratio outputs, and financial suggestions before making real-world financial decisions
- Consulting a qualified, licensed professional is recommended prior to executing any investment strategy or financial transaction
6. No Guarantee of Financial Outcomes
WTF Intelligence makes no guarantees, promises, or representations regarding financial success, investment returns, asset appreciation, profit generation, debt reduction timelines, or loss avoidance. Any scenario lab projections, goal trajectory estimates, or portfolio analytics presented by the Service are theoretical simulations based on software assumptions.
7. User-Provided Financial Information
The accuracy of the calculations, goal summaries, and AI responses produced by WTF Intelligence depends entirely on the completeness and accuracy of the financial information, income, expenses, holdings, and asset valuations you enter. Inaccurate or incomplete inputs will yield incorrect or misleading analysis.
8. Investment & Market Risks
All investments carry risk, including market volatility, liquidity risk, macroeconomic fluctuations, and potential loss of principal capital. Past performance indicators and historical market data do not guarantee future performance or results. You assume full risk for all financial decisions and portfolio allocations you undertake.
9. Prohibited Uses
You agree not to use the Service for any unlawful or prohibited purpose. Prohibited activities include:
- Attempting to bypass authentication, breach API security, or access unauthorized user accounts
- Using automated scripts, bots, scrapers, or crawlers to access or extract data from the Service
- Interfering with, disrupting, or overburdening service servers, networks, or infrastructure
- Reverse engineering, decompiling, or attempting to derive the source code of the application
- Introducing malicious code, viruses, Trojan horses, or harmful data payloads
- Impersonating any person or entity or misrepresenting your affiliation with any entity
10. Intellectual Property
The Service, including software code, UI design, branding, trademarks, graphics, text, and proprietary algorithms, is owned by or licensed to [LEGAL ENTITY NAME] and is protected by copyright, trademark, and intellectual property laws. You are granted a limited, revocable, non-exclusive, non-transferable license to access the Service for personal, non-commercial use.
11. User Content & Data License
You retain ownership of the financial profiles, holdings, and prompt content you submit to the Service. By submitting content, you grant WTF Intelligence a worldwide, non-exclusive, royalty-free license to store, process, reproduce, and transmit such content solely to operate, maintain, and provide the Service to you.
12. Third-Party Services
The Service may interact with third-party infrastructure providers, external model APIs, or external web links. WTF Intelligence is not responsible for the availability, content, policies, or practices of third-party services. Your interaction with third-party providers is subject to their respective terms and privacy policies.
13. Service Availability & Modifications
We strive to maintain continuous availability but do not guarantee uninterrupted, error-free, or zero-downtime operation. We reserve the right to modify, update, suspend, or discontinue any feature or component of the Service at any time without prior notice.
14. Account Suspension & Termination
We reserve the right to suspend or terminate your account and restrict access to the Service at our sole discretion, without prior notice, for conduct that violates these Terms, poses security risks, or causes harm to other users or the platform.
15. Disclaimer of Warranties
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
16. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SKXYWTF LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE.
17. Changes to Terms
We reserve the right to update these Terms at any time. Material updates will be indicated by an updated "Effective Date" and version number. Your continued use of the Service following published modifications constitutes acceptance of the revised Terms.
18. Governing Law & Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts located in Phoenix, Arizona.
19. Contact Information
If you have questions or concerns regarding these Terms & Conditions, please contact us at: