Terms of Service

Last updated: August 13, 2026

1. Acceptance of Terms

By accessing or using the InvestWise website and risk appetite assessment tool ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service.

2. Description of Service

InvestWise provides a free online risk appetite assessment tool that generates general investment recommendations based on user responses. The Service is intended for educational and informational purposes only.

3. Eligibility

You must be at least 18 years of age to use this Service. By using InvestWise, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

4. No Financial Advisory Relationship

Use of InvestWise does not create a financial advisor-client, broker-client, or any other fiduciary relationship. We are not licensed financial advisors and do not provide personalized investment advice. See our Disclaimer for full details.

5. User Responsibilities

You agree to:

• Provide honest and accurate responses in the risk assessment quiz
• Use the Service only for lawful, personal, non-commercial purposes
• Not attempt to reverse engineer, scrape, or exploit the Service
• Not use the Service to make investment decisions without consulting a qualified professional
• Not reproduce, redistribute, or republish our content without written permission

6. Intellectual Property

All content on InvestWise — including text, graphics, logos, quiz questions, algorithms, and design — is the property of InvestWise and is protected by applicable copyright and intellectual property laws. You may not copy, modify, or distribute our content without prior written consent.

7. Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we handle information. The risk assessment quiz processes data locally in your browser and does not transmit answers to our servers.

8. Disclaimer of Warranties

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 implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

9. Limitation of Liability

To the fullest extent permitted by law, InvestWise shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or investment capital, arising from your use of or inability to use the Service.

10. Indemnification

You agree to indemnify and hold harmless InvestWise, its owners, and affiliates from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

11. Modifications

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to this page with an updated "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the modified Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles. Any disputes shall be resolved in the courts of competent jurisdiction.

13. Contact

For questions about these Terms, contact us at digitalroshiii@gmail.com.