Terms and Conditions

1. Acceptance of Terms

By accessing or using the Lucid Swapworthen website, platform, or any associated services (collectively, the "Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree with any part of these Terms, you must not use the Service.

These Terms apply to all visitors, users, and others who access or use the Service, including parents, guardians, and individuals acting on behalf of a family or household.

2. Description of Service

Lucid Swapworthen provides AI-assisted data analysis and informational decision-support tools intended to help users organize and review information related to family financial matters. The Service is designed to support, not replace, independent judgment and professional advice.

Lucid Swapworthen is not a financial advisor, broker, bank, or regulated financial institution. Nothing presented through the Service constitutes financial, legal, tax, or investment advice, and no output from the Service should be relied upon as such.

3. Eligibility and Account Responsibility

You must be at least 18 years old and legally capable of entering into a binding agreement to use the Service. If you create an account, you are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.

You agree to provide accurate, current, and complete information when using the Service and to update such information as necessary. Lucid Swapworthen is not responsible for any loss arising from inaccurate information you provide.

4. Acceptable Use

You agree not to misuse the Service. This includes, without limitation, agreeing not to:

• Use the Service for any unlawful purpose or in violation of any applicable regulation;
• Attempt to gain unauthorized access to any part of the Service, other accounts, or related systems;
• Reverse engineer, decompile, or otherwise attempt to extract the underlying logic of the Service;
• Upload or transmit any content that is harmful, infringing, or that you do not have the right to share;
• Use automated means to scrape, copy, or extract data from the Service without prior written permission.

5. No Professional or Fiduciary Relationship

Use of the Service does not create a fiduciary, advisory, or professional relationship between you and Lucid Swapworthen. Any insights, summaries, or analysis generated by the Service are provided for informational purposes only and should be independently verified before any decision is made.

You remain solely responsible for any financial, legal, or personal decisions you make, whether or not informed by output from the Service.

6. Intellectual Property

All content, software, design, trademarks, and materials associated with the Service, excluding content you submit, are the property of Lucid Swapworthen or its licensors and are protected by applicable intellectual property laws. You may not copy, modify, distribute, or create derivative works from any part of the Service without prior written consent.

7. User Content

Any information or data you submit to the Service remains your property. By submitting such content, you grant Lucid Swapworthen a limited license to process it solely for the purpose of providing and improving the Service, in accordance with our Privacy Policy.

8. Subscription, Fees, and Billing

Certain features of the Service may require payment of fees. Where applicable, pricing, billing cycles, and cancellation terms will be presented to you at the point of purchase. All fees are non-refundable except where required by applicable law or expressly stated otherwise.

9. 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, accuracy, or non-infringement.

Lucid Swapworthen does not guarantee that the Service will be uninterrupted, error-free, or free of harmful components, and does not warrant the accuracy, completeness, or reliability of any output generated by the Service.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Lucid Swapworthen, its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or financial opportunity, arising out of or related to your use of, or inability to use, the Service, even if advised of the possibility of such damages.

Nothing in these Terms is intended to exclude or limit liability that cannot be excluded or limited under applicable law.

11. Indemnification

You agree to indemnify and hold harmless Lucid Swapworthen and its affiliates from any claims, damages, losses, or expenses, including reasonable legal fees, arising from your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

12. Termination

Lucid Swapworthen may suspend or terminate your access to the Service at any time, with or without notice, if we believe you have violated these Terms or engaged in conduct that may harm Lucid Swapworthen, other users, or third parties. You may also discontinue use of the Service at any time.

13. Changes to the Service and Terms

We reserve the right to modify, suspend, or discontinue the Service, in whole or in part, at any time. We may also revise these Terms from time to time. Continued use of the Service after any such changes constitutes your acceptance of the updated Terms. We encourage you to review this page periodically.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the applicable jurisdiction in which Lucid Swapworthen operates, without regard to its conflict of law principles. [This section should be reviewed and finalized by qualified legal counsel based on your specific jurisdiction.]

15. 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.

16. Contact

If you have any questions about these Terms, please reach out via our contact page.