Terms of Service

By accessing or using any services provided by Polytensor, LLC (“Polytensor,” “we,” “our,” or “us”), including polytensorlabs.com and our products such as Chillfolio, you agree to be bound by these Terms of Service.

Please read these terms carefully. If you do not agree, do not use our services.

1. Acceptance of terms

• By creating an account or using any Polytensor service, you confirm that you are at least 13 years of age and have the legal capacity to enter into these terms.
• If you are using our services on behalf of an organization, you represent that you have the authority to bind that organization to these terms.

2. Use of services

• You may use our services only for lawful purposes and in accordance with these terms.
• You agree not to: use the services to transmit harmful, illegal, or abusive content; attempt to gain unauthorized access to our systems; interfere with or disrupt the integrity or performance of our services; reverse engineer any part of our software or services.
• We reserve the right to suspend or terminate accounts that violate these terms.

3. User accounts

• You are responsible for maintaining the security of your account credentials.
• You must notify us immediately if you suspect unauthorized access to your account.
• You are responsible for all activity that occurs under your account.
• We reserve the right to disable accounts that are inactive for extended periods.

4. Intellectual property

• All content, software, and intellectual property associated with Polytensor's services are owned by Polytensor, LLC or its licensors.
• You are granted a limited, non-exclusive, non-transferable license to use our services for personal, non-commercial purposes.
• You may not copy, modify, distribute, sell, or lease any part of our services without prior written permission.

5. User content

• Content you submit to our services (such as portfolio data) remains yours. You grant us a limited license to store and process it to provide the service.
• We do not claim ownership of your data.
• You represent that you have the rights to any content you submit.

6. Disclaimers

• Polytensor's services, including Chillfolio, are provided "as is" without warranties of any kind, express or implied.
• Chillfolio is an informational tool only and does not constitute financial advice. Investment decisions are your own responsibility.
• We do not guarantee the accuracy, completeness, or timeliness of any financial data displayed.
• We make no warranty that our services will be uninterrupted, error-free, or free of viruses.

7. Limitation of liability

• To the maximum extent permitted by law, Polytensor, LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages.
• This includes, but is not limited to, loss of profits, loss of data, or financial losses arising from your use of our services.
• Our total liability for any claim related to our services is limited to the amount you paid us in the 12 months preceding the claim.

8. Modifications

• We reserve the right to modify these terms at any time. We will notify you of material changes.
• Continued use of our services after changes are posted constitutes acceptance of the revised terms.

9. Termination

• You may stop using our services at any time.
• We may suspend or terminate your access to our services at our discretion, with or without notice, for conduct that violates these terms.
• Upon termination, your right to use the services ceases immediately.

10. Governing law

• These terms are governed by the laws of the United States, without regard to conflict of law principles.
• Any disputes arising from these terms shall be resolved through binding arbitration or in the courts of applicable jurisdiction.

11. Contact

• For questions about these terms, contact us at:
• Polytensor, LLC legal@polytensorlabs.com