Terms and Conditions

1. Acceptance of Terms

By accessing or using the Borrowdale website (the "Site") or any associated services, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree with any part of these Terms, you should not use the Site or our services.

This is a general draft of our Terms and Conditions. It is intended as a working template and should be reviewed and adapted to reflect the specific legal and regulatory requirements applicable to Borrowdale before being relied upon as a final, binding document.

2. Description of Services

Borrowdale provides AI-driven data analysis tools intended to help individuals, including retirees, evaluate portfolio costs and fee structures. Our services are informational and analytical in nature.

3. Eligibility

By using the Site, you represent that you are at least 18 years of age and have the legal capacity to enter into these Terms. The Site is intended for general informational use and is not directed at any specific jurisdiction's regulated investor class.

4. User Submissions and Accuracy

Where you submit information through forms, contact requests, or other means on the Site, you agree to provide accurate and truthful information. Borrowdale is not responsible for the accuracy of analysis or outcomes derived from inaccurate, incomplete, or outdated information you provide.

5. No Guarantee of Results

Any figures, projections, estimates, or examples presented on the Site — including illustrations of potential fee savings or portfolio outcomes — are provided for illustrative purposes only. They do not constitute a guarantee, promise, or prediction of actual results. Past performance, hypothetical scenarios, or comparative examples are not indicative of future outcomes.

6. Intellectual Property

All content on the Site, including text, graphics, logos, methodology descriptions, and design elements, is the property of Borrowdale or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from Site content without prior written permission.

7. Acceptable Use

You agree not to use the Site for any unlawful purpose, to interfere with the Site's operation, to attempt unauthorized access to our systems, or to use automated means to extract content from the Site without permission.

8. Third-Party Links

The Site may contain links to third-party websites or resources. Borrowdale does not endorse and is not responsible for the content, accuracy, or practices of any linked third-party sites.

9. Disclaimers and Limitation of Liability

The Site and its services are 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, or non-infringement.

To the fullest extent permitted by applicable law, Borrowdale, its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising out of or related to your use of, or inability to use, the Site or its services.

10. Fees and Charges

Any fees associated with services offered through Borrowdale will be disclosed separately and in advance of engagement. Nothing in these Terms should be interpreted as a binding fee schedule; specific terms of engagement will be communicated directly where applicable.

11. Changes to the Service and Terms

Borrowdale reserves the right to modify, suspend, or discontinue any part of the Site or its services at any time without notice. We may also revise these Terms periodically. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

12. Termination

Borrowdale reserves the right to restrict or terminate your access to the Site at its discretion, without notice, for conduct that violates these Terms or is otherwise harmful to the Site, other users, or third parties.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Borrowdale operates, without regard to conflict-of-law principles. Specific jurisdictional details should be confirmed and inserted as part of a full legal review of this document.

14. 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.

15. Contact

Questions regarding these Terms and Conditions can be directed to Borrowdale through the contact details provided on our Contact page.