Terms of Service

1. Agreement and provider

These Terms of Service (“Terms”) are an agreement between you and Dizon Strategies Inc. (“Dizon Strategies,” “we,” “us,” or “our”). They govern your access to and use of dizonstrategies.com and the websites, applications, software, content, and other online products or services that we offer and that link to these Terms (collectively, the “Services”).

By accessing or using a Service, creating an account, or purchasing a Service, you agree to these Terms. If you do not agree, do not use the Services.

2. Product-specific terms and commissioned work

A Service may have supplemental terms, an order form, a refund or cancellation policy, usage rules, or other terms presented within that Service or at purchase (“Product Terms”). Product Terms supplement these Terms. If they conflict, the Product Terms control for that Service or transaction.

Commissioned development, consulting, licensing, enterprise services, and similar work may be governed by a separately signed agreement. That agreement controls the work it covers. These Terms do not replace a separately signed agreement.

3. Eligibility and organizational use

You must be at least 18 years old, or the age of legal majority where you live, and able to enter into a binding agreement. A Service may permit younger users through a school, parent, guardian, or other authorized organization under Product Terms that apply to that use.

If you use a Service for an organization, you represent that you have authority to bind that organization. In that case, “you” includes the organization. An organization may control accounts or workspaces it provides and may access or administer information associated with them as described in the applicable Product Terms and our Privacy Policy.

4. Accounts and security

You must provide accurate information, keep it current, safeguard your credentials, and promptly notify us of suspected unauthorized access. You are responsible for activity under your account except to the extent caused by our breach of these Terms or applicable law. We may require verification before restoring access or acting on an account request.

5. License and acceptable use

Subject to these Terms and any Product Terms, we grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Services for their intended purposes during the period in which you are authorized to use them.

You may not:

• use a Service unlawfully, fraudulently, or to violate another person’s rights;
• share credentials outside an authorized account or workspace, resell access, or circumvent payment, usage, or access controls;
• interfere with a Service or probe, scan, or test its systems without written authorization;
• introduce malware or use a Service to send spam, harass others, or distribute harmful or deceptive material;
• scrape, crawl, harvest, or extract data at scale except as expressly allowed in writing;
• reverse engineer or attempt to discover non-public source code, models, or underlying components except where applicable law prohibits this restriction; or
• use a Service or its output to build or train a competing product or model except as expressly permitted in writing.

6. Your content

You retain ownership of content you submit, upload, create, or store through a Service (“Your Content”). You grant us a limited, worldwide license to host, reproduce, process, transmit, display, and otherwise use Your Content only as reasonably necessary to provide, secure, maintain, and support the Services; comply with law; and enforce these Terms. This license ends when Your Content is deleted from active systems, subject to reasonable backup, legal, security, and recordkeeping periods.

You represent that you have the rights and authority necessary to provide Your Content and allow us to process it. You are responsible for Your Content and for complying with confidentiality, privacy, professional-responsibility, intellectual-property, contractual, and other obligations that apply to it.

7. Research, AI, and generated output

Some Services provide research tools, summaries, translations, recommendations, classifications, or other output generated or assisted by automated systems. Output may be incomplete, inaccurate, outdated, or unsuitable for your circumstances. You are responsible for reviewing appropriate primary sources and applying independent judgment before relying on output.

Unless Product Terms expressly say otherwise, the Services and their output are provided for informational and workflow purposes and are not legal, financial, medical, or other professional advice. Use of a Service does not create an attorney-client, fiduciary, or other professional relationship with Dizon Strategies.

8. Third-party services and content

A Service may interoperate with or link to third-party platforms, payment processors, data sources, models, websites, or content. Their terms and privacy practices apply to your direct use of their services. We are not responsible for third-party services or content that we do not control, although we remain responsible for our own obligations when a provider processes information on our behalf.

9. Paid Services, subscriptions, and taxes

Prices, billing intervals, included features, usage limits, and applicable taxes are disclosed at purchase. You authorize us and our payment processor to charge the payment method you provide for the amounts disclosed at checkout.

If you purchase an automatically renewing subscription, it will renew at the interval and price disclosed at checkout until canceled. You may cancel through the account or billing portal provided by the Service or by following the method stated in the applicable Product Terms. Cancellation stops future renewal and ordinarily takes effect at the end of the current paid period. We will provide renewal or price-change notices when required by law.

Charges are non-refundable except as stated in the applicable Product Terms, refund policy, purchase flow, or as required by law. You are responsible for applicable taxes other than taxes on our net income. Failure to pay may result in suspension or termination of paid access.

10. Our intellectual property

The Services—including their software, design, organization, branding, and original content—are owned by Dizon Strategies or its licensors and protected by intellectual-property laws. Except for the limited right to use the Services granted above, these Terms do not transfer any rights in the Services to you. Public records, government materials, and third-party content remain subject to their applicable legal status and licenses.

If you provide feedback or suggestions, you authorize us to use them without restriction or compensation, but you are not required to provide feedback.

11. Service changes and availability

We may maintain, modify, add, remove, suspend, or discontinue features. We do not guarantee that every Service or feature will always be available or error-free. For a material change to a paid Service, we will use reasonable efforts to provide notice. If we discontinue a prepaid Service before the end of its term without providing a substantially similar service, the applicable Product Terms or law will govern any refund or credit.

12. Suspension and termination

You may stop using a Service at any time and may close an account using the available account controls or by contacting us. Subscription cancellation is governed by Section 9 and the applicable Product Terms.

We may suspend or terminate access for material breach, nonpayment, unlawful conduct, security risk, harm to other users or the Services, or misuse. Where practical, we will provide notice and an opportunity to cure. On termination, your right to use the affected Service ends. Provisions that by their nature should survive—including payment obligations, ownership, disclaimers, liability limits, dispute terms, and this sentence—will survive.

13. Disclaimers

To the fullest extent permitted by law, the Services are provided “as is” and “as available.” Dizon Strategies and its suppliers disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, noninfringement, accuracy, and uninterrupted or error-free operation. We do not warrant that content or output will be complete, current, or suitable for any particular decision.

Some jurisdictions do not allow certain warranty exclusions. In those jurisdictions, the exclusions apply only to the extent permitted by law, and non-waivable rights remain unaffected.

14. Limitation of liability

To the fullest extent permitted by law, Dizon Strategies and its directors, officers, employees, contractors, and suppliers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages; lost profits, revenue, goodwill, or data; business interruption; missed deadlines; or decisions made in reliance on a Service, even if advised that such damages are possible.

To the fullest extent permitted by law, our aggregate liability arising out of or relating to the Services or these Terms will not exceed the greater of (a) $100 or (b) the amount you paid us for the affected Service during the twelve months before the event giving rise to the claim. These limitations do not apply to liability that cannot lawfully be limited.

15. Indemnity for organizational use

If you use a Service on behalf of a business or organization, then, to the extent permitted by law, that organization will defend and indemnify Dizon Strategies and its directors, officers, employees, and contractors against third-party claims, damages, and reasonable costs arising from Your Content, the organization’s unlawful or unauthorized use of a Service, or its material breach of these Terms. This obligation does not apply to the extent a claim results from our own breach, negligence, or willful misconduct.

16. Governing law and disputes

New York law governs these Terms, without regard to conflict-of-law rules. Any dispute that is not subject to a separately signed agreement will be brought exclusively in the state or federal courts located in New York County, New York, and each party consents to their jurisdiction and venue.

If you are a consumer, this section does not deprive you of protections or a forum that cannot be waived under the law where you live. Before filing a claim, the parties will attempt in good faith to resolve the dispute informally for 30 days after written notice, except where immediate relief is reasonably necessary.

17. General terms

You may not assign these Terms without our written consent. We may assign them in connection with a merger, reorganization, sale of assets, or by operation of law. If any provision is unenforceable, it will be modified only as much as necessary and the remaining provisions will remain in effect. A failure to enforce a provision is not a waiver.

These Terms, the applicable Product Terms, and any separately signed agreement constitute the entire agreement for their respective subject matter. Headings are for convenience only. Neither party is liable for delay or failure caused by events beyond its reasonable control, except for payment obligations.

18. Changes to these Terms

We may update these Terms as our Services or legal obligations change. We will post the revised Terms at this URL and update the effective date above. If a material change affects an existing paid Service, we will provide reasonable notice when required. Continued use after the revised Terms take effect constitutes acceptance, except where law requires a different form of consent.

19. Contact

Questions about these Terms may be sent to Dizon Strategies Inc. at karlo@dizonstrategies.com.