Terms of Service

Last updated: [MONTH DAY, YEAR]

Before you publish this: this is a starting template, not a substitute for legal review. OwnIts touches investing, and terms for a financial product need a securities/fintech lawyer's sign‑off — particularly the arbitration, disclaimers, and eligibility sections below.

These Terms of Service ("Terms") govern your use of the OwnIts website and early access waitlist (the "Service"), operated by [COMPANY LEGAL NAME] ("OwnIts," "we," "us"). By using the Service, you agree to these Terms.

1. Early access / no live product yet

OwnIts is currently in early access. Joining the waitlist does not create an investment account, move any money, or guarantee access to the product. Features described on this site are illustrative of our intended product and may change before public launch.

2. Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) and a resident of [SUPPORTED COUNTRY/COUNTRIES] to join the waitlist.

3. Not investment, legal, or tax advice

Nothing on this site is investment, legal, or tax advice. Illustrations of potential returns (such as the "$4,327 after 10 years" example) are hypothetical, assume a fixed average annual return, and do not represent actual or guaranteed results. Investing involves risk, including possible loss of principal. Past performance does not guarantee future results.

4. When the product launches

[This section needs to be written in full once the live product ships, and should cover: which entity holds/executes trades (e.g., your broker-dealer partner), fee structure, how funds are invested, how withdrawals work, account termination, and SIPC coverage specifics. Do not launch the live investing product with a placeholder here.]

5. Your responsibilities

Provide accurate information when you sign up
Keep your account credentials secure (once accounts exist)
Use the Service only for lawful purposes

6. Intellectual property

The OwnIts name, logo, and site content are owned by [COMPANY LEGAL NAME] and may not be used without permission.

7. Disclaimers

The Service is provided "as is" without warranties of any kind. We do not guarantee the Service will be uninterrupted, secure, or error-free.

8. Limitation of liability

To the maximum extent permitted by law, OwnIts is not liable for indirect, incidental, or consequential damages arising from your use of the Service. [A fintech lawyer should tailor this and the arbitration/dispute-resolution section below to your actual entity structure and state.]

9. Dispute resolution

[Insert your governing law, arbitration clause, and class-action waiver language here, reviewed by counsel — this varies significantly by state and should not be copied from a generic template.]

10. Changes to these Terms

We may update these Terms from time to time. Continued use of the Service after changes means you accept the updated Terms.

11. Contact us

Questions about these Terms? Email us at [CONTACT EMAIL].