Terms of Service

Please read these Terms of Service carefully before using AbacusWise. By accessing or using our website, you agree to be bound by these terms.

Effective Date: December 16, 2025

1. Acceptance of Terms

By accessing or using AbacusWise, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any part of these terms, you must not use this website.

2. Changes to Terms

AbacusWise reserves the right to update or modify these Terms at any time without prior notice. Changes will be effective immediately upon posting on this page. Your continued use of the site after changes constitutes acceptance of the new terms. We recommend reviewing these terms periodically.

3. Acceptable Use of the Site

You agree to use this website only for lawful purposes and in accordance with these Terms. Specifically, you agree NOT to:

• Use the site in any way that violates any applicable federal, state, local, or international law or regulation
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the site, or which may harm AbacusWise or users
• Use the site to transmit or procure any harmful code, malware, viruses, or disruptive technologies

4. Intellectual Property Rights

All content, trademarks, logos, service marks, and data on this site, including but not limited to text, images, graphics, software, and design elements, are the property of AbacusWise or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

5. User-Generated Content

By submitting any content to the site (including reviews, comments, or feedback), you grant AbacusWise a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, distribute, and display such content throughout the world in any media.

6. Third-Party Links and Services

This site may contain links to third-party websites, including credit card issuer sites. AbacusWise is not responsible for the content, privacy policies, or practices of these external sites. We encourage you to review the terms and policies of any third-party sites you visit.

7. Disclaimer of Warranties

THE SITE AND ALL INFORMATION, CONTENT, MATERIALS, AND SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS SITE ARE PROVIDED BY ABACUSWISE ON AN 'AS IS' AND 'AS AVAILABLE' BASIS, UNLESS OTHERWISE SPECIFIED IN WRITING. ABACUSWISE MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE OR THE INFORMATION, CONTENT, MATERIALS, OR SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS SITE.

The information provided on AbacusWise is for informational and educational purposes only. It does not constitute financial, legal, or tax advice. Users should consult with a qualified professional before making any financial decisions based on the information provided on this site.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, ABACUSWISE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM: (A) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SITE; (B) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SITE; OR (C) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT.

9. Indemnification

You agree to indemnify, defend, and hold harmless AbacusWise and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including without limitation reasonable attorney's fees and costs, arising out of or in any way connected with your access to or use of the site, your violation of these Terms, or your violation of any third-party rights.

10. Termination

AbacusWise reserves the right, in its sole discretion, to terminate or suspend your access to all or part of the site at any time, with or without notice, for any reason, including without limitation, breach of these Terms. Upon termination, your right to use the site will immediately cease.

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located within the United States for the resolution of any disputes.

12. Changes and Notifications

We reserve the right to modify or discontinue the site (or any part thereof) at any time with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the site.

13. Contact Information

If you have any questions about these Terms of Service, please contact us at: abacuswise@gmail.com