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Terms of Service

Last Updated: January 19, 2026

1. Acceptance of Terms

By accessing or using OtiumPath (“the Service”), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

2. Description of Service

OtiumPath is an educational financial planning tool that provides:

  • Retirement goal visualization
  • Portfolio growth projections
  • Investment allocation suggestions
  • AI-powered financial guidance

IMPORTANT: OtiumPath is NOT a registered investment advisor, broker-dealer, or financial planner. The Service provides educational information only—not personalized financial advice.

3. No Financial Advice Disclaimer

The information provided by OtiumPath:

  • Is for educational purposes only
  • Does not constitute investment, tax, legal, or financial advice
  • Should not be relied upon for making financial decisions
  • Does not create a fiduciary relationship

You should consult with qualified professionals before making any financial decisions.

4. Investment Risks

  • Past performance does not guarantee future results
  • All investments involve risk, including potential loss of principal
  • Projections and calculations are estimates based on assumptions that may not reflect actual outcomes
  • Market conditions, inflation, and personal circumstances can significantly impact results

5. User Responsibilities

You agree to:

  • Provide accurate information about your finances
  • Not rely solely on this Service for financial decisions
  • Consult qualified professionals for personalized advice
  • Keep your account credentials secure

6. Data Accuracy

While we strive for accuracy, we do not guarantee the accuracy, completeness, or timeliness of any information. ETF data, market information, and calculations may contain errors. You are responsible for verifying any information before acting on it.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ASYMMETRIA AI AND ITS AFFILIATES SHALL NOT BE LIABLE FOR:

  • Any investment losses or financial damages
  • Decisions made based on Service information
  • Indirect, incidental, special, or consequential damages
  • Any damages exceeding the amount paid for the Service

8. Changes to Service

We reserve the right to modify or discontinue the Service at any time, update these Terms with reasonable notice, and change features, functionality, or pricing.

9. Termination

We may terminate or suspend access to the Service for violations of these Terms, at our sole discretion with or without notice, or upon discontinuation of the Service.

10. Governing Law

These Terms shall be governed by the laws of the State of California, without regard to conflict of law principles.

11. Contact

For questions about these Terms, contact: asymmetria.ai@gmail.com

By using OtiumPath, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.