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    Terms of Service

    Effective Date: November 27, 2025

    Welcome to InsightXO. By accessing or using our website (https://insightxo.com), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree with any part of these terms, please do not use our website.

    1. Educational Purpose (No Financial Advice)

    The content provided on InsightXO, including articles, calculators, simulations, and data analysis, is for educational and informational purposes only. It does not constitute professional financial advice, investment advice, or trading recommendations.

    We are not financial advisors. You should consult with a certified financial planner or tax professional before making any investment decisions. InsightXO is not responsible for any financial losses resulting from the use of our information or tools.

    2. Accuracy of Information

    While we strive to provide accurate and up-to-date information, InsightXO makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information or related graphics contained on the website. Any reliance you place on such information is strictly at your own risk.

    3. Intellectual Property

    The content, layout, design, data, databases, and graphics on this website are protected by intellectual property laws and are owned by InsightXO, unless otherwise stated. You may not reproduce, distribute, or exploit any content without our prior written permission.

    4. Third-Party Links

    Our website may contain links to third-party websites or services that are not owned or controlled by InsightXO. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that InsightXO shall not be responsible or liable, directly or indirectly, for any damage or loss caused by or in connection with the use of any such content, goods, or services available on or through any such websites.

    5. Limitation of Liability

    In no event shall InsightXO, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the Service.

    6. Changes to Terms

    We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

    7. Contact Us

    If you have any questions about these Terms, please contact us at: [email protected]