Terms of Service

Last Updated: January 3, 2024

Terms of Service

Welcome to ProjectionLab

Before using the services of ProjectionLab LLC (“Company”, “we”, “us”, or “our”), please read and agree to these Terms of Service (“Terms”). By accessing or using the services of ProjectionLab, accessible at https://projectionlab.com, you agree to be bound by these Terms, forming a legal agreement. If you disagree with any part of these Terms, please refrain from using our services.

Please also review our Privacy Policy and Cookies Policy to understand how we collect, use, and share information.

1. Definitions

  • Service: The ProjectionLab website and its offerings.
  • Account: A unique account created for you to access our Service or parts of it.
  • Subscription: The services or access to the Service offered on a subscription basis by us to you.
  • Free Trial: A limited period that may be free when purchasing a Subscription.
  • Content: All information, data, text, photographs, videos, audio clips, written posts, and other materials generated, provided, or otherwise made accessible on or through the Service.
  • Company: Refers to ProjectionLab LLC, located at 1 Washington Mall #1296 Boston Massachusetts 02108, United States.

Note: These Terms apply to all users, including both visitors and registered users of the Service.

2. Account and Subscription Terms

  • Account Creation: Provide accurate, complete, and current information. Safeguard your login credentials.
  • Subscription Details: Subscriptions are billed in advance and automatically renew unless canceled.
  • Free Trial Terms: Free trials are provided at our discretion and billing commences post-trial unless canceled.
  • Lifetime Subscription: Offers access for the duration of the Service’s operational lifetime.
  • Cancellation Policy: Subscriptions can be canceled any time via account settings.
  • Refunds: While refunds are not guaranteed, we handle refund requests on a case-by-case basis. Your satisfaction is important to us, so please contact support@projectionlab.com for any refund inquiries.

3. Intellectual Property Rights

  • User Content: You retain ownership of your content but must adhere to legal and ethical standards.
  • Company Rights: ProjectionLab LLC retains all rights to the Service’s original content. Unauthorized use is prohibited.

4. Responsible Use of the Service

  • Acceptable Use: You agree to use the Service in a lawful, ethical, and responsible manner, and comply with all applicable laws and regulations.

  • Account Security: You are responsible for the security of your account and must report any unauthorized access promptly.

  • User Responsibilities: You are responsible for maintaining the confidentiality of your account information, ensuring the accuracy of the information you provide or enter into the Service, and for all activities that occur under your account. You agree to immediately notify us of any unauthorized use of your account or any other breach of security.

  • Prohibited Conduct: In using the Service, you agree not to:

    • Engage in any activities that are illegal, fraudulent, or deceptive.
    • Transmit or upload harmful code or software, such as viruses, trojans, or worms.
    • Harass, threaten, or harm any individual or entity, including other users.
    • Post or transmit content that is abusive, defamatory, obscene, infringing, or otherwise objectionable.
    • Attempt unauthorized access to other users’ accounts or to the Service’s backend systems.
    • Use automated means, including bots, scrapers, or spiders, to access or gather data from the Service, without prior permission.
    • Copy, modify, distribute, sell, or lease any part of the Service, or include it in your own service or product.
    • Overburden or impair the functioning of the Service or our servers.
    • Use the Service for any form of spamming or unsolicited communications.
  • In addition to the behaviors listed above, you agree not to:

    • Misrepresent your identity or affiliation with any person or organization.
    • Engage in any activity that interferes with or disrupts the Service or the servers and networks connected to the Service.
    • Republish, sell, rent or sub-license material from the Service.
    • Use the Service in any way that is, or may be, damaging to the Service or to any person or business entity.
    • Engage in data mining, data harvesting, data extracting, or any other similar activity in relation to the Service, or while using the Service.
    • Use the Service to engage in any advertising or marketing without our express written consent.

5. Disclaimers and Limitations of Liability

  • Service “As Is”: The Service is provided without any warranties, express, implied, statutory or otherwise, including all implied warranties of merchantability, fitness for a particular purpose, accuracy, title, and non-infringement.
  • Limitation of Liability: In no event will the Company be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Service. Notwithstanding any damages that you might incur, the total liability of the Company under any provision of these Terms and your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by you through the Service, with a maximum liability cap of 100 USD for users who have not made any purchases through the Service.
  • Disclaimer of Warranties: The Service is provided without any warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.
  • Service Availability: While we strive to ensure the Service is always accessible, we do not guarantee uninterrupted or error-free access and will not be liable for any inability to access the Service.
  • Service Interruptions: You acknowledge that the Service may be temporarily unavailable due to maintenance, updates, or other factors beyond our control. We are not liable for any interruption in service and do not guarantee that the Service will be available at all times without interruption.
  • Changes to Service: The Company reserves the right to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. Significant changes will be communicated to users through email or notification on the website.
  • Third-Party Services: ProjectionLab is not responsible for the content, policies, or activities of third-party services linked or integrated with our Service. Use of third-party services is at your own risk and governed by their terms and policies.

6. No Financial Advice Provided

  • Educational and Informational Purposes Only: The content and tools provided through ProjectionLab are for educational and informational purposes only and are not intended as, nor should they be understood or construed as, financial, tax, or legal advice.
  • Consult Professionals: We strongly recommend consulting with financial services professionals who have a fiduciary relationship with you before making any financial or investment decisions.
  • Limitation on Use of Information: The content and tools provided through ProjectionLab, including any calculators and projections, are for initial planning and informational purposes only. They are not intended to provide a comprehensive financial plan. We strongly recommend consulting with financial services professionals for a complete financial plan and personalized advice.

7. Age Restriction

You affirm that you are over the age of 18, as the Service is not intended for children under 18.

8. Indemnification

You agree to indemnify, defend, and hold harmless ProjectionLab LLC and its affiliates, officers, agents, and employees from and against any and all claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees and costs, arising out of or in any way connected with (i) your access to or use of the Service; (ii) your breach of these Terms; (iii) your violation of any third-party right, including without limitation any intellectual property right, publicity, confidentiality, property, or privacy right; (iv) any claim that your content caused damage to a third party. This indemnification obligation will survive the termination or expiration of these Terms and your use of the Service. We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims.

9. Data Protection Commitment

We retain data only as necessary for providing our services and as required by law. Data may be transferred across state or national borders for processing, in compliance with applicable laws.

We are committed to continuously improving our practices to enhance user privacy and data security.

Users are encouraged to review our Privacy Policy to understand how we handle and protect their personal data.

10. User Feedback

Any feedback or suggestions submitted to ProjectionLab become the property of the Company, and we reserve the right to use this feedback without any obligation to the user.

If you post content on community forums or other public areas of the Service, you are solely responsible for the content of these postings. ProjectionLab is not responsible for the consequences of any communications or content in these public areas.

In addition to being solely responsible for the content of these postings, you grant ProjectionLab a nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such content throughout the world in any media.

11. Accessibility and Inclusivity

ProjectionLab is dedicated to providing an accessible and inclusive experience for all users, including those with disabilities. Efforts are made to continuously improve the accessibility of our Service in line with current standards and guidelines.

12. Termination of Services

  • Termination by Company: We reserve the right to terminate or suspend your access to the Service for reasons including, but not limited to, violation of these Terms, illegal activities, or non-compliance with our policies, without prior notice.
  • Termination by User: You may terminate your use of the Service at any time via your account settings or by contacting us at support@projectionlab.com.

13. Force Majeure

  • Non-Liability for Unforeseen Events: The Company shall not be liable for any failure to perform its obligations where such failure results from any cause beyond the Company’s reasonable control, including, but not limited to, natural disasters, acts of government, or technological failures.

14. Changes to These Terms

  • Amendments: We may update these Terms periodically. Significant changes to the Terms will be communicated to users through email or notification on the website. Your continued use of the Service after such notifications signifies acceptance of the new Terms.
  • Amendments for Legal Compliance: We reserve the right to modify these Terms to comply with any applicable laws and regulations, or to enhance user protections or service functionality. Any such changes will be communicated as outlined in this section.

15. Severability

If any part of these Terms is determined to be invalid or unenforceable pursuant to applicable law, the remainder of the Terms shall continue in effect.

These Terms and Conditions may have been translated if We have made them available to You on our Service. You agree that the original English text shall prevail in the case of a dispute.

16. Entire Agreement

These Terms constitute the entire agreement between you and ProjectionLab LLC and govern your use of the Service, superseding any prior agreements between you and the Company.

17. Legal and Governing Law

  • Governing Law: These Terms are governed by the laws of Massachusetts, USA.
  • Dispute Resolution: Our aim is to resolve disputes amicably. Legal proceedings, if necessary, should occur in Massachusetts.
  • Dispute Resolution Process: In the event of a dispute, users are encouraged to contact us first to seek a resolution. If the dispute cannot be resolved internally, legal proceedings may follow in Massachusetts.
  • United States Legal Compliance: You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a ‘terrorist supporting’ country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.

18. Contact Information

For Assistance: If you have any questions, concerns, or require support, please reach out to us at support@projectionlab.com.

For immediate assistance or FAQs, visit our Help Center.

Thank you for choosing ProjectionLab!

Disclaimer: The content, tools, and resources on ProjectionLab.com are intended solely for informational and educational purposes and should not be construed as professional financial or investment advice. Our materials are designed to provide general guidance and are based on the input and data provided by users. ProjectionLab makes no guarantee of the accuracy, completeness, or applicability of this content to individual circumstances. Effective financial planning and investment involve comprehensive consideration of a wide array of personal financial factors. The tools and resources available on ProjectionLab are aimed at helping users develop an understanding of their financial trajectory. However, they should not be solely relied upon for creating a complete financial plan. We strongly recommend consulting a financial services professional who can provide personalized advice based on your unique financial situation before making any significant financial decisions. While we endeavor to keep the information on ProjectionLab current and accurate, the content may differ from that found on other financial institutions, service providers, or specific product sites. All content and tools on ProjectionLab are provided without any guarantees or warranties of any kind.