Terms of Service

Opteraprovides an opportunity-intelligence platform: you submit a URL, name, document, or other artefact describing a business opportunity, course, MLM, job, investment, or related proposition, and our analysis engine returns an OIS™ (Opportunity Intelligence Score) report. We also operate a marketplace where vetted guides, templates, and tools are sold to members; a community where verified members share first-hand reviews; and a free-tier offering for casual use.

You must provide a valid email address and accurate profile information. You are responsible for keeping your credentials secure. We may suspend or terminate accounts that violate these Terms, the community guidelines, or applicable law.

You may delete your account at any time from Settings. Deletion removes your account, profile, and analysis history; we retain what we are required to retain for tax, accounting, and anti-fraud purposes.

You agree not to:

• Submit content you do not have the right to submit (stolen trade secrets, copyrighted documents you are not authorised to upload, etc.).
• Use the Service to harass, impersonate, defame, or stalk any individual or organisation.
• Scrape, copy, or resell reports generated by the analysis engine, unless you have a written licence from us.
• Attempt to bypass rate limits, abuse referral programmes, or interfere with the Service’s normal operation.
• Submit content intended to manipulate the analysis engine toward a favourable OIS score for a program you operate or are affiliated with.

Paid memberships (Premium, Community) and marketplace purchases are billed through Stripe. Subscription renewals are charged automatically until cancelled. You can cancel at any time from your billing settings; your access continues until the end of the current billing period.

Marketplace products are digital, downloadable, and delivered immediately. We offer a 14-day money-back guarantee on all marketplace purchases — see the FAQ on the marketplace product page for details.

You retain ownership of the content you submit. By using the Service you grant us a limited, non-exclusive licence to process that content for the purpose of generating the reports you requested (including calling our AI providers) and to store it so you can return to it.

Reports, scores, dimensions, the OIS™ framework, the Optera brand, and the software underlying the Service are owned by us or our licensors and are protected by intellectual-property law. Nothing in these Terms transfers ownership to you.

The Service provides informational analysis to help you evaluate opportunities. OIS™ scores, recommendations, red-flag detection, and the AI Decision Coach responses are not investment advice, legal advice, professional counselling, or a guarantee of outcomes. You are responsible for your own decisions. See our Income Disclosure for important information about what OIS™ scores can and cannot tell you about earnings potential.

We may suspend or terminate your access at any time for conduct that violates these Terms, poses a security risk, or is otherwise harmful to other users or to us. Where practical, we will give advance notice and an opportunity to address the issue.

The Service is provided “as is” and “as available” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the analysis will be accurate, complete, or error-free.

To the maximum extent permitted by law, our aggregate liability arising out of or related to your use of the Service will not exceed the greater of (a) the amounts you paid us in the twelve months preceding the event giving rise to the claim or (b) USD $100. We will not be liable for indirect, incidental, special, consequential, or punitive damages.

We may update these Terms as the Service evolves. When we make a material change, we will post the updated Terms here with a revised “Last updated” date and, where appropriate, notify active accounts by email. Continued use of the Service after the effective date constitutes acceptance.

Questions about these Terms? Email optera-2@polsia.app.

These Terms are placeholder copy pending formal legal review. They are designed to be informative rather than to constitute formal legal advice.