Welcome

Welcome to MatrixOwl. These Terms explain your rights and responsibilities when using our software, reports, consulting, and support services. We've written them in plain language while still covering important legal points. Please read them carefully.

1. Agreement

These Terms of Service ("Terms") are a binding agreement between you and MatrixOwl, LLC ("MatrixOwl"). They apply to all Services we provide, including:

• BeGo Reports,
• Funding Readiness Reports,
• Funding Readiness Audits, and
• any related consulting or user support.

Our Privacy Policy is part of these Terms. By using the Services, you agree to both.

2. Acceptance

You accept these Terms in either of two ways:

• by clicking "Accept" or "Agree" when prompted, or
• by using the Services.

If you do not agree, you may not use the Services.

3. Updates to Terms

We may update these Terms from time to time. We will post changes on our website or notify you directly. If you continue to use the Services after updates, you accept the new Terms. If you disagree with the changes, you should stop using the Services.

4. Right to Use

So long as you comply with these Terms and pay all fees, MatrixOwl grants you a limited, non-exclusive, non-transferable right to access and use the Services during your subscription term.

• Your use is limited to your internal business purposes.
• This right cannot be transferred to another person or company.

5. No Investment Advice

MatrixOwl is not a broker, dealer, or investment advisor. Nothing in our Services—whether written, oral, or digital—should be treated as financial or investment advice. Our reports and tools are for information only.

6. Data Security

We use security measures such as encryption, access controls, and monitoring to protect your information.

• While we work hard to safeguard data, no system is 100% secure.
• You share information with us at your own risk.

7. Intellectual Property

MatrixOwl owns or licenses all rights in the Services and their content.

• This includes software, reports, text, graphics, designs, trademarks, and logos.
• Using the Services does not give you ownership of any intellectual property.
• You only receive the limited right to use the Services described here.

8. Accounts

• Each account is for one individual.
• You must use your own email address.
• Keep your password secure. You are responsible for everything done through your account.
• If you believe your account has been compromised, contact us at info@matrixowl.com immediately.
• Accounts cannot be shared or used to mass-generate reports for multiple startups, unless you hold a program account for an incubator or accelerator.

9. Usage Restrictions

You agree not to:

• sell, lease, or resell access to the Services,
• copy, reverse engineer, or create derivative works of the Services (unless the law requires otherwise),
• use the Services to violate another person's rights,
• use the Services for competitive analysis or benchmarking.

10. Fees and Payment

• You agree to pay all fees as listed in your order, in U.S. dollars.
• Accepted payment methods include credit or debit card and any other option we make available.
• Fees may change at the end of your current subscription term.
• If you do not agree with the new fees, you may cancel before the next term begins.

11. Warranties and Disclaimers

To the fullest extent permitted by law:

• The Services are provided "as is" and "as available."
• We do not guarantee they will be error-free, uninterrupted, or meet your specific needs.
• All third-party materials are provided "as is."

12. Your Responsibility (Indemnification)

If your use of the Services causes claims, losses, or costs for MatrixOwl (including reasonable attorney fees), you agree to cover those costs.

13. Events Beyond Our Control (Force Majeure)

MatrixOwl is not responsible for delays or failures caused by events outside our reasonable control, including but not limited to:

• natural disasters, extreme weather, or pandemics,
• wars, terrorism, or government actions,
• labor disputes (except our own),
• power outages, system failures, or internet disruptions.

14. Governing Law and Venue

These Terms are governed by the laws of the State of Colorado and the United States of America, without regard to conflict of law principles.

15. Arbitration Agreement

Most issues can be resolved informally by contacting us at info@matrixowl.com. If we cannot resolve a dispute, you and MatrixOwl agree to resolve it through binding arbitration rather than in court.

• Scope: This agreement covers any legal claims related to these Terms or the Services, except for small claims that can be brought in a Colorado small claims court.
• Process: Arbitration will be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.
• Location: Unless we both agree otherwise, arbitration will take place in Denver, Colorado.
• Costs: Each side pays its own legal fees. Arbitration costs will follow AAA rules, but we will cover any fees required by law to make the process fair.
• No Jury or Class Actions: By agreeing to arbitration, you waive the right to a jury trial or to participate in a class action.

16. Consumer Rights

Nothing in these Terms limits your rights under Colorado law or federal law. For example:

• Colorado law gives consumers certain cancellation and refund rights.
• Federal and state law protect you against unfair trade practices and provide privacy rights.
• These Terms do not override those protections.

17. Entire Agreement

These Terms, together with our Privacy Policy, are the entire agreement between you and MatrixOwl regarding the Services.