Terms of Use

1. Introduction

Welcome to Life Strategy Lab ("Life Strategy Lab," "we," "our," or "us"). These Terms of Use ("Terms") apply to your use of this website and its financial diagnostic tools, including Life Stability Score, Emergency Exposure Analyzer, and Lifestyle Inflation Index (collectively, the "Service").

2. Acceptance of Terms

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, you should discontinue use of the Service.

3. Nature of Service (Educational Diagnostic Only)

Life Strategy Lab provides deterministic financial diagnostics for educational self-review. Outputs are heuristic indicators generated from structured scoring logic, weights, thresholds, and assumptions based on user inputs. The Service is informational and does not provide predictions or guarantees.

4. No Financial Advice

Life Strategy Lab does not provide financial, investment, tax, legal, accounting, or other professional advice. Use of the Service does not create any advisor-client, fiduciary, or professional relationship. You should consult qualified professionals before making decisions with legal or financial consequences.

Nothing on this website constitutes a recommendation to purchase, sell, or modify any financial product, insurance policy, loan, or investment instrument.

5. Accuracy and Assumptions

Results depend on the quality and completeness of the inputs you provide. Benchmarks and assumptions may not reflect all real-world conditions and may become outdated over time. We do not represent that outputs are complete, current, or suitable for every user profile or jurisdiction.

6. No Warranties

The Service is provided on an "as is" and "as available" basis. To the extent permitted by law, we disclaim all warranties, express or implied, including warranties of accuracy, reliability, availability, merchantability, fitness for a particular purpose, and non-infringement.

7. Limitation of Liability

To the maximum extent permitted by applicable law, Life Strategy Lab and its owners, contributors, and affiliates will not be liable for direct, indirect, incidental, consequential, special, or punitive damages arising from or related to your use of, reliance on, or inability to use the Service. This includes loss of savings, income, opportunities, or data. If liability cannot be excluded, total liability is limited to amounts paid by you, if any, to use the Service during the preceding 12 months.

In all cases, the aggregate liability of Life Strategy Lab and its owners, contributors, and affiliates will not exceed INR 1,000.

8. User Responsibilities

You are responsible for your decisions and for how you interpret and apply any diagnostic output.

• Provide accurate inputs to the best of your knowledge.
• Use results as educational guidance, not as a sole decision basis.
• Independently verify assumptions before taking material actions.
• Comply with applicable laws and regulations.

You agree not to misuse the Service, interfere with operations, or attempt unauthorized access.

9. Intellectual Property

All content and materials in the Service, including software code, scoring logic, model structures, designs, branding, text, graphics, and documentation, are owned by or licensed to Life Strategy Lab and protected by applicable intellectual property laws. No rights are granted except limited personal, non-commercial use of the Service.

10. Third-Party Links, Ads, and Affiliate Disclosure

The Service may include third-party links, advertising placements (including Google AdSense), and affiliate links. We may receive revenue or commissions from qualifying interactions. Third-party websites, products, and services are governed by their own terms and policies, and we are not responsible for their content, claims, or practices.

Advertising or affiliate relationships do not influence diagnostic scoring logic or prioritization.

11. Privacy and Data Handling

Life Strategy Lab is designed as a static website with no user accounts and no login requirement. We do not store financial inputs as user profiles in application storage. If third-party analytics, advertising, or infrastructure tools are enabled, those providers may process technical usage data under their own policies.

12. Service Modifications

We may add, modify, suspend, or discontinue any part of the Service, including formulas, thresholds, benchmarks, features, or presentation, at any time and without notice.

We may revise formulas, benchmarks, weights, or guardrails at any time without prior notice.

13. Governing Law and Jurisdiction (India)

These Terms are governed by the laws of India. Subject to applicable law, courts in India will have jurisdiction over disputes arising out of or relating to these Terms or your use of the Service.

14. Contact Information

For Terms-related questions, contact: [email protected]

15. Updates to Terms

We may revise these Terms from time to time. Updated versions will be posted on this page with a revised "Last Updated" date. Continued use of the Service after publication of updates constitutes your acceptance of the revised Terms.