Terms of Underwriting & Platform Service

1. Agreement to Terms

By accessing or utilizing the EstiloFlow Vantage platform (estiloapp.com), users, venture capital firms, family offices, and startup applicants agree to be legally bound by these Terms of Service. If you are entering into these terms on behalf of an institutional partnership or corporate entity, you represent and warrant that you hold appropriate corporate authority.

2. Authorized Use & Account Governance

• Institutional Diligence Purposes: The service is provided exclusively for bona fide investment diligence, internal portfolio monitoring, and founder pre-diligence screening.
• Adversarial Probing & Reverse Engineering: Users may not decompile, reverse-engineer, attempt to extract source weights, or benchmark the platform for the purpose of constructing competing due diligence solvers or synthetic AI models.
• Account Confidentiality: Account holders are strictly responsible for maintaining credential security and all analytical actions executed under their session.

3. Intellectual Property Rights

All algorithms, deterministic Z3 SMT solver invariants, Startup Valuation Index (SVI v2) calculus, forensic radar schemas, and user interfaces are the exclusive proprietary property of EstiloFlow Holdings. Users retain 100% intellectual property ownership over all proprietary pitch decks, spreadsheets, and private financial ledgers uploaded for analysis.

4. Mathematical Integrity & Warranty Limitations

• Deterministic Reasoning: While EstiloFlow employs multi-stage Z3 theorem proving and econometric reconciliations to detect synthetic contradictions, audit outputs reflect the mathematical consistency of the underlying uploaded documents.
• As-Is Provision: The platform is delivered on an "as-is" and "as-available" basis without express or implied warranties of merchantability, fitness for a specific transaction, or complete factual discovery of non-disclosed external fraud.
• Fiduciary Responsibility: The final decision to issue term sheets, execute capital calls, wire syndication funds, or participate in private rounds rests solely with the accredited investment committee.

5. Limitation of Liability

To the fullest extent permitted by law, EstiloFlow Holdings, its directors, engineers, and affiliates shall not be liable for any indirect, consequential, punitive, or transaction-related damages, including portfolio investment losses, deal abort fees, or lost opportunity costs arising from platform utilization.

6. Governing Law & Jurisdiction

These terms are governed by the laws of England and Wales, without regard to choice of law principles. Any dispute arising out of or relating to these terms shall be submitted to the exclusive jurisdiction of the courts of London, United Kingdom.