Legal

Terms of Service

Last updated: 2026-10-14

1. About Obvious Later

Obvious Later is operated by 106 Enterprises Ltda, CNPJ 49.059.143/0001-68, R. Bernardo Guimarães 2717, sala 703, Belo Horizonte, MG, 30140-085, Brazil (the "Operator", "we", "us", or "our"). Obvious Later is an interactive research, forecasting, and personal foresight software platform. By using the platform you agree to these Terms.

Obvious Later is not a prediction market, betting service, gambling service, investment product, investment-advice service, trading-signals service, or odds-making service. No wagering, entry fees, payouts, monetary rewards, or material prizes are offered based on the outcome of any question.

2. Who can use Obvious Later

You must be at least 18 years old to create an account or buy a membership. If we learn that an account belongs to someone under 18, we will close it and delete its data.

3. Informational only, not advice

Obvious Later provides informational forecasting tools and editorial research. Forecasts are uncertain, may be incorrect, and do not constitute investment, financial, legal, tax, medical, or other professional advice. You are responsible for your own decisions and should consult a qualified professional for advice specific to your situation. Obvious Later does not offer personalized recommendations to buy, sell, or hold any asset, and does not publish stock-price, crypto-price, or sports-betting content.

4. Acceptable use

You must not misuse the service, including: unlawful use, fraud or spam, intellectual-property infringement, or interference with the security or integrity of the platform (malware, probing, scraping, credential stuffing). You are responsible for keeping your account credentials confidential and for activity under your account.

5. Intellectual property

Obvious Later, including all software, text, editorial content, branding, and design, is owned by the Operator and its licensors. We grant you a limited, non-exclusive, non-transferable right to use the service in accordance with your plan. No reverse engineering, resale, or redistribution.

6. Service level

The service is provided "as is". We do not guarantee uninterrupted or error-free performance, and we disclaim implied warranties to the extent the law allows. This does not remove any right or warranty that consumers have under mandatory law, including the Brazilian Consumer Defense Code (Código de Defesa do Consumidor).

7. Payments and subscriptions

Paid subscriptions are not sold during the closed beta. When paid membership opens, our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns. For payment, billing, tax, cancellation, and refund mechanics, see the Paddle Buyer Terms and our Refund Policy.

Prices are in US dollars (USD). Taxes may be added at checkout, depending on where you live.

Memberships renew automatically at the end of each billing period at the price shown at purchase, until you cancel. You can cancel at any time in Billing or at paddle.net. Cancelling stops the next renewal, and you keep access until the end of the period you paid for.

If we change the price of your membership, we will tell you by email at least 30 days before the new price applies, and you can cancel before it does.

8. Suspension and termination

We may suspend or terminate access for material breach, non-payment, security or fraud risk, or repeated or serious policy violations. On termination, your right to use the service ends immediately. You may request account deletion at any time from account deletion.

9. Liability

If you use Obvious Later for business purposes, our total liability is limited to the fees you paid in the 12 months before the claim, and we are not liable for indirect or consequential damages such as lost profits, data, or goodwill. If you are a consumer, we are liable as required by the consumer law that applies to you, including the Brazilian Consumer Defense Code, and nothing in these Terms limits that.

Nothing in these Terms excludes or limits any right or remedy that cannot be excluded or limited under applicable law, including mandatory consumer-protection rights.

10. Governing law and venue

These Terms are governed by the laws of Brazil. Disputes go to the courts of Belo Horizonte, Minas Gerais, Brazil. If you are a consumer, you keep any mandatory right to bring a claim in the courts of your home and any mandatory protection of the law where you live.

11. Changes to these Terms

We may update these Terms. If a change is significant, we will email you or show a notice on the site at least 15 days before it takes effect. If you do not agree, you can stop using the service and cancel your membership before the change applies.

12. Contact

Questions about these Terms: in-product support form · obviouslater.hq@gmail.com.