Legal

Terms of Service

Provisional closed-beta version.

1. About Obvious Later

Obvious Later is an interactive research, forecasting, and personal foresight software platform. Obvious Later is a service operated by 106 Enterprises (the "Operator", "we", "us", or "our"). 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. Informational only — no 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.

3. 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.

4. 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.

5. Service level

The service is provided "as is". We do not guarantee uninterrupted or error-free performance and disclaim all implied warranties to the fullest extent permitted by law.

6. 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.

7. 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.

8. Liability

To the fullest extent permitted by law, aggregate liability is capped at the fees paid by you in the prior twelve (12) months. We exclude liability for indirect, consequential, or special damages (loss of profits, data, goodwill).

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.

9. Governing law and venue

These Terms are governed by the laws of State of Delaware, United States of America. Disputes are subject to State and federal courts located in Delaware, United States of America, without prejudice to any mandatory rights or forums available under applicable law.

10. Contact

Questions about these Terms: in-product support form.

Draft operational copy — not final legal advice.