Terms and Conditions & Privacy Policy

1. General Overview

Welcome to turning-point.online. This platform is designed to provide tools, knowledge, and support for individuals at meaningful life-transition stages, covering domains such as Education, Work, Family, Retirement, Financial Planning, and Leisure. By using this website, you agree to comply with the terms outlined below.

2. AI Counseling Disclaimer (Important)

  • AI-Generated Content: This website utilizes Artificial Intelligence (AI) to provide personalized guidance based on user input.

  • Not Professional Advice: All information, suggestions, and reports generated by the AI system are for informational and exploratory purposes only. They do not constitute certified financial, legal, medical, psychological, or pension advice.

  • Accuracy: AI can occasionally produce inaccurate or outdated information. Users are responsible for verifying all data before making any life decisions. turning-point.online shall not be held liable for any actions taken based on AI-generated output.

3. User Registration and Data Privacy

  • Data Collection: To provide personalized service, we collect personal details, including but not limited to name, age, gender, marital status, and email address.

  • Data Usage: Your data is used solely to enhance your experience and provide relevant guidance. We do not sell your information to third parties. Data may be processed through third-party AI tools (e.g., OpenAI) for the sole purpose of generating your counseling reports.

  • Account Cancellation: Users have the right to request the deletion of their account and personal data at any time.

4. Expert Consultations (Zoom Sessions)

  • Booking and Payment: Sessions with expert advisors must be booked and paid for in advance through our integrated payment systems.

  • Cancellation Policy: You may cancel or reschedule a session up to 48 hours before the appointment for a full refund. Cancellations made after this window may not be eligible for a refund.

5. Intellectual Property

All articles, tools, and content provided on this platform are the intellectual property of [Insert Your Website Name]. Unauthorized reproduction or commercial use of this material is strictly prohibited.

6. External Links

Our website contains links to third-party sources. We are not responsible for the content, accuracy, or privacy practices of these external websites.

Last Updated: February 19, 2026