Terms and Conditions
These Terms and Conditions ("Terms") govern your access to and use of the Amortfolios platform, including any associated software, data feeds, and analytical tools (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms. This document is a general template provided for informational purposes and should be reviewed and adapted by qualified counsel before use.
1. Acceptance of Terms
By creating an account, accessing the Service, or clicking to accept these Terms, you confirm that you have read, understood, and agree to be legally bound by them. If you do not agree with any part of these Terms, you must not use the Service. Continued use of the Service after any modification to these Terms constitutes acceptance of the revised Terms.
2. Description of Service
Amortfolios provides a data analysis and decision-support platform intended to assist professionals in evaluating systematic, risk-adjusted investment strategies. The Service presents statistical outputs, historical data summaries, and modelling tools. Nothing within the Service constitutes investment advice, a recommendation to buy or sell any financial instrument, or a guarantee of future performance. Users remain solely responsible for their own investment decisions.
3. Eligibility and Account Registration
You must be of legal age in your jurisdiction and possess the authority to enter into these Terms to use the Service. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify Amortfolios promptly of any unauthorized use of your account or any other breach of security.
4. Acceptable Use
You agree not to misuse the Service, including but not limited to: attempting unauthorized access to any systems or data, reverse-engineering or decompiling any part of the platform, using automated means to scrape or extract data beyond what is permitted by your subscription, reselling or redistributing outputs without authorization, or using the Service in a manner that violates applicable laws or regulations. Amortfolios reserves the right to suspend or terminate accounts found in breach of this section.
5. Subscriptions, Fees, and Billing
Certain features of the Service may require a paid subscription. Fees, billing cycles, and available plans are presented at the point of purchase and may be updated from time to time. Unless otherwise stated, subscriptions renew automatically at the end of each billing period. You may cancel your subscription at any time through your account settings; cancellation will take effect at the end of the current billing cycle. Except where required by law, fees already paid are non-refundable.
6. Intellectual Property
All content, software, design elements, trademarks, and materials made available through the Service are the property of Amortfolios or its licensors and are protected by applicable intellectual property laws. Your subscription grants you a limited, non-exclusive, non-transferable licence to access and use the Service for its intended purpose. No other rights are granted, and you may not copy, modify, or create derivative works from any part of the Service without prior written consent.
7. Data and Third-Party Sources
The Service may incorporate data obtained from third-party providers. While Amortfolios takes reasonable steps to work with reputable sources, it does not warrant the accuracy, completeness, or timeliness of any data displayed within the Service. Market data, historical figures, and analytical outputs may contain delays, errors, or omissions, and users should independently verify any information material to their decisions.
8. No Financial Advice
Amortfolios is not a registered investment adviser, broker-dealer, or financial institution. Nothing provided through the Service should be interpreted as personalized financial, legal, or tax advice. Users are encouraged to consult with qualified professionals before making decisions based on information obtained through the platform.
9. Disclaimer of Warranties
The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. Amortfolios does not warrant that the Service will be uninterrupted, error-free, or secure from unauthorized access.
10. Limitation of Liability
To the fullest extent permitted by applicable law, Amortfolios and its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising out of or related to your use of, or inability to use, the Service, even if advised of the possibility of such damages.
11. Indemnification
You agree to indemnify and hold harmless Amortfolios and its affiliates from any claims, damages, liabilities, and expenses arising from your use of the Service, your violation of these Terms, or your infringement of any third-party rights.
12. Suspension and Termination
Amortfolios reserves the right to suspend or terminate your access to the Service, with or without notice, if you breach these Terms or if such action is deemed necessary to protect the integrity of the platform or other users. Upon termination, your right to use the Service will immediately cease, though provisions of these Terms that by their nature should survive will remain in effect.
13. Changes to the Service and Terms
Amortfolios may modify, suspend, or discontinue any aspect of the Service at any time. We may also update these Terms periodically to reflect changes in our practices or for legal, regulatory, or operational reasons. Material changes will be communicated through the Service or by other reasonable means, and continued use following such changes constitutes acceptance of the updated Terms.
14. Governing Law
These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Amortfolios operates, without regard to conflict-of-law principles. This section is provided as a general placeholder and should be finalized based on the specific jurisdiction and legal advice applicable to your business.
15. Severability
If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.
16. Contact
Questions regarding these Terms may be directed to Amortfolios through the contact channels provided on our website. This document is a general draft template and does not constitute legal advice; it should be reviewed by qualified legal counsel prior to publication.