Terms and Conditions
These Terms and Conditions ("Terms") govern your access to and use of the Ruvenmerit website, tools, and related services (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.
This is a general template provided for informational purposes and should be reviewed and adapted to reflect your specific business practices and applicable legal requirements before publication.
1. Acceptance of Terms
By creating an account, accessing our website, or otherwise using the Service, you confirm that you have read, understood, and agree to be bound by these Terms and any additional guidelines or policies referenced herein, including our Privacy Policy. If you are using the Service on behalf of an organisation, you represent that you have the authority to bind that organisation to these Terms.
2. Description of Service
Ruvenmerit provides AI-driven data analysis and risk-related insights intended to support individual investors in reviewing and interpreting financial data. The Service is provided for informational and educational purposes only. It does not constitute financial, investment, legal, or tax advice, and it does not guarantee any particular outcome, return, or level of accuracy. Any decisions you make based on information provided through the Service are made at your own discretion and risk.
3. Eligibility and Account Registration
To access certain features of the Service, you may be required to create an account and provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify us promptly of any unauthorised use of your account. You must be of legal age in your jurisdiction to enter into a binding agreement in order to use the Service.
4. Acceptable Use
You agree not to misuse the Service. This includes, without limitation, agreeing not to: (a) attempt to gain unauthorised access to any part of the Service or its underlying systems; (b) reverse engineer, decompile, or otherwise attempt to extract source code from the Service; (c) use the Service to transmit any unlawful, harmful, or fraudulent content; (d) interfere with or disrupt the integrity or performance of the Service; or (e) use automated means to access the Service without our prior written consent.
5. No Financial Advice
Nothing provided through the Service should be construed as personalised financial advice. Ruvenmerit is not a licensed financial adviser, broker, or fiduciary. You should seek advice from a suitably qualified professional before making any investment or financial decision. Past performance data, modelled scenarios, or analytical outputs presented within the Service are not indicative of future results.
6. Intellectual Property
All content, features, software, design elements, and underlying technology associated with the Service are the property of Ruvenmerit or its licensors and are protected by applicable intellectual property laws. Except as expressly permitted by these Terms, you may not copy, modify, distribute, sell, or lease any part of the Service without our prior written consent.
7. Subscription, Fees, and Payment
Certain features of the Service may require payment of fees. Where applicable, fee amounts, billing frequency, and payment terms will be presented to you at the time of purchase. All fees are non-refundable except where required by law or expressly stated otherwise. We reserve the right to change our pricing with reasonable prior notice to existing subscribers.
8. Third-Party Services and Data
The Service may incorporate or reference data, tools, or links provided by third parties. We do not control and are not responsible for the accuracy, availability, or content of third-party sources. Your use of any third-party services accessed through Ruvenmerit is subject to the applicable third party's own terms and policies.
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, non-infringement, or accuracy of data. We do not warrant that the Service will be uninterrupted, secure, or free of errors.
10. Limitation of Liability
To the maximum extent permitted by applicable law, Ruvenmerit and its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or investment value, arising out of or in connection with 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 Ruvenmerit and its affiliates from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your access to or use of the Service, your violation of these Terms, or your violation of any rights of a third party.
12. Suspension and Termination
We may suspend or terminate your access to the Service, in whole or in part, at any time and for any reason, including breach of these Terms, without prior notice. Upon termination, your right to use the Service will immediately cease. Provisions of these Terms that by their nature should survive termination will continue to apply.
13. Changes to the Service and Terms
We reserve the right to modify, suspend, or discontinue any part of the Service at any time. We may also update these Terms periodically to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will post the revised Terms with an updated effective date, and continued use of the Service after such changes constitutes your acceptance of the revised Terms.
14. Governing Law
These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Ruvenmerit operates, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts in that jurisdiction, unless otherwise required by applicable law.
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 so that the remaining provisions of these Terms will otherwise remain in full force and effect.
16. Contact
If you have any questions about these Terms, please get in touch via our Contact page.