Terms of Service

1. Acceptance of Terms

By creating an account, accessing, or using any part of the Ledgarium website or platform (the "Service"), you confirm that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy. If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

2. Description of Service

Ledgarium provides software tools and AI-assisted market analysis intended to help users review publicly available market data and generate informational insights. The Service is provided "as is" for informational purposes only.

Nothing on the platform constitutes financial, investment, tax, or legal advice. Ledgarium is not a licensed financial advisor, broker, or dealer, and does not manage funds or execute trades on behalf of users.

3. Eligibility and Accounts

You must be of legal age in your jurisdiction to create an account and 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 us promptly of any unauthorized use of your account.

4. Acceptable Use

When using the Service, you agree not to:

• Reverse engineer, decompile, or attempt to extract the source code of the Service.
• Use the Service for any unlawful purpose or in violation of applicable regulations.
• Attempt to disrupt, overload, or gain unauthorized access to our systems or data.
• Resell, sublicense, or redistribute the Service without our prior written consent.
• Use automated scripts to scrape or extract data from the platform without authorization.

5. No Financial Advice

All content, analysis, charts, and outputs generated by Ledgarium are provided for general informational purposes only and should not be relied upon as a substitute for professional financial, legal, or tax advice. Markets involve risk, including the potential loss of capital, and past performance or historical data is not indicative of future results. You are solely responsible for any decisions made based on information obtained through the Service.

6. Subscriptions and Payments

Certain features of the Service may require a paid subscription. Pricing, billing cycles, and available plans will be presented at the point of purchase. Unless otherwise stated, fees are non-refundable except as required by applicable law. We reserve the right to modify pricing with reasonable advance notice.

7. Intellectual Property

All content, software, design, trademarks, and materials associated with Ledgarium are the property of Ledgarium or its licensors and are protected by applicable intellectual property laws. These Terms do not grant you any ownership rights; you receive only a limited, non-exclusive, non-transferable license to use the Service in accordance with these Terms.

8. 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, accuracy, or non-infringement. We do not guarantee that the Service will be uninterrupted, error-free, or free of harmful components.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Ledgarium and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising from or related to your use of the Service, even if advised of the possibility of such damages. Our total aggregate liability for any claim arising from these Terms shall not exceed the amount you paid to us in the twelve (12) months preceding the claim.

10. Termination

We may suspend or terminate your access to the Service at any time, with or without cause or notice, including for violation of these Terms. You may also discontinue your use of the Service and close your account at any time. Provisions that by their nature should survive termination will remain in effect.

11. Changes to These Terms

We may update these Terms from time to time to reflect changes in our practices or for legal, regulatory, or operational reasons. Updated Terms will be posted on this page with a revised "Last updated" date. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [insert applicable jurisdiction], without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in that jurisdiction, unless otherwise required by applicable law.

13. Contact

If you have questions about these Terms, please reach out via the contact details provided elsewhere on our website.