Terms of Service

1. Introduction

Welcome to Individends, a financial education platform operated by an individual under the name "Individends" (referred to as "we", "our", or "us"). These Terms of Service ("Terms") govern your access to and use of our website, tools, content, and services (collectively, the "Platform").

By accessing or using our Platform, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Platform.

2. Educational Purpose and Investment Disclaimers

2.2 No Investment Advisory Services

We are not a registered investment advisor, broker-dealer, or financial institution. We do not provide personalized investment advice based on your individual financial situation, goals, or risk tolerance.

2.3 Investment Risk Acknowledgment

You acknowledge and understand that:

• All investments carry risk, including the potential loss of principal
• Past performance does not guarantee future results
• Dividend payments are not guaranteed and can be reduced or eliminated
• Market conditions can affect investment outcomes
• You should consult with qualified financial professionals before making investment decisions

2.4 AI-Generated Content Disclaimer

Our Platform may include AI-generated analysis, scoring systems, and recommendations. This content is algorithmic and should not be considered personalized advice. AI systems may contain errors, biases, or limitations that could affect the accuracy of the information provided. By using AI-powered features on our Platform, you acknowledge that outputs are algorithmically generated, not manually reviewed, and should be interpreted critically.

3. User Responsibilities and Acceptable Use

3.1 Account Registration

To access certain features, you may need to create an account. You agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Be responsible for all activities under your account

3.2 Prohibited Uses

You may not use our Platform to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit harmful, offensive, or illegal content
• Attempt to gain unauthorized access to our systems
• Use automated tools to scrape or download content without permission
• Share your account credentials with others

3.3 User-Generated Content

If you submit content to our Platform, you grant us a non-exclusive, royalty-free license to use, modify, and display such content in connection with operating our Platform.

3.4 Age Requirement

You must be at least 18 years old (or the age of majority in your country) to use the Platform. By using the Platform, you confirm you meet this requirement.

4. Subscription Terms and Billing

4.1 Premium Services

We offer premium subscription services with enhanced features and content. Subscription details, pricing, and features are described on our Platform.

4.2 Billing and Payments

• Subscription fees are charged in advance on a recurring basis
• You authorize us to charge your payment method for all applicable fees
• All fees are non-refundable except as required by law or as specified in these Terms
• We reserve the right to change pricing with 30 days' notice to existing subscribers

4.3 Cancellation and Refunds

• You may cancel your subscription at any time through your account settings
• Cancellation takes effect at the end of your current billing period
• We do not provide refunds for partial subscription periods
• We reserve the right to suspend or terminate accounts for violations of these Terms

4.4 Free Trial

If we offer a free trial, it will automatically convert to a paid subscription unless cancelled before the trial period ends.

5. Intellectual Property Rights

5.1 Our Content

All content on our Platform, including text, graphics, logos, software, analysis tools, and algorithms, is our property or licensed to us and is protected by intellectual property laws.

5.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our Platform for personal, non-commercial purposes in accordance with these Terms.

5.3 Restrictions

You may not:

• Copy, modify, or distribute our content without permission
• Reverse engineer our software or algorithms
• Remove copyright or proprietary notices
• Use our trademarks without authorization

6. Privacy and Data Usage

6.1 Data Collection

We collect and process personal data as described in our separate Privacy Policy, which is incorporated by reference into these Terms. In accordance with GDPR, users located in the EU have the right to access, rectify, or delete their personal data. To exercise these rights, contact us at individends@gmail.com.

6.2 Analytics and Improvement

We may use aggregated, anonymized data to improve our services and develop new features.

6.3 Third-Party Services

Our Platform may integrate with third-party services for payments, analytics, or other functions, each governed by their respective terms and privacy policies.

7. Disclaimers and Limitations of Liability

7.1 Platform Availability

We provide our Platform "as is" and "as available." We do not guarantee:

• Uninterrupted or error-free operation
• Accuracy or completeness of information
• Compatibility with all devices or browsers
• Security against unauthorized access

7.2 Financial Information Accuracy

While we strive for accuracy, we do not warrant that financial data, stock prices, or dividend information is current, accurate, or complete. Market data may be delayed or contain errors. Some data on the Platform may be sourced from third-party providers. We do not guarantee the accuracy or timeliness of these external data feeds and are not liable for any decisions made based on them.

7.3 Limitation of Liability

To the maximum extent permitted by law:

• We shall not be liable for any indirect, incidental, or consequential damages
• Our total liability shall not exceed the amount you paid us in the 12 months preceding the claim
• We are not liable for investment losses or financial decisions based on our Platform

7.4 Force Majeure

We are not liable for any failure to perform due to circumstances beyond our reasonable control.

8. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from:

• Your use of our Platform
• Your violation of these Terms
• Your infringement of any third-party rights
• Any investment decisions you make

9. Termination

9.1 By You

You may terminate your account at any time by canceling your subscription and ceasing use of our Platform.

9.2 By Us

We may suspend or terminate your access immediately if you:

• Violate these Terms
• Engage in fraudulent activity
• Pose a security risk to our Platform
• Fail to pay applicable fees

9.3 Effect of Termination

Upon termination, your right to access our Platform ceases, but provisions regarding liability, indemnification, and intellectual property survive.

10. Modifications to Terms

10.1 Right to Modify

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our Platform.

10.2 Notice of Changes

For material changes, we will provide reasonable notice through our Platform or via email to registered users.

10.3 Continued Use

Your continued use of our Platform after changes constitutes acceptance of the modified Terms.

11. Governing Law and Jurisdiction

11.1 Governing Law

These Terms are governed by the laws of France and the European Union, without regard to conflict of law principles.

11.2 Jurisdiction

Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of France.

11.3 EU Consumer Rights

If you are a consumer in the European Union, you retain any mandatory consumer protection rights under applicable EU law.

12. General Provisions

12.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Platform.

12.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in effect.

12.3 Waiver

Our failure to enforce any provision does not constitute a waiver of our right to enforce it later.

12.4 Assignment

You may not assign your rights under these Terms. We may assign our rights without restriction.

13. Contact Information

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