Terms of Use

User Eligibility

You must be at least 18 years old to use this Service. By using our platform, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these terms.

Educational Purpose

All content provided through our Service is for educational purposes only. The information should not be considered as financial advice, investment recommendations, or professional consultation. Users should consult qualified financial professionals before making any financial decisions.

We do not guarantee employment outcomes, specific career advancement, or financial returns based on completion of our educational programs. Success depends on individual effort, market conditions, and various external factors beyond our control.

Service Availability

While we strive to maintain continuous service availability, we do not guarantee uninterrupted access to the platform. Scheduled maintenance, technical issues, or unforeseen circumstances may temporarily affect service availability. We will provide reasonable notice of planned maintenance when possible.

Prohibited Activities

You agree not to engage in any of the following prohibited activities:

1. Violating any applicable laws or regulations
2. Sharing your account credentials with third parties
3. Attempting to gain unauthorized access to other user accounts
4. Uploading malicious software or harmful content
5. Harassing, threatening, or intimidating other users
6. Using automated systems to scrape or harvest content
7. Reproducing or redistributing copyrighted materials without permission
8. Creating multiple accounts to circumvent limitations
9. Engaging in any commercial activities without explicit permission
10. Posting spam, unsolicited advertisements, or promotional content

Account Security

You are responsible for maintaining the security of your account credentials. This includes choosing a strong password and keeping it confidential. You must notify us immediately if you suspect unauthorized access to your account.

We reserve the right to suspend or terminate accounts that show signs of unauthorized access or misuse. You will be liable for any activities conducted through your account, whether authorized by you or not.

Content Standards

Any content you submit through our platform must comply with our community standards. Content should be respectful, relevant to educational discussions, and free from discriminatory language or harmful material.

We reserve the right to remove content that violates these standards without prior notice. Repeated violations may result in account suspension or termination.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our educational content for personal learning purposes only. This license does not permit you to:

• Modify, distribute, or create derivative works
• Use content for commercial purposes
• Remove copyright notices or proprietary markings
• Reverse engineer or attempt to extract source code
• Share access credentials with unauthorized parties

User Content

Content you create or submit through our platform remains your intellectual property. However, by submitting content, you grant us a worldwide, royalty-free license to use, modify, and display that content in connection with operating our Service.

You represent that any content you submit does not infringe upon third-party rights and that you have the authority to grant these rights to us.

Copyright Infringement

We respect intellectual property rights and expect our users to do the same. If you believe content on our platform infringes your copyright, please contact us with detailed information about the alleged infringement.

We will investigate legitimate copyright claims and take appropriate action, which may include removing infringing content and suspending user accounts in cases of repeated violations.

Data Collection and Use

We collect information necessary to provide our educational services, including account information, learning progress, and usage patterns. This data helps us improve our platform and personalize your learning experience.

We do not sell your personal information to third parties. Data may be shared with service providers who assist in operating our platform, always under strict confidentiality agreements.

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no internet transmission is completely secure, and we cannot guarantee absolute security.

In the event of a data security incident that affects your personal information, we will notify you and relevant authorities as required by applicable law.

Your Rights

Under UK data protection law, you have rights regarding your personal information, including the right to access, correct, delete, or restrict processing of your data. You may also object to certain processing activities or request data portability.

To exercise these rights or for questions about our data practices, please contact our Data Protection Officer using the contact information provided at the end of these terms.

Educational Content Disclaimer

All educational content is provided for general informational purposes only and should not be considered as professional financial advice. Market conditions, regulations, and financial practices change frequently, and information may become outdated.

We do not warrant that our educational content will result in specific career outcomes, employment opportunities, or financial success. Individual results depend on numerous factors including personal effort, market conditions, and individual circumstances.

Limitation of Liability

To the maximum extent permitted by law, praxenolitu Financial Analysis Limited shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our Service.

Our total liability for any claims related to the Service shall not exceed the amount you paid for accessing our platform in the twelve months preceding the claim.

Third-Party Content

Our platform may contain links to third-party websites or reference external resources. We are not responsible for the content, accuracy, or practices of these external sites. Links are provided for convenience only and do not constitute endorsement.

Any interactions with third-party services are subject to their respective terms and conditions, not ours.

Termination by praxenolitu

We reserve the right to suspend or terminate your access to the Service at our discretion, with or without notice, for violations of these terms or any conduct we deem harmful to other users or our platform.

Reasons for termination may include but are not limited to:

• Violation of prohibited activities outlined in these terms
• Fraudulent or deceptive behavior
• Harassment of other users or staff
• Unauthorized commercial use of the platform
• Repeated violation of community guidelines

Effect of Termination

Upon termination, your right to access and use the Service will cease immediately. We may retain certain information as required by law or for legitimate business purposes, subject to our Privacy Policy.

Sections of these terms that by their nature should survive termination will continue to apply, including intellectual property provisions, disclaimers, and dispute resolution procedures.

Notice of Changes

Significant changes to these terms will be communicated at least 30 days before they take effect. Minor changes, such as corrections to contact information or clarifications that don't affect your rights, may be implemented immediately.

Your continued use of the Service after changes take effect constitutes acceptance of the revised terms. If you disagree with changes, you should discontinue use of the Service.

Version Control

We maintain version history of our terms and will make previous versions available upon request. The effective date at the top of these terms indicates when the current version became active.

Governing Law

These Terms of Use are governed by the laws of England and Wales. Any legal proceedings must be brought in the courts of England and Wales, and you consent to the jurisdiction of these courts.

Alternative Dispute Resolution

For disputes that cannot be resolved through direct communication, we support mediation as an alternative to formal legal proceedings. Both parties may agree to use qualified mediation services to resolve conflicts.

If mediation is unsuccessful, disputes will be resolved through the court system as outlined above.

Entire Agreement

These Terms of Use, together with our Privacy Policy and any additional terms specific to certain features, constitute the entire agreement between you and praxenolitu Financial Analysis Limited regarding use of our Service.

Severability

If any provision of these terms is found to be unenforceable or invalid, the remaining provisions will continue in full force and effect. Invalid provisions will be replaced with enforceable terms that most closely reflect the original intent.

Force Majeure

We shall not be liable for any failure to perform our obligations under these terms if such failure results from circumstances beyond our reasonable control, including natural disasters, government actions, or technical failures of third-party services.

Assignment

You may not assign or transfer your rights under these terms without our written consent. We may assign these terms in connection with a merger, acquisition, or sale of assets with notice to users.