Terms and Conditions

1. Overview of Services

Vexorium provides AI-driven portfolio analysis and reporting tools intended to help users review and understand their investment holdings. Our services are informational in nature and are not intended to constitute personalised financial, investment, tax, or legal advice. Any outputs, reports, or recommendations generated through our platform should be considered as one input among many in your decision-making process.

2. Eligibility and Account Registration

To use certain features of our services, you may be required to register for an account and provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us promptly of any unauthorised use of your account.

You must be at least 18 years of age and have the legal capacity to enter into binding agreements to use our services.

3. No Investment Advice

Nothing provided through Vexorium's platform, reports, or communications should be construed as a recommendation, solicitation, or offer to buy or sell any security or financial instrument. All investment decisions remain solely your responsibility. Investment values can fall as well as rise, and past performance is not a reliable indicator of future results. You should seek independent financial advice before making investment decisions.

4. Use of the Service

You agree to use our services only for lawful purposes and in accordance with these Terms. You agree not to:

• Attempt to gain unauthorised access to our systems, data, or networks.
• Use automated tools to scrape, copy, or extract data from the platform without permission.
• Reverse-engineer, decompile, or otherwise attempt to derive the source code of our software.
• Use the service to transmit harmful code, spam, or engage in fraudulent activity.
• Misrepresent your identity or affiliation when using the service.

5. Subscription, Fees, and Billing

Certain features of our services may require payment of fees. Where applicable, fees, billing cycles, and payment terms will be presented to you at the point of purchase or sign-up. All fees are exclusive of applicable taxes unless stated otherwise. We reserve the right to change our pricing with reasonable advance notice to existing subscribers.

6. Cancellation and Refunds

You may cancel your subscription at any time in accordance with the cancellation process made available within your account settings or by contacting us directly. Unless otherwise required by law or expressly stated at the time of purchase, fees already paid are generally non-refundable.

7. Intellectual Property

All content, software, trademarks, logos, and materials made available through our services are the property of Vexorium or its licensors and are protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable licence to access and use the services for your personal, non-commercial use, subject to these Terms. No other rights are granted.

8. Data and Privacy

Our collection and use of personal information in connection with your use of the services is described in our Privacy Policy. By using our services, you consent to the practices described therein.

9. Disclaimers

Our services are 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 warrant that the service will be uninterrupted, error-free, or free of harmful components, or that any analysis, report, or output will be accurate, complete, or suitable for your particular circumstances.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Vexorium and its officers, employees, and agents 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, our services, even if advised of the possibility of such damages. Our total aggregate liability arising from or related to these Terms or the services shall not exceed the amount paid by you to us in the twelve (12) months preceding the event giving rise to the claim.

11. Indemnification

You agree to indemnify and hold harmless Vexorium, its affiliates, and their respective officers, directors, employees, and agents 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 services, or your violation of these Terms.

12. Termination

We reserve the right to suspend or terminate your access to the services at any time, with or without notice, for conduct that we believe violates these Terms, is harmful to other users, or is otherwise objectionable. Upon termination, your right to use the services will immediately cease, though provisions of these Terms that by their nature should survive termination will remain in effect.

13. Changes to These Terms

We may update these Terms from time to time to reflect changes in our services or applicable law. Material changes will be communicated through the website or via other reasonable means. Your continued use of the services after such changes constitutes acceptance of the updated Terms. We recommend reviewing this page periodically.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Vexorium is registered, 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 consumer protection law.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining Terms remain in full force and effect.

16. Contact Us

If you have any questions about these Terms, please get in touch through our contact page.

Last updated: this draft is provided as a placeholder and should be dated and reviewed before publication.