Terms and Conditions
These Terms and Conditions ("Terms") govern your access to and use of the Ivernholl platform, including any associated websites, dashboards, APIs, and analytical tools (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, you must not use the Service.
This is a general draft template provided for informational purposes and should be reviewed by qualified legal counsel before use. It does not constitute legal advice and does not reflect jurisdiction-specific compliance review.
1. Acceptance of Terms
By creating an account, accessing any part of the Service, or clicking to accept these Terms where presented, you confirm that you have read, understood, and agree to be bound by these Terms and any policies referenced herein, including our Privacy Policy. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.
2. Description of Service
Ivernholl provides AI-driven data analysis and risk-adaptation tools intended to support decision-making for individual investors and corporate teams. The Service may include, without limitation, analytical dashboards, automated risk scoring, scenario modelling, and related reporting features. The Service is provided on an "as is" and "as available" basis, and Ivernholl may modify, suspend, or discontinue any feature at any time without prior notice.
3. Not Financial Advice
Outputs generated by the Service, including risk scores, analyses, projections, and recommendations, are provided for informational purposes only. They do not constitute financial, investment, legal, or tax advice, and should not be relied upon as the sole basis for any investment or business decision. You should consult with a qualified professional advisor before making decisions based on information obtained through the Service.
4. Eligibility and Account Registration
To use certain features of the Service, you may be required to register for an account. You agree to:
- Provide accurate, current, and complete information during registration;
- Maintain the confidentiality of your account credentials;
- Promptly notify Ivernholl of any unauthorized use of your account;
- Be solely responsible for all activity that occurs under your account.
Ivernholl reserves the right to suspend or terminate accounts that provide false information or otherwise violate these Terms.
5. Acceptable Use
You agree not to use the Service to:
- Violate any applicable law, regulation, or third-party right;
- Reverse engineer, decompile, or attempt to extract the underlying models or source code of the Service;
- Resell, sublicense, or redistribute the Service without prior written consent;
- Introduce malicious code, interfere with the Service's operation, or attempt unauthorized access to its systems;
- Use the Service to build a competing product or service.
6. Subscription, Fees, and Billing
Certain features of the Service may require payment of subscription fees. Where applicable, fees, billing cycles, and payment terms will be presented at the time of purchase or in a separate order form. Unless otherwise stated, fees are non-refundable. Ivernholl reserves the right to change pricing for future billing periods with reasonable prior notice.
You are responsible for providing accurate billing information and for any taxes associated with your use of the Service, excluding taxes based on Ivernholl's net income.
Summary
- Fees are disclosed before purchase
- Renewals occur automatically unless cancelled
- Refunds are governed by the specific order terms
- Pricing changes apply prospectively
7. Intellectual Property
The Service, including its software, models, design, text, graphics, and other content (excluding content you submit), is owned by Ivernholl or its licensors and is protected by applicable intellectual property laws. Subject to your compliance with these Terms, Ivernholl grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business or personal purposes.
8. Your Data and Content
You retain ownership of any data, documents, or materials you submit to the Service ("Customer Data"). You grant Ivernholl a limited license to process Customer Data solely for the purpose of providing and improving the Service. You are responsible for ensuring you have the necessary rights to submit any Customer Data and that such data does not infringe third-party rights or violate applicable law.
9. Disclaimers
To the maximum extent permitted by applicable law, Ivernholl disclaims all warranties of any kind, whether express, implied, or statutory, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Ivernholl does not warrant that the Service will be uninterrupted, error-free, or that any analysis, projection, or risk assessment will be accurate or complete.
10. Limitation of Liability
To the maximum extent permitted by applicable law, Ivernholl and its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, data, or goodwill, arising out of or related to your use of the Service, even if advised of the possibility of such damages. Ivernholl's total aggregate liability arising out of or related to these Terms shall not exceed the amount paid by you to Ivernholl for the Service during the twelve (12) months preceding the event giving rise to the claim.
11. Indemnification
You agree to indemnify and hold harmless Ivernholl and its affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your use of the Service, your violation of these Terms, or your violation of any rights of a third party.
12. Termination
Ivernholl may suspend or terminate your access to the Service at any time, with or without cause, including for breach of these Terms. You may terminate your account at any time by discontinuing use of the Service and following any applicable cancellation process. Upon termination, your right to use the Service will immediately cease, and provisions of these Terms that by their nature should survive termination will continue to apply.
13. Changes to these Terms
Ivernholl may update these Terms from time to time. Material changes will be communicated through the Service or by other reasonable means. Continued use of the Service after changes become effective constitutes acceptance of the revised Terms. We encourage you to review 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 Ivernholl is registered, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts of that jurisdiction, unless otherwise required by applicable mandatory law.
15. Contact
If you have questions about these Terms, please reach out via the contact details provided on our Contact page.