Terms and Conditions
These Terms and Conditions ("Terms") govern your access to and use of Ruby Capitora's website and data-analysis tools ("Service"). This is a general draft provided for informational structuring purposes and should be reviewed by qualified legal counsel before use, as it does not account for jurisdiction-specific requirements.
1. Acceptance of Terms
By accessing or using the Ruby Capitora website or any associated tools, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy. If you do not agree with any part of these Terms, you should discontinue use of the Service immediately.
2. Description of Service
Ruby Capitora provides data-analysis and decision-support tools intended to help users review historical market information and backtested modelling. The Service is designed to support independent research and does not constitute financial advice, a recommendation to buy or sell any security, or a substitute for professional guidance from a licensed advisor.
3. No Financial Advice
Nothing presented through Ruby Capitora's tools, reports, or website content should be interpreted as personalised financial, investment, tax, or legal advice. All outputs are generated from historical and modelled data and may not reflect future performance. You are solely responsible for any decisions made based on information obtained through the Service, and you should consult a qualified professional before making financial commitments.
4. Eligibility and Account Responsibilities
You must be at least 18 years of age and legally capable of entering into binding agreements to use the Service. If you create an account or submit information through our forms, you agree to provide accurate details and to keep any credentials confidential. You are responsible for all activity that occurs in connection with your use of the Service.
5. Acceptable Use
You agree not to misuse the Service, including but not limited to: attempting unauthorised access to our systems, reverse-engineering our tools, submitting false information, using the Service for unlawful purposes, or interfering with the normal operation of the website. We reserve the right to suspend or terminate access for users who violate these conditions.
6. Intellectual Property
All content on this website, including text, graphics, logos, tool designs, and underlying software, is the property of Ruby Capitora or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without prior written permission.
7. Third-Party Links and Services
The Service may reference or link to third-party resources for informational purposes. Ruby Capitora does not control and is not responsible for the content, accuracy, or practices of any third-party sites. Inclusion of a link does not imply endorsement.
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 accuracy, completeness, merchantability, or fitness for a particular purpose. Ruby Capitora does not guarantee that the Service will be uninterrupted, error-free, or free from inaccuracies in underlying data or modelling.
9. Limitation of Liability
To the fullest extent permitted by applicable law, Ruby Capitora shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or investment value, arising from your use of or inability to use the Service, even if advised of the possibility of such damages.
10. Indemnification
You agree to indemnify and hold harmless Ruby Capitora, its representatives, and affiliates from any claims, liabilities, damages, or expenses arising from your use of the Service, your violation of these Terms, or your infringement of any third-party rights.
11. Modifications to the Service and Terms
We reserve the right to modify, suspend, or discontinue any part of the Service at our discretion, and to update these Terms from time to time. Material changes will be reflected by updating the "last updated" date on this page. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.
12. Termination
We may suspend or terminate your access to the Service at any time, with or without notice, if we reasonably believe you have violated these Terms or engaged in conduct harmful to Ruby Capitora or other users.
13. Governing Law
These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Ruby Capitora operates, without regard to conflict-of-law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction.
14. 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, and the remaining provisions shall remain in full force and effect.
15. Contact
If you have questions regarding these Terms, please reach out via the contact details provided on our Contact page.
Last updated: this placeholder date should be replaced with the actual publication date. This document is a general template and does not constitute legal advice.