Terms and Conditions

1. Acceptance of Terms

By accessing or using the Varvelyn AI website, dashboard, or any related services (collectively, the "Service"), you agree to be bound by these Terms and by our Privacy Policy. If you do not agree to these Terms, please do not use the Service. If you are using the Service on behalf of an organisation, you represent that you have the authority to bind that organisation to these Terms.

2. Description of Service

Varvelyn AI provides software tools designed to help users organise, monitor, and review investment-related information. The Service is intended to support decision-making and does not constitute financial, legal, tax, or investment advice. Any output, report, or insight generated by the Service should be independently verified before being relied upon.

3. Eligibility and Accounts

You must be at least the age of majority in your jurisdiction to use the Service. When you create an account, you agree to provide accurate and complete information and to keep it up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us promptly if you suspect any unauthorised use of your account.

4. Subscriptions and Payment

Certain features of the Service may require a paid subscription. Fees, billing frequency, and any applicable trial terms will be presented to you at the time of purchase. Unless otherwise stated, subscriptions renew automatically until cancelled. You may cancel at any time through your account settings or by contacting us; cancellation will take effect at the end of the current billing period, and fees already paid are generally non-refundable except where required by law.

5. Acceptable Use

You agree not to misuse the Service. This includes, without limitation, agreeing not to:

• Attempt to gain unauthorised access to the Service, other accounts, or related systems.
• Reverse engineer, decompile, or attempt to extract the source code of the Service.
• Use the Service to transmit unlawful, harmful, or infringing content.
• Interfere with or disrupt the integrity or performance of the Service.
• Resell, sublicense, or redistribute the Service without prior written consent.

6. Intellectual Property

The Service, including its software, design, text, graphics, and underlying technology, is owned by or licensed to Varvelyn AI and is protected by applicable intellectual property laws. These Terms grant you a limited, non-exclusive, non-transferable licence to use the Service for its intended purpose. No other rights are granted, and all rights not expressly granted are reserved by Varvelyn AI.

7. User Content

Where you upload, input, or submit information, data, or files ("User Content") to the Service, you retain ownership of that content. You grant Varvelyn AI a limited licence to host, process, and display User Content solely for the purpose of operating and improving the Service. You are responsible for ensuring you have the necessary rights to submit your User Content.

8. No Financial Advice

Varvelyn AI is a software and decision-support tool. Nothing within the Service should be construed as personalised investment, financial, tax, or legal advice, and the Service is not a substitute for consultation with qualified professionals. Investment decisions carry risk, including the potential loss of capital, and you are solely responsible for any decisions made using information obtained through the Service.

9. Disclaimers

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 merchantability, fitness for a particular purpose, accuracy, or non-infringement. Varvelyn AI does not warrant that the Service will be uninterrupted, error-free, or completely secure.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Varvelyn AI and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising out of or related to your use of the Service, even if advised of the possibility of such damages. Varvelyn AI's total aggregate liability for any claim arising from these Terms shall not exceed the amount you paid to Varvelyn AI in the twelve (12) months preceding the claim.

11. Indemnification

You agree to indemnify and hold Varvelyn AI, its officers, employees, and partners harmless from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising out of your use of the Service, your violation of these Terms, or your infringement of any third-party rights.

12. Termination

We may suspend or terminate your access to the Service at our discretion, with or without notice, if we believe you have violated these Terms or engaged in conduct that may harm Varvelyn AI or other users. You may stop using the Service and close your account at any time. Provisions that by their nature should survive termination (including intellectual property, disclaimers, and limitation of liability) will continue to apply.

13. Changes to the Service and Terms

We may update, modify, or discontinue features of the Service at any time. We may also revise these Terms periodically; material changes will be indicated by updating the "Last updated" date above. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Insert Governing Jurisdiction], without regard to its conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in [Insert Jurisdiction].

15. Severability

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

16. Contact

Questions about these Terms can be directed to us through the contact details provided on our Contact page.