Terms and Conditions
These Terms and Conditions ("Terms") govern your access to and use of the Stvondaruno website and services. This is a general draft template provided for informational purposes and should be reviewed and adapted to reflect your specific business practices and applicable law before use.
1. Acceptance of Terms
By accessing or using the Stvondaruno website or any services offered by Stvondaruno (collectively, the "Services"), you agree to be bound by these Terms. If you do not agree with any part of these Terms, you should not use the Services.
2. Description of Services
Stvondaruno provides AI-assisted tools intended to help small and medium businesses analyse cash flow and liquidity data in order to support informed financial decision-making. The Services are provided for informational purposes and do not constitute financial, legal, tax, or investment advice. Any decisions made based on outputs from the Services are made at your own discretion and risk.
3. Eligibility
The Services are intended for use by businesses and authorised representatives acting in a business capacity. By using the Services, you represent that you have the authority to bind the business on whose behalf you are acting and that all information you provide is accurate and current.
4. Account Registration and Security
Certain features of the Services may require you to register for an account. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify Stvondaruno promptly of any unauthorised use of your account.
5. Acceptable Use
You agree not to misuse the Services, including but not limited to: attempting unauthorised access to systems or data, interfering with the normal operation of the Services, reverse-engineering any part of the platform, or using the Services for any unlawful purpose. Stvondaruno reserves the right to suspend or terminate access for any account found to be in violation of these provisions.
6. Data and Content You Provide
You retain ownership of any financial data, documents, or other content you submit to the Services ("Customer Data"). You grant Stvondaruno a limited licence to process Customer Data solely for the purpose of providing and improving the Services. You are responsible for ensuring you have the necessary rights and permissions to submit any Customer Data you provide.
7. Fees and Payment
Where applicable, fees for the Services will be communicated to you prior to purchase or subscription. All fees are exclusive of applicable taxes unless stated otherwise. Failure to pay outstanding fees may result in suspension or termination of access to the Services.
8. Intellectual Property
All content, software, trademarks, and materials associated with the Services, excluding Customer Data, are the property of Stvondaruno or its licensors and are protected by applicable intellectual property laws. Nothing in these Terms grants you any right or licence to use Stvondaruno's intellectual property except as necessary to use the Services as intended.
9. No Financial Advice
The Services provide analytical outputs based on data supplied by you and general assumptions. Stvondaruno does not guarantee the accuracy, completeness, or suitability of any output for your specific circumstances. You should seek independent professional advice before making material financial decisions.
10. Disclaimers
The 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, or non-infringement. Stvondaruno does not warrant that the Services will be uninterrupted, error-free, or free of harmful components.
11. Limitation of Liability
To the fullest extent permitted by applicable law, Stvondaruno shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunity arising from your use of, or inability to use, the Services, even if advised of the possibility of such damages.
12. Indemnification
You agree to indemnify and hold harmless Stvondaruno, its affiliates, and their respective personnel from any claims, damages, liabilities, and expenses arising from your breach of these Terms or your misuse of the Services.
13. Suspension and Termination
Stvondaruno may suspend or terminate your access to the Services at any time, with or without cause, including for suspected violations of these Terms. You may discontinue use of the Services at any time. Provisions of these Terms that by their nature should survive termination will remain in effect.
14. Changes to the Services or Terms
Stvondaruno may modify or discontinue any part of the Services at its discretion. These Terms may be updated from time to time, and any changes will be posted on this page with a revised effective date. Continued use of the Services after changes are posted constitutes acceptance of the updated Terms.
15. Governing Law
These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Stvondaruno operates, without regard to conflict of law principles. This section should be reviewed and finalised in accordance with your specific legal requirements.
16. Contact
Questions regarding these Terms should be directed to Stvondaruno through the contact details provided on our Contact page.
This document is a general template and does not constitute legal advice. It should be reviewed by a qualified professional and adapted to reflect Stvondaruno's actual practices and the requirements of applicable law before being relied upon.