Terms and Conditions
These Terms and Conditions ("Terms") govern access to and use of COUMAYA's website and analytical tools. By accessing or using our services, you agree to be bound by these Terms. This is a general draft template and should be reviewed and adapted to your specific jurisdiction and business circumstances before publication.
Last updated: [Insert Date]
1. Acceptance of Terms
By creating an account, requesting access, or otherwise using any part of the COUMAYA website or platform (collectively, the "Service"), you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree with any part of these Terms, you must not use the Service.
2. Description of Service
COUMAYA provides AI-driven market data analysis and decision-support tools intended to assist day traders and private investors in reviewing market information. The Service is a software and analytics tool only. COUMAYA does not provide regulated financial advice, portfolio management, brokerage services, or guaranteed investment outcomes of any kind.
3. Eligibility
You must be of legal age in your jurisdiction of residence and have the legal capacity to enter into a binding agreement in order to use the Service. By using the Service, you represent and warrant that you meet these requirements and that all information you provide to us is accurate and current.
4. Account Responsibilities
If an account is required to access certain features, you are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us promptly of any unauthorized use of your account. COUMAYA is not liable for any loss arising from your failure to safeguard your account information.
5. No Investment Advice
Nothing provided through the Service constitutes financial, legal, tax, or investment advice. All outputs, analyses, signals, or reports generated by COUMAYA are provided for informational purposes only and should not be relied upon as the sole basis for any trading or investment decision. You are solely responsible for evaluating the merits and risks associated with any decision you make.
6. Assumption of Risk
Trading and investing involve substantial risk, including the potential loss of principal. Past performance of any tool, model, or methodology referenced through the Service is not indicative of future results. You acknowledge that you use the Service entirely at your own risk and that COUMAYA makes no guarantee of profitability, accuracy, or suitability for your individual circumstances.
7. Fees and Payment
Where applicable, fees for access to the Service will be disclosed prior to purchase. All fees are non-refundable except where required by applicable law or as otherwise expressly stated at the time of purchase. COUMAYA reserves the right to change its pricing structure with reasonable prior notice.
8. Intellectual Property
All content, software, design elements, trademarks, and materials made available through the Service are the property of COUMAYA or its licensors and are protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the Service for your own personal or internal business purposes. You may not copy, reproduce, distribute, or create derivative works from any part of the Service without our prior written consent.
9. Prohibited Uses
You agree not to: (a) use the Service for any unlawful purpose; (b) attempt to reverse-engineer, decompile, or extract the underlying models or source code of the Service; (c) resell, sublicense, or redistribute access to the Service without authorization; (d) interfere with or disrupt the integrity or performance of the Service; or (e) misrepresent your identity or affiliation when using the Service.
10. Third-Party Services and Links
The Service may reference or link to third-party data sources, tools, or websites. COUMAYA does not control and is not responsible for the content, accuracy, or practices of any third party. Your use of any third-party service is subject to that party's own terms and policies.
11. 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 merchantability, fitness for a particular purpose, accuracy, or non-infringement. COUMAYA does not warrant that the Service will be uninterrupted, error-free, or free of harmful components.
12. Limitation of Liability
To the maximum extent permitted by applicable law, COUMAYA, its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, trading losses, data loss, or loss of goodwill, arising out of or in connection with your use of, or inability to use, the Service, regardless of the legal theory asserted.
13. Indemnification
You agree to indemnify and hold harmless COUMAYA and its affiliates from any claims, damages, liabilities, costs, or expenses arising from your use of the Service, your violation of these Terms, or your violation of any rights of a third party.
14. Suspension and Termination
COUMAYA reserves the right to suspend or terminate your access to the Service, with or without notice, in the event of a suspected violation of these Terms or for any reason at our reasonable discretion. Upon termination, your right to use the Service will cease immediately.
15. Changes to These Terms
COUMAYA may revise these Terms from time to time. Any changes will be posted on this page with an updated revision date. Continued use of the Service after changes are posted constitutes acceptance of the revised Terms.
16. 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].
17. Severability
If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.
18. Contact
Questions regarding these Terms may be directed to us through the contact details provided on our Contact page.