Terms of Service
Summary
This Terms of Service agreement establishes the contractual relationship between you ("User") and CircleOfCompetence and its owners ("we," "us," "our) regarding your use of our website and services. It defines what the service is, how you may and may not use it, what rights you grant us, and the rights and responsibilities of both parties. Importantly, it clarifies that all content is for informational purposes only and does not constitute financial, investment, tax, or legal advice.
1. Acceptance of Terms
1.1. Agreement to Terms. By accessing or using our website and services, you agree to be bound by these Terms of Service and any future modifications posted here.
1.2. Changes to Terms. We reserve the right to modify these Terms at any time. Continued use after changes constitutes acceptance of the revised Terms.
2. Description of Service
We provide reports, data, and analytical tools concerning publicly traded companies. Features may include downloadable reports, real‑time data feeds, charts, and expert commentary.
3. Intellectual Property Rights
All content, trademarks, logos, and service marks on the site are proprietary to us or our licensors. You may not reproduce, distribute, or create derivative works without our prior written consent.
4. User Conduct
You agree not to:
- Use the service for unlawful purposes or in violation of any applicable laws.
- Reverse engineer, decompile, or attempt to extract source code from any portion of the service.
- Engage in deceptive practices, such as impersonating others or misrepresenting your affiliation with any person or entity.
5. Disclaimers
5.1 No Investment Advice
Nothing on this site constitutes professional, financial, investment, legal, or tax advice, nor an offer or solicitation to buy or sell any securities or other financial instruments.
5.2 General Disclaimer
All content is provided "as is" and for informational purposes only. We make no warranties, express or implied, regarding completeness, accuracy, or fitness for any purpose.
6. Limitation of Liability
To the fullest extent permitted by law, we and our affiliates shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of your use of or inability to use the service.
7. Indemnification
You agree to indemnify and hold us harmless from any claims, losses, liabilities, damages, or expenses (including attorneys' fees) arising from your violation of these Terms or your misuse of the service.
8. Third-Party Links and Content
Our site may contain links to third-party websites or embed third-party content. We do not control and are not responsible for their content, privacy practices, or terms.
10. Termination
We may suspend or terminate your access at our sole discretion, without notice or liability, for any reason, including breach of these Terms.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.
12. Contact Information
If you have questions about these Terms, please contact us at:
Circleofcompetence.net
lidar@circleofcompetence.net
Please review these Terms carefully. By using our website and services, you acknowledge that you have read, understood, and agree to be bound by them.