Terms of Service

1. Acceptance of Terms

By accessing or using the Twarda Zyskovin website, you confirm that you have read, understood, and agree to be bound by these Terms and any policies referenced within them, including our Privacy Policy. If you do not agree with any part of these Terms, please discontinue use of the Service immediately.

2. Description of Service

Twarda Zyskovin provides AI-driven data analysis, informational content, and decision-support tools intended to help individual and small investors organize and interpret publicly available market information. The Service is provided for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice of any kind.

Nothing presented through the Service should be construed as a recommendation to buy, sell, or hold any security or financial instrument. Any investment decisions you make remain solely your own responsibility.

3. No Financial Advice; No Guarantee of Results

Investing involves risk, including the potential loss of principal. Past performance of any strategy, analysis, or model is not indicative of future results. Twarda Zyskovin makes no representations or warranties regarding the accuracy, completeness, or reliability of any output generated by the Service, and you should independently verify any information before relying on it.

We strongly recommend consulting a licensed financial advisor, tax professional, or attorney before making any investment or financial decision.

4. Eligibility and Account Responsibilities

You must be of legal age in your jurisdiction to enter into a binding agreement in order to use the Service. If an account or registration is required, you are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us promptly of any unauthorized use.

5. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of applicable regulations;
• Attempt to reverse engineer, decompile, or extract underlying models or source code;
• Interfere with, disrupt, or overburden the Service's infrastructure;
• Reproduce, resell, or redistribute Service content without prior written consent;
• Use automated means to scrape or harvest data from the Service without authorization.

6. Intellectual Property

All content, design elements, text, graphics, logos, and software associated with the Service are the property of Twarda Zyskovin or its licensors and are protected by applicable intellectual property laws. No rights are granted to you other than a limited, non-exclusive, non-transferable license to access and use the Service for its intended personal purpose.

7. Third-Party Links and Content

The Service may reference or link to third-party websites, data sources, or tools that are not owned or controlled by Twarda Zyskovin. We are not responsible for the content, accuracy, or practices of any third-party resources and their inclusion does not imply endorsement.

8. Fees and Payment (If Applicable)

Where paid plans or subscriptions are offered, applicable pricing, billing cycles, and cancellation terms will be presented at the point of purchase. Unless otherwise stated, fees are non-refundable to the extent permitted by law. This section should be updated to reflect your actual pricing structure.

9. 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, non-infringement, or uninterrupted and error-free operation.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Twarda Zyskovin and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to 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.

11. Indemnification

You agree to indemnify and hold harmless Twarda Zyskovin, its officers, employees, and affiliates from any claims, damages, liabilities, or expenses arising out of your use of the Service or violation of these Terms.

12. Termination

We reserve the right to suspend or terminate your access to the Service at our discretion, without notice, for conduct that we believe violates these Terms or is otherwise harmful to other users or the Service itself.

13. Changes to These Terms

We may update these Terms from time to time to reflect changes in our practices, services, or legal requirements. Material changes will be indicated by updating the "last updated" date below. 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 applicable in the jurisdiction in which Twarda Zyskovin operates, without regard to conflict-of-law principles. This section is a placeholder and should be finalized based on your specific legal jurisdiction.

15. Contact

Questions regarding these Terms may be directed to Twarda Zyskovin through the contact details provided on our website or in the footer of this page.