Terms of Service

1. Acceptance of Terms

By accessing or using the Štedorix website, dashboard, or any associated 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.

2. Description of Service

Štedorix provides AI-driven predictive analytics, data visualizations, and portfolio-related tooling intended to assist individual investors with independent decision-making. The Service is provided for informational and analytical purposes only and does not constitute financial, investment, tax, or legal advice.

Štedorix is not a registered investment advisor, broker-dealer, or financial planner. Nothing generated by the Service should be construed as a recommendation to buy, sell, or hold any security or financial instrument.

3. No Financial Advice; Investment Risk

All content, analysis, projections, and outputs produced by the Service are generated using automated models and historical data. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal. You are solely responsible for evaluating the merits and risks associated with any decision made using information from the Service, and you should consult a licensed financial professional before making investment decisions.

4. Eligibility and Account Registration

To access certain features of the Service, you may be required to create an account. You agree to provide accurate, current, and complete information during registration and to keep your account credentials confidential. You are responsible for all activity that occurs under your account.

You must be at least the age of legal majority in your jurisdiction of residence to use the Service. By using the Service, you represent that you meet this requirement.

5. Subscription, Fees, and Payment

Access to certain features may require payment of subscription fees. Fees, billing cycles, and available plans will be disclosed at the time of purchase. Unless otherwise stated, fees are non-refundable except as required by applicable law. Štedorix reserves the right to modify pricing with reasonable advance notice to active subscribers.

6. Acceptable Use

You agree not to: (a) reverse-engineer, decompile, or attempt to extract the underlying models or source code of the Service; (b) use automated scripts or bots to scrape or overload the Service; (c) resell, sublicense, or redistribute outputs of the Service without prior written consent; (d) use the Service for any unlawful purpose or in violation of any applicable regulation; or (e) misrepresent your identity or affiliation when using the Service.

7. Intellectual Property

All content, software, models, trademarks, and materials associated with the Service are the property of Štedorix or its licensors and are protected by applicable intellectual property laws. These Terms do not grant you any ownership rights in the Service. You retain any data you upload, subject to the license granted below.

8. User Data and License

By submitting data or content to the Service, you grant Štedorix a limited, non-exclusive license to process such data solely for the purpose of operating and improving the Service, consistent with our Privacy Policy.

9. Third-Party Services and Data

The Service may incorporate or reference third-party data sources, market feeds, or integrations. Štedorix does not guarantee the accuracy, completeness, or timeliness of third-party data and is not responsible for any errors or omissions originating from such sources.

10. Disclaimer of Warranties

The Service is provided "as is" and "as available" 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 accuracy of results. Štedorix does not warrant that the Service will be uninterrupted, error-free, or free of harmful components.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Štedorix and its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or investment value, arising out of or related to your use of the Service, even if advised of the possibility of such damages.

12. Indemnification

You agree to indemnify and hold harmless Štedorix from and against any claims, liabilities, damages, losses, and expenses arising out of your use of the Service, your violation of these Terms, or your violation of any applicable law or third-party right.

13. Termination

Štedorix reserves the right to suspend or terminate your access to the Service at any time, with or without notice, for conduct that violates these Terms or is otherwise harmful to other users or to Štedorix. You may terminate your account at any time by discontinuing use of the Service and, where applicable, canceling any active subscription.

14. Changes to the Service and Terms

Štedorix may modify, suspend, or discontinue any part of the Service at any time. We may also update these Terms periodically. Material changes will be communicated through the website or via email where appropriate. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Štedorix is established, without regard to conflict-of-law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction, unless otherwise required by applicable consumer protection law.

16. Severability

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

17. Contact

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

This document is a general template for informational purposes and does not constitute legal advice. Štedorix recommends consulting a qualified attorney to tailor these Terms to your specific operations and jurisdictional requirements.