Terms and Conditions

1. Acceptance of Terms

By accessing, registering for, or otherwise using the Yaravi Patrimivo platform ("the Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree with any part of these Terms, you should not access or use the Service. Continued use of the Service following any update to these Terms constitutes acceptance of the revised Terms.

2. Description of the Service

Yaravi Patrimivo provides an AI-driven data analysis and decision-support platform intended for investors and institutional users who require statistically rigorous outputs alongside documentation designed to support regulatory review. The Service is provided on an "as is" and "as available" basis, and Yaravi Patrimivo makes no representation that outputs generated by the platform constitute financial, investment, legal, or tax advice.

3. Eligibility and Account Registration

To access certain features of the Service, you may be required to register for an account and provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Yaravi Patrimivo reserves the right to suspend or terminate accounts that provide false information or that are used in violation of these Terms.

4. Acceptable Use

You agree not to use the Service to:

— Engage in any unlawful, fraudulent, or unauthorized activity;
— Reverse-engineer, decompile, or attempt to extract the underlying models, algorithms, or source code of the platform;
— Resell, sublicense, or redistribute access to the Service without prior written consent;
— Upload data that you do not have the legal right to use, or that infringes the rights of any third party;
— Interfere with or disrupt the integrity or performance of the Service or its underlying infrastructure.

5. No Investment or Financial Advice

Outputs, analyses, scores, and recommendations generated by Yaravi Patrimivo are informational in nature and are intended to support, not replace, independent professional judgment. Yaravi Patrimivo does not act as a financial advisor, broker, or fiduciary, and nothing within the Service should be construed as a solicitation or recommendation to buy, sell, or hold any financial instrument. Users remain solely responsible for any investment or business decisions made in reliance on outputs from the Service.

6. Subscription, Fees, and Payment

Access to certain features of the Service may require payment of subscription or usage-based fees, as described separately at the point of sale or in a commercial agreement. Fees are generally non-refundable except where required by applicable law or expressly stated otherwise. Yaravi Patrimivo reserves the right to modify pricing with reasonable advance notice.

7. Data and Confidentiality

Data submitted to the platform is handled in accordance with our Privacy Policy. Both parties agree to treat non-public information shared in connection with the Service as confidential and to use it solely for the purposes of operating or using the Service, except where disclosure is required by law or regulatory authority.

8. Intellectual Property

All rights, title, and interest in and to the Service, including any underlying software, models, documentation, and branding, remain the exclusive property of Yaravi Patrimivo or its licensors. These Terms do not grant you any ownership rights in the Service; they grant only a limited, non-exclusive, non-transferable right to use the Service in accordance with these Terms.

9. Service Availability and Modifications

Yaravi Patrimivo may modify, suspend, or discontinue any part of the Service at any time, with or without notice, for reasons including maintenance, security, or changes to business operations. Yaravi Patrimivo does not guarantee uninterrupted or error-free operation of the Service.

10. Disclaimer of Warranties

To the fullest extent permitted by applicable law, the Service is provided without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. Yaravi Patrimivo does not warrant that outputs generated by the platform will be free of errors or omissions.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Yaravi Patrimivo shall not be liable for any indirect, incidental, consequential, special, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or in connection with your use of, or inability to use, the Service, even if advised of the possibility of such damages. Yaravi Patrimivo's aggregate liability for any claim arising under these Terms shall not exceed the amount paid by you for the Service during the twelve (12) months preceding the claim.

12. Indemnification

You agree to indemnify and hold harmless Yaravi Patrimivo, its affiliates, and their respective representatives from and against any claims, damages, liabilities, and expenses arising out of your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

13. Termination

Yaravi Patrimivo reserves the right to suspend or terminate access to the Service, with or without notice, in the event of a breach of these Terms, suspected fraudulent or unlawful activity, or non-payment of applicable fees. Upon termination, your right to use the Service will cease immediately; provisions of these Terms that by their nature should survive termination shall continue to apply.

14. Changes to These Terms

Yaravi Patrimivo may update these Terms from time to time to reflect changes in the Service, legal requirements, or business practices. Material changes will be indicated by updating the "Last updated" date above. Continued use of the Service after such changes constitutes your acceptance of the revised Terms.

15. Governing Law and Disputes

These Terms shall be governed by the laws applicable in the jurisdiction in which Yaravi Patrimivo operates, without regard to conflict-of-law principles. Any disputes arising under these Terms will first be addressed through good-faith negotiation between the parties; the specific forum and dispute-resolution mechanism should be defined according to Yaravi Patrimivo's actual operating jurisdiction and inserted into this section accordingly.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect, and the invalid or unenforceable provision shall be deemed modified to the minimum extent necessary to make it enforceable.

17. Contact

Questions regarding these Terms should be directed to Yaravi Patrimivo through the contact details provided on our website or within your service agreement.