By accessing or using this website, you confirm that you have read, understood, and agree to these Terms. If you use the site on behalf of an organisation, you confirm you are authorised to accept these Terms for that organisation. [Owner to confirm final wording before use.]
01 — Acceptance and changes
1. Agreement to these Terms
1.1. These Terms govern your access to and use of the Negoluz website, including all pages, text, visuals, and analytical materials made available through it.
1.2. We may update these Terms from time to time. The version published on this page at the time of your visit applies. Material changes will be indicated by updating the [Last updated] reference above. Continued use after publication constitutes acceptance of the updated Terms.
1.3. Where additional notices, policies, or disclaimers are displayed on specific pages, those notices form part of these Terms for that content.
02 — Services and informational nature
2. What Negoluz provides
2.1. Negoluz provides general information and AI-assisted analytical content intended to support strategic, financial, and investment research.
2.2. All content is for general information purposes only and does not constitute financial advice, investment recommendation, offer, solicitation, legal advice, or any other professional advice. You should not make decisions solely in reliance on site content.
2.3. Outputs may be automated, incomplete, or out of date. You are responsible for independently verifying accuracy, completeness, and suitability before acting.
03 — Access and acceptable use
3. Your responsibilities
3.1. You agree to use the site in compliance with applicable laws and these Terms, and not to:
- Use the site for any unlawful, misleading, harmful, or abusive purpose;
- Interfere with, disrupt, or attempt to gain unauthorised access to the site, servers, or related systems;
- Misrepresent affiliation with Negoluz or present site content as your own without attribution where required;
- Introduce malicious code, or collect personal data of others in violation of applicable rules;
- Use automated means to access the site in a manner that imposes unreasonable load or circumvents technical measures.
3.2. We may restrict or suspend access where we reasonably consider use to breach these Terms or to pose a security or operational risk. [Owner to define access / account procedures, if any.]
04 — Intellectual property
4. Ownership and limited licence
4.1. Unless otherwise stated, the site design, text, graphics, and layout are owned by or licensed to the site operator and are protected by applicable intellectual property rules.
4.2. You are granted a limited, non-exclusive, non-transferable licence to view and use content for personal, internal, and non-commercial research purposes.
4.3. You may not reproduce, republish, redistribute, or create derivative works from substantial portions of the site without prior written permission, except where permitted by applicable law or with proper citation for brief excerpts for review or commentary.
05 — Third-party content and links
5. External sources
5.1. The site may reference third-party data, publications, or websites for context. Such references do not imply endorsement, accuracy, or ongoing affiliation.
5.2. Third-party sites are governed by their own terms and policies. You access them at your own discretion and risk.
06 — No warranties
6. Disclaimer
6.1. The site and its content are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied, to the fullest extent permitted by applicable law.
6.2. Without limiting the above, we do not warrant that the site will be uninterrupted, error-free, secure, or free of harmful components, or that analytical outputs will be accurate, complete, current, or fit for any particular purpose.
07 — Liability
7. Limitation of liability
7.1. To the maximum extent permitted by applicable law, neither the site operator nor its contributors shall be liable for any indirect, incidental, consequential, special, or exemplary loss, including loss of profit, revenue, data, or goodwill, arising from use of, inability to use, or reliance on the site.
7.2. Nothing in these Terms limits liability that cannot be limited under applicable law, including liability for fraud or for death or personal injury caused by negligence where such limitation is not permitted.
7.3. [Owner to insert any aggregate liability cap or governing-law-specific wording after independent legal review, if required.]
08 — Indemnity and termination
8. Indemnity, suspension, and termination
8.1. You agree to be responsible for your use of the site and to indemnify the operator against reasonable losses arising from your material breach of these Terms or misuse of content, to the extent permitted by applicable law.
8.2. We may update, suspend, or discontinue any part of the site at any time for operational, security, or maintenance reasons.
8.3. Sections concerning intellectual property, disclaimers, liability, and general provisions survive termination or discontinuation of access.
09 — General provisions
9. Contact, governing principles, and severability
9.1. For questions about these Terms, please use the contact options on the Contact page. [Owner to confirm preferred contact channel.]
9.2. If any provision of these Terms is found unenforceable, the remaining provisions continue in full effect, and the unenforceable provision shall be interpreted to reflect the parties’ intent to the extent possible.
9.3. [Governing law and dispute resolution — to be completed by owner after independent legal advice. Do not assume a jurisdiction from this template.]
9.4. These Terms, together with any policies expressly incorporated by reference (for example, Privacy), constitute the general framework for use of this site. [Owner to list applicable policies.]
