Terms and Conditions
These Terms and Conditions ("Terms") govern access to and use of the Cristal Patrimao website and platform ("Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, you must not use the Service.
Last updated: this is a general draft template and should be reviewed and adapted before publication.
This document is a generic template provided for structural reference only. It does not constitute legal advice and has not been reviewed for compliance with any specific jurisdiction. Replace all bracketed or illustrative content with details that are accurate for your organisation before use.
1. About the Service
Cristal Patrimao provides data analysis and research tools intended to help systematic investors evaluate market entry timing and related information. The Service is informational in nature. Cristal Patrimao does not provide regulated financial advice, portfolio management, or brokerage services, and nothing on the Service should be construed as a recommendation to buy, sell, or hold any financial instrument.
2. Eligibility
By using the Service, you represent that you have the legal capacity to enter into a binding agreement and that you are permitted to use tools of this nature under the laws applicable to you. You are responsible for ensuring that your use of the Service complies with all laws and regulations relevant to your jurisdiction.
3. Account Registration
Certain features of the Service may require you to register for an account. You agree to provide accurate and current information, to keep your login credentials confidential, and to notify Cristal Patrimao promptly of any unauthorized use of your account. Cristal Patrimao is not liable for any loss arising from your failure to safeguard your credentials.
4. Acceptable Use
You agree not to misuse the Service. This includes, without limitation, agreeing not to:
- Attempt to gain unauthorized access to any part of the Service or its underlying systems;
- Reverse engineer, decompile, or otherwise attempt to extract the source code of the Service;
- Use the Service to transmit unlawful, harmful, or infringing content;
- Resell, sublicense, or redistribute access to the Service without prior written consent;
- Interfere with or disrupt the integrity or performance of the Service.
5. No Financial Advice
All outputs, analyses, charts, and other materials made available through the Service are provided for informational and educational purposes only. They are generated from historical and/or modelled data and do not account for your individual financial circumstances, objectives, or risk tolerance. You should seek independent, qualified advice before making any investment decision. Capital is at risk, and past performance is not a reliable indicator of future results.
6. Fees and Payments
Where the Service includes paid plans, applicable fees, billing cycles, and renewal terms will be presented to you at the point of purchase. Cristal Patrimao reserves the right to modify its pricing on a prospective basis, with reasonable notice provided for existing subscribers where applicable.
7. Intellectual Property
All content, software, trademarks, and materials associated with the Service are the property of Cristal Patrimao or its licensors and are protected by applicable intellectual property laws. Except as expressly permitted, no part of the Service may be copied, modified, or distributed without prior written permission.
8. Third-Party Services
The Service may reference, link to, or integrate with third-party tools, data providers, or platforms. Cristal Patrimao does not control and is not responsible for the content, accuracy, or availability of any third-party service, and inclusion of such references does not imply endorsement.
9. Disclaimers
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, accuracy, or non-infringement. Cristal Patrimao does not warrant that the Service will be uninterrupted, error-free, or free of harmful components.
10. Limitation of Liability
To the maximum extent permitted by applicable law, Cristal Patrimao, its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or trading losses, arising out of or related to 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 Cristal Patrimao and its affiliates from any claims, liabilities, damages, losses, and expenses arising from your use of the Service or your violation of these Terms.
12. Termination
Cristal Patrimao reserves the right to suspend or terminate your access to the Service at its discretion, with or without notice, including in cases of suspected violation of these Terms. You may discontinue use of the Service at any time.
13. Changes to the Service and Terms
Cristal Patrimao may modify, suspend, or discontinue any part of the Service at any time. These Terms may also be updated periodically to reflect changes in the Service or applicable legal requirements. Continued use of the Service following any update 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 Cristal Patrimao operates, without regard to conflict-of-law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts of that jurisdiction, unless otherwise required by mandatory local law.
15. 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.
16. Contact
Questions regarding these Terms can be directed through the contact channels listed on the Cristal Patrimao website.