Terms of Use

1. Acceptance of terms

By accessing or using the Selvanditem platform ("the Service"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, you must not access or use the Service. These Terms constitute a legally binding agreement between you and Selvanditem.

This document is a general draft template and should be reviewed by qualified legal counsel before use, to ensure it reflects your actual business practices and complies with applicable law in your jurisdiction.

2. Description of the service

Selvanditem provides a research platform intended to support advisers and professionals who prepare their own briefings and analysis. The Service is a research tool only and does not constitute financial, legal, tax, or investment advice of any kind.

• Not advice. Nothing produced or displayed by the Service should be construed as a recommendation to buy, sell, or hold any financial instrument.
• Not a substitute for judgment. Users remain solely responsible for verifying information and exercising independent professional judgment.
• No guarantee of accuracy. Outputs may contain errors, omissions, or outdated information.

3. Eligibility and accounts

You must be legally capable of entering into a binding contract to use the Service. If you register an account, you agree to provide accurate information and to keep your login credentials confidential. You are responsible for all activity that occurs under your account.

4. Acceptable use

You agree not to misuse the Service. Prohibited conduct includes, without limitation:

• Unauthorized access. Attempting to gain unauthorized access to the Service, related systems, or other users' accounts.
• Reverse engineering. Decompiling, disassembling, or otherwise attempting to extract the source code or underlying logic of the Service.
• Unlawful use. Using the Service for any purpose that is unlawful, fraudulent, or that infringes the rights of any third party.
• Automated extraction. Using bots, scrapers, or similar tools to extract data from the Service beyond what is expressly permitted.
• Redistribution. Reselling, sublicensing, or redistributing access to the Service without prior written consent.

5. Subscriptions and payment

Certain features of the Service may require a paid subscription. Where applicable, pricing, billing cycles, and renewal terms will be presented at the point of purchase. Fees are generally non-refundable except as required by applicable law or as otherwise stated at the time of purchase.

Selvanditem reserves the right to change pricing for future billing periods with reasonable prior notice.

6. Intellectual property

The Service, including its design, text, graphics, software, and underlying technology, is owned by or licensed to Selvanditem and is protected by intellectual property laws. Subject to your compliance with these Terms, Selvanditem grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for its intended purpose.

You retain ownership of any content or data you input into the Service. By submitting such content, you grant Selvanditem a limited license to process it solely for the purpose of providing and improving the Service.

7. Third-party data and content

The Service may incorporate or reference data, feeds, or content from third-party sources. Selvanditem does not control and is not responsible for the accuracy, completeness, or timeliness of third-party content, and its inclusion does not constitute an endorsement.

8. Disclaimers

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 that the Service will be uninterrupted, timely, secure, or error-free.

Selvanditem does not warrant the accuracy, completeness, or reliability of any output generated by the Service. Users are solely responsible for independently verifying any information before relying on it.

9. Limitation of liability

To the maximum extent permitted by applicable law, Selvanditem and 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 goodwill, arising out of or related to your use of, or inability to use, the Service, even if advised of the possibility of such damages.

To the extent any liability cannot be excluded under applicable law, Selvanditem's total aggregate liability arising out of or related to these Terms or the Service shall be limited to the amount paid by you, if any, for access to the Service in the twelve (12) months preceding the event giving rise to the claim.

10. Indemnification

You agree to indemnify and hold harmless Selvanditem and its affiliates from any claims, damages, liabilities, costs, or expenses (including reasonable legal fees) arising from your use of the Service, your violation of these Terms, or your infringement of any third-party rights.

11. Suspension and termination

Selvanditem reserves the right to suspend or terminate your access to the Service, at its discretion, in the event of a breach of these Terms, suspected misuse, non-payment, or for any other reason with reasonable notice where practicable. You may stop using the Service and close your account at any time.

Provisions of these Terms that by their nature should survive termination — including intellectual property rights, disclaimers, limitations of liability, and indemnification — will continue to apply after termination.

12. Changes to the service and these terms

Selvanditem may modify, suspend, or discontinue any part of the Service at any time. We may also update these Terms from time to time; material changes will be communicated through the Service or by other reasonable means. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

13. Governing law

These Terms shall be governed by and construed in accordance with the laws of the applicable jurisdiction in which Selvanditem operates, without regard to conflict of law principles. [Jurisdiction to be confirmed and inserted prior to publication.] Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts of that jurisdiction, unless otherwise required by applicable law.

14. Severability

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

15. Entire agreement

These Terms, together with any referenced policies such as our Privacy Policy, constitute the entire agreement between you and Selvanditem regarding use of the Service, and supersede any prior agreements or understandings.

16. Contact

If you have questions about these Terms, please contact us using the details provided in the footer of this site.