By accessing and using the xylithoravi website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and xylithoravi, governing your use of our financial reporting services and educational resources.

If you do not agree with any part of these terms, you must discontinue use of our services immediately. Continued use of our platform following any modifications to these terms constitutes your acceptance of such changes.

These terms apply to all users of our services, including casual visitors, registered users, and subscribers to our premium financial reporting tools. We reserve the right to modify these terms at any time, with changes becoming effective upon posting to our website.

xylithoravi provides financial reporting services, investment analysis tools, and educational content designed to assist investors in making informed decisions. Our services include market analysis, company research, portfolio tracking tools, and educational programs.

• Account Responsibility

  Users are responsible for maintaining the confidentiality of their account credentials and for all activities that occur under their account. You must notify us immediately of any unauthorized use of your account or any security breaches.

• Accurate Information

  You agree to provide accurate, current, and complete information when creating your account and to update such information as necessary to maintain its accuracy throughout your use of our services.

• Prohibited Activities

  Users may not use our services for any unlawful purpose, to transmit harmful content, to interfere with our systems, or to violate the rights of others. Commercial use of our content without explicit permission is strictly prohibited.

Our educational programs are designed to enhance financial literacy and investment knowledge. Participation in these programs does not guarantee investment success, and all investment decisions remain your sole responsibility.

All financial information, analysis, and educational content provided through xylithoravi services is for informational purposes only and should not be considered as personalized investment advice, recommendations, or solicitations to buy or sell securities.

Market data, company analysis, and investment insights are derived from sources we believe to be reliable, but we make no representation or warranty as to their accuracy, completeness, or timeliness. Financial markets are inherently volatile and unpredictable, and past performance does not indicate future results.

• Investment Risk Acknowledgment

  You acknowledge that all investments carry risk of loss, including the potential for total loss of principal. You should carefully consider your financial situation and consult with qualified financial advisors before making investment decisions.

• No Financial Advisory Relationship

  xylithoravi does not provide personalized financial advice or establish an advisory relationship through our services. Our content is educational in nature and should be used as one of many resources in your investment research process.

We strongly encourage users to conduct their own research, consider multiple sources of information, and seek professional financial advice when making investment decisions.

All content, materials, and intellectual property on the xylithoravi platform, including but not limited to text, graphics, logos, software, analysis reports, and educational materials, are owned by xylithoravi or our licensors and are protected by copyright, trademark, and other intellectual property laws.

• Limited Use License

  We grant you a limited, non-exclusive, non-transferable license to access and use our content for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works from our content without explicit written permission.

• User-Generated Content

  By submitting content to our platform, including comments, questions, or feedback, you grant xylithoravi a non-exclusive, worldwide, royalty-free license to use, modify, and distribute such content in connection with our services.

• Trademark Protection

  xylithoravi logos, trademarks, and service marks are proprietary to xylithoravi. Use of these marks without our express written consent is strictly prohibited and may constitute trademark infringement.

Respect for intellectual property rights is fundamental to our business. We take violations seriously and will pursue appropriate legal remedies for unauthorized use of our content or trademarks.

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms an integral part of these Terms of Use. We are committed to protecting your personal data in accordance with applicable privacy laws and regulations.

• Data Collection and Use

  We collect personal information necessary to provide our services, improve user experience, and communicate with you about our offerings. This includes account information, usage data, and preferences you share with us.

• Third-Party Services

  Our platform may integrate with third-party services for analytics, payment processing, and enhanced functionality. These integrations are governed by the respective privacy policies of those service providers.

• Data Security

  We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no system is completely secure, and we cannot guarantee absolute security.

You have rights regarding your personal data, including the right to access, correct, or delete information we hold about you, subject to applicable legal requirements.

We strive to provide reliable, continuous access to our services, but we cannot guarantee uninterrupted availability. Our services may be temporarily unavailable due to maintenance, technical issues, or circumstances beyond our control.

• Service Modifications

  We reserve the right to modify, suspend, or discontinue any aspect of our services at any time, with or without notice. We may add new features, change existing functionality, or remove services as we deem appropriate for business reasons.

• Maintenance and Updates

  Regular maintenance and updates are necessary to ensure optimal performance and security. We will make reasonable efforts to schedule maintenance during off-peak hours and provide advance notice when possible.

While we aim to minimize service disruptions, users acknowledge that temporary unavailability may occur and agree that xylithoravi shall not be liable for any inconvenience or losses resulting from such interruptions.

To the maximum extent permitted by applicable law, xylithoravi disclaims all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. Our services are provided "as is" without warranty of any kind.

• Liability Limitations

  xylithoravi shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of our services.

• Maximum Liability

  Our total liability to you for any claims arising from these terms or your use of our services shall not exceed the amount you have paid to xylithoravi in the twelve months preceding the claim.

• Investment Loss Disclaimer

  xylithoravi is not responsible for any investment losses you may incur based on information or analysis provided through our services. Investment decisions are your sole responsibility, and you bear all associated risks.

These limitations apply regardless of the theory of liability and even if xylithoravi has been advised of the possibility of such damages. Some jurisdictions may not allow certain limitations, in which case our liability shall be limited to the maximum extent permitted by law.

Either party may terminate these terms at any time. You may discontinue using our services and close your account through your account settings or by contacting our support team. We may suspend or terminate your account for violations of these terms or for any reason at our discretion.

• Immediate Termination

  We reserve the right to immediately suspend or terminate your access if we reasonably believe you have violated these terms, engaged in fraudulent activity, or posed a security risk to our platform or other users.

• Effect of Termination

  Upon termination, your right to access and use our services ceases immediately. Provisions of these terms that by their nature should survive termination shall remain in effect, including intellectual property rights, disclaimers, and limitation of liability.

We may, but are not obligated to, provide you with a backup of your account data upon termination, subject to applicable law and technical feasibility.