Legal
Terms and Conditions
These Terms and Conditions ("Terms") govern access to and use of the Albioncredmere website, tools, and any related services (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms. This is a general draft template and should be reviewed and adapted to reflect your specific business practices and applicable law before use.
1. Acceptance of Terms
By creating an account, browsing the site, or otherwise using any part of the Service, you confirm that you have read, understood, and agree to these Terms, together with our Privacy Policy. If you do not agree with any part of these Terms, you must discontinue use of the Service immediately.
2. Description of Service
Albioncredmere provides predictive, AI-assisted informational tools intended to support decision-making related to investment research and planning. The Service is provided for informational purposes only and does not constitute financial, legal, tax, or investment advice. Nothing presented within the Service should be interpreted as a recommendation to buy, sell, or hold any particular asset.
3. No Guarantee of Results
Outputs generated by the Service are based on historical data, statistical modeling, and probabilistic assumptions. Past performance, backtested results, or modeled scenarios are not indicative of future outcomes. Albioncredmere makes no representation or warranty, express or implied, regarding the accuracy, completeness, or reliability of any output, and expressly disclaims any guarantee of profit or avoidance of loss.
- EligibilityYou must be of legal age in your jurisdiction and have the legal capacity to enter into a binding agreement to use the Service.
- Account SecurityYou are responsible for maintaining the confidentiality of any login credentials and for all activity occurring under your account.
- Acceptable UseYou agree not to misuse, reverse-engineer, scrape, or interfere with the normal operation of the Service.
- Third-Party ToolsThe Service may integrate with or reference third-party platforms; Albioncredmere does not control and is not responsible for those third-party services.
4. User Responsibilities
Use of the Service requires that you act in accordance with applicable laws and with reasonable diligence regarding your own financial decisions.
Independent Judgment
Any decision made using information obtained through the Service is made at your own discretion and risk. You are strongly encouraged to consult a qualified, independent financial or legal advisor before acting on any information provided.
Accurate Information
You agree to provide accurate, current, and complete information where required to access features of the Service, and to update such information as necessary.
Prohibited Conduct
You may not use the Service for unlawful purposes, to infringe on the rights of others, or to attempt unauthorized access to systems, data, or accounts belonging to Albioncredmere or third parties.
5. Intellectual Property
All content, software, designs, text, graphics, and other materials made available through the Service are the property of Albioncredmere or its licensors and are protected by applicable intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal or internal business use. You may not copy, reproduce, distribute, modify, or create derivative works from any part of the Service without prior written consent from Albioncredmere.
6. Fees and Payment
Where the Service includes paid features, the following general terms apply. Specific pricing, billing cycles, and refund conditions, if applicable, will be presented separately at the point of purchase.
- BillingFees, where applicable, are charged in accordance with the plan or offering selected at the time of purchase and are subject to change with reasonable prior notice.
- RefundsUnless otherwise stated at the point of sale or required by applicable law, fees are generally non-refundable once services have been rendered or access has been granted.
- TaxesYou are responsible for any applicable taxes, duties, or charges imposed by relevant authorities in connection with your use of paid features.
7. Limitation of Liability
To the maximum extent permitted by applicable law, Albioncredmere shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or other intangible losses, resulting from your access to or use of, or inability to access or use, the Service.
Risk Acknowledgment
Investment activities, including those informed by predictive tools, carry inherent risk, including the possible loss of principal. You acknowledge that Albioncredmere does not manage assets on your behalf and bears no responsibility for the outcome of decisions made using the Service.
Service Availability
Albioncredmere does not warrant that the Service will be uninterrupted, error-free, or free of harmful components. The Service is provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied.
8. Indemnification
You agree to indemnify, defend, and hold harmless Albioncredmere, its officers, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your access to or use of the Service, your violation of these Terms, or your violation of any rights of a third party.
9. Termination
Albioncredmere reserves the right to suspend or terminate your access to the Service, at its sole discretion and without prior notice, for conduct that violates these Terms, applicable law, or is otherwise harmful to the interests of Albioncredmere or other users. You may discontinue use of the Service at any time.
10. Changes to the Service and Terms
Albioncredmere may modify, suspend, or discontinue any part of the Service at any time. These Terms may be updated periodically; continued use of the Service after changes take effect constitutes acceptance of the revised Terms. Material changes will be indicated by an updated "last revised" date where applicable.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Albioncredmere is registered, without regard to conflict-of-law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction, subject to applicable mandatory consumer protection law.
12. Severability
If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
13. Contact
Questions regarding these Terms may be directed through the contact details provided on the Contact page of this website.