Terms and Conditions

1. Acceptance of Terms

By accessing or using the Clanrefin website ("Site") or any associated services (collectively, the "Services"), you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use the Site or Services. These Terms apply to all visitors, users, and others who access or use the Services.

2. Description of Services

Clanrefin provides data analysis and decision-support tools intended to assist businesses and investors in evaluating and optimizing the use of idle or underutilized capital. The Services are informational and analytical in nature. Clanrefin does not provide financial, investment, tax, or legal advice, and nothing on the Site should be construed as such. Any decisions made based on information or outputs provided through the Services are made at the sole discretion and risk of the user.

3. Eligibility and Account Responsibilities

You must be legally capable of entering into binding contracts to use the Services. If you create an account or submit information through the Site, you are responsible for ensuring the accuracy of the information provided and for maintaining the confidentiality of any credentials associated with your access. Clanrefin is not liable for any loss arising from unauthorized use of your account resulting from your failure to safeguard your access credentials.

4. Acceptable Use

You agree not to use the Site or Services to:

• Violate any applicable local, national, or international law or regulation.
• Transmit any material that is unlawful, harmful, fraudulent, or infringing on the rights of others.
• Attempt to gain unauthorized access to any systems, servers, or networks connected to the Services.
• Interfere with or disrupt the integrity or performance of the Site or Services.
• Reverse engineer, decompile, or otherwise attempt to extract the source code of any software underlying the Services.

Clanrefin reserves the right to suspend or terminate access for any user found to be in violation of these restrictions.

5. Intellectual Property

All content on the Site, including text, graphics, logos, software, and methodology descriptions, is the property of Clanrefin or its licensors and is protected by applicable intellectual property laws. No part of the Site or Services may be reproduced, distributed, or republished without prior written consent from Clanrefin, except as permitted for personal, non-commercial use.

6. No Financial Advice Disclaimer

Nothing provided through the Site or Services constitutes financial, investment, legal, or tax advice. Any analysis, insight, or output generated through Clanrefin's tools is for informational purposes only and should not be the sole basis for any financial or business decision. Users should consult with appropriately qualified professionals before making decisions involving capital allocation or investment.

7. Third-Party Links and Services

The Site may contain links to third-party websites or services that are not owned or controlled by Clanrefin. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. Use of any third-party resources is at your own risk.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Clanrefin and its affiliates, officers, employees, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities, arising from your use of or inability to use the Site or Services, even if advised of the possibility of such damages. The Services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.

9. Indemnification

You agree to indemnify and hold harmless Clanrefin and its representatives from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of or related to your use of the Site or Services, your violation of these Terms, or your infringement of any rights of a third party.

10. Termination

Clanrefin reserves the right to suspend or terminate your access to the Site or Services at any time, without notice, for conduct that we believe violates these Terms, is harmful to other users, or is otherwise damaging to our business interests. Upon termination, all provisions of these Terms which by their nature should survive termination shall continue to apply.

11. Changes to the Terms

Clanrefin may revise these Terms from time to time. The updated version will be indicated by a revised "Last updated" date and will become effective as soon as it is accessible on the Site. Your continued use of the Services after any changes constitutes acceptance of the revised Terms. We encourage you to review this page periodically.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Clanrefin 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, unless otherwise required by mandatory local law.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision will be limited or eliminated to the minimum extent necessary so that the remaining Terms will otherwise remain in full force and effect.

14. Contact Information

If you have any questions regarding these Terms, please reach out via the contact details provided on our Contact page.