Terms and Conditions

1. Acceptance of Terms

By accessing or using the Fum de Llum website (the "Site"), you confirm that you have read, understood, and agree to be bound by these Terms, together with our Privacy Policy. If you do not agree with any part of these Terms, you must discontinue use of the Site immediately.

2. Nature of the Service

Fum de Llum provides AI-driven data analysis, modeling, and informational content related to long-term portfolio decision support. The Service is designed to assist users in organizing and interpreting information. It does not constitute personalized financial, investment, tax, or legal advice, and no output generated by the Service should be construed as a recommendation to buy, sell, or hold any specific asset.

You remain solely responsible for any decisions made using information obtained from the Service, and you should consult a qualified, independent professional before making financial commitments.

3. Eligibility

You must be of legal age in your jurisdiction of residence to use the Service. By using the Site, you represent that you have the legal capacity to enter into a binding agreement under these Terms.

4. Account and User Responsibilities

Where registration or submission of information is required to access certain features, you agree to provide accurate and current information. You are responsible for maintaining the confidentiality of any credentials associated with your use of the Service and for all activity that occurs in connection with them.

5. Acceptable Use

You agree not to: (a) use the Service for any unlawful purpose; (b) attempt to reverse-engineer, decompile, or extract underlying models or source code; (c) interfere with or disrupt the integrity or performance of the Site; (d) use automated means to scrape or extract data from the Site without prior written consent; or (e) misrepresent your identity or affiliation when using the Service.

6. Intellectual Property

All content, design elements, text, graphics, methodology descriptions, and other materials made available through the Site are the property of Fum de Llum or its licensors and are protected by applicable intellectual property laws. No license is granted to you other than a limited, revocable, non-exclusive right to access the Site for personal, non-commercial use, unless otherwise agreed in writing.

7. No Financial Advice Disclaimer

Nothing on this Site constitutes an offer, solicitation, or recommendation to engage in any particular financial transaction or strategy. All analysis, projections, and modeling outputs are provided for general informational purposes only and are based on data, assumptions, and methodologies that may not reflect future conditions or your individual circumstances. Past performance or historical modeling accuracy is not indicative of future results.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Fum de Llum and its affiliates, officers, employees, and partners shall not be liable for any indirect, incidental, consequential, special, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or in connection with your use of, or inability to use, the Service, even if advised of the possibility of such damages.

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 accuracy, completeness, merchantability, or fitness for a particular purpose.

9. Third-Party Links and Content

The Site may contain links to third-party websites or reference third-party data sources. Fum de Llum does not control and is not responsible for the content, accuracy, or practices of any third-party resources, and inclusion of such links does not imply endorsement.

10. Modifications to the Service and Terms

Fum de Llum reserves the right to modify, suspend, or discontinue any part of the Service at any time without prior notice. We may also revise these Terms periodically; material changes will be reflected by an updated effective date. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

11. Termination

We may suspend or terminate your access to the Service at our discretion, without notice, if we believe you have violated these Terms or engaged in conduct that we determine to be harmful to the Service, other users, or Fum de Llum.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Fum de Llum operates, without regard to conflict-of-law principles. This section is provided as a general placeholder and should be reviewed and finalized to reflect the specific jurisdiction applicable to your operations.

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, and the remaining provisions will continue in full force and effect.

14. Contact

Questions regarding these Terms may be directed through the contact options listed on our Contact page.

This document is a general template provided for informational structuring purposes and does not constitute legal advice. It should be reviewed by qualified legal counsel before being relied upon as a binding agreement.