1. Acceptance of Terms

By accessing, browsing, or using the Factfoliopedia platform ("Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, you may not use our services.

These Terms constitute a legally binding agreement between you and Factfoliopedia. Your use of our Service is also governed by our Privacy Policy, which is incorporated by reference into these Terms.

We may modify these Terms at any time, and such modifications will be effective immediately upon posting. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms.

2. Description of Service

Factfoliopedia provides an AI-powered financial information platform that offers access to financial data, market information, and regulatory content. Our services include:

• Rapid Search Capabilities: Advanced AI-powered search across financial markets, instruments, regulations, and related documentation
• Source Comparison: Side-by-side comparison and verification of information from multiple authoritative sources
• Citation Transparency: Complete citation trails and source attribution for all information provided
• Regulatory Compliance: Up-to-date information on regulatory requirements and compliance frameworks across global jurisdictions
• API Access: Programmatic access to our data and services for institutional users and developers
• Professional Tools: Specialized features designed for financial professionals, researchers, and institutions
• Data Analytics: Advanced analytics and reporting capabilities for enterprise users
• Custom Integration: Tailored solutions for institutional clients with specific requirements

Important Disclaimer: Factfoliopedia provides factual information and data aggregation services only. We do not provide financial advice, investment recommendations, or professional consultation services.

3. User Accounts and Registration

To access certain features of our platform, you must create an account. By creating an account, you agree to:

• Accurate Information: Provide accurate, current, and complete information during the registration process
• Information Maintenance: Maintain and promptly update your account information to keep it accurate and current
• Security: Keep your login credentials secure and confidential, and not share them with any third party
• Notification: Notify us immediately of any unauthorized use of your account or any other breach of security
• Responsibility: Accept full responsibility for all activities that occur under your account
• Age Requirement: Confirm that you are at least 18 years of age or the age of majority in your jurisdiction
• Professional Use: Use the account primarily for legitimate professional or business purposes
• Compliance: Comply with all applicable laws and regulations in your use of the Service
• Single Account: Maintain only one account unless specifically authorized by us for multiple accounts

We reserve the right to suspend or terminate accounts that violate these requirements or our policies.

4. Subscription and Payment Terms

Subscription Plans

We offer various subscription tiers with different features, usage limits, and pricing structures. Subscription fees are charged in advance on a monthly or annual basis as selected during signup. Each plan includes specific features and usage allowances as described on our pricing page.

Payment Processing

• Payment Authorization: You authorize us to charge your designated payment method for all applicable fees and charges
• Automatic Renewal: Subscriptions automatically renew at the end of each billing period unless cancelled
• Payment Methods: We accept major credit cards, ACH transfers, and other payment methods as specified
• Failed Payments: Service may be suspended if payment fails; additional fees may apply for failed payment processing
• Currency: All fees are charged in US Dollars unless otherwise specified
• Taxes: You are responsible for all applicable taxes, duties, and governmental charges

Refunds and Cancellation

• Refund Policy: All fees are generally non-refundable except as required by law or as specifically stated in these Terms
• Cancellation: You may cancel your subscription at any time through your account settings or by contacting support
• Effective Date: Cancellation takes effect at the end of your current billing period
• Data Access: You retain access to your data during the remainder of your paid period
• Pro-rata Refunds: We do not provide pro-rata refunds for partial billing periods

Price Changes

We reserve the right to modify our pricing at any time. Price changes for existing subscribers will be communicated with at least 30 days advance notice and will take effect at the next billing cycle.

5. Acceptable Use Policy

You agree to use our Service in compliance with all applicable laws and regulations. You agree not to:

• Legal Violations: Violate any applicable laws, regulations, or third-party rights
• Harmful Content: Distribute malware, spam, viruses, or other harmful or malicious content
• Unauthorized Access: Attempt to gain unauthorized access to our systems, networks, or user accounts
• Service Disruption: Interfere with, disrupt, or impose unreasonable loads on our services or infrastructure
• Automated Access: Use automated systems, bots, or scripts to access our platform without explicit permission
• Content Redistribution: Resell, redistribute, or sublicense our content without proper authorization
• Illegal Activities: Use our services for any illegal, fraudulent, or unauthorized activities
• Reverse Engineering: Reverse engineer, decompile, or attempt to extract source code from our platform
• Data Mining: Systematically extract data for commercial purposes without authorization
• Impersonation: Impersonate any person or entity or misrepresent your affiliation
• Security Testing: Conduct security testing or vulnerability assessments without prior written consent

Violation of this Acceptable Use Policy may result in immediate suspension or termination of your account.

6. Intellectual Property Rights

The Factfoliopedia platform, including all content, features, functionality, software, and design elements, is owned by us and protected by copyright, trademark, patent, and other intellectual property laws.

Our Rights

• All proprietary technology, algorithms, and software used in our Service
• Our trademarks, service marks, logos, and brand elements
• Compiled data, analytics, and derived insights from our platform
• User interface design, layout, and user experience elements

Your License

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use our services for your personal or business purposes. This license does not include the right to:

• Modify, copy, or create derivative works of our platform
• Distribute, sell, or sublicense access to our services
• Use our intellectual property for competitive purposes
• Remove or alter any proprietary notices or labels

User Content

You retain ownership of any content you submit to our platform. By submitting content, you grant us a worldwide, royalty-free license to use, store, and process such content solely for the purpose of providing our services.

7. Disclaimer of Financial Advice

IMPORTANT DISCLAIMER: Factfoliopedia provides factual information and data aggregation services only. Our platform does not provide and should not be construed as providing:

• Financial Advice: Investment recommendations, financial planning, or advisory services
• Professional Consultation: Legal, accounting, tax, or other professional advice
• Investment Recommendations: Suggestions to buy, sell, or hold any financial instruments
• Market Predictions: Forecasts about market performance or investment outcomes
• Personalized Guidance: Advice tailored to your specific financial situation
• Regulatory Advice: Legal interpretation of regulations or compliance requirements
• Risk Assessment: Evaluation of investment risks or suitability
• Due Diligence: Complete analysis for investment or business decisions

You should consult with qualified financial, legal, and other professional advisors before making any investment, financial, or business decisions. All information provided is for informational purposes only and should not be relied upon as the sole basis for any decision.

8. Data Accuracy and Availability

While we strive to provide accurate and up-to-date information, we cannot guarantee:

• Information Accuracy: The accuracy, completeness, or timeliness of all information provided
• Service Availability: Uninterrupted availability of our services or any specific features
• Error-Free Operation: That our platform will operate without errors, bugs, or technical issues
• Data Completeness: That all relevant information is included in our database
• Real-Time Updates: That all information is updated in real-time
• Third-Party Content: The accuracy of information obtained from third-party sources
• System Performance: Consistent response times or processing speeds
• Compatibility: Compatibility with all devices, browsers, or operating systems

You acknowledge that financial markets and regulations change rapidly, and information may become outdated. You are responsible for verifying the accuracy and currency of any information before relying on it.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Factfoliopedia and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Business interruption or downtime
• Investment losses or financial damages
• Reputational harm or damage
• Cost of substitute services or products
• Legal fees or litigation costs
• Regulatory fines or penalties

Our total liability for any claims arising from these Terms or your use of our services shall not exceed the amount you paid us in the twelve months preceding the claim, or $100, whichever is greater.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so these limitations may not apply to you.

10. Indemnification

You agree to indemnify, defend, and hold harmless Factfoliopedia and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from or relating to:

• Your use of our services or violation of these Terms
• Your violation of any applicable laws or regulations
• Your violation of any third-party rights
• Any content you submit or transmit through our platform
• Your negligent or wrongful conduct

11. Termination

We may terminate or suspend your account and access to our services at any time, with or without notice, for conduct that we believe:

• Violates these Terms or our policies
• Is harmful to other users, us, or third parties
• Violates applicable laws or regulations
• Creates legal liability or regulatory risk
• Involves fraudulent or deceptive practices

Upon termination, your right to use our services ceases immediately. We may delete your account and data, though we may retain certain information as required by law or for legitimate business purposes.

You may terminate your account at any time by following the cancellation procedures in your account settings or contacting our support team.

12. Governing Law and Disputes

These Terms are governed by and construed in accordance with the laws of the State of Arizona, United States, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration administered by the American Arbitration Association in Phoenix, Arizona, in accordance with its Commercial Arbitration Rules.

You waive any right to participate in class action lawsuits or class-wide arbitration against us. However, this arbitration provision does not apply to claims that may be brought in small claims court.

13. Miscellaneous Provisions

Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and us regarding your use of our services.

Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will remain in full force and effect.

Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

Assignment

You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction.

Force Majeure

We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, government actions, or technical failures.

14. Contact Information

If you have any questions about these Terms of Service or need to contact us regarding your account, please reach out through the following channels:

Legal Department

legal@factfoliopedia.com

For terms, legal, and compliance inquiries

Customer Support

+1 602 539 4079

Available Monday-Friday, 9 AM - 6 PM MST

Corporate Address

Factfoliopedia Legal Department
4110 N 47th St
Phoenix, AZ 85018
USA

We will respond to your inquiry within 5 business days of receipt.