Terms and Conditions

Acceptance of Terms

By accessing and using the services provided by Visionvibe Financial Analytics Inc., you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.

If you do not agree with any part of these terms, please do not use our website or services. Continued use indicates acceptance of these terms as they may be modified from time to time.

Definitions

For the purpose of these terms, the following definitions apply:

• "Services" : Refers to our financial analysis, market insights, consultation services, and related content provided through our platform.
• "User" or "Client" : Any individual or entity that accesses or uses our website, services, or content.
• "Content" : All information, analysis, reports, text, graphics, and materials provided through our services.
• "Platform" : Our website, mobile applications, and any other digital channels through which we provide services.

Use of Our Services

Your use of our services is subject to the following conditions:

Permitted Uses

• Access and use our analytical services for personal financial decision-making purposes
• Download and retain copies of analysis reports for your personal use
• Contact our team for clarification or additional information about our analysis

Prohibited Uses

• Redistribute, resell, or share our proprietary analysis with unauthorized parties
• Use automated systems to access or download content without permission
• Attempt to reverse engineer or copy our analytical methodologies
• Use our services for any illegal or unauthorized purpose

User Responsibilities

As a user of our services, you are responsible for:

• Providing accurate and complete information when requested for analysis purposes
• Maintaining the confidentiality of your account credentials and access information
• Using our analysis as one factor among many in your decision-making process
• Complying with all applicable laws and regulations in your jurisdiction

Intellectual Property Rights

All content, analysis methodologies, reports, and materials provided through our services are protected by copyright and other intellectual property laws.

You are granted a limited, non-exclusive license to use our content for personal purposes only. Commercial use or redistribution is prohibited without written permission.

Payment Terms and Conditions

The following terms apply to all paid services:

• Subscription fees are billed monthly or annually as selected, with prices inclusive of applicable taxes
• Payment is due in advance and services may be suspended for non-payment after appropriate notice
• Refunds are provided only in specific circumstances as outlined in our refund policy
• Representative APR for financing options: 19.9% (where applicable), subject to credit approval

Termination of Services

Either party may terminate this agreement with appropriate notice. You may cancel your subscription at any time through your account settings or by contacting our support team.

We reserve the right to suspend or terminate accounts for violation of these terms, non-payment, or other legitimate business reasons.

Upon termination, your access to services will cease, though you may retain analysis reports received during your subscription period.

Limitation of Liability

Our liability for any claims arising from your use of our services is limited to the amount you have paid for services in the preceding twelve months.

We are not liable for any indirect, consequential, or punitive damages arising from your use of our services or reliance on our analysis.

Dispute Resolution

For complaint resolution, we participate in alternative dispute resolution processes.

Indemnification

Users agree to indemnify and hold Visionvibe Financial Analytics harmless from any claims, damages, or legal issues arising from their use of our services or violation of these terms.

Governing Law and Jurisdiction

These terms are governed by Canadian law and the laws of the Province of Ontario, without regard to conflict of law principles.

Any legal proceedings will be conducted in the courts of Ontario, Canada, and users consent to the jurisdiction of these courts.

Changes to Terms

We reserve the right to modify these terms at any time, with material changes communicated through website notices or direct communication with users.

Continued use of our services after changes indicates acceptance of the modified terms.

Entire Agreement

These terms, along with our Privacy Policy and other referenced policies, constitute the entire agreement between you and Visionvibe Financial Analytics regarding your use of our services.

Contact Information

For questions about these terms and conditions, please contact us: