Terms and Conditions

1. Acceptance of Terms

By creating an account, accessing the Service, or otherwise using any part of the Equistone FX platform, you confirm that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. These Terms apply to all visitors, users, and others who access the Service.

2. Description of the Service

Equistone FX provides AI-driven data analysis and decision-support tools intended to assist businesses in evaluating cash reserves, liquidity positions, and related financial risk indicators. The Service presents information, models, and outputs generated from data supplied by or on behalf of the user, together with analytical processes operated by Equistone FX.

The Service is provided for informational and analytical support purposes only. It does not constitute financial, investment, accounting, tax, or legal advice, and it should not be treated as a substitute for independent professional judgment.

3. Eligibility and Account Responsibilities

You must be authorized to act on behalf of the organization you represent in order to use the Service in a business capacity. You are responsible for maintaining the confidentiality of any login credentials associated with your account and for all activity that occurs under your account.

You agree to provide accurate, current, and complete information when registering for or using the Service, and to promptly update such information as necessary.

4. Acceptable Use

You agree not to use the Service in any manner that:

• Violates any applicable law, regulation, or third-party right.
• Attempts to gain unauthorized access to the Service, related systems, or other users' data.
• Interferes with or disrupts the integrity or performance of the Service.
• Involves reverse engineering, scraping, or extracting underlying models or source data without authorization.
• Misrepresents outputs of the Service as independently verified financial or legal conclusions.
• Uploads data you do not have the right to share or process through the Service.

5. Data You Provide

You retain ownership of any data, documents, or information you submit to the Service ("Customer Data"). By submitting Customer Data, you grant Equistone FX a limited license to process, store, and analyze that data solely for the purpose of providing and improving the Service, in accordance with our Privacy Policy.

You are responsible for ensuring that you have the necessary rights and permissions to submit any Customer Data, and that such submission complies with applicable laws and any obligations owed to third parties.

6. Outputs, Analysis, and No Professional Advice

Analytical outputs, projections, risk indicators, and recommendations generated by the Service are produced through automated and data-driven processes. They are intended to support, not replace, informed decision-making by qualified personnel within your organization.

Equistone FX does not guarantee the accuracy, completeness, or suitability of any output for a particular purpose. Decisions made based on information from the Service are made at your own discretion and risk. You should seek independent professional advice before making material financial decisions.

7. Intellectual Property

The Service, including its underlying software, design, text, graphics, models, and documentation, is owned by Equistone FX or its licensors and is protected by applicable intellectual property laws. Except as expressly permitted under these Terms, you may not copy, modify, distribute, sell, or lease any part of the Service.

Feedback or suggestions you provide regarding the Service may be used by Equistone FX without restriction or obligation to you.

8. Subscription, Fees, and Payment

Where the Service is offered on a paid subscription or fee basis, applicable pricing, billing cycles, and payment terms will be presented at the time of signup or in a separate order form or agreement. Fees are generally non-refundable except as required by law or as otherwise expressly stated.

Equistone FX reserves the right to modify pricing with reasonable advance notice. Continued use of the Service after a pricing change takes effect constitutes acceptance of the new pricing.

9. Suspension and Termination

Equistone FX may suspend or terminate access to the Service, in whole or in part, if we reasonably believe you have violated these Terms, posed a security risk, or engaged in unlawful conduct. You may terminate your account at any time by discontinuing use of the Service and following any applicable cancellation process.

Upon termination, your right to access the Service will cease. Provisions of these Terms that by their nature should survive termination, including intellectual property, limitation of liability, and indemnification provisions, will continue to apply.

10. Disclaimers

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 implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Equistone FX does not warrant that the Service will be uninterrupted, error-free, or completely secure, or that any analysis, projection, or risk indicator will be accurate or achieve any particular result.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Equistone FX and its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunities, arising out of or related to your use of or inability to use the Service, even if advised of the possibility of such damages.

Where liability cannot be fully excluded under applicable law, Equistone FX's aggregate liability arising from or relating to these Terms or the Service shall be limited to the greatest extent permitted by law.

12. Indemnification

You agree to indemnify and hold harmless Equistone FX from and against any claims, damages, liabilities, costs, and expenses arising out of your use of the Service, your violation of these Terms, or your violation of any rights of a third party, including rights related to data you submit through the Service.

13. Changes to the Service and Terms

Equistone FX may modify, suspend, or discontinue any part of the Service at any time. We may also update these Terms from time to time to reflect changes in the Service, legal requirements, or operational practices. Material changes will be indicated by updating the "last updated" date below or through other reasonable notice. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

14. Third-Party Services and Links

The Service may reference, integrate with, or link to third-party tools, data sources, or websites. Equistone FX does not control and is not responsible for the content, accuracy, or practices of any third-party services, and inclusion of such references does not imply endorsement.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Equistone FX operates, without regard to conflict-of-law principles. Any disputes arising from these Terms or the Service shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction, unless otherwise required by applicable law.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid or unenforceable provision shall be deemed modified to the minimum extent necessary to make it enforceable.

17. Contact

Questions regarding these Terms can be directed through the contact options available on our Contact page.

Last updated: this document is a general template and should be dated and reviewed prior to publication.