Terms and Conditions

1. Acceptance of Terms

By accessing or using the Toqueñaro website, tools, or any related services (collectively, the "Services"), you agree to be bound by these Terms and by our Privacy Policy. If you do not agree with any part of these Terms, you must not use the Services.

2. Eligibility

You must be at least 18 years of age and have the legal capacity to enter into binding agreements to use the Services. By using the Services, you represent and warrant that you meet these requirements.

3. Description of Services

Toqueñaro provides AI-driven data analysis and decision-support tools intended to assist users with research, insight, and workflow efficiency. The Services are informational and analytical in nature. Toqueñaro does not provide financial, investment, legal, or tax advice, and nothing presented through the Services should be construed as such.

4. No Financial Advice

Any output, analysis, report, or recommendation generated by the Services is provided for general informational purposes only. You are solely responsible for any decisions made based on information obtained through the Services. Toqueñaro does not guarantee the accuracy, completeness, or timeliness of any output and accepts no liability for outcomes resulting from reliance on it.

5. Account Registration

To access certain features, you may be required to create an account and provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us promptly of any unauthorized use of your account.

6. Acceptable Use

You agree not to use the Services to:

• Violate any applicable law or regulation;
• Infringe upon the intellectual property or other rights of any third party;
• Attempt to gain unauthorized access to our systems or another user's account;
• Interfere with or disrupt the integrity or performance of the Services;
• Reverse engineer, decompile, or otherwise attempt to extract the source code of any software underlying the Services;
• Use automated means to scrape, harvest, or extract data from the Services without prior written consent.

7. Fees and Payment

Certain features of the Services may require payment of fees. Where applicable, fees, billing cycles, and payment terms will be presented to you at the point of purchase or subscription. All fees are non-refundable except as required by applicable law or as otherwise expressly stated at the time of purchase.

8. Intellectual Property

All content, software, trademarks, logos, and materials associated with the Services are the property of Toqueñaro or its licensors and are protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the Services for their intended purpose. No other rights are granted.

9. User Content

If you submit, upload, or input data into the Services, you retain ownership of that content, but you grant Toqueñaro a limited license to process, store, and use such content solely for the purpose of providing and improving the Services.

10. Third-Party Links and Services

The Services may contain links to third-party websites or integrate with third-party tools. Toqueñaro does not control and is not responsible for the content, policies, or practices of any third party. Your use of third-party services is governed by their own terms and policies.

11. Disclaimer of Warranties

The Services are 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 merchantability, fitness for a particular purpose, non-infringement, or uninterrupted and error-free operation. Toqueñaro does not warrant that the Services will meet your specific requirements or expectations.

12. Limitation of Liability

To the fullest extent permitted by applicable law, Toqueñaro 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 goodwill, arising from or related to your use of, or inability to use, the Services, even if advised of the possibility of such damages.

13. Indemnification

You agree to indemnify and hold harmless Toqueñaro, its affiliates, and their respective personnel from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your use of the Services or your violation of these Terms.

14. Suspension and Termination

Toqueñaro reserves the right to suspend or terminate your access to the Services, with or without notice, if we reasonably believe you have violated these Terms or engaged in conduct that may harm Toqueñaro, other users, or third parties.

15. Changes to the Services and Terms

We may modify, suspend, or discontinue any part of the Services at any time. We may also update these Terms from time to time. Material changes will be indicated by revising the "last updated" date, and continued use of the Services after such changes constitutes acceptance of the revised Terms.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales, unless otherwise required by applicable law.

17. Severability

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

18. Contact

If you have any questions regarding these Terms, please get in touch through the contact details provided on our Contact page.

This Terms and Conditions document is a general template provided for informational purposes and does not constitute legal advice. Toqueñaro recommends obtaining independent legal counsel to ensure this document is tailored to your specific business and complies with applicable laws in your jurisdiction.

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