Terms and Conditions

1. Overview of Services

Berganivo provides predictive data analysis and capital management related information and tools intended for remote investors. Any content, projections, assessments, or recommendations presented through this website are provided for informational purposes and do not constitute financial, investment, legal, or tax advice.

Nothing on this website should be interpreted as a guarantee of financial outcome, return on investment, or suitability of any investment strategy for your individual circumstances. You are solely responsible for seeking independent professional advice before making any financial decision.

2. Eligibility and Account Responsibilities

By using this website or submitting information through any form, you represent that you are legally capable of entering into a binding agreement and that the information you provide is accurate and current. You are responsible for maintaining the confidentiality of any credentials associated with your use of our services and for all activity that occurs under your submitted details.

We reserve the right to refuse, suspend, or terminate access to our services at our discretion, including where we believe the Terms have been violated or where information provided is inaccurate or misleading.

3. Use of the Website

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use of the website. Prohibited behaviour includes, without limitation: attempting unauthorised access to our systems, transmitting harmful code, scraping or harvesting data without permission, and impersonating any person or entity.

We reserve the right to monitor use of the website and to remove or restrict access to any content or feature without prior notice.

4. Intellectual Property

All content on this website, including text, graphics, logos, data compilations, and software, is the property of Berganivo or its licensors and is protected by applicable intellectual property laws, unless otherwise stated. You may view and print content for personal, non-commercial reference only. Any reproduction, distribution, or modification of this content without prior written consent is prohibited.

5. No Investment Advice or Guarantee

Predictive analysis, modelling outputs, and any liquidity or withdrawal information presented on this website are illustrative and based on general assumptions. Past performance, modelled scenarios, or historical data referenced anywhere on this site are not indicative of future results. Berganivo makes no warranty, express or implied, regarding the accuracy, completeness, or reliability of any analysis, projection, or statement presented.

Engaging with our services does not create an advisory or fiduciary relationship unless expressly agreed in a separate signed agreement.

6. Fees and Payment

Where applicable, fees for services will be communicated separately prior to engagement. All fees are subject to change at our discretion with reasonable notice. You are responsible for any taxes, charges, or third-party costs associated with your use of our services, unless otherwise specified in a separate written agreement.

7. Limitation of Liability

To the maximum extent permitted by applicable law, Berganivo, 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 investment value, arising out of or related to your use of, or inability to use, this website or any associated services.

Our total aggregate liability arising from or related to these Terms, to the extent permitted by law, shall not exceed the amount paid by you, if any, for the specific service giving rise to the claim.

8. Indemnification

You agree to indemnify and hold harmless Berganivo and its representatives from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from your breach of these Terms or your misuse of the website or services.

9. Third-Party Links and Services

This website may contain links to third-party websites or reference third-party tools not operated by Berganivo. We do not endorse and are not responsible for the content, accuracy, or practices of any third-party site or service. Access to such links is at your own risk.

10. Changes to These Terms

We may revise these Terms from time to time to reflect changes in our services, legal requirements, or operational practices. Updated Terms will be posted on this page with a revised "Last updated" notice. Continued use of the website following any changes constitutes acceptance of the revised Terms.

11. Termination

We may suspend or terminate your access to this website or any associated service at any time, without notice, for conduct that we believe violates these Terms or is otherwise harmful to other users, us, or third parties.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Berganivo operates, without regard to conflict of law principles. This section is a placeholder and should be finalised with reference to the specific jurisdiction applicable to Berganivo.

13. Severability

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

14. Contact

Questions regarding these Terms should be directed through the contact details provided elsewhere on this website or in your service agreement with Berganivo.