Terms of Service

1. Acceptable Use Policy

You agree to use our website and services only for lawful purposes and in accordance with these Terms. You are prohibited from using our services to engage in any activity that is illegal, harmful, or interferes with another party's use of our services.

Prohibited activities include but are not limited to: violating applicable laws or regulations, infringing intellectual property rights, transmitting malicious code or viruses, attempting unauthorized access to our systems, or engaging in fraudulent activities.

2. Permitted Uses

Our website provides information about our financial analysis services and allows you to contact us for consultations. You may browse our content, submit inquiries through contact forms, and engage with our educational materials for personal, non-commercial purposes.

Commercial use of our content requires explicit written permission. You may not scrape, data mine, or use automated systems to access our website without authorization.

3. Service Access Requirements

To access certain features of our website, you may need to provide accurate and complete information. You are responsible for maintaining the confidentiality of any account credentials and for all activities that occur under your account.

You must be at least 18 years old to use our services. By using our services, you represent that you meet this age requirement.

4. Fair Usage Guidelines

We expect all users to interact with our services in good faith. Excessive requests, automated scraping, or attempts to overload our systems may result in temporary or permanent restriction of access. We reserve the right to refuse service to anyone for any reason at any time.

1. Contact Information Accuracy

When submitting contact forms or service requests, you agree to provide accurate, current, and complete information. You must promptly update any changes to your contact information to ensure we can communicate with you effectively regarding your inquiries or services.

2. Security Responsibilities

You are responsible for safeguarding any sensitive information you share with us. While we implement security measures to protect your data, you should take appropriate precautions when transmitting personal or financial information over the internet.

3. Communication Preferences

By providing your contact information, you consent to receiving communications from us regarding your service requests, inquiries, and relevant updates. You may opt out of marketing communications at any time by following the unsubscribe instructions in our emails.

1. Service Uptime and Maintenance

While we strive to maintain continuous availability of our website, we do not guarantee uninterrupted access. Our services may be temporarily unavailable due to maintenance, updates, technical issues, or circumstances beyond our control. We will make reasonable efforts to minimize disruptions and provide advance notice when possible.

2. Feature Availability

We may modify, suspend, or discontinue any aspect of our services at any time without prior notice. This includes adding, removing, or changing features, content, or functionalities. We are not liable for any modifications or discontinuation of services.

3. Geographic Restrictions

Our services are primarily designed for users in Italy and the European Union. Access from other regions may be subject to different terms or restrictions. We make no representation that our services are appropriate or available for use in all locations.

4. Service Updates

We continuously improve our services and may introduce new features, update existing functionalities, or modify our service offerings. These updates are designed to enhance user experience and maintain service quality. Continued use of our services after updates constitutes acceptance of the modified services.

1. Content Ownership

All content on this website, including text, graphics, logos, images, software, and other materials, is the property of Cipher Folio or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without explicit written permission.

2. Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. This license does not include the right to download (other than page caching), modify, or redistribute content except as explicitly permitted.

3. Trademarks

Cipher Folio and related logos are trademarks of our company. Other trademarks, service marks, and trade names appearing on our website are the property of their respective owners. You may not use any trademarks without prior written permission from the trademark owner.

4. Copyright Notices

All rights reserved. Unauthorized use of content from this website may violate copyright, trademark, and other laws. If you believe any content on our website infringes your intellectual property rights, please contact us with detailed information about the alleged infringement.