These Terms and Conditions ("Terms") govern access to and use of the Meritvane Ratings website and platform. This is a general draft template provided for editing purposes and does not constitute legal advice or a finalised, jurisdiction-specific agreement. Please review and adapt this document with a qualified legal professional before publishing it as a binding agreement.
Last updated: [Insert Date]
By accessing or using the Meritvane Ratings website, requesting access, or otherwise engaging with our services, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you should discontinue use of the site and services immediately.
Meritvane Ratings provides data analysis and information tools designed to assist investors in reviewing holdings across multiple exchanges. The service is intended to support independent research and decision-making. Meritvane Ratings does not provide regulated financial advice, and nothing on this website should be interpreted as a recommendation to buy, sell, or hold any financial instrument.
Meritvane Ratings is not authorised or regulated by any financial services regulator. Users are solely responsible for determining whether use of the platform is appropriate for their circumstances and for seeking independent professional advice where needed.
Access to certain features of the platform may require registration or an approved request for access. You agree to provide accurate and current information when requesting access and to keep any credentials associated with your account confidential. You are responsible for all activity that occurs under your account.
Meritvane Ratings reserves the right to decline, suspend, or revoke access at its discretion, including where there is reasonable suspicion of misuse, breach of these Terms, or activity that may expose Meritvane Ratings or other users to risk.
All content, data outputs, and analysis provided through Meritvane Ratings are for informational purposes only. They are generated from available data and analytical processes and may contain errors, delays, or omissions. Nothing provided through the platform constitutes investment advice, a solicitation, or an offer to transact in any security or financial product.
Investment decisions involve risk, including the potential loss of capital. You should not rely solely on information from Meritvane Ratings when making financial decisions and should consult a qualified, independent financial adviser where appropriate.
You agree not to misuse the Meritvane Ratings platform. This includes, without limitation, agreeing not to:
All content, design elements, branding, text, and underlying technology associated with Meritvane Ratings are the property of Meritvane Ratings or its licensors, unless otherwise indicated. Nothing in these Terms grants you any right or licence to use Meritvane Ratings's intellectual property beyond what is strictly necessary to access the service as intended.
Use of the platform is also governed by our Privacy Policy, which explains how information is collected, used, and safeguarded. By using the service, you consent to the practices described in that policy.
To the fullest extent permitted by applicable law, Meritvane Ratings shall not be liable for any indirect, incidental, special, or consequential damages, including loss of profits, data, or investment value, arising from or related to the use of, or inability to use, the platform or any reliance placed on its content.
The platform and its outputs are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including as to accuracy, completeness, or fitness for a particular purpose.
You agree to indemnify and hold Meritvane Ratings, its representatives, and affiliates harmless from any claims, losses, liabilities, or expenses arising from your use of the platform, your breach of these Terms, or your violation of any applicable law or third-party right.
The platform may reference or link to third-party exchanges, data sources, or services. Meritvane Ratings does not control and is not responsible for the content, accuracy, or practices of any third party, and inclusion of such references does not imply endorsement.
Meritvane Ratings reserves the right to modify, suspend, or discontinue any part of the service at any time, with or without notice. These Terms may be updated periodically to reflect changes in our services or legal requirements. Continued use of the platform following any update constitutes acceptance of the revised Terms.
Meritvane Ratings may suspend or terminate your access to the platform at any time, for any reason, including breach of these Terms. Upon termination, your right to use the service will cease immediately, though provisions intended to survive termination (including liability and intellectual property clauses) shall remain in effect.
These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Meritvane Ratings operates, without regard to conflict of law principles. [This section should be reviewed and finalised with qualified legal counsel to confirm the appropriate governing jurisdiction.]
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 continue in full force and effect.
Questions regarding these Terms may be directed to Meritvane Ratings using the contact details provided on our Contact page.