Terms and Conditions

1.1 Binding Nature

By accessing our website, submitting contact forms, or engaging our services, you enter into a legally binding agreement with Cortex Metrics. If you do not agree with these terms, you should not use our website or services.

1.2 Age Requirements

You must be at least 18 years old to use our services. By using our website, you represent and warrant that you are of legal age to form a binding contract.

1.3 Capacity to Contract

You represent that you have the legal capacity to enter into this agreement. If you are representing an organization, you warrant that you have the authority to bind that organization to these terms.

1.4 Modifications

We reserve the right to modify these Terms and Conditions at any time. Changes become effective upon posting to this page. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

2.1 Lawful Use

You agree to use our website and services in compliance with all applicable laws, regulations, and these Terms and Conditions. You shall not engage in any activity that:

• Violates any local, national, or international law or regulation
• Infringes upon the rights of others, including intellectual property rights
• Involves fraud, misrepresentation, or deceptive practices
• Transmits harmful, threatening, or harassing content
• Attempts to compromise the security or integrity of our systems

2.2 Information Accuracy

You are responsible for ensuring that all information you provide to us is accurate, complete, and current. This includes contact information, financial data shared for analysis, and any other details relevant to our services.

2.3 Prohibited Activities

You shall not:

• Use automated systems to access the website without authorization
• Attempt to reverse engineer, decompile, or disassemble any aspect of our services
• Remove, obscure, or alter any proprietary notices on our website
• Use our services to compete with us or develop competing services
• Share login credentials or access with unauthorized parties
• Collect or harvest information about other users

2.4 Indemnification

You agree to indemnify, defend, and hold harmless Cortex Metrics, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your violation of these Terms and Conditions or your use of our services.

3.1 Service Scope

Our services are limited to providing analytical insights and frameworks for financial understanding. We do not provide:

• Financial planning or investment advice
• Legal, tax, or accounting counsel
• Guarantees of specific financial outcomes
• Recommendations to buy or sell financial instruments
• Therapeutic or counseling services

3.2 Client Responsibilities

When engaging our services, you are responsible for:

• Providing accurate and complete information for analysis
• Making your own decisions based on the insights provided
• Consulting appropriate licensed professionals for financial, legal, or tax advice
• Verifying information and assumptions before acting on them
• Understanding that analytical frameworks support but do not replace your judgment

3.3 Deliverables and Timelines

Service deliverables and timelines will be outlined in individual service agreements. We make reasonable efforts to meet agreed timelines but are not liable for delays caused by factors beyond our control, including incomplete information from clients or force majeure events.

3.4 Payment Terms

Payment terms for services are specified in individual agreements. Generally, payment is required before service delivery begins. Failure to make timely payment may result in suspension of services.

4.1 Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

4.2 No Guaranteed Results

We do not warrant or guarantee:

• That our services will meet your specific requirements or expectations
• That insights provided will result in particular financial outcomes
• That our website will be uninterrupted, timely, secure, or error-free
• The accuracy, completeness, or reliability of any information on our website
• That defects in our services or website will be corrected

4.3 Professional Advice Disclaimer

Nothing in our services constitutes professional financial, legal, tax, or investment advice. You should always consult with licensed professionals before making significant financial decisions. Our analytical insights are tools to support your decision-making, not replacements for professional counsel.

4.4 Past Performance

Any examples, case studies, or references to past results do not guarantee similar outcomes in your situation. Individual circumstances vary significantly, and results depend on many factors outside our control.

5.1 Exclusion of Damages

To the maximum extent permitted by law, Cortex Metrics shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Personal injury or property damage (except where caused by our negligence)
• Damages arising from decisions made based on our analytical insights
• Third-party actions or content

5.2 Maximum Liability Cap

Our total aggregate liability for all claims arising from or related to our services or these Terms shall not exceed the total amount paid by you to us in the twelve months preceding the event giving rise to the claim, or EUR 1,000, whichever is less.

5.3 Essential Purpose

The limitations in this section are fundamental elements of the agreement between you and Cortex Metrics. Our services would not be provided without these limitations.

5.4 Jurisdictional Limitations

Some jurisdictions do not allow limitation of certain damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

6.1 Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of Sweden, excluding its conflict of law provisions.

6.2 Jurisdiction and Venue

Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts located in Stockholm, Sweden. You consent to the personal jurisdiction of such courts and waive any objection to venue.

6.3 Informal Dispute Resolution

Before filing any formal legal action, you agree to first contact us and attempt to resolve any disputes informally. We commit to working in good faith to resolve disagreements through discussion.

6.4 Time Limitation

Any claim or cause of action arising from or related to our services must be filed within one year after the claim or cause of action arose, or it shall be permanently barred.

7.1 Confidential Information

We maintain strict confidentiality regarding client information. Details of our data protection practices are outlined in our Privacy Policy, which is incorporated into these Terms by reference.

7.2 Data Security

While we implement reasonable security measures to protect your information, no electronic transmission or storage is completely secure. You acknowledge that you provide information at your own risk.

7.3 Client Obligations

You are responsible for maintaining the confidentiality of any login credentials or access information provided to you. You must notify us immediately of any unauthorized access or security breaches.

8.1 Entire Agreement

These Terms and Conditions, together with our Privacy Policy, Cookie Policy, and any service-specific agreements, constitute the entire agreement between you and Cortex Metrics and supersede all prior understandings and agreements.

8.2 Severability

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

8.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of Cortex Metrics.

8.4 Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations without restriction.

8.5 Force Majeure

Neither party shall be liable for failure to perform obligations due to circumstances beyond reasonable control, including natural disasters, war, terrorism, strikes, government actions, or technical failures.

8.6 Survival

Provisions of these Terms that by their nature should survive termination shall survive, including disclaimers, limitations of liability, indemnification obligations, and dispute resolution procedures.