Terms and Conditions
These Terms and Conditions ("Terms") govern your access to and use of the Skala Dohodov website, tools, and related services (collectively, the "Service"). Please read them carefully before using the Service.
Last updated: [Insert Date] — This is a general draft template and should be reviewed and adapted to your specific jurisdiction and business practices before publication.
1. Acceptance of Terms
By accessing or using the Skala Dohodov website or any associated tools, calculators, or portfolio analysis features (the "Service"), you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Service.
2. Description of Service
Skala Dohodov provides informational tools intended to support portfolio analysis and risk-awareness for individuals managing their own financial planning. The Service is non-custodial, meaning Skala Dohodov does not hold, manage, or have access to your funds, accounts, or assets at any time.
The Service is provided for general informational and educational purposes only. Nothing presented through the Service constitutes financial, investment, tax, or legal advice, and Skala Dohodov does not act as a financial advisor, broker, or fiduciary.
3. Eligibility
You must be of legal age in your jurisdiction of residence to use the Service. By using the Service, you represent that you have the legal capacity to enter into these Terms and that your use of the Service complies with all applicable laws.
4. User Responsibilities
You are solely responsible for any financial decisions you make, whether or not informed by information, analysis, or outputs provided through the Service. Skala Dohodov strongly recommends consulting a qualified, licensed financial professional before making any investment or financial planning decisions.
You agree not to misuse the Service, including but not limited to attempting unauthorized access to systems, interfering with normal operation, or using the Service for unlawful purposes.
5. No Warranty
The Service is 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 accuracy, completeness, merchantability, fitness for a particular purpose, or non-infringement. Skala Dohodov does not guarantee that any analysis, projection, or output will be accurate, error-free, or suitable for your specific circumstances.
6. Limitation of Liability
To the fullest extent permitted by applicable law, Skala Dohodov, its owners, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from or related to your use of, or inability to use, the Service, including any financial losses resulting from decisions made using information obtained through the Service.
7. Intellectual Property
All content, design elements, text, graphics, and underlying technology associated with the Service are the property of Skala Dohodov or its licensors and are protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from any part of the Service without prior written consent.
8. Third-Party Links and Services
The Service may reference or link to third-party websites, tools, or resources. Skala Dohodov does not control and is not responsible for the content, accuracy, or practices of any third-party resources, and inclusion of such links does not imply endorsement.
9. Privacy
Your use of the Service is also governed by our Privacy Policy, which describes how information submitted through the Service is handled. Please review the Privacy Policy to understand our practices.
10. Modifications to the Service and Terms
Skala Dohodov reserves the right to modify, suspend, or discontinue any part of the Service at any time without prior notice. We may also revise these Terms from time to time. Continued use of the Service after changes are posted constitutes acceptance of the revised Terms. We encourage you to review this page periodically.
11. Termination
Skala Dohodov reserves the right to restrict or terminate your access to the Service at its discretion, including in cases of suspected misuse or violation of these Terms, without prior notice.
12. Governing Law
These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Skala Dohodov operates, without regard to conflict-of-law principles. [Specific jurisdiction to be confirmed and inserted.]
13. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
14. Contact
If you have questions regarding these Terms, please reach out through the contact details provided on our Contact page.