Terms of Service

1. Acceptance of Terms

By accessing, browsing, or using any part of the Mürzenvik website ("Site"), submitting information through any form on the Site, or requesting an analysis, you confirm that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy. These Terms apply to all visitors, users, and others who access the Site.

2. Description of Service

Mürzenvik provides informational content, analytical tools, and reporting resources related to data analysis and decision support. The information, outputs, or materials provided through the Site are intended for general informational purposes only and do not constitute, and should not be interpreted as, financial, legal, investment, tax, or professional advice of any kind.

We reserve the right to modify, suspend, or discontinue any part of the Site or its features at any time, with or without notice, and without liability to you.

3. No Professional or Financial Advice

Nothing on this Site constitutes an offer, solicitation, or recommendation to buy, sell, or hold any financial instrument, nor does it constitute professional advice of any kind. You should seek independent professional advice before making any decisions based on information obtained through the Site. Mürzenvik makes no representation or warranty regarding the accuracy, completeness, or reliability of any content, analysis, or output provided.

4. Eligibility and Account Responsibility

By using the Site, you represent that you are at least 18 years of age and have the legal capacity to enter into these Terms. If you submit information through any contact or request form, you are responsible for ensuring that the information provided is accurate and that you have the right to share it with us.

5. Acceptable Use

You agree not to use the Site in any way that:

• Violates any applicable law, regulation, or third-party right.
• Attempts to gain unauthorized access to any part of the Site, its systems, or related networks.
• Interferes with or disrupts the integrity or performance of the Site.
• Involves the transmission of malicious code, spam, or unsolicited communications.
• Misrepresents your identity or affiliation with any person or entity.

We reserve the right to restrict or terminate access to the Site for any user who violates these Terms, at our sole discretion.

6. Intellectual Property

All content on the Site, including but not limited to text, graphics, logos, images, layouts, and software, is the property of Mürzenvik or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on the Site without our prior written consent, except as necessary for your own personal, non-commercial use of the Site.

7. Third-Party Links and Content

The Site may contain links to third-party websites or services that are not owned or controlled by Mürzenvik. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. Your use of any third-party website is at your own risk and subject to the terms and policies of that third party.

8. Disclaimer of Warranties

The Site and all content, tools, and outputs are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy. Mürzenvik does not warrant that the Site will be uninterrupted, timely, secure, or error-free, or that any defects will be corrected.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Mürzenvik, its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill, arising from or related to your use of, or inability to use, the Site, whether based on warranty, contract, tort, or any other legal theory, even if advised of the possibility of such damages.

10. Indemnification

You agree to indemnify, defend, and hold harmless Mürzenvik and its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your access to or use of the Site, or your violation of these Terms.

11. Changes to the Terms

We may update or revise these Terms from time to time to reflect changes in our practices, services, or applicable law. Any changes will be posted on this page with an updated effective date where applicable. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms.

12. Termination

We may suspend or terminate your access to the Site at any time, without prior notice, for conduct that we believe violates these Terms, is harmful to other users, or is otherwise damaging to our interests or the interests of third parties.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Mürzenvik operates, without regard to conflict of law principles. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts in that jurisdiction.

14. Severability

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

15. Contact

If you have any questions about these Terms, please get in touch via the details provided on our Contact page.