Terms of Use

1. Acceptance of Terms

By accessing and using Sapiovorzela (sapiovorzela.com), you accept and agree to be bound by the terms and provision of this agreement. These Terms of Use constitute a legally binding agreement between you and Sapiovorzela regarding your use of our financial statement analysis platform and related services.

If you do not agree to abide by the above, please do not use this service. Your continued use of the platform following any changes to these terms will signify your acceptance of those changes.

Scope of Agreement

This agreement applies to all users of the Sapiovorzela platform, including but not limited to individual users, business professionals, financial analysts, and institutional subscribers. The terms govern all aspects of your interaction with our services.

2. Description of Service

Sapiovorzela provides comprehensive financial statement analysis tools and services designed to help users evaluate company performance, assess financial health, and make informed business decisions. Our platform offers various analytical frameworks, ratio calculations, and interpretive guidance.

Service Features

• Financial ratio calculations and trend analysis
• Comparative industry benchmarking tools
• Educational resources on financial statement interpretation
• Data visualization and reporting capabilities
• Historical financial data analysis

3. User Responsibilities and Conduct

As a user of Sapiovorzela, you agree to use our services responsibly and in accordance with applicable laws and regulations. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

Prohibited Uses

You agree not to use the service for any unlawful purpose or in any way that could damage, disable, overburden, or impair the service. Specifically, you may not:

• Upload or transmit any content that is unlawful, harmful, threatening, abusive, or otherwise objectionable
• Attempt to gain unauthorized access to any portion of the service or any other systems connected to the service
• Use automated systems or software to extract data from the platform for commercial purposes without written permission
• Interfere with or disrupt the service or servers or networks connected to the service
• Reproduce, duplicate, copy, sell, resell, or exploit any portion of the service without express written permission

Data Accuracy and Verification

While we strive to provide accurate financial data and analysis tools, you acknowledge that you are responsible for verifying the accuracy of any data you input into our system and for independently confirming any analytical results before making business decisions.

4. Privacy and Data Protection

Your privacy is important to us. We collect, use, and protect your personal information in accordance with our Privacy Policy and applicable data protection regulations, including GDPR requirements for users in the European Union.

Data Collection and Use

We collect information you provide directly to us, such as when you create an account, use our services, or contact us for support. We also automatically collect certain information about your use of our services, including log data and device information.

Data Security

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

5. Intellectual Property Rights

The Sapiovorzela platform, including its original content, features, and functionality, is owned by Sapiovorzela and is protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

License to Use

Subject to these Terms of Use, we grant you a limited, non-exclusive, non-transferable license to access and use the Sapiovorzela platform for your personal or internal business purposes. This license does not include any right to:

• Modify or copy the materials
• Use the materials for commercial purposes or for any public display
• Remove any copyright or other proprietary notations from the materials
• Transfer the materials to another person or mirror the materials on any other server

User-Generated Content

Any content you upload, submit, or otherwise make available through the service remains your property. However, by submitting content, you grant us a worldwide, royalty-free license to use, reproduce, and distribute such content in connection with the service.

6. Disclaimers and Limitations of Liability

Sapiovorzela provides financial analysis tools and educational content on an "as is" and "as available" basis. We make no warranties, expressed or implied, and hereby disclaim all other warranties including implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Limitation of Liability

In no event shall Sapiovorzela or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Sapiovorzela's platform, even if Sapiovorzela or an authorized representative has been notified of the possibility of such damage.

Indemnification

You agree to indemnify and hold harmless Sapiovorzela, its officers, directors, employees, and agents from and against any claims, disputes, demands, liabilities, damages, losses, costs, and expenses arising from or relating to your use of the service or violation of these Terms of Use.

7. Subscription Terms and Payment

Certain features of Sapiovorzela may require a paid subscription. By subscribing to our services, you agree to pay all fees associated with your chosen subscription plan. Subscription fees are billed in advance and are non-refundable except as expressly stated in our refund policy.

Automatic Renewal

Subscriptions automatically renew for successive periods of the same length as the original subscription term unless you cancel your subscription before the end of the current billing period. You may cancel your subscription at any time through your account settings.

Price Changes

We reserve the right to modify our pricing at any time. If we change the price of your subscription, we will provide you with reasonable advance notice and the opportunity to cancel your subscription before the price change takes effect.

8. Termination

We may terminate or suspend your account and access to the service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms of Use.

Effect of Termination

Upon termination, your right to use the service will cease immediately. All provisions of the Terms of Use which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

9. Governing Law and Dispute Resolution

These Terms of Use shall be interpreted and governed by the laws of England and Wales, without regard to conflict of law provisions. Any disputes arising from these terms or your use of the service shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Alternative Dispute Resolution

Before pursuing formal legal action, we encourage users to contact us directly to resolve any disputes. We are committed to working with users to reach a fair and reasonable resolution to any concerns or complaints.

10. Changes to Terms

We reserve the right to modify these Terms of Use at any time. We will notify users of any material changes by posting the new Terms of Use on this page and updating the "Last Updated" date. Your continued use of the service after any such changes constitutes your acceptance of the new Terms of Use.

Notification of Changes

For significant changes that materially affect your rights or obligations, we will provide additional notice through email or prominent notice on our platform at least 30 days before the changes take effect.