Terms and Conditions

1. Overview of Service

Reef Capitune provides an AI-driven data-analysis platform intended to help users review and organise publicly available financial information for educational and informational purposes. The platform does not manage funds, execute transactions on behalf of users, or act as a broker, dealer, custodian, or financial adviser. Any references to "investing," "portfolios," or similar terms describe informational features only and do not constitute an offer to provide investment services.

2. No Financial or Investment Advice

Nothing on this website, including outputs generated by Reef Capitune's tools, constitutes financial, legal, tax, or investment advice. All content is provided for general informational purposes and should not be relied upon as the sole basis for any financial decision. You should consult a qualified, independent professional before making any investment or financial decision.

3. Eligibility and Account Use

By using this site, you confirm that you are legally capable of entering into a binding agreement under the laws applicable to you. You are responsible for maintaining the confidentiality of any credentials associated with your use of the platform and for all activity that occurs under your access, to the extent an account system is applicable.

4. Acceptable Use

You agree not to misuse the website or its tools, including but not limited to: attempting unauthorised access to systems or data, interfering with the normal operation of the service, reverse-engineering any underlying software, or using the platform for unlawful purposes. Reef Capitune reserves the right to restrict or suspend access where misuse is reasonably suspected.

5. Intellectual Property

All content on this website, including text, graphics, layouts, logos, and software, is the property of Reef Capitune or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without prior written permission, except as necessary for normal personal, non-commercial use of the site.

6. Third-Party Links and Data

The website may reference or link to third-party sources, data providers, or external websites. Reef Capitune does not control and is not responsible for the accuracy, completeness, or availability of third-party content. Inclusion of any link does not imply endorsement.

7. No Guarantee of Outcomes

Financial markets involve inherent uncertainty and risk, including the potential loss of capital. Reef Capitune makes no representation or warranty, express or implied, regarding the accuracy, completeness, or future performance of any data, analysis, or information presented through the platform. Past patterns or historical data referenced on the site are not indicative of future results.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Reef Capitune, its affiliates, officers, and employees shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or related to your use of, or inability to use, this website or its tools, even if advised of the possibility of such damages.

9. Disclaimer of Warranties

This website and all related content are 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 merchantability, fitness for a particular purpose, and non-infringement. Reef Capitune does not warrant that the site will be uninterrupted, error-free, or secure.

10. Changes to the Service and Terms

Reef Capitune reserves the right to modify, suspend, or discontinue any part of the website or these Terms at any time, with or without notice. Continued use of the site following any changes constitutes acceptance of the revised Terms. We encourage you to review this page periodically.

11. Termination

Reef Capitune may restrict or terminate your access to the website at its discretion, including where there is reasonable belief that these Terms have been violated, without prior notice and without liability.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Reef Capitune is registered, without regard to conflict of law principles. This section is a general placeholder and should be reviewed and confirmed by qualified legal counsel prior to publication.

13. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

14. Contact

Questions regarding these Terms can be directed through the contact channels listed on our Contact page.

This document is a general draft template provided for structural reference only. It does not constitute legal advice and has not been reviewed for compliance with any specific jurisdiction's laws. Reef Capitune recommends consulting a qualified legal professional before relying on this content as a binding agreement.