1. Acceptance of Terms

By accessing or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms, together with our Privacy Policy. If you do not agree with any part of these Terms, you must not use the Service. Morrencove may update these Terms from time to time, and continued use of the Service after such changes constitutes acceptance of the revised Terms.

2. Eligibility

You must be at least 18 years of age and have the legal capacity to enter into a binding agreement to use the Service. By using the Service, you represent and warrant that you meet these requirements and that any information you provide to Morrencove is accurate, current, and complete.

3. Description of Service

Morrencove provides an AI-powered data-analysis and risk-calibration platform intended to support systematic, informational decision-making. The Service does not constitute financial, investment, legal, or tax advice, and no output generated by the Service should be relied upon as a guarantee of any particular outcome. Users remain solely responsible for any decisions made in connection with their use of the Service.

4. Account Registration and Security

To access certain features of the Service, you may be required to create an account. You agree to provide accurate registration information and to keep it up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must notify Morrencove promptly of any unauthorized use of your account or any other breach of security.

5. Acceptable Use

You agree not to use the Service for any unlawful purpose or in any way that could damage, disable, overburden, or impair Morrencove's systems. Prohibited conduct includes, without limitation:

• Attempting to gain unauthorized access to the Service, other accounts, or related networks or systems
• Reverse engineering, decompiling, or attempting to extract the source code of the Service
• Using the Service to transmit malicious code or engage in fraudulent activity
• Reselling, sublicensing, or redistributing the Service without prior written authorization
• Interfering with another user's access to or enjoyment of the Service

6. Intellectual Property

All content, software, trademarks, logos, and materials made available through the Service are the property of Morrencove or its licensors and are protected by applicable intellectual property laws. Nothing in these Terms grants you any ownership rights in the Service. You are granted a limited, non-exclusive, non-transferable license to use the Service solely for its intended purpose, subject to these Terms.

7. Fees and Payment

Certain features of the Service may be offered on a paid subscription or fee basis. Where applicable, pricing, billing cycles, and payment terms will be presented to you prior to purchase. Morrencove reserves the right to modify its pricing structure upon reasonable notice. Failure to make timely payment may result in suspension or termination of access to paid features.

8. No Investment Advice

Nothing provided through the Service should be interpreted as a recommendation, solicitation, or offer to buy or sell any financial instrument. Outputs are generated using automated analytical processes and may not account for your individual financial circumstances. You should seek independent professional advice before making any financial decision.

9. Disclaimer of Warranties

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 merchantability, fitness for a particular purpose, accuracy, or non-infringement. Morrencove does not warrant that the Service will be uninterrupted, error-free, or free of harmful components.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Morrencove, its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill arising out of or related to your use of, or inability to use, the Service, even if advised of the possibility of such damages.

11. Indemnification

You agree to indemnify and hold harmless Morrencove and its affiliates 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 Service, or your violation of these Terms.

12. Suspension and Termination

Morrencove reserves the right to suspend or terminate your access to the Service at its discretion, with or without notice, including in cases of suspected violation of these Terms, fraudulent activity, or prolonged inactivity. Upon termination, your right to use the Service will immediately cease.

13. Third-Party Links and Services

The Service may contain links to third-party websites or integrate with third-party services. Morrencove does not control and is not responsible for the content, policies, or practices of any third party. Your use of third-party services is subject to their respective terms and policies.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Morrencove is registered, without regard to conflict-of-law principles. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction.

15. Severability

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

16. Changes to These Terms

Morrencove may revise these Terms periodically to reflect changes to the Service or legal requirements. Material changes will be indicated by updating the effective date at the top of this page or through other reasonable means of notice. Your continued use of the Service after such updates constitutes your acceptance of the revised Terms.

17. Contact

Questions regarding these Terms should be directed to Morrencove through the contact details provided in the footer of this website.

This document is a general template provided for informational purposes and does not constitute legal advice. Morrencove recommends obtaining jurisdiction-specific legal review before relying on this content.