Terms of Service

2.1 Permitted Use

Our website and services are provided for informational and educational purposes regarding financial analysis services. You may use our website to:

• • Learn about our financial analysis methodology and services
• • Contact us for inquiries or service requests
• • Access educational content related to financial planning
• • Schedule consultations and engage our professional services

2.2 Prohibited Uses

You agree not to use our website or services for any unlawful purpose or in any way that could damage, disable, or impair our operations. Specifically, you may not:

• • Violate any applicable local, national, or international laws or regulations
• • Transmit any harmful code, viruses, or malicious software
• • Attempt to gain unauthorized access to our systems or networks
• • Engage in any automated data collection without our express written permission
• • Misrepresent your identity or affiliation with any person or entity
• • Use our services to harass, abuse, or harm another person
• • Reproduce, duplicate, or copy any content from our website without permission

2.3 Access Requirements

To access certain features of our website or services, you may need to provide accurate and complete information. You are responsible for maintaining the confidentiality of any account credentials and for all activities that occur under your account.

2.4 Fair Usage

We ask that you use our website and services reasonably and in good faith. Excessive or abusive use that impacts our ability to serve other users may result in temporary or permanent suspension of access.

3.1 Account Responsibility

If you create an account or provide personal information to access our services, you are responsible for maintaining the security of your account credentials. You must notify us immediately of any unauthorized access or security breach.

3.2 Accurate Information

You agree to provide accurate, current, and complete information when using our services. Providing false or misleading information may result in termination of service access.

3.3 Account Termination

We reserve the right to suspend or terminate your access to our services at any time, with or without notice, for conduct that we believe violates these terms or is harmful to other users, us, or third parties, or for any other reason at our sole discretion.

4.1 Service Uptime

While we strive to maintain continuous availability of our website and services, we do not guarantee uninterrupted access. The website may be unavailable due to maintenance, updates, technical difficulties, or circumstances beyond our control.

4.2 Planned Maintenance

We may perform scheduled maintenance that temporarily limits access to certain features or the entire website. We will attempt to provide advance notice of planned maintenance when practical, though we are not obligated to do so.

4.3 Service Modifications

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. This includes but is not limited to:

• • Changes to website features and functionality
• • Updates to service offerings and pricing
• • Removal or addition of content and resources
• • Changes to technical infrastructure and systems

4.4 Geographic Restrictions

Our services are primarily intended for users in Germany and the European Union. We make no representation that our services are appropriate or available for use in other locations. Access from territories where our content or services are illegal is prohibited.

5.1 Ownership of Content

All content on our website, including but not limited to text, graphics, logos, images, designs, methodologies, and software, is the property of Quorum Index or our content suppliers and is protected by copyright, trademark, and other intellectual property laws.

5.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website and services for personal, non-commercial purposes. This license does not include any right to reproduce, distribute, modify, or create derivative works from our content.

5.3 Trademarks

The Quorum Index name, logo, and all related marks are trademarks or registered trademarks of Quorum Index. You may not use these marks without our prior written permission.

5.4 User-Generated Content

If you submit any content to our website (such as through contact forms or feedback), you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, and display that content in connection with our services.