Terms and Conditions

Agreement to Terms

These Terms and Conditions constitute a legally binding agreement between you and Equinox Ledger regarding your use of our website and services. By accessing our website or engaging our services, you affirm that you have read, understood, and agree to be bound by these terms in their entirety.

Important: If you do not agree with any provision of these Terms and Conditions, you must discontinue use of our website and services immediately. Your continued use constitutes unconditional acceptance of these terms as they may be modified from time to time.

User Obligations and Conduct Requirements

1. Accuracy of Information

You warrant that all information you provide to us, whether through contact forms, service requests, or during analytical engagements, is accurate, complete, and truthful. You agree to promptly update any information that becomes outdated or inaccurate. Providing false or misleading information may result in termination of services and potential legal consequences.

2. Lawful Use Only

You agree to use our website and services only for lawful purposes and in accordance with these Terms and Conditions. Prohibited conduct includes, but is not limited to:

× Violating any applicable local, national, or international law or regulation
× Infringing upon intellectual property rights of Equinox Ledger or third parties
× Transmitting harmful, threatening, abusive, or defamatory content
× Attempting to gain unauthorized access to our systems or networks
× Using our services to facilitate money laundering or terrorist financing

3. Content Guidelines and Restrictions

When communicating with us or submitting information through our website, you must ensure that your content does not contain material that is unlawful, fraudulent, threatening, abusive, libelous, defamatory, obscene, or otherwise objectionable. We reserve the right to remove any content that violates these guidelines.

4. Age Restrictions and Requirements

Our services are intended for individuals who are at least 18 years of age. By using our website or services, you represent and warrant that you are of legal age to form a binding contract with Equinox Ledger. We do not knowingly provide services to minors.

5. Indemnification Obligations

You agree to indemnify, defend, and hold harmless Equinox Ledger, its officers, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your breach of these Terms and Conditions, your violation of any law or rights of third parties, or your use of our services.

User Responsibilities and Compliance

Compliance with Laws and Regulations

You are solely responsible for ensuring that your use of our services complies with all applicable laws, regulations, and professional standards in your jurisdiction. This includes, but is not limited to:

• Financial services regulations applicable to your situation
• Tax reporting and compliance obligations
• Data protection and privacy requirements
• Anti-money laundering and counter-terrorism financing laws

Privacy and Data Protection Responsibilities

When engaging our services, you may need to provide financial or personal information. You are responsible for ensuring you have the legal right to share this information and that doing so does not violate any confidentiality agreements or privacy rights of third parties. You agree to comply with all applicable data protection laws when sharing information with us.

Third-Party Interactions

If you choose to share our analytical work with third parties such as advisors, accountants, or family members, you do so at your own discretion and risk. We are not responsible for how third parties interpret, use, or act upon information derived from our services. You agree not to hold us liable for any consequences arising from such sharing.

Disclaimers and Limitations of Liability

Important Legal Notice

The following disclaimers and limitations constitute essential terms of our agreement. Please read them carefully as they affect your legal rights and our liability to you.

1. Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:

× Warranties of merchantability and fitness for a particular purpose
× Warranties of non-infringement of intellectual property rights
× Warranties that our services will be uninterrupted, error-free, or secure
× Warranties regarding the accuracy, reliability, or completeness of results

2. Limitation of Liability

To the maximum extent permitted by applicable law, Equinox Ledger shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

× Your use or inability to use our services
× Financial decisions made based on our analytical work
× Unauthorized access to or alteration of your data
× Any other matter relating to our services

Our total liability to you for any claims arising from or related to these Terms and Conditions or our services shall not exceed the fees you paid to us in the twelve months preceding the claim.

3. Exclusion of Consequential Damages

Under no circumstances shall we be liable for any consequential, indirect, or exemplary damages arising from your use of our services, including but not limited to investment losses, lost business opportunities, reputational damage, or emotional distress, even if we have been advised of the possibility of such damages.

4. Force Majeure Provisions

We shall not be liable for any failure or delay in performing our obligations due to circumstances beyond our reasonable control, including but not limited to natural disasters, war, terrorism, labor disputes, governmental actions, pandemics, internet service failures, or other force majeure events. In such circumstances, our obligations will be suspended for the duration of the event.

5. No Financial Advice Disclaimer

Our analytical services provide objective assessment and quantitative perspective but do not constitute personalized financial advice, investment recommendations, or portfolio management. We do not recommend specific securities, investment strategies, or financial products. You acknowledge that all financial decisions based on our analysis are made at your sole discretion and risk.

6. Third-Party Content and Links

Our website may contain links to third-party websites or references to third-party resources. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that we shall not be liable for any damage or loss caused by your use of such third-party content or services.

Legal Information and Dispute Resolution

Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles. Any legal action or proceeding arising under these terms shall be brought exclusively in the courts located in England and Wales, and you hereby consent to personal jurisdiction and venue in such courts.

Dispute Resolution Procedures

In the event of any dispute, controversy, or claim arising out of or relating to these Terms and Conditions or our services, the parties agree to:

First attempt to resolve the matter through good-faith negotiation
If negotiation fails, consider mediation through a mutually agreed mediator
If mediation is unsuccessful or declined, pursue resolution through the courts of England and Wales

Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration against Equinox Ledger.

Additional Legal Provisions

Severability Clause

If any provision of these Terms and Conditions is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, it shall be severed from these terms. The remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy, Cookie Policy, and any specific service agreement you enter into with us, constitute the entire agreement between you and Equinox Ledger regarding your use of our services. These terms supersede all prior or contemporaneous communications, proposals, and agreements, whether oral or written.

No Waiver

Our failure to enforce any right or provision of these Terms and Conditions shall not constitute a waiver of that right or provision. Any waiver of any provision shall be effective only if in writing and signed by an authorized representative of Equinox Ledger.

Assignment

You may not assign or transfer these Terms and Conditions or any rights or obligations hereunder without our prior written consent. We may assign these terms at any time without notice. Any attempted assignment in violation of this provision shall be void.

Survival

Provisions of these Terms and Conditions that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnity obligations, and limitations of liability.

Terms Modification Policy

We reserve the right to modify, amend, or update these Terms and Conditions at any time at our sole discretion. When we make material changes, we will update the "Last updated" date at the top of this page and may provide additional notice through our website or via email if you have an active service engagement with us.

Your continued use of our website or services after such modifications constitutes your acceptance of the updated terms. If you do not agree to the modified terms, you must discontinue use of our services. We recommend reviewing these Terms and Conditions periodically to stay informed of any changes.

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