1. Acceptance of Terms

By accessing this website or engaging with CoinHarbourX's services, you confirm that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. These Terms apply to all visitors, users, and clients who access or use our services.

2. Description of Services

CoinHarbourX provides AI-led data analysis and risk management tools designed to support freelancers and independent contractors in managing their business operations. The specific features, functionality, and availability of our services may change over time and are described in further detail elsewhere on this website.

We do not guarantee that our services will be uninterrupted, error-free, or suitable for every individual circumstance. Our services are provided for general informational and operational support purposes and should not be treated as a substitute for independent professional, financial, or legal advice.

3. Eligibility

To use our services, you must be at least 18 years of age and have the legal capacity to enter into a binding agreement. By using our services, you represent and warrant that you meet these requirements.

4. Account Registration

Certain features of our services may require you to register for an account. You agree to provide accurate, current, and complete information during registration and to keep this information up to date. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

You must notify us promptly if you become aware of any unauthorised use of your account or any other breach of security.

5. Acceptable Use

You agree not to use our services:

— In any way that violates applicable local, national, or international law or regulation.
— To transmit any material that is unlawful, harmful, threatening, abusive, or otherwise objectionable.
— To attempt to gain unauthorised access to any part of our systems, servers, or networks.
— To interfere with or disrupt the integrity or performance of our services.
— To reproduce, duplicate, copy, sell, or exploit any portion of our services without our express written permission.

We reserve the right to suspend or terminate access for any user who we believe, in our sole discretion, has violated these Terms.

6. Fees and Payment

Where applicable, details of any fees associated with our services will be clearly communicated to you prior to purchase or subscription. All fees are exclusive of applicable taxes unless stated otherwise. Payment terms, billing cycles, and cancellation policies will be outlined at the point of sale or within your service agreement.

We reserve the right to change our pricing at any time, with reasonable notice provided to existing clients where applicable.

7. Intellectual Property

All content, trademarks, logos, software, and materials available through our website and services are the property of CoinHarbourX or its licensors and are protected by applicable intellectual property laws. You may not copy, modify, distribute, or create derivative works from any part of our services without our prior written consent.

8. Data and Privacy

Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you consent to the practices described in that policy.

9. Disclaimers

Our services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. We do not warrant that our services will meet your specific requirements, that outputs generated by our tools will be accurate or complete, or that any defects will be corrected.

Any analysis, insight, or recommendation provided through our services is intended for general guidance only and does not constitute professional financial, legal, tax, or accounting advice. You should seek independent advice before making decisions based on information obtained through our services.

10. Limitation of Liability

To the fullest extent permitted by law, CoinHarbourX shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunities, arising out of or in connection with your use of, or inability to use, our services.

Nothing in these Terms shall limit or exclude our liability for death, personal injury, or fraud, or any other liability that cannot be limited or excluded under applicable law.

11. Indemnification

You agree to indemnify and hold harmless CoinHarbourX, its officers, employees, and affiliates from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your use of our services, your violation of these Terms, or your violation of any rights of a third party.

12. 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 otherwise harmful to other users, us, or third parties. Upon termination, your right to use our services will immediately cease.

13. Changes to These Terms

We may update these Terms from time to time to reflect changes in our services, legal requirements, or business practices. Any changes will be posted on this page with an updated "Last updated" date. Your continued use of our services following any changes constitutes acceptance of the revised Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which CoinHarbourX operates, without regard to conflict of law principles. [Insert specific governing jurisdiction, to be confirmed with legal counsel.]

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.

16. Contact Us

If you have any questions about these Terms, please contact us through the details provided on our Contact page.