Terms of Use

Xeltran Wivonira Learnia Financial Analysis Platform

Last Updated: January 15, 2025

1. Acceptance of Terms

By accessing and using the Xeltran Wivonira Learnia platform at xeltranwivoniralearnia.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and Xeltran Wivonira Learnia regarding your use of our financial analysis tools and services.

If you do not agree with any part of these terms, you must discontinue use of our platform immediately. Your continued use of the service after any modifications to these terms constitutes acceptance of the updated terms.

Important: These terms apply to all users, including free trial users, subscribers, and enterprise clients accessing our financial analysis software and related services.

2. Service Description and Scope

Xeltran Wivonira Learnia provides sophisticated financial analysis tools designed for businesses and financial professionals. Our platform offers data visualization, risk assessment, portfolio analysis, and comprehensive reporting capabilities for informed financial decision-making.

Platform Features Include:

Real-time financial data analysis and reporting
Advanced portfolio management and tracking tools
Risk assessment algorithms and predictive modeling
Customizable dashboards and visualization interfaces
Integration capabilities with third-party financial systems
Educational resources and training materials
Professional consultation and support services

We reserve the right to modify, enhance, or discontinue any aspect of our services with reasonable notice to users. Service availability may vary based on subscription level and geographic location.

3. User Obligations and Responsibilities

As a user of our platform, you agree to use our services responsibly and in compliance with all applicable laws and regulations. You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You Agree To:

Provide accurate, current, and complete information during registration
Maintain the security of your login credentials and notify us immediately of any unauthorized access
Use the platform only for legitimate business and financial analysis purposes
Comply with all applicable securities laws and financial regulations in your jurisdiction
Respect intellectual property rights and not reverse engineer our software
Report any technical issues or security vulnerabilities promptly to our support team

Prohibited Activities:

Attempting to gain unauthorized access to our systems or other user accounts
Using automated scripts or bots to extract data without explicit permission
Sharing account credentials with unauthorized third parties
Using our platform for any illegal financial activities or market manipulation
Interfering with the normal operation of our services or other users' access

4. Data Privacy and Financial Information

We understand the sensitive nature of financial data and are committed to protecting your privacy and maintaining the highest standards of data security. Your use of our platform is also governed by our Privacy Policy, which details how we collect, use, and protect your information.

By using our services, you acknowledge that you may be uploading sensitive financial data to our platform. You represent that you have the necessary rights and permissions to upload such data and that doing so does not violate any confidentiality agreements or applicable laws.

Data Security Measures:

End-to-end encryption for all data transmission and storage
Regular security audits and compliance with international standards
Role-based access controls and user authentication protocols
Automated backup systems and disaster recovery procedures
Compliance with Singapore Personal Data Protection Act and relevant international regulations

5. Intellectual Property Rights

All content, software, algorithms, and materials provided through our platform are protected by intellectual property laws and remain the exclusive property of Xeltran Wivonira Learnia or our licensors. This includes but is not limited to our proprietary analysis algorithms, user interface design, and educational content.

License Grant:

We grant you a limited, non-exclusive, non-transferable license to access and use our platform solely for your legitimate business purposes during your subscription period. This license does not permit you to:

Copy, modify, or create derivative works from our software
Reverse engineer or attempt to extract source code
Sublicense or transfer your access rights to third parties
Use our platform to develop competing services

You retain ownership of any data you upload to our platform, while granting us the necessary rights to process and analyze this data to provide our services.

6. Financial Disclaimers and Investment Advice

Our platform provides financial analysis tools and educational resources but does not constitute investment advice, financial planning services, or recommendations to buy or sell specific securities. All analysis and reports generated by our platform are for informational purposes only.

Important Financial Disclaimer: Past performance data and analytical projections do not guarantee future results. All investment decisions should be made in consultation with qualified financial advisors and based on your individual circumstances and risk tolerance.

Risk Acknowledgment:

Financial markets involve inherent risks and volatility
Our analysis tools are based on historical data and mathematical models that may not predict future market conditions
Users should independently verify all data and analysis before making financial decisions
We do not guarantee the accuracy or completeness of third-party financial data
Market conditions and regulatory environments may change rapidly and affect analysis outcomes

7. Subscription Terms and Payment

Access to our platform requires a valid subscription, which may include free trial periods, monthly subscriptions, or annual plans. Subscription fees are billed in advance and are non-refundable except as specifically stated in our refund policy.

Billing and Renewals:

Subscriptions automatically renew at the end of each billing period unless cancelled
Price changes will be communicated at least 30 days in advance
Failed payments may result in service suspension after a grace period
Enterprise clients may have custom billing arrangements as specified in separate agreements

You may cancel your subscription at any time through your account settings or by contacting our support team. Cancellation will be effective at the end of your current billing period.

8. Service Availability and Technical Support

While we strive to maintain continuous service availability, we cannot guarantee uninterrupted access to our platform. Scheduled maintenance, system updates, and unforeseen technical issues may occasionally affect service availability.

Service Level Commitments:

Target uptime of 99.5% excluding scheduled maintenance windows
Advance notice for planned maintenance affecting service availability
24/7 monitoring of critical system components
Technical support available during Singapore business hours (9 AM - 6 PM SGT)
Emergency support available for enterprise clients

We provide comprehensive documentation, tutorials, and customer support to help you maximize the value of our platform. Support response times vary based on subscription level and issue severity.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Xeltran Wivonira Learnia shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our platform, including but not limited to financial losses, lost profits, or business interruption.

Our total liability for any claims related to our services shall not exceed the amount you paid for your subscription in the twelve months preceding the claim. This limitation applies regardless of the legal theory under which damages are claimed.

Specific Disclaimers:

We do not warrant the accuracy or completeness of third-party financial data
Technical issues or data errors may occasionally affect analysis results
Market volatility may impact the reliability of predictive models
Users assume full responsibility for investment and financial decisions

10. Governing Law and Dispute Resolution

These Terms of Use are governed by the laws of Singapore, without regard to conflict of law principles. Any disputes arising from or relating to these terms or your use of our platform shall be resolved through binding arbitration in Singapore, conducted in English.

Dispute Resolution Process:

Initial attempt to resolve disputes through direct negotiation
Mediation through Singapore International Mediation Centre if negotiation fails
Binding arbitration under Singapore International Arbitration Centre rules
Arbitration proceedings conducted by a single arbitrator unless parties agree otherwise

You agree to waive any right to participate in class action lawsuits or class-wide arbitration against Xeltran Wivonira Learnia.

11. Modifications and Updates

We reserve the right to modify these Terms of Use at any time to reflect changes in our services, legal requirements, or business practices. Significant changes will be communicated to users through email notification and prominent notice on our platform.

Your continued use of our services after the effective date of any modifications constitutes acceptance of the updated terms. If you do not agree with the changes, you may terminate your subscription and discontinue use of our platform.

We recommend reviewing these terms periodically to stay informed of any updates that may affect your use of our services.

Questions About These Terms?

Contact our legal and compliance team:

Email: [email protected]

Phone: +65 67336818

Address: 68 Orchard Road, Singapore 238839

Business Hours: Monday - Friday, 9:00 AM - 6:00 PM (SGT)