Terms & Conditions

1. Acceptance of Terms

By accessing or using the Defactor website and services (the “Services”), you agree to be bound by these Terms & Conditions and all applicable laws and regulations. If you do not agree with any part of these terms, you must not use the Services.

2. Eligibility

You must be at least 18 years old and have the legal capacity to enter into a binding agreement to use the Services. If you use the Services on behalf of an organization, you represent that you are authorized to bind that organization to these terms.

3. Use of the Services

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for their intended purpose. You agree to use the Services only in a lawful manner and in accordance with these terms.

4. Accounts and Registration

Certain features may require you to register for an account. You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account. You agree to notify us promptly of any unauthorized use.

5. Acceptable Use

When using the Services, you agree not to:

• Violate any applicable law, regulation, or third-party right.
• Attempt to gain unauthorized access to any part of the Services or related systems.
• Interfere with or disrupt the integrity or performance of the Services.
• Use the Services to transmit malicious code, spam, or fraudulent content.
• Reverse engineer, copy, or create derivative works from the Services except as permitted by law.

6. Intellectual Property

The Services, including all content, trademarks, logos, and software, are owned by or licensed to Defactor and are protected by intellectual property laws. Nothing in these terms grants you any right to use our intellectual property without our prior written consent.

7. Third-Party Services and Links

The Services may contain links to, or integrations with, third-party websites and services that we do not control. We are not responsible for the content, policies, or practices of any third party, and your use of them is at your own risk.

8. No Financial Advice

Information provided through the Services is for general informational purposes only and does not constitute financial, investment, legal, or tax advice. Any financial decision you make is your sole responsibility, and you should seek independent professional advice before acting. Financial products may carry risk, including the loss of capital.

9. Disclaimers

The 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 the Services will be uninterrupted, error-free, secure, or free of harmful components.

10. Limitation of Liability

To the fullest extent permitted by law, Defactor and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill, arising out of or related to your use of the Services.

11. Indemnification

You agree to indemnify and hold harmless Defactor, its affiliates, and their respective officers, directors, employees, and agents from any claims, liabilities, damages, and expenses arising out of your use of the Services or your breach of these terms.

12. Termination

We may suspend or terminate your access to the Services at any time, with or without notice, if we believe you have violated these terms or for any other reason at our discretion. Upon termination, the rights granted to you under these terms will cease.

13. Governing Law

These terms are governed by and construed in accordance with applicable law, without regard to conflict-of-law principles. Any disputes arising under these terms will be subject to the exclusive jurisdiction of the competent courts in our place of establishment.

14. Changes to These Terms

We may revise these Terms & Conditions from time to time. When we do, we will update the “Last updated” date above. Your continued use of the Services after changes take effect constitutes your acceptance of the revised terms.

15. Contact Us

If you have any questions about these Terms & Conditions, please contact us at info@defactor.com or through our Contact page.