2. Description of the Service

Iverqanto provides informational tools and content intended to help freelancers, contractors and independent consultants monitor and plan around their financial position. The Service is provided for general informational purposes only and does not constitute financial, tax, investment or legal advice. Any figures, projections or illustrations presented through the Service are estimates and should not be relied upon as guarantees of future outcomes.

3. Eligibility and Accounts

• EligibilityYou must be at least 18 years old and capable of entering into a legally binding agreement to use the Service.
• Account accuracyYou agree to provide accurate, current and complete information when creating an account and to keep that information up to date.
• SecurityYou are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
• NotificationYou agree to notify us promptly of any unauthorised use of your account or any other breach of security.

4. Acceptable Use

You agree not to use the Service in any way that is unlawful, fraudulent, harmful, or that infringes the rights of others. Without limitation, you agree not to:

• MisuseAttempt to gain unauthorised access to any part of the Service, related systems, or networks.
• Reverse engineerCopy, modify, decompile or reverse engineer any software or content made available through the Service.
• Automated accessUse bots, scrapers or other automated means to access the Service without our prior written consent.
• ResaleResell, sublicense or otherwise commercially exploit the Service without authorisation.

5. No Financial Advice

Nothing provided through the Service should be interpreted as a recommendation to buy, sell, hold or otherwise transact in any financial product, nor as personalised financial, tax or legal advice. Decisions you make regarding your finances remain your sole responsibility. You should consult an appropriately qualified professional before making material financial decisions.

6. Intellectual Property

All content, trademarks, logos and materials made available through the Service, unless otherwise indicated, are the property of Iverqanto or its licensors and are protected by applicable intellectual property laws. Except as expressly permitted by these Terms, you may not reproduce, distribute or create derivative works from any part of the Service without prior written permission.

7. Fees and Payment

Where the Service includes paid features or subscriptions, applicable fees will be disclosed to you prior to purchase. Fees are generally non-refundable except where required by applicable law or as otherwise stated at the time of purchase. We reserve the right to change pricing with reasonable advance notice.

8. Termination

We may suspend or terminate your access to the Service at our discretion, including where we reasonably believe you have breached these Terms, without prior notice where circumstances require. You may stop using the Service and close your account at any time. Provisions of these Terms that by their nature should survive termination will continue to apply.

9. Disclaimers

The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or free from security vulnerabilities.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Iverqanto and its affiliates shall not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits, revenue, data or goodwill, arising out of or related to your use of, or inability to use, the Service, even if advised of the possibility of such damages.

11. Indemnification

You agree to indemnify and hold harmless Iverqanto, its affiliates, employees and agents from and against any claims, liabilities, damages, losses and expenses arising out of or in any way connected with your use of the Service or your violation of these Terms.

12. Third-Party Links and Services

The Service may contain links to third-party websites or services that are not owned or controlled by Iverqanto. We are not responsible for the content, privacy policies or practices of any third-party websites or services. Use of third-party services is at your own risk.

13. Changes to the Service

We may modify, suspend or discontinue the Service, or any part of it, at any time, with or without notice. We will not be liable to you or any third party for any such modification, suspension or discontinuation.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Iverqanto operates, without regard to conflict of law principles. This section is provided as a placeholder and should be finalised based on specific legal advice.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision will be limited or eliminated to the minimum extent necessary so that the remaining Terms remain in full force and effect.

16. Changes to These Terms

We may update these Terms from time to time to reflect changes in our practices or for other operational, legal or regulatory reasons. The updated Terms will be posted on this page with a revised effective date. We encourage you to review these Terms periodically.

17. Contact

Questions regarding these Terms should be directed to Iverqanto through the contact details made available on our website.

This document is a general template and placeholder. It does not reflect final, reviewed legal terms and should be customised and approved by qualified legal counsel prior to use.