Terms of Service for CeFinan

1. Overview of Services

CeFinan is a free data analytics platform designed to help users visualize and understand the performance and correlation of multiple stocks over customizable time periods. Features include:

• Mathematical and statistical analysis of stock growth patterns
• Visualization through interactive heatmaps and line charts
• Comparison of selected stocks with major financial indices
• Exploration of historical data over time periods ranging from 5 days to 10+ years

2. Free Service

3. No Investment Advice – Risk Disclosure

All insights generated by CeFinan are derived solely from quantitative data and statistical models. These outputs do not take into account your personal financial situation, investment goals, or risk tolerance.

You acknowledge and agree that:

• CeFinan is not a registered investment advisor, broker, or financial planner
• None of the data, visualizations, or analysis constitutes a recommendation to buy, sell, or hold any security
• Any investment you decide to undertake is at your sole discretion and risk

4. User Eligibility and Accounts

• You must be at least 18 years old to use the Services
• You are responsible for all activity under your account and for maintaining the confidentiality of your login credentials
• CeFinan reserves the right to suspend or terminate access to any user in violation of these Terms

5. License and Acceptable Use

We grant you a limited, non-transferable, revocable license to access and use the Services solely for your personal or internal business use.

You agree not to:

• Use the Services to give financial advice to third parties
• Reverse-engineer or extract the underlying algorithms or data
• Automate usage through bots or scraping tools
• Use the Services for illegal, unethical, or unauthorized purposes

6. Data Collection and Privacy

CeFinan may collect technical and usage data (such as cookies, IP addresses, session times) to enhance the platform and user experience. We do not collect personally identifiable information unless explicitly provided by the user.

You retain ownership of any data you input. By using the Services, you grant us a non-exclusive, royalty-free license to use this data solely for providing and improving the Services.

For more information, refer to our Privacy Policy.

7. Intellectual Property

All intellectual property associated with the Site, including algorithms, design, visualizations, trademarks, and code, belongs to CeFinan or its licensors. You may not reproduce, redistribute, or modify any content without prior written consent.

Feedback you provide may be used to improve the Services.

8. No Warranty and Limitation of Liability

The Services are provided "as is" and "as available", with no guarantees of accuracy, completeness, or uptime.

CeFinan disclaims all warranties, express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

To the maximum extent permitted by law, CeFinan shall not be liable for any:

• Loss of capital or investment due to reliance on any analysis
• Indirect, incidental, or consequential damages
• Technical errors, bugs, or service interruptions

9. Termination

• You may stop using the Services at any time
• We reserve the right to suspend or terminate your access immediately if you breach these Terms, without prior notice

10. Modifications

We may update these Terms from time to time. Any changes will be posted on this page, and your continued use of the Services constitutes acceptance of the revised Terms.

11. Governing Law

These Terms are governed by the laws of France, without regard to its conflict of laws principles.