Terms of Service

1. Acceptable Use Policy

You agree to use our services only for lawful purposes and in accordance with these Terms. You may not use our services:

• • In any way that violates applicable federal, state, local, or international law or regulation
• • To transmit any material that is defamatory, obscene, or otherwise objectionable
• • To impersonate or attempt to impersonate Fulcrum Point, our employees, another user, or any other person or entity
• • To engage in any conduct that restricts or inhibits anyone's use or enjoyment of our services

2. Permitted Uses

Our services are designed to provide financial analysis and strategic perspective. You may use our services to:

• • Request analytical assessments of your financial situation
• • Receive perspective on financial decision-making frameworks
• • Access informational content about financial analysis methodologies
• • Communicate with us regarding our services through designated channels

3. Prohibited Activities

The following activities are strictly prohibited when using our services:

• • Attempting to gain unauthorized access to any portion of our systems or networks
• • Using automated tools to access, scrape, or collect data from our website
• • Interfering with or disrupting the integrity or performance of our services
• • Copying, modifying, or distributing our content without express written permission

4. Service Access Requirements

To access certain features of our services, you may be required to provide accurate and complete information. You are responsible for maintaining the confidentiality of any account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account or any other breach of security.

8. Service Uptime and Maintenance

We strive to provide reliable and continuous access to our services. However, we do not guarantee that our services will be available at all times or that access will be uninterrupted or error-free. We reserve the right to suspend access to our services for maintenance, updates, or other operational reasons. We will attempt to provide notice of scheduled maintenance when practicable, but we are not obligated to do so.

9. Feature Availability

The features and functionality of our services may vary over time. We reserve the right to modify, suspend, or discontinue any feature of our services at any time without prior notice. We may also impose limits on certain features or restrict access to parts or all of our services without notice or liability. Some features may be subject to additional terms or conditions.

10. Geographic Restrictions

Our services are provided from Switzerland and are intended for use by individuals and entities located worldwide who can legally engage with financial analysis services. However, we make no representation that our services are appropriate or available for use in all locations. Those who access our services from other locations do so at their own initiative and are responsible for compliance with local laws.

11. Service Modifications and Updates

We continuously work to improve our services and may introduce new features, modify existing features, or remove features entirely. We may also update our analytical methodologies, pricing structures, or service delivery methods. While we strive to communicate significant changes to our users, we are not obligated to provide advance notice of all modifications. Your continued use of our services after any modification constitutes your acceptance of such changes.