Legal Terms & Conditions

 

“Artbuild” is a trade name of ArtBuild Design & Renovation corp. , a legal entity duly incorporated under the laws of Canada, with registered address at Fredericton.

All legal, privacy, and complaint notices must be submitted exclusively to: artbuilddrs@gmail.com.

with mark to the legal department.

-Base Complaint Admissibility Filters

Written Form Only

Any complaint, claim, or request must be submitted exclusively in written form. Oral or informal communications have no legal effect.

Language Requirement

Complaints must be submitted solely in the English language, unless otherwise required by mandatory law.

Prescribed Format

Complaints must follow the format prescribed by Artbuild and include all required information.

Identification of Complainant

The complainant must be clearly identified by full legal name and valid contact details.

Proof of User Status

The complainant must provide reasonable evidence of being a direct user of the resource.

No Anonymous Complaints

Anonymous complaints are not accepted and will not be reviewed.

No Collective Complaints

Collective, representative, or class complaints are not accepted to the extent permitted by law.

Standing Limited to Direct Users

Only direct users of the resource have standing to submit a complaint.

No Third-Party Complaints

Complaints submitted by third parties who are not direct users are inadmissible.

Representation by Agent

Complaints submitted through a representative are accepted only if accompanied by valid written authorization.

-Mandatory Pre-Dispute Notice

Any complaint, claim, or dispute arising out of or relating to the use of the resource must be preceded by mandatory written notice to Artbuild.

Such notice is a condition precedent to any legal, regulatory, arbitral, or other formal proceeding, to the maximum extent permitted by applicable law.

Failure to provide mandatory prior notice in accordance with this document constitutes non-compliance with the complaint procedure and results in waiver of the claim to the extent permitted by law.

-Exclusive Communication Channel

All notices and complaints must be submitted exclusively through the single communication channel designated by Artbuild for legal notices.

Submissions through any other channel shall be deemed invalid and ineffective.

Acknowledgement of Receipt

A notice or complaint shall be deemed received only upon written acknowledgement of receipt issued by Artbuild.

No legal effect arises from a notice until such acknowledgement is provided.

Cure Period

Upon receipt of a valid notice, Artbuild shall be afforded a cure period of ten (10) calendar days to review and attempt to resolve the matter informally, unless a shorter or longer period is required by mandatory law.

Stay of Proceedings During Cure Period

During the cure period, the complainant shall refrain from initiating or pursuing any legal, regulatory, arbitral, public, or media action related to the complaint, to the maximum extent permitted by law.

Any action taken in violation of this stay constitutes a material breach of the complaint procedure and may result in waiver of the claim to the extent permitted by law.

 –Duty to Cooperate

During the notice and cure process, the complainant shall cooperate in good faith with Artbuild, including providing reasonably requested information and clarification necessary to assess and address the complaint.

Failure to cooperate may result in suspension or termination of the complaint review.

No Escalation Prior to Expiry

The complainant shall not escalate the complaint to any court, regulator, arbitrator, ombudsperson, media outlet, or third party prior to the expiry of the applicable cure period, to the maximum extent permitted by law.

Waiver for Procedural Non-Compliance

Failure to comply with the mandatory complaint procedure set out in this document, including notice, cooperation, or timing requirements, shall constitute procedural non-compliance and may result in waiver of the complaint or claim to the extent permitted by applicable law.

Effect of Cure

If Artbuild cures the matter within the applicable cure period, such cure shall be deemed full and final resolution of the complaint, and the complainant waives any further claims arising from the same matter, to the extent permitted by law.

 – Procedural Requirements

Clear Statement of Relief Sought

Each complaint must include a clear and specific description of the relief or outcome sought.

General, vague, or unspecified demands render the complaint defective.

Legal Basis of the Complaint

The complaint must clearly identify the legal basis on which it is made, including the specific right, obligation, or provision allegedly violated.

Factual Basis

The complaint must set out a concise and chronological statement of relevant facts supporting the claim.

Conclusory statements without factual support are insufficient.

Date of Discovery

The complainant must state the date on which the alleged issue was first discovered or reasonably should have been discovered.

Confirmation of Timeliness

The complaint must include a statement confirming that it is submitted within the applicable time limits set out in this document, together with an explanation supporting such timeliness.

 Calculation of Alleged Damages

The complaint must include a detailed calculation of the alleged damages, including the method of calculation and the factual basis for each claimed amount.

Speculative, estimated, or unsubstantiated amounts may be disregarded.

Documentary Evidence

All claims must be supported by relevant documentary evidence sufficient to substantiate the allegations and the calculation of damages.

Failure to provide supporting documentation renders the complaint incomplete.

Signature of the Complainant

The complaint must be signed by the complainant or by an authorized representative acting under valid written authorization.

Unsigned complaints are invalid.

Statement of Good Faith

The complaint must include an express statement that it is submitted in good faith, for the purpose of genuine resolution, and not for harassment, pressure, or improper advantage.

Statement of No Abuse

The complaint must include an express statement that it is not frivolous, vexatious, abusive, or brought for an improper purpose, to the best of the complainant’s knowledge and belief.

 – Time Limitations

Short Filing Period

Any complaint must be submitted within thirty (30) days from the date of discovery, unless a longer period is required by mandatory law.

Discovery Rule

The filing period begins to run from the date on which the complainant first discovered or reasonably should have discovered the facts giving rise to the complaint.

Absolute Time Bar

In any event, no complaint may be submitted later than sixty (60) days from the date of the underlying event, to the maximum extent permitted by applicable law.

Waiver of Tolling

The complainant waives any doctrine of tolling, suspension, or extension of the limitation period, except where such waiver is prohibited by mandatory law.

No Continuing Breach

The complainant agrees that any alleged breach or issue shall not be treated as a continuing breach for purposes of extending or renewing the limitation period.

No Class Tolling

Any tolling or suspension of limitation periods based on class, collective, or representative proceedings is expressly excluded to the extent permitted by law.

Waiver Upon Expiry

Failure to submit a complaint within the applicable time limits constitutes an irrevocable waiver of the complaint and any related claims, to the maximum extent permitted by applicable law.

One-Shot Claim Rule

All claims arising out of the same facts, transaction, or use of the resource must be brought in a single complaint.

Any omitted claim is deemed permanently waived.

No Repeat Complaints

Once a complaint has been submitted and resolved, rejected, or withdrawn, no subsequent complaint based on the same or substantially similar facts may be brought.

No Claim Splitting

The complainant is prohibited from splitting claims, damages, or legal theories across multiple complaints, proceedings, or forums.

Any attempt to do so results in waiver of the subsequently asserted claims, to the extent permitted by law.

 –Alternative Dispute Resolution and Escalation Ladder

Mandatory Mediation

Prior to initiating arbitration or court proceedings, the parties shall participate in mandatory mediation in good faith, except where prohibited by mandatory law.

Appointment of Mediator

The mediator shall be appointed by Artbuild, acting reasonably, unless the parties mutually agree otherwise in writing.

Place of Mediation

The mediation shall take place at a location designated by Artbuild, or, at Artbuild’s discretion, by remote or electronic means.

Mediation Period

The mediation process shall commence promptly after the expiry of the cure period and shall continue for a period of no more than thirty (30) days, unless extended by mutual written agreement.

Confidentiality of Mediation

All mediation proceedings, communications, documents, and settlement discussions are strictly confidential and may not be disclosed or relied upon in any subsequent proceeding, except as required by law or for the purpose of enforcing a settlement.

 –Arbitration-First

Except where prohibited by mandatory law, any dispute not resolved through mediation shall be resolved exclusively by binding arbitration as the first and primary forum.

Exclusion of Courts

The parties waive recourse to courts for the resolution of disputes, except to the extent required to enforce arbitration, seek interim injunctive relief, or where arbitration is not permitted by mandatory law.

No Class or Collective Arbitration

Arbitration shall be conducted on an individual basis only.

Class, collective, representative, or consolidated arbitration proceedings are expressly prohibited to the maximum extent permitted by law.

Composition of the Arbitral Tribunal

The arbitration shall be conducted by a single arbitrator, appointed in accordance with the applicable arbitration rules, possessing relevant legal and commercial experience.

No arbitrator lacking such qualifications may be appointed.

Language and Governing Law of Arbitration

The arbitration shall be conducted in the English language.

The arbitration shall be governed by and decided in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, excluding conflict-of-law principles.

 – Content Limitations

Prohibition of Emotional Statements

Complaints must be presented in a neutral, factual, and professional manner.

Emotional, accusatory, or inflammatory language may be disregarded and render the complaint defective.

Legal Arguments Only

Complaints shall contain only legal and factual arguments relevant to the alleged issue.

Non-legal opinions, personal beliefs, or subjective characterizations are not considered.

Exclusion of Moral or Ethical Judgments

Moralizing statements, value judgments, or ethical commentary unrelated to a legal obligation are excluded and have no procedural relevance.

Exclusion of Reputational Claims

Claims relating to reputation, goodwill, public perception, or alleged harm to image or standing are expressly excluded, to the maximum extent permitted by law.

Exclusion of Speculative or Future Hypotheses

Complaints may not be based on hypothetical, speculative, contingent, or future scenarios.

Only actual, realized, and legally cognizable issues may be asserted.

-Exclusion of Speculative Damages

Claims for speculative, estimated, contingent, or hypothetical damages are expressly excluded and shall not be considered.

Exclusion of Consequential Damages

Claims for indirect or consequential damages, including loss of profits, loss of business opportunities, or business interruption, are excluded to the maximum extent permitted by applicable law.

Exclusion of Punitive or Exemplary Damages

Claims for punitive, exemplary, or aggravated damages are excluded, except where such exclusion is prohibited by mandatory law.

Exclusion of Statutory Multiples

Any claim seeking statutory multipliers, enhanced damages, or penalty-based recovery is excluded to the extent such exclusion is permitted by applicable law.

Exclusion of Disgorgement

Claims seeking disgorgement, restitution of profits, or accounting of gains are expressly excluded, except where mandatory law requires otherwise.

 – Financial Filters

Liability Cap

To the maximum extent permitted by applicable law, Artbuild’s liability in connection with any complaint or claim is contractually limited as set out in this document.

Aggregate Cap

Any liability of Artbuild, if established, shall be subject to an aggregate cap, applying cumulatively to all claims, complaints, and proceedings arising out of or relating to the use of the resource.

Mandatory Law Floor

Nothing in this document limits liability below the minimum level required by applicable mandatory law.

Where liability cannot be excluded, it shall be limited to the lowest amount permitted by law.

No Insurance Obligation

Artbuild has no obligation to maintain insurance for the benefit of users or complainants, and the absence or presence of insurance shall not increase or affect liability.

Costs Shifting

To the extent permitted by applicable law, Artbuild may recover reasonable costs and expenses, including legal fees, incurred in responding to complaints that are unfounded, procedurally defective, abusive, or brought in bad faith.

Loser Pays

To the maximum extent permitted by applicable law, the unsuccessful party shall bear the reasonable costs of the successful party, including legal fees and disbursements.

Security for Costs

Artbuild may require the complainant to post security for costs in an amount reasonably determined by Artbuild or the adjudicating body, where permitted by law.

Failure to provide such security may result in suspension or dismissal of the complaint.

Prohibition of Contingency Uplift

Any contingency fee uplift, success fee, multiplier, or premium is expressly excluded and shall not be recoverable from Artbuild, to the extent permitted by law.

No Fee Recovery Beyond Cap

Recovery of any fees, costs, or expenses is subject to and may not exceed the applicable liability cap set out in this document, except where mandatory law requires otherwise.

No Interest Accrual

No pre-judgment or post-judgment interest shall accrue on any amount claimed or awarded against Artbuild, except where such exclusion is prohibited by mandatory law.

– Behavioural Restrictions

Good-Faith Requirement

All complaints and related communications must be submitted and pursued in good faith, solely for the purpose of genuine dispute resolution.

Bad-faith conduct may result in rejection of the complaint.

Prohibition of Abuse

Complaints that are frivolous, vexatious, repetitive, or abusive are prohibited and may be dismissed without substantive review.

Prohibition of Harassment

Any form of harassment, including repeated, excessive, or hostile communications directed at Artbuild, its employees, contractors, or representatives, is strictly prohibited.

Prohibition of Pressure

The use of undue pressure, coercive tactics, or attempts to force a particular outcome outside the prescribed procedure is prohibited.

Prohibition of Threats

Any threats, including legal, regulatory, reputational, or personal threats made outside the established complaint process, constitute a material breach of this document and may result in immediate termination of the complaint process, to the extent permitted by law.

 –Prohibition of Public Statements

Prior to final resolution of a complaint, the complainant shall refrain from making any public statements, disclosures, reviews, or communications regarding the complaint, including on social media, to the maximum extent permitted by applicable law.

Confidentiality of the Resolution Process (NDA)

All aspects of the complaint process, including submissions, communications, negotiations, and mediation, are confidential and shall not be disclosed to any third party except as required by law or for the purpose of enforcing a settlement.

Confidential Settlement

Any settlement or resolution reached shall be strictly confidential, including its existence and terms, except where disclosure is required by mandatory law.

Non-Disparagement

The complainant agrees not to make or publish any false, misleading, or disparaging statements about Artbuild, its business, personnel, or services in connection with the complaint, to the extent permitted by law.

Sanctions for Breach

Violation of any behavioural restriction constitutes a material breach of this document and may result in sanctions, including dismissal of the complaint, suspension of access, recovery of costs, or other remedies permitted by law.

 –Public and Regulatory Complaints

Informal Resolution First

Prior to submitting any complaint to a regulator or public authority, the complainant shall first seek informal resolution through the internal complaint procedure set out in this document, to the maximum extent permitted by applicable law.

Notice Before Regulator

Where permitted by law, the complainant shall provide prior written notice to Artbuild of any intended submission to a regulator or public authority and allow a reasonable opportunity to address the matter.

Duty to Cooperate

In connection with any regulatory or public inquiry, the complainant shall cooperate in good faith, including providing accurate information and avoiding misleading or incomplete disclosures.

Narrow Scope of Disclosure

Any disclosure to a regulator or public authority shall be limited strictly to the information required for the specific inquiry and shall not include extraneous, speculative, or unrelated allegations.

No Media Contact

The complainant shall refrain from contacting or engaging with media outlets in relation to the complaint or inquiry, to the maximum extent permitted by applicable law.

No Parallel Proceedings

The complainant shall not initiate or pursue parallel or simultaneous proceedings concerning the same subject matter in multiple forums, to the maximum extent permitted by applicable law.

Anti-Duplication Clause

The complainant shall not duplicate, refile, or restate the same complaint, allegations, or issues across different authorities, processes, or submissions. Any such duplication may result in dismissal of the complaint.

Priority of Private Resolution

The parties agree that private and confidential resolution mechanisms set out in this document take priority over public or regulatory escalation, except where mandatory law requires otherwise.

Waiver of Publicity Rights

To the extent permitted by law, the complainant waives any right to publicize the existence, content, or status of a complaint or related process prior to final resolution.

Controlled Communications

All communications relating to a complaint shall be limited, factual, and controlled, and may be made only through the channels and representatives designated by Artbuild, except where disclosure is required by law.

 –Substantive Exclusions of Responsibility

No Advice Reliance

The resource is provided for general informational purposes only.

No content constitutes advice, and no reliance on the resource is permitted or created.

User Decision Responsibility

All decisions, actions, and omissions taken in connection with the resource are made solely by the user.

Artbuild bears no responsibility for outcomes resulting from such decisions.

Regulatory Compliance on User

The user is solely responsible for determining and complying with all applicable laws, regulations, standards, and requirements relevant to their use of the resource.

Data Accuracy on User

The user is responsible for verifying the accuracy, completeness, and suitability of any data, information, or outputs obtained from the resource before use.

Assumption of Risk

The user assumes all risks associated with access to and use of the resource, including legal, financial, technical, and commercial risks, to the maximum extent permitted by applicable law.

 

No Duty to Warn

Artbuild has no duty to warn users of risks, errors, omissions, or potential consequences associated with use of the resource, except where such duty cannot be excluded by mandatory law.

No Duty to Update

Artbuild has no obligation to update, correct, or supplement the resource or to notify users of changes in law, practice, or circumstances.

No Duty to Verify

Artbuild has no obligation to verify user inputs, assumptions, interpretations, calculations, or intended use of the resource.

No Professional Standard

No professional or industry standard of care is created or implied.

Use of the resource does not establish any advisory, consulting, or professional relationship.

No Outcome Guarantee

Artbuild makes no guarantee of results or outcomes of any kind.

Any expectations regarding success, compliance, savings, or benefits are expressly disclaimed.

 –User Representations and Acknowledgements

Sophisticated User Representation

The user represents and warrants that they possess sufficient knowledge, experience, and resources to evaluate the resource and its risks independently.

Independent Assessment Representation

The user represents that they have conducted, or will conduct, an independent assessment of the information and its suitability for their purposes.

No Reliance Representation

The user expressly represents that they do not rely on the resource as advice or as a basis for any decision.

No Expectation Representation

The user represents that they have no expectation of accuracy, completeness, updates, outcomes, or fitness for any particular purpose beyond what is expressly stated.

Acceptance of Limits

The user acknowledges and accepts all limitations, exclusions, and conditions set out in this document.

Acceptance of Liability Cap

The user expressly acknowledges and accepts the applicable liability cap and risk allocation as fair and reasonable in the circumstances.

 

Acceptance of Procedure

The user expressly acknowledges and accepts the mandatory complaint handling procedure set out in this document as the exclusive process for raising and resolving complaints.

Acceptance of ADR

The user expressly acknowledges and agrees to the alternative dispute resolution mechanisms, including mediation and arbitration, as binding and enforceable, except where prohibited by mandatory law.

Acceptance of Costs Risk

The user acknowledges and accepts the risk of bearing costs, fees, and expenses arising from complaints or disputes, including the application of cost-shifting and “loser pays” principles, to the extent permitted by law.

Acceptance of Waiver Scope

The user expressly acknowledges and accepts the scope and effect of all waivers, exclusions, and limitations contained in this document, as fair, reasonable, and necessary for access to the resource.

 –Technical and Platform Limitations

No Uptime Guarantee

Artbuild makes no guarantee regarding availability, uptime, continuity, or uninterrupted access to the resource.

Temporary or permanent interruptions may occur without notice.

No Compatibility Guarantee

Artbuild makes no representation or warranty that the resource will be compatible with any specific device, software, system, browser, or configuration.

No Data Retention Duty

Artbuild has no obligation to retain, store, archive, or back up any data, submissions, or communications related to the use of the resource, except where required by mandatory law.

No Audit Duty

Artbuild has no obligation to conduct audits, reviews, or assessments of the resource, its outputs, or user activity for the benefit of users.

No Evidence Preservation

Artbuild has no duty to preserve evidence, logs, records, or materials for the purpose of potential disputes, complaints, or proceedings, except where such duty is imposed by mandatory law.

 

No Logging Obligation

Artbuild has no obligation to log, monitor, record, or retain user activity, communications, access history, or technical events, except where required by mandatory law.

No Support Obligation

Artbuild has no obligation to provide support, assistance, troubleshooting, explanations, or responses beyond what is expressly stated.

No Customization

The resource is provided “as is” and not customized for any specific user, project, industry, jurisdiction, or use case.

No Localization

Artbuild has no obligation to localize the resource for language, legal regime, regulatory requirements, or regional practices.

No Continuity Obligation

Artbuild has no obligation to continue operating, maintaining, or offering the resource or any feature thereof for any period of time.

 –Structural Safeguards

Sever ability

If any provision of this document is held to be invalid, illegal, or unenforceable, such provision shall be severed, and the remaining provisions shall remain in full force and effect.

Blue-Pencil Rule

To the extent permitted by law, any invalid or unenforceable provision shall be modified or limited to the minimum extent necessary to render it valid and enforceable, while preserving the original intent as closely as possible.

Savings Clause

The failure of any provision to apply in a particular circumstance shall not affect its application in any other circumstance, nor affect any other provision of this document.

Mandatory-Law Override

Nothing in this document excludes, limits, or modifies any right, obligation, or liability that cannot be excluded under applicable mandatory law.

All provisions shall be interpreted and applied subject to such mandatory requirements.

Consumer Carve-Out

Where the user qualifies as a consumer under applicable law, any non-waivable statutory consumer rights and remedies shall apply notwithstanding this document.

 

Fraud and Gross Negligence Carve-Out

Nothing in this document excludes or limits liability for fraud, wilful misconduct, or gross negligence to the extent such exclusion or limitation is prohibited by applicable law.

Survival

All provisions which by their nature should survive termination or cessation of use—including disclaimers, limitations of liability, indemnities, dispute resolution, confidentiality, and governing law—shall survive indefinitely, to the maximum extent permitted by law.

Entire Agreement

This document constitutes the entire agreement between the parties regarding the subject matter hereof and supersedes all prior or contemporaneous communications, representations, or understandings, whether written or oral.

No Waiver

Any failure or delay by Artbuild to enforce any provision shall not constitute a waiver of that provision or of any other provision.

Interpretation in Favor of Disclaimers

In the event of ambiguity, this document shall be interpreted to give maximum effect to disclaimers, limitations, exclusions, and risk-allocation provisions, to the extent permitted by applicable law.

 

XIV. Process Control

Sole Discretion on Handling

Artbuild retains sole and exclusive discretion to manage, administer, sequence, and determine the handling of any complaint in accordance with this document, subject to mandatory law.

Right to Reject Defective Complaints

Artbuild may reject, dismiss, or return any complaint that is incomplete, non-compliant, abusive, or procedurally defective, without substantive review.

Right to Consolidate Complaints

Artbuild may consolidate multiple complaints arising out of the same or related facts, transactions, or use of the resource into a single process or determination.

Right to Suspend Access

Artbuild may suspend access to the resource during the pendency of a complaint where reasonably necessary to protect its interests, systems, personnel, or the integrity of the process, to the extent permitted by law.

Right to Terminate Access

Artbuild may terminate access to the resource for material breach of this document, abusive conduct, or misuse of the complaint process, subject to mandatory law.

 

Right to Terminate Access

Artbuild may terminate access to the resource for material breach, misuse of the complaint process, or abusive conduct, subject to mandatory law.

Right to Amend Procedures

Artbuild may amend, update, or modify complaint-handling procedures from time to time.

Amendments apply prospectively and are effective upon publication or notice, to the extent permitted by law.

Right to Change Contacts

Artbuild may change designated contacts, channels, or points of receipt for complaints and legal notices at its discretion.

Use of outdated contacts does not constitute valid notice.

Right to Settle Unilaterally

Artbuild may, at its discretion, offer or implement a unilateral settlement or cure without admission of liability, where permitted by law.

Right to Refuse Settlement

Artbuild may refuse any settlement proposal and is not obligated to negotiate or accept terms proposed by the complainant.

Right to Escalate to Arbitration

Where mediation fails or is deemed impracticable, Artbuild may escalate the matter to binding arbitration in accordance with this document, subject to mandatory law.

 

1. Final Blockers

No Third-Party Beneficiary

Nothing in this document is intended to confer any rights or remedies upon any third party.

Only Artbuild and the direct user may assert rights under this document.

No Estoppel

No action, inaction, delay, or prior conduct by Artbuild shall operate as an estoppel or prevent Artbuild from enforcing this document in the future.

No Precedent Creation

Any handling, resolution, accommodation, or settlement of a complaint shall not create a precedent, custom, expectation, or obligation for any future matter.

No Implied Obligations

No duties, obligations, representations, or warranties are implied by law, conduct, usage, or trade practice beyond those expressly stated and those mandated by law.

Maximum Legal Construction

This document shall be interpreted and applied to give maximum legal effect to disclaimers, limitations, exclusions, and risk-allocation provisions, to the fullest extent permitted by applicable law.

 

Waiver of Unknown Claims

To the maximum extent permitted by applicable law, the user waives any claims, whether known or unknown, suspected or unsuspected, arising out of or relating to the use of the resource, except for claims that cannot be waived by mandatory law.

Exclusive Remedy

The procedures and remedies expressly set out in this document constitute the sole and exclusive remedies available to the user in connection with any complaint or dispute, to the extent permitted by applicable law.

Survival of Absolute Time Bars

All contractual limitation periods, time bars, and filing deadlines set out in this document survive termination of access or cessation of use and continue to apply to any claim or complaint.

Perpetual Risk Allocation

The allocation of risks, disclaimers, limitations of liability, and waivers set out in this document apply perpetually to all use of the resource, past, present, and future, to the maximum extent permitted by law.

Final Supremacy Clause

In the event of any conflict or inconsistency, this document shall prevail over all other policies, statements, communications, or understandings, except where mandatory law requires otherwise.

 

Responsibility for Reading and Understanding

The user acknowledges and agrees that it is their sole responsibility to read this document in full, to understand its terms, and to seek independent advice if necessary.

Failure to read, review, or understand this document does not relieve the user of any obligation, waiver, limitation, or risk allocation set out herein.

The user expressly confirms that acceptance of this document is informed, voluntary, and deliberate, and that no reliance is placed on any explanation, summary, or interpretation not expressly contained in the text of this document.

By accessing or remaining on the website, the user acknowledges that they are responsible for familiarizing themselves with this document.

The applicability and enforceability of these terms do not depend on whether the user has actually reviewed them, to the extent permitted by law.

 

TERMS OF USE

By accessing, browsing, or remaining on this website, the user agrees to these Terms of Use.

The website and all content are provided for general informational purposes only and do not constitute advice of any kind.

The user is solely responsible for all decisions, actions, and consequences arising from use of the website.

No reliance on any content is created or permitted.

The user is responsible for verifying accuracy, completeness, and applicability of any information.

The website is provided “as is” and “as available,” without warranties of any kind.

There is no guarantee of availability, continuity, compatibility, updates, or results.

The company has no duty to warn, update, verify, support, customize, localize, or preserve data or records.

All risks associated with use of the website are assumed by the user to the maximum extent permitted by law.

Liability of the company is limited to the minimum amount required by applicable mandatory law.

The company is not liable for indirect, consequential, punitive, or speculative damages to the extent permitted by law.

The user agrees to indemnify the company against claims arising from use of the website.

Any complaint must follow the mandatory complaint procedure designated by the company.

Alternative dispute resolution applies prior to any court action, except where prohibited by law.

Access to the website may be suspended or terminated at the company’s discretion, subject to mandatory law.

These Terms constitute the entire agreement regarding use of the website.

Failure to enforce any provision does not constitute a waiver.

If any provision is unenforceable, the remainder remains in effect.

Mandatory consumer or statutory rights, where applicable, are not excluded.

Continued use of the website constitutes ongoing acceptance of these Terms.