Terms of Service

For the purpose of these Terms of Service:

• "Platform" refers to the Zirdle financial data and research platform, including the website, mobile applications, APIs, and related services.
• "User" refers to any individual or entity that accesses or uses the Platform.
• "Services" refers to all features, functions, and offerings provided through the Platform.
• "Research Tier" refers to categorized financial data sets available on the Platform, each offering different levels of research depth and market coverage.
• "Digital Assets" refers to cryptocurrencies, tokens, and other blockchain-based assets that the Platform tracks, analyzes, and provides data on.
• "Company" "Company", "we", "us", or "our" refers to Zirdle Limited and its subsidiaries and affiliates.

By accessing or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these terms, you must not access or use the Platform.

We reserve the right to modify these terms at any time. Any changes will be effective immediately upon posting the updated terms on the Platform. Your continued use of the Platform after such changes constitutes your acceptance of the modified terms.

We will make reasonable efforts to notify you of significant changes to these terms, but it is your responsibility to review them periodically.

To access and use the Platform, you must:

• Be at least 18 years of age or the age of legal majority in your jurisdiction, whichever is higher;
• Have the legal capacity to enter into a binding agreement;
• Meet applicable eligibility requirements as defined by applicable laws and regulations;
• Not be a resident of or located in any jurisdiction where the use of the Platform would be prohibited;
• Not be subject to economic or trade sanctions administered or enforced by any governmental authority.

By using the Platform, you represent and warrant that you meet all eligibility requirements. We reserve the right to request verification of your eligibility status at any time.

To access certain features of the Platform, you must create an account. When registering, you agree to:

• Provide accurate, current, and complete information;
• Maintain and promptly update your account information;
• Keep your account credentials confidential;
• Be solely responsible for all activities that occur under your account;
• Notify us immediately of any unauthorized use of your account or any other breach of security.

We reserve the right to suspend or terminate your account if any information provided during registration or thereafter proves to be inaccurate, incomplete, or fraudulent.

You may not transfer or assign your account to any other person or entity without our prior written consent.

The Platform provides access to financial data, research tools, and educational resources related to global credit markets. Our services include:

• Access to financial data and analytics across international credit markets;
• Market tracking and research tools;
• Performance analytics and reporting;
• Educational resources and market insights.

We reserve the right to modify, suspend, or discontinue any aspect of the Services at any time without prior notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Services.

The availability of the Services may be affected by factors beyond our control, including technical difficulties, market conditions, or regulatory restrictions.

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Financial markets involve significant risks. The information provided on this Platform is for educational and informational purposes only and does not constitute investment advice. By using the Platform, you acknowledge the following financial market risks:

• Market Risk: The value of financial assets may fluctuate and can go down as well as up. Past performance is not indicative of future results.
• Liquidity Risk: Financial assets may not be readily convertible to cash without a substantial loss in value.
• Credit Risk: Participants in credit markets may face default events that affect the value of financial instruments.
• Regulatory Risk: Changes in laws and regulations may adversely affect the value of financial assets or the operation of the Platform.
• Technology Risk: The Platform relies on blockchain and other technologies that may be subject to technical difficulties or security breaches.
• Counterparty Risk: The failure of trading partners, custodians, or other service providers may impact financial outcomes.

The data and research provided on this Platform are for informational purposes only and should not be considered investment advice. We recommend consulting with a qualified financial advisor before making any financial decisions.

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Platform;
• Any conduct or content of any third party on the Platform;
• Any content obtained from the Platform;
• Unauthorized access, use, or alteration of your transmissions or content;
• Financial losses or market fluctuations;
• System failures, interruptions, or downtime.

Our total liability to you for any claim arising from or relating to these Terms of Service or the Platform shall not exceed the amount paid by you to us during the six (6) month period preceding such claim.

We may terminate or suspend your account and access to the Platform immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms of Service.

You may terminate your account at any time by following the instructions on the Platform. Upon termination, your right to use the Platform will immediately cease.

All provisions of these Terms of Service which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Upon termination, your account data will be processed according to our standard procedures, subject to applicable legal requirements and data protection regulations.

These Terms of Service shall be governed by and construed in accordance with the laws of Delaware, United States, without regard to its conflict of law provisions.

Any dispute arising from or relating to these Terms of Service or the Platform shall be resolved exclusively through binding arbitration in accordance with the rules of American Arbitration Association in Wilmington, Delaware, United States.

You agree to submit to the personal jurisdiction of the courts located in Delaware, United States for the purpose of litigating all such claims or disputes to the extent permitted by law.

Any cause of action or claim you may have arising out of or relating to these Terms of Service or the Platform must be commenced within one (1) year after the cause of action accrues, otherwise, such cause of action or claim is permanently barred.