Terms and Conditions

1. Acceptance of Terms

By accessing or using the Keen Meritorine Service, you confirm that you have read, understood, and agree to be bound by these Terms, together with our Privacy Policy. If you do not agree with any part of these Terms, you must not use the Service.

2. Eligibility

You must be at least 18 years of age and have the legal capacity to enter into binding agreements to use the Service. By using the Service, you represent and warrant that you meet these requirements and that any information you provide to Keen Meritorine is accurate and complete.

3. Description of Service

Keen Meritorine provides software tools, dashboards, and informational content designed to support independent professionals with capital allocation and risk management workflows. The Service is provided for informational and operational support purposes only and does not constitute financial, investment, legal, or tax advice.

4. No Investment Advice

Nothing contained in the Service constitutes a recommendation, solicitation, or offer to buy or sell any financial instrument. Keen Meritorine does not act as a broker, financial adviser, or fiduciary. Any decisions made using insights, data, or tools from the Service are made solely at your own discretion and risk. Capital is at risk, and past performance of any strategy, model, or methodology does not guarantee future results.

5. Account Registration and Security

To access certain features of the Service, you may be required to register for an account. You agree to provide accurate, current, and complete information during registration and to keep this information updated. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You must notify Keen Meritorine immediately of any unauthorized use of your account.

6. Acceptable Use

You agree not to use the Service to:

• Violate any applicable local, national, or international law or regulation.
• Reverse engineer, decompile, or attempt to extract the source code of any part of the Service.
• Interfere with or disrupt the integrity or performance of the Service or its underlying infrastructure.
• Use automated means to access, scrape, or copy content from the Service without prior written consent.
• Misrepresent your identity or impersonate any person or entity.

7. Subscription, Fees, and Payment

Certain features of the Service may require payment of fees as described at the point of purchase. All fees are stated exclusive of applicable taxes unless otherwise noted. Keen Meritorine reserves the right to modify its pricing structure with reasonable advance notice. Failure to pay applicable fees may result in suspension or termination of access to the Service.

8. Intellectual Property

All content, software, trademarks, logos, and materials made available through the Service are the property of Keen Meritorine or its licensors and are protected by applicable intellectual property laws. No right, title, or interest in the Service or its content is transferred to you, other than a limited, non-exclusive, non-transferable license to use the Service in accordance with these Terms.

9. Third-Party Links and Services

The Service may contain links to third-party websites, data sources, or services that are not owned or controlled by Keen Meritorine. We do not endorse and are not responsible for the content, accuracy, or practices of any third-party resources. Your use of any third-party services is subject to their respective terms and policies.

10. 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, non-infringement, or uninterrupted and error-free operation. Keen Meritorine does not warrant that the Service will meet your requirements or that any errors will be corrected.

11. Limitation of Liability

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

12. Indemnification

You agree to indemnify and hold harmless Keen Meritorine and its affiliates from any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your use of the Service or your violation of these Terms.

13. Suspension and Termination

Keen Meritorine reserves the right to suspend or terminate your access to the Service, at its sole discretion, at any time and without notice, including in cases of suspected violation of these Terms, fraudulent activity, or extended inactivity. Upon termination, your right to use the Service will immediately cease.

14. Changes to the Service and Terms

Keen Meritorine may modify, suspend, or discontinue any part of the Service at any time. We may also revise these Terms from time to time. Updated Terms will be posted on this page with a revised "Last updated" date. Your continued use of the Service after such changes constitutes acceptance of the revised Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Keen Meritorine operates, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts of that jurisdiction, unless otherwise required by applicable law.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

17. Contact

If you have any questions regarding these Terms, please refer to the contact details provided elsewhere on this website or through your account dashboard.