Terms and Conditions

1. Acceptance of Terms

By accessing or using the Verruilschap website, platform, or any associated services (collectively, the "Services"), you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use the Services. Verruilschap reserves the right to update or modify these Terms at any time, and such changes will be effective upon posting to this page.

2. Description of Services

Verruilschap provides predictive data analysis, risk-weighted recommendations, and related informational tools intended for small business owners and private investors. The Services are provided for informational purposes only and do not constitute financial, legal, tax, or investment advice. Any decisions made based on information provided through the Services are made at your own discretion and risk.

3. Eligibility

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

4. User Accounts

Certain features of the Services may require you to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify Verruilschap immediately of any unauthorized use of your account. Verruilschap is not liable for any loss or damage arising from your failure to protect your account information.

5. No Financial or Investment Advice

Nothing provided through the Services should be construed as a recommendation to buy, sell, or hold any investment, security, or financial product. Verruilschap does not act as a financial advisor, broker, or fiduciary. All performance data, risk assessments, and analytical outputs are based on historical and modeled data and do not guarantee future results. You should consult a qualified professional advisor before making any financial or business decisions.

6. Acceptable Use

You agree not to use the Services in any manner that:

• Violates any applicable law, regulation, or third-party right;
• Involves the transmission of malicious code, unauthorized data collection, or any attempt to disrupt the integrity of the Services;
• Attempts to reverse-engineer, decompile, or otherwise extract the underlying methodology or source code of the Services;
• Misrepresents your identity or affiliation with any person or entity;
• Involves commercial resale or redistribution of data or outputs obtained through the Services without prior written consent.

7. Intellectual Property

All content, software, trademarks, logos, and materials associated with the Services, including but not limited to text, graphics, analytical frameworks, and design elements, are the property of Verruilschap or its licensors and are protected by applicable intellectual property laws. No license or right is granted to you except for the limited right to use the Services in accordance with these Terms.

8. Fees and Payment

Certain Services may require payment of fees as disclosed at the time of purchase. All fees are stated exclusive of applicable taxes unless otherwise indicated. Failure to pay applicable fees may result in suspension or termination of your access to the Services. Specific billing terms, where applicable, will be provided separately at the point of transaction.

9. Disclaimers

The Services are 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, accuracy, or non-infringement. Verruilschap does not warrant that the Services will be uninterrupted, error-free, or free of harmful components. Any reliance you place on information provided through the Services is strictly at your own risk.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Verruilschap and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities, arising out of or in connection with your use of or inability to use the Services, even if advised of the possibility of such damages.

11. Indemnification

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

12. Third-Party Links and Services

The Services may contain links to third-party websites or integrate with third-party tools that are not owned or controlled by Verruilschap. We are not responsible for the content, privacy policies, or practices of any third-party websites or services. Your interactions with any third party accessed through the Services are solely between you and that third party.

13. Termination

Verruilschap reserves the right to suspend or terminate your access to the Services at any time, with or without notice, for conduct that violates these Terms or is otherwise harmful to other users, third parties, or the business interests of Verruilschap. Upon termination, your right to use the Services will immediately cease.

14. Governing Law

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

15. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

16. Changes to These Terms

We may revise these Terms from time to time. Material changes will be indicated by updating the "Last updated" date at the top of this page. Your continued use of the Services after any such changes constitutes your acceptance of the revised Terms.

17. Contact

If you have questions regarding these Terms, please refer to the contact details provided elsewhere on this website or in your service agreement with Verruilschap.