Terms and Conditions

1. Acceptance of Terms

By accessing this website or using any of the analytics tools, reports, or communications provided by Phuong Kim Loc, you confirm that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. These Terms apply to all visitors, users, and others who access the service.

2. Description of Service

Phuong Kim Loc provides AI-assisted predictive analytics intended to support portfolio research and decision-making. Outputs, scores, and materials made available through the site are informational in nature and are not personalized investment advice, a recommendation to buy or sell any instrument, or a guarantee of future performance.

3. No Financial Advice

Nothing on this website or in any communication from Phuong Kim Loc should be construed as financial, legal, tax, or investment advice. You are solely responsible for evaluating the merits and risks associated with any decision made using information obtained from our services. We strongly encourage consultation with a licensed financial advisor before making investment decisions.

4. Eligibility and Account Use

You must be of legal age in your jurisdiction of residence to use this service. If any account or request form is submitted, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of any credentials associated with your use of the site.

5. Acceptable Use

You agree not to misuse the service, including but not limited to: attempting unauthorized access to systems or data, interfering with the normal operation of the site, reverse-engineering proprietary tools, scraping content without permission, or using the service for unlawful purposes.

6. Intellectual Property

All content on this site, including text, graphics, logos, methodology descriptions, and software, is the property of Phuong Kim Loc or its licensors and is protected by applicable intellectual property laws. No license or right is granted to you except the limited right to access the site for its intended purpose.

7. Third-Party Links and Services

Our site may reference or link to third-party services, data sources, or websites. Phuong Kim Loc does not control and is not responsible for the content, accuracy, or practices of any third party. Inclusion of any link does not imply endorsement.

8. Disclaimer of Warranties

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, accuracy, or non-infringement. Phuong Kim Loc does not warrant that the service will be uninterrupted, error-free, or free of harmful components.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Phuong Kim Loc, its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from your use of or inability to use the service, even if advised of the possibility of such damages.

10. Indemnification

You agree to indemnify and hold harmless Phuong Kim Loc and its representatives from any claims, damages, liabilities, and expenses arising out of your use of the service, your violation of these Terms, or your violation of any rights of a third party.

11. Modifications to the Service and Terms

Phuong Kim Loc reserves the right to modify, suspend, or discontinue any part of the service at any time without notice. We may also revise these Terms periodically. Continued use of the service after changes are posted constitutes acceptance of the revised Terms.

12. Termination

We may suspend or terminate your access to the service at our discretion, without prior notice, for conduct that we believe violates these Terms or is otherwise harmful to other users, third parties, or Phuong Kim Loc.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction where Phuong Kim Loc operates, without regard to conflict of law principles. Specific jurisdictional details should be confirmed and inserted following legal review.

14. Severability

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

15. Contact

Questions regarding these Terms may be directed through the contact channels listed on our Contact page.