Terms and Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") govern your access to and use of the Essor Luxent website, tools, and any related services (collectively, the "Service"). By using the Service, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you should not use the Service.

2. Description of the Service

Essor Luxent provides data-driven liquidity analysis tools intended to support small business owners in reviewing and interpreting financial information. The Service is provided for informational purposes only and does not constitute financial, legal, tax, or investment advice. Any decisions made based on outputs generated by the Service are made at your own discretion and risk.

3. Eligibility

The Service is intended for use by business owners, authorized representatives, and professionals acting on behalf of a business. By using the Service, you represent that you have the legal authority to enter into these Terms on behalf of yourself or the entity you represent.

4. Account Registration and Security

Certain features of the Service may require you to create an account or submit business information. You agree to provide accurate, current, and complete information and to keep such information up to date. You are responsible for maintaining the confidentiality of any login credentials and for all activity that occurs under your account.

5. Acceptable Use

When using the Service, you agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable regulation;
• Attempt to gain unauthorized access to any part of the Service, servers, or connected systems;
• Reverse engineer, decompile, or otherwise attempt to extract the underlying methodology or source code of the Service;
• Upload or transmit data that infringes on the rights of any third party;
• Interfere with or disrupt the integrity or performance of the Service.

6. Data and Content Submitted by You

Any financial data, business information, or other content you submit through the Service remains your property. By submitting such data, you grant Essor Luxent a limited license to process, store, and analyze it solely for the purpose of providing the Service to you. You are solely responsible for ensuring you have the right to submit any data you provide.

7. No Financial Advice Disclaimer

Essor Luxent is an analytical tool, not a licensed financial advisor, accountant, or legal professional. Outputs, metrics, and insights generated by the Service are based on the data provided and general analytical logic; they should not be treated as a substitute for professional advice tailored to your specific circumstances. We recommend consulting a qualified professional before making material financial decisions.

8. Intellectual Property

All content, design elements, trademarks, logos, and underlying technology associated with the Service are the property of Essor Luxent or its licensors and are protected by applicable intellectual property laws. Nothing in these Terms grants you any right, title, or interest in such materials beyond the limited right to use the Service as intended.

9. Service Availability

We aim to keep the Service available and operational; however, we do not guarantee uninterrupted or error-free access. The Service may be temporarily unavailable due to maintenance, updates, technical issues, or circumstances beyond our reasonable control. We reserve the right to modify, suspend, or discontinue any part of the Service at any time without prior notice.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Essor Luxent and its affiliates shall not be liable for any indirect, incidental, consequential, or special damages arising out of or related to your use of, or inability to use, the Service. This includes, without limitation, loss of profits, data, business opportunities, or goodwill, even if we have been advised of the possibility of such damages. The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied.

11. Indemnification

You agree to indemnify and hold harmless Essor Luxent, its owners, employees, and affiliates from any claims, damages, liabilities, and expenses arising from your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

12. Termination

We reserve the right to suspend or terminate your access to the Service at our discretion, with or without notice, if we believe you have violated these Terms or engaged in conduct that may harm the Service, other users, or third parties. You may also discontinue use of the Service at any time.

13. Changes to These Terms

We may update these Terms from time to time to reflect changes in our practices, the Service, or applicable requirements. Any updates will be posted on this page with a revised "Last updated" date. Continued use of the Service after changes are posted constitutes your acceptance of the revised Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Essor Luxent operates, without regard to conflict of law principles. [Insert specific governing law and jurisdiction details as applicable.]

15. Severability

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

16. Contact

For questions regarding these Terms and Conditions, please refer to the contact information provided elsewhere on our website.