Terms and Conditions

1. Introduction

These Terms and Conditions ("Terms") govern your access to and use of the website and services provided by Pumagma ("we", "us", "our"). By accessing or using our services, you agree to be bound by these Terms. If you do not agree, you should not use our website or services.

This is a general template intended for illustrative purposes and should be reviewed and adapted to reflect your specific business operations, applicable laws, and jurisdictional requirements before being relied upon.

2. Eligibility

By using our services, you represent that you are at least 18 years of age and have the legal capacity to enter into a binding agreement. If you are using the services on behalf of an organisation, you represent that you have the authority to bind that organisation to these Terms.

3. Nature of Our Services

Pumagma provides AI-powered data analysis and decision-support tools intended to assist users with risk-aware, passive investment considerations. Our services do not constitute financial, investment, tax, or legal advice, and nothing on this website should be interpreted as a recommendation to buy, sell, or hold any financial instrument.

Any outputs, analyses, or suggestions generated by our tools are provided for informational purposes only. You are solely responsible for any decisions made based on information obtained through our services, and you should seek independent professional advice before making financial decisions.

4. Account Registration

Certain features of our services may require you to create an account. You agree to provide accurate, current, and complete information during registration and to keep such information up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

5. Acceptable Use

You agree not to use our services for any unlawful purpose or in any way that could damage, disable, overburden, or impair our website or infrastructure. You further agree not to attempt to gain unauthorised access to any part of our services, other accounts, or related systems.

• Do not misuse, reverse-engineer, or attempt to extract source code from our platform.
• Do not use automated systems to scrape or harvest data from our website without permission.
• Do not upload malicious code, viruses, or any material that could disrupt our services.
• Do not impersonate any person or entity or misrepresent your affiliation with any party.

6. Intellectual Property

All content, trademarks, logos, software, and materials available through our services are owned by or licensed to Pumagma and are protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without prior written consent.

7. No Guarantee of Results

While we aim to provide useful and accurate tools, Pumagma makes no warranties or guarantees regarding the accuracy, completeness, or reliability of any analysis, projection, or output generated by our services. Investment and financial markets involve inherent risk, and past performance or modelled outcomes are not indicative of future results.

8. Fees and Payment

Where applicable, fees for our services will be disclosed prior to purchase or subscription. You agree to provide accurate billing information and authorise us to charge applicable fees using your chosen payment method. Failure to pay fees when due may result in suspension or termination of your access to paid features.

9. Third-Party Links and Services

Our website may contain links to third-party websites or services that are not owned or controlled by Pumagma. We are not responsible for the content, privacy practices, or terms of any third-party sites, and your use of such sites is at your own risk.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Pumagma and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill, arising from or related to your use of our services, even if we have been advised of the possibility of such damages.

Our total aggregate liability for any claim arising from these Terms or your use of our services shall not exceed the amount you paid to us, if any, in the twelve (12) months preceding the event giving rise to the claim.

11. Indemnification

You agree to indemnify and hold harmless Pumagma and its affiliates from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your use of our services, 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 our services at any time, with or without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties. You may also stop using our services at any time.

13. Changes to These Terms

We may update these Terms from time to time to reflect changes in our services, legal requirements, or business practices. Any updates will be posted on this page with a revised "Last updated" date. Your continued use of our services after changes are posted constitutes 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 Pumagma operates, without regard to conflict of law principles. This section should be reviewed and finalised based on your specific business location and applicable legal advice.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

16. Contact Us

If you have any questions about these Terms and Conditions, please contact us through the details provided on our Contact page.