Terms of Service

1. Eligibility

By using the Site, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. If you use the Site on behalf of an organization, you represent that you are authorized to bind that organization to these Terms.

2. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Last Updated" date above. Material changes will take effect upon posting, and your continued use of the Site after changes become effective constitutes your acceptance of the revised Terms. If you do not agree to the changes, you should stop using the Site.

3. Permitted Use and Prohibited Conduct

You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

• Infringe the rights of any third party
• Violate any applicable law or regulation
• Transmit any malicious code, virus, or other harmful content
• Attempt to gain unauthorized access to any part of the Site, its systems, or related networks
• Interfere with or disrupt the integrity or performance of the Site
• Scrape, harvest, or collect data from the Site by automated means without our prior written consent
• Use the Site to send unsolicited communications or to impersonate any person or entity

4. Intellectual Property

All content on the Site, including text, graphics, images, logos, trademarks, and software, is the property of Calverda LLC or its licensors and is protected by applicable intellectual property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and view the content for your personal, non-commercial use. Any other use requires our prior written permission. All rights not expressly granted are reserved.

5. User Submissions and Feedback

If you submit any ideas, suggestions, or feedback to us ("Feedback"), you grant Calverda LLC a perpetual, worldwide, royalty-free, irrevocable, and sublicensable license to use, reproduce, modify, publish, and distribute that Feedback for any purpose without any obligation or compensation to you. You represent that you have the right to provide any Feedback you submit.

6. Third-Party Links and Services

The Site may contain links to third-party websites or services that are not owned or controlled by Calverda LLC. We do not endorse and are not responsible for the content, products, services, or practices of any third parties. Your use of third-party websites and services is at your own risk and subject to their terms.

7. Disclaimers

The Site and its content are provided "as is" and "as available" without warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Site will be uninterrupted, secure, error-free, or free of viruses or other harmful components, or that any information on the Site is accurate, complete, or current. Nothing on the Site constitutes professional, legal, financial, or investment advice.

8. Limitation of Liability

To the fullest extent permitted by law, Calverda LLC and its affiliates, officers, directors, agents, contractors, and representatives will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or relating to your use of, or inability to use, the Site. To the fullest extent permitted by law, our total aggregate liability arising out of or relating to these Terms or the Site will not exceed one hundred U.S. dollars (US$100). Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

9. Indemnification

You agree to indemnify, defend, and hold harmless Calverda LLC and its affiliates, officers, directors, agents, contractors, and representatives from and against any claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to your use of the Site, your Feedback, or your violation of these Terms or applicable law.

10. Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

11. Termination

We may suspend or terminate your access to the Site at any time, with or without notice, if we believe you have violated these Terms or engaged in conduct that is harmful to the Site, to us, or to others. Provisions that by their nature should survive termination will survive, including intellectual property, disclaimers, limitation of liability, indemnification, and governing law.

12. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles. Before initiating any formal proceeding, you agree to first contact us and attempt to resolve the dispute informally in good faith. Any dispute that cannot be resolved informally will be subject to the exclusive jurisdiction of the state and federal courts located in New York, New York, and you consent to personal jurisdiction in those courts.

13. General

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Calverda LLC regarding the Site and supersede any prior agreements. If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any provision is not a waiver of that provision. You may not assign these Terms without our prior written consent; we may assign them freely. The section headings are for convenience only and have no legal effect.

14. Contact Information

If you have any questions about these Terms, please contact us at: