These terms and conditions govern your access to and use of the website, research materials, and analytical services provided by Nianziotradpavcydovo. By accessing or using any part of this website, you acknowledge that you have read, understood, and agree to be bound by these terms. If you do not agree with any provision, you must discontinue use immediately.

October 1, 2026

Acceptance of Terms

By accessing this website, creating an account, subscribing to communications, or engaging with any service, you confirm your acceptance of these terms. Continued use following any modification constitutes agreement to the revised terms. These terms apply to all visitors, registered users, and institutional clients regardless of how they access the platform.

Key Definitions

For the purposes of these terms, the following words and phrases shall have the meanings assigned below. These definitions apply throughout this agreement unless the context clearly indicates otherwise.

• The term Company refers to Nianziotradpavcydovo, its owners, operators, affiliates, and authorized representatives responsible for delivering the website content and related services.
• The term User refers to any individual or entity that accesses, browses, or otherwise uses the website, whether as a visitor, subscriber, or registered participant.
• The term Services refers to all content, research materials, curriculum access, consultations, workshops, and analytical reviews provided through or in connection with this website.
• The term Content refers to all text, data, code, images, documents, videos, and other materials published on or downloadable from this website.

Permitted Use

Users may access and use the website and its content for personal, non-commercial educational purposes and for internal institutional analysis. Any commercial redistribution, resale, systematic extraction, or creation of derivative works for external distribution requires prior written authorization from the Company.

User Eligibility

You must be at least eighteen years of age and legally capable of entering into binding contracts to use the services. By using this website, you represent and warrant that you meet these eligibility requirements and that all information you provide is accurate and complete.

The Company reserves the right to suspend or terminate access for any user who misrepresents their eligibility or provides false information during registration or consultation booking.

User Responsibilities

Users are responsible for maintaining the confidentiality of their account credentials and for all activities that occur under their account. You agree to notify the Company immediately of any unauthorized use or security breach.

• Users must provide accurate and current information when creating accounts, booking consultations, or requesting services.
• Users are responsible for ensuring that their use of the website complies with all applicable laws and regulations in their jurisdiction.
• Users must not attempt to gain unauthorized access to any portion of the website, server infrastructure, or other users' accounts.
• Users must not use the website to transmit harmful code, spam, or content that infringes intellectual property rights or violates applicable law.

Prohibited Activities

The following activities are strictly prohibited and may result in immediate termination of access, legal action, and reporting to relevant authorities.

• Copying, scraping, or systematically downloading content for redistribution, commercial exploitation, or competitive intelligence purposes without written consent.
• Reverse engineering, decompiling, or attempting to extract source code from any software, tools, or code libraries provided through the website.
• Using the website or its content to provide investment advice, portfolio management, or financial planning services to third parties.
• Impersonating any person or entity, or falsely stating or otherwise misrepresenting your affiliation with any person or entity.
• Interfering with or disrupting the website, servers, or networks connected to the website, or disobeying any requirements, procedures, or policies of such networks.

Intellectual Property

All content, materials, code, and methodologies presented on this website are the intellectual property of the Company or its licensors. Users are granted a limited, non-exclusive, non-transferable license to access and use the content for personal and internal institutional purposes only. No ownership rights are transferred.

User Submissions

Any materials, feedback, or suggestions you submit to the Company through the website may be used by the Company without restriction or compensation. You represent that you have the right to submit such materials and that they do not violate any third-party rights.

Privacy and Data

Your use of this website is also governed by our Privacy Policy, which explains how we collect, process, and protect your personal data. Please review that document carefully. Privacy Policy

Disclaimer of Warranties

The website and all content are provided on an as-is and as-available basis without warranties of any kind, either express or implied.

Limitation of Liability

To the maximum extent permitted by law, the Company shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use the website or its content.

Indemnification

You agree to indemnify and hold harmless the Company and its affiliates from any claims, damages, or expenses arising from your violation of these terms or your use of the website.

Dispute Resolution

Any dispute arising from these terms shall first be addressed through good-faith negotiation. If unresolved, disputes shall be submitted to binding arbitration.

Governing Law

These terms shall be governed by and construed in accordance with the laws of Ireland, without regard to conflict of law principles.

Termination

The Company may suspend or terminate your access to the website at any time, with or without cause, and with or without notice. Upon termination, all licenses granted to you shall immediately cease.

Modifications

The Company reserves the right to modify these terms at any time. Changes become effective immediately upon posting. Your continued use constitutes acceptance of the revised terms.

Severability

If any provision of these terms is found invalid or unenforceable, the remaining provisions shall continue in full force and effect to the maximum extent permitted by law.

Entire Agreement

These terms, together with the Privacy Policy and Cookie Policy, constitute the entire agreement between you and the Company regarding your use of the website.

Contact Information

If you have any questions about these terms, please contact us through the contact page or using the information provided below. We aim to respond to all inquiries within five business days.