General terms for using Kelmarei

1. Scope and definitions

In these terms, the following definitions apply:

• Website: the pages offered under Kelmarei, including index.html, about.html, advantages.html, why-choose-us.html and faq.html.
• Content: all texts, explanations, structures, images, and other information on the website.
• User: any visitor who consults the website.

These terms apply to every visit to and every use of the website. Any additional explanations on specific pages supplement, and do not replace, these terms.

2. Nature of the information and no advice

Kelmarei focuses on AI-driven data analysis as a tool for structure, validation, and risk management. All content on this website is general and educational in nature.

The information does not constitute personal investment advice, a recommendation to buy, sell, or hold specific financial instruments, or an invitation to enter into transactions. Investment decisions require an independent assessment of objectives, experience, financial situation, and risk tolerance.

Where the website describes methods, steps, or points of attention, these are intended to support the thought process, not to guarantee an outcome. In case of doubt, consult independent, qualified information sources.

3. Use of the website

You may use the website for personal, non-commercial consultation. You agree that you:

• use the website in a careful and lawful manner;
• do not provide incorrect or misleading information if you request information via a form on index.html ;
• do not disrupt the operation, security, or accessibility of the website;
• do not circumvent or attempt to circumvent technical protection measures.

You are yourself responsible for the equipment, software, and internet connection needed to access the website.

4. Intellectual property

All rights to the content of this website belong to Kelmarei, unless stated otherwise. This includes texts, page structure, graphic elements, and their selection and arrangement.

You may view pages, download them for personal use, and share them by means of a link to the relevant page. Without prior permission, it is not permitted to copy, republish, modify, or commercially reuse content in a way that suggests it originates from you or a third party.

The name Kelmarei may not be used in a way that could cause confusion about the origin of information.

5. Prohibited use

It is, among other things, not permitted to:

• using the website for unlawful purposes or in violation of these terms;
• deploying automated systems that disproportionately burden the website;
• collecting or extracting content to build a competing database;
• misrepresenting the nature of the information, in particular by suggesting that Kelmarei provides personal advice or guarantees of returns.

In the event of misuse, access to (parts of) the website may be restricted, insofar as this is technically possible.

6. Risk statement

Investing involves risks, including the risk of (partial) loss of invested capital. Past results, examples or scenarios described for illustrative purposes do not guarantee future results.

Data analysis and validation can help structure information and weigh risks more consciously, but cannot eliminate risks. Market conditions, data quality, model assumptions and unforeseen events may lead to different outcomes.

Do not make decisions based solely on general website information. Always assess whether a consideration fits your personal situation.

7. Availability and liability

We strive to keep the information on the website accurate and up-to-date and to keep the website reasonably available. However, completeness, accuracy and uninterrupted availability cannot be guaranteed.

The website is provided as is. To the extent permitted, Kelmarei is not liable for direct or indirect damages arising from the use of, reliance on, or temporary unavailability of the website or its content.

Nothing in these terms limits rights that cannot be excluded or limited.

8. Privacy and references

For the processing of personal data, please refer to privacy.html. That page describes which data may be involved in the context of this website and how it is handled.

This website contains only internal references to the pages included in the navigation. If external sources were to be referenced in the future, you are responsible for consulting those sources and the terms that apply there.

9. Changes to the website and terms

The content of the website may be adjusted to clarify, supplement or update information. These terms may also be updated when necessary for a proper description of the use of the website.

The date under Updated: November 4 at the top of this page indicates when this version was prepared. By continuing to use the website after a change, you agree to the then-current version. We recommend consulting this page periodically, as well as faq.html and about.html for background and context.

10. Questions about these terms

If a provision in these terms is unclear, read it in conjunction with the educational and general nature of the website as described on index.html and why-choose-us.html.

If a provision is found to be void or unenforceable, the remaining provisions remain in full force and effect and the provision in question shall be interpreted in a manner that approximates its purpose as closely as possible within the framework of these terms.