Welcome to Sturnus Ratings. These Terms of Use (the Terms) are an agreement between Sturnus Ratings web (we or us) and you (User or you or your). This agreement sets forth the general terms and conditions of your use of the Sturnus Ratings website and any of its products or services (collectively, Website or Services).
If you create an account on the Website, you are responsible for maintaining the security of your account and you are fully responsible for all activities that occur under the account and any other actions taken in connection with it. You must immediately notify us of any unauthorized uses of your account or any other breaches of security. We will not be liable for any acts or omissions by you, including any damages of any kind incurred as a result of such acts or omissions.
We do not own any data, information, or material (Content) that you submit to the Website in the course of using the Service. You shall have sole responsibility for the accuracy, quality, integrity, legality, reliability, appropriateness, and intellectual property ownership or right to use of all submitted Content. We may, but have no obligation to, monitor the Content on the Website. We may remove any Content at any time for any reason (including, but not limited to, upon receipt of claims or allegations from third parties or authorities relating to such Content), or for no reason at all.
We perform regular backups of the Website and its Content; however, these backups are for our own administrative purposes only and are in no way guaranteed. You are responsible for maintaining your own backups of your data. We do not provide any sort of compensation for lost or incomplete data in the event that backups do not function properly. We will do our best to ensure complete and accurate backups, but assume no responsibility for this duty.
Although this Website may link to other websites, we are not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with any linked website, unless specifically stated herein. We are not responsible for examining or evaluating, and we do not warrant the offerings of, any businesses or individuals or the content of their websites. We do not assume any responsibility or liability for the actions, products, services, and content of any other third-parties. You should carefully review the legal statements and other conditions of use of any website which you access through a link from this Website. Your linking to any other off-site pages or other websites is at your own risk.
This agreement does not transfer from us to you any of our or third party intellectual property, and all rights, titles, and interests in and to such property will remain (as between the parties) solely with us. All trademarks, service marks, graphics, and logos used in connection with our Website or Services are trademarks or registered trademarks of us or our licensors. Other trademarks, service marks, graphics, and logos used in connection with our Website or Services may be the trademarks of other third parties. Your use of our Website and Services grants you no right or license to reproduce or otherwise use any of our or third-party trademarks.
We reserve the right to modify these Terms or any policy or guideline of the Website at any time and in our sole discretion. Any changes or modification will be effective immediately upon posting the revisions to the Website. Your continued use of the Website following the posting of such changes or modifications will constitute your acceptance of such changes or modifications.
You agree to use our Website only for lawful purposes, and in a way that does not infringe the rights of, restrict, or inhibit the use and enjoyment of this Website by any third party. Prohibited behavior includes harassing or causing distress or inconvenience to any person, transmitting obscene or offensive content, or disrupting the normal flow of dialogue within our Website. You must not use our Website to send unsolicited commercial communications. You must not use the content on our Website for any marketing related purpose without our express written consent.
We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason and without limitation, including but not limited to a breach of the Terms. If you wish to terminate your account, you may simply discontinue using the Service. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
You hereby agree to indemnify and hold harmless us and our subsidiaries, affiliates, partners, officers, directors, and employees from any claim or demand, including reasonable attorneys fees, made by any third party due to or arising out of your breach of these Terms or the documents they incorporate by reference, or your violation of any law or the rights of a third party.
The Website is provided as is, with all faults, and we make no express or implied representations or warranties, of any kind related to the Website or the materials contained on the Website. Additionally, nothing contained on the Website shall be construed as providing consult or advice to you.
In no event shall we, nor any of our officers, directors, and employees, shall be held liable for anything arising out of or in any way connected with your use of the Website whether such liability is under contract. We, including our officers, directors, and employees shall not be held liable for any indirect, consequential, or special liability arising out of or in any way related to your use of the Website.
You hereby agree to indemnify to the fullest extent us from and against any and/or all liabilities, costs, demands, causes of action, damages, and expenses arising in any way related to your breach of any of the provisions of these Terms.
If any provision of these Terms is found to be invalid under any applicable law, such provisions shall be deleted without affecting the remaining provisions herein.
We are permitted to revise these Terms at any time as it sees fit, and by using this Website you are expected to review these Terms on a regular basis.
We are allowed to assign, transfer, and subcontract our rights and/or obligations under these Terms without any notification. However, you are not allowed to assign, transfer, or subcontract any of your rights and/or obligations under these Terms.
These Terms constitute the entire agreement between us and you in relation to your use of the Website, and supersede all prior agreements and understandings
Access to Sturnus Ratings analysis content requires a paid subscription. By purchasing a subscription you agree to the following terms:
Billing. Monthly subscriptions are billed on a recurring basis every 30 days. Annual subscriptions are billed once for a 12-month access period. All prices are displayed inclusive of applicable fees and are denominated in the currency selected at checkout (EUR, USD, or CZK). Payment is processed securely by Stripe.
Cancellation. You may cancel a monthly subscription at any time through your account dashboard. Cancellation takes effect at the end of the current billing period; you retain full access until that date. Annual subscriptions are not cancelable early and expire automatically after 12 months.
No-Refund Policy. All subscription payments are non-refundable. You may cancel at any time and your access will continue until the end of the current billing period. No partial refunds are issued for unused portions of any subscription term. This policy applies to both monthly and annual plans.
EU Consumer Rights. If you are a consumer resident in the European Union, you acknowledge that by purchasing a digital subscription and gaining immediate access to the content, you expressly consent to waive your statutory 14-day right of withdrawal pursuant to Directive 2011/83/EU (Consumer Rights Directive), as the digital content is made available immediately upon purchase.
Personal Data. In connection with your subscription, we process personal data (name, email address, billing information) to manage your account and fulfil the service. This processing is governed by our Privacy Policy and carried out in accordance with Regulation (EU) 2016/679 (GDPR). You have the right to access, rectify, or erase your personal data by contacting us.
If you have any questions about these Terms, please contact us.
These Terms and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of the European Union and applicable EU member state law. Nothing in this section limits your rights as a consumer under the mandatory consumer protection laws of your country of residence within the EU.
In the event of any dispute arising from these Terms or your use of the Service, we encourage you to contact us first to seek an amicable resolution. If a dispute cannot be resolved informally, EU consumers may also refer the matter to an alternative dispute resolution (ADR) body or use the European Online Dispute Resolution (ODR) platform available at ec.europa.eu/consumers/odr. Nothing in this section affects your right to bring proceedings before a competent court.
If you are located in the United States, the following applies to email communications from us. We do not send unsolicited commercial email. Any commercial emails we send will: clearly identify us as the sender, include a valid electronic contact address, and provide a clear and conspicuous mechanism to opt out of future marketing communications. We will honour opt-out requests promptly. Transactional and account-related emails (e.g., subscription confirmations, password resets) are exempt from opt-out requirements. To stop receiving marketing emails, please contact us or use the unsubscribe link included in each marketing email.
If you are a California resident, the California Consumer Privacy Act (CCPA) grants you rights with respect to your personal information. You have the right to request disclosure of the categories and specific pieces of personal information we have collected about you, the right to request deletion of your personal information, and the right to opt out of the sale of your personal information. We do not sell personal information. You will not be discriminated against for exercising your CCPA rights. To make a request, please contact us. Your Privacy Policy contains full details of the data we collect and how it is used.
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