Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of the Rayoux Innovations website, products, and services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy.

2. Services Description

Rayoux Innovations provides institutional-grade financial technology solutions including:

• Quantitative investment models
• Portfolio optimization tools
• Blockchain settlement networks
• Risk management systems
• Alternative data analytics

We reserve the right to modify or discontinue any Service at any time without notice.

3. User Accounts

3.1 Account Creation

To access certain Services, you must create an account. You agree to:

• Provide accurate and complete information
• Maintain the security of your credentials
• Promptly update any changes to your information

3.2 Account Responsibility

You are responsible for all activities that occur under your account. Notify us immediately of any unauthorized use.

4. Intellectual Property

All content, features, and functionality on our Services are the exclusive property of Rayoux Innovations and are protected by international copyright, trademark, and other intellectual property laws.

You may not:

• Modify, copy, or create derivative works
• Use our intellectual property for commercial purposes without permission
• Attempt to extract source code or reverse engineer our systems

5. User Conduct

You agree not to:

• Use our Services for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with the proper working of our Services
• Use any automated system to access our Services without permission
• Engage in any activity that could damage or overburden our infrastructure

6. Third-Party Services

Our Services may contain:

• Links to third-party websites
• Advertisements served by Google AdSense and other networks
• Integrations with other financial platforms

We are not responsible for the content or practices of any third-party services. Your interactions with these services are governed by their own terms and policies.

7. Fees and Payments

7.1 Service Fees

Certain Services require payment of fees. You agree to pay all applicable fees as described in our pricing documentation.

7.2 Payment Terms

All payments are non-refundable unless otherwise stated. We may change our fees at any time with notice.

8. Disclaimer of Warranties

Our Services are provided "as is" and "as available" without warranties of any kind, either express or implied. Rayoux Innovations does not warrant that:

• The Services will be uninterrupted or error-free
• The results obtained from using the Services will be accurate or reliable
• The quality of any products, services, information will meet your expectations

9. Limitation of Liability

To the maximum extent permitted by law, Rayoux Innovations shall not be liable for:

• Any indirect, incidental, or consequential damages
• Loss of profits, revenue, or data
• Investment decisions made based on our Services

Our total liability for any claims shall not exceed the amount you paid us for the Services in the 12 months preceding the claim.

10. Indemnification

You agree to indemnify and hold harmless Rayoux Innovations from any claims, damages, or expenses arising from:

• Your use of the Services
• Your violation of these Terms
• Your infringement of any third-party rights

11. Termination

We may terminate or suspend your access to our Services immediately, without prior notice, for any reason including:

• Violation of these Terms
• Requests by law enforcement
• Security or technical issues

All provisions which by their nature should survive termination shall survive.

12. Governing Law

These Terms shall be governed by the laws of Pakistan without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Lahore, Pakistan.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes through our website. Your continued use after changes constitutes acceptance.

14. Miscellaneous

14.1 Entire Agreement

These Terms constitute the entire agreement between you and Rayoux Innovations regarding our Services.

14.2 Severability

If any provision is found invalid, the remaining provisions will remain in effect.

14.3 No Waiver

Our failure to enforce any right does not constitute a waiver.

15. Contact Information

For questions about these Terms, please contact: