User Accounts

When you create an account with us, you guarantee that the information you provide is accurate, complete, and current at all times. Inaccurate, incomplete, or obsolete information may result in the immediate termination of your account.

You are responsible for maintaining the confidentiality of your account and password, including but not limited to restricting access to your computer and/or account. You agree to accept responsibility for all activities that occur under your account and/or password.

Financial Services

Our Services are subject to additional terms and conditions that will be provided to you when you apply for or use those Services. By applying for or using our financial Services, you agree to be bound by those additional terms and conditions.

We reserve the right to refuse Service to anyone for any reason at any time. We may discontinue or alter any aspect of our Service at any time, including, but not limited to, content, features, hours of availability, and equipment needed for access or use.

Intellectual Property

The Website and its original content, features, and functionality are owned by Sivo Finance LLC and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any material on our Website, except as follows:

• Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
• You may store files that are automatically cached by your Web browser for display enhancement purposes.
• You may print or download one copy of a reasonable number of pages of the Website for your own personal, non-commercial use and not for further reproduction, publication, or distribution.

Privacy Policy

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding your personal information.

Limitation of Liability

In no event shall Sivo Finance LLC, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Website or Services.
• Any conduct or content of any third party on the Website.
• Any content obtained from the Website.
• Unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage.

Changes to Terms

We reserve the right to update or modify these Terms at any time without prior notice. Changes will be effective immediately upon posting on the Website. Your continued use of the Website after any changes to the Terms constitutes your acceptance of the revised Terms.