Terms of Service

By creating an account or accessing Soavalon's portfolio risk analytics platform, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you are using Soavalon on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these terms. If you do not have such authority, or if you do not agree with these terms, you must not use the platform.

Soavalon provides a client-side portfolio risk analytics platform that enables users to: • Track portfolio holdings and calculate profit/loss across multiple positions • Compute risk metrics including Value-at-Risk (VaR), Expected Shortfall (CVaR), and portfolio volatility • Run stress tests and scenario analyses using Parametric, Cornish-Fisher, and Historical simulation methods • Analyze correlations, beta exposure, and diversification metrics • Fetch real-time and historical market data from third-party financial data providers The platform performs calculations locally in your browser. We reserve the right to modify, suspend, or discontinue any part of the service at any time with reasonable notice.

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to: • Provide accurate and complete registration information • Maintain and promptly update your account information • Notify us immediately of any unauthorized access or security breach • Not share your account credentials with third parties We reserve the right to suspend or terminate accounts that violate these terms or remain inactive for an extended period.

You agree not to use Soavalon for any unlawful purpose or in any way that could damage, disable, or impair the platform. Prohibited activities include: • Attempting to gain unauthorized access to other users' accounts or data • Using automated scripts or bots to scrape data or overload the platform • Reverse-engineering, decompiling, or disassembling any part of the service • Using the platform to engage in market manipulation or securities fraud • Circumventing rate limits on third-party API calls made through the platform Violation of these terms may result in immediate account termination without notice.

All risk metrics, calculations, and analytics provided by Soavalon — including but not limited to Value-at-Risk (VaR), Expected Shortfall, Cornish-Fisher adjustments, stress tests, and portfolio analysis — are for informational and educational purposes only. • Past performance is not indicative of future results • VaR and risk models have inherent limitations and may underestimate tail risk • Market data sourced from third parties may contain errors, delays, or inaccuracies • Users should not rely solely on Soavalon's output for investment decisions You acknowledge that all investment decisions are made at your own risk and that Soavalon bears no responsibility for any financial losses incurred.

All content, features, and functionality of the Soavalon platform — including the user interface, design, source code, algorithms, risk models, documentation, and branding — are owned by Soavalon Risk Analytics and are protected by international copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the platform for personal or internal business purposes. You may not copy, modify, distribute, or create derivative works based on any part of the platform without our prior written consent.

To the maximum extent permitted by applicable law, Soavalon Risk Analytics and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to: • Loss of profits, revenue, data, or business opportunities • Financial losses resulting from reliance on risk calculations or analytics • Damages arising from third-party API failures, data inaccuracies, or service interruptions • Losses due to unauthorized access to your account Our total liability for any claim arising under these terms shall not exceed the amount you paid for the service in the 12 months preceding the claim, or $100, whichever is greater.

You may terminate your account at any time by contacting us or using the account deletion feature in your settings. Upon termination: • Your access to the platform will be immediately revoked • Browser-stored data (localStorage) will remain on your device until you clear it • Server-side data will be retained for up to 12 months per our data retention policy • Any active subscription will not be refunded for the current billing period We may terminate or suspend your account without prior notice if we determine you have violated these terms.

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Illinois, United States, without regard to its conflict of law provisions. Any disputes arising from these terms or your use of the platform shall be resolved exclusively in the state or federal courts located in Cook County, Illinois. You agree to waive any right to a jury trial in connection with any action or litigation arising under these terms.

We reserve the right to update or modify these Terms of Service at any time. Changes will be effective immediately upon posting the revised terms on the platform. We will notify you of material changes via email or a prominent notice within the application. Your continued use of Soavalon after any changes constitutes acceptance of the updated terms. We encourage you to review these terms periodically. If you have questions about these Terms of Service, please contact us at omgcraft0@gmail.com.