Terms of Service

Introduction

Welcome to TurboAnalyst. These Terms of Service ("Terms") govern your use of our website located at turboanalyst.pro and our financial analysis services provided by TurboAnalyst S.L., a company registered in Spain with registration number B81326495 ("we," "our," or "us").

Acceptance of Terms

By accessing our website or using our services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use our website or services. These Terms constitute a legally binding agreement between you and TurboAnalyst S.L.

Description of Services

TurboAnalyst provides professional financial analysis services, including:

• Personal loan comparison and analysis
• Credit card comparison services
• Financial impact assessments
• Consultation and advisory services related to borrowing decisions

Our services are provided for informational and analytical purposes only. We do not provide financial advice, and our analysis should not be considered as a recommendation to enter into any specific financial product or agreement.

User Obligations

When using our services, you agree to:

• Provide accurate and complete information when requested
• Use our services only for lawful purposes
• Not attempt to gain unauthorised access to our systems or data
• Not use our services to engage in any fraudulent or deceptive activities
• Comply with all applicable laws and regulations
• Respect the intellectual property rights of TurboAnalyst and third parties
• Not share your account credentials with any third party

Payment and Fees

Our services are provided for the fees specified on our website or as agreed upon in writing. Payment is due upon completion of the analysis unless otherwise agreed. We reserve the right to modify our fees with reasonable notice. All fees are exclusive of applicable taxes, which you are responsible for paying.

Intellectual Property

All content on our website and in our analysis reports, including but not limited to text, graphics, logos, images, software, and methodologies, is the property of TurboAnalyst S.L. or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without our express written permission.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms part of these Terms. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

Disclaimer and Service Limitations

Our analysis services are based on information available at the time of analysis and market conditions that may change. We make reasonable efforts to ensure accuracy but cannot guarantee that all information is complete, current, or error-free. You acknowledge that financial markets are subject to change and that past performance does not guarantee future results.

Limitation of Liability

To the maximum extent permitted by law, TurboAnalyst S.L. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of our services. Our total liability for any claim arising from these Terms or our services shall not exceed the amount paid by you for the specific service giving rise to the claim.

Indemnification

You agree to indemnify and hold harmless TurboAnalyst S.L., its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your use of our services, your violation of these Terms, or your violation of any rights of another party.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of Spain. Any disputes arising from these Terms or our services shall be subject to the exclusive jurisdiction of the courts of Seville, Spain. If you are a consumer resident in another EU member state, you may also have rights under the laws of your country of residence.

Termination

We reserve the right to terminate or suspend your access to our services at any time, with or without cause, and with or without notice. You may terminate your use of our services at any time by discontinuing use of our website and services. Upon termination, your right to use our services ceases immediately, but the provisions of these Terms that by their nature should survive termination shall remain in effect.

Force Majeure

We shall not be liable for any failure or delay in performance of our services due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, strikes, or government regulations.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be replaced by a valid and enforceable provision that most closely reflects the original intent.

Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the "last updated" date. Your continued use of our services after such modifications constitutes acceptance of the updated Terms.

Entire Agreement

These Terms, together with our Privacy Policy and any additional terms applicable to specific services, constitute the entire agreement between you and TurboAnalyst S.L. regarding your use of our services and supersede all prior agreements and understandings.

Contact Information

If you have any questions about these Terms, please contact us: