Terms and Conditions

1. User Conduct Requirements

As a user of our services, you agree to conduct yourself in a professional and lawful manner. You must:

• • Comply with all applicable federal, state, local, and international laws and regulations
• • Provide accurate and truthful information in all communications and transactions
• • Respect the intellectual property rights of Quotients expert and third parties
• • Maintain appropriate professional standards when engaging with our team

2. Prohibited Activities and Behaviors

You are expressly prohibited from:

• • Using our services for any unlawful, fraudulent, or malicious purpose
• • Attempting to circumvent security measures or access restricted areas
• • Transmitting spam, malware, viruses, or any other harmful code
• • Harassing, threatening, or defaming any individual or entity
• • Collecting or harvesting information about other users without consent
• • Engaging in any activity that interferes with or disrupts our services

3. Content Guidelines and Restrictions

When providing information or content to us, you must ensure it does not contain defamatory, obscene, threatening, or otherwise objectionable material. We reserve the right to remove or refuse any content that violates these guidelines or applicable laws.

4. Age Restrictions and Requirements

Our services are intended for individuals who are at least 18 years of age or the age of majority in their jurisdiction. By using our services, you represent and warrant that you meet these age requirements and have the legal capacity to enter into binding agreements.

5. Compliance with Laws and Regulations

You are solely responsible for ensuring that your use of our services complies with all applicable laws, regulations, and industry standards in your jurisdiction. This includes, but is not limited to, securities laws, tax regulations, and professional conduct rules.

6. Indemnification Obligations

You agree to indemnify, defend, and hold harmless Quotients expert, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from your use of our services, violation of these Terms, or infringement of any third-party rights.

7. Privacy and Data Protection

You acknowledge that you have read and understood our Privacy Policy, which governs how we collect, use, and protect your personal information. Your use of our services constitutes acceptance of our privacy practices.

8. Third-Party Interactions

We are not responsible for your interactions with third parties encountered through our services or website. Any transactions, agreements, or disputes between you and third parties are solely between you and those parties. We make no warranties regarding third-party services or content.

9. Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:

• • Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• • Warranties that the service will be uninterrupted, secure, or error-free
• • Warranties regarding the accuracy, reliability, or completeness of content

10. Limitation of Liability

To the maximum extent permitted by applicable law, Quotients expert 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
• • Business interruption or loss of goodwill
• • Cost of substitute services or procurement
• • Any other indirect or consequential losses

This limitation applies regardless of whether the liability is based on contract, tort, negligence, strict liability, or any other legal theory.

11. Consequential Damages Exclusion

Under no circumstances will Quotients expert be liable for any damages arising from delays, errors, interruptions, or loss of data, even if we have been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so some of these limitations may not apply to you.

12. Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, governmental actions, power failures, or internet service disruptions.

13. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts located in the relevant jurisdiction for the resolution of any disputes.

14. Dispute Resolution Procedures

In the event of any dispute arising from these Terms or your use of our services, you agree to first attempt to resolve the matter through good faith negotiations. If the dispute cannot be resolved through negotiation, either party may pursue resolution through applicable legal channels.

15. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

16. Terms Modification Policy

We reserve the right to modify these Terms and Conditions at any time. We will provide notice of material changes by posting the updated terms on our website with a new "Last updated" date. Your continued use of our services after such modifications constitutes your acceptance of the updated terms.

17. Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other legal notices or agreements published by us on our website, constitute the entire agreement between you and Quotients expert regarding your use of our services.

18. Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of Quotients expert.