Terms of Service

Acceptance of Terms

By accessing and using the TurboMetric website and services, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to abide by the above, please do not use this service. These Terms of Service constitute a legally binding agreement between you and TurboMetric AB, a company registered in Sweden with registration number 412972-5873.

Description of Service

TurboMetric provides financial guidance and consultation services focused on helping individuals avoid costly personal finance mistakes. Our services include debt management advice, investment guidance, budgeting strategies, and emergency planning. All advice provided is for educational and informational purposes and should not be considered as formal financial planning or investment advice unless explicitly stated in a formal advisory agreement.

User Obligations

As a user of our services, you agree to:

• Provide accurate and complete information when requested
• Use our services only for lawful purposes and in accordance with these terms
• Respect the intellectual property rights of TurboMetric and third parties
• Not attempt to gain unauthorised access to our systems or networks
• Not use our services to transmit harmful, offensive, or illegal content
• Maintain the confidentiality of any login credentials provided to you

Intellectual Property

All content, materials, and intellectual property on the TurboMetric website and in our services, including but not limited to text, graphics, logos, images, software, and methodologies, are the property of TurboMetric AB or our licensors and are 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 is incorporated into these Terms of Service by reference. By using our services, you consent to the collection and use of your information as outlined in our Privacy Policy.

Limitation of Liability

To the fullest extent permitted by law, TurboMetric AB shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from your use of our services. Our total liability for any claims arising out of or related to these terms or our services shall not exceed the amount you paid to us for the specific service giving rise to the claim in the twelve months preceding the claim.

Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our services will be uninterrupted, error-free, or completely secure.

Financial Advice Disclaimer

The information and guidance provided by TurboMetric is for educational purposes only and should not be construed as personalised financial advice unless provided under a formal advisory agreement. We recommend that you consult with qualified financial professionals before making significant financial decisions. Past performance does not guarantee future results, and all investments carry risk of loss.

Payment Terms

Payment for our services is due as specified in your service agreement or invoice. We accept various payment methods as indicated on our website. Failure to pay for services may result in suspension or termination of access to our services. Refunds, if applicable, will be processed according to our refund policy as communicated at the time of purchase.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of Sweden, without regard to its conflict of law provisions. Any disputes arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Sweden. If you are a consumer residing in the European Union, you may also have the right to bring proceedings in the courts of your country of residence.

Modifications to Terms

We reserve the right to modify these Terms of Service at any time. We will notify users of any 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. If you do not agree to the modified terms, you must discontinue use of our services.

Termination

Either party may terminate this agreement at any time with or without cause. TurboMetric reserves the right to suspend or terminate your access to our services immediately if you violate these terms or engage in conduct that we deem harmful to our business, other users, or third parties. Upon termination, your right to use our services will cease immediately, though provisions regarding intellectual property, limitation of liability, and governing law will survive termination.

Severability

If any provision of these Terms of Service is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining terms will remain in full force and effect. The failure of either party to exercise any right or remedy provided under these terms will not constitute a waiver of such right or remedy.

Contact Information

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