Terms of Use – Thaleon

“Thaleon”, “we”, “our”, or “us” refers to the operator of the Thaleon platform. “User” refers to any individual accessing or using the Services.

“Advisor” refers to a financial advisor, planner, agent, or professional user of the platform.

“Firm” refers to an organisation or enterprise deploying Thaleon for its users. “Client” refers to an end-customer whose data is entered into Thaleon by an Advisor or Firm.

Thaleon provides software tools for analytics, portfolio analysis, risk profiling, optimisation, reporting, and decision support. The Services are intended for professional users and do not constitute consumer-facing advisory services.

Thaleon does not provide financial, investment, tax, legal, or other professional advice. All outputs generated by the Services are provided for informational and analytical purposes only. Advisors and Firms remain solely responsible for all advice, recommendations, suitability assessments, and regulatory compliance.

Use of the Services is at the User’s own risk. Thaleon makes no representations regarding the accuracy, completeness, timeliness, or suitability of any outputs. Users are responsible for independently evaluating all outputs before relying on them.

Historical data, back-tested results, simulations, projections, or model outputs are hypothetical in nature and do not guarantee future performance. Actual results may differ materially due to market conditions, assumptions, data limitations, or external factors.

Advisors and Firms are responsible for obtaining client consent, ensuring data accuracy and lawfulness, safeguarding credentials, supervising users, and complying with applicable laws and professional standards. Thaleon does not independently verify Client data or advisor inputs.

Where the Services are accessed through a Firm or enterprise account, the Firm is the account owner and may add, remove, suspend, or terminate User access, subject to applicable law and agreements.

Users must not use the Services for unlawful or misleading purposes, misrepresent outputs as guaranteed advice, reverse engineer the platform, circumvent security controls, or interfere with system integrity.

The Services operate on a fair usage basis to ensure performance and reliability. Users must not conduct excessive automated queries, scraping, bulk processing, or activities that materially degrade system performance.

Thaleon may monitor usage patterns and throttle, restrict, suspend, or require plan upgrades where usage is excessive or abusive.

The Services may incorporate data from third-party providers or integrations enabled by Users.

Thaleon does not control the accuracy, completeness, or availability of such data and is not responsible for errors, delays, or interruptions originating from such sources.

Thaleon may modify, restrict, or adjust the Services to comply with changes in applicable laws, regulations, or supervisory guidance.

The Services are provided on an “as is” and “as available” basis.

Thaleon may modify, suspend, or discontinue any part of the Services at any time.

Access to the Services is provided on a subscription or usage-based basis, as applicable.

All fees paid are non-refundable, except where required by applicable law.

Refunds may be considered at Thaleon’s sole discretion in limited circumstances, including:

• duplicate or erroneous charges.
• technical issues that materially prevent access to the Services and cannot be resolved within a reasonable time, or
• other situations expressly required under applicable law.

Refund requests must be submitted in writing within thirty (30) days of the relevant charge and must include sufficient details to support the request.

Refunds will not be provided for:

• partial use of the Services,
• change of mind,
• failure to cancel a subscription before renewal, or
• dissatisfaction with features, outputs, or results.

Enterprise customers may be subject to separate billing, refund, or termination terms under their applicable agreements.

To the maximum extent permitted by law, Thaleon disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

Users represent and warrant that they are not subject to trade sanctions or export control restrictions and will not use the Services in violation of applicable export control or sanctions laws.

Any feedback, suggestions, ideas, or recommendations provided by Users may be used by Thaleon for any purpose without obligation or restriction.

All intellectual property rights in the Services, including software, algorithms, content, designs, and branding, are owned by or licensed to Thaleon.

Users are granted a limited, non-exclusive, non-transferable, revocable licence to use the Services in accordance with these Terms.

Personal data is processed in accordance with the Thaleon Privacy Policy, which forms part of these Terms by reference.

Thaleon may suspend or terminate access to the Services if a User breaches these Terms, misuses the platform, or poses a security, legal, or compliance risk.

To the maximum extent permitted by law, Thaleon shall not be liable for indirect, incidental, consequential, or economic losses, and is not responsible for decisions made based on outputs from the Services.

Users agree to indemnify and hold harmless Thaleon from claims, losses, damages, or liabilities arising from misuse of the Services, breach of these Terms, or violation of applicable laws.

Thaleon may assign or transfer its rights and obligations under these Terms in connection with a merger, acquisition, corporate restructuring, or sale of assets.

Thaleon shall not be liable for failure or delay resulting from events beyond its reasonable control, including natural disasters, infrastructure failures, third-party outages, or governmental actions.

Provisions relating to intellectual property, limitation of liability, indemnity, governing law, and any provisions which by their nature should survive, shall survive termination.

Thaleon may update these Terms from time to time. Continued use of the Services constitutes acceptance of the updated Terms.

These Terms are governed by the laws specified in the applicable agreement or, where none exists, the laws of the jurisdiction in which Thaleon operates.