Terms of Use

The Endeuda2.com website (referred to as "Endeuda2", the "Site", or "we"), operated by Lucid Image LLC, offers digital financial analysis tools, educational resources, and investment profiles.

BY ACCESSING, SUBSCRIBING TO, OR USING ENDEUDA2.COM, YOU AGREE TO COMPLY WITH THESE TERMS OF USE. IF YOU DO NOT AGREE TO THESE TERMS, YOUR SOLE REMEDY IS TO IMMEDIATELY CEASE THE USE OF THIS SITE.

IMPORTANT NOTICE: These Terms contain a binding arbitration provision and a class action waiver that govern how disputes between you and Lucid Image LLC are resolved. Please read Section 8 carefully.

1. Access License and Restrictions

Lucid Image LLC grants you a limited, non-transferable, non-exclusive, and revocable license to access the Site and use our tools (including "Analysis" and "Investment Profile") solely for personal and non-commercial use. The use of our tools on behalf of a company or legal entity is not permitted.

Under this license, you may not:

• Sell, rent, distribute, or commercially exploit the Site or its tools.

• Reverse engineer, decompile, or attempt to discover the source code of the Site.

• Use the content or tools to build a competitive website or service.

• Reproduce or automate data extraction (scraping) from our platform.

2. Financial Disclaimer (Use at your own risk)

LUCID IMAGE LLC AND ITS AFFILIATES ARE NOT FINANCIAL, INVESTMENT, OR COMMERCIAL ADVISERS.

All tools (including "Analysis"), questionnaires ("Investment Profile"), and resources on the Site are provided solely for informational and educational purposes. No data, results, or information on this Site should be construed as a recommendation to buy, sell, or hold assets, nor does it substitute for the advice of a certified financial, legal, or tax professional.

• No guarantees of success: The principles and algorithms used in our tools are based on generally accepted investment principles, but they do not guarantee the achievement of any personal financial goal. All investments involve risk and can lose value.

• Your decisions: You are solely responsible for your investment and financial decisions. Reliance on any information provided by Endeuda2 is exclusively at your own risk.

3. Payments, Subscriptions, and Refunds

Certain contents and tools require a monthly or annual subscription.

• Billing: Billing begins immediately after completing registration through our third-party payment provider (Stripe). We do not offer free trial periods.

• Cancellations: You can cancel your subscription at any time from your account settings. You will maintain access to the platform until your current billing cycle ends.

• No Refund Policy: All payments are final. We do not offer refunds or credits for partial periods, unused months, or mid-cycle cancellations.

• Credits for Technical Failures: We will only grant a partial credit applicable to the next billing cycle if the service suffers a total and continuous outage attributable to our servers for more than 72 consecutive hours. This credit will be issued at the discretion of our operations team.

4. Third-Party Data Providers

Our tools are powered by information provided by third parties, primarily through Financial Modeling Prep, and secondarily through Nasdaq Cloud API, EODHD, and Quotemedia.com. To use Endeuda2, you agree to comply with the particular terms and conditions required by these providers. We assume no responsibility for delays, errors, or outdated information coming from these data sources.

5. User Code of Conduct

You are solely responsible for the use you make of your account and the tools on the Site. You agree not to use Endeuda2 to:

• Publish or transmit defamatory, illegal, threatening, or harmful content.

• Introduce viruses, malicious software, or disrupt the normal operation of the site.

• Violate the intellectual property rights of third parties.

Any improper use or contact to our support email ([email protected]) for purposes unrelated to these Terms or technical assistance will justify the immediate and irrevocable termination of your account.

6. Privacy and Cookie Policies

Your use of Endeuda2.com is also governed by our Privacy Policy and our Cookie Policy, which are incorporated into these Terms by reference. By accepting these Terms, you confirm that you have read and understood these policies.

7. Disclaimer of Warranties and Limitation of Liability

The Site is provided "as is" and "as available". Lucid Image LLC disclaims all warranties, express or implied, including warranties of merchantability, data accuracy, or fitness for a particular purpose.

To the maximum extent permitted by law, Lucid Image LLC shall not be liable for direct, indirect, incidental, or consequential damages (including loss of profits or data) arising from the use or inability to use the Site. Our total liability to you for any damage will be limited, at all times, to the maximum amount corresponding to the last subscription fee you have paid.

8. Arbitration Agreement and Governing Law (United States Users)

• Governing Law: These Terms are governed by the laws of the State of Florida, United States.

• Informal Resolution: Before initiating any dispute, you must send a written notice to Lucid Image LLC, 7901 4th St N #27106, St. Petersburg, FL 33702, US. We will have 90 days to attempt to resolve the matter informally.

• Binding Arbitration: If not resolved, any dispute will be resolved by binding and individual arbitration through the American Arbitration Association (AAA), expressly waiving the right to a jury trial.

• Class Action Waiver: Claims can only be brought on an individual basis. It is strictly forbidden to consolidate your claim with that of other users or to act as a representative in a class action lawsuit.

9. Modifications to the Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by sending you an email or posting a notice on the Site. The changes will become effective 30 days after their notification. Continued use of the Site after this period constitutes your acceptance of the new Terms.