Hugrik Terms of Use

1. Legal Disclaimer & Financial Advice

• Hugrik is not a registered investment advisor, broker-dealer, or financial planner. Nothing on Hugrik constitutes financial, legal, or tax advice.
• All content is for informational and educational purposes only. You are solely responsible for investment decisions made using Hugrik.
• Some data or insights may be AI-generated and could contain errors or outdated information. Accuracy is not guaranteed.
• Hugrik does not endorse or recommend any specific investments or strategies.

2. Eligibility & Account Usage

• You must be at least 18 years old to use Hugrik.
• Provide accurate information and keep your credentials secure.
• Accounts are for individual use only and cannot be shared.
• We may suspend or terminate accounts at our discretion.

3. AI Content and Limitations

• Some features use AI to summarize or analyze data.
• AI output may be incomplete, misleading, or inaccurate.
• Users are responsible for independently verifying all data.

4. User Content and Conduct

You retain rights to content you upload (e.g., notes, reminders) but grant Hugrik a license to use it to provide the Service.

You agree not to:

• Use Hugrik for illegal or abusive purposes
• Upload malicious or harmful content
• Infringe on intellectual property rights

5. Payment, Refunds & Termination

• Certain features may require payment. Charges are billed upfront and are non-refundable.
• You may cancel via your account dashboard. Access remains active until the billing period ends.
• We may terminate your account at any time, with or without notice, for violations or other reasons.

6. Privacy

• Our Privacy Policy explains how your data is handled.
• We do not sell personal data. Cookies and tracking tools are used to improve the Service.
• Hugrik may use third-party APIs and data providers. We are not responsible for how third parties handle your data.

7. Limitation of Liability

Hugrik is provided “as is” without warranties.

• We are not liable for losses from investment decisions.
• We are not liable for content inaccuracies or service issues.
• Hugrik’s total liability is limited to the amount you paid (if any) in the past 12 months.

8. Governing Law & Jurisdiction

• These Terms are governed by the laws of Sweden.
• You are responsible for complying with local laws.
• Disputes will be resolved in the courts of Stockholm, Sweden.

9. Changes to These Terms

We may update these Terms periodically. Continued use of the Service means you accept the updated Terms.

10. Contact

For questions about these Terms, contact us at: legal@hugrik.com