Terms of Service

1. Acceptance of Terms

By accessing and using the PFYTM website and services ("Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services.

2. Description of Services

PFYTM provides educational content, market analysis, and investment research for informational and educational purposes only. Our Services include:

• Educational stock market analysis reports
• Market trend information
• Company fundamental analysis
• Investment education materials

3. Not Financial Advice

IMPORTANT: The information provided through our Services is for educational purposes only and does NOT constitute:

• Financial, investment, or trading advice
• A recommendation to buy or sell any securities
• Personalized investment advice
• A guarantee of investment returns

You should consult with a licensed financial advisor before making any investment decisions.

4. Eligibility

You must be at least 18 years old to use our Services. By using our Services, you represent and warrant that you meet this age requirement.

5. User Account and Responsibilities

If you create an account with us, you are responsible for:

• Maintaining the confidentiality of your account information
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Ensuring all information provided is accurate and current

6. Prohibited Uses

You agree NOT to use our Services to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Transmit harmful or malicious code
• Attempt to gain unauthorized access to our systems
• Scrape, copy, or reproduce our content without permission
• Use automated systems to access our Services
• Impersonate any person or entity
• Harass, abuse, or harm others

7. Intellectual Property Rights

All content on our website, including but not limited to text, graphics, logos, images, and software, is the property of PFYTM or its content suppliers and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

8. Third-Party Content and Links

Our Services may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of these third parties. Your use of third-party services is at your own risk.

9. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy, reliability, or completeness of content
• Uninterrupted or error-free operation

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PFYTM SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR INVESTMENTS, ARISING FROM YOUR USE OF OUR SERVICES.

11. Indemnification

You agree to indemnify, defend, and hold harmless PFYTM and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from your use of our Services or violation of these Terms.

12. Termination

We reserve the right to terminate or suspend your access to our Services at any time, without notice, for any reason, including violation of these Terms.

13. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction]. Any disputes arising from these Terms or your use of our Services shall be resolved through binding arbitration, except where prohibited by law.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website. Your continued use of our Services after such changes constitutes acceptance of the new Terms.

15. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

16. Entire Agreement

These Terms constitute the entire agreement between you and PFYTM regarding the use of our Services and supersede all prior agreements.

17. Contact Information

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