Welcome to MarkKowalchuk. By accessing or using our website, services, or content, you agree to comply with and be bound by the following terms and conditions. Please read these Terms & Conditions carefully. If you do not agree with any part of these terms, you must refrain from using our website or services.
1. Acceptance of Terms
By using our website, you acknowledge that you have read, understood, and accepted these Terms & Conditions, along with any other policies referenced herein. These terms govern your access to and use of our content, services, and any transactions conducted through our platform. We reserve the right to update or modify these terms at any time without prior notice. Continued use of our services after changes constitutes your acceptance of the revised terms.
2. Use of Website
You agree to use the website for lawful purposes only. You shall not engage in any activity that may:
Violate any applicable laws or regulations;
Infringe upon the rights of others, including intellectual property rights;
Interfere with the security, functionality, or integrity of the website;
Distribute viruses, malware, or any harmful code.
We reserve the right to suspend or terminate access to users who violate these rules or misuse our services.
3. Intellectual Property
All content on the website, including but not limited to text, images, graphics, logos, videos, and software, is the property of MarkKowalchuk or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without prior written consent. Any unauthorized use may result in legal action.
4. Services and Accuracy of Information
Our website provides information, insights, and resources related to financial services, investments, and auction markets. While we strive to provide accurate and up-to-date information, we do not guarantee the completeness, reliability, or accuracy of the content. Users should exercise independent judgment and seek professional advice when making investment decisions. We are not liable for any losses, damages, or consequences arising from the use of information on this site.
5. Third-Party Links
Our website may include links to third-party websites for your convenience. These links do not imply endorsement, approval, or responsibility for the content, products, or services provided by those third parties. You access external websites at your own risk, and we are not liable for any damages or losses resulting from third-party interactions.
6. User Accounts
Certain services may require registration or the creation of a user account. You agree to provide accurate, current, and complete information during registration and to maintain the confidentiality of your account credentials. You are responsible for all activities conducted through your account. Any suspected unauthorized access must be reported immediately to our support team.
7. Limitation of Liability
To the fullest extent permitted by law, MarkKowalchuk and its affiliates, employees, and partners are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use or inability to use the website or services. This includes, but is not limited to, financial losses, investment losses, or disruptions to business operations. By using our services, you acknowledge and accept these limitations.
8. Indemnification
You agree to indemnify, defend, and hold harmless MarkKowalchuk, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses (including legal fees) arising out of your use of the website, violation of these terms, or infringement of any rights of a third party.
9. Governing Law
These Terms & Conditions are governed by and construed in accordance with the laws of US, without regard to its conflict of law provisions. Any disputes arising from or related to these terms shall be subject to the exclusive jurisdiction of the courts located in US.
10. Termination
We reserve the right to suspend or terminate your access to our website or services at our discretion, without notice, for any reason, including violation of these Terms & Conditions. Sections relating to intellectual property, liability, and indemnification will survive termination.
11. Privacy
Your use of the website is also governed by our Privacy Policy, which explains how we collect, use, and protect your information. By using our services, you consent to our practices regarding personal data as described in the Privacy Policy.
12. Entire Agreement
These Terms & Conditions, together with our Privacy Policy and any other applicable policies, constitute the entire agreement between you and MarkKowalchuk regarding your use of the website and services. Any previous agreements, representations, or communications, whether written or oral, are superseded by these terms.