Terms and Conditions

Last updated: January 1, 2025

Welcome to Xenoryn. By accessing and using this website, you agree to comply with these Terms and Conditions.

1. Acceptance of Terms

By accessing this website, you agree to be bound by these terms and conditions, all applicable laws and regulations. If you do not agree with any of these terms, you should not use this site.

2. Use of Site

This website provides educational information about personal finance. The content is for informational purposes only and does not constitute professional financial advice. We are not financial advisors nor do we provide investment services.

3. Disclaimer

The information provided on this website is for educational purposes only. We do not guarantee the accuracy, completeness, or timeliness of the information. Any action you take based on the information on this site is strictly at your own risk.

4. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Xenoryn and is protected by Panama copyright laws and international treaties.

5. Limitation of Liability

Xenoryn shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use or inability to use this website or its content.

6. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content or privacy practices of these external sites.

7. Modifications

We reserve the right to modify these terms and conditions at any time. Changes will take effect immediately upon posting on the website.

8. Governing Law

These terms and conditions are governed by the laws of the Republic of Panama. Any dispute related to these terms shall be subject to the exclusive jurisdiction of Panamanian courts.

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