Terms and Conditions

1. Scope

This page contains the HR Capital Insights site terms of use that apply to all visitors. These Terms and Conditions govern how users access, read, and utilize stock information content available on the site. These terms apply without exception to all pages and site features. By using the site, users acknowledge understanding that HR Capital Insights provides general informational content and does not offer transaction services, account registration, or payment facilities of any kind.

2. Site Use

The HR Capital Insights site is provided as an information source regarding stocks and capital markets in the form of explanations, general data, and related context. Visitors can read and utilize content for personal information purposes. The site does not provide transaction instructions or services requiring special permits. Site use must be conducted reasonably and in accordance with laws applicable in the United States. Users are advised not to enter irrelevant or sensitive data through available communication channels.

3. Stock Information

Stock content is structured as general explanations covering definitions, processes, data, and capital market context. Available information is not intended as investment decision-making guidance or professional recommendations. The site does not provide financial instrument assessments, product comparisons, or personal analysis services. Interpretation of information is the user's responsibility and is not within HR Capital Insights's control.

4. Intellectual Property Rights

All text, page structure, and elements displayed on the site are considered part of HR Capital Insights's intellectual property. Users are permitted to read or save portions of content for personal and non-commercial use. Duplication or distribution of content for other purposes is advised to be done with obtaining written permission from HR Capital Insights. Any removal or alteration of attribution is not permitted without official consent.

5. User Behavior

Users are expected to use the site in a manner that does not disrupt technical functions or threaten system security. Users are not permitted to attempt to access areas not open to the public, modify content, or conduct activities that may interfere with site operations. Any messages sent through the Contact page should contain information relevant to communication purposes and not contain content prohibited according to legal provisions.

6. Limitation of Liability

HR Capital Insights provides site content as is for information purposes. HR Capital Insights does not warrant that all information presented is always updated at all times. HR Capital Insights is not responsible for technical disturbances, access limitations, or interpretation inaccuracies made by users regarding content. The site may experience technical changes at any time without notice. Users are advised not to rely on site information as a basis for professional decision-making.

7. Links to External Sources

The site may contain links to external information sources not under HR Capital Insights's control. Such links are provided as references for additional information. HR Capital Insights does not manage the policies or content of third-party sites and is not responsible for personal data processing that occurs outside the HR Capital Insights site. Visitors are advised to review the terms and policies of each external site before accessing them.

8. Site Changes

HR Capital Insights may make changes to site structure, content presentation, or technical elements at any time according to operational needs. Such updates may be made without direct notification to users. The latest version of site content replaces previous information and is considered applicable information at the time of access.

9. Terms and Conditions Changes

These Terms and Conditions may be updated to adjust to operational changes, technical improvements, or new legal provisions. The update date is listed in the Contact Information section. Users are advised to read this page periodically to understand the terms applicable when accessing the site.

10. Applicable Law

The provisions in this document are governed by United States law. If any part is deemed inapplicable based on legal provisions, other parts that remain compliant continue to apply. This document is structured as an administrative explanation regarding site use without creating contractual relationships outside the scope of informational content use.