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1. Acceptance of Terms

By accessing or using the Merdeka Finansial Service, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you should not access or use the Service. Continued use of the Service after any changes to these Terms constitutes acceptance of those changes.

2. Description of Service

Merdeka Finansial provides predictive analytics content, informational tools, and related materials intended for general informational purposes. Nothing published through the Service constitutes financial, investment, tax, or legal advice, and no content should be relied upon as a substitute for consultation with a qualified professional.

3. No Investment Advice

Any data, charts, projections, or commentary made available through Merdeka Finansial are provided for educational and illustrative purposes only. Merdeka Finansial does not act as a financial advisor, broker, or fiduciary. Decisions made based on information from the Service are made at your own discretion and risk. Past performance, hypothetical outcomes, or predictive indicators do not guarantee future results.

4. Eligibility

You must be at least the age of majority in your jurisdiction to use the Service. By using the Service, you represent that you have the legal capacity to enter into these Terms.

5. User Responsibilities

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Attempt to gain unauthorized access to any part of the Service or its underlying systems.
• Reproduce, duplicate, copy, sell, or exploit any portion of the Service without express written permission.
• Use automated means (bots, scrapers) to extract data from the Service without authorization.
• Interfere with or disrupt the integrity or performance of the Service.

6. Intellectual Property

All content, design elements, trademarks, and materials available through the Service, unless otherwise noted, are the property of Merdeka Finansial or its licensors and are protected by applicable intellectual property laws. No license or right is granted to you except as necessary to view and use the Service for its intended personal purposes.

7. Third-Party Links and Services

The Service may contain links to third-party websites or resources. Merdeka Finansial does not endorse and is not responsible for the content, accuracy, or practices of any third-party sites. Access to any such linked resources is at your own risk.

8. Disclaimer of Warranties

The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Merdeka Finansial does not warrant that the Service will be uninterrupted, error-free, or free of harmful components.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Merdeka Finansial, its owners, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, arising from your access to or use of, or inability to access or use, the Service.

10. Indemnification

You agree to indemnify and hold harmless Merdeka Finansial and its representatives from any claims, damages, liabilities, and expenses arising out of your use of the Service or violation of these Terms.

11. Modifications to the Service and Terms

Merdeka Finansial reserves the right to modify, suspend, or discontinue the Service, in whole or in part, at any time without notice. Merdeka Finansial may also revise these Terms periodically; the updated version will be indicated by an updated "Last updated" date. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

12. Termination

Merdeka Finansial may suspend or terminate your access to the Service at its discretion, without notice, for conduct that it believes violates these Terms or is otherwise harmful to the interests of the Service or other users.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction where Merdeka Finansial operates, without regard to conflict-of-law principles. [Jurisdiction to be specified.]

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

15. Contact

Questions regarding these Terms may be directed through the contact channels listed elsewhere on this website.

This Terms of Service document is a general template provided for structural and informational purposes. It does not constitute legal advice and should be reviewed by a qualified legal professional before being relied upon for actual business use.