Terms of Use

Last updated: August 5, 2025

These Terms of Use govern your access to and use of the services, platform, and content provided by bajucie (referred to as "we," "us," or "our") through bajucie.com and any associated tools or applications (collectively, the "Service"). By accessing or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not access or use the Service.

1. Eligibility

You must be at least 18 years of age, or the age of legal majority in your jurisdiction if higher, to use the Service. By using the Service, you represent and warrant that you meet this requirement and that you have the legal capacity to enter into a binding agreement. If you are using the Service on behalf of an organisation, you represent that you have the authority to bind that organisation to these Terms.

2. Account Registration

Certain features of the Service require you to register for an account. When registering, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify us promptly at help@bajucie.com if you suspect any unauthorised access to or use of your account. We reserve the right to suspend or terminate accounts that contain inaccurate information or that have been used in violation of these Terms.

3. Permitted Use

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable licence to access and use the Service for your personal, non-commercial educational purposes. You may use the Service to participate in workshops, complete assignments, engage with interactive exercises, and access learning materials made available through the platform.

4. Prohibited Conduct

You agree that you will not, under any circumstances:

• Use the Service for any unlawful purpose or in violation of any applicable law or regulation
• Reproduce, distribute, sell, resell, sublicense, or commercially exploit any part of the Service or its content without our prior written consent
• Attempt to gain unauthorised access to any part of the Service, its servers, or any system or network connected to the Service
• Introduce viruses, malware, or any other harmful or disruptive code into the Service
• Scrape, crawl, or use automated tools to extract data from the Service without our express permission
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Interfere with or disrupt the integrity or performance of the Service or the experience of other users
• Post, upload, or transmit content that is defamatory, abusive, obscene, discriminatory, or otherwise objectionable
• Use the Service to send unsolicited communications or spam
• Circumvent, disable, or otherwise interfere with any security-related features of the Service

5. Intellectual Property

5.1 Our Content

All content available through the Service, including but not limited to course materials, workshop content, text, graphics, videos, software, and data compilations, is owned by or licensed to us and is protected by applicable intellectual property laws. Nothing in these Terms transfers any ownership rights in such content to you.

5.2 Your Content

You retain ownership of any content you submit, upload, or contribute to the Service ("User Content"). By submitting User Content, you grant us a worldwide, royalty-free, non-exclusive licence to use, store, display, and distribute that content solely for the purpose of operating and improving the Service. You represent and warrant that you have all rights necessary to grant this licence and that your User Content does not infringe any third-party rights.

5.3 Feedback

If you provide us with suggestions, ideas, or feedback about the Service, we may use such input without any obligation to compensate you or keep it confidential.

6. Payments and Subscriptions

6.1 Fees

Access to certain features or content may require payment of fees. All applicable fees will be clearly communicated before purchase. You agree to pay all charges associated with your selected plan or purchase at the prices in effect at the time of the transaction.

6.2 Billing

Where subscription-based access is offered, fees are billed in advance on a recurring basis according to your chosen billing cycle. You authorise us to charge your designated payment method for all applicable fees. It is your responsibility to ensure your payment information remains accurate and up to date.

6.3 Refunds

Refund eligibility is determined by the specific refund policy applicable to your purchase, which will be presented at the time of purchase or available upon request. Unless otherwise stated, fees paid are non-refundable except where required by applicable law.

6.4 Taxes

You are responsible for any taxes, duties, or levies applicable to your purchase, except where we are legally required to collect and remit such amounts on your behalf.

7. Third-Party Services and Links

The Service may contain links to or integrations with third-party websites, tools, or services. These are provided for convenience only and do not constitute an endorsement. We have no control over and accept no responsibility for the content, privacy practices, or terms of any third-party services. Your use of any third-party service is at your own risk and subject to that third party's terms and conditions.

8. Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the collection and use of your information as described in the Privacy Policy. We encourage you to review the Privacy Policy carefully.

9. Disclaimers

The Service and all content provided through it are offered on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the Service will be uninterrupted, error-free, secure, or free of harmful components. We do not warrant the accuracy, completeness, or suitability of any content available through the Service for any particular purpose. All educational content, including materials related to ensemble machine learning methods in finance, is provided for informational and skill-development purposes only and does not constitute professional financial, investment, or legal advice.

10. Limitation of Liability

To the fullest extent permitted by applicable law, we and our affiliates, officers, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or business opportunities, arising out of or in connection with your use of or inability to use the Service, even if we have been advised of the possibility of such damages. Our total aggregate liability to you for any claims arising under or related to these Terms shall not exceed the greater of the total fees you paid to us in the twelve months preceding the claim or one hundred euros (€100).

11. Indemnification

You agree to indemnify, defend, and hold harmless bajucie and its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your access to or use of the Service, your User Content, your violation of these Terms, or your violation of any rights of another person or entity.

12. Modifications to the Service

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the Service. We may also update the features, functionality, or pricing of the Service at our discretion.

13. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will update the "Last updated" date at the top of this page and, where appropriate, notify you by email or through a prominent notice within the Service. Your continued use of the Service after any changes take effect constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the Service.

14. Termination

We may suspend or terminate your access to the Service at any time, with or without cause or notice, including if we believe you have violated these Terms. Upon termination, your right to use the Service will immediately cease. Provisions of these Terms that by their nature should survive termination shall survive, including but not limited to intellectual property, disclaimers, limitation of liability, and indemnification.

15. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with applicable law, without regard to conflict of law principles. Any disputes arising out of or relating to these Terms or the Service shall be resolved through good-faith negotiation in the first instance. If a dispute cannot be resolved informally, it shall be submitted to binding arbitration or the competent courts of the applicable jurisdiction, as determined by applicable law. Nothing in this section limits your rights under mandatory consumer protection laws that may apply in your location.

16. Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, it shall be severed from these Terms. The remaining provisions shall continue in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy and any other policies or agreements expressly incorporated by reference, constitute the entire agreement between you and bajucie with respect to your use of the Service and supersede all prior or contemporaneous agreements, representations, and understandings relating to the same subject matter.

18. Contact Us

If you have any questions, concerns, or requests relating to these Terms of Use, you may contact us using the details below: