Terms & Conditions

1. Acceptance of Terms

By accessing or using the PhotaLab website (https://photalab.com) or any services provided by PhotaLab (“PhotaLab”, “we”, “us”), you agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree with these terms, please do not use our website or services.

2. Our Services

PhotaLab provides capital advisory, investment management, and fintech-related services to clients across various sectors. All services and offerings are subject to these Terms, as well as any specific agreements, order forms, or contracts entered into separately.

3. User Responsibilities

• You must be at least 18 years of age to use our services.
• You agree to provide accurate and current information.
• You will not use our services for any unlawful, unauthorized, or harmful purpose, including but not limited to reverse engineering, violating intellectual property rights, or transmitting malicious code.

4. Intellectual Property

All content, designs, graphics, logos, trademarks, software, and other intellectual property on this website are the exclusive property of Innovius or its licensors. You may not copy, reproduce, distribute, or exploit any of the materials without prior written consent from PhotaLab.

5. User Content

If you upload, submit, or transmit any content through our services, you retain ownership of such content. However, you grant Innovius a worldwide, royalty-free license to use, store, and process the content solely for the purpose of providing the services.

We reserve the right to remove or disable access to any content that violates these terms or applicable law.

6. Payment & Fees

All pricing, fees, and billing cycles are detailed in your agreement or order form. Fees are non-refundable unless otherwise stated. Innovius reserves the right to change pricing with reasonable notice to affected users.

7. Termination

We may suspend or terminate your access to our services immediately if you breach these Terms or misuse the services. You may terminate your account at any time by discontinuing use and resolving any outstanding obligations.

8. Disclaimers & Limitations of Liability

All services are provided “as is” and “as available”, without warranties of any kind, either express or implied. Innovius disclaims all liability for indirect, incidental, consequential, or punitive damages arising out of your use of our services, to the fullest extent permitted by law.

9. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Delaware, United States. Any disputes arising under these Terms shall be resolved exclusively in the state or federal courts located in Delaware.

10. Changes to Terms

We may revise these Terms from time to time. Updated versions will be posted on this page with the effective date. Your continued use of the site or services after any changes constitutes acceptance of the updated Terms.

11. Contact Us

For any questions about this Terms & Conditions or to exercise your rights, please contact:

xxx@xxx.com