1 Acceptance of Terms

By accessing or using the InsightRatio platform at insightratio.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and InsightRatio regarding your use of our cost management services and educational resources.

If you do not agree with any part of these terms, you must discontinue use of our platform immediately. Your continued use of InsightRatio services constitutes ongoing acceptance of these terms and any future modifications we may make.

These terms apply to all users, including but not limited to individual business owners, corporate entities, educational institutions, and consulting firms accessing our platform for cost management purposes.

2 User Eligibility and Account Requirements

Users must be at least 18 years old and possess the legal authority to enter into binding agreements. If you are representing a business or organization, you warrant that you have the authority to bind that entity to these terms.

We reserve the right to suspend or terminate accounts that violate these eligibility requirements or provide false information during the registration process.

3 Permitted Use and Service Description

InsightRatio provides cost management tools, educational resources, and analytical services designed to help businesses optimize their financial operations. Our platform is intended for legitimate business purposes only.

You may not use our services for any unlawful purpose, to violate regulations in your jurisdiction, or in any way that could damage, disable, or impair our platform's functionality.

4 Prohibited Activities and User Conduct

To maintain a professional and secure environment for all users, the following activities are strictly prohibited:

Violation of these conduct rules may result in immediate account suspension or termination, and we may report illegal activities to appropriate authorities.

5 Intellectual Property Rights

All content, features, and functionality on the InsightRatio platform, including but not limited to text, graphics, logos, software, and educational materials, are owned by InsightRatio and protected by international copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable license to access and use our platform for its intended business purposes. This license does not permit you to:

6 Privacy and Data Protection

Your privacy is important to us. Our data collection, use, and protection practices are governed by our Privacy Policy, which forms an integral part of these Terms of Use. By using our platform, you consent to our data practices as described in that policy.

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no internet-based service can guarantee complete security.

7 Service Availability and Modifications

While we strive to maintain consistent service availability, InsightRatio does not guarantee uninterrupted access to our platform. We may temporarily suspend services for maintenance, updates, or technical improvements.

We reserve the right to modify, enhance, or discontinue any aspect of our services at our discretion. When possible, we will provide reasonable notice of significant changes that may affect your use of the platform.

8 Limitation of Liability and Disclaimers

InsightRatio provides cost management tools and educational resources, but we cannot guarantee specific business outcomes or financial results. Your success depends on various factors including market conditions, business execution, and external economic factors beyond our control.

To the maximum extent permitted by law, InsightRatio shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services, regardless of the theory of liability.

9 Termination and Account Closure

Either party may terminate this agreement at any time. You may close your account by contacting our support team or using account closure features within the platform. We may suspend or terminate accounts for violations of these terms or for business reasons.

Upon termination, your access to the platform will cease, but certain provisions of these terms will survive termination, including intellectual property rights, limitation of liability, and dispute resolution clauses.

10 Governing Law and Dispute Resolution

These Terms of Use are governed by the laws of Vietnam, where our business operations are based. Any disputes arising from these terms or your use of our services will be resolved through binding arbitration in accordance with applicable Vietnamese arbitration rules.

Before initiating formal dispute proceedings, both parties agree to attempt good-faith resolution through direct communication. We encourage users to contact our support team to address concerns promptly and professionally.

11 Updates and Communication

We may update these Terms of Use periodically to reflect changes in our services, legal requirements, or business practices. Significant changes will be communicated through email notifications and prominent platform notices.

By continuing to use InsightRatio services after term modifications take effect, you accept the updated agreement. We recommend reviewing these terms regularly to stay informed about your rights and obligations.