Terms of Use

1.Acceptance of Terms

By accessing and using the Cognix Kinox website (torixiora.sbs) and our financial analysis services, 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 Cognix Kinox, a financial services company based in Malaysia.

If you do not agree with any part of these terms, you must discontinue use of our services immediately. Your continued use of our platform constitutes acceptance of any modifications to these terms.

2.Service Description

Cognix Kinox provides comprehensive financial statement analysis services designed to help businesses and individuals make informed financial decisions. Our services include but are not limited to:

• Financial statement analysis and interpretation
• Risk assessment and evaluation
• Financial reporting and advisory services
• Business performance analytics
• Investment analysis and recommendations

All services are provided subject to these terms and any additional agreements you may enter into with us.

3.User Obligations and Conduct

As a user of our services, you agree to:

• Provide accurate, current, and complete information about your financial situation
• Maintain the confidentiality of your account credentials
• Use our services only for lawful purposes
• Not attempt to gain unauthorized access to our systems or other users' accounts
• Comply with all applicable laws and regulations, including but not limited to:
  • Malaysian financial services regulations
  • Anti-money laundering requirements
  • Data protection and privacy laws
  • International financial reporting standards

4.Intellectual Property Rights

All content, software, analysis methodologies, and proprietary algorithms used in our services are owned by Cognix Kinox or our licensors. This includes but is not limited to:

• Analytical frameworks and models
• Software applications and user interfaces
• Reports, templates, and documentation
• Trademarks, logos, and branding materials

You are granted a limited, non-exclusive, non-transferable license to use our services for your personal or business purposes. You may not reproduce, distribute, modify, or create derivative works from our content without explicit written permission.

5.Privacy and Data Protection

We take your privacy seriously and are committed to protecting your personal and financial information. Our data handling practices include:

• Encryption of sensitive financial data during transmission and storage
• Strict access controls and authentication procedures
• Regular security audits and compliance assessments
• Adherence to Malaysian Personal Data Protection Act (PDPA) requirements

By using our services, you consent to the collection, processing, and storage of your data as outlined in our Privacy Policy. We will never sell your personal information to third parties without your explicit consent.

6.Financial Disclaimers and Limitations

You acknowledge and understand that:

• Our services are for informational and analytical purposes only
• We do not provide personalized investment advice unless explicitly stated
• Market conditions can change rapidly, affecting the accuracy of our analysis
• You should consult with qualified financial advisors before making significant financial decisions
• We are not responsible for losses resulting from your financial decisions based on our analysis

7.Limitation of Liability

To the fullest extent permitted by Malaysian law, Cognix Kinox shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of our services.

Our total liability for any claims arising from or related to these terms or our services shall not exceed the amount you have paid us for services in the twelve (12) months preceding the claim.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for consequential damages, so the above limitations may not apply to you.

8.Termination

Either party may terminate this agreement at any time with or without cause. We reserve the right to suspend or terminate your access to our services immediately if:

• You breach any provision of these terms
• You engage in fraudulent or illegal activities
• You fail to pay for services when due
• We discontinue our services or cease operations

Upon termination, your right to use our services will cease immediately, but these terms will continue to apply to any prior use of our services.

9.Governing Law and Dispute Resolution

These terms shall be governed by and construed in accordance with the laws of Malaysia. Any disputes arising from or relating to these terms or our services shall be resolved through binding arbitration in accordance with the rules of the Asian International Arbitration Centre (AIAC).

The arbitration shall be conducted in English in Kuala Lumpur, Malaysia. The decision of the arbitrator shall be final and binding on both parties.

10.Modifications to Terms

We reserve the right to modify these terms at any time. We will notify you of significant changes by posting the updated terms on our website and sending notice to your registered email address. Your continued use of our services after such modifications constitutes acceptance of the revised terms.

It is your responsibility to review these terms periodically for changes. If you do not agree to any modifications, you must discontinue use of our services.