Permitted use of services
Use of the website and its services is permitted only in accordance with these Terms and all applicable laws. The Company reserves the right to modify, suspend, or discontinue any aspect of the website without notice.
User eligibility
Use of this website is permitted only for individuals or entities capable of forming legally binding contracts under applicable law. Minors and those barred from using such services under local regulations are not permitted to access the website.
By using the website, you confirm that you meet the eligibility requirements outlined in these Terms and Conditions.
User responsibilities
Users have specific responsibilities to ensure lawful and secure use of the website. Failure to comply may result in limitation or revocation of access rights.
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Users are responsible for ensuring that all information provided to the Company is accurate, complete, and up to date. False or misleading information may result in restriction or termination of access.
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Users must maintain the confidentiality of any credentials, passwords, or access codes associated with the website. The Company is not responsible for unauthorized access resulting from user negligence.
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Users are responsible for compliance with all applicable local, national, and international laws when using the website and its services.
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Users must immediately notify the Company of any suspected security breach, unauthorized use, or loss of access credentials.
Definitions
The following definitions clarify terminology used in these Terms and Conditions. Understanding these terms is essential for interpreting rights and responsibilities as outlined.
“Company” refers to the operator and owner of this website, including its employees, agents, and representatives. The Company provides analytical frameworks, scenario modeling, and data validation services for private credit risk assessment.
“User” means any individual or entity who accesses or utilizes any part of the website, regardless of registration or account status. Users agree to comply with these Terms and all applicable laws.
“Content” includes all text, images, graphics, data, reports, models, methodologies, and documentation made available on or through the website, whether created by the Company or its contributors.
“Services” refers to all functionalities, analytical processes, reporting tools, and support provided by the Company via the website, including but not limited to risk modeling and scenario analysis.
Prohibited uses
Certain uses of the website are strictly prohibited. The following activities are expressly forbidden and may result in termination of access or legal action.
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Users may not use the website or its content for unlawful, fraudulent, or malicious purposes, including violating any applicable local, state, or international law.
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Users may not interfere with the operation or security of the website, attempt to gain unauthorized access to systems, or disrupt the website’s functionality in any way.
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Users are prohibited from transmitting viruses, malware, or other harmful code, or from posting any material that could damage or compromise data, reputation, or operations.
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It is forbidden to impersonate the Company, its staff, or other users, or to misrepresent affiliation with any entity for deceptive purposes.
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Users may not copy, scrape, or extract data, models, or content for commercial use or distribution without written consent from the Company.
Intellectual property
All content, methodologies, and models on this website are protected by intellectual property laws. Users may not copy, distribute, modify, or exploit any content without prior written consent from the Company or unless permitted by law.
User-submitted content
Users may submit data, feedback, or materials to the website where permitted. By doing so, users grant the Company a non-exclusive, royalty-free license to use, reproduce, and modify such content for operational purposes.
Rights regarding user content
The Company may remove, modify, or restrict user-submitted content at its sole discretion if it violates these Terms, applicable law, or the rights of others.
Privacy and data protection
The Company is committed to protecting your privacy. For details on data collection, processing, and your rights, see the Privacy Policy. Use of this website is subject to the Privacy Policy in force at the time of access.
Read the Privacy PolicyDispute resolution process
The Company is committed to resolving disputes amicably and efficiently. Initial efforts should focus on negotiation and direct communication before pursuing other avenues.
Disclaimer
The content provided on this website is for informational purposes only and does not constitute financial, legal, or professional advice. The Company makes no representations or warranties regarding accuracy, completeness, or suitability for any purpose.
Important caution
Users should not rely solely on website content for decision-making. Independent verification and consultation with relevant professionals are recommended before acting on any information provided here.
Limitation of liability
The Company is not liable for any direct, indirect, incidental, or consequential damages arising from use of the website or reliance on its content. Use of the website is at the user’s own risk.
Indemnification
Users agree to indemnify and hold harmless the Company, its employees, and affiliates from any claims, liabilities, damages, or expenses arising from violation of these Terms, misuse of the website, or infringement of third-party rights.
Dispute arbitration
Any disputes not resolved through direct negotiation may be referred to binding arbitration in accordance with the rules of the Australian Centre for International Commercial Arbitration. The arbitrator’s decision shall be final and binding on all parties.
Arbitration does not limit any statutory rights or remedies available under Australian law. Users retain the right to seek legal recourse in the appropriate courts for certain claims as permitted by law.
Online Dispute Resolution (ODR)
If you are an Australian or EU resident, you may access the Online Dispute Resolution (ODR) platform for certain disputes related to online transactions. The ODR platform offers a simple, out-of-court solution to consumer complaints.
See Online Dispute Resolution platformGoverning law and jurisdiction
These Terms and Conditions are governed by and construed in accordance with the laws of Australia. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the Australian courts.
Termination of access
The Company reserves the right to terminate or restrict user access to the website at any time, with or without cause, and without prior notice. Reasons may include violation of these Terms, security concerns, or unlawful conduct.
Modifications to terms
The Company may modify these Terms and Conditions at any time. Notice of material changes will be posted on the website. Continued use after changes are posted constitutes acceptance of the revised Terms.
Severability
If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
Entire agreement
These Terms and Conditions, along with any referenced policies or notices, constitute the entire agreement between the user and the Company regarding website use. No other representations or agreements apply unless expressly stated herein.
Contact information
For inquiries regarding these Terms and Conditions or for support related to your use of the website, contact the Company through the contact form. The Company will respond to all reasonable requests in a timely manner.
Official email: content@malquinos.com
Official phone: +61 2 5027 4122
Business address: 365 Little Collins St, Melbourne, VIC 3000, Australia