PLEASE READ THESE TERMS AND CONDITIONS BELOW CAREFULLY, BEFORE ACCESSING AND/OR USING THIS WEBSITE
Updated as of December 8, 2020
We provide and make available the publicly accessible portions of Our website https://sqn.lucroranalytics.com, including access and use through any other website or platforms or mobile applications (collectively, “Site”) and the Services (defined below), subject to the following terms and conditions contained in this Terms of Use (“Terms of Use”).
By accessing and/or using and/or continuing access and use of this Site and/or Services, You agree that You have freely and voluntarily entered into the Terms of Use and such other documents as referenced in the Terms of Use (and all amendments to each of the Terms of Use and such other documents, from time to time), and have read and understood each and every provision, including, but not limited to, Your rights, obligations, and applicable terms and conditions as set forth in the Terms of Use and agree to be bound by all the provisions of the Terms of Use. If You do not agree any to be legally bound by any provision of the Terms of Use, You should discontinue Your access and/or use to the Site and/or Contents and/or Services, immediately.
Your access and use of the Services, including rights and obligations, are provided by Lucror pursuant to a separate manually or digitally - executed agreement between You and Lucror (“User Agreement”). Those additional terms become part of Your agreement with Us, if You use the Services on the Site.
The terms “You” or “Your” means the user of the Site and/or Services.
Any and all information, content, data, research, insights, software, estimates, projections, forecasts, facts, statements, algorithms, strategies, credit ratings, publications, indicators, tools for portfolio construction, information and data on securities, parameters and performance matrices, portfolio monitoring tools and services, modules, discussion forums (including blogs, podcasts, seminars, webinars or such other forums), information technology and information technology-based solutions, financial data aggregation, technical consultations (physical or online), platforms, and/or other services relating to or connected with or arising out of Lucror’s Smart Quant Navigator technology for bond portfolio management and factor investing.
By accessing and/or using the Site and the Services You agree to Our Privacy Policy , the terms of which are incorporated into, and form a crucial part of, these Terms of Use. Our Privacy Policy sets out the terms on which We process any personal, or other data We collect from You, or that You provide to Us or make available on the Site and/or through the use of the Services. You consent to such processing and You warrant that all data provided by You is accurate. Please carefully read and understand the Privacy Policy prior to accessing and/or using any part of the Site and/or Services.
The Site is operated by Lucror Analytics Pte. Ltd. (“We” or “Lucror” or “Our” or “Us”). We are registered in Singapore (RC No: 201005735Z) and have our registered office at Marina One East Tower, 7 Straits View, #05-01, Singapore 018936.
We reserve the right, at Our sole discretion, to change, modify, add or remove any or all portions of these Terms of Use, at any time without any prior written notice to You, and such revisions shall be binding on You. Some of the provisions contained in these Terms of Use may also be superseded by provisions or notices published elsewhere on the Site. It is Your responsibility to review these Terms of Use and the Site periodically for updates/changes. Your continued use of the Site following the posting of changes will mean that You accept and agree to the revisions. As long as You comply with these Terms of Use, We grant You a personal, non-exclusive, non-transferable, limited privilege to enter and use the Site and/or the Services as a licensed user.
Access to and use of the Site and Services is available to any person, including without limitation, an individual (being at least 18 (eighteen) years of age and competent to enter into a binding and enforceable contract), company, partnership, trust, society, firm or any other body corporate competent to enter into a binding and enforceable contract and agreeing to be bound by the Terms of Use and the User Agreement. If You are entering into these Terms of Use on behalf of a company, organisation, body corporate or any other legal entity (an “Entity”), You agree to these Terms of Use for and on behalf of that Entity and You hereby represent and warrant to Us that You have the authority to bind such Entity and its affiliates to these Terms of Use and such Entity shall be liable for Your actions and/or inactions in relation to, connected with and/or arising out Your access and/or use of the Site and/or Services, and in which case the terms, “You” or “Your” and related capitalized terms used herein shall refer to such Entity and its affiliates.
We provide a subscription-based service to access and use the Services through the Site to registered users, whose employer enters into and executes a User agreement with Us, pays the requisite subscription fees in accordance with the User Agreement, and for whom we create an account on the Site (the “ Registered Users ”). If You are not a Registered User, You may not be permitted to access some or all of the Services on the Site. All Registered Users shall be subject to the terms and conditions of the User Agreement. It is clarified that the number of users and passwords (“User Details”) permitted to access and use the Services will be restricted to such number as may be agreed in the User Agreement; provided, however, that the Registered User shall at all times be liable for any and all activities, actions and/or inactions in relation to, connected with and/or arising out access and/or use of the User Details on the Site and the Services. By registering, You certify that all information that You provide, including without limitation User Details, now or in the future, is true and accurate. You further agree that You will not sell, transfer or assign Your membership or any membership rights, without Our prior written consent.
In order to cancel Your subscription access to Our Services, You/Your employer is required to send an email notification to sqnsupport@lucroranalytics.com. Upon termination of your subscription, You/Your employer will receive an email confirmation on Your registered e-mail address.
You also agree and acknowledge that We reserve the right to amend or suspend access to any portion of the Site and/or Services, for such period of time as We may deem fit in Our sole discretion. Upon such an occurrence, We will notify You accordingly. We will not be liable if for any reason the Site and/or Services is unavailable at any time or for any period.
You accept, agree and acknowledge that Lucror has the right to change the content or technical specifications of any aspect of the Site and/or Services, and/or upgrade the Services (including any software upgrades), at any time, and at Lucror’s sole discretion. You further accept that such changes may result in You temporarily being unable to access the whole or part of the Services and/or Site. We shall not be held liable for such interrupted use of the Site and/or Services.
You agree and acknowledge that any information provided to You, including without limitation in relation to, connected with or arising out of the Services, content provided through the Services or on the Site, User Details or security procedures, is strictly confidential, and You agree to treat such information as confidential, and to not disclose it to any third party. We have the right to disable any Service or feature thereof, or User Details, whether chosen by You or allocated by Us, at any time, if, in Our sole opinion, You have failed to comply with any of the provisions of the Terms of Use at Our discretion. However, We may choose to allow You to cure any breach of the Terms of Use, within 15 calendar days from the date we notify You.
You are solely responsible for making all arrangements, technical or systemic or otherwise, necessary for You to have access to the Site and/or Services. You are also responsible for ensuring that all persons who access the Site and/or Services through Your internet connection and/or User Details are aware of these Terms of Use and the documents and policies referred hereunder, and that they accept to be bound by them and strictly comply with them.
Lucror operates this Site from Singapore, which Site is hosted in the United States of America. Lucror makes no representation that the Site and/or the Services, in whole or in part, are appropriate or available for use in locations other than Singapore. If You access and/or use this Site and/or Services from locations outside of Singapore You do so on Your own initiative and at Your sole risk, and You are solely responsible for compliance with local laws, if and to the extent such local laws are applicable. Lucror makes no representation that the content on the Site and/or Services are appropriate or available for access or use in other locations.
By providing Your User Details for the use of Our Services, You consent to receive all notices and information regarding Our Services and other offerings electronically. Electronic communications may be posted on the Site and/or delivered to Your registered e-mail address. All communications in electronic format will be considered to be in “writing,” and to have been received no later than Two (2) business days after posting or dissemination, whether or not You have received or retrieved the communication. Your consent to receive communications electronically is valid until the termination of Your relationship with Us in accordance with the User Agreement and these Terms of Use. It is Your responsibility to provide Us with true, accurate and complete e-mail addresses, contact and other information related to this disclosure and to maintain and update promptly any changes in this information. You may print a copy of any electronic communications and retain it for Your records. We reserve the right to terminate or change the terms and conditions on which we provide electronic communications.
Lucror may make available white-papers, brochures, newsletters, updates and such other marketing materials (“Publications”) to You on the Site and as part of the Services, from time to time. Such Publications are based on our sole views, judgements and opinion. You may choose to agree or disagree with the content set forth in the Publications and are requested to exercise Your own judgement, risk assessment and seek professional advice while accessing and/or using the Publications. The Publications made available to You are for providing information and/or marketing the Services and other products and services of Lucror, from time to time and do not constitute investment, tax, legal or accounting advice. The content in Our Publications is prepared using publicly available information which We believe to the true and accurate; You agree and acknowledge that You are not bound to follow any content made available to You in the Publications or otherwise.
You shall not use the Services for any illegal, unlawful or prohibited purposes (“ Prohibited Uses ”). In particular, the Services shall not be used for any illegal transactions or for the transmission of any offensive content.
Further, by using the Services on Site, You shall:
You agree and confirm that the above list is not exhaustive and has been provided for illustrative purposes only. In the event You use the Site and/or the Services for any Prohibited Uses, We reserve the right to immediately, and without notice, suspend or delete Your account with Us, terminate the User Agreement, ban You from accessing Site and Services in the future and/or report You to the concerned authorities.
All rights, title, and interest in and to (i) documentation and information; (ii) Services (including without limitation, software, content); and/or (iii) all of Lucror’s patents, inventions, copyrights, trademarks, domain names, trade secrets, know-how and any other intellectual property and/or proprietary rights in or related to the Service(s) and the or any derivatives thereto Site, and any part of the Service(s) (collectively, “Intellectual Property Rights”) shall belong to and remain exclusively with Lucror or other third parties who are protected from any unauthorized use, copying and dissemination by copyrights, trademarks, service marks, international treaties, and/or other proprietary rights and laws of other countries. Lucror is the owner or the licensee of all Intellectual Property Rights on the Site and the Services, including without limitation, in relation to any content or material published or made available on the Site.
Without generality to the foregoing paragraphs, any and all information and content (including without limitation, any analysis) relating to selection, choice, idea, parameters of screening or concept of pooling of the information regarding securities on the Site, is the proprietary and confidential property of Lucror and cannot be repeated for any reason outside of the Site. You agree not to repeat or redistribute in any way any information made available to You on the Site for any reason whatsoever. You agree that if You breach the terms of this paragraph, You will be liable for any loss or damage incurred or suffered by Us.
Our Intellectual Property Rights are protected by the laws of Singapore and international copyright and database right laws. The Services are also protected as a collective work or compilation under international treaties and laws of other countries. Any and all content, including content and other elements constituting the Services are also copyrighted works. You agree to abide by all applicable copyright and other laws, and other additional copyright notices or restrictions contained in the Services, at all times. You agree and acknowledge that substantial time, effort, money, resources and energy has been spent by Lucror and its affiliates in developing and making the Services available to You. You agree to protect the Intellectual Property Rights of Lucror and other third parties in the Services during and after the term of Your subscription to the Service. You also agree to co-operate and comply with all reasonable written requests made by Lucror and its third party service providers and licensors to protect their and others’ contractual, statutory, and common law rights in the Services.
If You become aware of any unauthorized access or use of the Services by any person or entity or of any claim that the Services infringes upon any copyright, trademark, or other contractual, statutory, or common law rights, You will inform Us immediately. All present and future rights in and title to the Services (including the right to exploit the Services, or any part thereof) are reserved to Lucror for its exclusive use. The use and/or reproduction of Our intellectual property rights without Our prior written permission is prohibited. Any and all goodwill generated from the use of Our intellectual property rights will inure to Our sole benefit.
If You believe, in good faith, that any content or part thereof infringes Your intellectual property right, please notify Lucror in writing to the address set forth below.
Attn: Mr. Madhav Kapadia Address: Lucror Analytics Pte. Ltd., Marina One East Tower, 7 Straits View, #05-01, Singapore 018936.
You shall be responsible for any notes, messages, portfolios constructed, emails, content, reviews, postings, photos, drawings, profiles, opinions, ideas, images, videos or other materials or information created, posted or uploaded or transmitted by You to the Site (collectively, “UserContent”). You warrant that any content uploaded by You to the Site shall at times comply with standards acceptable to Us, and, without limiting the generality of the foregoing, You shall not contribute unsolicited or unauthorised advertisement and/or material which is offending, harmful in any manner, defamatory, obscene, sexually or racially oriented or, in Lucror’s opinion, otherwise objectionable.
As part of the Services being offered on the Site, Lucror shall have the right to access, possess, handle, deal with, transmit, store, manage and/or transfer part or whole of the User Content, to improve and/or enhance the Services being offered on the Site, including for the purposes of conducting discussions with You; however, Lucror shall not have the right to modify such User Content without the prior written consent of the Registered User.
Lucror does not claim ownership of the User Content that You upload on the Site as part of the Services (including feedback, portfolio data and suggestions). However, by posting, uploading, inputting, providing or submitting (“Posting”, along with its grammatical variations) Your User Content, You are granting Lucror, its affiliated companies and necessary sublicensees permission to use Your User Content in connection with improving and/or enhancing the Services, including, without limitation, the license rights to: view, copy, transmit, store, handle, translate and possess Your User Content and the right to sublicense such rights to any supplier of the Services. No compensation will be paid with respect to the use of your User Content, as provided herein.
By posting User Content, You warrant and represent that You own or otherwise control or have the license to all of the rights to Your User Content as described in these Terms of Use including, without limitation, all the rights necessary for You to provide, transmit, post, upload, input or submit the User Content. In addition to the warranty and representation set forth above, by posting User Content that contains images, photographs, pictures, diagrammatical representations or that are otherwise graphical in whole or in part (“Images”), You warrant and represent that (a) You are the copyright owner of such Images, or that the copyright owner of such Images has granted You permission to use such Images or any content and/or images contained in such Images consistent with the manner and purpose of Your use and as otherwise permitted by these Terms of Use and the Services, (b) You have the rights necessary to grant the licenses and sublicenses described in these Terms of Use, and (c) that each person depicted in such Images, if any, has provided consent to the use of the Images as set forth in these Terms of Use, including, by way of example and not as a limitation, the distribution, public display and reproduction of such Images.
You shall be solely responsible for the User Content Posted by You, infringement of third-party intellectual property rights or accuracy of any User Content posted by You.
The Terms of Use shall be governed and construed in accordance with the laws of Singapore, without giving effect to conflicts-of-law principles thereof. With respect to any disputes or claims, You agree to submit to the Singapore courts, which shall have exclusive jurisdiction with respect to any legal proceedings that may arise from, in connection with or related to the use of the Site and the Service or from a dispute as to the interpretation or breach of the Terms of Use.
Notwithstanding anything to the contrary in the Terms of Use, We retain the right to commence proceedings against You for breach of these Terms of Use in Your country of residence or any other relevant country.
To the extent permitted by Applicable Law: (i) no claim or right arising out of the Terms of Use can be discharged, in whole or in part, by a waiver or renunciation of the claim or right unless such waiver or renunciation is express in writing and signed by the party giving the same; (b) failure to insist on strict performance of any of the terms, conditions or obligations of the Terms of Use will not operate as a waiver or acquiescence of any subsequent default or failure of performance; and (c) no waiver by Us of any right or provision under the Terms of Use will be deemed to be either, a waiver of any other right or provision or a waiver of that same right or provision at any other time.
No joint venture, partnership, employment, or agency relationship exists between you and Lucror as a result of the Terms of Use or Your access and use of the Site. If any provision of this Terms of Use is held unenforceable by a court or tribunal of competent jurisdiction, that provision shall be enforced to the maximum extent permissible so as to effect the intent of the parties, and the remainder of the Terms of Use shall continue in full force and effect.
You agree to defend, indemnify and keep indemnified, hold Lucror and Lucror Representatives harmless from and against any and all actions (including third party actions and claims), demands, costs, claims, losses, liabilities, damages, fines, penalties, charges and expenses, including legal fees, arising out or related to or connected with (i) Your use or someone using Your computer and/or account to access and/or use the Site and/or Services; (ii) a breach of the Terms of Use by You or someone using Your computer and/or account to use the Services; (iii) a claim that any use of the Services by You or someone using Your computer and/or account to use the Services infringes any intellectual property right of any third party, or any right of privacy or publicity, is libellous or defamatory, or otherwise results in injury or damage to any third party; and/or (iv) any deletions, additions, insertions or alterations to, or any unauthorised use of, the Services by You or someone using Your computer and/or account to use the Services. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by You, without relieving You of Your indemnity obligations under the Terms of Use, and in that event, You agree to fully cooperate with Our defense of the claim.
The access and use of the Services is co-terminus with the User Agreement. Subject at all times to the User Agreement, You may terminate the Terms of Use, with or without cause and at any time, by discontinuing Your use of the Site and/or Services. Subject to the User Agreement, You acknowledge and agree that Lucror may suspend (either in whole or part) Your access to and use of the Site and/or Services at any time, in Our absolute discretion. Upon such an occurrence, We will notify You accordingly. We shall not be liable to You or any third party for the termination or suspension of the Service and/or access or use of the Site, or any claims related to the termination or suspension of the Service and/or access or use of the Site. The following paragraphs of this Terms of Use shall survive termination of Your use or access or use to the Site and/or Services: paragraphs concerning Indemnification, Exclusion of Liability, and any other provision that by its terms survives termination of Your use of or access to the Site. Upon termination of Your subscription to the Services, or upon demand by Us, You must destroy all materials obtained from this Site and all related documentation and all copies thereof.
We may decide to discontinue some or all of the Services in response to unforeseen circumstances beyond Our control or to comply with a legal requirement.