Terms of Service

1. Use of the Site

VRAnalytics provides free access to financial and economic research tools, data visualizations, banking sector analytics, and educational content. You may browse and use the Site for personal, educational, and professional research purposes, subject to these Terms.

You agree not to:

• Use the Site for any unlawful purpose or in violation of applicable regulations
• Attempt to gain unauthorized access to our systems, data, or infrastructure
• Scrape, copy, or redistribute substantial portions of the Site's content without permission
• Interfere with the proper functioning of the Site or its services

2. Financial Disclaimer

The information on this Site is provided for informational and educational purposes only. It does not constitute financial, investment, legal, or professional advice. VRAnalytics is not a licensed financial advisor, broker, or investment firm.

Banking sector data, scores, charts, and reports are based on publicly available sources and our analytical methodology. While we strive for accuracy, we make no warranties regarding the completeness, timeliness, or reliability of any data or analysis presented. You should independently verify information and consult qualified professionals before making financial decisions.

VRAnalytics shall not be liable for any losses or damages arising from reliance on information published on this Site.

3. Intellectual Property

All original content on the Site — including research methodology, visualizations, articles, and software tools — is the property of VRAnalytics or its contributors, unless otherwise noted. You may reference and link to our content with proper attribution. Reproduction or commercial use requires prior written permission.

4. Third-Party Content and Links

The Site may contain links to third-party websites, data sources, or embedded content. VRAnalytics does not control and is not responsible for the content, privacy practices, or availability of third-party resources.

5. Advertising

The Site may display advertisements served by Google AdSense and other third-party ad networks. These services may use cookies and similar technologies to serve ads based on your prior visits. See our Privacy Policy for details on how advertising data is handled and how to opt out.

5a. Paid Subscriptions

Optional Pro and Premium subscriptions may be purchased through Stripe Checkout. Payment card details are processed by Stripe and are not stored on our servers. Plan access is granted after successful payment and may expire according to the purchased term or Stripe subscription period. Administrators may also assign plans manually.

6. Disclaimer of Warranties

The Site and all content are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

7. Limitation of Liability

To the fullest extent permitted by law, VRAnalytics and its contributors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising from your use of the Site.

8. Changes to These Terms

We may update these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms. The "Last updated" date at the top reflects the most recent revision.

9. Contact

Questions about these Terms may be directed to vranalyticsltd@gmail.com or via our Contact page.