Terms of Use

1. Acceptance of terms. By using Tochka Kapitala, you confirm that you are 18 or older and agree to these terms. 2. Nature of the service. The Portal is provided "as is" without any warranties. We reserve the right to modify, suspend, or discontinue any part of the Portal without notice. 3. Accounts. If you create an account, you agree to provide accurate information and are responsible for the security of your credentials. We may suspend or delete accounts upon breach of terms. 4. Acceptable use. You may not use the Portal for: • illegal activity; • automated scraping without permission; • distribution of malicious code; • infringement of third-party rights. 5. Intellectual property. All Portal content is owned by Tochka Kapitala or used under license. Commercial copying without written permission is prohibited. 6. Limitation of liability. To the maximum extent permitted by law, the Portal, its owners, employees, and partners are not liable for any direct, indirect, incidental, or consequential damages arising from use of the Portal or actions of third parties linked from the Portal. 7. Governing law. These terms are governed by the law of the European Union. Disputes are resolved in the court of the Portal owner's jurisdiction. 8. Changes. We may change these terms at any time. Continued use of the Portal after changes constitutes acceptance of the new version.