Terms of Service

1. AGREEMENT TO TERMS

You agree that by accessing the Services, you have read, understood, and agree to be bound by all of these Terms. Supplemental terms and conditions or documents that may be posted on the Services from time to time are hereby expressly incorporated herein by reference.

We reserve the right, in our sole discretion, to make changes or modifications to these Terms at any time and for any reason. We will alert you about any changes by updating the "Last Updated" date of these Terms.

The Services are intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Services.

2. SERVICES OVERVIEW

LudoX is a cloud-based platform that automates the generation of professional PowerPoint presentations from financial data exports. Our Services include:

• Uploading and processing CSV files containing financial portfolio data
• Generating client-ready PowerPoint reports with custom branding
• Secure, temporary data handling with zero-retention policies
• Multi-tenant architecture ensuring complete client data isolation

3. INTELLECTUAL PROPERTY RIGHTS

Unless otherwise indicated, the Services are our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Services (collectively, the "Content") and the trademarks, service marks, and logos contained therein (the "Marks") are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws.

The Content and the Marks are provided on the Services "AS IS" for your information and personal use only. Except as expressly provided in these Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

4. USER REPRESENTATIONS

By using the Services, you represent and warrant that:

1. You have the legal capacity and you agree to comply with these Terms
2. You are not a minor in the jurisdiction in which you reside
3. You will not access the Services through automated or non-human means
4. You will not use the Services for any illegal or unauthorized purpose
5. Your use of the Services will not violate any applicable law or regulation
6. If representing an organization, you have the authority to bind that entity to these Terms

5. USER ACCOUNTS

5.1 Registration

You must provide accurate, current, and complete information (including name, email, mobile, company) to create an account. You agree to promptly update your account information to keep it accurate, current, and complete.

5.2 Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account, whether or not authorized by you
• Implementing reasonable security measures to protect your account
• Notifying us immediately at contact@ludox.com.au of any unauthorized access or security breach

5.3 Suspension/Termination

We may suspend or terminate your account for violations of these Terms, suspected unauthorized or fraudulent use, if required by law, or at our discretion. You may terminate your account at any time by contacting us at contact@ludox.com.au.

6. DATA HANDLING AND PRIVACY

6.1 Data Ownership

You retain full ownership of all data uploaded to the Services. You grant LudoX a limited, non-exclusive license to process, store, and manipulate your data solely for the purpose of providing the Services you have requested.

6.2 Technical Access Restrictions

6.3 Zero-Retention Data Policy

6.4 Multi-Tenant Isolation

Each client operates within completely isolated infrastructure including dedicated S3 buckets, Lambda functions, and Cognito user pools. This architecture ensures that client data cannot be accessed by other tenants under any circumstances.

7. FEES AND PAYMENT

We accept the following forms of payment: Credit cards (Visa, Mastercard, American Express) and direct bank transfer for enterprise accounts.

You agree to provide current, complete, and accurate purchase and account information for all purchases made via the Services. Sales tax (GST) will be added to the price of purchases as required by Australian law. All payments shall be in Australian dollars.

8. CANCELLATION

You can cancel your subscription at any time by logging into your account or contacting us using the contact information provided below. Your cancellation will take effect at the end of the current paid term.

If you are unsatisfied with our services, please email us at contact@ludox.com.au or call us at 0414 238 812.

9. PROHIBITED ACTIVITIES

You may not access or use the Services for any purpose other than that for which we make the Services available. As a user of the Services, you agree not to:

• Systematically retrieve data or other content from the Services to create or compile a collection, compilation, database, or directory without written permission
• Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information
• Circumvent, disable, or otherwise interfere with security-related features of the Services
• Use any information obtained from the Services to harass, abuse, or harm another person
• Use the Services in a manner inconsistent with any applicable laws or regulations
• Upload or transmit viruses, Trojan horses, or other material that interferes with any party's uninterrupted use
• Engage in any automated use of the system, such as using scripts or data mining tools
• Attempt to impersonate another user or person
• Interfere with, disrupt, or create an undue burden on the Services
• Copy or adapt the Services' software or reverse engineer any software comprising the Services

10. DISCLAIMER

11. LIMITATIONS OF LIABILITY

12. INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of:

1. Use of the Services
2. Breach of these Terms
3. Any breach of your representations and warranties set forth in these Terms
4. Your violation of the rights of a third party, including but not limited to intellectual property rights
5. Any overt harmful act toward any other user of the Services

13. GOVERNING LAW

These Terms shall be governed by and construed in accordance with the laws of New South Wales, Australia, without regard to its conflict of law provisions. You irrevocably consent that the courts of New South Wales, Australia shall have exclusive jurisdiction to resolve any dispute which may arise in connection with these Terms.

14. ELECTRONIC COMMUNICATIONS

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communication be in writing.

YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES.

15. AUSTRALIAN CONSUMER LAW

If you are a consumer under the Australian Consumer Law, you may have certain rights and guarantees that cannot be excluded, restricted or modified. Nothing in these Terms is intended to exclude, restrict or modify any consumer guarantees under the Australian Consumer Law or any other applicable law where it would be unlawful to do so.

16. PRIVACY POLICY

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information when you use the Services. By using the Services, you agree to the collection and use of information in accordance with our Privacy Policy, which is incorporated by reference into these Terms.

17. MISCELLANEOUS

These Terms and any policies or operating rules posted by us on the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision.

If any provision or part of a provision of these Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms and does not affect the validity and enforceability of any remaining provisions.

There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Terms or use of the Services.