Terms and Conditions

1. Acceptance of Terms

By visiting, browsing, or otherwise using this website, you confirm that you have read, understood, and agree to be bound by these Terms, together with our Privacy Policy. If you do not agree with any part of these Terms, you should discontinue use of the Services immediately.

2. Description of Services

Batu Modaltama provides informational content, materials, and communications related to data analysis and risk management concepts for institutional audiences. The Services are provided for general informational purposes only and do not constitute financial, investment, legal, or tax advice. Nothing on this website should be interpreted as a recommendation, solicitation, or offer to buy or sell any financial instrument or digital asset.

3. No Investment Advice

Any content, analysis, commentary, or materials made available through the Services are provided "as is" for general informational purposes and should not be relied upon as the sole basis for any investment or business decision. You should seek independent professional advice before making decisions that may affect your financial or legal position.

4. Eligibility

The Services are intended for use by individuals and entities who have the legal capacity to enter into binding agreements. By using the Services, you represent that you meet this requirement and that your use of the Services does not violate any applicable law or regulation to which you are subject.

5. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Batu Modaltama or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any part of the Services without prior written consent, except as permitted for personal, non-commercial reference.

6. Acceptable Use

You agree not to use the Services in any way that could damage, disable, overburden, or impair the website, or interfere with any other party's use of the Services. You further agree not to attempt unauthorized access to any systems, accounts, or data connected to the Services.

7. Third-Party Links and Content

The Services may contain links to third-party websites or resources. Batu Modaltama does not endorse and is not responsible for the content, accuracy, or practices of any third-party sites. Access to any such links is at your own risk.

8. Disclaimer of Warranties

The Services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. Batu Modaltama does not warrant that the Services will be uninterrupted, error-free, or free from harmful components.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Batu Modaltama and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill arising from or related to your use of, or inability to use, the Services.

10. Indemnification

You agree to indemnify and hold harmless Batu Modaltama and its affiliates from any claims, damages, losses, or expenses, including reasonable legal fees, arising out of your use of the Services or your violation of these Terms.

11. Changes to the Services and Terms

Batu Modaltama reserves the right to modify, suspend, or discontinue any part of the Services at any time without notice. We may also revise these Terms from time to time. Continued use of the Services after any such changes constitutes your acceptance of the updated Terms.

12. Termination

We reserve the right to restrict or terminate your access to the Services at our discretion, without notice, for conduct that we believe violates these Terms or is otherwise harmful to other users, third parties, or Batu Modaltama.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Batu Modaltama operates, without regard to conflict of law principles. This section should be reviewed and finalized to reflect the actual governing jurisdiction applicable to your organization.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

15. Contact

Questions regarding these Terms may be directed through the contact channels provided on our Contact page.