Disclaimer.

These disclaimers apply to your use of the TIKLE platform (“Platform”) and website, operated by Decipher Financials, a company incorporated in India (“Company”, “we”, “us”, or “our”). Read them together with our Terms of Service, Software Licence Agreement, and Privacy and Cookie Policy. By using the Platform, you acknowledge that you have read and accepted these disclaimers.

1. Not Investment Advice:

The Platform is a financial data aggregation and research tool. It does not provide, and must not be treated as providing, investment, financial, trading, tax, legal, accounting, or any other professional or personalised advice.

We are not a registered investment adviser, broker-dealer, financial planner, or fiduciary under any law. Nothing on the Platform is a recommendation, solicitation, or offer to buy, sell, or hold any security or investment.

The data, analytics, scores, and rankings are general and impersonal. They are not tailored to your situation, objectives, or risk tolerance. Consult a qualified, licensed adviser before making any investment decision. We do not endorse any BDC, security, issuer, or strategy.

2. Data Accuracy and Completeness:

Data is sourced from publicly available filings, including SEC EDGAR, XBRL datasets, and other regulatory disclosures. We do not independently verify, audit, or guarantee the accuracy, completeness, timeliness, or reliability of any data.

Data may contain errors, omissions, or delays from the source, our processing, or transmission. Scores, rankings, and analytics are computed outputs, not verified facts. Data is not real-time; there may be a delay between a filing and its appearance on the Platform. Do not rely on it for time-sensitive decisions.

3. No Warranty:

The Platform and all data, content, and services are provided “as is” and “as available”, without any warranty, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Platform will be uninterrupted, error-free, or secure, or that it will meet your requirements.

4. Limitation of Liability:

To the maximum extent permitted by law, we are not liable for any indirect, incidental, consequential, special, or punitive damages, including loss of profits, data, or investment, or trading losses, arising from your use of the Platform.

Our total liability will not exceed the fees you paid us in the 12 months before the claim, or US $100, whichever is greater. Full limitation-of-liability terms are in the Software Licence Agreement.

5. Third – Party Data and Links:

The Platform may contain data from third-party sources and links to third-party websites. We do not control or endorse them and are not responsible for them. Your use of third-party services is at your own risk and subject to their terms.

6. Regulatory Status:

We are not registered with or regulated by the U.S. Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), or any state securities regulator as an investment adviser, broker-dealer, or financial services provider. The Platform operates as a publisher of general, impersonal financial information within the meaning of the publisher’s exclusion under Section 202(a)(11)(D) of the U.S. Investment Advisers Act of 1940.

If you use the data in any regulated financial activity, you are responsible for obtaining and maintaining all necessary registrations and approvals.

7. Past Performance:

Past performance, historical returns, and trend analyses are not indicative or predictive of future results. Investments can go up or down, and you may lose some or all of your capital.

8. Algorithmic Outputs:

The Platform uses proprietary algorithms and automated processes to generate scores, rankings, and analytics. These are informational tools, not verified facts or recommendations. We may change our algorithms at any time, which may change previously displayed outputs.

9. Privacy:

We collect and process personal data as described in our Privacy and Cookie Policy at [add the website privacy and cookie policy URL]. By using the Platform, you acknowledge those practices.

10. Jurisdiction:

The Platform is operated from India and offered first in the United States and later in the European Union. We make no representation that it is appropriate for use elsewhere. You are responsible for compliance with the laws of your location. Some jurisdictions do not allow certain limitations of warranties or liability; in those places our liability is limited to the fullest extent permitted by law.

11. Dispute Resolution and Governing Law:

These disclaimers are governed by the laws of India and form part of your agreement with us. Any dispute relating to them is subject to the dispute-resolution and arbitration provisions in the Terms of Service, including the individual-arbitration requirement and the class-action and jury-trial waivers. Nothing here removes any mandatory protection you have under the law of your own state or country.

12. Changes:

We may update these disclaimers from time to time and will notify registered users of material changes by email at least thirty (30) days before they take effect. Continued use after that date is acceptance.