Terms of Service

These Terms of Service ("Terms," "Agreement") constitute a legally binding agreement between you ("User," "Client," "you," or "your") and Silva Node Ab, a company incorporated and operating under the laws of Finland ("Company," "we," "us," or "our"), with its principal place of business in Finland.

By accessing, using, or engaging with any of our websites, applications, platforms, services, or products (collectively, the "Services"), you acknowledge that you have read, understood, and agree to be legally bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must immediately discontinue use of our Services.

These Terms apply to all services provided by Silva Node Ab, including but not limited to web development services, digital solutions, software applications, online platforms, and any affiliated online businesses operated by the Company, unless superseded by specific terms of service for individual applications or services.

Silva Node Ab provides web development services, digital solutions, software development, AI-powered applications, trading automation systems, custom web applications, and operates multiple online businesses and platforms. The specific scope of services will be defined in individual project agreements, proposals, or service descriptions.

We reserve the right to modify, suspend, or discontinue any aspect of our Services at any time without prior notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Services.

3.1 Fees and Payment

We strive to be transparent about our pricing and payment expectations. All fees for Services are due and payable as specified in the applicable invoice, proposal, or service agreement.

• Payment may be made through approved methods including Stripe, bank transfer, or other methods as agreed upon.
• You are responsible for all applicable taxes, duties, and charges related to your use of the Services.
• We appreciate timely payments. Late payments may incur interest at a rate permitted by Finnish law.

3.2 Final Sale Policy

Due to the nature of our services—which often involve significant time, resources, and custom work from the outset—all payments made to Silva Node Ab are considered final. This applies to:

• Service fees, deposits, and project payments
• Subscription and recurring charges
• Digital products and downloadable content
• Payments made through any payment method including Stripe and bank transfers

We encourage you to reach out to us with any questions or concerns before making a payment. Once a transaction is completed, it is considered final and non-refundable.

3.3 Payment Disputes

We believe in open communication. If you have any concerns about a payment or our services, please contact us directly so we can work together to address the issue. Initiating chargebacks or payment disputes for services legitimately rendered may result in suspension of services and may be subject to recovery of associated costs.

By using our Services, you agree to:

• Provide accurate, current, and complete information as required
• Maintain the confidentiality of any account credentials
• Use the Services only for lawful purposes and in accordance with these Terms
• Not engage in any activity that interferes with or disrupts the Services
• Not attempt to gain unauthorized access to any systems or networks
• Not use the Services to transmit harmful, offensive, or illegal content
• Comply with all applicable laws, regulations, and third-party rights
• Provide timely feedback, materials, and approvals as required for project completion

5.1 Company Intellectual Property

All content, materials, software, code, designs, trademarks, logos, and other intellectual property displayed on or through our Services are the exclusive property of Silva Node Ab or its licensors. Nothing in these Terms grants you any right to use our intellectual property without express written permission.

5.2 Client Deliverables

For custom development projects, intellectual property rights to deliverables shall be governed by the specific project agreement. Unless otherwise agreed in writing, the Company retains all rights to proprietary tools, frameworks, libraries, and methodologies used in the creation of deliverables.

5.3 License Restrictions

You may not:

• Copy, modify, distribute, or create derivative works of our intellectual property
• Reverse engineer, decompile, or disassemble any software or technology
• Remove or alter any proprietary notices or labels
• Use our intellectual property for commercial purposes without authorization

While we strive to deliver high-quality services, our Services are provided "as is" and "as available." To the extent permitted by applicable law, we disclaim warranties including:

• Implied warranties of merchantability and fitness for a particular purpose
• Warranties that the Services will be uninterrupted or error-free
• Warranties regarding specific results from use of the Services

We do our best to provide accurate information and reliable services, but we cannot guarantee perfection in all circumstances.

To the extent permitted by applicable law:

• Silva Node Ab shall not be liable for indirect, incidental, or consequential damages, including loss of profits, data, or goodwill.
• Our total liability for any claims related to our Services shall not exceed the amount you paid to us in the twelve (12) months preceding the claim.

Some jurisdictions do not allow certain limitations of liability. In such cases, our liability will be limited to the maximum extent permitted by law.

You agree to indemnify and hold harmless Silva Node Ab, its directors, officers, employees, and affiliates from claims, liabilities, damages, and expenses arising from:

• Your use of the Services
• Your violation of these Terms
• Your violation of any applicable law or third-party rights
• Any content or materials you submit through the Services

9.1 Termination

Either party may terminate the service relationship. Silva Node Ab reserves the right to suspend or terminate access to Services in cases of breach of these Terms, non-payment, or conduct that may be harmful to the Company or other users.

9.2 Effect of Termination

Upon termination:

• Your right to use the Services will cease
• Payments made prior to termination remain subject to the final sale policy outlined in Section 3
• We will handle your data in accordance with our Privacy Policy
• Relevant provisions of these Terms shall survive termination, including payment obligations, intellectual property rights, and limitations of liability

10.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of Finland, without regard to its conflict of law provisions. You agree that any legal action or proceeding arising from or related to these Terms shall be brought exclusively in the courts of Finland.

10.2 Dispute Resolution

Before initiating any formal legal proceedings, the parties agree to attempt in good faith to resolve any dispute through direct negotiation. If a dispute cannot be resolved within thirty (30) days, either party may pursue legal remedies as provided herein.

10.3 Waiver of Class Actions

To the extent permitted by law, you waive any right to participate in a class action lawsuit or class-wide arbitration against Silva Node Ab. All claims must be brought in your individual capacity.

Silva Node Ab shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, civil unrest, government actions, labor disputes, power failures, internet or telecommunications failures, cyberattacks, pandemics, or any other force majeure event.

Silva Node Ab reserves the right to modify, amend, or update these Terms at any time at our sole discretion. Changes will be effective immediately upon posting of the revised Terms on our website. Your continued use of the Services after any changes constitutes your acceptance of the new Terms.

It is your responsibility to review these Terms periodically. We will update the "Last Updated" date at the top of this page when changes are made.

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

These Terms, together with our Privacy Policy and any specific service agreements, constitute the entire agreement between you and Silva Node Ab regarding the use of our Services. These Terms supersede all prior agreements, understandings, negotiations, and discussions, whether oral or written.

The failure of Silva Node Ab to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of Silva Node Ab.

You may not assign or transfer these Terms or your rights or obligations hereunder without the prior written consent of Silva Node Ab. Silva Node Ab may assign these Terms without restriction. Any attempted assignment in violation of this section shall be null and void.

17.1 Third-Party Links and Integrations

Our Services may contain links to or integrate with third-party websites, services, or applications. Silva Node Ab is not responsible for the content, privacy policies, or practices of any third-party services. Your use of third-party services is at your own risk and subject to their respective terms and conditions.

17.2 Third-Party Infrastructure Providers

Our Services rely on third-party infrastructure providers, including but not limited to cloud hosting services, content delivery networks, database providers, payment processors, and telecommunications infrastructure. Silva Node Ab is not liable for any service interruptions, outages, data loss, or other issues arising from:

• Outages or failures of third-party cloud hosting or infrastructure services
• Network connectivity issues, including internet service disruptions or infrastructure failures
• Third-party payment processor downtime or transaction failures
• Database or storage service interruptions from third-party providers
• Content delivery network failures or performance degradation
• Any other circumstances beyond our reasonable control involving third-party services

While we carefully select our infrastructure partners and strive to maintain high service availability, we cannot guarantee uninterrupted access to our Services when third-party systems experience issues. We will make reasonable efforts to restore service as quickly as possible in such circumstances.

By using our Services, you consent to receive electronic communications from Silva Node Ab, including emails, notices, and other communications. You agree that all agreements, notices, disclosures, and other communications provided electronically satisfy any legal requirement that such communications be in writing.

If you have any questions, concerns, or inquiries regarding these Terms of Service, please contact us at: