1. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use the Service. By using our Service, you represent and warrant that you meet these requirements.

2. Account Registration

To access the Service, you may be required to register and create an account. You agree to provide accurate, current, and complete information and to update it as necessary. You are responsible for safeguarding your account login credentials and for any activities or actions under your account.

3. Subscription Plans and Billing

By choosing a paid subscription, you agree to pay the fees associated with your plan as outlined on our website.

• Billing: Subscription fees will be billed on a [monthly/yearly] basis depending on plan selected, and are non-refundable except as required by law.

• Auto-Renewal: Your subscription will automatically renew unless canceled before the end of the current billing cycle.

• Payment Method: You must provide a valid payment method. We may suspend or terminate your access if billing fails.

4. Free Trials

We may offer free trial periods for certain plans. If you do not cancel before the trial ends, you will be charged according to your selected plan.

5. Cancellation and Termination

You may cancel your subscription at any time through your account settings. Your access will continue through the end of the current billing cycle. We reserve the right to suspend or terminate your account at our discretion, particularly if you violate these Terms.

6. Intellectual Property

All content, features, and functionality on the Service, including but not limited to text, graphics, logos, and software, are owned by or licensed to us and are protected by intellectual property laws. You may not use, reproduce, or distribute our content without our prior written consent.

7. User Conduct

You agree not to:

• Use the Service for any unlawful purpose;

• Attempt to gain unauthorized access to any part of the Service;

• Interfere with the operation of the Service;

• Upload or distribute malicious code.

8. Disclaimer of Warranties

The Service is provided “as is” and “as available” without warranties of any kind. We do not guarantee that the Service will be uninterrupted, error-free, or secure.

9. Limitation of Liability

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of the Service.

10. Changes to Terms

We reserve the right to update these Terms at any time. We will notify you of material changes, and your continued use of the Service after changes become effective constitutes your acceptance of the revised Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your State/Country], without regard to its conflict of law principles.

12. Contact Information

If you have any questions about these Terms, please contact us at info@nyknycadvisors.com

By using our Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.