1. Acceptance of Terms

Welcome to Desktop Max Smart Flow (desktopmaxsmartflow.com), a financial education platform designed to provide foundational knowledge about trading and financial markets. These Terms of Use constitute a legally binding agreement between you ("User," "you," or "your") and Desktop Max Smart Flow ("Company," "we," "us," or "our").

Your continued use of our platform following the posting of changes to these Terms will mean you accept those changes. We reserve the right to modify these terms at any time, and such modifications shall be effective immediately upon posting.

2. Platform Description and Educational Purpose

Desktop Max Smart Flow operates as an educational platform focused on providing fundamental knowledge about financial markets, trading concepts, and investment principles. Our platform offers educational resources, learning materials, and courses designed to help beginners understand basic financial concepts.

Educational Disclaimer: All content provided on our platform is for educational purposes only. We do not provide investment advice, financial planning services, or trading recommendations. The information presented is general in nature and should not be considered personalized financial advice.

3. User Eligibility and Account Requirements

Age and Legal Capacity

To use our platform, you must be at least 18 years of age and possess the legal authority to enter into these Terms of Use. If you are accessing our platform on behalf of an organization, you represent that you have the authority to bind that organization to these terms.

Account Registration

When creating an account, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized access to your account.

4. Permitted Use and User Conduct

You may access and use our platform solely for lawful, educational purposes related to learning about financial markets and trading concepts. Your use of the platform must comply with all applicable local, state, national, and international laws and regulations.

Prohibited Activities

You agree not to engage in any of the following prohibited activities:

1. Using our platform for any unlawful purpose or to solicit others to perform unlawful acts
2. Violating any international, federal, provincial, or state regulations, rules, laws, or local ordinances
3. Infringing upon or violating our intellectual property rights or the intellectual property rights of others
4. Harassing, abusing, insulting, harming, defaming, slandering, disparaging, intimidating, or discriminating
5. Submitting false or misleading information
6. Uploading or transmitting viruses or any other type of malicious code
7. Collecting or tracking the personal information of others
8. Spamming, phishing, pharming, pretext, spider, crawl, or scrape
9. Using the platform for any obscene or immoral purpose
10. Interfering with or circumventing the security features of our platform

5. Intellectual Property Rights

The platform and its original content, features, and functionality are and will remain the exclusive property of Desktop Max Smart Flow and its licensors. The platform is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

User-Generated Content

By submitting content to our platform, you grant us a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform the content in connection with the platform and our business operations.

6. Financial Education and Risk Disclosure

Our educational content is designed to provide general information about financial markets and trading concepts. This information should not be construed as personalized investment advice or recommendations. We strongly encourage all users to:

1. Conduct their own research and due diligence
2. Consult with qualified financial advisors
3. Only invest funds they can afford to lose
4. Understand the risks associated with trading and investing
5. Start with small amounts while learning

7. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information in connection with your access to and use of the platform is described in our Privacy Policy, which is incorporated into these Terms by reference.

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

8. Platform Availability and Modifications

We reserve the right to modify, suspend, or discontinue any aspect of the platform at any time, with or without notice. We may also impose limits on certain features or restrict access to parts or all of the platform without notice or liability.

Maintenance and Updates

The platform may be temporarily unavailable due to maintenance, updates, or technical issues. We will make reasonable efforts to provide advance notice of scheduled maintenance when possible.

9. Disclaimers and Limitation of Liability

The information on this platform is provided on an "as is" basis. To the fullest extent permitted by law, this Company:

1. Excludes all representations and warranties relating to this platform and its contents
2. Excludes all liability for damages arising out of or in connection with your use of this platform
3. Does not guarantee the accuracy, completeness, or timeliness of any information
4. Makes no warranties regarding the platform's availability, reliability, or functionality

10. Indemnification

You agree to defend, indemnify, and hold harmless Desktop Max Smart Flow and its licensors, licensees, distributors, agents, representatives, officers, directors, employees, contractors, and investors from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from your use of and access to the platform.

11. Termination

We may terminate or suspend your account and bar access to the platform immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever, including but not limited to breach of the Terms.

Effect of Termination

Upon termination, your right to use the platform will cease immediately. If you wish to terminate your account, you may simply discontinue using the platform. All provisions of the Terms which by their nature should survive termination shall survive termination.

12. Governing Law and Dispute Resolution

These Terms shall be interpreted and governed by the laws of Vietnam, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

Dispute Resolution Process

Any disputes arising from these Terms or your use of the platform should first be addressed through direct communication with our support team. We are committed to resolving disputes amicably and in good faith.

13. Severability and Waiver

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our platform and supersede and replace any prior agreements.

14. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our platform after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the platform.