Effective Date: 19 January, 2025

These Terms of Use govern your access to and use of the website of SBA Insights Inc. (“SBA,” “we,” “our,” or “us”). By accessing or using this website (“Site”), you agree to comply with and be bound by these Terms of Use. If you do not agree with these Terms, you must refrain from using the Site.

By using the Site, you represent that you are of legal age in your jurisdiction or are using the Site with the consent of a parent or legal guardian.

Acceptance of Terms

By accessing, browsing, or otherwise using the Site, you confirm that you have read, understood, and accepted these Terms of Use, as well as our Privacy Policy, which is incorporated by reference. You agree to comply with all applicable laws and regulations in connection with your use of the Site.

Modifications to the Terms of Use

SBA reserves the right to modify, update, or amend these Terms of Use at its sole discretion at any time without prior notice. All changes will become effective upon posting on the Site. Your continued use of the Site following the posting of any changes constitutes acceptance of those changes. It is your responsibility to review these Terms periodically.

Permitted Use

The Site and its contents are made available for your lawful, personal, and non-commercial use. You agree not to use the Site for any purpose that is unlawful, prohibited by these Terms, or that infringes the rights of SBA or any third party. Specifically, you agree that you will not:

Use the Site in a way that could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of it.

Attempt to gain unauthorized access to the Site, its server, or any accounts, systems, or networks connected to the Site.

Upload, post, transmit, or distribute any material that is harmful, disruptive, or otherwise violates applicable laws, including but not limited to viruses, malware, or harmful code.

Use automated tools such as robots, spiders, or scrapers to access the Site, its data, or its systems.

Misrepresent your identity, affiliation, or authority to act on behalf of any person or entity.

Engage in any activity that infringes or violates the intellectual property rights or privacy rights of SBA or any third party.

Use automated tools such as robots, spiders, or scrapers to access the Site, its data, or its systems, often referred to as “data turns,” for the purpose of extracting or attempting to dismantle the site’s data or structure.

SBA reserves the right to restrict, suspend, or terminate your access indefinitely to the Site if you violate any of these Terms or engage in any unauthorized or harmful activity.

Intellectual Property Rights

All content and materials on the Site, including but not limited to text, images, graphics, logos, videos, software, and design elements, are the exclusive property of SBA or its licensors and are protected by copyright, trademark, and other applicable laws. SBA retains all rights, title, and interest in the Site and its contents.

You are granted a limited, non-exclusive, revocable, and non-transferable license to use the Site solely for your personal, non-commercial use. Except as expressly permitted by these Terms or applicable law, you may not reproduce, distribute, modify, publicly display, create derivative works from, or exploit the content on the Site without SBA’s prior written consent.

Disclaimer of Warranties

The Site and all content, materials, and services provided on the Site are provided “as is” and “as available” without any warranties or representations of any kind, either express or implied. SBA disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy of information.

SBA does not guarantee that the Site will be uninterrupted, secure, or free from errors, viruses, or harmful components. You are solely responsible for implementing safeguards to protect your devices, systems, and data while using the Site.

Limitation of Liability

To the fullest extent permitted by law, SBA, its affiliates, officers, employees, agents, and licensors shall not be liable for any direct, indirect, incidental, consequential, punitive, or special damages arising out of or related to your use of the Site, even if SBA has been advised of the possibility of such damages.

This includes, without limitation, damages resulting from loss of data, business interruption, unauthorized access, or any other cause of action, whether based in contract, tort, or otherwise.

User Submissions

If you submit any content, comments, feedback, or suggestions to SBA through the Site, you grant SBA a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, and sublicensable license to use, reproduce, modify, adapt, publish, translate, and distribute your submissions in any media or format.

You represent and warrant that your submissions do not violate the rights of any third party, including intellectual property, privacy, or publicity rights, and do not contain defamatory, obscene, or unlawful material.

Third-Party Links

The Site may contain links to third-party websites or resources. These links are provided for convenience only and do not constitute an endorsement by SBA. SBA is not responsible for the content, services, or practices of third-party websites and disclaims all liability for your use of them.

Indemnification

You agree to indemnify, defend, and hold harmless SBA, its affiliates, officers, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to your use of the Site, violation of these Terms, or infringement of any rights of a third party.

Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of Canada and India, as applicable.

Any disputes arising out of or related to these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts in Ontario, Canada, unless otherwise agreed in writing by the parties.

Termination of Access

SBA reserves the right to suspend, restrict, or terminate your access to the Site at its sole discretion and without prior notice for any violation of these Terms or for any other reason deemed appropriate by SBA.

Upon termination, all rights granted to you under these Terms will cease, and you must immediately discontinue all use of the Site.

Entire Agreement

These Terms of Use, along with our Privacy Policy, constitute the entire agreement between you and SBA regarding your use of the Site and supersede all prior agreements, understandings, and representations.

Severability

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

Contact Information

For any questions, concerns, or feedback related to these Terms, please contact SBA at:

SBA Insights Inc.

Email: varshav@sbainsights.com

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