Terms of Service

Last updated: May 2026

Please read these Terms of Service ("Terms", "Terms of Service") carefully before using the borisovichlab.com website and our professional software tools, including the Commercial Deposit Planner Pro and Advisor Terminal Pro (the "Service") operated by BorisovichLab ("us", "we", or "our").

By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the terms, you may not access the Service. This Service is designed for both professional use by financial advisors and businesses (B2B), as well as personal use by individuals for their own financial planning (B2C).

1. License and Acceptable Use
Upon purchasing a product, BorisovichLab grants you a limited, non-exclusive, non-transferable, and revocable license to use the Service strictly for your professional advisory practice or your personal financial planning.
Under this license, you shall not:

• Modify, reverse engineer, decompile, or disassemble the Service or any of its algorithms.
• Resell, rent, lease, sub-license, or illegally distribute the software to third parties.
• Use the Service for any illegal or unauthorized purpose.

2. Strictly No Financial Advice (Financial Disclaimer)
BorisovichLab is a software provider, not a registered investment advisor, broker-dealer, or financial institution.
The Service provides mathematical models, calculators, and projection tools for informational, analytical, and presentational purposes only.

• We do not provide financial, investment, legal, or tax advice.
• The user (whether a financial professional advising clients or an individual managing personal funds) assumes 100% full responsibility for the accuracy of data inputted into the software and any resulting financial decisions or strategies.
• BorisovichLab is not responsible or liable for any financial losses, damages, or market fluctuations experienced by you or your clients resulting from the use of our Service. Past performance or projected software scenarios do not guarantee future market results.

3. Intellectual Property
The Service and its original content, features, functionality, algorithms, mathematical formulas, and UI/UX design are and will remain the exclusive property of BorisovichLab and its licensors. The Service is protected by copyright, trademark, and other applicable intellectual property laws.

4. Limitation of Liability
In no event shall BorisovichLab, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any errors, bugs, or inaccuracies in the calculations or projections provided by the software; (iii) unauthorized access, use, or alteration of your transmissions or content.

5. Purchases and Payments
All payments and transactions for our Service are processed securely through a third-party payment platform, Lava.top.
When you click to purchase a product, you will be redirected to Lava.top to complete the transaction. We do not directly process, collect, or store your credit card details or payment information on our servers. By making a purchase, you also agree to the Terms of Service and Privacy Policy of Lava.top. If you require a refund or have a billing dispute, it will be handled in accordance with the policies of the payment provider.

6. Termination
We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Service will immediately cease.

7. Governing Law
These Terms shall be governed and construed in accordance with the applicable laws, 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.

8. Contact Us
If you have any questions about these Terms, please contact our legal and support team at: [ВАШ КОРПОРАТИВНЫЙ EMAIL].