Afforvia

Terms of Service

The terms and conditions governing your use of the Afforvia platform.

Last updated: 1 January 2025

Acceptance of Terms

By accessing or using the Afforvia website at afforvia.com (the "Platform"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Platform.

These Terms apply to all visitors and users of the Platform. We reserve the right to modify these Terms at any time. Continued use of the Platform after any modification constitutes acceptance of the updated Terms.

Nature of the Platform

Afforvia is a non-commercial, educational, and informational platform. All content published on the Platform — including analyses, indices, tables, charts, and written commentary — is provided exclusively for informational and educational purposes.

Afforvia does not offer, sell, or promote any financial product, investment service, consultancy service, or any other paid service. Nothing on the Platform constitutes financial advice, investment advice, legal advice, or any other form of professional advice.

Permitted Use

You may access and use the Platform for personal, educational, journalistic, or non-commercial research purposes. Specifically, you are permitted to:

  • Read, download, and print content from the Platform for personal use;
  • Share links to Platform pages;
  • Cite Platform analyses in academic, journalistic, or non-commercial work, provided that you accurately attribute the content to Afforvia and identify the underlying primary sources listed on our Methodology page;
  • Use aggregated statistical data presented on the Platform in non-commercial research and educational materials.

Prohibited Use

You may not:

  • Use the Platform or its content for any commercial purpose without prior written permission from Afforvia;
  • Reproduce, redistribute, or publish substantial portions of Platform content in a manner that could reasonably be mistaken for original work;
  • Misrepresent Afforvia analyses as endorsements, recommendations, or professional advice;
  • Attempt to gain unauthorized access to any part of the Platform's infrastructure;
  • Use automated tools to systematically scrape or mirror the Platform in a way that imposes an unreasonable burden on our infrastructure;
  • Use the Platform to transmit spam, malware, or any harmful or unlawful content via the contact form.

Content & Intellectual Property

The analytical content, indices, written commentary, page design, and original graphical elements of the Platform are the intellectual property of Afforvia and are protected by applicable copyright law.

The underlying statistical data used in our analyses is sourced from third-party institutions (World Bank, IMF, OECD, etc.) and is subject to the licensing terms of those institutions. Users who wish to use the underlying data directly should consult the relevant primary source's terms of use.

Images used on the Platform are sourced from freely licensed stock photography providers (Unsplash, Pexels) under their respective free-use licenses.

The Afforvia name and any associated logos are trademarks of Afforvia. You may not use them without prior written permission.

Disclaimers

The Platform and all content on it are provided "as is" without warranty of any kind, express or implied, including but not limited to warranties of accuracy, completeness, merchantability, or fitness for a particular purpose.

Afforvia makes reasonable efforts to ensure the accuracy of analyses and data presented on the Platform. However, all indices and data are derived from secondary sources and are subject to the limitations described in our Methodology & Data Sources page. We do not guarantee that the information on the Platform is current, complete, or error-free.

Nothing on the Platform constitutes financial, investment, legal, or other professional advice. Users should not make financial or other significant decisions based solely on content from this Platform.

Limitation of Liability

To the fullest extent permitted by applicable law, Afforvia and its contributors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to your use of — or inability to use — the Platform or its content.

This includes, without limitation, losses arising from reliance on information published on the Platform, even if Afforvia has been advised of the possibility of such damages.

Access and Termination

Afforvia reserves the right to restrict or terminate access to the Platform — or any part of it — at any time and for any reason, including to enforce these Terms.

Afforvia also reserves the right to modify, suspend, or discontinue the Platform at any time without notice.

Governing Law

These Terms are governed by and construed in accordance with applicable law. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of competent jurisdiction.

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

Contact

Questions about these Terms of Service may be directed to:

Afforvia
Email: info@afforvia.com
Website: afforvia.com