These terms and conditions govern access to and use of Joravinture and its AI basis spread forecasting research tools. They describe what the service provides, how it may be used, and where responsibilities and limits sit on both sides. Using this site means these terms are accepted, so they should be read carefully before relying on any content or tools provided here.

August 8, 2026

Acceptance of terms

Access to this site and use of any AI basis spread forecasting tools is conditional on acceptance of these terms and conditions. Continuing to browse, create an account, or interact with research outputs signifies agreement to the rules set out here, along with the privacy, cookie, and disclaimer notices referenced on this site. Users who do not agree should stop using the service immediately and avoid relying on any information presented.

Key definitions

These terms use specific words with defined meanings to keep obligations and responsibilities clear. The following definitions apply throughout this document unless the context requires a different interpretation. Defined terms help avoid confusion and ensure a consistent understanding of how the service operates and who is involved.

• Service means the Joravinture site and any associated tools, content, or features that provide AI-assisted basis spread forecasts, diagnostics, analytics, or related information for professional research and risk teams. This includes dashboards, files, visualisations, and documentation made available through the platform or associated channels.
• User means any individual or organisation that accesses, browses, or interacts with the service, whether as a registered account holder, invited collaborator, or visitor. Where a user acts on behalf of an organisation, that organisation is responsible for ensuring that the user has appropriate authority and complies with internal policies.
• Content means all information available through the service, including text, graphics, data, forecasts, diagnostics, reports, documentation, and other materials. Content may be generated by humans, derived from external data sources, or produced using AI models maintained by Joravinture.
• Account means any access profile created to use restricted parts of the service, including login credentials, roles, permissions, and associated settings. Account information may include contact details, organisation identifiers, and usage preferences needed to operate the service securely.

Use of the service

The service provides AI-assisted basis spread forecasts, diagnostics, and related analytics for professional users. Content is intended to support internal research and risk work, not to replace independent judgment or established governance frameworks. Users may access and use the service only for lawful purposes and within the scope described in these terms and any separate written agreements.

Eligibility

The service is intended for professional and institutional users involved in financial market research, risk functions, or related operational roles. By using this site, users confirm that they are acting in a professional capacity and that they have any approvals required under their organisation’s internal policies. The service is not aimed at retail users seeking personal financial guidance or general-purpose consumer tools.

Use of the service may be restricted or prohibited in some jurisdictions. Users are responsible for determining whether access to AI basis spread research tools is lawful in their location and for complying with any local rules that apply. Joravinture may refuse, suspend, or terminate access where eligibility requirements are not met or where use appears inconsistent with these terms.

User responsibilities

Using AI-based tools for basis spread research requires careful judgment and clear internal processes. These terms set out responsibilities that sit with users and their organisations to ensure that the service is used appropriately, safely, and in line with its intended scope.

• Maintain accurate and up-to-date account information, including contact details and organisational affiliation, so that communications, notices, and access controls function correctly. Users should notify Joravinture promptly of any material changes relevant to account management or eligibility.
• Keep login credentials, access tokens, and related security information confidential, and avoid sharing them with unauthorised individuals. Users are responsible for activity conducted through their accounts and should take reasonable steps to prevent misuse, including use of strong passwords and secure devices.
• Use AI basis spread forecasts and related analytics in line with internal policies, regulatory obligations, and the limitations set out in these terms and the disclaimer. This includes recognising that results may vary and that past performance does not guarantee future results in any market environment.
• Review updates to terms, policies, and service documentation as they are published, and adjust internal use of the service accordingly. Users should seek independent professional advice where needed to understand how changes may affect their obligations or integration choices.

Prohibited uses

To keep the service secure, reliable, and aligned with its intended purpose, certain uses are not allowed. The following examples illustrate behaviour that violates these terms and may lead to suspension or termination of access, along with other remedies available under law.

• Use the service to engage in unlawful activities, including any behaviour that breaches applicable financial, data protection, or consumer rules. This includes attempting to use AI basis spread forecasts as a substitute for required regulatory processes or to support conduct that would violate internal or external compliance obligations.
• Attempt to gain unauthorised access to systems, data, or accounts, including by probing for vulnerabilities, circumventing security controls, or using another person’s credentials without permission. Security features, including authentication and monitoring tools, must not be tampered with, disabled, or bypassed.
• Copy, scrape, or harvest large portions of content or data from the service in an automated or systematic way, except where explicitly allowed in a separate written agreement. Automated tools that place excessive load on infrastructure or interfere with normal operation are not permitted.
• Use the service to create or distribute misleading, deceptive, or harmful materials, including content that misrepresents the nature of AI basis spread forecasts or presents them as personal advice, instructions to trade, or assured outcomes. All outputs must be framed as informational research tools only.
• Interfere with or disrupt the normal functioning of the service, including by introducing malicious code, overloading systems, or attempting to manipulate data sources. Activities that degrade performance for other users or threaten the integrity of infrastructure are strictly forbidden.

Intellectual property

All rights in and to the service and its content, including software, models, designs, text, graphics, and data compilations, belong to Joravinture or its licensors. Subject to compliance with these terms, users receive a limited, non-exclusive, revocable licence to access and use the service for internal professional purposes only. Users may not copy, modify, reverse engineer, sell, or redistribute any part of the service except where explicitly allowed in writing.

User-provided content

Users may provide content to the service, such as configuration details, feedback, or example data used for testing. By submitting such material, users confirm that they have the right to share it and that it does not infringe the rights of others or violate applicable law. Sensitive or confidential information should only be provided where necessary and in line with appropriate agreements.

Privacy and data

Personal data collected through this site, including contact details, account information, and technical logs, is handled in line with the dedicated privacy policy. That document explains what data is collected, how it is used, and which rights individuals have regarding access, correction, and deletion. Use of the service indicates acknowledgement of those practices. Read privacy policy

Disclaimers

Content and tools on this site are provided for informational purposes only and do not constitute personal advice, trading guidance, or recommendations. Use of AI basis spread forecasts and related analytics carries uncertainty, and results may vary across time, markets, and implementations. Additional important notices are provided in the separate disclaimer page, which should be read together with these terms.

Limitation of liability

Use of this site and its AI basis spread research tools is at the user’s own risk. To the fullest extent permitted by law, Joravinture disclaims liability for direct, indirect, incidental, consequential, or special damages arising from or related to use of the service, including any reliance on forecasts, diagnostics, or other content. Any liability that cannot be excluded by law will be limited to the extent allowed under applicable Canadian legislation.

Indemnification

Users agree to indemnify and hold harmless Joravinture, its team members, and partners from and against claims, losses, liabilities, damages, costs, and expenses arising from misuse of the service, breach of these terms, or reliance on content in ways that conflict with the limitations set out here and in the disclaimer. This obligation applies to actions taken by users, their affiliates, and anyone who accesses the service using their accounts or systems, to the extent permitted by law.

Dispute resolution

Disagreements sometimes arise, even when expectations are clear. This section outlines how Joravinture approaches dispute resolution, including opportunities to address issues informally before moving toward formal processes such as arbitration or court proceedings, subject to applicable law and any specific agreements in place.

Governing law

These terms, any related policies, and all use of this site are governed by the laws of Canada, without giving effect to conflict-of-law principles. This legal framework applies to interpretation, enforcement, and any disputes arising from or connected with the service. Users remain responsible for ensuring that use of the site complies with any additional local rules that apply to their activities or organisation.

Termination

Joravinture may suspend or terminate access to the service, in whole or in part, at any time where there is suspected misuse, breach of these terms, security risk, or legal requirement to do so. Users may also choose to stop using the service at any time. Termination does not affect rights or obligations that have already arisen, including any limitations of liability, disclaimers, or indemnity commitments that are intended to survive.

Changes to terms

Joravinture may update these terms from time to time to reflect changes in services, technology, or legal requirements. When material updates are made, the effective date at the top of this page is revised. Continued use of the service after changes take effect indicates acceptance of the updated terms, so users are encouraged to review this page periodically.

Severability

If any part of these terms is found to be invalid, unlawful, or unenforceable under applicable law, that portion will be applied to the maximum extent permitted or treated as removed where necessary. The remaining provisions will continue in full force and effect, preserving the overall structure and intent of the agreement between Joravinture and users.

Entire agreement

These terms, together with the privacy policy, cookie policy, disclaimer, and any specific agreements or notices referenced here, form the entire agreement between Joravinture and users regarding use of the service. They replace any prior discussions or understandings about the same subject matter. If additional written agreements exist, such as service orders or integration documents, those apply alongside these terms where consistent.

Contact information

Questions about these terms, including how they apply to specific use cases, integration plans, or data handling, can be raised using the contact details provided on this site. Written communication is preferred so that requests and responses can be documented clearly. Responses aim to clarify scope and responsibilities but do not provide personal financial advice or legal guidance.