Legal

Terms and Conditions

These Terms explain how purepofo may be used, how subscriptions and access work, and which limits and responsibilities apply when you use the platform.

Last updated: March 29, 2026

Service

purepofo

Provider

Dr. Hazem Hamoudia Management Consulting, Munich, Germany

Nature of Service

Educational and informational tools for investment-related research

1. Scope and Acceptance

1.1 Agreement

These Terms and Conditions govern your access to and use of purepofo. By accessing or using the service, you agree to be bound by these Terms.

1.2 Provider

purepofo is provided and operated by Dr. Hazem Hamoudia Management Consulting, Munich, Germany. References to “we”, “our”, and “us” refer to that provider.

1.3 Informational nature

purepofo provides educational and informational tools to support investment-related research and decision-making. It does not provide investment, legal, tax, or other professional advice. All investment decisions remain your sole responsibility.

2. Eligibility and Accounts

2.1 Minimum age

You must be at least 18 years old to use the service.

2.2 Account information

Where registration is required, you must provide accurate and complete information and keep it reasonably up to date.

2.3 Account security

You are responsible for maintaining the confidentiality of your credentials and for activity that occurs under your account. Please notify us promptly if you suspect unauthorized use.

2.4 Suspension or termination

We may suspend or terminate access where we reasonably suspect misuse, fraud, security risks, or a material breach of these Terms.

3. Subscriptions and Payments

3.1 Plans

Available subscription plans, included features, and current prices are described on the website and may be updated from time to time.

3.2 Billing and renewal

Subscription fees are billed in advance on a monthly or annual basis, depending on the plan you select. Paid subscriptions renew automatically unless you cancel before the next renewal date.

3.3 Payment processing

Payments are handled by third-party payment processors, such as Stripe. We do not control their separate services and are not responsible for errors caused by those processors.

3.4 Refunds

Unless mandatory law requires otherwise, subscription fees are non-refundable. If you cancel, access continues until the end of the current billing period.

4. Acceptable Use

4.1 Permitted use

We grant you a limited, non-exclusive, non-transferable right to use the service for your personal or internal research purposes in accordance with these Terms.

4.2 Restrictions

You may not misuse the service, access it unlawfully, scrape or systematically extract data, reverse engineer protected parts of the platform, resell content, or use the service in a way that infringes intellectual property rights or applicable law.

5. Data and Privacy

5.1 Privacy policy

Our processing of personal data is described in the Privacy Policy, which should be read together with these Terms.

5.2 Service data

We may store and process data you provide to operate the service, maintain security, and improve platform functionality. We may also use aggregated or anonymized data for analytics and service improvement.

6. Intellectual Property

6.1 Ownership

The platform, software, databases, brand elements, methodologies, scoring systems, and related content remain the intellectual property of Dr. Hazem Hamoudia Management Consulting or its licensors.

6.2 Third-party components

The service may include third-party software, APIs, data, or other licensed components. Those rights remain with their respective owners.

7. Service Scope and Disclaimers

7.1 No warranty

The service is provided on an “as is” and “as available” basis, without warranties of any kind to the extent permitted by law.

7.2 Data quality

purepofo may rely on third-party data and external integrations. We do not guarantee that all data, analysis, or outputs will be complete, uninterrupted, or error-free.

7.3 Halal assessment

Our Halal screening methodology is designed as a structured support tool. Shariah interpretations may differ across scholars, boards, and jurisdictions, so we cannot guarantee universal agreement with any compliance outcome.

7.4 Broker connections

If broker connectivity is made available, it is provided only to help you use the features you expressly request. We do not act as a broker, custodian, or financial intermediary, and any transaction is executed solely by your broker.

8. Limitation of Liability

8.1 Indirect loss

To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenues, opportunities, or goodwill.

8.2 Liability cap

To the fullest extent permitted by law, our aggregate liability for claims arising out of or relating to the service is limited to the amount you paid us for the service during the 12 months preceding the event giving rise to the claim.

8.3 Mandatory law

Nothing in these Terms excludes or limits liability where such exclusion or limitation is not permitted under applicable law.

9. Governing Law and Complaints

9.1 Governing law

These Terms are governed by the laws of Germany, excluding conflict-of-laws rules, subject to any mandatory consumer-protection rules that apply in your country of residence.

9.2 Contact for concerns

If you have questions or concerns about the service, please contact support@purepofo.com.

9.3 Consumer dispute resolution

Unless mandatory law requires otherwise, we do not participate in dispute resolution proceedings before a consumer arbitration board.

10. Changes to These Terms

10.1 Updates

We may update these Terms from time to time. Material changes will be published on this page, and continued use of the service after updated Terms become effective constitutes acceptance of the revised version.
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