Terms and Conditions

1. General Provisions

1.1 Acceptance of Terms

This website (rudikartadiredja.com) is owned and operated by Rudi Kartadiredja ("we", "us", or "our"). These Terms and Conditions govern your access to and use of our website and services.

By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, our Privacy Policy, Cookie Policy, and all applicable laws and regulations. If you do not agree with these terms, you must immediately cease using this website.

1.2 Modifications

We reserve the right to modify these Terms at any time without prior notice. Changes will be effective immediately upon posting on the website. Your continued use of the website after changes are posted constitutes your acceptance of the modified Terms.

1.3 Eligibility

You must be at least 18 years old or the age of majority in your jurisdiction to use this website. By using this website, you represent and warrant that you meet these requirements.

2. Intellectual Property Rights

2.1 Ownership

All content on this website, including text, graphics, logos, images, videos, software, and other materials ("Content") is the property of Rudi Kartadiredja or its licensors and is protected by copyright, trademark, and other intellectual property laws.

2.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the website for personal, non-commercial purposes, subject to these Terms. This license does not include:

• Any resale or commercial use of the website or Content
• Collection and use of any product listings or descriptions
• Derivative use of the website or Content
• Downloading or copying of account information for the benefit of another party
• Use of data mining, robots, or similar data gathering and extraction tools

2.3 Restrictions

You may not:

• Modify, copy, reproduce, republish, upload, post, transmit, or distribute Content without prior written consent
• Use Content for any commercial purpose without express written permission
• Remove any copyright, trademark, or other proprietary notices from Content
• Mirror or frame any part of the website without our prior written authorization
• Use any meta tags or other "hidden text" utilizing our name or trademarks

3. User Conduct and Responsibilities

3.1 Prohibited Activities

You agree not to:

• Use the website for any unlawful purpose or in violation of these Terms
• Post or transmit any material that is abusive, harassing, defamatory, obscene, or otherwise objectionable
• Impersonate any person or entity or falsely state your affiliation with any person or entity
• Interfere with or disrupt the website or servers or networks connected to the website
• Attempt to gain unauthorized access to any portion of the website or any systems or networks connected to the website
• Use any device, software, or routine to interfere with the proper working of the website

3.2 User-Generated Content

If you post comments or other content on the website:

• You retain ownership rights in your content but grant us a worldwide, perpetual, irrevocable, royalty-free license to use, reproduce, modify, adapt, publish, translate, distribute, and display such content
• You represent that you have all necessary rights to post the content and that it does not violate any laws or rights of third parties
• We reserve the right to remove any content without notice that we determine violates these Terms or is otherwise objectionable

4. Disclaimer of Warranties

We do not warrant that:

• The website will be uninterrupted or error-free
• Defects will be corrected
• The website or servers that make it available are free of viruses or other harmful components
• The content is accurate, complete, reliable, current, or error-free

5. Tools and Features

5.1 General Provisions

The website may provide various tools and features including but not limited to portfolio visualizers, news filters, analysis generators, and other utilities ("Tools"). These Tools may be offered as free services or as beta versions.

5.2 Disclaimer for Tools

Specific limitations include:

• Tools may be experimental, in beta testing phase, or limited in functionality
• Data used by Tools may be cached, aggregated from third-party sources, or incomplete
• Results generated by Tools should not be considered as professional advice
• We reserve the right to modify, limit, or discontinue any Tools at any time without notice

5.3 Usage at Your Own Risk

Your use of any Tools is entirely at your own risk. We shall not be liable for any decisions made or actions taken based on information or outputs generated by these Tools.

6. Financial and Investment Disclaimers

6.1 No Investment Advice

The website may contain information about financial markets, investments, and economic trends. This information is provided for general informational purposes only and does not constitute:

• Investment advice
• An offer or solicitation to buy or sell any securities
• A recommendation or endorsement of any particular investment strategy

6.2 Risk Disclosure

Investing involves substantial risk including possible loss of principal. Past performance is not indicative of future results. You should:

• Consider your investment objectives and risk tolerance before making investment decisions
• Consult with a qualified financial advisor before making any investment decisions
• Conduct your own research and due diligence

6.3 Market Information

Any market data, quotes, news, or other financial information provided on the website:

• May be delayed and not reflect real-time market conditions
• Is obtained from sources believed to be reliable but we cannot guarantee its accuracy
• Should not be relied upon for making trading or investment decisions

7. Consulting Services

7.1 Nature of Services

Any consulting services offered through this website:

• Are focused on business strategy and technology consulting
• Do not constitute legal, financial, or investment advice
• Are provided for informational purposes only

7.2 No Guarantees

We make no guarantees or warranties regarding:

• The outcome or results of implementing any consulting advice
• The accuracy or completeness of any analysis provided
• The suitability of any recommendations for your specific situation

8. Third-Party Links and Content

The website may contain links to third-party websites or services that are not owned or controlled by us. We:

• Have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites
• Do not endorse and are not responsible for any content, advertising, products, or other materials on such sites
• Are not liable for any damage or loss caused by use of or reliance on any third-party content

9. Donations

If the website accepts donations:

• Donations are voluntary and non-refundable
• Donors do not receive any ownership interest or special privileges
• All donation transactions are processed by third-party payment processors under their terms
• We are not responsible for any issues arising from the payment process

10. User Contributions and Comment Policy

10.1 General Guidelines

We welcome and encourage user participation through comments and other contributions, provided they adhere to the following guidelines:

• Contributions should be respectful, relevant, and constructive
• Discussions should remain professional and on-topic
• Users must not impersonate others or misrepresent their identity

10.2 Prohibited Content

The following types of content are strictly prohibited and will be removed without notice:

• Spam, advertising, or promotional content
• Hate speech, discriminatory remarks, or offensive language
• Misinformation, false claims, or deliberately misleading content
• Personal attacks, harassment, or threats
• Illegal content or content that violates third-party rights

10.3 Moderation Rights

We reserve the right to:

• Moderate, edit, or remove any user contributions at our sole discretion
• Block users who violate these guidelines
• Disable commenting functionality on any or all parts of the website

10.4 Disclaimer of Responsibility

User comments and contributions reflect the views of their respective authors and not necessarily those of Rudi Kartadiredja or rudikartadiredja.com. We are not responsible for the content or accuracy of user contributions.

11. Limitation of Liability

11.1 Specific Exclusions

We are not responsible for:

• Any decisions, actions, or inactions taken based on content or tools provided on this website
• Financial losses, lost profits, or business interruption resulting from website use
• Technical issues including but not limited to service interruptions, data loss, or system failures
• Accuracy, completeness, or timeliness of information provided
• Unauthorized access to or alteration of your transmissions or data
• Content or conduct of any third party on the website

11.2 No Guarantee of Continuous Operation

We do not guarantee that:

• The website will be available uninterrupted or error-free
• Defects will be corrected
• The website or servers that make it available are free of viruses or other harmful components

11.3 Maximum Liability

If, despite these limitations, we are found liable for any damages, our total cumulative liability shall not exceed the amount you paid to access the website, if any, or USD $100, whichever is greater.

12. Indemnification

You agree to indemnify, defend, and hold harmless Rudi Kartadiredja and its affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with:

• Your access to or use of the website
• Your violation of these Terms
• Your infringement of any intellectual property or other rights of any person or entity
• Any content you submit or transmit through the website

13. Termination

We may terminate or suspend your access to the website immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination:

• Your right to use the website will immediately cease
• All provisions of these Terms that should survive termination will survive

14. Governing Law and Dispute Resolution

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of Indonesia, without regard to its conflict of law provisions.

14.2 Dispute Resolution

Any disputes arising from these Terms shall be resolved through good faith negotiations between the parties. If such negotiations fail, the dispute shall be submitted to the competent courts in Jakarta, Indonesia.

15. Miscellaneous

15.1 Entire Agreement

These Terms constitute the entire agreement between you and us regarding the website and supersede all prior agreements and understandings.

15.2 Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

15.3 Severability

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

15.4 Force Majeure

We shall not be liable for any failure or delay in performance due to events beyond our reasonable control, including natural disasters, acts of government, or technical failures.

15.5 Contact Information

If you have any questions about these Terms, please contact us through the contact page on the website.