{"id":3212,"date":"2026-07-14T12:55:15","date_gmt":"2026-07-14T12:55:15","guid":{"rendered":"https:\/\/bayanmarkets.com\/terms-and-conditions\/"},"modified":"2026-10-04T14:33:22","modified_gmt":"2026-10-04T14:33:22","slug":"terms-and-conditions","status":"publish","type":"page","link":"https:\/\/bayanmarkets.com\/en\/terms-and-conditions\/","title":{"rendered":"Terms and Conditions"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3212\" class=\"elementor elementor-3212 elementor-249\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8d2bdde e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"8d2bdde\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ff6b67 elementor-widget elementor-widget-html\" data-id=\"1ff6b67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<section class=\"bayan-terms-premium\" dir=\"ltr\">\r\n\r\n<style>\r\n\r\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Alexandria:wght@400;500;600;700;800&display=swap');\r\n\r\n.bayan-terms-premium{\r\n    font-family:'Alexandria',sans-serif;\r\n    background:#fff;\r\n    color:#10243E;\r\n    overflow:hidden;\r\n    text-align:left;\r\n}\r\n\r\n.bayan-terms-premium *{\r\n    box-sizing:border-box;\r\n}\r\n\r\n\r\n\/* =========================\r\n   HERO\r\n========================= *\/\r\n\r\n.bt-premium-hero{\r\n    width:100%;\r\n    padding:80px 20px;\r\n\r\n    background:\r\n    radial-gradient(\r\n        circle at top left,\r\n        rgba(185,151,91,.14),\r\n        transparent 35%\r\n    ),\r\n    linear-gradient(\r\n        180deg,\r\n        #fff 0%,\r\n        #FBF8F1 100%\r\n    );\r\n\r\n    border-bottom:1px solid #E6EAF0;\r\n}\r\n\r\n.bt-wrapper{\r\n    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content:\"\";\r\n    position:absolute;\r\n\r\n    left:0;\r\n    top:0;\r\n\r\n    height:100%;\r\n    width:3px;\r\n\r\n    background:#B9975B;\r\n\r\n    transform:scaleY(0);\r\n    transition:.35s;\r\n}\r\n\r\n.bt-box:hover{\r\n    transform:translateY(-6px);\r\n\r\n    box-shadow:\r\n    0 18px 45px rgba(16,36,62,.12);\r\n}\r\n\r\n.bt-box:hover:before{\r\n    transform:scaleY(1);\r\n}\r\n\r\n.bt-box-top{\r\n    display:flex;\r\n    justify-content:space-between;\r\n    align-items:center;\r\n    margin-bottom:18px;\r\n}\r\n\r\n.bt-box-number{\r\n    font-size:11px;\r\n    font-weight:800;\r\n    color:#B9975B;\r\n}\r\n\r\n.bt-box-icon{\r\n    width:38px;\r\n    height:38px;\r\n\r\n    border-radius:50%;\r\n    background:#FBF8F1;\r\n\r\n    display:flex;\r\n    align-items:center;\r\n    justify-content:center;\r\n\r\n    font-size:16px;\r\n}\r\n\r\n.bt-box h3{\r\n    font-size:17px;\r\n    font-weight:800;\r\n    margin:0 0 12px;\r\n    color:#10243E;\r\n}\r\n\r\n.bt-box p{\r\n    font-size:13px;\r\n    line-height:2;\r\n    color:#667085;\r\n    margin:0;\r\n}\r\n\r\n\r\n\/* =========================\r\n   IMPORTANT NOTICE\r\n========================= *\/\r\n\r\n.bt-important{\r\n    margin-top:30px;\r\n    padding:24px 28px;\r\n\r\n    background:#FBF8F1;\r\n\r\n    border-left:4px solid #B9975B;\r\n\r\n    color:#667085;\r\n    font-size:13px;\r\n    line-height:2;\r\n\r\n    box-shadow:\r\n    0 8px 25px rgba(16,36,62,.04);\r\n}\r\n\r\n.bt-important strong{\r\n    color:#10243E;\r\n}\r\n\r\n\r\n\/* =========================\r\n   ACCOUNT PROTECTION\r\n========================= *\/\r\n\r\n.bt-account-intro{\r\n    max-width:900px;\r\n    margin:0 auto 35px;\r\n\r\n    font-size:14px;\r\n    line-height:2;\r\n    color:#667085;\r\n    text-align:center;\r\n}\r\n\r\n\r\n\/* =========================\r\n   RESPONSIVE\r\n========================= *\/\r\n\r\n@media(max-width:1100px){\r\n\r\n    .bt-boxes{\r\n        grid-template-columns:repeat(2,1fr);\r\n    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}\r\n\r\n}\r\n\r\n<\/style>\r\n\r\n\r\n<!-- =====================\r\n     HERO\r\n===================== -->\r\n\r\n<div class=\"bt-premium-hero\">\r\n\r\n    <div class=\"bt-wrapper\">\r\n\r\n        <span class=\"bt-hero-tag\">\r\n         Terms & Conditions\r\n        <\/span>\r\n\r\n        <h1>\r\n            The Framework Governing Use of the Bayan Markets Platform\r\n        <\/h1>\r\n\r\n        <p>\r\n            These Terms and Conditions govern use of the Bayan Markets platform, account creation, subscriptions, and access to reports, digital content, and research services.\r\n            <br><br>\r\n            By using the website or subscribing to its services, the user confirms that they have read, understood, and agreed to these terms.\r\n        <\/p>\r\n\r\n    <\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- =====================\r\n     CONTENT\r\n===================== -->\r\n\r\n<div class=\"bt-content\">\r\n\r\n\r\n<!-- =====================\r\n     SECTION 01\r\n===================== -->\r\n\r\n<div class=\"bt-section\">\r\n\r\n    <div class=\"bt-section-header\">\r\n\r\n        <div class=\"bt-section-number\">\r\n            01\r\n        <\/div>\r\n\r\n        <h2>\r\n            Nature of the Service\r\n        <\/h2>\r\n\r\n        <p>\r\n            The analytical, research, and digital services provided by Bayan Markets to subscribers.\r\n        <\/p>\r\n\r\n    <\/div>\r\n\r\n\r\n    <div class=\"bt-boxes\">\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">01<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udcca<\/div>\r\n            <\/div>\r\n\r\n            <h3>Reports and Analysis<\/h3>\r\n\r\n            <p>\r\n                Financial-market research reports incorporating technical and economic analysis and charts.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">02<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udcc8<\/div>\r\n            <\/div>\r\n\r\n            <h3>Nature of Content<\/h3>\r\n\r\n            <p>\r\n                General educational and research content that does not constitute personal investment advice.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">03<\/span>\r\n                <div class=\"bt-box-icon\">\ud83c\udf0d<\/div>\r\n            <\/div>\r\n\r\n            <h3>Markets Covered<\/h3>\r\n\r\n            <p>\r\n                Coverage of selected major markets through a clear analytical methodology.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">04<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udd10<\/div>\r\n            <\/div>\r\n\r\n            <h3>Content Access<\/h3>\r\n\r\n            <p>\r\n                Access to reports and archives based on the selected subscription plan.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n    <\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- =====================\r\n     SECTION 02\r\n===================== -->\r\n\r\n<div class=\"bt-section\">\r\n\r\n    <div class=\"bt-section-header\">\r\n\r\n        <div class=\"bt-section-number\">\r\n            02\r\n        <\/div>\r\n\r\n        <h2>\r\n            Eligibility to Use the Platform\r\n        <\/h2>\r\n\r\n        <p>\r\n            The basic requirements for creating an account and using Bayan Markets services.\r\n        <\/p>\r\n\r\n    <\/div>\r\n\r\n\r\n    <div class=\"bt-boxes\">\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">01<\/span>\r\n                <div class=\"bt-box-icon\">\u2713<\/div>\r\n            <\/div>\r\n\r\n            <h3>Legal Age<\/h3>\r\n\r\n            <p>\r\n                Users must have reached the legal age required to use the services.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">02<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udc64<\/div>\r\n            <\/div>\r\n\r\n            <h3>Accurate Information<\/h3>\r\n\r\n            <p>\r\n                Users must provide accurate and current information when registering.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">03<\/span>\r\n                <div class=\"bt-box-icon\">\u2696\ufe0f<\/div>\r\n            <\/div>\r\n\r\n            <h3>Lawful Use<\/h3>\r\n\r\n            <p>\r\n                The platform may be used only for lawful, personal purposes.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">04<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udee1\ufe0f<\/div>\r\n            <\/div>\r\n\r\n            <h3>Account Suspension<\/h3>\r\n\r\n            <p>\r\n                Bayan Markets may suspend accounts that violate these terms.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n    <\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- =====================\r\n     SECTION 03\r\n===================== -->\r\n\r\n<div class=\"bt-section\">\r\n\r\n    <div class=\"bt-section-header\">\r\n\r\n        <div class=\"bt-section-number\">\r\n            03\r\n        <\/div>\r\n\r\n        <h2>\r\n            Account Creation and Management\r\n        <\/h2>\r\n\r\n        <p>\r\n            User responsibilities relating to account creation, security, and account information.\r\n        <\/p>\r\n\r\n    <\/div>\r\n\r\n\r\n    <div class=\"bt-boxes\">\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">01<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udcdd<\/div>\r\n            <\/div>\r\n\r\n            <h3>Account Creation<\/h3>\r\n\r\n            <p>\r\n                Access to certain services may require a personal account and completion of the registration process.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">02<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udd12<\/div>\r\n            <\/div>\r\n\r\n            <h3>Credential Confidentiality<\/h3>\r\n\r\n            <p>\r\n                Users are responsible for protecting their username and password and must not share them with any other party.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">03<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udd04<\/div>\r\n            <\/div>\r\n\r\n            <h3>Information Updates<\/h3>\r\n\r\n            <p>\r\n                Users must keep account information accurate and updated.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">04<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udea8<\/div>\r\n            <\/div>\r\n\r\n            <h3>Unauthorized Use<\/h3>\r\n\r\n            <p>\r\n                Users must notify Bayan Markets immediately if unauthorized account use is suspected.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n    <\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- =====================\r\n     SECTION 04\r\n===================== -->\r\n\r\n<div class=\"bt-section\">\r\n\r\n    <div class=\"bt-section-header\">\r\n\r\n        <div class=\"bt-section-number\">\r\n            04\r\n        <\/div>\r\n\r\n        <h2>\r\n            Account Protection and Subscription Sharing\r\n        <\/h2>\r\n\r\n        <p>\r\n            Measures designed to protect paid content and ensure personal use of subscriptions.\r\n        <\/p>\r\n\r\n    <\/div>\r\n\r\n\r\n    <div class=\"bt-boxes\">\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">01<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udc64<\/div>\r\n            <\/div>\r\n\r\n            <h3>Personal Use<\/h3>\r\n\r\n            <p>\r\n                A subscription is granted exclusively to the registered subscriber and may not be shared.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">02<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udcf1<\/div>\r\n            <\/div>\r\n\r\n            <h3>Permitted Devices<\/h3>\r\n\r\n            <p>\r\n                The account may be used on no more than two personal devices and may not be used simultaneously by other users.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">03<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udc41\ufe0f<\/div>\r\n            <\/div>\r\n\r\n            <h3>Usage Monitoring<\/h3>\r\n\r\n            <p>\r\n                Bayan Markets may review unusual usage and manage associated devices to protect paid content.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">04<\/span>\r\n                <div class=\"bt-box-icon\">\u26d4<\/div>\r\n            <\/div>\r\n\r\n            <h3>Access Suspension<\/h3>\r\n\r\n            <p>\r\n                The platform may suspend or terminate access if sharing or device limits are breached.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n    <\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- =====================\r\n     SECTION 05\r\n===================== -->\r\n\r\n<div class=\"bt-section\">\r\n\r\n    <div class=\"bt-section-header\">\r\n\r\n        <div class=\"bt-section-number\">\r\n            05\r\n        <\/div>\r\n\r\n        <h2>\r\n            Subscriptions and Payment\r\n        <\/h2>\r\n\r\n        <p>\r\n            Terms governing subscription plans, payment, and access to paid services.\r\n        <\/p>\r\n\r\n    <\/div>\r\n\r\n\r\n    <div class=\"bt-boxes\">\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">01<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udcb3<\/div>\r\n            <\/div>\r\n\r\n            <h3>Subscription Plans<\/h3>\r\n\r\n            <p>\r\n                Bayan Markets offers different plans with features defined for each plan.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">02<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udcb0<\/div>\r\n            <\/div>\r\n\r\n            <h3>Payments<\/h3>\r\n\r\n            <p>\r\n                Users must pay the applicable fees through the payment methods available on the platform.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">03<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udcc5<\/div>\r\n            <\/div>\r\n\r\n            <h3>Subscription Term<\/h3>\r\n\r\n            <p>\r\n                The subscription begins upon activation and continues until the chosen plan expires.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">04<\/span>\r\n                <div class=\"bt-box-icon\">\u26a0\ufe0f<\/div>\r\n            <\/div>\r\n\r\n            <h3>Price Changes<\/h3>\r\n\r\n            <p>\r\n                Bayan Markets may change pricing for new subscriptions when necessary.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n    <\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- =====================\r\n     SECTION 06\r\n===================== -->\r\n\r\n<div class=\"bt-section\">\r\n\r\n    <div class=\"bt-section-header\">\r\n\r\n        <div class=\"bt-section-number\">\r\n            06\r\n        <\/div>\r\n\r\n        <h2>\r\n            Renewal, Cancellation, and Content Access\r\n        <\/h2>\r\n\r\n        <p>\r\n            Terms governing subscription renewal, cancellation, expiration, and access to reports.\r\n        <\/p>\r\n\r\n    <\/div>\r\n\r\n\r\n    <div class=\"bt-boxes\">\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">01<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udd01<\/div>\r\n            <\/div>\r\n\r\n            <h3>Renewal<\/h3>\r\n\r\n            <p>\r\n                Where automatic renewal is available, renewal follows the subscription settings and approved payment method.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">02<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udeaa<\/div>\r\n            <\/div>\r\n\r\n            <h3>Cancellation<\/h3>\r\n\r\n            <p>\r\n                Users may request cancellation according to the procedures shown on the platform.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">03<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udcc4<\/div>\r\n            <\/div>\r\n\r\n            <h3>Report Access<\/h3>\r\n\r\n            <p>\r\n                Access to reports and digital content depends on the active subscription level.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">04<\/span>\r\n                <div class=\"bt-box-icon\">\u231b<\/div>\r\n            <\/div>\r\n\r\n            <h3>Subscription Expiry<\/h3>\r\n\r\n            <p>\r\n                Access to paid content may end when the subscription expires and resume upon renewal.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n    <\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- =====================\r\n     SECTION 07\r\n===================== -->\r\n\r\n<div class=\"bt-section\">\r\n\r\n    <div class=\"bt-section-header\">\r\n\r\n        <div class=\"bt-section-number\">\r\n            07\r\n        <\/div>\r\n\r\n        <h2>\r\n            Intellectual Property and Content Rights\r\n        <\/h2>\r\n\r\n        <p>\r\n            Protection of reports, research materials, designs, charts, and digital content published through Bayan Markets.\r\n        <\/p>\r\n\r\n    <\/div>\r\n\r\n\r\n    <div class=\"bt-boxes\">\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">01<\/span>\r\n                <div class=\"bt-box-icon\">\u00a9<\/div>\r\n            <\/div>\r\n\r\n            <h3>Content Ownership<\/h3>\r\n\r\n            <p>\r\n                All reports, analyses, charts, designs, and content published through the platform are owned by Bayan Markets and protected by intellectual-property laws.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">02<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udcd1<\/div>\r\n            <\/div>\r\n\r\n            <h3>Permitted Use<\/h3>\r\n\r\n            <p>\r\n                Subscribers may use the content for personal purposes only during an active subscription and may not reproduce or republish it.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">03<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udeab<\/div>\r\n            <\/div>\r\n\r\n            <h3>Report Redistribution<\/h3>\r\n\r\n            <p>\r\n                Copying, sharing, selling, or redistributing paid reports or files through any platform or channel is prohibited.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">04<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udee1\ufe0f<\/div>\r\n            <\/div>\r\n\r\n            <h3>Brand Protection<\/h3>\r\n\r\n            <p>\r\n                Logos, trademarks, and ownership notices associated with Bayan Markets content may not be removed.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n    <\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- =====================\r\n     SECTION 08\r\n===================== -->\r\n\r\n<div class=\"bt-section\">\r\n\r\n    <div class=\"bt-section-header\">\r\n\r\n        <div class=\"bt-section-number\">\r\n            08\r\n        <\/div>\r\n\r\n        <h2>\r\n            Prohibited Uses\r\n        <\/h2>\r\n\r\n        <p>\r\n            Activities that may compromise the platform, paid content, or the rights of Bayan Markets and its subscribers.\r\n        <\/p>\r\n\r\n    <\/div>\r\n\r\n\r\n    <div class=\"bt-boxes\">\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">01<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udeab<\/div>\r\n            <\/div>\r\n\r\n            <h3>Account Sharing<\/h3>\r\n\r\n            <p>\r\n                Sharing login details or allowing another person to access paid content is prohibited.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">02<\/span>\r\n                <div class=\"bt-box-icon\">\u2699\ufe0f<\/div>\r\n            <\/div>\r\n\r\n            <h3>Circumventing Protection<\/h3>\r\n\r\n            <p>\r\n                Users may not bypass security systems, technical restrictions, or access unauthorized platform areas.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">03<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udce4<\/div>\r\n            <\/div>\r\n\r\n            <h3>Commercial Use<\/h3>\r\n\r\n            <p>\r\n                Reports and analysis may not be used to create competing services or obtain commercial benefit without prior approval.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">04<\/span>\r\n                <div class=\"bt-box-icon\">\u2696\ufe0f<\/div>\r\n            <\/div>\r\n\r\n            <h3>Illegal Use<\/h3>\r\n\r\n            <p>\r\n                The platform may not be used for activities that violate applicable laws or regulations.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n    <\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- =====================\r\n     SECTION 09\r\n===================== -->\r\n\r\n<div class=\"bt-section\">\r\n\r\n    <div class=\"bt-section-header\">\r\n\r\n        <div class=\"bt-section-number\">\r\n            09\r\n        <\/div>\r\n\r\n        <h2>\r\n            Privacy and Data Protection\r\n        <\/h2>\r\n\r\n        <p>\r\n            Bayan Markets is committed to protecting user information and using it only for legitimate service-related purposes.\r\n        <\/p>\r\n\r\n    <\/div>\r\n\r\n\r\n    <div class=\"bt-boxes\">\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">01<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udd10<\/div>\r\n            <\/div>\r\n\r\n            <h3>Data Collection<\/h3>\r\n\r\n            <p>\r\n                Information needed for account creation, subscription administration, and user-experience improvement may be collected.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">02<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udcc2<\/div>\r\n            <\/div>\r\n\r\n            <h3>Data Use<\/h3>\r\n\r\n            <p>\r\n                Data is used to provide services, manage accounts, and communicate about subscriptions and updates.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">03<\/span>\r\n                <div class=\"bt-box-icon\">\ud83e\udd1d<\/div>\r\n            <\/div>\r\n\r\n            <h3>No Sale of Data<\/h3>\r\n\r\n            <p>\r\n                User data is not sold or rented to external parties for unauthorized marketing purposes.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">04<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udce9<\/div>\r\n            <\/div>\r\n\r\n            <h3>User Communications<\/h3>\r\n\r\n            <p>\r\n                Service, subscription, or important account-related communications may be sent to users.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n    <\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- =====================\r\n     SECTION 10\r\n===================== -->\r\n\r\n<div class=\"bt-section\">\r\n\r\n    <div class=\"bt-section-header\">\r\n\r\n        <div class=\"bt-section-number\">\r\n            10\r\n        <\/div>\r\n\r\n        <h2>\r\n            Cancellation and Refund Policy\r\n        <\/h2>\r\n\r\n        <p>\r\n            These provisions govern subscription cancellations and refund requests relating to digital services.\r\n        <\/p>\r\n\r\n    <\/div>\r\n\r\n\r\n    <div class=\"bt-boxes\">\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">01<\/span>\r\n                <div class=\"bt-box-icon\">\u21a9\ufe0f<\/div>\r\n            <\/div>\r\n\r\n            <h3>Digital Service<\/h3>\r\n\r\n            <p>\r\n                Because a subscription provides immediate access to paid digital content, refunds may be limited after content access has been activated.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">02<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udce8<\/div>\r\n            <\/div>\r\n\r\n            <h3>Refund Requests<\/h3>\r\n\r\n            <p>\r\n                Users may submit a refund request to support. Requests are reviewed according to subscription status and usage period.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">03<\/span>\r\n                <div class=\"bt-box-icon\">\u23f1\ufe0f<\/div>\r\n            <\/div>\r\n\r\n            <h3>Review Period<\/h3>\r\n\r\n            <p>\r\n                Bayan Markets reviews cancellation and refund requests within a reasonable period and communicates its decision.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">04<\/span>\r\n                <div class=\"bt-box-icon\">\u26a0\ufe0f<\/div>\r\n            <\/div>\r\n\r\n            <h3>Ineligible Cases<\/h3>\r\n\r\n            <p>\r\n                Refunds may be unavailable when paid content has been used or downloaded, or when an account has been shared.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n    <\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- =====================\r\n     SECTION 11\r\n===================== -->\r\n\r\n<div class=\"bt-section\">\r\n\r\n    <div class=\"bt-section-header\">\r\n\r\n        <div class=\"bt-section-number\">\r\n            11\r\n        <\/div>\r\n\r\n        <h2>\r\n            Investment Disclaimer\r\n        <\/h2>\r\n\r\n        <p>\r\n            Clarification of the research nature of Bayan Markets content and the limits of responsibility associated with its use.\r\n        <\/p>\r\n\r\n    <\/div>\r\n\r\n\r\n    <div class=\"bt-boxes\">\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">01<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udcca<\/div>\r\n            <\/div>\r\n\r\n            <h3>Research Content Only<\/h3>\r\n\r\n            <p>\r\n                All Bayan Markets reports and analyses are educational and research materials and are not direct buy or sell recommendations.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">02<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udcc9<\/div>\r\n            <\/div>\r\n\r\n            <h3>Market Risk<\/h3>\r\n\r\n            <p>\r\n                Financial markets involve risk and may be affected by economic and political factors beyond anyone\u2019s control.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">03<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udc64<\/div>\r\n            <\/div>\r\n\r\n            <h3>User Responsibility<\/h3>\r\n\r\n            <p>\r\n                Users remain responsible for their own investment decisions and must assess risk before making financial decisions.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">04<\/span>\r\n                <div class=\"bt-box-icon\">\u2696\ufe0f<\/div>\r\n            <\/div>\r\n\r\n            <h3>No Guarantee<\/h3>\r\n\r\n            <p>\r\n                Bayan Markets does not guarantee specific financial outcomes or permanent accuracy in forecasting market movements.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n    <\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- =====================\r\n     SECTION 12\r\n===================== -->\r\n\r\n<div class=\"bt-section\">\r\n\r\n    <div class=\"bt-section-header\">\r\n\r\n        <div class=\"bt-section-number\">\r\n            12\r\n        <\/div>\r\n\r\n        <h2>\r\n            Contact and Support\r\n        <\/h2>\r\n\r\n        <p>\r\n            Official contact channels for questions concerning services, accounts, subscriptions, and the platform.\r\n        <\/p>\r\n\r\n    <\/div>\r\n\r\n\r\n    <div class=\"bt-boxes\">\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">01<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udce7<\/div>\r\n            <\/div>\r\n\r\n            <h3>Account Support<\/h3>\r\n\r\n            <p>\r\n                Account, subscription, and technical support:\r\n                <br><br>\r\n                <strong>support@bayanmarkets.com<\/strong>\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">02<\/span>\r\n                <div class=\"bt-box-icon\">\u2709\ufe0f<\/div>\r\n            <\/div>\r\n\r\n            <h3>General Contact<\/h3>\r\n\r\n            <p>\r\n                General enquiries, partnerships, and proposals:\r\n                <br><br>\r\n                <strong>info@bayanmarkets.com<\/strong>\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">03<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udd04<\/div>\r\n            <\/div>\r\n\r\n            <h3>Terms Updates<\/h3>\r\n\r\n            <p>\r\n                Bayan Markets may amend or update these terms when necessary. The latest version will be published on this page.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">04<\/span>\r\n                <div class=\"bt-box-icon\">\u2713<\/div>\r\n            <\/div>\r\n\r\n            <h3>Acceptance<\/h3>\r\n\r\n            <p>\r\n                By using the platform, users confirm that they understand and agree to comply with these terms.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n    <\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- =====================\r\n     SECTION 13\r\n===================== -->\r\n\r\n<div class=\"bt-section\">\r\n\r\n    <div class=\"bt-section-header\">\r\n\r\n        <div class=\"bt-section-number\">\r\n            13\r\n        <\/div>\r\n\r\n        <h2>\r\n            Account Use and Protection of Login Credentials\r\n        <\/h2>\r\n\r\n    <\/div>\r\n\r\n    <div class=\"bt-account-intro\">\r\n        Bayan Markets is committed to protecting paid content and ensuring that subscriptions are used safely and exclusively by each registered subscriber.\r\n    <\/div>\r\n\r\n\r\n    <div class=\"bt-boxes\">\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">01<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udc64<\/div>\r\n            <\/div>\r\n\r\n            <h3>Personal Use of the Account<\/h3>\r\n\r\n            <p>\r\n                A Bayan Markets subscription is granted solely and exclusively to the registered subscriber. The account, username, password, or any other login details may not be shared with another person, whether for payment or free of charge, to provide access to reports, updates, archives, or other subscriber-only content.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">02<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udcf1<\/div>\r\n            <\/div>\r\n\r\n            <h3>Permitted Devices<\/h3>\r\n\r\n            <p>\r\n                A subscriber may use the account on no more than two devices for personal use. The account may not be used simultaneously or repeatedly from other devices or by other users in a manner suggesting subscription sharing.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">03<\/span>\r\n                <div class=\"bt-box-icon\">\ud83d\udee1\ufe0f<\/div>\r\n            <\/div>\r\n\r\n            <h3>Content Protection and Usage Monitoring<\/h3>\r\n\r\n            <p>\r\n                Bayan Markets may take reasonable steps to protect its content and investigate unusual account usage, including registering and managing associated devices and reviewing login attempts in accordance with the approved Privacy Policy.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bt-box\">\r\n\r\n            <div class=\"bt-box-top\">\r\n                <span class=\"bt-box-number\">04<\/span>\r\n                <div class=\"bt-box-icon\">\u26d4<\/div>\r\n            <\/div>\r\n\r\n            <h3>Suspension or Termination of Access<\/h3>\r\n\r\n            <p>\r\n                Where there is reasonable evidence of account or credential sharing, use beyond permitted device limits, or access by another party, Bayan Markets may suspend or terminate account and subscription access under the applicable terms and notify the user of the action taken.\r\n            <\/p>\r\n\r\n        <\/div>\r\n\r\n    <\/div>\r\n\r\n\r\n    <div class=\"bt-important\">\r\n\r\n        <strong>Important:<\/strong>\r\n        Subscribers may not circumvent device restrictions or create alternative access methods to share paid content. Subscribers are responsible for protecting their login credentials and must notify Bayan Markets immediately if unauthorized use is suspected.\r\n\r\n    <\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<\/div>\r\n\r\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3fea4e5 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"3fea4e5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b8d7071 elementor-widget elementor-widget-html\" data-id=\"b8d7071\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<section class=\"bayan-account-security\" dir=\"rtl\"><style>@import url('https:\/\/fonts.googleapis.com\/css2?family=Alexandria:wght@400;500;600;700;800&display=swap');\r\n\r\n\r\n.bayan-account-security{\r\n\r\n    font-family:'Alexandria',sans-serif;\r\n    margin-top:70px;\r\n    color:#10243E;\r\n    max-width:1200px;\r\n    margin:auto;\r\n    padding:0 20px 80px;\r\n\r\n}\r\n\r\n\r\n\r\n\/* HEADER *\/\r\n\r\n.bas-header{\r\n\r\n    text-align:center;\r\n    margin-bottom:45px;\r\n\r\n}\r\n\r\n\r\n.bas-label{\r\n\r\n    display:inline-block;\r\n    padding:8px 25px;\r\n    border:1px solid #B9975B;\r\n    border-radius:25px;\r\n    color:#B9975B;\r\n    font-size:13px;\r\n    font-weight:600;\r\n    background:#fff;\r\n    margin-bottom:20px;\r\n\r\n}\r\n\r\n\r\n.bas-header h2{\r\n\r\n    font-size:28px;\r\n    font-weight:800;\r\n    color:#10243E;\r\n    margin:0 0 15px;\r\n    line-height:1.7;\r\n\r\n}\r\n\r\n\r\n.bas-header p{\r\n\r\n    max-width:850px;\r\n    margin:auto;\r\n    color:#667085;\r\n    font-size:15px;\r\n    line-height:2.3;\r\n\r\n}\r\n\r\n\r\n\r\n\/* CARDS *\/\r\n\r\n.bas-grid{\r\n\r\n    display:grid;\r\n    grid-template-columns:repeat(4,1fr);\r\n    gap:20px;\r\n\r\n}\r\n\r\n\r\n\r\n.bas-card{\r\n\r\n    background:#fff;\r\n    border:1px solid #E6EAF0;\r\n    padding:28px;\r\n    position:relative;\r\n    overflow:hidden;\r\n    transition:.35s;\r\n\r\n    box-shadow:\r\n    0 8px 25px rgba(16,36,62,.06);\r\n\r\n}\r\n\r\n\r\n\r\n.bas-card:before{\r\n\r\n    content:\"\";\r\n    position:absolute;\r\n    right:0;\r\n    top:0;\r\n    width:3px;\r\n    height:0;\r\n    background:#B9975B;\r\n    transition:.35s;\r\n\r\n}\r\n\r\n\r\n\r\n.bas-card:hover{\r\n\r\n    transform:translateY(-6px);\r\n\r\n    box-shadow:\r\n    0 18px 45px rgba(16,36,62,.12);\r\n\r\n    border-color:#B9975B;\r\n\r\n}\r\n\r\n\r\n\r\n.bas-card:hover:before{\r\n\r\n    height:100%;\r\n\r\n}\r\n\r\n\r\n\r\n.bas-card h3{\r\n\r\n    font-size:18px;\r\n    font-weight:800;\r\n    color:#10243E;\r\n    margin:0 0 12px;\r\n    line-height:1.8;\r\n\r\n}\r\n\r\n\r\n\r\n.bas-card p{\r\n\r\n    font-size:13px;\r\n    color:#667085;\r\n    line-height:2.3;\r\n    margin:0;\r\n\r\n}\r\n\r\n\r\n\r\n\/* NOTE *\/\r\n\r\n\r\n.bas-note{\r\n\r\n    margin-top:35px;\r\n    background:#FBF8F1;\r\n    border-right:4px solid #B9975B;\r\n    padding:28px;\r\n\r\n    color:#667085;\r\n\r\n    font-size:14px;\r\n\r\n    line-height:2.4;\r\n\r\n}\r\n\r\n\r\n\r\n.bas-note strong{\r\n\r\n    color:#10243E;\r\n\r\n}\r\n\r\n\r\n\r\n\r\n\r\n\/* TABLET *\/\r\n\r\n@media(max-width:1100px){\r\n\r\n\r\n    .bas-grid{\r\n\r\n        grid-template-columns:repeat(2,1fr);\r\n\r\n    }\r\n\r\n\r\n\r\n    .bas-header h2{\r\n\r\n        font-size:26px;\r\n\r\n    }\r\n\r\n\r\n\r\n    .bas-header p{\r\n\r\n        font-size:14px;\r\n\r\n    }\r\n\r\n\r\n}\r\n\r\n\r\n\r\n\r\n\r\n\/* MOBILE *\/\r\n\r\n@media(max-width:600px){\r\n\r\n\r\n    .bayan-account-security{\r\n\r\n        padding:0 15px 60px;\r\n\r\n    }\r\n\r\n\r\n\r\n    .bas-label{\r\n\r\n        font-size:12px;\r\n\r\n        padding:7px 18px;\r\n\r\n    }\r\n\r\n\r\n\r\n    .bas-header h2{\r\n\r\n        font-size:23px;\r\n\r\n        line-height:1.8;\r\n\r\n    }\r\n\r\n\r\n\r\n    .bas-header p{\r\n\r\n        font-size:13px;\r\n\r\n        line-height:2.2;\r\n\r\n    }\r\n\r\n\r\n\r\n    .bas-grid{\r\n\r\n        grid-template-columns:1fr;\r\n\r\n        gap:18px;\r\n\r\n    }\r\n\r\n\r\n\r\n    .bas-card{\r\n\r\n        padding:22px 18px;\r\n\r\n    }\r\n\r\n\r\n\r\n    .bas-card h3{\r\n\r\n        font-size:16px;\r\n\r\n    }\r\n\r\n\r\n\r\n    .bas-card p{\r\n\r\n        font-size:12.5px;\r\n\r\n    }\r\n\r\n\r\n\r\n    .bas-note{\r\n\r\n        padding:22px 18px;\r\n\r\n        font-size:13px;\r\n\r\n    }\r\n\r\n\r\n}\r\n\r\n<\/style><div class=\"bas-header\"><span class=\"bas-label\">\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u062d\u0633\u0627\u0628\r\n<\/span><h2>\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062d\u0633\u0627\u0628 \u0648\u062d\u0645\u0627\u064a\u0629 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062f\u062e\u0648\u0644\r\n<\/h2><p>\u0646\u062d\u0631\u0635 \u0641\u064a Bayan Markets \u0639\u0644\u0649 \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u062d\u062a\u0648\u0649 \u0627\u0644\u0645\u062f\u0641\u0648\u0639 \u0648\u0636\u0645\u0627\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643\u0627\u062a \u0628\u0637\u0631\u064a\u0642\u0629 \u0622\u0645\u0646\u0629 \u0648\u062d\u0635\u0631\u064a\u0629 \u0644\u0643\u0644 \u0645\u0634\u062a\u0631\u0643.\r\n<\/p><\/div><div class=\"bas-grid\"><div class=\"bas-card\"><h3>\u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0634\u062e\u0635\u064a \u0644\u0644\u062d\u0633\u0627\u0628\r\n<\/h3><p>\u064a\u064f\u0645\u0646\u062d \u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643 \u0641\u064a Bayan Markets \u0644\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0634\u062e\u0635\u064a \u0648\u0627\u0644\u062d\u0635\u0631\u064a \u0644\u0644\u0645\u0634\u062a\u0631\u0643 \u0627\u0644\u0645\u0633\u062c\u0644\u060c \u0648\u0644\u0627 \u064a\u062c\u0648\u0632 \u0645\u0634\u0627\u0631\u0643\u0629 \u0627\u0644\u062d\u0633\u0627\u0628 \u0623\u0648 \u0627\u0633\u0645 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645 \u0623\u0648 \u0643\u0644\u0645\u0629 \u0627\u0644\u0645\u0631\u0648\u0631 \u0623\u0648 \u0623\u064a \u0628\u064a\u0627\u0646\u0627\u062a \u062f\u062e\u0648\u0644 \u0645\u0639 \u0623\u064a \u0634\u062e\u0635 \u0622\u062e\u0631\u060c \u0633\u0648\u0627\u0621 \u0628\u0645\u0642\u0627\u0628\u0644 \u0623\u0648 \u062f\u0648\u0646 \u0645\u0642\u0627\u0628\u0644\u060c \u0628\u063a\u0631\u0636 \u062a\u0645\u0643\u064a\u0646\u0647 \u0645\u0646 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u062a\u0642\u0627\u0631\u064a\u0631 \u0623\u0648 \u0627\u0644\u062a\u062d\u062f\u064a\u062b\u0627\u062a \u0623\u0648 \u0627\u0644\u0623\u0631\u0634\u064a\u0641 \u0623\u0648 \u0623\u064a \u0645\u062d\u062a\u0648\u0649 \u0645\u062e\u0635\u0635 \u0644\u0644\u0645\u0634\u062a\u0631\u0643\u064a\u0646.\r\n<\/p><\/div><div class=\"bas-card\"><h3>\u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0645\u0633\u0645\u0648\u062d \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627\r\n<\/h3><p>\u064a\u064f\u0633\u0645\u062d \u0644\u0644\u0645\u0634\u062a\u0631\u0643 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062d\u0633\u0627\u0628\u0647 \u0639\u0644\u0649 \u062c\u0647\u0627\u0632\u064a\u0646 (2) \u0643\u062d\u062f \u0623\u0642\u0635\u0649 \u0644\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0634\u062e\u0635\u064a\u060c \u0648\u0644\u0627 \u064a\u062c\u0648\u0632 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062d\u0633\u0627\u0628 \u0628\u0635\u0648\u0631\u0629 \u0645\u062a\u0632\u0627\u0645\u0646\u0629 \u0623\u0648 \u0645\u062a\u0643\u0631\u0631\u0629 \u0645\u0646 \u0623\u062c\u0647\u0632\u0629 \u0623\u0648 \u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0622\u062e\u0631\u064a\u0646 \u0628\u0645\u0627 \u064a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0645\u0634\u0627\u0631\u0643\u0629 \u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643.\r\n<\/p><\/div><div class=\"bas-card\"><h3>\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u062d\u062a\u0648\u0649 \u0648\u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\r\n<\/h3><p>\u064a\u062d\u0642 \u0644\u0640 Bayan Markets \u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0644\u0627\u0632\u0645\u0629 \u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u062d\u062a\u0648\u0649 \u0648\u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u063a\u064a\u0631 \u0627\u0644\u0645\u0639\u062a\u0627\u062f \u0644\u0644\u062d\u0633\u0627\u0628\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u062a\u0633\u062c\u064a\u0644 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0627\u0644\u062d\u0633\u0627\u0628 \u0648\u0645\u0631\u0627\u062c\u0639\u0629 \u0645\u062d\u0627\u0648\u0644\u0627\u062a \u062a\u0633\u062c\u064a\u0644 \u0627\u0644\u062f\u062e\u0648\u0644\u060c \u0648\u0630\u0644\u0643 \u0648\u0641\u0642\u064b\u0627 \u0644\u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629 \u0627\u0644\u0645\u0639\u062a\u0645\u062f\u0629.\r\n<\/p><\/div><div class=\"bas-card\"><h3>\u062a\u0639\u0644\u064a\u0642 \u0623\u0648 \u0625\u064a\u0642\u0627\u0641 \u0627\u0644\u0648\u0635\u0648\u0644\r\n<\/h3><p>\u0641\u064a \u062d\u0627\u0644 \u0648\u062c\u0648\u062f \u062f\u0644\u0627\u0626\u0644 \u0645\u0639\u0642\u0648\u0644\u0629 \u0639\u0644\u0649 \u0645\u0634\u0627\u0631\u0643\u0629 \u0627\u0644\u062d\u0633\u0627\u0628 \u0623\u0648 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062f\u062e\u0648\u0644\u060c \u0623\u0648 \u062a\u062c\u0627\u0648\u0632 \u0627\u0644\u062d\u062f \u0627\u0644\u0645\u0633\u0645\u0648\u062d \u0628\u0647 \u0644\u0644\u0623\u062c\u0647\u0632\u0629\u060c \u0623\u0648 \u062a\u0645\u0643\u064a\u0646 \u0637\u0631\u0641 \u0622\u062e\u0631 \u0645\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643\u060c \u064a\u062d\u0642 \u0644\u0640 Bayan Markets \u062a\u0639\u0644\u064a\u0642 \u0623\u0648 \u0625\u064a\u0642\u0627\u0641 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u062d\u0633\u0627\u0628 \u0648\u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643 \u0648\u0641\u0642\u064b\u0627 \u0644\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647\u0627\u060c \u0645\u0639 \u0625\u062e\u0637\u0627\u0631 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645 \u0628\u0627\u0644\u0625\u062c\u0631\u0627\u0621 \u0627\u0644\u0645\u062a\u062e\u0630.\r\n<\/p><\/div><\/div><div class=\"bas-note\"><strong>\u0645\u0644\u0627\u062d\u0638\u0629 \u0645\u0647\u0645\u0629:\r\n<\/strong><br\/>\u0644\u0627 \u064a\u062d\u0642 \u0644\u0644\u0645\u0634\u062a\u0631\u0643 \u0627\u0644\u062a\u062d\u0627\u064a\u0644 \u0639\u0644\u0649 \u0642\u064a\u0648\u062f \u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0623\u0648 \u0625\u0646\u0634\u0627\u0621 \u0648\u0633\u0627\u0626\u0644 \u0648\u0635\u0648\u0644 \u0628\u062f\u064a\u0644\u0629 \u0628\u0647\u062f\u0641 \u0645\u0634\u0627\u0631\u0643\u0629 \u0627\u0644\u0645\u062d\u062a\u0648\u0649 \u0627\u0644\u0645\u062f\u0641\u0648\u0639 \u0645\u0639 \u0627\u0644\u063a\u064a\u0631. \u0648\u064a\u062a\u062d\u0645\u0644 \u0627\u0644\u0645\u0634\u062a\u0631\u0643 \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u062d\u0627\u0641\u0638\u0629 \u0639\u0644\u0649 \u0633\u0631\u064a\u0629 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062f\u062e\u0648\u0644 \u0625\u0644\u0649 \u062d\u0633\u0627\u0628\u0647\u060c \u0648\u0639\u0644\u064a\u0647 \u0625\u0628\u0644\u0627\u063a Bayan Markets \u0641\u0648\u0631\u064b\u0627 \u0641\u064a \u062d\u0627\u0644 \u0627\u0644\u0627\u0634\u062a\u0628\u0627\u0647 \u0641\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062d\u0633\u0627\u0628 \u062f\u0648\u0646 \u0625\u0630\u0646\u0647.\r\n\r\n<\/div><\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Terms &#038; Conditions The Framework Governing Use of the Bayan Markets Platform These Terms and Conditions govern use of the Bayan Markets platform, account creation, subscriptions, and access to reports, digital content, and research services. By using the website or subscribing to its services, the user confirms that they have read, understood, and agreed to these terms. 01 Nature of the Service The analytical, research, and digital services provided by Bayan Markets to subscribers. 01 \ud83d\udcca Reports and Analysis Financial-market research reports incorporating technical and economic analysis and charts. 02 \ud83d\udcc8 Nature of Content General educational and research content that does not constitute personal investment advice. 03 \ud83c\udf0d Markets Covered Coverage of selected major markets through a clear analytical methodology. 04 \ud83d\udd10 Content Access Access to reports and archives based on the selected subscription plan. 02 Eligibility to Use the Platform The basic requirements for creating an account and using Bayan Markets services. 01 \u2713 Legal Age Users must have reached the legal age required to use the services. 02 \ud83d\udc64 Accurate Information Users must provide accurate and current information when registering. 03 \u2696\ufe0f Lawful Use The platform may be used only for lawful, personal purposes. 04 \ud83d\udee1\ufe0f Account Suspension Bayan Markets may suspend accounts that violate these terms. 03 Account Creation and Management User responsibilities relating to account creation, security, and account information. 01 \ud83d\udcdd Account Creation Access to certain services may require a personal account and completion of the registration process. 02 \ud83d\udd12 Credential Confidentiality Users are responsible for protecting their username and password and must not share them with any other party. 03 \ud83d\udd04 Information Updates Users must keep account information accurate and updated. 04 \ud83d\udea8 Unauthorized Use Users must notify Bayan Markets immediately if unauthorized account use is suspected. 04 Account Protection and Subscription Sharing Measures designed to protect paid content and ensure personal use of subscriptions. 01 \ud83d\udc64 Personal Use A subscription is granted exclusively to the registered subscriber and may not be shared. 02 \ud83d\udcf1 Permitted Devices The account may be used on no more than two personal devices and may not be used simultaneously by other users. 03 \ud83d\udc41\ufe0f Usage Monitoring Bayan Markets may review unusual usage and manage associated devices to protect paid content. 04 \u26d4 Access Suspension The platform may suspend or terminate access if sharing or device limits are breached. 05 Subscriptions and Payment Terms governing subscription plans, payment, and access to paid services. 01 \ud83d\udcb3 Subscription Plans Bayan Markets offers different plans with features defined for each plan. 02 \ud83d\udcb0 Payments Users must pay the applicable fees through the payment methods available on the platform. 03 \ud83d\udcc5 Subscription Term The subscription begins upon activation and continues until the chosen plan expires. 04 \u26a0\ufe0f Price Changes Bayan Markets may change pricing for new subscriptions when necessary. 06 Renewal, Cancellation, and Content Access Terms governing subscription renewal, cancellation, expiration, and access to reports. 01 \ud83d\udd01 Renewal Where automatic renewal is available, renewal follows the subscription settings and approved payment method. 02 \ud83d\udeaa Cancellation Users may request cancellation according to the procedures shown on the platform. 03 \ud83d\udcc4 Report Access Access to reports and digital content depends on the active subscription level. 04 \u231b Subscription Expiry Access to paid content may end when the subscription expires and resume upon renewal. 07 Intellectual Property and Content Rights Protection of reports, research materials, designs, charts, and digital content published through Bayan Markets. 01 \u00a9 Content Ownership All reports, analyses, charts, designs, and content published through the platform are owned by Bayan Markets and protected by intellectual-property laws. 02 \ud83d\udcd1 Permitted Use Subscribers may use the content for personal purposes only during an active subscription and may not reproduce or republish it. 03 \ud83d\udeab Report Redistribution Copying, sharing, selling, or redistributing paid reports or files through any platform or channel is prohibited. 04 \ud83d\udee1\ufe0f Brand Protection Logos, trademarks, and ownership notices associated with Bayan Markets content may not be removed. 08 Prohibited Uses Activities that may compromise the platform, paid content, or the rights of Bayan Markets and its subscribers. 01 \ud83d\udeab Account Sharing Sharing login details or allowing another person to access paid content is prohibited. 02 \u2699\ufe0f Circumventing Protection Users may not bypass security systems, technical restrictions, or access unauthorized platform areas. 03 \ud83d\udce4 Commercial Use Reports and analysis may not be used to create competing services or obtain commercial benefit without prior approval. 04 \u2696\ufe0f Illegal Use The platform may not be used for activities that violate applicable laws or regulations. 09 Privacy and Data Protection Bayan Markets is committed to protecting user information and using it only for legitimate service-related purposes. 01 \ud83d\udd10 Data Collection Information needed for account creation, subscription administration, and user-experience improvement may be collected. 02 \ud83d\udcc2 Data Use Data is used to provide services, manage accounts, and communicate about subscriptions and updates. 03 \ud83e\udd1d No Sale of Data User data is not sold or rented to external parties for unauthorized marketing purposes. 04 \ud83d\udce9 User Communications Service, subscription, or important account-related communications may be sent to users. 10 Cancellation and Refund Policy These provisions govern subscription cancellations and refund requests relating to digital services. 01 \u21a9\ufe0f Digital Service Because a subscription provides immediate access to paid digital content, refunds may be limited after content access has been activated. 02 \ud83d\udce8 Refund Requests Users may submit a refund request to support. Requests are reviewed according to subscription status and usage period. 03 \u23f1\ufe0f Review Period Bayan Markets reviews cancellation and refund requests within a reasonable period and communicates its decision. 04 \u26a0\ufe0f Ineligible Cases Refunds may be unavailable when paid content has been used or downloaded, or when an account has been shared. 11 Investment Disclaimer Clarification of the research nature of Bayan Markets content and the limits of responsibility associated with its use. 01 \ud83d\udcca Research Content Only All Bayan Markets reports and analyses are educational and research materials and are not direct buy or sell recommendations. 02 \ud83d\udcc9 Market Risk Financial markets involve risk and<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":12,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"pmpro_default_level":"","site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":"","_members_access_role":[],"_members_access_error":""},"class_list":["post-3212","page","type-page","status-publish","hentry","pmpro-has-access"],"acf":[],"_links":{"self":[{"href":"https:\/\/bayanmarkets.com\/en\/wp-json\/wp\/v2\/pages\/3212","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bayanmarkets.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bayanmarkets.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bayanmarkets.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bayanmarkets.com\/en\/wp-json\/wp\/v2\/comments?post=3212"}],"version-history":[{"count":4,"href":"https:\/\/bayanmarkets.com\/en\/wp-json\/wp\/v2\/pages\/3212\/revisions"}],"predecessor-version":[{"id":3226,"href":"https:\/\/bayanmarkets.com\/en\/wp-json\/wp\/v2\/pages\/3212\/revisions\/3226"}],"wp:attachment":[{"href":"https:\/\/bayanmarkets.com\/en\/wp-json\/wp\/v2\/media?parent=3212"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}