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Copyright (c) 2026 FinRisk AI. All Rights Reserved.
Copyright (c) 2026 Niraj Kumar. All Rights Reserved.

STRICT PROHIBITION ON COPYING, REPRODUCTION, AND REDISTRIBUTION:

This software, source code, visual designs, algorithmic models, architecture, 
and associated documentation ("the Materials") are the exclusive proprietary property 
of the copyright holders. 

NO LICENSE GRANTED:
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3. Distribute, sublicense, rent, lease, publish, transmit, or publicly display the Materials.
4. Use this software, codebase, or UI design for commercial, personal, institutional, or educational deployment without explicit, formal written authorization signed by the copyright holders.

ANY UNAUTHORIZED COPYING, USE, REPRODUCTION, OR REDISTRIBUTION CONSTITUTES DIRECT INFRINGEMENT 
OF COPYRIGHT AND INTELLECTUAL PROPERTY LAWS AND WILL BE SUBJECT TO IMMEDIATE LEGAL ACTION 
AND STATUTORY DAMAGES.

THE MATERIALS ARE PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, 
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