COOKIE POLICY, ACCEPTABLE USE POLICY, AND AI USAGE & LIMITATIONS POLICY
Last Updated: June 22, 2026
This document forms part of the Terms and Conditions and Privacy Policy governing the services provided by Mercatum Faciunt Limited, operating as tenexcel.™, tenexcel., Axiom, Provenance., tenexcel. Institute of Thought Leadership (TITL), and Provenance Institute of Artificial Intelligence (collectively, the "Services").
By accessing or using our Services, you agree to comply with the policies outlined below.
PART I — COOKIE POLICY
1. PURPOSE
This Cookie Policy explains how Mercatum Faciunt Limited uses cookies and similar technologies on tenexcel.org and related Services.
Cookies help us improve functionality, understand user behavior, maintain security, and deliver a better user experience.
2. WHAT ARE COOKIES?
Cookies are small text files stored on your device when you visit a website.
Cookies allow websites to:
Remember user preferences
Maintain login sessions
Improve website functionality
Analyze website performance
Enhance security
Measure engagement
3. TYPES OF COOKIES WE USE
Essential Cookies
These cookies are necessary for:
Authentication
Account security
Session management
Core platform functionality
Without these cookies, certain Services may not operate correctly.
Analytics Cookies
We use analytics tools to understand how users interact with our Services.
Current analytics providers may include:
Google Analytics
Vercel Analytics
These services help us measure:
Traffic patterns
Feature usage
User engagement
Platform performance
Error rates
Functional Cookies
These cookies allow us to remember:
User preferences
Language settings
Interface configurations
Accessibility settings
Security Cookies
Security cookies assist with:
Fraud prevention
Abuse detection
Account protection
Authentication verification
4. MANAGING COOKIES
Users may configure browser settings to:
Block cookies
Delete cookies
Restrict certain cookie categories
Disabling cookies may affect platform functionality and user experience.
5. POLICY UPDATES
We may update this Cookie Policy periodically.
Continued use of the Services constitutes acceptance of any updated version.
PART II — ACCEPTABLE USE POLICY
1. PURPOSE
The Services are designed to support productivity, research, learning, collaboration, and business intelligence activities.
Users must use the Services responsibly and lawfully.
2. PROHIBITED ACTIVITIES
You may not use the Services to:
Illegal Activities
Violate applicable laws or regulations
Facilitate criminal conduct
Commit fraud
Engage in money laundering
Circumvent legal restrictions
Intellectual Property Violations
Infringe copyrights
Infringe trademarks
Misappropriate trade secrets
Distribute unauthorized proprietary materials
Platform Abuse
Attempt unauthorized access
Reverse engineer proprietary systems
Bypass security controls
Probe infrastructure vulnerabilities
Disrupt service operations
Malicious Software
You may not upload, distribute, or execute:
Malware
Viruses
Ransomware
Spyware
Trojan programs
Malicious scripts
Harmful Conduct
You may not use the Services to:
Harass individuals
Threaten individuals
Promote violence
Promote unlawful discrimination
Encourage harmful activities
Misrepresentation
You may not:
Impersonate another person
Misrepresent affiliations
Falsify credentials
Create deceptive accounts
Unauthorized Commercial Exploitation
You may not:
Resell Services without authorization
Redistribute proprietary outputs at scale
Create competing services using proprietary platform outputs
Exploit platform resources in a manner inconsistent with intended use
3. COMMUNITY STANDARDS
Users participating in forums, communities, educational programs, or collaborative environments must:
Engage respectfully
Provide constructive contributions
Avoid harassment
Avoid abusive conduct
Respect intellectual property rights
Respect privacy rights of others
Mercatum Faciunt Limited reserves the right to remove content or suspend participation that violates these standards.
4. ENFORCEMENT
Violations may result in:
Content removal
Warning notices
Temporary suspension
Permanent account termination
Reporting to relevant authorities where required
Mercatum Faciunt Limited retains sole discretion in determining whether conduct violates this Policy.
PART III — AI USAGE & LIMITATIONS POLICY
1. PURPOSE
This Policy governs the use of artificial intelligence systems provided through Axiom and related Services.
Axiom incorporates proprietary predictive intelligence methodologies alongside artificial intelligence technologies to support productivity, planning, analysis, forecasting, and business decision-making.
2. NATURE OF AI OUTPUTS
AI-generated outputs are produced automatically based on:
User instructions
Uploaded materials
Available context
Statistical and predictive models
Artificial intelligence processing systems
Outputs may contain:
Inaccuracies
Incomplete information
Outdated information
Incorrect assumptions
Hallucinated content
Users must independently verify outputs before relying on them.
3. BUSINESS INTELLIGENCE DISCLAIMER
Axiom may provide:
Strategic recommendations
Planning assistance
Productivity guidance
Research support
Business intelligence insights
Predictive intelligence outputs
These outputs are intended solely as informational and decision-support tools.
They do not constitute:
Legal advice
Financial advice
Investment advice
Tax advice
Accounting advice
Medical advice
Professional consulting services
Users remain solely responsible for all business, financial, operational, and strategic decisions.
4. NO GUARANTEE OF RESULTS
Mercatum Faciunt Limited does not guarantee:
Business outcomes
Financial results
Revenue growth
Operational efficiency
Competitive advantage
Forecast accuracy
Market performance
Any examples, projections, predictions, or recommendations are provided for informational purposes only.
Past performance, projections, or predictive outputs do not guarantee future outcomes.
5. USER RESPONSIBILITY
Users are responsible for:
Reviewing outputs
Verifying factual claims
Evaluating recommendations
Assessing risks
Obtaining professional advice where appropriate
Reliance on AI-generated outputs is solely at the user's own risk.
6. PROHIBITED AI USE CASES
Users may not use Axiom or related AI Services to:
Unlawful Activities
Facilitate criminal conduct
Commit fraud
Evade regulations
Conduct illegal surveillance
Harmful Activities
Promote violence
Promote self-harm
Facilitate abuse
Generate malicious content
Deceptive Activities
Create fraudulent identities
Generate deceptive materials
Produce misleading representations
Impersonate individuals without authorization
Automated Decision-Making Affecting Rights
Users should not rely exclusively on AI outputs when making decisions that significantly affect:
Employment
Healthcare
Legal rights
Financial eligibility
Individual liberties
Appropriate human review is required.
7. USER CONTENT AND AI PROCESSING
Users retain ownership of content submitted to the Services.
Users are solely responsible for ensuring they possess all necessary rights and permissions to upload:
Documents
Files
Intellectual property
Proprietary information
Business materials
Users assume full responsibility for content processed through AI systems.
8. THIRD-PARTY AI PROVIDERS
Certain functionality may be provided through third-party artificial intelligence services, including Google and related providers.
Use of such services may be subject to additional provider-specific terms and policies.
Mercatum Faciunt Limited is not responsible for interruptions, limitations, or failures arising from third-party AI providers.
9. LIMITATION OF LIABILITY
To the fullest extent permitted by law:
Mercatum Faciunt Limited shall not be liable for losses arising from:
Reliance on AI outputs
Business decisions
Strategic decisions
Forecasting errors
Predictive intelligence inaccuracies
Data interpretation errors
User misuse of Services
Users assume all risks associated with use of AI-generated outputs.
10. POLICY CHANGES
We may revise this Policy periodically to reflect technological, legal, operational, or business changes.
Continued use of the Services following publication of revisions constitutes acceptance of the updated Policy.
CONTACT INFORMATION
Mercatum Faciunt Limited
A6 Kabusa Gardens Estate
Abuja, Federal Capital Territory
Nigeria
Email: bigthinker@tenexcel.org
Website: tenexcel.org