Terms & Conditions

1. Acceptance of Terms

By accessing or using the InvestWise website, products, or services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy, which is incorporated by reference.

If you are using our services on behalf of a company, organization, or other entity, you represent and warrant that you have the authority to bind that entity to these Terms, and the terms "you" and "your" will refer to that entity.

We reserve the right to modify these Terms at any time. Your continued use of our services after such modifications constitutes your acceptance of the updated Terms.

2. Definitions

Throughout these Terms, the following definitions apply:

• "InvestWise," "we," "us," or "our" refers to InvestWise, its subsidiaries, affiliates, and its officers, directors, employees, and agents.
• "Services" refers to all products, content, features, applications, or other offerings provided by InvestWise.
• "User," "you," or "your" refers to any individual or entity that accesses or uses the Website or Services.
• "Content" refers to any information, data, text, images, videos, audio files, or other materials displayed on or available through the Website or Services.
• "User Content" refers to any content that users submit, post, or display on the Website.

3. Account Registration

Account Creation

To access certain features of our Services, you may need to create an account. When you create an account, you agree to provide accurate, current, and complete information about yourself and to update this information to keep it accurate, current, and complete.

Account Security

You are responsible for maintaining the confidentiality of your account credentials, including your username and password. You agree to notify us immediately of any unauthorized access to or use of your account. We reserve the right to suspend or terminate your account if we suspect unauthorized or fraudulent use.

Account Eligibility

By creating an account, you represent and warrant that:

• You are at least 18 years old
• You have the legal capacity to enter into these Terms
• You are not prohibited from using our Services under applicable laws
• You will use our Services only for lawful purposes

One Person, One Account

You may not create multiple accounts or allow others to use your account. Each account must be associated with a unique individual.

4. Purchases and Payments

Pricing and Availability

All prices displayed on our Website are in US dollars unless otherwise specified. We reserve the right to change prices and availability of our products at any time without notice. The availability of products on our Website does not imply or warrant that these products will be available at all times.

Payment Terms

When you make a purchase, you agree to provide a valid payment method. You authorize us to charge your payment method for all purchases you make. You are responsible for all charges incurred under your account.

Subscription Services

Some of our Services may be offered on a subscription basis with recurring payments. By signing up for a subscription, you authorize us to charge your payment method on a recurring basis until you cancel. You can cancel your subscription at any time by logging into your account or contacting us. Cancellations will take effect at the end of your current billing period.

Taxes

You are responsible for paying all taxes associated with your purchases. Prices displayed may not include sales tax, which will be added to your order when applicable.

Order Acceptance

Your receipt of an order confirmation does not constitute our acceptance of your order. We reserve the right to accept or decline your order for any reason, including if a product is mispriced or out of stock.

Digital Products

For digital products, upon completion of your purchase, you will receive access to download or view the content. Due to the nature of digital products, all sales are final, and no refunds will be issued except as specified in our Refund Policy.

5. User Content

Ownership and License

You retain ownership of any User Content that you submit to our Website. By submitting User Content, you grant InvestWise a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User Content in any media for any purpose.

Content Restrictions

You agree not to submit User Content that:

• Is false, misleading, or deceptive
• Infringes on any third party's intellectual property rights
• Violates any law, regulation, or contractual obligation
• Contains viruses, malware, or other harmful code
• Is offensive, abusive, threatening, defamatory, or harassing
• Promotes illegal activities or discrimination
• Impersonates any person or entity
• Contains personal or sensitive information about others without their consent

Content Monitoring

We reserve the right, but have no obligation, to monitor, edit, or remove any User Content that we determine, in our sole discretion, violates these Terms or is otherwise objectionable. We are not responsible for User Content and do not endorse any opinions expressed in User Content.

Feedback

If you provide us with any feedback or suggestions regarding our Website or Services, you grant us the right to use such feedback for any purpose without compensation or attribution to you.

6. Intellectual Property

InvestWise Content

All content on our Website, including text, graphics, logos, icons, images, audio clips, video, data, and software, is owned by InvestWise or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, distribute, modify, or create derivative works of such content without our explicit permission.

License to Use Website

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Website for personal, non-commercial purposes. This license does not include:

• Modifying or copying the materials
• Using the materials for any commercial purpose
• Attempting to decompile or reverse engineer any software contained on the Website
• Removing any copyright or other proprietary notations
• Transferring the materials to another person

Digital Products License

When you purchase a digital product, you are granted a limited, non-exclusive, non-transferable license to access and use the product for your personal, non-commercial use. You may not share, distribute, or resell any digital products purchased from our Website.

Trademarks

The InvestWise name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of InvestWise or our affiliates. You may not use these marks without our prior written permission.

Copyright Complaints

If you believe that any content on our Website infringes your copyright, please notify us by providing the following information:

• A physical or electronic signature of the copyright owner or authorized representative
• Identification of the copyrighted work claimed to have been infringed
• Identification of the material that is claimed to be infringing
• Contact information, including address, telephone number, and email
• A statement that you have a good faith belief that the use is not authorized
• A statement that the information is accurate and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner

7. Prohibited Conduct

You agree not to engage in any of the following activities:

• Violating any applicable law, regulation, or these Terms
• Impersonating any person or entity or falsely stating your affiliation with a person or entity
• Interfering with or disrupting the Website or servers or networks connected to the Website
• Attempting to gain unauthorized access to any portion of the Website or any other systems or networks connected to the Website
• Using any robot, spider, scraper, or other automated means to access the Website for any purpose
• Bypassing or circumventing measures designed to prevent or limit access to any content, area, or feature of the Website
• Harvesting or collecting personal information about other users without their consent
• Engaging in any activity that interferes with another user's enjoyment of the Website
• Using the Website or Services to develop a competing product
• Engaging in any fraudulent, deceptive, or manipulative activity
• Transmitting any viruses, worms, defects, Trojan horses, or other items of a destructive nature

We reserve the right to investigate and take appropriate legal action against anyone who, in our sole discretion, violates this provision, including removing the offending content, suspending or terminating the account of such violators, and reporting them to law enforcement authorities.

8. Disclaimers

No Investment Advice

Our Website and Services provide educational content about investing and financial markets. This content is for informational purposes only and should not be construed as investment advice, financial advice, or a recommendation to buy or sell any security or investment product. Always consult with a qualified financial professional before making investment decisions.

Past Performance

Past performance is not indicative of future results. The value of investments and the income derived from them can go down as well as up, and you may not get back the full amount invested.

Educational Resources

Our educational resources are designed to provide general information and are not tailored to any individual's specific circumstances. We make no warranties about the accuracy, completeness, timeliness, or reliability of the information provided.

Third-Party Content

Our Website may contain links to third-party websites or content. We do not endorse, control, or assume responsibility for any third-party content or websites. Accessing such third-party content is at your own risk.

Warranty Disclaimer

THE WEBSITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

INVESTWISE DOES NOT WARRANT THAT: (A) THE WEBSITE OR SERVICES WILL FUNCTION UNINTERRUPTED, SECURE, OR AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; (B) ANY ERRORS OR DEFECTS WILL BE CORRECTED; (C) THE WEBSITE OR SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR (D) THE RESULTS OF USING THE WEBSITE OR SERVICES WILL MEET YOUR REQUIREMENTS.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL INVESTWISE, ITS DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

1. YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE WEBSITE OR SERVICES;
2. ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE WEBSITE;
3. ANY CONTENT OBTAINED FROM THE WEBSITE; AND
4. UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT,

WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY, OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

IN JURISDICTIONS WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES IS NOT ALLOWED, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US FOR THE SERVICES DURING THE PERIOD OF 12 MONTHS PRIOR TO ANY CAUSE OF ACTION ARISING.

10. Indemnification

You agree to defend, indemnify, and hold harmless InvestWise, its officers, directors, employees, and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from:

1. Your use of and access to the Website or Services;
2. Your violation of any term of these Terms;
3. Your violation of any third-party right, including without limitation any copyright, property, or privacy right; or
4. Any claim that your User Content caused damage to a third party.

This defense and indemnification obligation will survive these Terms and your use of the Website or Services.

11. Termination

Termination by You

You may terminate your account at any time by contacting us or using the account deletion feature if available. Termination will not relieve you of any obligations incurred prior to termination.

Termination by Us

We may terminate or suspend your account and access to the Website or Services immediately, without prior notice or liability, for any reason, including, without limitation, if you breach these Terms. Upon termination, your right to use the Website and Services will immediately cease.

Effects of Termination

Upon termination:

• Your access to the Website and Services will be discontinued
• We may delete your account information and User Content
• You may lose access to any purchased digital products (unless otherwise specified)
• All licenses granted to you will terminate

Survival

All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

12. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Website or Services after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Website or Services.

It is your responsibility to review these Terms periodically for changes. We recommend checking this page for updates whenever you access our Website.

13. Governing Law

These Terms shall be governed and construed in accordance with the laws of the United States and the State of Delaware, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

Dispute Resolution

Any dispute arising out of or relating to these Terms, or the breach thereof, shall be settled by arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules. The arbitration shall be conducted in Delaware, United States, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

Class Action Waiver

Any proceedings to resolve or litigate any dispute in any forum will be conducted solely on an individual basis. Neither you nor we will seek to have any dispute heard as a class action or in any other proceeding in which either party acts or proposes to act in a representative capacity.

Time Limitation

You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of our Website or Services or these Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred.

14. Contact Information

If you have any questions about these Terms, please contact us: