Terms and Conditions
Last Updated: June 15, 2024
1. Introduction
Welcome to InvestWise ("we," "us," or "our"). These Terms and Conditions ("Terms") govern your use of the InvestWise website located at investwise.com (the "Website") and all related services, features, content, applications, and products we offer (collectively with the Website, the "Services").
InvestWise is registered as an investment advisory firm, and our registration number is 18213710.
2. Acceptance of Terms
By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree to these Terms, please do not access or use our Services.
You represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. If you are accessing or 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.
3. Services
InvestWise provides investment planning, financial guidance, and educational content related to investment strategies, cryptocurrency, retirement planning, and other financial topics. Our core services include:
- Investment portfolio analysis
- Cryptocurrency advisory services
- Retirement planning
- Market insights and research
- Tax-efficient investing strategies
- Financial education and workshops
3.1 Service Limitations
We strive to provide accurate, up-to-date information and services. However, financial markets are complex and volatile, and all investments carry risk. The information we provide is for general informational and educational purposes only and should not be considered personalized investment advice unless explicitly stated in a formal client agreement.
3.2 Service Eligibility
Our services are generally available to individuals who are at least 18 years old. Certain services may have additional eligibility requirements, which will be disclosed before you engage with those specific services.
3.3 Service Modifications
We reserve the right to modify, suspend, or discontinue any part of our Services at any time without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of our Services.
4. User Accounts
Some features of our Services may require you to create an account. When you create an account, you agree to provide accurate, current, and complete information and to update such information to keep it accurate, current, and complete.
4.1 Account Security
You are responsible for safeguarding your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized access to or use of your account. We cannot and will not be liable for any loss or damage arising from your failure to comply with these requirements.
4.2 Communication Preferences
By creating an account, you consent to receive communications from us related to your account and our Services. You may opt out of receiving marketing communications, but we reserve the right to continue sending you service-related communications.
5. Content and Intellectual Property
Our Services contain content owned, operated, licensed, or controlled by InvestWise, including text, graphics, software, photographs, videos, and other material ("Content"). This Content is protected by copyright, trademark, patent, trade secret, and other intellectual property laws.
5.1 License to Use Content
We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Content for your personal, non-commercial use in connection with our Services. You may not:
- Reproduce, distribute, publicly display, or publicly perform the Content
- Modify or create derivative works of the Content
- Use the Content for any commercial purpose
- Attempt to decompile or reverse engineer any software contained in our Services
- Remove any copyright or other proprietary notations from the Content
- Transfer the Content to another person or "mirror" the Content on any other server
5.2 User Content
If you submit content to our Services, such as comments, feedback, or testimonials ("User Content"), you grant us a worldwide, perpetual, irrevocable, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, create derivative works of, display, and perform the User Content in connection with our Services and our business operations.
You represent and warrant that your User Content does not violate any third-party rights, including intellectual property rights and privacy rights, and complies with these Terms and all applicable laws.
6. Disclaimer and Risk Warning
General Disclaimer: THE SERVICES AND CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.
6.1 Investment Risk Warning
Investing involves risk, including the possible loss of principal. Past performance is not a guarantee of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for an investor's portfolio.
The content on our Website is not intended as a recommendation to buy or sell any security or investment product, nor does it constitute an offer to sell or a solicitation of an offer to buy any security or investment product.
6.2 Cryptocurrency Risk Warning
Cryptocurrency investments are subject to high market risk. The cryptocurrency market is volatile and can change rapidly. The value of cryptocurrencies can fluctuate substantially and may be affected by numerous factors, including market trends, regulatory actions, technical developments, and economic events.
Before investing in cryptocurrencies, carefully consider your investment objectives, level of experience, and risk appetite. You should be aware that you could lose some or all of your investment.
6.3 No Professional Advice
The information provided through our Services is not intended to be a substitute for professional financial, legal, or tax advice. You should consult with qualified professionals before making any investment or financial decisions based on information from our Services.
7. Third-Party Websites and Services
Our Services may contain links to third-party websites, services, or resources that are not owned or controlled by InvestWise. We do not endorse or assume any responsibility for any such third-party sites, information, materials, products, or services.
If you access any third-party website, service, or content from our Services, you do so at your own risk and you agree that InvestWise will not be responsible or liable for any loss or damage caused by your use of or reliance on any third-party website, service, or content.
8. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, INVESTWISE AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:
- YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES;
- ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICES;
- ANY CONTENT OBTAINED FROM THE SERVICES; AND
- UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT,
WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING OR USING OUR SERVICES DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE LIABILITY.
9. Indemnification
You agree to defend, indemnify, and hold harmless InvestWise and its directors, officers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses, including reasonable attorneys' fees, arising out of or in any way connected with:
- Your access to or use of our Services;
- Your violation of these Terms;
- Your violation of any rights of another; or
- Your User Content.
10. Termination
We may terminate or suspend your access to all or part of our Services, with or without notice, for any conduct that we, in our sole discretion, believe violates these Terms, is harmful to other users of our Services or third parties, or for any other reason.
Upon termination, your right to use the Services will immediately cease, but all provisions of these Terms that by their nature should survive termination shall survive, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
11. Governing Law
These Terms and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada, without regard to its conflict of law provisions.
Any disputes arising under or related to these Terms shall be resolved exclusively in the federal or provincial courts located in Ontario, Canada, and you hereby consent to the personal jurisdiction of such courts.
12. Changes to Terms
We reserve the right to modify or replace these Terms at any time in our sole discretion. The most current version of these Terms will be posted on our Website with the "Last Updated" date at the top of the Terms. We will provide notice of any material changes through a notice on our Website or, if you have an account, via email to the email address associated with your account.
Your continued use of our Services after any such changes constitutes your acceptance of the new Terms. If you do not agree to the new Terms, you must stop using our Services.