Terms and Conditions

Last Updated: May 1, 2024

1. Introduction

Welcome to InvestWisely ('Company', 'we', 'our', 'us'). These Terms and Conditions ('Terms', 'Terms and Conditions') govern your use of our website located at investwisely.com (the 'Service') and any related services, features, content, or applications offered by InvestWisely.

By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the Terms, you may not access the Service.

2. Definitions

For the purposes of these Terms and Conditions:

• 'Content' refers to all information, text, graphics, photos, videos, software, and other materials that appear on or are available through the Service.
• 'User' or 'you' refers to the individual accessing or using the Service, or the company or legal entity on behalf of which such individual is accessing or using the Service.
• 'Website' refers to InvestWisely, accessible from investwisely.com.
• 'Service' refers to the Website and all content, services, and products available through the Website.

3. Intellectual Property

The Service and its original content (excluding Content provided by users), features, and functionality are and will remain the exclusive property of InvestWisely and its licensors. The Service is protected by copyright, trademark, and other laws of both the United Kingdom and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of InvestWisely.

4. User Accounts

4.1 Account Creation

When you create an account with us, you must provide accurate, complete, and current information at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account.

4.2 Account Responsibilities

You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password. You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

4.3 Account Termination

We reserve the right to terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Service will immediately cease.

5. User Content

5.1 Content Submission

Our Service may allow you to post, link, store, share and otherwise make available certain information, text, graphics, videos, or other material ('User Content'). You are responsible for the User Content that you post to the Service, including its legality, reliability, and appropriateness.

5.2 Rights to User Content

By posting User Content to the Service, you grant us the right and license to use, modify, publicly perform, publicly display, reproduce, and distribute such content on and through the Service. You retain any and all of your rights to any User Content you submit, post, or display on or through the Service and you are responsible for protecting those rights.

5.3 Content Restrictions

You agree that you will not post or transmit any User Content that:

• Is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable
• Infringes on any proprietary rights, including intellectual property rights, privacy rights, or rights of publicity
• Contains software viruses or any other computer code designed to interrupt, destroy, or limit the functionality of any computer software or hardware
• Constitutes unauthorized or unsolicited advertising, promotional materials, spam, or any other form of solicitation
• Impersonates any person or entity, including any of our employees or representatives

5.4 Content Monitoring

We reserve the right, but not the obligation, to monitor, edit, or remove any User Content. InvestWisely does not endorse any User Content submitted to the Service by any user or other third party.

6. Financial Information Disclaimer

6.1 Educational Purpose Only

The financial and investment information provided through our Service is for educational and informational purposes only. It is not intended to be and does not constitute financial advice, investment advice, trading advice, or any other advice.

6.2 Not Personalized Advice

The information provided on our Website is general in nature and is not tailored to your specific circumstances or needs. Before making any investment decision, you should conduct your own research and consult with a qualified financial advisor.

6.3 No Guarantee of Results

InvestWisely does not guarantee any specific results from the use of our Service or the information provided on our Website. Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal.

6.4 Third-Party Information

Our Service may include information from third-party sources that we consider reliable. However, we do not guarantee the accuracy, completeness, or reliability of any third-party information.

7. Links to Other Websites

Our Service may contain links to third-party websites or services that are not owned or controlled by InvestWisely. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that InvestWisely shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

8. Prohibited Uses

You may use our Service only for lawful purposes and in accordance with these Terms. You agree not to use the Service:

• In any way that violates any applicable national or international law or regulation
• To exploit or harm, or attempt to exploit or harm, minors in any way
• To transmit, or procure the sending of, any advertising or promotional material, including any 'junk mail', 'chain letter', 'spam', or any other similar solicitation
• To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity
• To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Service, or which, as determined by us, may harm the Company or users of the Service or expose them to liability

Additionally, you agree not to:

• Use the Service in any manner that could disable, overburden, damage, or impair the Service or interfere with any other party's use of the Service
• Use any robot, spider, or other automatic device, process, or means to access the Service for any purpose, including monitoring or copying any of the material on the Service
• Use any manual process to monitor or copy any of the material on the Service or for any other unauthorized purpose
• Use any device, software, or routine that interferes with the proper working of the Service
• Introduce any viruses, Trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Service, the server on which the Service is stored, or any server, computer, or database connected to the Service
• Attack the Service via a denial-of-service attack or a distributed denial-of-service attack
• Otherwise attempt to interfere with the proper working of the Service

9. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall InvestWisely, its directors, employees, partners, agents, suppliers, or affiliates 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 Service
• Any conduct or content of any third party on the Service
• Any content obtained from the Service
• 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, and even if a remedy set forth herein is found to have failed of its essential purpose.

10. Disclaimer

Your use of the Service is at your sole risk. The Service is provided on an 'AS IS' and 'AS AVAILABLE' basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.

InvestWisely, its subsidiaries, affiliates, and its licensors do not warrant that:

• The Service will function uninterrupted, secure, or available at any particular time or location
• Any errors or defects will be corrected
• The Service is free of viruses or other harmful components
• The results of using the Service will meet your requirements

11. Indemnification

You agree to defend, indemnify, and hold harmless InvestWisely, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Service.

12. Governing Law

These Terms shall be governed and construed in accordance with the laws of the United Kingdom, 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.

13. 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 try to 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 Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

14. Severability

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.

15. Entire Agreement

These Terms constitute the entire agreement between you and InvestWisely regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.

16. Contact Information