1. Introduction and acceptance
These Terms of Service ("Terms") govern your access to and use of the Investment Courses website, dashboards, educational materials, calculators and related services (together, the "Services"). Investment Courses is operated by Investment Courses ("we", "us", "our"), with a registered address at High Holborn 12, BS1 5LJ Bristol, United Kingdom. By creating an account or using the Services, you confirm that you have read, understood and agreed to these Terms. If you do not agree, you must not use the Services.
2. Definitions
"User" or "you" means any person who accesses the Services. "Account" means the registered profile you create to use the Services. "Content" means all text, charts, data, software, videos and other materials made available through the Services. "Digital assets" means cryptographic tokens and similar assets, including Bitcoin and Ethereum, referred to within the Services.
3. Eligibility
You may use the Services only if you are at least 18 years old, have the legal capacity to enter into a binding contract, and are not prohibited from doing so under the laws of your country of residence or any applicable sanctions regime. We may request reasonable evidence of age or identity at any time. If you access the Services from outside the United Kingdom, you are responsible for ensuring that your use complies with local laws.
4. Account registration and security
You must provide accurate, current and complete information when creating an Account and keep it updated. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your Account. You must notify us without undue delay if you suspect unauthorised access. We are not liable for losses arising from your failure to protect your credentials.
5. Nature of the Services
The Services provide educational content, market information, dashboards and illustrative tools. Any monitoring, analytics or automated features are provided for information only. Nothing in the Services constitutes personal investment advice, a personal recommendation, a solicitation to buy or sell any asset, or legal, tax or accounting advice. We do not act as your financial adviser, broker, custodian or fund manager unless we have expressly agreed otherwise in writing and any required authorisation is in place.
6. No guarantee of returns
Calculators, projections, scenarios and historical charts shown on the Services are hypothetical. They do not guarantee any profit, income or outcome. Past performance is not a reliable indicator of future results. You acknowledge that the value of digital assets can fall as well as rise and that you may lose some or all of the capital you commit.
7. Fees and payments
Certain features may require payment. Where fees apply, we will show them before you confirm a purchase. Unless stated otherwise, fees are quoted in pounds sterling or the currency displayed at checkout, are inclusive of any applicable taxes shown, and are non-refundable except where required by law. You are responsible for any charges imposed by your bank, card provider or payment network.
8. Acceptable use
You agree not to misuse the Services. In particular, you must not attempt to gain unauthorised access to any system, interfere with the operation of the Services, scrape or copy Content at scale, reverse engineer our software, use the Services to breach any law, or provide false information. We may investigate suspected breaches and cooperate with law enforcement authorities.
9. Intellectual property
All Content, trademarks, logos and software associated with Investment Courses are owned by us or our licensors and are protected by intellectual property laws. We grant you a limited, personal, non-exclusive, non-transferable and revocable licence to access and view the Services for your own non-commercial use. No other rights are granted.
10. Third-party services
The Services may link to or rely on third-party websites, data providers, exchanges and payment processors. We do not control and are not responsible for their content, availability or practices. Your dealings with any third party are governed by that party's own terms.
11. Limitation of liability
To the fullest extent permitted by law, we exclude liability for any loss of profit, loss of capital, loss of data, indirect or consequential loss, and losses arising from market movements or your investment decisions. Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded under English law. Our aggregate liability to you for claims relating to the Services is limited to the fees you paid to us in the twelve months preceding the claim.
12. Indemnity
You agree to indemnify and hold us harmless from any claims, losses or expenses arising from your breach of these Terms or your misuse of the Services.
13. Suspension and termination
We may suspend or terminate your access to the Services, with or without notice, if we reasonably believe you have breached these Terms, pose a security risk, or are required to do so by law. You may close your Account at any time by contacting us. Clauses that by their nature should survive termination will continue to apply.
14. Changes to these Terms
We may amend these Terms from time to time. We will publish the updated version on this page and revise the "Last updated" date. Where a change is material, we will provide reasonable notice. Your continued use of the Services after the effective date constitutes acceptance of the revised Terms.
15. Governing law and disputes
These Terms are governed by the laws of England and Wales. The courts of England and Wales have non-exclusive jurisdiction, although you may also bring proceedings in the courts of your place of residence where mandatory consumer protection rules so provide. Before starting formal proceedings, we encourage you to contact us so that we can try to resolve the matter informally.
16. Contact
For questions about these Terms, write to us at High Holborn 12, BS1 5LJ Bristol, GB, or email [email protected].