# Terms of Use

_Last Updated: 8th Jan 2025_

Welcome to Neovestor. These Terms of Use ("Terms") govern your access to and use of our website, platform, services, and products (collectively, the "Services"). By accessing, browsing, or using our Services, you agree to comply with and be bound by these Terms, our Privacy Policy, and any additional terms and policies referenced herein. If you do not agree to these Terms, please do not use our Services.

***

#### 1. **Acceptance of Terms**

By using Neovestor’s Services, you agree that you have read, understood, and accepted these Terms, thereby establishing a legal agreement between you and Neovestor. These Terms govern your rights and obligations, so please review them carefully.

***

#### 2. **Eligibility and Restrictions**

* **Minimum Age:** You must be at least 18 years old or of legal age in your jurisdiction to form a binding contract.
* **Prohibited Jurisdictions and Persons:**
  * Neovestor does not offer its investment products or services to U.S. citizens, U.S. residents, or individuals on any U.S. Office of Foreign Assets Control (OFAC)-sanctioned list.
  * Neovestor’s Services are not available to residents of, or those located in, countries subject to comprehensive U.S. sanctions or other jurisdictions where such offerings are legally prohibited.
  * You represent that you are not a citizen, resident, or subject to legislative restrictions of any jurisdiction that would render your use of our Services unlawful.
* **Compliance with Laws:** You agree to comply with all local, state, national, and international laws, regulations, and guidelines applicable to your use of Neovestor’s Services, including those regarding sanctions, export controls, and data privacy.

***

#### 3. **Account Registration and Responsibilities**

* **Account Creation:** Certain features of our Services may require account registration. You agree to provide accurate and complete information during registration and to update it promptly if changes occur.
* **Security:** You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. Notify Neovestor immediately of any unauthorized access or security breach.
* **Account Termination:** Neovestor reserves the right to suspend or terminate your account at any time for violations of these Terms or for any other reason as deemed appropriate by Neovestor.

***

#### 4. **Use of Services**

* **License Grant:** Subject to your compliance with these Terms, Neovestor grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for lawful purposes.
* **Acceptable Use:** You agree not to:
  * Use the Services for illegal, harmful, or fraudulent activities;
  * Violate any applicable laws or third-party rights;
  * Engage in activities that could disrupt or interfere with the Services or its infrastructure;
  * Circumvent, disable, or otherwise interfere with security-related features of the Services;
  * Use automated means to access or collect data from the Services without express permission.
* **Modification of Services:** Neovestor reserves the right to modify, suspend, or discontinue any part of its Services at any time without notice. We will use reasonable efforts to notify users of significant changes.

***

#### 5. **Content, Intellectual Property, and User Submissions**

* **Ownership:** Neovestor and its licensors retain all right, title, and interest in and to the Services, including all intellectual property rights.
* **User Content:** Any content you post, upload, or otherwise submit ("User Content") remains your property. By submitting User Content, you grant Neovestor a worldwide, non-exclusive, royalty-free license to use, display, reproduce, modify, distribute, and sublicense such content as necessary to operate and promote the Services.
* **Content Standards:** You represent and warrant that your User Content does not violate any rights of third parties or applicable laws, is not defamatory, and does not contain harmful or malicious code.

***

#### 6. **Third-Party Links and Services**

The Services may include links to third-party websites, applications, and services that are not controlled by Neovestor. Neovestor is not responsible for the content, accuracy, privacy policies, or practices of any third parties. Use such links at your own risk, and review the applicable third-party terms and policies before using their services.

***

#### 7. **Investment Disclaimer**

* **No Offer or Advice:** Neovestor does not provide investment, legal, financial, or tax advice. The information provided on our platform is for informational purposes only.
* **Risk Acknowledgment:** Investing in assets involves risks, including the loss of principal. Past performance is not a guarantee of future results. You should conduct your own research and seek professional advice tailored to your circumstances.
* **No Guarantees:** Neovestor makes no guarantees regarding investment returns, profit, or the avoidance of losses. All investments carry inherent risks which you acknowledge and accept.

***

#### 8. **Fees and Payments**

* **Service Fees:** Access to certain features or services on Neovestor may require payment of fees. All applicable fees will be clearly outlined before you agree to make a payment.
* **Payment Processing:** Payments will be processed through approved third-party payment processors. You agree to abide by their terms, as well as any additional terms specified by Neovestor.
* **Refund Policy:** Unless otherwise stated, fees paid to Neovestor are non-refundable.

***

#### 9. **Privacy and Data Protection**

Your privacy is important to us. Our collection, use, and sharing of personal data are governed by our Privacy Policy. By using our Services, you consent to the practices described in our Privacy Policy, including the transfer of data to jurisdictions outside your own, where applicable.

***

#### 10. **Security Measures**

Neovestor employs industry-standard security protocols to protect user data and maintain the integrity of the Services. However, no system can be completely secure. You acknowledge that use of the internet or our Services is at your own risk.

***

#### 11. **Disclaimers of Warranties**

* **As-Is Basis:** The Services are provided "as is" and "as available" without any warranties, express or implied. This includes, but is not limited to, warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy.
* **No Guarantees:** Neovestor does not warrant that the Services will be uninterrupted, error-free, or free of viruses or other harmful components.

***

#### 12. **Limitation of Liability**

To the fullest extent permitted by applicable law:

* **Indirect Damages:** Neovestor shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, including loss of profits, goodwill, data, or other intangible losses, arising from your use or inability to use the Services, even if advised of the possibility of such damages.
* **Total Liability Cap:** Neovestor’s aggregate liability in connection with your use of the Services or these Terms shall not exceed the greater of the amount you paid Neovestor for access to the Services over the past twelve (12) months or $100.

***

#### 13. **Indemnification**

You agree to indemnify, defend, and hold harmless Neovestor, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorney fees, arising out of or in any way connected with:

* Your access to or use of the Services,
* Your violation of these Terms,
* Your infringement of any third-party rights or violation of any law.

***

#### 14. **Termination**

* **Termination by User:** You may stop using the Services at any time. However, termination of your account does not affect any accrued rights or obligations.
* **Termination by Neovestor:** Neovestor reserves the right to suspend or terminate your access to the Services, in whole or in part, at any time, without notice, for conduct that violates these Terms or for any other reason deemed necessary to protect the interests of Neovestor or its users.

***

#### 15. **Governing Law and Dispute Resolution**

* **Governing Law:** These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Neovestor is incorporated, without regard to its conflict of law principles.
* **Dispute Resolution:** Any disputes arising under or in connection with these Terms or the Services shall be resolved through binding arbitration in the jurisdiction determined by Neovestor, except that either party may seek injunctive or equitable relief in a court of competent jurisdiction for breaches that cannot be effectively remedied by arbitration.

***

#### 16. **Changes to Terms**

Neovestor reserves the right to modify or update these Terms at any time. Significant changes will be communicated to users via email or by posting a notice on our platform. Your continued use of our Services after such changes constitutes your acceptance of the new Terms.

***

#### 17. **Severability**

If any provision of these Terms is found to be unenforceable or invalid under any applicable law, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

***

#### 18. **Entire Agreement**

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Neovestor regarding your use of the Services and supersede all prior agreements, understandings, or representations.

***

**By using Neovestor’s platform and Services, you acknowledge that you have read, understood, and agree to abide by these Terms of Use.**
