Terms & Conditions

1. Agreement to Terms

By accessing or using our Website, you agree to be bound by these Terms and all applicable laws and regulations. If you do not agree with any of these Terms, you are prohibited from using or accessing this Website.

We may revise these Terms at any time without notice. By continuing to use the Website after such revisions are made, you agree to be bound by the revised Terms. It is your responsibility to check this page periodically for changes.

2. Intellectual Property Rights

2.1. Content Ownership

Unless otherwise stated, Investment Strategies and/or its licensors own the intellectual property rights for all material on the Website. All intellectual property rights are reserved. You may view and/or print pages from the Website for your own personal use subject to restrictions set in these Terms.

2.2. Restrictions

You must not:

• Republish material from this Website
• Sell, rent, or sub-license material from the Website
• Reproduce, duplicate, or copy material from the Website
• Redistribute content from this Website (unless content is specifically made for redistribution)
• Use the Website's content for commercial purposes without obtaining a license to do so

2.3. User Content

When you submit, post, or display content on or through our Website, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, translate, distribute, and display such content in any media. This license is for the purpose of operating, promoting, and improving our services.

3. Website Use and Conduct

3.1. General Guidelines

You agree to use the Website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Website. Prohibited behavior includes harassing or causing distress or inconvenience to any other user, transmitting obscene or offensive content, or disrupting the normal flow of dialogue within the Website.

3.2. User Accounts

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

You are responsible for safeguarding the password that you use to access the Website 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.

3.3. Prohibited Activities

You agree not to use the Website to:

• Engage in any activity that is illegal or violates the rights of others
• Use the Website in any manner that could disable, overburden, damage, or impair the site
• Use any robot, spider, or other automated device to access the Website
• Introduce any viruses, Trojan horses, worms, logic bombs, or other harmful material
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website
• Attack the Website via a denial-of-service attack or a distributed denial-of-service attack
• Otherwise attempt to interfere with the proper working of the Website

4. Investment Information and Disclaimer

4.1. Educational Content Only

The information provided on this Website is for general informational and educational purposes only. It is not intended to be and does not constitute financial advice, investment advice, trading advice, or any other advice.

4.2. No Investment Recommendations

Nothing on this Website should be interpreted as a recommendation to buy, sell, or hold any particular investment or to engage in any investment strategy. The information is provided "as is" without representation or warranty of any kind.

4.3. Investment Risks

All investments involve risk and may lose value. The value of your investment can go down depending upon market conditions. Fixed income investments are subject to interest rate risk, and their value will decline as interest rates rise. Past performance is not a guarantee of future results.

4.4. Personal Evaluation Required

Before making any investment decisions, you should evaluate your financial situation, investment objectives, risk tolerance, and liquidity needs. You should consult with a qualified financial advisor, tax professional, or attorney regarding your specific investment, financial, legal, and tax situation.

5. Third-Party Links

Our Website may contain links to third-party websites or services that are not owned or controlled by Investment Strategies.

Investment Strategies has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We do not warrant the offerings of any of these entities/individuals or their websites.

You acknowledge and agree that Investment Strategies 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 third-party 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.

6. Limitation of Liability

In no event shall Investment Strategies, nor 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 Website
• Any conduct or content of any third party on the Website
• Any content obtained from the Website
• 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.

7. Disclaimer

Your use of the Website is at your sole risk. The Website is provided on an "AS IS" and "AS AVAILABLE" basis. The Website 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.

Investment Strategies, its subsidiaries, affiliates, and its licensors do not warrant that:

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

8. 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. 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.

9. 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 Website 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 Website.

10. Termination

We may terminate or suspend your access to the Website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

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

11. Contact Us

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