Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User", "you") and Investment Platform ("we", "us", "our"). These Terms govern your access to and use of our investment services, website, and mobile applications (collectively, the "Services").

2. Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Reside in a jurisdiction where our Services are legally available
• Not be prohibited by law from using financial services
• Not be on any restricted lists (e.g., OFAC sanctions lists)

We reserve the right to refuse service to anyone for any reason at our discretion.

3. Account Registration

To access certain features, you must register for an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your account credentials
• Accept responsibility for all activities that occur under your account
• Immediately notify us of any unauthorized use of your account

We may require identity verification and may reject or suspend accounts that provide false information.

4. Investment Services

4.1 Nature of Services

Our Platform provides tools for investing in various financial instruments. We are not a broker-dealer or investment advisor. All investment decisions are made by you at your own risk.

4.2 Investment Risks

You acknowledge that:

• All investments carry risk of loss
• Past performance does not guarantee future results
• We do not guarantee any specific investment returns
• You are solely responsible for your investment decisions

4.3 Fees and Charges

Our fee structure is detailed in our Fee Schedule. We reserve the right to modify fees with 30 days' notice.

5. User Conduct

You agree not to:

• Use the Services for any illegal purpose
• Violate any securities laws or regulations
• Engage in market manipulation or fraudulent activities
• Attempt to gain unauthorized access to our systems
• Interfere with other users' enjoyment of the Services
• Use automated systems (bots, scrapers) without our permission
• Circumvent any security measures

6. Intellectual Property

All content on the Platform, including text, graphics, logos, and software, is our property or licensed to us and protected by intellectual property laws. You may not:

• Reproduce, modify, or distribute our content without permission
• Use our trademarks without written consent
• Reverse engineer or decompile any software

You retain ownership of any content you submit, but grant us a license to use it for providing the Services.

7. Termination

We may suspend or terminate your account at any time for:

• Violation of these Terms
• Suspected fraudulent activity
• Legal or regulatory requirements

You may terminate your account at any time by contacting us. Termination does not affect any rights or obligations that accrued prior.

8. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

• The Services will be uninterrupted or error-free
• Results from using the Services will be accurate or reliable
• Any errors will be corrected

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, or consequential damages
• Loss of profits, data, or investment capital
• Damages resulting from unauthorized account access
• Events beyond our reasonable control

Our total liability for any claims related to the Services shall not exceed the fees you paid us in the past 12 months.

10. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses (including attorneys' fees) arising from:

• Your use of the Services
• Your violation of these Terms
• Your violation of any laws or third-party rights

11. Dispute Resolution

Any disputes shall be resolved as follows:

1. Negotiation: Parties will attempt to resolve disputes informally for 30 days
2. Mediation: If unresolved, parties will attempt mediation
3. Arbitration: If mediation fails, disputes will be resolved by binding arbitration under [Arbitration Organization] rules

Arbitration will occur in [Jurisdiction] and be conducted in English. Each party bears its own costs.

12. Governing Law

These Terms shall be governed by the laws of [Jurisdiction], without regard to conflict of law principles.

13. Changes to Terms

We may modify these Terms at any time. We will notify you of material changes via email or platform notification. Your continued use after changes constitutes acceptance.

14. General Provisions

• Entire Agreement: These Terms constitute the entire agreement between you and us
• Severability: If any provision is invalid, the remainder remains in effect
• No Waiver: Our failure to enforce any right does not waive that right
• Assignment: You may not transfer your rights under these Terms without our consent

15. Contact Information

For questions about these Terms, please contact us:

• By email: legal@investmentplatform.com
• By mail: Legal Department, Investment Platform, 123 Financial District, Suite 100, New York, NY 10001
• By phone: +1 (555) 987-6543