Terms of Service

By accessing and using the FinEcon Analytics website (the "Site") and services (collectively, "Services"), you agree to be bound by these Terms of Service. If you do not agree to these terms, you may not use the Site or access any Services. FinEcon Analytics Ltd ("Company," "we," "us," or "our") operates the Site and provides the Services described herein.

You must be at least 18 years of age to use this Site and Services. By using the Site, you represent and warrant that you are at least 18 years of age and possess the legal authority to enter into this agreement. If you are under 18, you may not use the Site or Services.

These Terms constitute the entire agreement between you and FinEcon Analytics regarding your use of the Site and Services and supersede all prior agreements, negotiations, and discussions. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

FinEcon Analytics provides financial analysis, economic research, market commentary, and chart interpretation services. Our Services include written analysis, data visualization, research reports, market trend analysis, and educational content regarding financial markets and economic indicators. We also offer a newsletter subscription service providing regular market updates and economic insights.

All Services are provided for informational and educational purposes only. The content delivered through our Services is not intended to constitute investment advice, financial advice, legal advice, or any recommendation to buy or sell securities. Our analysis and commentary represent our interpretations and opinions based on available data and should not be relied upon as the sole basis for any investment decision.

We reserve the right to modify, suspend, or discontinue Services at any time, with or without notice. We also reserve the right to limit access to certain features or content based on geographic location, user history, or other factors at our sole discretion. Changes to the scope of Services will be communicated through email notification to registered users where feasible.

You agree to use the Site and Services only for lawful purposes and in a manner consistent with these Terms. Specifically, you agree not to:

• Engage in any activity that violates applicable laws, regulations, or industry standards
• Reproduce, duplicate, copy, or resell any content, reports, or analysis provided through the Services without explicit written permission
• Attempt to gain unauthorized access to the Site, its systems, or user accounts through hacking, password guessing, or other means
• Use automated tools, bots, scrapers, or similar technology to access, monitor, or extract data from the Site without authorization
• Impersonate any person or entity or misrepresent your identity or affiliation with any person or organization
• Transmit any viruses, malware, or other harmful code that could compromise the Site's functionality or security
• Engage in harassment, threatening behavior, or abusive conduct toward other users or Company staff
• Manipulate or interfere with the normal operation of the Site or Services
• Use the Services for any illegal activity or in violation of any applicable laws

You are responsible for maintaining the confidentiality of any account credentials or access information you are provided. You are also responsible for all activity that occurs under your account. You agree to notify us immediately of any unauthorized use of your account.

All content on the Site, including but not limited to text, graphics, logos, images, charts, data compilations, research reports, analysis, layouts, and code, is the exclusive property of FinEcon Analytics Ltd or its content suppliers and is protected by international copyright and intellectual property laws. The compilation and selection of all materials on the Site represent the original works of FinEcon Analytics.

You are granted a limited, non-exclusive, non-transferable license to access and view the content on the Site for personal, non-commercial use only. This license does not include the right to download (other than page caching), modify, republish, transmit, participate in the transfer or sale of, or create derivative works from any content on the Site.

You may not use any content from the Site for commercial purposes, including selling, licensing, or distributing analysis or reports to third parties. You may not remove, obscure, or alter any copyright notices, proprietary marks, or other legal notices displayed on the Site. Violation of these intellectual property rights will result in immediate termination of your access and may subject you to legal liability.

Any feedback, comments, suggestions, or other submissions you provide regarding the Site or Services become the exclusive property of FinEcon Analytics and may be used without compensation or attribution to you.

Disclaimer of Warranties: The Site and Services are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. FinEcon Analytics expressly disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy of information.

FinEcon Analytics does not warrant that the Site or Services will be uninterrupted, error-free, or free from viruses or harmful components. We do not guarantee the accuracy, completeness, timeliness, or reliability of any content, data, or analysis provided through the Services. Market data, economic indicators, and forecasts may be delayed, subject to correction, or superseded by updated information.

Investment Disclaimer: Nothing in the Services constitutes an offer to sell or a solicitation to buy any security or financial instrument. Our analysis and commentary are provided for informational purposes only and do not constitute investment advice, financial advice, or a recommendation to buy or sell any particular security. Past performance does not guarantee future results. All investments carry risk, including potential loss of principal.

You are solely responsible for making your own independent assessment of any investment opportunity and for consulting with qualified financial, legal, and tax advisors before making any investment decisions. Your use of the Services does not create an advisor-client relationship between you and FinEcon Analytics.

In no event shall FinEcon Analytics, its directors, officers, employees, agents, or affiliates be liable for any indirect, incidental, consequential, special, or punitive damages, including but not limited to loss of profits, loss of revenue, loss of data, loss of business opportunity, or loss of goodwill, even if advised of the possibility of such damages.

Your sole and exclusive remedy for any dispute with FinEcon Analytics shall be to cease using the Site and Services. To the maximum extent permitted by law, the total liability of FinEcon Analytics for any claim arising from or relating to the Site or Services shall not exceed the amount you paid to FinEcon Analytics in the 12 months preceding the claim, or £100, whichever is greater.

These limitations apply regardless of the legal theory upon which the claim is based, whether in contract, tort, negligence, strict liability, or otherwise. If applicable law does not permit the exclusion or limitation of certain damages, the foregoing limitations shall apply to the maximum extent permitted by law.

You agree to defend, indemnify, and hold harmless FinEcon Analytics Ltd, its directors, officers, employees, agents, and affiliates from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees and court costs) arising from or related to:

• Your use of the Site or Services
• Your breach of these Terms of Service
• Your violation of any applicable laws or regulations
• Your violation of the rights of any third party
• Any investment decisions you make based on information or analysis obtained from the Services
• Your infringement or misappropriation of any intellectual property rights

You will cooperate fully with FinEcon Analytics in the defense of any such claims and will not settle any claim without our prior written consent. FinEcon Analytics reserves the right to assume control of the defense of any claim if it chooses to do so.

The Site may contain links to third-party websites, resources, and external content. These links are provided for your convenience only. FinEcon Analytics does not endorse, control, or assume responsibility for the content, accuracy, reliability, or availability of any external websites or resources. Your access to and use of third-party websites is governed by the terms and conditions of those websites, not by these Terms of Service.

We are not responsible for any damages, losses, or harm resulting from your use of third-party websites or reliance on information obtained from such sources. We recommend that you review the privacy policies and terms of service of any external websites before providing any personal information or making any transactions.

Your use of the Site and Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and protection of your personal information.

We are committed to protecting your privacy and complying with applicable data protection laws, including the General Data Protection Regulation (GDPR) and equivalent privacy legislation in other jurisdictions. You have the right to access, correct, or delete your personal information subject to applicable legal requirements. You also have the right to withdraw consent for marketing communications at any time.

These Terms of Service and all matters arising from your use of the Site and Services shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions. You agree that any legal action or proceeding arising out of or related to these Terms shall be brought exclusively in the courts located in London, England.

By using the Site and Services, you consent to the exclusive jurisdiction of the English courts and waive any objection to venue in such courts. FinEcon Analytics's failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

Before initiating formal legal proceedings, both you and FinEcon Analytics agree to attempt to resolve any dispute through good-faith negotiation. If you have a complaint or dispute, you must contact us in writing at [email protected] with a detailed description of the issue, the date the issue occurred, and the resolution you seek.

We will attempt to respond to your complaint within 14 business days. If we cannot resolve the dispute through informal negotiation within 30 days of your written notice, either party may submit the dispute to binding arbitration administered by an independent arbitrator in accordance with the Arbitration Act 1996.

The arbitration shall be conducted in English, held in London, England, and shall be confidential. Each party shall bear its own costs and expenses in connection with the arbitration, with the arbitrator's fees and expenses shared equally unless the arbitrator determines otherwise based on the merits of the case. The arbitration award shall be binding and enforceable in any court of competent jurisdiction.

FinEcon Analytics reserves the right to suspend or terminate your access to the Site and Services at any time, with or without cause, and with or without prior notice. Grounds for termination include, but are not limited to: violation of these Terms, unauthorized access to the Site, misuse of the Services, or engaging in any activity we determine to be harmful or illegal.

Upon termination, your license to use the Site and Services immediately ceases, and you must destroy all copies of any content you have downloaded or obtained from the Services. All provisions of these Terms that by their nature are intended to survive termination (including limitations of liability, indemnification, and intellectual property provisions) shall survive termination.

You may discontinue your use of the Site and Services at any time by ceasing to access the Site and, if applicable, deleting your account. You can request account deletion and data removal by contacting us at [email protected].

FinEcon Analytics may update, modify, or revise these Terms of Service at any time. We will provide at least 14 days' notice of material changes by posting the updated Terms on the Site and updating the "Last updated" date at the top of this page. Your continued use of the Site or Services after such changes become effective constitutes your acceptance of the revised Terms.

For substantial changes that materially affect your rights or obligations, we will send a notification email to the address you provided during registration, if applicable. If you do not agree to the revised Terms, you must cease using the Site and Services. Your only remedy for disagreement with these Terms is to stop using the Site.

If you have any questions about these Terms of Service, need to report a violation, or wish to request account deletion or other legal rights, please contact us using the information below:

Please allow up to 10 business days for a response to any inquiries. We appreciate your understanding and cooperation in resolving any issues promptly and professionally.