Terms of Use

Terms of Use

Welcome to CRUXinvestor.com (“Site”). By visiting and using this Site you will be accepting these Terms of Use ("TOU"). The TOU governs your access to and use of the Site and any of the Services we provide through the Site (together the “Services”). Please read them carefully and if you disagree with the TOU in any way, then do not use this Site or any of the Services. CRUX Investor reserves the right to post changes to the TOU on this Site at anytime. If we make any material changes to this TOU, we will post the updated TOU here, along with its effective date or by means of a notice on our Site. If any TOU changes are not acceptable, you must stop your use of this Site. In these TOU, "CRUX Investor" and "we" refer to CRUXInvestor.com, and "User" or "you" refer to each visitor to this Site.

If you subscribe to any Services offered through this Site, you may also be subject to additional terms and conditions ("Terms of Service" or "TOS") applicable to such Services, which will be brought to your attention at that time.

Sites and Services

We do not guarantee that access to or use of this Site or any Services will be uninterrupted or error free, and CRUX Investor shall not be liable for any feature not being accessible or for any unavailability of its Site and Services. The Site and its features may be expanded, limited or modified at any time by CRUX Investor to meet the needs of its Users, or for technical or other reasons, without advance notice or reason. We may also in our sole discretion, and at any time, discontinue providing, temporarily or permanently, any or all of the Site or Services, without notice. To access some of the content or features of the Site or its Services, Users may need to enhance or update the hardware or software in their computer systems. CRUX Investor assumes no responsibility for any failure to access the Site or any Services, partially or fully, whether due to the User's system, the Internet network or any other cause.

No Individual Investment Advice

This Site does not provide individual or customized legal, tax, accounting, or investment services. Since each individual's situation is unique, a qualified professional should be consulted before making financial decisions.

Message Web Site Content Limitations

We make no guarantees as to the accuracy, thoroughness or quality of the information on this Site or through the Services, which is provided only on an “AS-IS” and “AS AVAILABLE” basis at User’s sole risk. This information may be providedby third parties and CRUX Investorshall not be responsible or liable for any errors, omissions or inaccuracies in the Site content. The information and investment, accounting, or legal strategies provided at this Site are neither comprehensive nor appropriate for every individual. It is your responsibility to determine whether, how and to what extent your intended use of the information and Services will be technically and legally possible in the areas of the world where you intend to use them. You are advised to verify any information before using it for any personal, financial, accounting, legal, or business purpose. In addition, the opinions and views expressed in any article on this Site are solely those of the author(s) of the article and do not reflect the opinions of CRUX Investoror its management. The Site content and services may be modified at any time by us, without advance notice or reason, and CRUX Investor shall have no obligation to notify you of any corrections or changes to any Site content.

License to Use Site Content

We grant you a limited personal use license to access, display, download, format and print portions of this Site content solely for your own personal non-commercial use, provided that the content is not modified and all proprietary notices are kept intact. You may not reproduce, publish, translate, merge, sell, rent, distribute the content, or create a derivative work of the content on any other website or as part of any educational, training or reference materials. You may not frame or utilize framing techniques to enclose any content on this Site unless agreed with CRUX Investor in writing.

Please note that, if you purchase any Courses (as defined herein) through the CRUX Investor Academy that purchase is subject to specific license rights provided for in the CRUX Investor Academy section of this TOU (below).

Third Party Content

Any testimonials, opinions, advice, product or service offers, or other information or content made available on or through this Site by third parties (“Third Party Content”) are solely those of their respective providers and not of CRUX Investor which does not guarantee the accuracy, completeness, reliability or usefulness of Third Party Content. It is the responsibility of the User to evaluate Third Party Content and CRUX Investor shall not be liable for any damage or loss caused by Users’ reliance on or other use of Third Party Content.

Content Posted by Users

To the extent we enable you to, andyou choose to post or share any content or materials, including, without limitation, through the AI Service (e.g. questions) or through the CRUX Investor Academy Service (e.g., quizzes, homework, projects, etc.) (“User Content”) you will be: (a) granting CRUX Investor a fully transferable, sub-licensable (with rights to sublicense, including, without limitation, through multiple tiers) to display, perform, reproduce, modify, transfer, distribute and create derivative works from the User Content and to associate your public profile information (if any) with such User Content, in any media formats and through any channels (whether now known or hereafter developed) and waiving any moral rights in favor of CRUX Investor with respect to such use of the User Content; (b) granting CRUX Investor a perpetual, world-wide, royalty-free, fully paid-up, non-exclusive license to allow your materials to be edited and displayed by CRUX Investor on its Site, and accessed by Users, for the purposes and on the terms as set out in these TOU; (c) agreeing to indemnify and hold harmless CRUX Investor and its Users from any claim or demand made by any third party due to or arising out of your User Content; and (d) representing that you own or otherwise have the right to post the User Content, that the User Content is accurate, that use of the User Content on the Site does not violate any laws, and that the materials will not cause injury to any person, including without limitation to the intellectual property, personal or privacy rights of others. CRUX Investor shall have the right to use your name in connection with your posted User Content. CRUX Investor reserves the right to remove or modify any User Content for any reason, including without limitation, if we believe it violates these TOU.

If you choose to post any User Content and interact with other users, if applicable, please be respectful of other users and use common sense when posting comments. Remember that anything you post online may be perpetually available and is not confidential or private. Do not post anything you would not be comfortable sharing or being made public.

Account Creation

In General: Some of the Services offered by CRUX Investor require you to create an account. When you create an account, you agree that you have the authority to create that account and that all information you provide will be true, accurate, current, and complete. You are solely responsible for keeping your login information (e.g., user ID and password) accurate, secure, and confidential. You are also responsible for any activity resulting from use of your login information. You agree to immediately inform us if you suspect that your login information has been comprised. We are not liable to you for any losses ordamages you incur resulting from unauthorized use of your login information.

Social Sign in: If you login or sign in using social networking functionality, e.g. Facebook, you agree to abide by the applicable social network’s terms and conditions.

PLEASE NOTE: CRUX Investordoes not provide tax, accounting, legal, investment, or financial services. The information available through CRUX Investor is solely for informational purposes on an “as is” basis at user’s sole risk. The information is not meant to be, and should not be construed as advice or used for investment, financial planning, legal, accounting, or tax purposes. CRUX Investor makes no guarantees as to the accurateness, quality, or completeness of the information and CRUX Investor shall not be responsible or liable for any errors, omissions, inaccuracies in the information or for any user’s reliance on the information. User is solely responsible for verifying the information as being appropriate for user’s personal use, including without limitation, seeking the advice of a qualified professional regarding any specific financial, legal, accounting, or tax questions a user may have. CRUX Investor is not endorsed or regulated bythe Financial Conduct Authority (FCA) in the UK, or any other financial regulatory authority, agency, or association.

CRUX Investor Academy

General: CRUX Investor offers online information courses, workshops, classes and other educational programs relating to the world of finance to you for a fee (“Course(s)”) through its CRUX Investor Academy services. For clarity, the CRUX Investor Academy is included as part of the Services offered by CRUX Investor. CRUX Investor may also offer you the ability to engage in communication with fellow users taking the Courses. This TOU, including this section specifically on CRUX Investor Academy, govern your purchase, use and/or access to any Course. You must login to your account to sign up for a Course. CRUX Investor uses third party services to provide the platform for the Courses as well asfor payment processing and those third parties may have access to your information for the purposes of providing the Course Services. Please note that we may communicate with you as set forth in the “Communications” section of this TOU in connection with the provision of the CRUX Investor Academy and/or other CRUX Investor services.

Informational Purposes Only: These Courses are offered for information purposes only. Neither CRUX Investor, nor any person providing instruction in any Course, is providing you legal, accounting, investment or financial advice. You are solely responsible for confirming the accuracy and appropriateness of the information for your own uses with your tax, finance, or legal advisor. CRUX Investor’s provision of any Course or the appearance of any specific person instructing any Course is not a recommendation by CRUX Investor of that Course, the content contained therein or the person providing instruction. We do not employ any instructors and are not responsible or liable to you forany interactions between you and any instructor or any other user of the Services. We make no representations or warranties as to the quality of any Course or instructor.

No Academic Credit: CRUX Investor is not an accredited educational institution. Your participation in, or completion of, any Course does not confer any academic credit. Nothing in this TOU or otherwise through the Services or on our Site, enrolls you in any educational institution or in any course offered by any such institution.

Payment: Each Course, bundle of Courses, or subscription package (the “Online Course Offering”) is offered for certain price as listed on the relevant landing page. All fees are in UK pounds. To purchase an Online Course Offering you must provide one or more Payment Methods. You represent and warrant that you are authorized to use any and all Payment Method(s) you use to purchase an Online Course Offering. You agree to pay for all CRUX Investor products and services that you purchase, and agree that we may charge your selected payment method through our third party payment processor for any such payments. If your payment method fails, we may collect fees owed or use other collection methods. We may also suspend or terminate your access to our Services. For some Payment Methods, the issuer may also charge you certain fees, such as foreign transaction fees or other fees relating to the processing of your Payment Method. Local tax charges may vary depending on the Payment Method used. Check with your providerfor details. “Payment Method” means a current, valid, accepted method of payment as may be updated from time to time and which may include payment through your account with a third party)

Viruses

CRUX Investor does not guarantee that files available for downloading through its Site will be free of infection or viruses or other code that may have contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for integrity, security and accuracy of data input and output, and for maintaining a means external to the Site for the reconstruction of any lost data.

Privacy

This Site may collect personal information from some Users. Please review our Privacy Policy to understand what information we collect and store, how that information is used, how we may share that information, and your rights in connection with your personal information. The Privacy Policy is incorporated by reference and made a part of this TOU.

Communications

When you visit our Site, use any of our Services, or send us an email, you expressly indicate your consent to electronically receive any and all communications, notices, and our disclosures that we may provide in connection with your use of the Site and/or Services, including, without limitation, e-mail, and in-website chat communications. All agreements, notices and communications thatwe provide to you by email will satisfy all legal requirements that they be in writing and delivered to you. CRUX Investorwill have the right to disclose any email sent by a User, or any objectionable material, to comply with legal process or to protect the rights or property of CRUX Investor, its customers, suppliers and Users. Any such notices may also include emails with promotional, marketing, and advertising information and recommendations that we believe may be of interest to you, in accordance with applicable law. Consistent with anti-spam laws, if you do not wish to receive commercial emails, you may unsubscribe following the instructions on any email, excepting that we may still send you administrative and transactional notices, including, without limitation, information about your Account, confirmation of your registration for Courses, information about your progress, or other services that may be necessary to provide you with any one of the Services.

Proprietary Rights

The CRUX Investor Site and its content are protected by copyright, trademark and other proprietary laws.

General

This TOU, and any applicable TOS, constitute the entire agreement between each User and CRUX Investor governing the User's access to and use of the Site and its Services, and supersede all prior agreements regarding its subject matter. The TOU shall be governed by the laws of England and Wales without giving effect to any principles of conflicts of laws. Each User hereby conforims and agrees to the non-exclusive jurisdiction of the courts of England and Wales.

The failure by a User or CRUX Investor to exercise any right or to enforce any provision of this TOU shall not constitute a waiver of such right or provision. If any provision of this TOU is found by a court of competent jurisdiction to be invalid or unenforceable, the court shall give effect to the intentions reflected in the provision to the degree possible, and the other provisions of this TOU will remain in full force and effect.

Any advice contained in this website is general advice only and has been prepared without considering your objectives, financial situations or needs. You should not rely on any advice and / or information contained in this website or via any digital Crux communications. Before making any investment decision we recommend that you consider whether it is appropriate for your situation and seek appropriate financial, taxation and legal advice.

Crux Investor does not verify information provided by contributors or video interviewees on this site, and makes no assurance as to the adequacy, completeness or accuracy of any such information. Crux Investor steadfastly disclaims any liability or responsibility for the outcome of any investments made by users of this site or our branded affiliates. Users of this site (and our branded affiliates) should consult with their own financial advisors to assist them in making investment decisions. By accessing this site and our branded affiliates, you agree to the terms of service and privacy policy.