1. Introduction
These Terms of Service (“Terms”) govern your access to and use of the Calmvestor website (calmvestor.com), content, and services (collectively referred to as the “Service”). By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access the Service.
2. Educational Purpose Only
Calmvestor provides educational content about personal finance and investing solely for informational and educational purposes. The information presented is general in nature and not tailored to any individual’s specific circumstances.
3. Not Financial Advice
3.1 No Professional Relationship
Nothing contained in the Service constitutes financial advice, investment advice, tax advice, or legal advice. No professional-client relationship is created between Calmvestor and any user of the Service.
3.2 No Investment Solicitation
We do not solicit investments, raise capital, or manage money for users. Any financial decisions you make based on information from our Service are at your own risk and discretion.
3.3 Consult with Professionals
Before making any financial or investment decisions, you should consult with qualified financial, legal, or tax professionals who can provide advice tailored to your specific situation.
4. Intellectual Property
4.1 Calmvestor Content
All content on the Service, including but not limited to text, graphics, logos, videos, and educational materials, is the property of Calmvestor or its content suppliers and is protected by copyright and other intellectual property laws.
4.2 Limited License
Calmvestor grants you a limited, non-exclusive, non-transferable license to access and view the content on the Service for personal, non-commercial educational purposes only.
4.3 Restrictions
You may not:
- Reproduce, distribute, modify, create derivative works of, publicly display, or publicly perform any materials from the Service
- Use any content for commercial purposes without explicit written permission
- Remove any copyright or other proprietary notices from materials on the Service
5. User Responsibilities
5.1 Accuracy of Information
While we strive to provide accurate and up-to-date information, we make no representations or warranties about the completeness, reliability, or accuracy of the content on the Service. Any reliance you place on this information is strictly at your own risk.
5.2 Investment Risk
All investments involve risk, including the possible loss of principal. Past performance does not guarantee future results. Market conditions change over time, and strategies that worked in the past may not work in the future.
5.3 User Conduct
You agree not to:
- Use the Service in any way that violates applicable laws or regulations
- Impersonate any person or entity
- Engage in any activity that could damage, disable, or impair the Service
- Attempt to gain unauthorized access to any part of the Service
6. Third-Party Links
The Service may contain links to third-party websites or resources that are not owned or controlled by Calmvestor. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or resources. You acknowledge and agree that Calmvestor shall not be responsible or liable for any damage or loss caused by or in connection with the use of any such content, goods, or services available on or through any such websites or resources.
7. Scam Warning
7.1 No Proactive Outreach
Calmvestor does not proactively contact individuals to offer services, solicit investments, or request personal information. Any such contact claiming to be from Calmvestor should be treated with caution and may be fraudulent.
7.2 Reporting Scams
If you encounter someone falsely claiming to represent Calmvestor, please contact us immediately at ethan.tran277@gmail.com.
8. Disclaimers and Limitations of Liability
8.1 Disclaimer of Warranties
THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. CALMVESTOR EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
8.2 Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CALMVESTOR SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE.
9. Modifications to Terms
Calmvestor reserves 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.
10. Contact Information
If you have any questions about these Terms, please contact us at:
Email: ethan.tran277@gmail.com
11. Effective Date
These Terms of Service were last updated on April 20, 2025.