Terms of Service

These Terms of Service ("Terms", "Agreement") constitute a legally binding agreement between you ("User", "you", "your") and WealthView Ltd ("WealthView", "Company", "we", "us", "our"), a company registered under applicable law, governing your access to and use of the WealthView platform, including the website located at wealthview.ltd, all associated subdomains, mobile applications, APIs, and any related services (collectively, the "Service" or "Platform").

BY CLICKING "I ACCEPT", "I AGREE", CREATING AN ACCOUNT, OR OTHERWISE ACCESSING OR USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS IN THEIR ENTIRETY. IF YOU DO NOT AGREE TO ALL OF THESE TERMS, YOU MUST NOT ACCESS OR USE THE SERVICE. Your continued use of the Service following the posting of revised Terms means you accept and agree to the changes.

This Agreement is entered into by electronic means and constitutes a valid and binding clickwrap agreement. You acknowledge that by clicking the acceptance mechanism or by using the Service, you are providing your express, informed, and unambiguous consent to be bound by these Terms to the same extent as if you had executed a written contract. You waive any argument that these Terms are unenforceable due to the electronic nature of this Agreement.

These Terms incorporate by reference our Privacy Policy, Cookie Policy, Acceptable Use Policy, and any supplementary terms, guidelines, or rules posted on the Platform from time to time. In the event of a conflict between these Terms and any supplementary terms, these Terms shall prevail unless the supplementary terms expressly state otherwise with specific reference to the conflicting provision herein.

You represent and warrant that you have the legal capacity and authority to enter into this Agreement. If you are accessing the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms, and "you" and "your" shall refer to both you individually and the organization.

The Service is available only to individuals who are at least eighteen (18) years of age, or the age of legal majority in their jurisdiction of residence, whichever is greater. By accessing or using the Service, you represent and warrant that you are at least eighteen (18) years old and have the full legal capacity to enter into binding contracts under the laws of your jurisdiction.

If you are accessing the Service on behalf of a business entity, corporation, partnership, limited liability company, trust, or other legal entity (collectively, "Organization"), you represent and warrant that: (a) you are duly authorized to bind the Organization to these Terms; (b) the Organization is duly organized and validly existing under the laws of its jurisdiction of incorporation or formation; and (c) the Organization's use of the Service does not violate any applicable law, regulation, or the Organization's governing documents.

You further represent and warrant that: (a) you are not located in, or a resident or national of, any country subject to comprehensive trade sanctions or embargoes by the European Union, United States, United Kingdom, or United Nations; (b) you are not identified on any applicable sanctions list, including without limitation the EU Consolidated List, the U.S. Office of Foreign Assets Control (OFAC) Specially Designated Nationals and Blocked Persons List, or the UK HM Treasury Sanctions List; and (c) you will not use the Service in any manner that would cause WealthView to violate any applicable sanctions, export control, or anti-money laundering laws.

We reserve the right to verify your eligibility at any time and to refuse, suspend, or terminate access to the Service if we determine, in our sole discretion, that you do not meet the eligibility requirements set forth herein or have provided false, inaccurate, or misleading information in connection with your eligibility.

WealthView is a personal finance tracking and portfolio monitoring software platform that enables Users to manually input, organize, aggregate, and visualize information about their financial holdings, including but not limited to stocks, exchange-traded funds (ETFs), bonds, cryptocurrency assets, real estate properties, bank account balances, debts, liabilities, budgets, and other financial instruments or assets (collectively, "Financial Data").

The Service is designed exclusively as an information organization and visualization tool. The Service may display market data, price quotes, historical performance data, and other financial information sourced from third-party providers. Such data is provided solely for informational purposes to assist Users in tracking their self-reported portfolio holdings. The Service does not analyze, evaluate, or assess the suitability of any investment, financial product, or financial strategy for any individual User.

The Service does NOT: (a) provide personalized financial, investment, tax, legal, or accounting advice; (b) execute, facilitate, or intermediate securities transactions, cryptocurrency trades, or any other financial transactions; (c) hold, custody, or manage User funds, securities, cryptocurrency, or any other assets; (d) act as a broker, dealer, exchange, custodian, or transfer agent; (e) make investment recommendations or provide buy, sell, or hold signals; (f) guarantee the accuracy, completeness, timeliness, or reliability of any data displayed; or (g) serve as a substitute for professional financial advice from a qualified financial adviser, certified public accountant, tax professional, or licensed attorney.

Any calculations, projections, estimates, charts, graphs, performance summaries, or analytical features provided by the Service (including but not limited to net worth calculations, portfolio performance percentages, asset allocation breakdowns, dividend tracking, tax estimates, FIRE calculator projections, Monte Carlo simulations, and debt payoff projections) are generated automatically based on User-provided inputs and publicly available data. These outputs are approximations only and should not be relied upon for making financial decisions without independent verification by qualified professionals.

WealthView is a software technology company that provides information organization and visualization tools. We are not registered with, licensed by, supervised by, or affiliated with any financial regulatory authority in any jurisdiction, including but not limited to: the Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), the Commodity Futures Trading Commission (CFTC), the Financial Conduct Authority (FCA), the European Securities and Markets Authority (ESMA), the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), the Dubai Financial Services Authority (DFSA), the Securities and Commodities Authority (SCA) of the United Arab Emirates, or any comparable national or supranational regulatory body.

We do not hold any license, registration, authorization, or permit to provide financial services, investment advisory services, brokerage services, banking services, payment services, insurance services, or any other regulated financial activity. No communication, output, or feature of the Service should be construed as an offer, solicitation, or recommendation to buy, sell, hold, or otherwise transact in any security, cryptocurrency, financial instrument, or investment product.

We are not a "financial institution" as defined under the EU Markets in Financial Instruments Directive (MiFID II), the EU Payment Services Directive (PSD2), the U.S. Gramm-Leach-Bliley Act, the U.S. Bank Secrecy Act, or any comparable legislation. We do not hold client money, we do not provide custody services, and we do not transmit funds on behalf of Users. Users maintain their assets with their own chosen financial institutions, brokerages, exchanges, and custodians.

Nothing in the Service or these Terms creates, or is intended to create, any regulatory obligation on the part of WealthView toward Users. Users should not rely on WealthView as a substitute for services provided by licensed and regulated financial professionals and institutions.

The Service is a software tool that organizes and displays information that Users have manually entered or that has been retrieved from third-party data sources. The mere display or organization of financial information does not constitute advice. No algorithm, calculation, visualization, projection, simulation, score, rating, alert, notification, insight, or other output generated by the Service (collectively, "Service Outputs") should be interpreted as a recommendation, endorsement, opinion, or suggestion to take or refrain from taking any particular financial action.

Without limiting the generality of the foregoing, the following Service features and outputs are expressly NOT financial advice: (a) portfolio performance calculations and percentage returns; (b) net worth estimates and historical net worth trends; (c) asset allocation breakdowns and diversification metrics; (d) dividend yield calculations and projected dividend income; (e) FIRE (Financial Independence, Retire Early) calculator projections; (f) Monte Carlo simulations and probability outcomes; (g) debt payoff timelines and interest calculations; (h) budget tracking and spending categorization; (i) benchmark comparisons against market indices; (j) correlation matrices and risk metrics; (k) tax reporting estimates and capital gains calculations; (l) AI-generated insights, summaries, or observations; (m) market data, price quotes, and price change indicators; (n) stock screener results and filtering outputs; and (o) any other analytical, computational, or informational feature of the Service.

You acknowledge and agree that: (i) the Service is not a substitute for professional financial advice tailored to your individual circumstances, financial situation, investment objectives, risk tolerance, and tax status; (ii) you should consult with a qualified and licensed financial adviser, investment professional, certified public accountant, tax advisor, or attorney before making any financial decisions; (iii) past performance data displayed in the Service is not indicative of future results; (iv) all investments carry risk, including the potential for complete loss of principal; and (v) WealthView has no knowledge of, and takes no responsibility for, your individual financial circumstances, goals, or risk profile.

The Company expressly disclaims any and all liability arising from or related to any financial decision made by any User or third party based in whole or in part on information displayed, organized, calculated, or otherwise output by the Service. You assume full and sole responsibility for evaluating the merits and risks of any financial decision you make.

If any court, arbitrator, regulator, or other authority determines that any Service Output constitutes financial advice under applicable law notwithstanding this disclaimer, such advice is provided without any warranty of accuracy, completeness, suitability, or fitness for any particular purpose, and our total aggregate liability for any claim arising therefrom shall be limited as set forth in the Limitation of Liability section below.

This section shall survive termination or expiration of this Agreement and shall remain in full force and effect regardless of whether you continue to use the Service.

By using the Service, you expressly acknowledge and agree that no fiduciary relationship, advisory relationship, trust relationship, agency relationship, or relationship of confidence exists or is created between you and WealthView, its officers, directors, employees, contractors, agents, affiliates, or licensors (collectively, "WealthView Parties") as a result of your use of the Service, your reliance on any information displayed by the Service, or any communication between you and any WealthView Party.

WealthView does not act as your financial adviser, investment adviser, broker, agent, trustee, fiduciary, or in any other advisory or representative capacity. We do not owe you any duty of loyalty, duty of care, duty of disclosure, duty of best execution, duty of suitability, or any other duty arising from a fiduciary or advisory relationship. We are not obligated to act in your best interest, to disclose conflicts of interest, to provide suitable recommendations, or to monitor your financial situation or portfolio.

You expressly waive, to the fullest extent permitted by applicable law, any claim or cause of action against WealthView based on an alleged fiduciary duty, advisory duty, duty of care, or any similar duty or obligation that might otherwise arise from your use of the Service. This waiver applies regardless of whether such duty might be imposed by statute, common law, equity, regulation, or any other source of law.

Nothing in any communication from WealthView, whether through the Service, email, customer support, social media, marketing materials, documentation, or otherwise, shall be construed as creating a fiduciary or advisory relationship. Any general educational content, market commentary, or informational materials provided by WealthView are provided for informational purposes only and do not constitute personalized advice.

You are solely responsible for your own financial decisions and for seeking appropriate professional advice from qualified and licensed financial professionals who owe you fiduciary or advisory duties under applicable law.

You acknowledge, agree, and represent that: (a) all investment, trading, financial, and economic decisions you make are made entirely at your own risk and discretion; (b) WealthView has no control over, and accepts no responsibility for, any decision you make regarding the purchase, sale, holding, exchange, staking, lending, or other disposition of any security, cryptocurrency, financial instrument, real property, or other asset; (c) any use of the Service in connection with an investment decision is entirely voluntary and does not shift any risk or responsibility to WealthView; and (d) you have access to, and are solely responsible for consulting, independent professional advisors regarding all investment decisions.

Without limiting the foregoing, WealthView shall have no liability whatsoever for: (i) losses resulting from investment decisions made after viewing information in the Service; (ii) losses resulting from investment decisions made in reliance on Service Outputs, including but not limited to calculations, projections, simulations, scores, or insights; (iii) losses resulting from failure to act, including failure to buy, sell, or hedge, after viewing information in the Service; (iv) losses resulting from errors, omissions, inaccuracies, or delays in data displayed by the Service; (v) losses resulting from Service downtime, interruptions, or unavailability that prevented access to portfolio information; (vi) opportunity costs or lost profits from decisions made or not made in connection with the Service; and (vii) any tax liabilities, penalties, interest, or other fiscal consequences arising from investment decisions.

You hereby agree to indemnify, defend, and hold harmless the WealthView Parties from and against any and all claims, damages, losses, costs, expenses (including reasonable attorneys' fees and court costs), liabilities, actions, proceedings, and demands arising out of or relating to: (a) any investment decision made by you or on your behalf; (b) any claim by a third party that your investment decisions were influenced by the Service; (c) any regulatory inquiry or proceeding arising from your investment activities; and (d) any claim that WealthView provided financial advice to you through the Service.

You acknowledge that financial markets are inherently unpredictable and that all investments carry the risk of partial or total loss of capital. Historical performance displayed in the Service does not guarantee future results. Market conditions, economic factors, regulatory changes, geopolitical events, and other variables may cause actual results to differ materially from any estimates, projections, or historical data displayed by the Service.

This section constitutes a material inducement for WealthView to provide the Service, and WealthView would not provide the Service absent this limitation of liability and indemnification obligation. This section shall survive termination or expiration of this Agreement.

The Service displays financial data, market data, and other information from various sources, including User-provided inputs and third-party data providers. WealthView does not independently verify, audit, validate, or guarantee the accuracy, completeness, timeliness, reliability, or availability of any data displayed in the Service, whether sourced from Users, third-party providers, or any other source.

Market data, including but not limited to stock prices, cryptocurrency prices, exchange rates, commodity prices, index values, dividend information, earnings data, and financial statement data, is sourced from third-party providers and may be delayed, inaccurate, incomplete, or unavailable at any time. Real-time data, where available, is subject to exchange and provider delays and should not be treated as definitive for trading or investment purposes.

WealthView makes no representation or warranty that: (a) any data displayed in the Service is accurate, current, or complete; (b) errors in data will be corrected; (c) data will be available without interruption; (d) calculations based on third-party data will produce accurate results; or (e) the Service will meet your requirements or expectations regarding data accuracy or availability.

You are solely responsible for independently verifying any data displayed in the Service before relying on it for any purpose, including but not limited to financial decisions, tax filings, loan applications, financial planning, or any other purpose. WealthView expressly disclaims all liability for any loss, damage, cost, or expense arising from reliance on data displayed in the Service.

IN NO EVENT SHALL WEALTHVIEW, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, LICENSORS, OR SERVICE PROVIDERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO: (a) loss of profits, revenue, income, or anticipated savings; (b) loss of data, goodwill, or business opportunity; (c) cost of procurement of substitute goods or services; (d) diminution in value of any investment, asset, or portfolio; (e) trading losses or losses from investment decisions; (f) tax liabilities, penalties, or interest; (g) any loss arising from market movements, price fluctuations, or economic conditions; (h) losses arising from reliance on Service Outputs; or (i) any other financial loss or damage of any kind, whether arising under contract, tort (including negligence), strict liability, statute, or any other legal theory, even if WealthView has been advised of the possibility of such damages.

This exclusion of liability applies regardless of whether the loss arises from: (i) errors, inaccuracies, or omissions in data displayed by the Service; (ii) Service downtime, interruptions, failures, or unavailability; (iii) unauthorized access to your account or data; (iv) bugs, errors, viruses, or defects in the Service; (v) actions or omissions of third-party service providers; (vi) changes in market conditions, regulations, or economic factors; or (vii) any other cause related to or arising from your access to or use of the Service.

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages. In such jurisdictions, our liability shall be limited to the maximum extent permitted by applicable law. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable mandatory law, including liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.

The Service may incorporate, display, or reference market data, financial data, and related information obtained from third-party data providers, including but not limited to Financial Modeling Prep (FMP), CoinGecko, and other data aggregation services (collectively, "Data Providers"). WealthView is not affiliated with, endorsed by, or sponsored by any Data Provider unless expressly stated otherwise.

Market data displayed in the Service may be: (a) delayed by fifteen (15) minutes or more depending on the Data Provider and exchange; (b) subject to errors, omissions, or inaccuracies introduced by the Data Provider, the exchange, or during data transmission; (c) denominated in currencies that may differ from your local currency; (d) adjusted or unadjusted for corporate actions such as stock splits, dividends, mergers, or spin-offs; (e) subject to revision or correction by the Data Provider; and (f) unavailable during periods of high market volatility, Data Provider outages, API rate limiting, or other technical issues.

WealthView does not guarantee continuous, uninterrupted, or error-free access to market data. Data Providers may change their data formats, API specifications, coverage, terms of service, or pricing at any time without notice to WealthView or to Users, which may affect the availability, accuracy, or scope of data displayed in the Service.

You acknowledge that market data displayed in the Service is not suitable for making real-time trading decisions and should not be used as the sole basis for any investment decision. You should always verify market data through official exchange sources, your brokerage platform, or other authoritative sources before taking any action.

WealthView expressly disclaims all warranties, representations, and guarantees regarding market data accuracy, timeliness, completeness, or fitness for any particular purpose. WealthView shall have no liability for any loss or damage arising from reliance on market data displayed in the Service, including but not limited to trading losses, missed opportunities, or erroneous portfolio valuations.

The Service may include features that estimate, calculate, or display tax-related information, including but not limited to capital gains and losses, dividend income, withholding tax estimates, cost basis calculations, wash sale indicators, and tax-lot tracking (collectively, "Tax Features"). These Tax Features are provided solely for informational and organizational convenience and do not constitute tax advice, tax preparation services, or tax planning recommendations.

Tax laws, regulations, rates, treaties, and reporting requirements vary significantly by jurisdiction and are subject to frequent change. The Tax Features may not account for: (a) your specific tax jurisdiction, residency, or filing status; (b) applicable tax treaties between jurisdictions; (c) local, state, provincial, or municipal taxes; (d) special tax rules applicable to your circumstances (e.g., qualified small business stock, opportunity zones, tax-loss harvesting limitations); (e) changes in tax law enacted after the Service's tax calculations were last updated; or (f) any other factor material to your individual tax situation.

You are solely responsible for your own tax compliance, filings, payments, and reporting obligations. You must consult with a qualified tax professional, certified public accountant, or licensed tax adviser regarding all tax matters. WealthView shall have no liability for any tax liability, penalty, interest, fine, or other fiscal consequence arising from your reliance on Tax Features.

To access certain features of the Service, you must create an account by providing accurate, current, and complete registration information as prompted by the registration form. You agree to update your registration information promptly to keep it accurate, current, and complete at all times. Failure to do so constitutes a breach of these Terms and may result in immediate termination of your account.

You are solely responsible for: (a) maintaining the confidentiality of your account credentials, including your password, API keys, and any two-factor authentication (2FA) recovery codes; (b) restricting access to your account and devices; (c) all activities that occur under your account, whether or not authorized by you; and (d) immediately notifying WealthView of any suspected unauthorized access to or use of your account at security@wealthview.ltd.

WealthView strongly recommends and may require the use of two-factor authentication (2FA) for account access. You acknowledge that failure to enable 2FA increases the risk of unauthorized account access and that WealthView shall not be liable for any loss or damage arising from unauthorized access to accounts that do not have 2FA enabled.

You agree not to: (a) share your account credentials with any third party; (b) create more than one account per individual (unless expressly authorized); (c) use another person's account without their permission; (d) use automated means to create accounts; or (e) sell, transfer, license, or assign your account or any account rights.

WealthView reserves the right to disable, lock, or terminate any account at any time, with or without notice, if we reasonably believe that the account has been compromised, is being used in violation of these Terms, or poses a security risk to the Service or other Users.

As between you and WealthView, you retain all right, title, and interest in and to the financial data, personal information, portfolio information, and other content you input, upload, import, or otherwise provide to the Service ("User Content"). WealthView does not claim ownership of your User Content.

By using the Service, you grant WealthView a limited, non-exclusive, royalty-free, worldwide, sublicensable (solely to our hosting and infrastructure providers), and revocable license to use, store, process, reproduce, display, and transmit your User Content solely for the purposes of: (a) providing, operating, and maintaining the Service; (b) improving and developing the Service; (c) generating anonymized and aggregated analytics that do not identify you individually; (d) complying with applicable legal requirements; and (e) enforcing these Terms. This license terminates when you delete your User Content or your account, subject to reasonable backup and deletion timelines.

WealthView may generate anonymized, aggregated, and de-identified data derived from User Content ("Aggregated Data"). Aggregated Data does not identify you individually and is not considered User Content. WealthView retains all right, title, and interest in Aggregated Data and may use it for any lawful purpose, including product improvement, research, and analytics.

You represent and warrant that: (a) you own or have the necessary rights, licenses, and permissions to provide your User Content to the Service; (b) your User Content does not infringe, violate, or misappropriate any third party's intellectual property, privacy, or other rights; and (c) your User Content complies with all applicable laws and regulations.

The Service relies substantially on data that you manually enter, import, or otherwise provide. You are solely and exclusively responsible for the accuracy, completeness, and timeliness of all data you input into the Service, including but not limited to: asset quantities, purchase prices, purchase dates, cost basis information, transaction details, account balances, debt amounts, interest rates, property valuations, and all other financial data.

WealthView does not verify, audit, validate, or independently confirm the accuracy of User-provided data. All Service Outputs, including portfolio valuations, performance calculations, net worth estimates, and analytical insights, are directly dependent on the accuracy of User-provided inputs. Errors in User-provided data will propagate through all Service Outputs and calculations.

You acknowledge that: (a) you bear full responsibility for reviewing and verifying all data you input into the Service; (b) WealthView has no obligation to identify or correct errors in your data; (c) inaccurate User-provided data may result in materially misleading Service Outputs; and (d) WealthView shall have no liability for any loss, damage, or consequence arising from errors, omissions, or inaccuracies in User-provided data.

WealthView offers the Service under various subscription tiers, which may include free and paid tiers. The features, limitations, pricing, and terms of each subscription tier are described on the Platform's pricing page and may be changed by WealthView from time to time.

For paid subscriptions: (a) fees are billed in advance on a monthly or annual basis, depending on the subscription plan selected; (b) all fees are stated in the currency indicated at the time of purchase and are exclusive of applicable taxes unless otherwise stated; (c) you authorize WealthView or its designated payment processor to charge your designated payment method for all applicable fees; (d) subscriptions automatically renew at the end of each billing cycle unless cancelled by you prior to the renewal date; and (e) WealthView may change subscription fees upon thirty (30) days' prior notice, with changes taking effect at the start of the next billing cycle.

Refund Policy: All subscription fees are non-refundable except as required by applicable mandatory consumer protection law. If you cancel your subscription, you will retain access to paid features through the end of your current billing period. No prorated refunds will be issued for partial billing periods. Where applicable law requires a cooling-off or withdrawal period, you may request a full refund within the statutory period by contacting billing@wealthview.ltd.

If payment cannot be processed for any reason, WealthView may: (a) suspend or restrict your access to paid features; (b) attempt to charge your payment method again; (c) downgrade your account to a free tier; or (d) terminate your account after providing reasonable notice. You are responsible for any fees, penalties, or charges imposed by your payment provider in connection with failed or disputed payments.

Free tier accounts may be subject to usage limitations, feature restrictions, data retention limits, or storage quotas. WealthView reserves the right to modify or discontinue free tier offerings at any time with reasonable notice.

You agree not to use the Service for any unlawful purpose or in any manner that violates these Terms. Without limiting the foregoing, you shall not:

(a) Reverse engineer, decompile, disassemble, decode, or otherwise attempt to derive the source code, underlying algorithms, data structures, or trade secrets of the Service or any component thereof; (b) modify, adapt, translate, or create derivative works based on the Service or any part thereof; (c) copy, reproduce, distribute, republish, download, display, post, or transmit any part of the Service in any form or by any means without prior written consent; (d) sell, resell, license, sublicense, rent, lease, lend, or otherwise commercially exploit the Service or access thereto; (e) use the Service to provide a competing service, benchmarking, or product comparison service; (f) remove, alter, or obscure any copyright, trademark, or other proprietary rights notices contained in the Service.

(g) Use the Service in connection with any illegal activity, including but not limited to money laundering, terrorist financing, tax evasion, fraud, market manipulation, insider trading, front-running, or any other activity that violates applicable anti-money laundering (AML), counter-terrorism financing (CTF), or sanctions laws; (h) use the Service to circumvent, violate, or facilitate the violation of any applicable law, regulation, sanctions, embargo, or trade restriction; (i) use the Service to stalk, harass, threaten, or intimidate any person; (j) use the Service to transmit any malware, virus, worm, trojan, ransomware, or other malicious code.

(k) Use any automated means, including bots, scrapers, crawlers, spiders, or scripts, to access the Service or extract data from the Service, except through APIs expressly provided by WealthView for such purpose and in compliance with applicable rate limits; (l) attempt to probe, scan, or test the vulnerability of the Service or any associated system or network, or breach any security or authentication measures; (m) interfere with, disrupt, or impose an unreasonable burden on the Service, its infrastructure, or the networks connected thereto; (n) impersonate any person or entity or falsely state or misrepresent your affiliation with any person or entity; (o) use the Service in violation of any third-party data provider's terms of service.

WealthView reserves the right to investigate and take appropriate action against any User who violates these prohibitions, including without limitation removing content, suspending or terminating accounts, reporting to law enforcement authorities, and pursuing any available legal remedies.

The Service may integrate with, access, or rely upon third-party services, APIs, data feeds, platforms, and applications ("Third-Party Services"), including but not limited to Financial Modeling Prep (FMP) for stock market data, CoinGecko for cryptocurrency data, Stripe for payment processing, and other service providers that may change from time to time.

Your use of Third-Party Services is subject to the terms of service, privacy policies, and other agreements of the respective third-party providers. WealthView is not a party to and has no control over Third-Party Services, their terms, their data practices, or their availability. WealthView does not endorse, guarantee, or assume any responsibility for any Third-Party Service or any product, service, content, or data provided by any third party.

WealthView shall not be liable for: (a) the accuracy, completeness, timeliness, or availability of data provided by Third-Party Services; (b) any changes, outages, errors, or discontinuation of Third-Party Services; (c) any unauthorized access to your data by Third-Party Services; (d) any fees, charges, or obligations imposed by Third-Party Services; or (e) any loss or damage arising from your use of or reliance on Third-Party Services.

WealthView may add, modify, or remove integrations with Third-Party Services at any time without notice. If a third-party integration is discontinued, WealthView shall not be liable for any resulting loss of functionality, data, or access.

The Service, including but not limited to the software, code, algorithms, databases, designs, user interface, graphics, logos, trademarks, trade names, service marks, domain names, documentation, and all other elements of the Service (collectively, "WealthView IP"), are and shall remain the exclusive property of WealthView and its licensors. The WealthView IP is protected by copyright, trademark, patent, trade secret, and other intellectual property laws of applicable jurisdictions.

Nothing in these Terms grants you any right, title, or interest in the WealthView IP except for the limited license expressly granted in Section 19 below. All rights not expressly granted herein are reserved by WealthView and its licensors.

You acknowledge that the Service contains proprietary and confidential information, including trade secrets, and that unauthorized use, copying, distribution, or disclosure of such information may cause irreparable harm to WealthView for which monetary damages would be inadequate. Accordingly, WealthView shall be entitled to seek equitable relief, including injunction and specific performance, in addition to all other remedies available at law or in equity.

If you provide WealthView with any feedback, suggestions, ideas, improvements, feature requests, or other input regarding the Service ("Feedback"), you hereby assign to WealthView all right, title, and interest in and to such Feedback, and WealthView may use, implement, modify, and commercialize such Feedback without restriction, attribution, or compensation to you.

Subject to your compliance with these Terms and payment of all applicable fees, WealthView grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service solely for your personal, non-commercial portfolio tracking and financial information organization purposes (the "License").

This License does not include the right to: (a) modify, copy, or create derivative works of the Service; (b) sublicense, sell, resell, transfer, assign, distribute, or otherwise commercially exploit or make available the Service to any third party; (c) use the Service for the benefit of any third party, including as part of a service bureau, outsourcing, or time-sharing arrangement; (d) access the Service in order to build a competitive product or service; (e) access the Service in excess of the limitations applicable to your subscription tier; or (f) use the Service in any way not expressly authorized by these Terms.

This License is conditioned upon your continued compliance with these Terms and is automatically revoked upon any breach hereof. WealthView may revoke this License at any time, with or without cause, upon notice to you. Upon revocation or termination of this License, you must immediately cease all use of the Service.

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, COMPLETENESS, TIMELINESS, QUALITY, SECURITY, AND QUIET ENJOYMENT.

WEALTHVIEW, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, LICENSORS, AND SERVICE PROVIDERS (COLLECTIVELY, THE "WEALTHVIEW PARTIES") DO NOT WARRANT THAT: (A) THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS; (B) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) THE RESULTS OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE, RELIABLE, COMPLETE, OR CURRENT; (D) THE QUALITY OF ANY DATA, INFORMATION, OR OTHER MATERIAL OBTAINED THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS; (E) ANY ERRORS IN THE SERVICE WILL BE CORRECTED; (F) THE SERVICE WILL BE FREE OF VIRUSES, MALWARE, OR OTHER HARMFUL COMPONENTS; (G) THE SERVICE WILL BE COMPATIBLE WITH YOUR HARDWARE, SOFTWARE, OR NETWORK ENVIRONMENT; OR (H) ANY DATA STORED IN THE SERVICE WILL NOT BE LOST, CORRUPTED, OR COMPROMISED.

WITHOUT LIMITING THE FOREGOING, THE WEALTHVIEW PARTIES MAKE NO WARRANTY OR REPRESENTATION REGARDING: (I) THE ACCURACY, COMPLETENESS, TIMELINESS, OR RELIABILITY OF ANY MARKET DATA, FINANCIAL DATA, PRICE QUOTES, EXCHANGE RATES, OR OTHER FINANCIAL INFORMATION DISPLAYED BY THE SERVICE; (II) THE ACCURACY OR RELIABILITY OF ANY CALCULATIONS, PROJECTIONS, ESTIMATES, SIMULATIONS, SCORES, INSIGHTS, OR OTHER OUTPUTS GENERATED BY THE SERVICE; (III) THE SUITABILITY OF ANY INFORMATION PROVIDED BY THE SERVICE FOR ANY PARTICULAR INVESTMENT, FINANCIAL, TAX, OR LEGAL PURPOSE; (IV) THE CONTINUED AVAILABILITY OF ANY THIRD-PARTY DATA SOURCE, API, OR INTEGRATION; OR (V) THE SECURITY OR INTEGRITY OF DATA TRANSMITTED TO OR STORED BY THE SERVICE.

YOU ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM WEALTHVIEW OR THROUGH THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED HEREIN. YOU ASSUME ALL RISK FOR ALL DAMAGES THAT MAY RESULT FROM YOUR USE OF OR ACCESS TO THE SERVICE, YOUR DEALING WITH ANY OTHER USER, AND ANY MATERIALS OR DATA DOWNLOADED FROM OR OTHERWISE PROVIDED THROUGH THE SERVICE.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES OR LIMITATIONS ON APPLICABLE STATUTORY RIGHTS OF A CONSUMER, SO THE ABOVE EXCLUSIONS AND LIMITATIONS MAY NOT APPLY TO YOU IN FULL. IN SUCH JURISDICTIONS, THE WEALTHVIEW PARTIES' WARRANTIES ARE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. NOTHING IN THESE TERMS AFFECTS YOUR STATUTORY RIGHTS AS A CONSUMER UNDER APPLICABLE MANDATORY LAW, INCLUDING EU CONSUMER PROTECTION LAW WHERE APPLICABLE.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE WEALTHVIEW PARTIES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY), WARRANTY, STATUTE, OR ANY OTHER LEGAL THEORY, AND REGARDLESS OF WHETHER THE WEALTHVIEW PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WITHOUT LIMITING THE FOREGOING, THE WEALTHVIEW PARTIES SHALL NOT BE LIABLE FOR: (A) ANY LOSS OR DAMAGE ARISING FROM OR RELATED TO ANY INVESTMENT DECISION, FINANCIAL DECISION, OR TRADING DECISION MADE BY YOU OR ANY THIRD PARTY; (B) ANY LOSS OF INVESTMENTS, DIMINUTION IN PORTFOLIO VALUE, TRADING LOSSES, OR OTHER FINANCIAL LOSSES; (C) ANY LOSS OR DAMAGE ARISING FROM DATA INACCURACY, DATA DELAYS, DATA UNAVAILABILITY, OR DATA LOSS; (D) ANY LOSS OR DAMAGE ARISING FROM UNAUTHORIZED ACCESS TO YOUR ACCOUNT OR DATA; (E) ANY LOSS OR DAMAGE ARISING FROM DOWNTIME, SERVICE INTERRUPTIONS, OR SERVICE UNAVAILABILITY; (F) ANY TAX LIABILITY, PENALTY, INTEREST, OR OTHER FISCAL CONSEQUENCE; (G) ANY LOSS ARISING FROM CHANGES TO OR DISCONTINUATION OF THE SERVICE OR ANY FEATURE THEREOF; OR (H) ANY LOSS ARISING FROM THIRD-PARTY SERVICES, APIS, OR INTEGRATIONS.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF THE WEALTHVIEW PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, WARRANTY, OR OTHERWISE, SHALL NOT EXCEED THE GREATER OF: (I) THE TOTAL FEES ACTUALLY PAID BY YOU TO WEALTHVIEW DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (II) ONE HUNDRED UNITED STATES DOLLARS (USD $100.00).

THE LIMITATIONS SET FORTH IN THIS SECTION SHALL APPLY EVEN IF YOUR REMEDIES UNDER THESE TERMS FAIL OF THEIR ESSENTIAL PURPOSE. YOU ACKNOWLEDGE AND AGREE THAT THE LIMITATIONS OF LIABILITY IN THIS SECTION ARE ESSENTIAL ELEMENTS OF THE BARGAIN BETWEEN YOU AND WEALTHVIEW, AND THAT WEALTHVIEW WOULD NOT PROVIDE THE SERVICE TO YOU WITHOUT THESE LIMITATIONS. THE ALLOCATION OF RISK SET FORTH IN THESE TERMS IS REFLECTED IN THE PRICING OF THE SERVICE.

NOTWITHSTANDING ANYTHING TO THE CONTRARY, NOTHING IN THESE TERMS SHALL EXCLUDE OR LIMIT LIABILITY FOR: (A) DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE; (B) FRAUD OR FRAUDULENT MISREPRESENTATION; (C) ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE MANDATORY LAW, INCLUDING EU CONSUMER PROTECTION LAW WHERE APPLICABLE; OR (D) ANY OTHER LIABILITY THAT CANNOT BE LAWFULLY EXCLUDED OR LIMITED.

IF YOU ARE A CONSUMER IN THE EUROPEAN UNION, THE ABOVE LIMITATIONS AND EXCLUSIONS MAY BE LIMITED BY APPLICABLE MANDATORY CONSUMER PROTECTION LAWS IN YOUR JURISDICTION, INCLUDING DIRECTIVE 2011/83/EU (CONSUMER RIGHTS DIRECTIVE) AND DIRECTIVE 93/13/EEC (UNFAIR CONTRACT TERMS DIRECTIVE). IN SUCH CASES, THE WEALTHVIEW PARTIES' LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE MANDATORY LAW.

YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS THE WEALTHVIEW PARTIES FROM AND AGAINST ANY AND ALL CLAIMS, DEMANDS, ACTIONS, PROCEEDINGS, INVESTIGATIONS, LIABILITIES, DAMAGES, LOSSES, COSTS, AND EXPENSES (INCLUDING WITHOUT LIMITATION REASONABLE ATTORNEYS' FEES, EXPERT WITNESS FEES, COURT COSTS, AND COSTS OF SETTLEMENT) ("CLAIMS") ARISING OUT OF OR RELATING TO:

(A) YOUR USE OF OR ACCESS TO THE SERVICE, INCLUDING ANY DATA, CONTENT, OR INFORMATION YOU TRANSMIT, SUBMIT, OR RECEIVE THROUGH THE SERVICE;

(B) YOUR VIOLATION OF THESE TERMS, INCLUDING ANY BREACH OF YOUR REPRESENTATIONS AND WARRANTIES SET FORTH HEREIN;

(C) YOUR VIOLATION OF ANY APPLICABLE LAW, REGULATION, RULE, ORDER, OR THIRD-PARTY RIGHT, INCLUDING WITHOUT LIMITATION ANY INTELLECTUAL PROPERTY, PRIVACY, PUBLICITY, OR CONTRACTUAL RIGHT;

(D) ANY DISPUTE OR ISSUE BETWEEN YOU AND ANY THIRD PARTY, INCLUDING WITHOUT LIMITATION ANY FINANCIAL INSTITUTION, BROKERAGE, EXCHANGE, DATA PROVIDER, OR OTHER SERVICE PROVIDER;

(E) ANY CLAIM BY A THIRD PARTY THAT YOUR USER CONTENT INFRINGES, VIOLATES, OR MISAPPROPRIATES SUCH THIRD PARTY'S RIGHTS;

(F) ANY INVESTMENT DECISION, TRADING DECISION, FINANCIAL DECISION, TAX DECISION, OR OTHER DECISION MADE BY YOU OR ON YOUR BEHALF, WHETHER OR NOT SUCH DECISION WAS INFLUENCED BY, BASED ON, OR MADE IN CONNECTION WITH INFORMATION, DATA, CALCULATIONS, PROJECTIONS, INSIGHTS, OR OTHER OUTPUTS DISPLAYED, GENERATED, OR PROVIDED BY THE SERVICE. THIS INDEMNIFICATION OBLIGATION APPLIES REGARDLESS OF WHETHER YOU CLAIM THAT WEALTHVIEW PROVIDED FINANCIAL ADVICE, INVESTMENT ADVICE, OR ANY OTHER FORM OF PROFESSIONAL ADVICE THROUGH THE SERVICE;

(G) ANY REGULATORY INQUIRY, INVESTIGATION, ENFORCEMENT ACTION, OR PROCEEDING ARISING FROM YOUR USE OF THE SERVICE OR YOUR FINANCIAL ACTIVITIES; AND

(H) ANY CLAIM THAT WEALTHVIEW OWED YOU A FIDUCIARY DUTY, ADVISORY DUTY, DUTY OF CARE, OR ANY SIMILAR DUTY IN CONNECTION WITH THE SERVICE.

WEALTHVIEW RESERVES THE RIGHT, AT YOUR EXPENSE, TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER FOR WHICH YOU ARE REQUIRED TO INDEMNIFY WEALTHVIEW, AND YOU AGREE TO COOPERATE WITH WEALTHVIEW'S DEFENSE OF SUCH CLAIMS. YOU AGREE NOT TO SETTLE ANY SUCH MATTER WITHOUT THE PRIOR WRITTEN CONSENT OF WEALTHVIEW. WEALTHVIEW WILL USE REASONABLE EFFORTS TO NOTIFY YOU OF ANY SUCH CLAIM, ACTION, OR PROCEEDING UPON BECOMING AWARE OF IT. THIS INDEMNIFICATION OBLIGATION SHALL SURVIVE TERMINATION OR EXPIRATION OF THIS AGREEMENT.

INFORMAL RESOLUTION: BEFORE INITIATING ANY FORMAL DISPUTE RESOLUTION PROCEEDING, YOU AGREE TO FIRST CONTACT WEALTHVIEW AT LEGAL@WEALTHVIEW.LTD AND ATTEMPT TO RESOLVE THE DISPUTE INFORMALLY FOR A PERIOD OF AT LEAST SIXTY (60) DAYS. IF THE DISPUTE IS NOT RESOLVED WITHIN SIXTY (60) DAYS OF YOUR INITIAL NOTICE, EITHER PARTY MAY PROCEED WITH FORMAL DISPUTE RESOLUTION AS SET FORTH BELOW.

BINDING ARBITRATION: EXCEPT AS EXPRESSLY PROVIDED BELOW, ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS, THE SERVICE, OR YOUR RELATIONSHIP WITH WEALTHVIEW (COLLECTIVELY, "DISPUTES"), WHETHER BASED IN CONTRACT, TORT, STATUTE, FRAUD, MISREPRESENTATION, OR ANY OTHER LEGAL THEORY, SHALL BE RESOLVED BY FINAL AND BINDING ARBITRATION ADMINISTERED BY THE LONDON COURT OF INTERNATIONAL ARBITRATION ("LCIA") IN ACCORDANCE WITH THE LCIA ARBITRATION RULES IN EFFECT AT THE TIME THE DISPUTE IS FILED. THE ARBITRATION SHALL BE CONDUCTED BY A SINGLE ARBITRATOR APPOINTED IN ACCORDANCE WITH THE LCIA RULES.

THE SEAT OF ARBITRATION SHALL BE LONDON, UNITED KINGDOM. THE LANGUAGE OF THE ARBITRATION SHALL BE ENGLISH. THE ARBITRATOR SHALL HAVE EXCLUSIVE AUTHORITY TO RESOLVE ANY DISPUTE RELATING TO THE INTERPRETATION, APPLICABILITY, ENFORCEABILITY, OR FORMATION OF THIS ARBITRATION AGREEMENT, INCLUDING ANY CLAIM THAT ALL OR ANY PART OF THIS ARBITRATION AGREEMENT IS VOID OR VOIDABLE. THE ARBITRATOR SHALL HAVE THE POWER TO GRANT ANY REMEDY THAT WOULD BE AVAILABLE IN COURT, SUBJECT TO THE LIMITATIONS SET FORTH IN THESE TERMS. THE ARBITRATOR'S AWARD SHALL BE FINAL AND BINDING AND MAY BE ENTERED AS A JUDGMENT IN ANY COURT OF COMPETENT JURISDICTION.

CLASS ACTION AND COLLECTIVE RELIEF WAIVER: YOU AND WEALTHVIEW EACH AGREE THAT ANY DISPUTE RESOLUTION PROCEEDING SHALL BE CONDUCTED SOLELY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS, CONSOLIDATED, REPRESENTATIVE, OR COLLECTIVE ACTION. YOU EXPRESSLY WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR ANY OTHER REPRESENTATIVE OR COLLECTIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF REPRESENTATIVE, COLLECTIVE, OR CLASS PROCEEDING. IF THIS CLASS ACTION WAIVER IS FOUND TO BE UNENFORCEABLE, THEN THE ENTIRETY OF THIS ARBITRATION AGREEMENT SHALL BE NULL AND VOID, AND THE DISPUTE SHALL BE RESOLVED IN COURT AS SET FORTH IN THE GOVERNING LAW SECTION.

SMALL CLAIMS COURT EXCEPTION: NOTWITHSTANDING THE FOREGOING, EITHER PARTY MAY BRING AN INDIVIDUAL ACTION IN A SMALL CLAIMS COURT OF COMPETENT JURISDICTION FOR DISPUTES WITHIN THE JURISDICTIONAL LIMITS OF SUCH COURT. IF THE DISPUTE IS REMOVED FROM SMALL CLAIMS COURT, THE DISPUTE SHALL BE RESOLVED THROUGH BINDING ARBITRATION AS SET FORTH ABOVE.

30-DAY OPT-OUT RIGHT: YOU HAVE THE RIGHT TO OPT OUT OF THIS ARBITRATION AGREEMENT BY SENDING WRITTEN NOTICE OF YOUR DECISION TO OPT OUT TO LEGAL@WEALTHVIEW.LTD WITHIN THIRTY (30) DAYS OF YOUR FIRST ACCEPTANCE OF THESE TERMS. YOUR NOTICE MUST INCLUDE YOUR NAME, EMAIL ADDRESS ASSOCIATED WITH YOUR ACCOUNT, AND A CLEAR STATEMENT THAT YOU WISH TO OPT OUT OF THE ARBITRATION AGREEMENT. IF YOU OPT OUT OF THIS ARBITRATION AGREEMENT, ALL OTHER PROVISIONS OF THESE TERMS SHALL CONTINUE TO APPLY.

INJUNCTIVE AND EQUITABLE RELIEF: NOTWITHSTANDING THE FOREGOING, EITHER PARTY MAY SEEK INJUNCTIVE OR OTHER EQUITABLE RELIEF IN ANY COURT OF COMPETENT JURISDICTION TO PREVENT ACTUAL OR THREATENED INFRINGEMENT, MISAPPROPRIATION, OR VIOLATION OF A PARTY'S INTELLECTUAL PROPERTY RIGHTS, CONFIDENTIAL INFORMATION, OR OTHER PROPRIETARY RIGHTS.

EU CONSUMER EXCEPTION: IF YOU ARE A CONSUMER RESIDING IN THE EUROPEAN UNION, NOTHING IN THIS ARBITRATION AGREEMENT SHALL DEPRIVE YOU OF THE PROTECTION AFFORDED BY MANDATORY PROVISIONS OF CONSUMER PROTECTION LAW IN YOUR COUNTRY OF RESIDENCE, INCLUDING YOUR RIGHT TO BRING PROCEEDINGS BEFORE THE COURTS OF YOUR HABITUAL RESIDENCE AND YOUR RIGHT TO ACCESS ALTERNATIVE DISPUTE RESOLUTION (ADR) MECHANISMS AVAILABLE UNDER EU LAW, INCLUDING THE EU ONLINE DISPUTE RESOLUTION (ODR) PLATFORM AT HTTPS://EC.EUROPA.EU/CONSUMERS/ODR. THE FOREGOING ARBITRATION PROVISIONS MAY NOT APPLY TO YOU TO THE EXTENT THEY CONFLICT WITH APPLICABLE MANDATORY EU CONSUMER PROTECTION LAW.

WealthView shall not be liable for any failure or delay in performing its obligations under these Terms to the extent that such failure or delay results from circumstances beyond WealthView's reasonable control ("Force Majeure Events"), including but not limited to: (a) acts of God, natural disasters, earthquakes, floods, hurricanes, epidemics, pandemics, or other natural catastrophes; (b) war, armed conflict, terrorism, civil unrest, sanctions, embargoes, or governmental actions; (c) strikes, labor disputes, or work stoppages; (d) power outages, telecommunications failures, internet outages, or infrastructure failures; (e) cyberattacks, distributed denial-of-service (DDoS) attacks, data breaches, ransomware attacks, or other cybersecurity incidents; (f) failures, outages, rate limiting, or discontinuation of third-party services, APIs, data providers, hosting providers, or cloud infrastructure; (g) changes in applicable law, regulation, or governmental policy; (h) stock exchange closures, market suspensions, trading halts, or circuit breakers; and (i) any other event or circumstance beyond WealthView's reasonable control.

During any Force Majeure Event, WealthView's obligations under these Terms shall be suspended for the duration of the event. WealthView shall use commercially reasonable efforts to mitigate the effects of the Force Majeure Event and to resume performance as soon as practicable. If a Force Majeure Event continues for more than ninety (90) consecutive days, either party may terminate these Terms upon written notice to the other party.

For the avoidance of doubt, API outages, data provider disruptions, and third-party service interruptions are expressly included as Force Majeure Events. You acknowledge that the Service's functionality depends on the availability of third-party services and that WealthView cannot guarantee uninterrupted access when third-party services are unavailable.

WealthView may, in its sole discretion, suspend, restrict, or terminate your access to the Service and/or your account at any time, with or without cause, and with or without notice, including but not limited to situations where: (a) you breach or violate any provision of these Terms; (b) we are required to do so by applicable law, regulation, or court order; (c) we reasonably believe your account has been compromised or is being used for fraudulent or illegal purposes; (d) you fail to pay applicable subscription fees; (e) we discontinue the Service or any material feature thereof; or (f) we determine, in our sole discretion, that your continued use poses a risk to the Service, other Users, or WealthView.

You may terminate your account at any time by contacting support@wealthview.ltd or through the account settings page in the Service. Upon termination of your account by you: (a) your right to access the Service will terminate immediately or at the end of your current billing period, at your election; (b) you will not be entitled to any refund of prepaid fees, except as required by applicable mandatory law; and (c) WealthView will retain your data for the data export period described below.

Upon termination or suspension for any reason: (a) your License to use the Service is immediately revoked; (b) you must cease all use of the Service; (c) any provision of these Terms that by its nature should survive termination shall survive, including without limitation Sections 5 through 9, 13, 16, 18, and 20 through 31; and (d) WealthView shall have no liability to you for any termination or suspension of access to the Service.

Data Retention After Termination: Following termination of your account, WealthView will retain your User Content for a period of thirty (30) days ("Data Export Period") to allow you to export your data as described in Section 26. After the Data Export Period, WealthView may permanently delete all of your User Content from its systems, including backups, without further notice to you. WealthView shall have no obligation to retain, store, or provide access to your User Content after the Data Export Period, except as required by applicable law or regulation.

During the term of your account and for thirty (30) days following account termination ("Data Export Period"), you may request an export of your User Content through the Service's export functionality or by contacting support@wealthview.ltd. WealthView will use commercially reasonable efforts to provide your data export within fourteen (14) business days of a valid request.

Data exports will be provided in one or more of the following machine-readable formats, as determined by WealthView: CSV (comma-separated values), JSON (JavaScript Object Notation), or XLSX (Microsoft Excel). WealthView does not guarantee that exported data will be compatible with any particular third-party software, platform, or service.

The data export shall include your User-provided financial data, portfolio holdings, transaction records, and other User Content stored in the Service. Data exports may not include: (a) third-party market data subject to licensing restrictions; (b) derived analytics, calculations, or Service Outputs that are proprietary to WealthView; (c) account metadata, system logs, or internal processing data; or (d) data that has been permanently deleted prior to the export request.

Where applicable, WealthView will comply with data portability obligations under the EU General Data Protection Regulation (GDPR) Article 20 and other applicable data protection laws. For GDPR data portability requests, please contact dpo@wealthview.ltd.

WealthView reserves the right to modify, amend, or update these Terms at any time in its sole discretion. We will provide notice of changes by: (a) posting the updated Terms on the Platform with a revised "Last Updated" date; (b) sending an email notification to the email address associated with your account for material changes; and/or (c) displaying a prominent notice within the Service.

For non-material changes, your continued use of the Service after the updated Terms are posted constitutes your acceptance of the modified Terms. For material changes, including changes to the arbitration agreement, limitation of liability, or scope of the Service, WealthView will provide at least thirty (30) days' advance notice and will require you to affirmatively re-accept the updated Terms through a clickwrap mechanism before continuing to use the Service. If you do not agree to the updated Terms, you must stop using the Service and may request deletion of your account.

A change shall be considered "material" if it: (a) modifies the arbitration or dispute resolution provisions; (b) expands WealthView's right to use your User Content; (c) reduces WealthView's liability or your indemnification protections; (d) introduces new fees or materially changes existing fee structures; (e) changes the governing law or jurisdiction; or (f) materially reduces the scope or functionality of the Service in a manner that adversely affects your rights.

Disputes arising under prior versions of these Terms shall be governed by the version of the Terms in effect at the time the dispute arose.

These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles that would result in the application of the laws of any other jurisdiction.

Subject to the arbitration provisions set forth in Section 23, the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms. Each party irrevocably submits to the exclusive jurisdiction of such courts and waives any objection to venue or jurisdiction, including any objection based on forum non conveniens.

EU Consumer Exception: If you are a consumer habitually resident in the European Union, you shall also benefit from any mandatory provisions of the consumer protection law in your country of residence. Nothing in these Terms affects your rights as a consumer to rely on such mandatory provisions. You may bring proceedings relating to these Terms in the courts of your country of habitual residence, and WealthView may bring proceedings against you only in the courts of your country of habitual residence, in accordance with Regulation (EU) No 1215/2012 (Brussels I Recast).

UAE Considerations: To the extent that any aspect of these Terms or the Service is subject to the laws of the United Arab Emirates or any emirate thereof, including the Dubai International Financial Centre (DIFC) or the Abu Dhabi Global Market (ADGM), the parties agree that the laws of England and Wales shall apply to the maximum extent permitted, and any mandatory provisions of UAE law shall apply only to the extent they cannot be lawfully contracted out of.

If any provision of these Terms is held by a court, arbitrator, or other tribunal of competent jurisdiction to be invalid, illegal, unenforceable, or in conflict with any applicable law, regulation, or public policy, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable while preserving the original intent of the parties. If such modification is not possible, the invalid provision shall be severed from these Terms.

The invalidity, illegality, or unenforceability of any provision shall not affect the validity, legality, or enforceability of any other provision of these Terms, and the remaining provisions shall continue in full force and effect. The severed provision shall be replaced with a valid and enforceable provision that most closely reflects the economic and legal intent of the severed provision.

Without limiting the foregoing, if any limitation of liability, disclaimer of warranty, indemnification obligation, or arbitration provision is found to be invalid or unenforceable in a particular jurisdiction, such finding shall not invalidate or render unenforceable any other limitation, disclaimer, or provision, and the affected provision shall remain enforceable in all other jurisdictions to the maximum extent permitted by applicable law.

Entire Agreement: These Terms, together with the Privacy Policy, Cookie Policy, and any supplementary terms or policies referenced herein, constitute the entire agreement between you and WealthView with respect to the subject matter hereof and supersede all prior and contemporaneous understandings, agreements, representations, warranties, and communications, whether written or oral, between the parties with respect to such subject matter. No prior or contemporaneous representation, understanding, or agreement, whether written or oral, not expressly incorporated herein shall be binding on either party.

Assignment: You may not assign, transfer, delegate, or sublicense any of your rights or obligations under these Terms without the prior written consent of WealthView. WealthView may assign, transfer, or delegate its rights and obligations under these Terms, in whole or in part, without restriction and without your consent, including in connection with a merger, acquisition, corporate reorganization, sale of assets, or operation of law. Any purported assignment in violation of this section shall be null and void. Subject to the foregoing, these Terms shall bind and inure to the benefit of the parties and their respective successors and permitted assigns.

No Waiver: The failure of WealthView to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. A waiver of any right or provision shall be effective only if made in writing and signed by an authorized representative of WealthView. No waiver of any right or provision shall be deemed a continuing waiver, a waiver of any other right or provision, or a waiver of any subsequent breach of the same right or provision. Any waiver must be express and in writing; a course of dealing or course of performance shall not constitute a waiver.

Headings: The section headings in these Terms are for convenience only and have no legal or contractual effect. They shall not be used in the interpretation or construction of these Terms.

Relationship of the Parties: Nothing in these Terms shall be construed to create a joint venture, partnership, employment, agency, or franchise relationship between you and WealthView. Neither party has the authority to bind or obligate the other party.

If you have any questions, concerns, or notices regarding these Terms of Service, please contact us using the following information:

WealthView Ltd
Website: wealthview.ltd

For formal legal notices, please send correspondence to legal@wealthview.ltd with the subject line "Legal Notice". Notices shall be deemed received upon confirmed delivery to the designated email address. WealthView will acknowledge receipt of formal legal notices within five (5) business days.

If you are a law enforcement authority or regulatory body seeking information about a WealthView User, please direct your request to legal@wealthview.ltd along with proper legal process documentation as required by applicable law.