Terms of Service

Last Updated: January 2025

⚠️ Important Notice:

This website provides educational content only. We are not a registered investment advisor, broker-dealer, or financial institution. All content is for educational purposes and does not constitute investment advice.

1. Acceptance of Terms

Welcome to Stock Market Learning Hub ("we," "our," "us," or "the Platform"). These Terms of Service ("Terms") govern your access to and use of our educational website, services, and resources.

By accessing, browsing, or using our Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our educational services.

2. Educational Purpose and Scope

2.1 Educational Mission

Our Platform is designed exclusively for educational purposes. We provide:

Educational content about market analysis concepts
Learning resources for investment fundamentals
Case studies and theoretical examples
Educational tools and calculators
Academic materials on financial markets

2.2 What We Do NOT Provide

We explicitly do NOT provide:

Investment advice or recommendations
Financial planning or portfolio management services
Trading signals or buy/sell recommendations
Guaranteed investment strategies or systems
Personalized financial advice
Brokerage or trading services

3. User Eligibility and Registration

3.1 Age Requirements

You must be at least 18 years old to use our educational services. If you are under 18, you may only use our Platform with the involvement and consent of a parent or guardian.

3.2 Account Registration

To access certain educational resources, you may need to create an account. You agree to:

Provide accurate and complete information
Maintain the security of your account credentials
Notify us of any unauthorized account access
Accept responsibility for all activities under your account

4. Investment Risk Warnings and Disclaimers

🚨 CRITICAL INVESTMENT RISK WARNINGS:

Total Loss Risk: All investments carry the risk of total loss. You could lose some or all of your invested capital.

No Guarantees: Past performance does not guarantee future results. Market conditions can change rapidly and unpredictably.

Market Volatility: Financial markets are inherently volatile and subject to sudden changes due to economic, political, and other factors.

Educational Only: All content is for educational purposes only and should not be used as the basis for investment decisions.

Professional Advice Required: Always consult qualified financial professionals before making any investment decisions.

5. Permitted Use

You may use our educational Platform for the following purposes:

Learning about financial markets and investment concepts
Accessing educational materials and resources
Participating in educational discussions and forums
Using educational tools and calculators
Downloading educational materials for personal use

6. Prohibited Activities

You agree NOT to use our Platform for:

  1. Seeking or providing investment advice or recommendations
  2. Distributing or promoting investment products or services
  3. Sharing trading signals or buy/sell recommendations
  4. Operating as an unlicensed investment advisor
  5. Violating any applicable laws or regulations
  6. Transmitting malicious code or attempting to hack our systems
  7. Harvesting user information or spamming
  8. Infringing on intellectual property rights
  9. Impersonating others or providing false information
  10. Disrupting the educational environment

7. Intellectual Property Rights

7.1 Our Content

All educational content, materials, and resources on our Platform are protected by intellectual property laws. This includes:

Educational articles and guides
Video and audio content
Software tools and calculators
Graphics, images, and design elements
Trademarks and logos

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our educational content for personal learning purposes only. You may not:

Reproduce or distribute content without permission
Modify or create derivative works
Use content for commercial purposes
Remove copyright or proprietary notices

8. User-Generated Content

If you submit content to our Platform (comments, questions, feedback), you grant us a non-exclusive, worldwide, royalty-free license to use, modify, and display such content for educational purposes.

You represent that any content you submit:

Is accurate and not misleading
Does not violate any laws or third-party rights
Is appropriate for an educational environment
Does not constitute investment advice or recommendations

9. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

By using our Platform, you consent to the collection and use of your information as described in our Privacy Policy.

10. Disclaimers and Limitations

Educational Platform Disclaimers:

No Investment Advice: Nothing on this Platform constitutes investment, financial, legal, or tax advice.

Educational Purpose Only: All content is provided for educational and informational purposes only.

No Professional Relationship: Use of this Platform does not create any advisor-client relationship.

Third-Party Content: We are not responsible for the accuracy of third-party educational resources.

No Endorsement: Reference to specific investments or strategies does not constitute endorsement.

10.1 Platform Availability

We strive to maintain continuous access to our educational resources, but we do not guarantee:

Uninterrupted access to the Platform
Error-free operation of all educational tools
Availability of all content at all times
Compatibility with all devices or browsers

11. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

Your use of or inability to use our educational Platform
Any investment decisions you make based on educational content
Errors or omissions in educational materials
Unauthorized access to your account or information
Technical failures or interruptions of service

Your Responsibility:

You acknowledge that any investment decisions you make are entirely your own responsibility and that you should always seek professional financial advice before investing.

12. Indemnification

You agree to defend, indemnify, and hold harmless the Platform, its operators, and affiliates from any claims, damages, or expenses arising from:

Your violation of these Terms
Your use of the educational Platform
Your violation of any third-party rights
Any content you submit to the Platform

13. Termination

13.1 Termination by You

You may terminate your use of our educational Platform at any time by ceasing to access our services and deleting your account if applicable.

13.2 Termination by Us

We reserve the right to terminate or suspend your access to our Platform immediately, without prior notice, if you:

Violate these Terms of Service
Engage in prohibited activities
Provide false or misleading information
Misuse our educational resources

14. Third-Party Services and Links

Our Platform may contain links to third-party educational websites, tools, or services. We do not endorse, control, or assume responsibility for any third-party content or services.

Your interactions with third-party services are solely between you and the third party. We encourage you to review the terms and privacy policies of any third-party services you access.

15. Regulatory Compliance

Our educational Platform operates in compliance with applicable laws and regulations. However, laws vary by jurisdiction, and you are responsible for ensuring your use of our Platform complies with local laws.

International Users:

If you access our Platform from outside our primary jurisdiction, you do so at your own initiative and are responsible for compliance with local laws regarding educational content and financial information.

16. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective when posted on our Platform with an updated "Last Updated" date.

Your continued use of our educational services after any modifications constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.

For significant changes that materially affect your rights, we will provide reasonable notice through our Platform or other appropriate means.

17. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with applicable laws. Any disputes arising from these Terms or your use of our Platform will be resolved according to the legal jurisdiction where our educational services are primarily operated.

You agree to submit to the jurisdiction of the appropriate courts for the resolution of any disputes.

18. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will continue in full force and effect. The unenforceable provision will be modified to the minimum extent necessary to make it enforceable while preserving its intent.

19. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding your use of our educational Platform. These Terms supersede any prior agreements or understandings.

20. Final Educational Reminders

🎓 Before You Invest - Remember:

• Our Platform is for education only - seek professional advice for investments

• Never invest money you cannot afford to lose

• Diversification and risk management are crucial concepts to understand

• Market education is a continuous process - keep learning

• Emotional decision-making can lead to poor investment outcomes

• Always verify information from multiple reliable sources

Questions About These Terms?

If you have questions about these Terms of Service, please review our educational resources on our website or consult with appropriate legal professionals for legal advice regarding terms of service.