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Terms of Service

Our terms and conditions

Terms of Service Agreement

Last Modified: November 29, 2024

THIS TERMS OF SERVICE AGREEMENT (hereinafter referred to as the “Agreement”) is entered into by and between humblFINANCE, a financial technology service provider (hereinafter referred to as “humblFINANCE,” “the Company,” “we,” “us,” or “our”) and the user (hereinafter referred to as “User,” “you,” or “your”).

1. Acceptance of Terms

BY ACCESSING OR USING THE SERVICES, YOU HEREBY ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY ALL TERMS, CONDITIONS, AND NOTICES CONTAINED IN THIS AGREEMENT. If you do not agree to these terms, you must immediately discontinue use of our services.

2. Service Description and Eligibility

2.1. The Company provides financial technology services, including but not limited to portfolio management, market analysis, and investment tracking tools (collectively, the “Services”).

2.2. By using the Services, you represent and warrant that:

  • You are at least 18 years of age;
  • You possess the legal authority to create a binding legal obligation;
  • You will use the Services in accordance with all applicable laws and regulations;
  • All information provided by you is true, accurate, current, and complete.

3. Disclaimer of Financial Advice

3.1. THE COMPANY DOES NOT PROVIDE INVESTMENT OR FINANCIAL ADVICE. All content, materials, and tools provided through the Services are for informational purposes only and should not be construed as financial, investment, legal, or tax advice.

3.2. Users acknowledge that all investment decisions are made solely at their own risk.

4. Limitation of Liability

4.1. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION:

  • Loss of profits, data, use, goodwill, or other intangible losses;
  • Trading losses or damages resulting from use of the Services;
  • Damages resulting from interrupted or terminated service;
  • Damages resulting from unauthorized access to user accounts;
  • Any investment decisions made based on the Services.

5. Data Security and Privacy

5.1. The Company implements industry-standard security measures but cannot guarantee absolute security. Users acknowledge inherent risks in electronic data transmission and storage.

6. Intellectual Property Rights

6.1. All content, features, and functionality, including but not limited to source code, algorithms, text, graphics, logos, and software, are the exclusive property of the Company and are protected by intellectual property laws.

7. Account Termination

7.1. The Company reserves the right, at its sole discretion, to suspend or terminate user accounts for any reason, including but not limited to:

  • Violation of these Terms;
  • Suspicious or fraudulent activity;
  • Non-payment of applicable fees;
  • Extended periods of inactivity.

8. Modifications to Service

8.1. The Company reserves the right to modify, suspend, or discontinue any part of the Services at any time without prior notice.

9. Governing Law and Jurisdiction

9.1. This Agreement shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions.

10. Indemnification

10.1. You agree to indemnify, defend, and hold harmless the Company, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

  • Your violation of these Terms;
  • Your use of the Services;
  • Your violation of any rights of another party;
  • Your violation of any applicable laws or regulations.

11. Force Majeure

11.1. The Company shall not be liable for any failure or delay in performance due to circumstances beyond its reasonable control, including but not limited to acts of God, war, terrorism, pandemic, market volatility, or technological failures.

IN WITNESS WHEREOF, by accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by all terms and conditions set forth in this Agreement.