Terms of Service

Terms of Service — investment-journal.pro

Effective date: 2026-02-01

These Terms of Service (“Terms”) govern your access to and use of investment-journal.pro (the “Website”). By accessing or using the Website, including purchasing a subscription, you agree to be bound by these Terms. If you do not agree, do not use the Website.

These Terms are intended to be read together with the Privacy Policy above. If there is a conflict between these Terms and the Privacy Policy regarding privacy matters, the Privacy Policy controls.

1) Nature of the Website (Informational Blog; Not Financial Advice)

  1. Informational purpose only. The Website provides general informational and educational blog content. Some additional materials may be offered as paid content to subscribers.
  2. Not financial advice. Nothing on this Website constitutes financial, investment, legal, tax, or accounting advice. The Website is not a substitute for professional advice from a licensed or qualified advisor.
  3. No fiduciary relationship. Your use of the Website does not create any advisor-client, fiduciary, or other professional relationship between you and us.
  4. Investment risk. Investing and trading involve risk. You are solely responsible for your investment decisions, actions, and results, including losses.

2) Eligibility and User Responsibilities

By using this Website, you represent that:

  • You are legally able to enter into a binding contract in your jurisdiction.
  • You will use the Website only for lawful purposes and in accordance with these Terms.
  • You will not use the Website in a way that could damage, disable, overburden, or impair it, or interfere with others’ use.

You agree not to:

  • Attempt unauthorized access to any portion of the Website, servers, or systems
  • Circumvent paywalls or access controls protecting paid content
  • Copy, scrape, harvest, or mass-download content using automated tools without permission
  • Introduce malware, bots, or harmful code
  • Engage in fraudulent activity related to subscriptions or refunds

3) Paid Content, Subscriptions, and Billing

  1. Subscription purpose. A subscription provides access to certain paid content (premium posts, materials, downloads, or similar subscriber-only resources) made available on the Website.
  2. Changes to content. We may update, reorganize, add, limit, or remove content (including paid content) at any time. Access is provided to the paid content available during your active subscription, subject to these Terms.
  3. Third-party payments. Payments are processed through a third-party payment provider. We do not control and are not responsible for the payment provider’s systems, downtime, errors, or independent data practices.
  4. Taxes and fees. Where applicable, taxes or payment-provider fees may apply. Any such amounts are your responsibility unless stated otherwise.

4) Refund Policy (Conditional)

Refunds are not automatic. You may request a refund only under the conditions below:

  1. 30-day requirement. Refunds are available only after you prove that you followed all the steps described in the blog (as applicable) for at least 30 consecutive days.
  2. Proof and verification. You agree to provide reasonable evidence upon request (for example, dated logs, screenshots, checklists, notes, or other documentation). We may request additional information to verify compliance.
  3. Decision discretion. We will review refund requests in good faith, but we reserve the right to deny requests that are incomplete, unverifiable, inconsistent, abusive, or fraudulent.
  4. Payment provider limitations. Approved refunds are processed via the payment provider and may be subject to:
  • the provider’s processing timelines,
  • bank/card network delays,
  • non-refundable transaction fees (if any),
  • limitations of the original payment method.

5) Intellectual Property and Content Use

  1. Ownership. Unless otherwise stated, all Website content (including text, layout, branding, and paid content) is owned by or licensed to us and is protected by applicable intellectual property laws.
  2. Limited license. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website for your personal, non-commercial purposes while you comply with these Terms.
  3. Restrictions. You may not (unless we explicitly permit it in writing):
  • reproduce, redistribute, republish, sell, rent, sublicense, or commercially exploit any content,
  • share paid content publicly or with non-subscribers,
  • remove copyright or proprietary notices,
  • create derivative works from paid content.

6) No Guarantees; Disclaimer of Warranties

To the maximum extent permitted by law:

  • The Website and all content are provided “as is” and “as available.”
  • We make no warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy, completeness, or non-infringement.
  • We do not guarantee that the Website will be uninterrupted, error-free, secure, or free of harmful components.

7) Limitation of Liability

To the maximum extent permitted by law:

  1. No liability for investment outcomes. We are not liable for any losses, damages, or costs arising from your investment decisions or from reliance on Website content (free or paid).
  2. No indirect damages. We will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost savings, loss of data, or business interruption.
  3. Cap on liability. If liability is found despite the above, our total liability for any claim related to the Website or subscription will not exceed the amount you paid to us for the subscription during the period relevant to the claim (or, if you paid nothing, then zero).

Some jurisdictions do not allow certain limitations; in that case, these limitations apply to the greatest extent permitted.

8) Third-Party Links and Services

The Website may reference or link to third-party websites, tools, brokers, exchanges, payment systems, or other services. We do not control them and are not responsible for:

  • their content or accuracy,
  • their privacy practices,
  • their terms, fees, outages, or security.

Your use of third-party services is at your own risk and subject to their terms and policies.

9) Termination and Suspension

We reserve the right to suspend or terminate access to the Website or paid content (with or without notice) if we believe you:

  • violated these Terms,
  • engaged in fraud or abuse,
  • attempted to circumvent access controls,
  • used the Website in a way that could cause harm to us, other users, or third parties.

Termination may result in loss of access to paid content. Refunds, if any, will be handled under the Refund Policy section.

10) Changes to These Terms

We may update these Terms from time to time. When we do, we will update the “Effective date” above. Your continued use of the Website after the effective date of updated Terms means you accept the updated Terms.

11) Governing Law and Dispute Resolution (Placeholder)

Because legal requirements vary by country/state, you may want to specify:

  • the governing law (jurisdiction), and
  • the dispute resolution process (courts, arbitration, venue).

If you tell me your country/state (or the legal jurisdiction you want), I can insert a precise governing-law and venue clause. Until then, you can treat this section as a placeholder to be completed.

12) Contact

For general questions about the Website or these Terms, use the contact method published on the Website (if available).

For billing issues or payment data questions, you should also contact the third-party payment provider used for subscription processing.

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