Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and CapitalFlow Ltd. ("CapitalFlow," "we," "us," or "our"), a company registered in England and Wales with company number 10483572, with its registered office at 48 Moorgate, London, EC2R 6EL, United Kingdom. These Terms govern your access to and use of the CapitalFlow website located at capitalflow.com (the "Website") and all related services, tools, content, research materials, and educational programs (collectively, the "Services").

By accessing, browsing, or using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree with any part of these Terms, you must discontinue use of the Website and Services immediately. Your continued use of the Website after any modifications to these Terms constitutes acceptance of those modifications.

You represent and warrant that you are at least 18 years of age and have the legal capacity to enter into a binding agreement. If you are using the Services on behalf of a company, organization, or other entity, you represent that you have the authority to bind that entity to these Terms, in which case "you" and "your" refer to that entity.

Certain features of the Services may be subject to additional terms, conditions, or policies, which will be presented to you at the time of access. Such supplementary terms are incorporated into and form part of these Terms. In the event of a conflict between these Terms and any supplementary terms, the supplementary terms will prevail with respect to the specific feature or service in question.

CapitalFlow provides financial education, investment research, stock market analysis, structured investment programs, portfolio management guidance, and related resources. Our Services are designed to help individuals make more informed decisions about their financial futures. The core offerings include:

• Stock Analysis: Research reports, performance assessments, and technical and fundamental analysis on equities listed across major global exchanges. Reports are prepared by our analyst team and published on a regular schedule.
• Financial Programs: Structured educational courses spanning 8 to 16 weeks that cover topics including portfolio construction, sector rotation, derivatives, and tax-efficient investing strategies. Programs include live sessions, recorded materials, and interactive case studies.
• Investment Strategy Consulting: One-on-one consultations with our strategy team to design personalized asset allocation plans based on individual goals, risk tolerance, and time horizons.
• Portfolio Management Services: Ongoing monitoring, rebalancing recommendations, and quarterly performance reviews for clients who wish to have professional oversight of their investment portfolios.
• Research Library and Guides: A collection of in-depth articles, tutorials, and sector analyses written by certified financial analysts, available through the Website.

CapitalFlow does not provide personalized financial advice within the meaning of the Financial Conduct Authority (FCA) regulations unless explicitly stated in a separate engagement agreement. The content on this Website is for informational and educational purposes. You should consult with a qualified and regulated financial adviser before making any investment decisions based on the information provided through our Services.

We reserve the right to modify, suspend, or discontinue any part of the Services at any time, with or without notice. We will make reasonable efforts to notify registered users of significant changes to the Services through email or Website announcements.

By using the Website and Services, you agree to comply with the following obligations. Violation of any of these terms may result in the suspension or termination of your access without prior notice.

Lawful Use: You agree to use the Website and Services only for lawful purposes and in accordance with all applicable local, national, and international laws and regulations. You must not use the Services in any manner that could damage, disable, overburden, or impair the Website's functionality or interfere with other users' ability to access and enjoy the Services.

Account Security: If you create an account with CapitalFlow, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. CapitalFlow is not liable for any loss arising from unauthorized access to your account.

Prohibited Activities: You must not engage in any of the following activities in connection with the Services:

• Scraping, crawling, or using automated tools to extract data from the Website without written permission
• Impersonating any person or entity, or falsely claiming an affiliation with any person or entity
• Uploading, posting, or transmitting any content that is unlawful, harmful, threatening, abusive, defamatory, or otherwise objectionable
• Attempting to gain unauthorized access to any portion of the Website, other users' accounts, or any computer systems or networks connected to the Website
• Distributing, reproducing, or reselling any content, research reports, or educational materials obtained through the Services without explicit written authorization from CapitalFlow
• Using the Services to send unsolicited communications, chain letters, or spam
• Engaging in any activity that could constitute market manipulation, insider trading, or any other violation of securities laws

Accurate Information: When submitting information through forms, registration processes, or consultation requests, you agree to provide accurate, current, and complete information. You are responsible for updating your information if it changes. Providing false or misleading information may result in the termination of your access to the Services.

All content, materials, and intellectual property available through the Website and Services, including but not limited to text, research reports, analysis, graphics, logos, images, software, course materials, video content, and website design, are owned by or licensed to CapitalFlow Ltd. and are protected by copyright, trademark, and other intellectual property laws of the United Kingdom and applicable international treaties.

The CapitalFlow name, logo, and all related product and service names, design marks, and slogans are trademarks of CapitalFlow Ltd. You are not permitted to use these marks without our prior written consent. All other trademarks, product names, and company names or logos mentioned on the Website are the property of their respective owners.

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website and its content for your personal, non-commercial use only. This license does not permit you to:

• Reproduce, distribute, or publicly display any content from the Website without prior written authorization
• Modify, adapt, translate, reverse engineer, or create derivative works based on any content or software provided through the Services
• Remove, alter, or obscure any copyright, trademark, or other proprietary notices from any content
• Use any content for commercial purposes, including resale, redistribution, or incorporation into other products or services

If you are enrolled in a paid program and have purchased access to specific course materials, your license extends only to personal viewing and study use of those materials for the duration of your enrollment. Sharing, copying, or distributing program materials with third parties is strictly prohibited and constitutes a material breach of these Terms.

CapitalFlow makes no warranties or representations, whether express, implied, statutory, or otherwise, regarding the Website or Services. To the fullest extent permitted by applicable law, we disclaim all implied warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy.

We do not warrant that the Website will be available at all times, uninterrupted, secure, or error-free. We do not warrant that any defects will be corrected or that the Website is free of viruses or other harmful components. While we strive to provide accurate and up-to-date information, we do not guarantee the accuracy, completeness, reliability, or timeliness of any content, research reports, or other materials available through the Services.

The financial information, stock analysis, investment opinions, and educational content provided through the Services are for general informational and educational purposes only. They do not constitute and should not be construed as personalized financial advice, tax advice, legal advice, or a recommendation to buy, sell, or hold any particular security, investment product, or financial instrument.

All investments carry risk, including the potential loss of principal. The value of investments and the income derived from them may go down as well as up, and you may not recover the original amount invested. You acknowledge that you are solely responsible for your investment decisions and should seek independent financial advice from a regulated professional adviser before acting on any information obtained through our Services.

To the maximum extent permitted by applicable law, CapitalFlow Ltd., its directors, officers, employees, agents, partners, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to damages for loss of profits, revenue, data, goodwill, or other intangible losses, arising out of or in connection with:

• Your use of or inability to use the Website or Services
• Any investment decisions you make based on information obtained through the Services
• Unauthorized access to or alteration of your data or transmissions
• Statements or conduct of any third party on the Website
• Any content, errors, or omissions in any research report, analysis, or educational material
• Any interruption, suspension, or termination of the Services

In no event shall the total aggregate liability of CapitalFlow to you for all claims arising out of or relating to the use of or inability to use the Website or Services exceed the greater of: (a) the amount you have actually paid to CapitalFlow for Services in the twelve (12) months preceding the claim; or (b) one hundred pounds sterling (GBP 100).

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable law, including the Consumer Rights Act 2015 where applicable.

You agree to indemnify, defend, and hold harmless CapitalFlow Ltd., its directors, officers, employees, agents, licensors, and service providers from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees and court costs) arising out of or in connection with:

• Your use of the Website or Services in violation of these Terms
• Your violation of any applicable law, regulation, or third-party rights
• Any content or information you submit, post, or transmit through the Services
• Your negligence, willful misconduct, or breach of any representation or warranty made under these Terms
• Any investment decision you make based wholly or partially on information obtained through the Services

CapitalFlow reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you. In such a case, you agree to cooperate with CapitalFlow in asserting any available defenses. This indemnification obligation survives the termination of these Terms and your use of the Website and Services.

The Website may contain links to third-party websites, applications, or resources that are not owned, operated, or controlled by CapitalFlow. These links are provided for your convenience and informational purposes only. The inclusion of any link does not imply our endorsement, affiliation, sponsorship, or approval of the linked website or its content, products, or services.

CapitalFlow has no control over and assumes no responsibility for the content, privacy policies, security practices, or availability of any third-party websites. You acknowledge and agree that we are not responsible or liable, directly or indirectly, for any damage, loss, or expense caused or alleged to be caused by or in connection with your use of or reliance on any content, goods, or services available through any third-party website.

We encourage you to read the terms of service and privacy policy of any third-party website that you visit from a link on our Website. Your interactions with third-party websites are solely between you and the third party, and any disputes arising from such interactions do not involve CapitalFlow.

Your privacy is important to us. Our collection, use, storage, and protection of personal data is governed by our Privacy Policy, which can be found at capitalflow.com/privacy/. The Privacy Policy is incorporated into and forms a part of these Terms by reference.

By using the Website and Services, you acknowledge that you have read and understood our Privacy Policy and consent to the collection and processing of your personal data as described therein. If you do not agree with any aspect of our Privacy Policy, please discontinue use of the Website and Services.

We comply with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. You have certain rights regarding your personal data, including the right to access, correct, delete, and restrict the processing of your data. For detailed information about these rights and how to exercise them, please refer to our Privacy Policy or contact our privacy team at [email protected].

These Terms, and any dispute or claim arising out of or in connection with them or their subject matter (including non-contractual disputes or claims), shall be governed by and construed in accordance with the laws of England and Wales.

Both you and CapitalFlow agree that 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 or their subject matter, except where you are a consumer resident in another part of the United Kingdom, in which case you may bring proceedings in either the courts of England and Wales or the courts of your country of residence.

If you are a consumer located within the European Economic Area, you may also have the right to bring proceedings before the courts of your country of habitual residence. Nothing in these Terms affects your statutory rights as a consumer under applicable law.

In the event of any dispute, claim, or controversy arising out of or relating to these Terms or the Services, we encourage you to first attempt to resolve the matter informally by contacting us at [email protected]. We commit to responding to any complaint within ten (10) business days and will work in good faith to reach a mutually satisfactory resolution.

If the dispute cannot be resolved informally within thirty (30) calendar days of your initial written notice, either party may pursue formal resolution. For disputes not involving consumer statutory rights, both parties agree to submit the dispute to binding arbitration administered by the London Court of International Arbitration (LCIA) under its arbitration rules in force at the time of the dispute. The arbitration shall be conducted in London, England, in the English language, and the arbitrator's decision shall be final and binding.

Nothing in this section prevents either party from seeking interim or injunctive relief from a court of competent jurisdiction where necessary to protect intellectual property rights or prevent irreparable harm. If you are a consumer, this section does not affect your right to bring a claim before the competent courts as described in Section 10 above, or to make use of any applicable alternative dispute resolution (ADR) scheme.

CapitalFlow reserves the right to suspend, restrict, or terminate your access to the Website and Services, in whole or in part, at any time and for any reason, including but not limited to:

• Breach of any provision of these Terms
• Engaging in fraudulent, abusive, or illegal activity
• Providing false or misleading information during registration or use of the Services
• Non-payment of fees for paid Services (following a reasonable notice period of at least 7 days)
• Requests by law enforcement or other government agencies

You may terminate your relationship with CapitalFlow at any time by discontinuing use of the Website and Services. If you have a registered account, you may request account deletion by contacting us at [email protected]. We will process your request within thirty (30) days, subject to any legal obligations requiring us to retain certain data.

Upon termination, all rights and licenses granted to you under these Terms will immediately cease. Sections relating to intellectual property, disclaimers, limitation of liability, indemnification, governing law, and dispute resolution shall survive termination and continue to apply.

CapitalFlow reserves the right to update, modify, or replace any part of these Terms at our sole discretion. When we make changes, we will update the "Last Updated" date at the top of this page. For material changes that significantly affect your rights or obligations, we will provide at least fourteen (14) days' advance notice before the changes take effect. Notice may be provided through:

• A prominent notice posted on the Website
• An email notification sent to the address associated with your account
• A notification within the Services dashboard, if applicable

Your continued use of the Website and Services following the effective date of any changes constitutes your acceptance of the revised Terms. If you do not agree with the updated Terms, you should discontinue your use of the Services before the changes take effect and, if applicable, request the closure of your account.

We recommend that you review these Terms periodically to stay informed about any updates. The current version of these Terms will always be available at capitalflow.com/terms/.

If you have any questions, concerns, or feedback regarding these Terms of Service, please contact us using the information below. We aim to respond to all inquiries within five (5) business days.