Terms and Conditions

By accessing or utilizing this website (the “Site”), you acknowledge and agree to the disclaimers and terms and conditions (“Terms”) set forth herein. It is imperative that you (hereinafter referred to as the “User,” “You,” or “Your”) read these Terms carefully. Should you disagree with these Terms, you are advised not to use the Site. These Terms pertain to your usage of the Site, which is operated and owned by Zone One OU, registered at Harju maakond, Tallinn, Lasnamae linnaoso, tuulemae tn 5, 11411, Estonia (“UPWealth,” “We,” and/or “Us”).

You must be at least 18 years of age to create an account with UPWealth. The individual who establishes the UPWealth account and whose Payment Method is charged is referred to here as the “Account Owner.”

UPWealth reserves the right, at its sole discretion, to modify, alter, add to, or remove portions of these Terms at any time by posting the revisions on the Site. It is advisable to review these Terms periodically for changes, as your continued use of the Site subsequent to any changes constitutes your acceptance of those modifications, irrespective of whether you have reviewed them, and you waive any right to receive individualized notice of such changes.

By utilizing the Site, whether as a guest or a registered user, you agree to be legally bound by these Terms as though you had executed this agreement. These Terms may be supplemented by additional terms and conditions related to specific content and activities. You acknowledge that such additional terms and conditions are incorporated by reference into these Terms. You are responsible for making all necessary arrangements to access the Site. You are also accountable for ensuring that all individuals who access the Site through your Internet connection are informed of these Terms and comply with them. Occasionally, access to certain sections of the Site, or the entire Site, may be restricted to registered users, and additional terms and conditions shall apply to such users, which you will be prompted to accept on the relevant pages.

From time to time, UPWealth and any of its officers and employees may, to the extent permitted by law, have a position or interest in the instruments—or derivatives of instruments—covered directly or indirectly by our reports.

No Investment Recommendations OR Advice; Reliance on Information

Our website serves as a financial education platform, data portal, and content aggregator. UPWealth is not a broker/dealer, nor an investment advisor, and we do not possess access to non-public information regarding publicly traded companies. This Site is not a venue for the provision or receipt of financial advice, investment decision-making counsel, or legal or tax advice. The services and information available on or through this Site are intended solely for your general information and use and do not address your specific requirements.

Particularly, the investment information, content, educational materials, strategies, alerts, and resources on this Site (collectively referred to as “Investment Information”) constitute general investment research and data for informational purposes only. The Investment Information is not personalized for you or any other recipient, does not constitute advice or a recommendation by us or other users, and should not be construed as an individualized investment recommendation. Such information is not intended to serve as a basis for making (or refraining from making) any specific investment or other decisions.

It is advisable to obtain appropriate expert independent counsel prior to making any such decision. You assume all risks associated with any use of or results derived from utilizing any services and/or information on this Site. UPWealth functions as an educational and research platform for retail traders and investors, specializing in education and the generation of statistical observations on key financial instruments. These instruments encompass, but are not limited to, shares, rolling spot foreign exchange contracts, commodity futures, contracts for differences, spread bets, futures, and government and public securities.

We will not facilitate any transactions on your behalf. The Investment Information provided on the Site is offered “AS IS” without any warranty. To the fullest extent permitted by applicable law, UPWealth is not responsible or liable for any inaccuracies, incompleteness, quality, reliability, or usefulness of any Investment Information or the results obtained from such information.

The strategies discussed on the Site may not be suitable for all users, and you alone bear the responsibility for determining whether any investment, strategy, or any other product or service is appropriate for you, based on your investment objectives and personal and financial circumstances. You are encouraged to consult an independent financial advisor, attorney, or tax professional regarding your specific investment, legal, or tax situation.

We may provide valuation tools, which are intended solely for informational and educational purposes, enabling users to conduct their own valuations. The predefined values are merely a starting point based on global assumptions applied across the market; you should adjust these values as you deem appropriate and should not consider them a substitute for your own judgment. Any resulting valuation outputs are generic in nature and are not endorsed for any specific stock by UPWealth.

Investment Warnings

We wish to emphasize the following crucial investment warnings:

1. a) The value of shares and investments, as well as the income derived from them, may fluctuate and can decline as well as appreciate;
2. b) When speculating on derivatives, losses may exceed deposits;
3. c) Investors may not recoup the amount they invested, and furthermore, losses can exceed deposits—substantial losses exceeding your capital are a tangible risk;
4. d) Past performance is not indicative of future performance;
5. e) Certain instruments, such as derivatives, may be disproportionately affected by changes in the underlying instruments upon which they are based, rendering them particularly high-risk investments;
6. f) For some instruments covered in our research, price discovery and liquidity may be influenced by market conditions, complicating transactions in those instruments or the determination of their accurate market value.

Account Access

UPWealth provides access to its educational content through a tiered account structure. You can gain access to each level by purchasing a designated package. Each package grants you access to the corresponding courses as outlined in the Packages list.

To create an account with the Site, you must possess Internet access and provide us with certain personal information, including a current, valid, accepted method of payment upon entry to the Site (which may be updated periodically, referred to as the “Payment Method”) to utilize the UPWealth service. We will bill the fee to your Payment Method in advance. We reserve the right to modify, terminate, or otherwise amend our account plans.

Billing

By initiating your account, you authorize us to charge you the applicable fee as detailed in the Packages list on our website. The fee will be charged upfront before access to the corresponding content is granted.

Cancellation

All fees are fully earned upon payment and are non-refundable, except within the first 90 days from the commencement of access, provided that you have not viewed more than 50% of the lessons made available to you.

Passwords and Account Access

The person who creates the account and whose Payment Method is charged is referred to as the Account Owner. The Account Owner has access to and control over the UPWealth account. The Account Owner’s control is exercised through the use of the Account Owner’s password, and to maintain exclusive control, the Account Owner should not disclose the password to any third party.

Furthermore, if the Account Owner wishes to prevent others from altering the Account Owner’s control, the Account Owner should refrain from disclosing the Payment Method details (e.g., last four digits of their credit or debit card) associated with their account. You are responsible for updating and maintaining the truthfulness and accuracy of the information you provide to us concerning your account.

Accounts are provided on an individual basis, and you are expressly prohibited from granting access to another person or entity. You should exercise caution regarding any communication requesting that you submit credit card or other account information. Providing your information in response to such communications may result in identity theft. Always access your sensitive account information by navigating directly to the UPWealth website rather than through a hyperlink in an email or any other electronic communication, even if it appears official. UPWealth reserves the right to place any account on hold at any time, with or without notification to the account holder, in order to protect itself and its partners from what it deems to be fraudulent activity. UPWealth is not obligated to credit or discount an account for holds placed on the account, whether by a representative of UPWealth or through the automated processes of UPWealth.

Applications

You may encounter third-party applications (including, without limitation, websites, widgets, software, or other utilities) (collectively, “Applications”) that interact with the UPWealth service. These Applications may import data related to your UPWealth account and activities and may otherwise gather data from you. Such Applications are provided solely as a convenience, and UPWealth is not responsible for these Applications. These Applications are owned or operated by third parties not affiliated with or sponsored by UPWealth. Use of any Application is at your own risk.

Acceptable Use of the Site

It is impractical to provide an exhaustive list of what constitutes acceptable and unacceptable use of this site. In general, UPWealth will not tolerate, and you agree not to engage in, any use of the site that may damage or is likely to damage our reputation or the availability or integrity of the site, which causes harm of any kind to UPWealth or its users, or which incurs, or threatens to incur, any legal, tax, financial, regulatory, or other liability (“Misuse”). We therefore request that you treat our site with respect, and you agree not to use the site for any illegal or improper purpose, or in such a manner as to infringe or breach the rights of others, or to cause or threaten to cause damage or harm to UPWealth or its users (which shall also constitute Misuse). Without limiting the foregoing, you agree not to use the site or cause or permit the site to be used:

1. a) to jeopardize or prejudice the operation, quality, or integrity of the site, or the operation, quality, or integrity of any telecommunications network;
2. b) to harvest or otherwise collect information about others, including e-mail addresses, without their consent;
3. c) for any commercial purpose, including direct marketing, surveys, contests, or pyramid schemes, nor to use the site to participate in or cause others to participate in sending chain letters, junk e-mail, spam, duplicative or unsolicited messages, or advertising or promotional material;
4. d) to distribute, download, upload, or transmit any material containing viruses, Trojan horses, worms, or any other harmful or detrimental programs;
5. e) to stalk or harass anyone, or to impersonate any person or entity, or otherwise misrepresent your affiliation with any person or entity;
6. f) to attack the site via a denial-of-service attack; or
7. g) contrary to the terms and conditions of any Internet Service Provider you may use.

Any use of the site in a manner prohibited by these Terms will constitute Misuse. We also request that you comply with any relevant notices, policies, and terms imposed by third parties whose websites, products, or services you access through the site.

We reserve the right to suspend the use of the site generally or block your access to all or any part of the site and/or to suspend or terminate your rights to use the site or any part of it at any time and for any reason (or for no reason), including if we suspect Misuse. We further reserve the right to report any Misuse of the site to the relevant enforcement or other authorities and to our legal advisers. We also reserve the right to disclose any evidence we have that relates directly or indirectly to Misuse of this site.

If any material on this site, or your use of this site, is contrary to the laws of the jurisdiction in which you are located, then this site is not intended for your use, and we request that you refrain from using this site. You are responsible for compliance with the laws of the jurisdiction in which you are located.

Intellectual Property

All materials incorporated in or accessible through the site, including, without limitation, text, photographs, images, graphics, illustrations, logos, button icons, audio clips, video clips, software, tools, data, information, and all other content, as well as the compilation, collection, arrangement, and assembly thereof (including the look and feel of the site) (collectively, “Site Materials”), are protected by international copyright laws, and are owned, controlled, or licensed by UPWealth or by the original creators of such materials or their permitted licensors. All such rights are reserved.

Such Site Materials may be used solely for viewing the site in the ordinary course or as a resource for availing yourself of the services offered through the site. Any other use of the site or the Site Materials, including any copying, reproduction, modification, sale, distribution, extraction, scraping, data mining, re-utilization, transmission, republication, downloading, display, posting, performance, or other exploitation thereof by any means or medium without the prior written permission of the copyright owner is strictly prohibited.

UPWealth, the UPWealth logo, and any other company, product, or service name, logo, or slogan contained on the site (the “Marks”) are trademarks of UPWealth or its suppliers, publishers, or licensors, and may not be copied, imitated, or used, in whole or in part, without the prior written permission of UPWealth or the applicable trademark holder. You may not use any metatags or any other “hidden text” utilizing such Marks without prior written permission. Furthermore, the look and feel of the site, including all page headers, custom graphics, button icons, and scripts, are the service mark, trademark, and/or trade dress of UPWealth and may not be copied, imitated, or used, in whole or in part, without our prior written permission.

You must not use any part of the Site Materials on the site for commercial purposes without obtaining a license to do so from UPWealth or our licensors. If you use the site, the Site Materials, or the Marks other than as specifically authorized herein, without the prior written permission of UPWealth, you will be in breach of these Terms, and your right to use the site will cease immediately. Such unauthorized use may also violate applicable laws, including, without limitation, copyright and trademark laws, and applicable communications regulations and statutes. You must, at our option, return or destroy any copies of the materials you have made.

Reference to any products, services, processes, companies, or other information, by trade name, trademark, manufacturer, supplier, or otherwise, does not constitute or imply endorsement, sponsorship, or recommendation thereof by us. All Site Materials contained in and published on the site by UPWealth or posted by our users are intended for the non-commercial use of the user. Subject to these Terms, we grant you a non-exclusive, non-transferable, limited license to access and use the site and any publicly available Site Materials displayed thereon, except where such use is otherwise prohibited or restricted. However, no rights, title, or interest in any such Site Materials will be granted or transferred to you as a result of any permitted use of such Site Materials.

Unless explicitly stated herein, nothing in these Terms shall be construed as conferring any license to intellectual property rights, whether by estoppel, implication, or otherwise. This license is revocable at any time.

Third Party Materials

UPWealth may provide access to or links to third-party information, content, products, services, or other materials on or through the site (collectively, “Third Party Materials”) as a service to those interested in such Third Party Materials. UPWealth does not screen, approve, monitor, or have any control over any Third Party Materials and is not responsible or liable for such Third Party Materials in any manner or for any harm caused thereby. You will be solely responsible for any harm, including any damage to your computer system or loss of data that results from the use or download of any Third Party Materials. All Third Party Materials are provided on an “as-is” basis with all faults.

UPWealth does not endorse or adopt any Third Party Materials and can make no guarantee as to the quality, accuracy, completeness, reliability, safety, timeliness, or appropriateness of such Third Party Materials. UPWealth does not make any representations or warranties of any kind regarding the Third Party Materials and undertakes no responsibility to update or review any Third Party Materials. Users utilize such Third Party Materials at their own risk.

Account Registration

Certain features of the site may require that you register prior to accessing such features.

If you register, you agree to:

1. a) provide accurate, current, and complete information about yourself as prompted by any registration forms on the site (“Registration Data”);
2. b) maintain the security of your password and identification;
3. c) maintain and promptly update the Registration Data and any other information you provide to UPWealth, ensuring that it remains accurate, current, and complete;
4. d) accept all risks of unauthorized access to the Registration Data and any other information you provide to UPWealth.

Disclaimer of Warranties

We do not warrant that the site will be continuously available, or that your use of the site will be uninterrupted or error-free, or that the site and its server will be free from attack. This site, the Site Materials (including all user content as defined below), and all products and services offered on or in connection with the site are provided on an “as is” basis.

To the fullest extent permitted by applicable law, UPWealth disclaims all warranties, express or implied, including, without limitation, implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, as to the site, the Site Materials, and all products and services offered on or in connection with the site. Neither UPWealth nor any of our respective licensors, licensees, service providers, or suppliers warrant that the site or any function contained on the site will be uninterrupted or error-free, that defects will be corrected, or that the site or the servers that make the site available are free from viruses or other harmful components.

We do not warrant or make any representations regarding the use or the results of the use of the Site Materials or any third-party site accessed through the site in terms of their correctness, accuracy, timeliness, reliability, or otherwise, and you will be solely responsible for any damage to your computer system or loss of data that results from the download of any such product, offering, content, or material.

We do not warrant that the services or information provided on or through this site will be correct, complete, accurate, adequate, up-to-date, or fit for any particular purpose. Furthermore, please note that no advice or information obtained by you from our personnel or through this site shall create any warranty not expressly provided for in these Terms. You are responsible for validating the integrity of any information received over the internet. These disclaimers apply to the fullest extent permitted by law.

Advertising

Parts of the site may contain advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on the site complies with international and national law. UPWealth will not be responsible for any error or inaccuracy in advertising materials.

Limitation of Liability

You expressly understand and agree that (to the fullest extent permitted by law) UPWealth and its directors, members, employees, or agents shall not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages, or any other damages whatsoever, including but not limited to, damages for loss of profits (whether direct or indirect), contracts, income or revenue, goodwill, anticipated savings, data, or other intangible and/or economic losses (even if we have been advised of the possibility of such damages), arising out of or resulting from:

1. a) the use or the inability to use the site;
2. b) the use of, inability to use, or reliance upon any content or other Site Materials on or offered through the site or any website or websites linked to the site;
3. c) unauthorized access to or alteration of your transmissions or data;
4. d) statements or conduct of any third party on the site; and/or
5. e) any other matter relating to the site.

In no event shall the aggregate liability of UPWealth, whether in contract, warranty, tort (including negligence, whether active, passive, or imputed), product liability, strict liability, or other theory, arising out of or relating to the use of or inability to use the site or the Site Materials exceed any compensation you pay, if any, directly to UPWealth in connection with the site and the Site Materials.

The foregoing does not affect our liability for death or personal injury arising from our negligence, our liability for fraudulent misrepresentation, nor any other liability which cannot be excluded or limited under applicable law. If you are dissatisfied with any portion of the site, or with any of these Terms, your sole and exclusive remedy is the discontinuation of your use of this site.