The following terms and conditions govern all use of the Koinexpert.com website and all content, services and products available at or through the website, including, but not limited to, the Koinexpert.com Forums located at https://www.koinexpert.com/forums (‘Forum’, 'Forums'), the Portfolio Manager ('My Portfolio') and all other features of Koinexpert.com.

The Website is offered subject to your acceptance without modification of all of the terms and conditions contained herein and all other operating rules, policies (including, without limitation, the Koinexpert.com Privacy Policy) and procedures that may be published from time to time on this Site (collectively, the “Agreement” ).

Please read this Agreement carefully before accessing or using the Website. By accessing or using any part of the web site, you agree to become bound by the terms and conditions of this agreement. If you do not agree to all the terms and conditions of this agreement, then you may not access the Website or use any services. If these terms and conditions are considered an offer, acceptance is expressly limited to these terms. The Website is available only to individuals who are at least 13 years old.

1. Disclaimer

Most of the content on Koinexpert.com is generated by the users who post content in the forum section. Koinexpert administrators monitor the quality of the information posted on our Forums and do our best to delete spam or otherwise inaccurate or false posts. However, we do not make any representation or warranty about the accuracy, reliability, currency or completeness of any material contained anywhere on this website, including the forums or on any linked site. Links to other websites are inserted for convenience and do not constitute endorsement of material at those sites, or any associated organisation, product or service.

The information contained on this website is of a general nature and intended as a guide only. It is neither to be construed as financial advice nor to be regarded as a definitive analysis of any financial, legal or other issue. Individuals must not rely on this information to make a financial or investment decision. Before making any decision, we recommend you consult a financial planner/advisor to take into account your particular investment objectives, financial situation and individual needs.This website is not a substitute for independent professional advice and users should obtain any appropriate professional advice relevant to their particular circumstances.

In some cases the material on this website may incorporate or summarise views, standards or recommendations of third parties or comprise material contributed by third parties (‘third party material’). Such third party material is assembled in good faith, but does not necessarily reflect the considered views of Koinexpert, or indicate a commitment to a particular course of action. Koinexpert.com makes no representation or warranty about the accuracy, reliability, currency or completeness of any third party information.

You should exercise your own independent skill and judgment before you rely on any information posted on this website. Koinexpert.com and its directors, officers and employees shall not be responsible and disclaims all liability for any loss, damage (whether direct, indirect, special or consequential) and/or expense of any nature whatsoever, which may be suffered as a result of or which may be attributable, directly or indirectly, to the use of, or reliance upon any information, links or service provided through this website.

Koinexpert.com is not liable for any loss resulting from any action taken or reliance made by you on any information or material posted on the website (including, without limitation, third party information). You obtain access to this website at your own risk and Koinexpert.com accepts no responsibility for any interference, loss, damage or disruption to your own computer system which arises in connection with your use of this website or any linked website. You must take your own precautions to ensure that the process which you employ to obtain access to this website does not expose you to the risk of viruses, malicious computer code or other forms of interference which may damage your own computer system.

The Website is provided “as is”. Koinexpert.com and its suppliers and licensors hereby disclaim all warranties of any kind, express or implied, including, without limitation, the warranties of merchantability, fitness for a particular purpose and non-infringement. Neither Koinexpert.com nor its suppliers and licensors, makes any warranty that the Website will be error free or that access thereto will be continuous or uninterrupted. You understand that you download from, or otherwise obtain content or services through, the Website at your own discretion and risk.

2. Your KoinExpert.com Account

You are responsible for maintaining the security of your account and you are fully responsible for all activities that occur under the account and any other actions taken in connection with the forum.

You must not post misleading or unlawful content, including content intended to trade on the name or reputation of others.

You must immediately notify Koinexpert.com of any unauthorized uses of your account or any other breaches of security. We will not be liable for any acts or omissions by You, including any damages of any kind incurred as a result of such acts or omissions.

3. Website Content and Forum Content

If you post material to our Website, post links on the Website, or otherwise make (or allow any third party to make) material available by means of the Website (any such material, “Content”), You are entirely responsible for the content of, and any harm resulting from, that Content. That is the case regardless of whether the Content in question constitutes text, graphics, an audio file, or computer software. By making Content available, you represent and warrant that:

  • The downloading, copying and use of the Content will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark or trade secret rights, of any third party;
  • If your employer has rights to intellectual property you create, you have either (i) received permission from your employer to post or make available the Content, including but not limited to any software, or (ii) secured from your employer a waiver as to all rights in or to the Content;
  • You have fully complied with any third-party licenses relating to the Content, and have done all things necessary to successfully pass through to end users any required terms; The Content does not contain or install any viruses, worms, malware, Trojan horses or other harmful or destructive content;
  • The Content is not spam, is not machine- or randomly-generated, and does not contain unethical or unwanted commercial content designed to drive traffic to third party sites or boost the search engine rankings of third party sites, or to further unlawful acts (such as phishing) or mislead recipients as to the source of the material (such as spoofing);
  • The Content is not pornographic, libelous or defamatory, does not contain threats or incite violence towards individuals or entities, and does not violate the privacy or publicity rights of any third party;
  • Your content is not getting advertised via unwanted electronic messages such as spam links on newsgroups, email lists, other forums and web sites, and similar unsolicited promotional methods;
  • Your content is not named in a manner that misleads your readers into thinking that you are another person or company. For example, your forum’s URL or name is not the name of a person other than yourself or company other than your own; and
  • You have, in the case of Content that includes computer code, accurately categorized and/or described the type, nature, uses and effects of the materials, whether requested to do so by Koinexpert.com or otherwise.

By submitting Content to Koinexpert.com for inclusion on your Website, you grant Koinexpert.com a world-wide, royalty-free, and non-exclusive license to reproduce, modify, adapt and publish the Content solely for the purpose of displaying, distributing and promoting your forum. If you delete Content, Koinexpert.com will use reasonable efforts to remove it from the Website, but you acknowledge that caching or references to the Content may not be made immediately unavailable.

Without limiting any of those representations or warranties, Koinexpert.com has the right (though not the obligation) to, in Koinexpert.com’s sole discretion (i) refuse or remove any content that, in Koinexpert.com’s reasonable opinion, violates any Koinexpert.com policy or is in any way harmful or objectionable, or (ii) terminate or deny access to and use of the Website to any individual or entity for any reason, in Koinexpert.com’s sole discretion. Koinexpert.com will have no obligation to provide a refund of any amounts previously paid.

We have not reviewed, and cannot review, all of the material, including computer software, made available through the websites and webpages to which Koinexpert.com links, and that link to Koinexpert.com. Koinexpert.com does not have any control over those non-Koinexpert.com websites and webpages, and is not responsible for their contents or their use. By linking to a non-Koinexpert.com website or webpage, Koinexpert.com does not represent or imply that it endorses such website or webpage. You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content. Koinexpert.com disclaims any responsibility for any harm resulting from your use of non-Koinexpert.comForums websites and webpages.

4. Copyright / Intellectual Property

As Koinexpert.com asks others to respect its intellectual property rights, it respects the intellectual property rights of others. If you believe that material located on or linked to by Koinexpert.comForums.com violates your copyright, you are encouraged to notify Koinexpert.com. Koinexpert.com will respond to all such notices, including as required or appropriate by removing the infringing material or disabling all links to the infringing material. In the case of a visitor who may infringe or repeatedly infringes the copyrights or other intellectual property rights of Koinexpert.com or others, Koinexpert.com may, in its discretion, terminate or deny access to and use of the Website. In the case of such termination, Koinexpert.com will have no obligation to provide a refund of any amounts previously paid to Koinexpert.com.

This Agreement does not transfer from Koinexpert.com to you any Koinexpert.com or third party intellectual property, and all right, title and interest in and to such property will remain (as between the parties) solely with Koinexpert.com. Koinexpert.com, Koinexpert.comForums, Koinexpert.comForums.com, the Koinexpert.comForums.com logo, and all other trademarks, service marks, graphics and logos used in connection with Koinexpert.comForums.com, or the Website are trademarks or registered trademarks of Koinexpert.com or Koinexpert.com’s licensors. Other trademarks, service marks, graphics and logos used in connection with the Website may be the trademarks of other third parties. Your use of the Website grants you no right or license to reproduce or otherwise use any Koinexpert.com or third-party trademarks.

5. Modification

Koinexpert.com reserves the right, at its sole discretion, to modify or replace any part of this Agreement. It is your responsibility to check this Agreement periodically for changes. Your continued use of or access to the Website following the posting of any changes to this Agreement constitutes acceptance of those changes. Koinexpert.com may also, in the future, offer new services and/or features through the Website (including, the release of new tools and resources). Such new features and/or services shall be subject to the terms and conditions of this Agreement.

6. Termination

You may terminate your account on Koinexpert.com at any time by contacting hello@Koinexpert.com.

YOU ARE SOLELY RESPONSIBLE FOR TERMINATING YOUR ACCOUNT, THIS AGREEMENT, AND YOUR SUBSCRIPTION AUTHORIZATION AGREEMENT. WE ARE NOT RESPONSIBLE FOR YOUR FAILURE TO PROPERLY TERMINATE YOUR ACCOUNT AND THIS AGREEMENT OR FOR ANY CREDIT CARD OR OTHER CHARGES OR FEES YOU INCUR AS A RESULT OF YOUR FAILURE TO PROPERLY TERMINATE THIS AGREEMENT.

Koinexpert.com may terminate your access to all or any part of the Website at any time, with or without cause, with or without notice, effective immediately. Notwithstanding the foregoing, if you have a paid subscription plan or signed agreement with Koinexpert.com, such account can only be terminated by Koinexpert.com if you materially breach this Agreement and fail to cure such breach within thirty (30) days from Koinexpert.com’s notice to you thereof; provided that, Koinexpert.com can terminate the Website immediately as part of a general shut down of our service. All provisions of this Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

7. Limitation of Liability and Warranty

In no event will Koinexpert.com, or its suppliers or licensors, be liable with respect to any subject matter of this agreement under any contract, negligence, strict liability or other legal or equitable theory for: (i) any special, incidental or consequential damages; (ii) the cost of procurement or substitute products or services; (iii) for interruption of use or loss or corruption of data; or (iv) for any amounts that exceed the fees paid by you to Koinexpert.com under this agreement during the twelve (12) month period prior to the cause of action. Koinexpert.com shall have no liability for any failure or delay due to matters beyond their reasonable control. The foregoing shall not apply to the extent prohibited by applicable law.

You represent and warrant that (i) your use of the Website will be in strict accordance with the Koinexpert.com Privacy Policy, with this Agreement and with all applicable laws and regulations (including without limitation any local laws or regulations in your country, state, city, or other governmental area, regarding online conduct and acceptable content, and including all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside) and (ii) your use of the Website will not infringe or misappropriate the intellectual property rights of any third party.

You agree to indemnify and hold harmless Koinexpert.com, its contractors, and its licensors, and their respective directors, officers, employees and agents from and against any and all claims and expenses, including attorneys’ fees, arising out of your use of the Website, including but not limited to your violation of this Agreement.

8. Agreement

This Agreement constitutes the entire agreement between Koinexpert.com and you concerning the subject matter hereof, and they may only be modified by a written amendment signed by an authorized executive of Koinexpert.com, or by the posting by Koinexpert.com of a revised version. The Agreement shall be governed by the laws of Canada without regard to its choice or law or conflict of laws provisions. All legal actions in connection with the Agreement shall be brought in the state or federal courts located in Montreal, Quebec, Canada. The prevailing party in any action or proceeding to enforce this Agreement shall be entitled to costs and attorneys’ fees. If any part of this Agreement is held invalid or unenforceable, that part will be construed to reflect the parties’ original intent, and the remaining portions will remain in full force and effect. A waiver by either party of any term or condition of this Agreement or any breach thereof, in any one instance, will not waive such term or condition or any subsequent breach thereof. Rights under this Agreement may be assigned to any party that consents to, and agrees to be bound by, its terms and conditions; Koinexpert.com may assign its rights under this Agreement without condition. This Agreement will be binding upon and will inure to the benefit of the parties, their successors and permitted assigns.