Last Updated: 11/01/2024
Introduction
Welcome to the Invetso website (the “Website”). These Terms of Service govern your use of our website and services. By accessing the Website or using Invetso, LLC’s services (“Services”), you agree to be bound by these Terms.Invetso, LLC (the “Company”) may change these Terms at any time in its sole and absolute discretion, and may post a notice on the Website of any material changes. Your continued use of the Website and/or Services means that you accept any new or modified terms and conditions; accordingly, please be sure to review these Terms from time to time.
You understand and acknowledge that the Website and some Services are works in progress. Company reserves the right to change, eliminate, or otherwise modify the Website and/or the availability of Services, with or without notice, at Company’s sole and absolute discretion.
Description of Services
Invetso provides analyses of stocks using frameworks such as SWOT analysis, PESTLE analysis, and Porters Five Forces, among others. Our analyses are generated using AI technologies and are intended for informational purposes only. We do not offer financial advice or make specific stock recommendations.
Subscriptions
The Company offers the Services to users via free and premium subscription plans. The premium subscription is billed either monthly or annually at the current pricing listed on the Website at www.invetso.com/pricing. All subscription payments are processed through third-party payment processors (currently, Stripe), which comply with financial transaction regulations PCI DSS; the Company reserves the right, in its sole discretion, to add or remove available payment providers for transaction processing. When subscribing to a premium subscription, you will need to provide your name, email address, and billing address. You agree to pay the applicable subscription fees as set forth in these Terms and/or on the Website. BY PLACING YOUR ORDER, YOU PROVIDE YOUR ELECTRONIC AUTHORIZATION FOR RELATED CHARGES AND ANY FUTURE CHARGES FOR SERVICES AGAINST YOUR CREDIT CARD ON FILE, UNTIL THE EFFECTIVE DATE OF YOUR TERMINATION OF YOUR SUBSCRIPTION PURSUANT TO THESE TERMS.
Unless stated otherwise, subscriptions to any Services are for online and/or electronic access only. Some services may be delivered via email. Such emails may not be considered “marketing emails”, and will have no opt-out option other than cancellation of your subscription. Subscriptions may not be transferred to a third party without the express written consent of Invetso.
Refunds and Termination of Account
All Invetso subscription purchases are final and non-refundable. You may cancel your account at any time through the available options located in the “settings” section of your account page. After submitting the request to cancel, you will receive an email confirming the termination of your account, to the email address associated with your terminated account. Following cancellation, you will still have access to the service for the remainder of the billing period that has already been paid.
User Accounts and Accuracy of Information
To access the Services, you need to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You certify that all information provided to create your account is accurate. You also agree to maintain and update your information as necessary so that it remains accurate and current. In the event that you provide information that is inaccurate or not up to date, Company reserves the right to cancel your subscription.
Register an Account
To register for an account, go to: www.invetso.com/signup Enter the requested information on the account registration form and click “sign up.” You will receive a confirmation email within a few minutes of signing up for your account.
Sign Up for Premium or Change Subscription Preferences
Once your account is created, you can upgrade to a premium account, or change your premium account to a free account, by going to the “Profile” section of your account and then selecting “Manage Subscription;” from there, you can click to choose whether you want a free account or a premium account.
Credit Card Information
When you select a premium account, you will be asked to enter credit card information before you can click on the “Subscribe” button to activate your premium account. Credit card payments will be processed in accordance with these Terms and related data and information will be handled as described in the Invetso, LLC Privacy Policy.
Account Reactivation
If you terminate your account, you may reactivate it within six (6) months of the date on which you terminated your account.
User Conduct
You agree not to use the Services for any unlawful purpose or in any way that might harm, disrupt, or impair the functionality of Services. You agree that you will not reproduce, duplicate, copy, sell, trade, or resell the Website or the Services or any portion thereof for any purpose. Prohibited activities include but are not limited to the following and you agree that you will not:
Intellectual Property
All content and materials on the Website and/or in or comprising the Services, including without limitation analyses, text, graphics, and logos, are the property of Company and/or providers of the content under license, and are protected by intellectual property laws. You understand and acknowledge that you may only use the Website and the Services for your own personal use, and you may not use, reproduce, or distribute any content from the Website or the Services for any other use without our prior written permission, including without limitation sharing and editing analyses or any other content made available on or through the Services or the Website.
Invetso is not responsible for any modifications that users make to downloaded content. Users bear full responsibility for any edits or changes that they make to any downloaded content and are solely responsible for how that information is used and shared outside of the Website.
Confidentiality
You are not permitted to share, publish, transmit, or otherwise reproduce any information provided through the Services, in whole or in part, in any format to any third party without the express written consent of Company. In addition, you are not permitted to alter, obscure, or remove any copyright, trademark or any other notices that are provided to you in connection with the information. These Terms are not intended to, and will not, transfer or grant any rights in or to the information other than those which are specifically described herein, and all rights not expressly granted herein are reserved by Company or the third party providers from whom Company has obtained the information. You are required to read and abide by any additional terms and conditions that may be posted on the Website from time to time, including those that concern information obtained from specific third-party providers. Such third-party providers shall have no liability to you for monetary damages on account of the information provided to you via the Services.
No Personalized Advice; You Bear Responsibility for Your Investment Decisions Company does not provide personalized investment advice; Company does not know your personal circumstances, nor does it know the relevant facts about you and your individual needs and risk tolerance. Company does not claim or represent that any particular Service or content is suitable for you. Accordingly, you understand and agree that any analysis, rating, or review provided or contained on the Website or in the Services does not constitute a recommendation or suggestion of any particular investment opportunity, strategy, security, or any other action or omission, nor do any of the foregoing constitute any recommendation, suggestion, or inference as to the suitability of any particular investment for you or any other party. Company encourages you to seek personalized investment advice from a qualified and appropriately licensed wealth advisor or investment professional, as well as your own tax and legal advisors. Company will not, and cannot, trade on your behalf at your brokerage or any other financial institution. Only you can decide whether a stock or other security is suitable for you and you acknowledge and understand that you are solely liable for any and all trades that you initiate at or through your brokerage or any other investment account regardless of whether such action is based on news, information, opinion, data, or any other material published or derived through the Website or the Services. You understand and agree that you bear sole responsibility for your own investment research and investment decisions. You further agree and understand that that Company, its directors, its employees, and its agents are not and will not be liable for any investment decision made or any action taken by you and/or others based on any news, information, opinion, data, or other material published or derived through the Services.
You understand and acknowledge that the contents of the Website and the Services are not and shall not be construed to be legal, accounting, business, or tax advice and you agree that you have been advised by Company to consult your own professional advisors as to the legal, accounting, business, tax, financial and other matters relating to your use of Website or Services and any information or content contained therein. No representation or warranty, express or implied, is or will be given by the Company or any of their respective affiliates, directors, officers, employees or advisers or any other person as to the accuracy or completeness of the information on the Website or in or comprising the Services (including without limitation as to the accuracy or reasonableness of statements, estimates, targets, projections, assumptions, or judgments) or any other written, oral, or other communications transmitted or otherwise made available to any party in the course of our evaluation of any potential business, investment, or commercial transaction. Accordingly, neither the Company nor any of its respective affiliates, directors, officers, employees, or advisers or any other person is or shall be liable for any direct, indirect, or consequential loss or damages suffered by any person as a result of relying on any statement in or omission from the Services and any such liability is expressly disclaimed.
Neither the Website or the Services, or any commentary, analyses, or content contained therein, is or are to be construed as a solicitation, recommendation, or offer to buy or sell any security, financial product, or instrument of any kind whatsoever.
You understand and acknowledge that past performance is not indicative of future results. Company does not guarantee any specific outcome or profit of any kind whatsoever. You are hereby advised that every investment is subject to the real risk of loss and you are aware that following any strategy, analysis, or investment in or on the Services bears significant risk of loss as well. Strategies or investments fluctuate in price and value regularly. Investors may earn less than invested. Investments and strategies mentioned in and on the Website or in the Services may not be suitable for you and may bear significant risk of loss. The material, analyses, content, and other information on or through the Website and Services does not take into account your particular investment objectives, financial situation, or needs and are not intended as recommendations that are suitable or appropriate for you. You must make an independent decision regarding investments or strategies mentioned on the Website or in the Services. Before acting on information on the Website or the Services, you should consider whether it is suitable for your particular circumstances and strongly consider seeking advice from your own financial or investment adviser, and tax professionals.
Forward-Looking Statements
The content made available in or on the Website or Services contain “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995.
Such statements include, but are not limited to, statements about forecasted future financial and operating results, plans, objectives, expectations and intentions with respect to future operations, products and services; and other statements identified by words such as “will likely result,” “are expected to,” “will continue,” “is anticipated,” “estimated,” “believe,” “intend,” “plan,” “project,” “outlook” or words of similar meaning. These forward-looking statements include, but are not limited to, statements regarding industry and market size, future opportunities for business and estimated future results, and regarding any potential transaction, including implied enterprise value, the expected post-closing ownership structure, and the likelihood and ability of the parties to successfully consummate a potential transaction. Such forward-looking statements are based upon the current beliefs and expectations of the Company and are inherently subject to significant business, economic and competitive uncertainties, and contingencies, many of which are difficult or impossible to predict and are generally beyond the control of the Company and its management.
Actual results, performance, or achievements may differ materially, and potentially adversely, from any projections and forward-looking statements and the assumptions on which those forward-looking statements are based. There can be no assurance that the data contained in the Services is reflective of future performance to any degree. You are cautioned not to place undue reliance on forward-looking statements as a predictor of future performance as projected financial information, cost savings and other information are based on estimates and assumptions that are inherently subject to various significant risks, uncertainties, and other factors, many of which are beyond the Company’s control. Other unknown or unpredictable factors or factors currently considered immaterial could also adversely affect the quality or accuracy of the Services.
Consequently, there can be no assurance that the actual results or developments anticipated, recommended, or predicted by the Services will be realized or, even if substantially realized, that they will have the expected consequences or effects. All information set forth in the Website and the Services speaks only as of the date thereof, and the Company expressly disclaims any intention or obligation to update any forward-looking statements as a result of developments occurring after the date of delivery of such information on or through the Website or the Services. For the avoidance of doubt, the Company has no obligation to, and makes no representation or commitment, to update or maintain as current any such information. Disclaimer of Warranties
Services are provided 'as is' and 'as available'. without any warranties of any kind. Company does not guarantee the accuracy, completeness, or reliability of our analyses and other content. Company cannot take responsibility for, or make any claims or representations about, the accuracy, completeness, or truth of every datapoint, information, and/or opinions comprising the Services. Your use of our services is at your own risk. Company makes no promise or guarantee of any kind that any content and/or Services will be delivered to you on an uninterrupted, timely, secure, and/or error-free basis.
Limitation of Liability and Indemnification
COMPANY SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, LOST DATA, PERSONAL INJURY, OR PROPERTY DAMAGE, RELATED TO, IN CONNECTION WITH, OR OTHERWISE RESULTING FROM ANY USE OF THE WEBSITE AND/OR THE SERVICES, REGARDLESS OF THE NEGLIGENCE (EITHER ACTIVE, AFFIRMATIVE, SOLE, OR CONCURRENT) OF COMPANY, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. COMPANY SHALL NOT BE LIABLE FOR ANY DAMAGES, LIABILITY, OR LOSSES ARISING OUT OF YOUR USE OF OR RELIANCE ON THE WEBSITE AND/OR THE SERVICES, OR YOUR INABILITY TO ACCESS OR USE THE WEBSITE AND/OR THE SERVICES. THE LIMITATIONS AND DISCLAIMERS IN THIS SECTION DO NOT PURPORT TO LIMIT LIABILITY OR ALTER ANY OF YOUR RIGHTS AS A CONSUMER THAT CANNOT BE EXCLUDED UNDER APPLICABLE LAW. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, COMPANY LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.
Without prejudice to any limitations of liability described in these Terms, you will indemnify Company and hold it harmless with respect to any liabilities (including all costs of investigation and defense) and other damages that directly or indirectly may derive from the failure to comply with these Terms, including, but not limited to, any liability or damage that directly or indirectly may derive from any use of the Website or the Services to make investment decisions or any breach by you or by any of your agents or delegates of these Terms.
Compliance with Regulations
Company confirms that it operates in compliance with applicable US regulations and laws. Our services are not subject to the rules and regulations of the Securities Exchange Commission (the “SEC”) or the Financial Industry Regulatory Authority (“FINRA”), and no specific license is required to operate the Website or the Services. Additionally, we ensure compliance with other relevant regions; privacy and data protection regulations if applicable.
Eligibility
You must be at least 18 years old to use the Website and/or Services. By using the Website, you represent and warrant that you meet this age requirement. Company complies with all applicable requirements of the Children’s Online Privacy Protection Act (COPPA) in the United States and the General Data Protection Regulation (GDPR) in the European Union, which require parental consent for the collection of personal information from children under the age of 13; Company does not intend or knowingly collect information from any individuals under the age of 18 . If Company discovers that a user under the age of 18 has created an account and/or provided personal information, Company will take steps to terminate the account and delete any such provided personal information.
Third-Party Data and Services
Company utilizes third-party providers to supply financial data and analytical frameworks to enhance the user experience and provide accurate information. Please be aware that third-party providers may have their own, or additional, terms and conditions; please be sure to review any such third-party terms and conditions prior to purchasing a subscription to the Services. The key third-party sources Company uses are:
Financial Modeling Prep (FMP): All financial data, including but not limited to stock prices, financial statements, and company metrics, are sourced from Financial Modeling Prep. This ensures reliability and accuracy in the financial information provided on our platform. For more details, visit FMP at https://site.financialmodelingprep.com/.
ChatGPT by OpenAI: Framework analyses such as SWOT, PESTLE, and PORTER are generated using ChatGPT by OpenAI. This allows us to provide comprehensive and detailed analyses. For more information, visit OpenAI at https://openai.com/ By using our services, you acknowledge and agree that Company may utilize these third-party services. We are not responsible for, and we make nor representations in relation to, the accuracy, reliability, or quality of the information provided by these third parties.
Use of Logos and Company Information
Company uses logos, news, and graphics provided by financial information APIs. We endeavor to ensure compliance with applicable intellectual property laws regarding the use of this information.
Viewing Statistics
We may collect and analyze user statistics on our page, such as the popularity of frameworks and most searched stocks, to improve our services.
Governing Law, Jurisdiction, and Venue Dispute Resolution, Class Action Waiver, and Limitations Period;
1. Informal Dispute Resolution
Before initiating any arbitration or legal proceeding, you agree to try to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the use of the Website or Services (collectively, "Disputes") informally by contacting the Company at support@invetso.com . Most concerns can be quickly resolved in this manner. If a Dispute is not resolved within 30 days of submission, either party may proceed to arbitration as outlined below.
2. Agreement to Arbitrate
If we cannot resolve a Dispute informally, both you and the Company agree to resolve any Dispute through final and binding arbitration. This includes any Dispute involving our affiliates, subsidiaries, employees, contractors, officers, directors, and agents. Arbitration will be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, which are available on the AAA website.
3. Arbitration Procedures
(a) Initiation: To begin an arbitration proceeding, you must send a letter requesting arbitration and describing your Dispute to Invetso, LLC, 7345 W Sand Lake Rd., Ste 210 Office 5929, Orlando, FL 32819.
(b) Location: The arbitration will be conducted in a mutually agreed-upon location or, if not agreed, in the county where you reside
(c) Fees: Each party will be responsible for their own arbitration fees. However, if the arbitrator finds that the arbitration was not frivolous, Company will reimburse your AAA filing fee
(d) Arbitrator's Authority: The arbitrator will have the authority to grant any relief that would be available in court under law or in equity, except that the arbitrator's decisions must be consistent with these Terms. The arbitrator's decision will be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.
4. Class Action Waiver
You and the Company agree that any arbitration or court proceeding will be conducted on an individual basis and not as a class, consolidated, or representative action. Neither you nor Invetso LLC will seek to have any Dispute heard as a class action, representative action, or in any proceeding in which either party acts or proposes to act in a representative capacity. The arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.
5. Governing Law
These Terms and any Disputes shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and the Federal Arbitration Act (9 U.S.C. §§ 1-16) shall apply to the interpretation, applicability, enforceability, and formation of this agreement to arbitrate notwithstanding any other choice of law provision contained in these Terms.
Integration, Severability, and Waiver
If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck, and the remaining provisions shall be enforced to the fullest extent under law. Company’s failure to enforce any right or provision in these Terms shall not constitute a waiver of such right or provision unless acknowledged and agreed to by Company in writing. Changes to Terms
We may update these Terms from time to time. Any changes will be posted on this page, and the "Last Updated" date will be revised. By continuing to use Company after such changes are posted, you agree to the new Terms.
Accessibility
Company is committed to ensuring that our services are accessible to all individuals, including those with disabilities. We strive to enhance the user experience for everyone by implementing relevant accessibility standards. If you encounter any accessibility barriers or have suggestions on how we can improve accessibility, please contact us at support@invetso.com .
Electronic Agreement/"Click-Through" Agreement
You acknowledge and agree, whether located in the Website and/or the Services, that by clicking on a button labeled "SUBMIT," "DOWNLOAD," "I ACCEPT," or any similar such links as may be designated by Company to accept the terms and conditions of these Terms or any Services, you are submitting a legally binding electronic signature and are entering into a legally binding contract. You acknowledge that your electronic submissions constitute your agreement and intent to be bound by these Terms. Pursuant to any applicable statutes, regulations, rules, ordinances, or other laws, including without limitation the United States Electronic Signatures in Global and National Commerce Act, P.L. 106-229 (the "E-Sign Act") or other similar statutes, YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED THROUGH THE WEBSITE OR SERVICES OFFERED BY COMPANY. Further, you hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction that require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by other than electronic means.
Contact Information and Notice
If you have any questions about these Terms, please contact us at support@invetso.com . All notices to you under these Terms will be deemed given when delivered via e-mail to the email address associated with your Account. All notices to Company under these Terms will be deemed given when postmarked and mailed via certified mail to:
Invetso, LLC 7345 W Sand Lake Rd. Ste 210 Office 5929 Orlando, FL 32819
