Welcome to the website https://Threenvest.com (“Website”) operated by Threenvest. By visiting and using this website, you agree to these Terms of Use (“ToU”). The ToU govern your access to and use of the Website and any services we offer through it (collectively, the “Services”). Please read them carefully, and if you do not agree with any aspect of the service conditions, do not use this website or any of the services. Threenvest reserves the right to publish changes to the service conditions of this website at any time. If we make material changes to these ToU, we will publish the updated ToU here along with the effective date and notify you by email or by posting a notice on our website. If any change in the service conditions is unacceptable, you must stop using this website. In these ToU, “Threenvest” and “we” or “us” refer to Threenvest, and “user” or “you” refers to any visitor to this website.
If you subscribe to the services offered through this Site, you may also be subject to additional terms and conditions (“Terms of Service” or “TOS”) applicable to those services, which will be indicated to you at that time.
Sites and Services
We do not guarantee that access to or use of this Site or any of the Services will be uninterrupted or error-free, and Threenvest will not be responsible for the inaccessibility of any feature or the lack of availability of its Site and Services. The Website and its features may be expanded, restricted, or modified by Threenvest at any time to meet user needs or for technical or other reasons, without prior notice or reason. We may also, at our sole discretion and at any time, cease to provide all or any part of the Services or this Website, temporarily or permanently, without prior notice. To access certain content or features of the Site or its Services, users may need to upgrade or update their hardware or software. Threenvest assumes no responsibility if access to the Website or any of the services is not possible, in whole or in part, due to the user’s system, the Internet network, or any other reason.
Minors
We do not provide information or services to minors, and if you are under 18 years of age and at least 13 years old, you may use this Site and/or the Services only with the active participation of a parent, guardian, or other adult supervising you. You may not use this Site if you are under 13 years of age.
No Individual Investment Advice
This site does not provide personalized or customized legal, tax, accounting, or investment services. As each person’s situation is unique, you should seek advice from a qualified professional before making any financial decisions.
Limitations of News Site Content
We do not guarantee the accuracy, completeness, or quality of the information contained on this Site or through the Services, which is provided “AS IS” and “AS AVAILABLE,” at the user’s sole risk. This information may be provided by third parties, and Threenvest will not be responsible for any errors, omissions, or inaccuracies in the Site’s content. The investment, accounting, or legal information and strategies provided on this site are not complete or suitable for all individuals. Some of the information is relevant only in Europe and may not be relevant or comply with the laws, regulations, or other legal requirements of other countries. It is your responsibility to determine whether the use you intend to make of the information and services is technically and legally possible in the parts of the world where you intend to use them, and how and to what extent. We encourage you to review all information before using it for personal, financial, accounting, legal, or commercial purposes. Additionally, the opinions and viewpoints expressed in any article on this site are solely those of the author or authors of the article and do not reflect the views of Threenvest or its management. The content and services of the Site are subject to change by us at any time without prior notice or reason, and Threenvest has no obligation to notify you of corrections or changes to the Site’s content.
Content License
We grant you a limited personal use license to access, view, download, format, and print portions of the content on this website solely for your personal, non-commercial use, provided that the content is not modified and all ownership notices remain intact. You may not reproduce, republish, translate, merge, sell, rent, distribute, or create a derivative work from the Content on any other website or as part of educational, training, or reference material. You may not frame or use framing techniques to enclose any content from this website.
Third-Party Content
Statements, opinions, product or service offerings, or other information or content provided on or through this Website by third parties (“Third-Party Content”) are solely those of the respective providers and not of Threenvest, which makes no representation regarding the accuracy, completeness, reliability, or usefulness of any Third-Party Content. It is the User’s responsibility to evaluate Third-Party Content, and Threenvest shall not be liable for any damage or loss caused by the User’s reliance on Third-Party Content or its use.
User-Generated Content
To the extent we allow and you choose to post or share content or materials, you will: (a) grant Threenvest a fully transferable and sublicensable license (including but not limited to through multiple tiers of sublicensing) to display, perform, reproduce, modify, transmit, distribute, and create derivative works from the User Content and to link your public profile information (if any) to such User Content, in all media formats and through all channels (whether known or developed in the future) and waive all moral rights in favor of Threenvest with respect to such use of the User Content; (b) grant Threenvest a perpetual, worldwide, royalty-free, fully paid, non-exclusive license to edit and display your material on its website and make it available to users, for the purposes and on the terms set forth in these ToU; (c) agree to indemnify Threenvest and its users against any claims or demands brought by third parties arising out of your User Content or related to it; and (d) declare that you own or have the right to publish the User Content, that the User Content is accurate, that the use of the User Content on the Site will not violate any law, and that the material will not cause harm to anyone, including but not limited to intellectual property rights, personal rights, or the privacy of others. Threenvest has the right to use your name in connection with the User Content you post. Threenvest reserves the right to remove or modify User Content for any reason, including but not limited to if we believe it violates these ToU.
If you decide to post User Content and interact with other users as appropriate, please respect other users and be reasonable when posting comments. Remember that anything you post on the Internet may be available forever and is neither confidential nor private. Do not post anything you are not comfortable sharing or making public.
Broker/Investment Platform Notices
In the event that Threenvest provides online broker ratings (each a “Rating” and collectively the “Ratings”), the following shall apply in addition to the other terms and conditions of this ToU. You understand and agree to receive communications from Threenvest, including but not limited to as described in the “Communications” section of this ToU. Threenvest reserves the right, at any time and for any reason and without prior notice, to change, modify, suspend, or terminate access and/or access to all or any part of the Ratings.
For informational purposes only. Each review is provided for informational purposes only. Information may not be applicable to all states/provinces/territories and/or jurisdictions. Threenvest cannot guarantee that the information provided in any review is accurate, complete, and/or up-to-date. We make no representation or warranty as to the quality of the magazine content.
You may not reproduce, download, transmit, distribute, publicly display, sell, publish, copy, or otherwise use the Review and/or any content or material provided in connection with a Review for any commercial purpose without the express written consent of Threenvest.
The publication of a review by Threenvest shall not be construed as, nor deemed, an endorsement or recommendation of that broker by Threenvest, and the opinions expressed in a review are those of the reviewer and not of Threenvest.
The information in a review may differ from what you receive when visiting the website of a financial institution, service provider, or specific product. When reviewing online brokers, check the terms of the online broker. We do not guarantee or represent the offers, interest rates, terms, conditions, fees, insurance coverage, or services offered or provided by online brokers. We do not guarantee that the offers, interest rates, conditions, fees, coverage, or services offered by online brokers are the best available. We are not party to, nor responsible for, any fee agreements you may enter into with any online broker or other service provider. Hereby, you indemnify us for any loss, cost, damage, or claim related to your use of products or services from any service provider, or arising from it.
Threenvest may receive compensation from online brokers when a user applies for or is approved for a financial product through our website. Compensation may affect the products and brokers we review and write about, and whether products appear on our website. The website does not intend to present all online brokers or financial products available in the market.
Exam Preparation Material
In the event that Threenvest provides study aids and other information for exam preparation, including study aids and/or links to such materials on third-party websites (collectively, “Exam Preparation”), the following shall apply, in addition to the other terms of these ToU. You understand and agree to receive communications from Threenvest, including, without limitation, as described in the “Communications” section of these ToU. Threenvest reserves the right to change, modify, suspend, or cancel access and/or use of any exam preparation material at any time, for any reason, and without prior notice.
All exam preparation material and information available on Threenvest or on third-party sites linked to Threenvest is for informational purposes only. Review of exam content, study methods, tips, and example questions are recommendations only, and the use of these materials does not guarantee passing any exam. Although Threenvest has made reasonable efforts to provide current and accurate information, we are not responsible for any unintentional errors or omissions that may be found. Threenvest is not affiliated with or endorsed by CFA Institute or any similar entities.
Viruses
Threenvest does not guarantee that files available for download through its website are free of infection or viruses or other codes that may have contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your specific requirements for data integrity, security, and accuracy of input and output, and for maintaining an external means for the reconstruction of any lost data.
Advertiser Endorsements
Although we aim to collaborate with reputable firms, we do not assume liability for assertions or endorsements put forth by advertisers and sponsors. Threenvest refrains from assessing, endorsing, or advocating for the products or services of any entity referenced on our platform. Under no circumstances shall we be held accountable for any damages resulting from the misappropriation of information or personal data provided to an advertiser or sponsor.
Links to
For user convenience, the Site and Services may provide links to other websites or resources. Since we do not review or control these sites and resources, Threenvest is not responsible for the use or reliance on any content, product, service, or information from such sites or resources. The inclusion of any link does not imply endorsement, affiliation, approval, association, or sponsorship by Threenvest of the linked sites or resources, their operators, or owners. When you select a link, you may leave our website. Information available on third-party sites may have certain restrictions on its use or distribution that differ from these Terms of Service.
Prohibited Conduct
The following activities are strictly prohibited:
Posting unsolicited or unauthorized advertisements, promotional material, spam, junk mail, chain letters, pyramid schemes, or any other form of solicitation (“Spamming”); Posting for illegal or fraudulent purposes (including links); Displaying personal information (yours or someone else’s); Uploading virus-infected material or any type of malicious content; Posting offensive content, including blasphemy, obscenity, racist or pornographic material; Engaging in activities that are defamatory, invade others’ privacy, or interfere with others’ rights, including, but not limited to, collecting and disseminating information about Internet users without their permission, except to the extent permitted by applicable law; Posting any illegal, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, hateful, or otherwise objectionable material based on gender, race, class, ethnicity, national origin, religion, sexual preference, disability, or any other classification; Copying, modifying, creating derivative works, reverse engineering, reverse compiling, or attempting to discover the source code of the Site or Services; Removing or hiding any copyright notice or other notices displayed in connection with the Content accessible through the Site or Services; Interfering with or disrupting the functions, services, or servers of the Website and networks connected thereto, or disobeying the requirements, procedures, policies, or regulations of networks connected directly or indirectly to the Website; Altering the Website or Services in any manner or form or using modified versions of the Website or Services, including (without limitation) for the purpose of gaining unauthorized access; Reproducing, printing, caching, storing, or distributing any content retrieved from the Site or Services in any manner not permitted by these Terms of Service or for any commercial purpose without Threenvest’s prior written permission; Selling, assigning, sublicensing, or otherwise transferring the rights to the Services or any Content accessed through the Website; Utilizing the Website or Services through methods other than those offered by Threenvest’s interface; Utilizing the Website or Services to contravene any laws (whether local, state, provincial, territorial, national, or international), whether knowingly or unknowingly; Assuming the identity of any individual or entity, or providing false information about your association with any individual or entity; Altering identifiers to conceal the source of the questions, responses, or remarks you publish on the Site; Participating in “screen scraping,” “database scraping,” or Assisting in the infringement of these Terms of Service or the Privacy Policy. Privacy.
This Site may collect personal information from some users. Please review our Privacy Policy to understand what information we collect and store, how that information is used, how we may share it, and what rights you have regarding your personal information. The Privacy Policy is incorporated by reference and forms part of these Terms of Service.
Communications
When you visit our Site, use any of our Services, or send us an email, you expressly indicate that you agree to receive electronically all communications, notices, and disclosures that we may provide in connection with your use of the Site and/or the Services, including, but not limited to, communications via email, in-app, and on the Site. All agreements, notices, and communications provided to you by email comply with all legal requirements for being in writing and received by you. Threenvest has the right to disclose any objectionable email or material sent by a user to comply with any legal process or to protect the rights or property of Threenvest, its clients, suppliers, and users. Such communication may also include emails with information and recommendations for advertising, marketing, and promotional purposes that we believe may be of interest to you, in accordance with applicable law. In accordance with federal CAN-SPAM or anti-spam laws, if you do not wish to receive commercial emails, you may opt out following the instructions in such emails, except that we may continue to send you administrative and transactional communications, including, but not limited to, information about your account, confirmation of your enrollment in the course, information about your progress, or other services that may be necessary to provide you with any of our services.
By providing your phone number during registration for an account or utilizing other Threenvest services on the Site, you explicitly agree to receive automated or pre-recorded calls and text messages from Threenvest at that number. In the case of a mobile phone number, you also consent to receiving text messages or SMS at that number. These calls or text messages may be made to: (i) update you on your account and its activity; (ii) offer services related to online courses, webinars, etc.; (iii) resolve account-related issues; (iv) settle disputes; (v) present you with offers and promotions; or (vi) if necessary, manage your account or enforce these Terms of Service, our policies, applicable law, or any other agreements with you. Your phone number will not be shared with third parties for their purposes without your consent. We may disclose your phone numbers to our affiliates or service providers, such as customer service, billing, or collection companies, with whom we have contracted to assist us in enforcing our rights or fulfilling our obligations under these Terms of Service, our policies, applicable law, or any other agreement we may have with you. You agree that these parties may also contact you through automated or prerecorded calls and text messages, as we have allowed to fulfill the purposes we have identified above and not for their own purposes. Standard per-minute phone rates may apply for text messages.
You understand and agree that we may, at our discretion, monitor or record telephone conversations that you or someone acting on your behalf has with us or our agents to improve our quality and protect us from false claims or accusations. You acknowledge and understand that, although your communications with us may be intercepted, monitored, or recorded, not all phone lines or calls may be recorded by us, and we do not guarantee that recordings of a specific telephone conversation will be retained or retrieved.
Comments
We value the input, concepts, innovations, resources, and recommendations (“Feedback”) shared by our user community concerning our Services. You acknowledge and consent that Threenvest preserves its entitlement to leverage comparable and/or associated Feedback, whether divulged beforehand or concurrently, whether devised by our personnel or contracted individuals, sourced from alternative origins, or furnished by fellow users. Furthermore, by furnishing Feedback, you authorize us to utilize them devoid of limitations on their usage or any remuneration to you.
Property Rights
Threenvest’s website and its content are protected by copyright, trademarks, and other property laws. Please refer to our copyright notice.
Copyright Infringement Notice. Threenvest takes allegations of copyright infringement seriously. We will respond to reports of alleged copyright infringement in accordance with applicable law.
DISCLAIMER OF WARRANTIES
THE SITE AND SERVICES ARE OFFERED SOLELY FOR INFORMATIONAL PURPOSES. NOTHING CONTAINED ON OUR PLATFORM IS INTENDED TO CONSTITUTE PROFESSIONAL MEDICAL, FINANCIAL, LEGAL, OR ANY OTHER FORM OF ADVICE. YOUR UTILIZATION OF THE SITE, WIDGETS, AND SERVICES IS AT YOUR OWN PERIL. THE SITE, WIDGETS, AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” Threenvest MAKES NO ASSERTIONS OR WARRANTIES REGARDING WHETHER THE WEBSITE, WIDGETS, OR SERVICES WILL SATISFY YOUR NEEDS OR BE UNINTERRUPTED, SECURE, UP-TO-DATE, OR ERROR-FREE, NOR THAT THE OUTCOMES DERIVED FROM UTILIZING THE WEBSITE, WIDGETS, AND SERVICES WILL BE ACCURATE, TIMELY, VALUABLE, OR, TO THE FULLEST EXTENT PERMITTED BY LAW, Threenvest DISCLAIMS ALL WARRANTIES, REPRESENTATIONS, AND CONDITIONS, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, REGARDING THE UTILIZATION OF THE WIDGETS AND SERVICES OF THE WEBSITE OR THE ACCURACY, COMPREHENSIVENESS, TIMELINESS, OR CURRENTNESS OF ITS CONTENT IN ANY MANNER AND FOR ANY PURPOSE.
EXCLUSION OF INDIRECT DAMAGES
IN NO EVENT SHALL Threenvest BE LIABLE FOR ANY INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR INDIRECT DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE WIDGETS OF THIS WEBSITE OR ANY OF ITS SERVICES OR CONTENTS, OR ANY LOSS OF DATA, EVEN IF Threenvest HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
BECAUSE SOME JURISDICTIONS, SUCH AS NEW JERSEY, LIMIT OR DO NOT ALLOW THE EXCLUSION OF WARRANTIES OR THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, Threenvest’S LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
General
These TOS and any other applicable TOS constitute the entire agreement between each User and Threenvest governing User’s access to and use of the Site and its services, and supersede all prior agreements regarding its subject matter. These TOS shall be governed by the laws of the Spanish State, without regard to its conflict of law principles. Each User hereby waives and consents to the non-exclusive jurisdiction of the courts of Spain.
The failure of a User or Threenvest to exercise a right or enforce a provision of these TOS shall not constitute a waiver of such right or provision. If a court of competent jurisdiction finds any provision of these TOS to be invalid or unenforceable, the court shall enforce the intentions reflected in the provision as much as possible, and the remaining provisions of these TOS shall remain in effect.
The parties have agreed that this Agreement and all related documents shall be drafted in the English language. The parties to this Agreement have requested and agreed that this Agreement and all related documents shall be drafted in the English language.
Threenvest, Copenhagen, Denmark