Terms of Service

1. Introduction and Acceptance

Welcome to InvestGlobal Advisors ("we," "our," or "us"). These Terms of Service ("Terms") govern your use of our website, services, and any related materials provided by our investment advisory firm. By accessing our website or using our services, you agree to be bound by these Terms and our Privacy Policy.

InvestGlobal Advisors provides educational content and investment advisory services focused on international stock investments. Our mission is to help investors make informed decisions about foreign market investments while understanding the associated risks and regulations.

2. Services Provided

2.1 Investment Advisory Services

We provide the following services to our clients:

• Educational content about international stock investing
• Market analysis and investment research
• Portfolio consultation and strategy development
• Tax optimization guidance for foreign investments
• Risk assessment and diversification strategies

2.2 Educational Content

Our website contains educational materials, articles, guides, and resources designed to help investors understand international markets. This content is for informational purposes only and does not constitute personalized investment advice unless explicitly stated as part of our advisory services.

2.3 Limitations

We do not provide tax preparation services, legal advice, or execute trades on behalf of clients. We recommend consulting with qualified tax professionals and legal advisors for specific situations related to your investments.

3. User Responsibilities and Conduct

3.1 Eligibility

You must be at least 18 years old and legally capable of entering into binding agreements to use our services. By using our website, you represent and warrant that you meet these eligibility requirements.

3.2 Account Security

If you create an account with us, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account.

3.3 Prohibited Activities

You agree not to:

• Use our services for any unlawful purpose or in violation of any regulations
• Attempt to gain unauthorized access to our systems or other users' accounts
• Distribute malware, spam, or engage in phishing activities
• Copy, reproduce, or distribute our proprietary content without permission
• Provide false or misleading information during registration or consultations

4. Investment Risks and Disclaimers

4.1 No Guarantee of Returns

We do not guarantee any specific investment returns or outcomes. Past performance does not predict future results. All investment decisions should be based on your individual financial situation, risk tolerance, and investment objectives.

4.2 International Investment Risks

Foreign investments may involve specific risks including:

• Currency exchange rate fluctuations
• Political and economic instability in foreign countries
• Different accounting standards and disclosure requirements
• Tax implications in multiple jurisdictions
• Regulatory changes affecting foreign investments

4.3 Due Diligence

You are responsible for conducting your own due diligence and making independent investment decisions. Our advice and recommendations should be considered as part of your overall research process, not as the sole basis for investment decisions.

5. Fees and Payment Terms

5.1 Service Fees

Our fee structure varies depending on the services provided. Detailed fee information will be disclosed before engaging our services. Fees may include consultation fees, advisory fees, and performance-based compensation as applicable.

5.2 Payment Terms

Payment terms will be specified in individual service agreements. Generally, fees are due within 30 days of invoice date. Late payments may incur additional charges as specified in your service agreement.

5.3 Refund Policy

Refund policies vary by service type and will be outlined in your specific service agreement. Educational content and completed consultation services are generally non-refundable.

6. Intellectual Property Rights

6.1 Our Content

All content on our website, including text, graphics, logos, images, research reports, and software, is the property of InvestGlobal Advisors or our licensors and is protected by copyright, trademark, and other intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website and materials for personal, non-commercial purposes. You may not modify, distribute, or create derivative works based on our content without written permission.

6.3 User-Generated Content

Any content you submit to us, including questions, comments, or feedback, may be used by us for business purposes. You retain ownership of your content but grant us a license to use, modify, and distribute it as needed for our operations.

7. Limitation of Liability

7.1 Service Limitations

We provide our services "as is" without warranties of any kind. We do not warrant that our services will be uninterrupted, error-free, or meet your specific requirements.

7.2 Maximum Liability

In no event shall our total liability exceed the amount of fees paid by you for our services in the twelve months preceding the claim. This limitation applies to all claims, whether based on contract, tort, or other legal theories.

8. Privacy and Data Protection

We take your privacy seriously and are committed to protecting your personal information. Our collection, use, and protection of your data is governed by our Privacy Policy, which is incorporated by reference into these Terms.

8.1 Data Collection

We collect personal information necessary to provide our services, including contact information, financial information for advisory services, and website usage data for improving our services.

8.2 Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

9. Termination

9.1 Termination by You

You may terminate your use of our services at any time by providing written notice. Termination does not relieve you of any obligations to pay outstanding fees or affect the validity of transactions completed before termination.

9.2 Termination by Us

We may terminate or suspend your access to our services immediately, without prior notice, if you breach these Terms or engage in conduct that we determine is harmful to our business or other users.

9.3 Effect of Termination

Upon termination, your right to use our services ceases immediately. Provisions regarding intellectual property, limitation of liability, and dispute resolution survive termination.

10. Governing Law and Dispute Resolution

10.1 Governing Law

These Terms are governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to conflict of law principles.

10.2 Dispute Resolution

Any disputes arising from these Terms or our services will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, unless prohibited by local law.

10.3 Class Action Waiver

You agree that any arbitration or legal proceeding will be conducted on an individual basis and not as a class action, collective action, or representative proceeding.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of our services after changes become effective constitutes acceptance of the new Terms.

12. Contact Information

If you have any questions about these Terms of Service or our practices, please contact us:

• Email: [email protected]
• Phone: +1 (555) 123-4567
• Address: 123 Financial District, Suite 456, New York, NY 10004
• Contact Form: Visit our Contact Page