Terms & Conditions

1. Introduction

Welcome to InvestPro. These Terms & Conditions ("Terms") govern your use of the InvestPro website (investpro.com), mobile applications, and services (collectively, the "Services") operated by InvestPro Finance ("we," "our," or "us"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not access or use our Services.

Please read these Terms carefully, as they constitute a legally binding agreement between you and InvestPro. These Terms may be updated from time to time, and it is your responsibility to review them periodically.

2. Eligibility

To access or use our Services, you must be at least 18 years old and have the legal capacity to enter into a binding agreement. By using our Services, you represent and warrant that you meet these requirements.

If you are accessing or using our Services on behalf of a business entity, you represent and warrant that you have the authority to bind that entity to these Terms, and that entity agrees to be bound by these Terms.

3. Account Registration

To access certain features of our Services, you may need to create an account. When registering for an account, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You agree to:

• Immediately notify us of any unauthorized use of your account or any other breach of security
• Ensure that you log out of your account at the end of each session
• Not share your account credentials with any third party
• Not create more than one account, except as expressly permitted
• Not use another user's account without permission

We reserve the right to disable any account at any time if, in our opinion, you have failed to comply with these Terms or if we believe your account has been compromised.

4. Investment Services

InvestPro provides investment planning information and educational resources. Our content is for informational and educational purposes only and should not be construed as investment advice, financial advice, or any other professional advice.

Before making any investment decisions, you should:

• Consider your specific financial situation, needs, and goals
• Consult with qualified financial, legal, or tax professionals
• Conduct your own research and due diligence

Important Notice: Investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Investment return and principal value will fluctuate, and shares, when redeemed, may be worth more or less than their original cost.

5. Service Access and Availability

We strive to ensure that our Services are available 24 hours a day, 7 days a week. However, we do not guarantee that our Services will be uninterrupted, timely, secure, or error-free. Access to our Services may be temporarily suspended without notice during system maintenance, upgrades, or for other reasons beyond our control.

We reserve the right to:

• Modify, suspend, or discontinue any part of our Services at any time
• Limit the availability of our Services to any person, geographic area, or jurisdiction
• Establish or change general practices and limits concerning use of our Services

We will not be liable if, for any reason, all or any part of our Services is unavailable at any time or for any period.

6. Intellectual Property Rights

Our Services and all content, features, and functionality (including but not limited to text, graphics, logos, icons, images, audio clips, video clips, data compilations, software, and the design, selection, and arrangement thereof) are owned by InvestPro, our licensors, or other content providers and are protected by copyright, trademark, and other intellectual property laws.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for your personal, non-commercial use. You may not:

• Reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any content from our Services
• Use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text
• Delete or alter any copyright, trademark, or other proprietary notices
• Access or use our Services for any commercial purposes
• Transfer the materials to another person or "mirror" the materials on any other server

Any unauthorized use of our Services or content may violate copyright, trademark, and other laws and may result in the termination of your access to our Services.

7. User Content

Our Services may allow you to post, submit, publish, display, or transmit content or materials ("User Content"). By providing User Content, you grant us a non-exclusive, worldwide, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such User Content in any media or distribution methods.

You represent and warrant that:

• You own or control all rights to the User Content you post
• All User Content complies with these Terms
• User Content is accurate and not misleading
• User Content does not violate the rights of any third party

We have the right, but not the obligation, to monitor, edit, or remove any User Content. We assume no responsibility for any User Content posted by you or any third party.

8. Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Using our Services for any illegal purpose or in violation of any laws
• Impersonating another person or entity or falsely stating or misrepresenting your affiliation with a person or entity
• Interfering with or disrupting the operation of our Services or servers
• Attempting to gain unauthorized access to our Services, user accounts, or computer systems
• Engaging in any data mining, scraping, or other data gathering activities from our Services
• Uploading or transmitting viruses, malware, or other malicious code
• Harassing, threatening, or intimidating other users
• Posting or transmitting any content that is unlawful, fraudulent, harmful, threatening, abusive, defamatory, obscene, or otherwise objectionable
• Using our Services to send unsolicited communications, promotions, or advertisements
• Attempting to circumvent any security measures of our Services

9. Third-Party Links and Services

Our Services may contain links to third-party websites, resources, or services that are not owned or controlled by InvestPro. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we are not responsible or liable for:

• The availability or accuracy of such websites or resources
• The content, products, or services on or available from such websites or resources
• Any damage or loss caused or alleged to be caused by or in connection with the use of such websites, resources, content, products, or services

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

10. Disclaimer of Warranties

YOUR USE OF OUR SERVICES IS AT YOUR SOLE RISK. OUR SERVICES AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, INVESTPRO EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
• WARRANTIES THAT OUR SERVICES WILL MEET YOUR REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE
• WARRANTIES THAT THE RESULTS OF USING OUR SERVICES WILL BE ACCURATE, RELIABLE, COMPLETE, OR SATISFY YOUR EXPECTATIONS
• WARRANTIES THAT ANY ERRORS IN OUR SERVICES WILL BE CORRECTED

NO INFORMATION OR ADVICE, WHETHER ORAL OR WRITTEN, OBTAINED FROM INVESTPRO OR THROUGH OUR SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL INVESTPRO, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, SUPPLIERS, OR CONTENT PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE OUR SERVICES
• ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON OUR SERVICES
• ANY CONTENT OBTAINED FROM OUR SERVICES
• UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS RELATING TO OUR SERVICES EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING OUR SERVICES DURING THE TWELVE (12) MONTHS PRIOR TO SUCH CLAIM.

12. Indemnification

You agree to defend, indemnify, and hold harmless InvestPro, its officers, directors, employees, and agents, from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of our Services, including, but not limited to, your User Content, any use of our Services' content, services, and products other than as expressly authorized in these Terms, or your use of any information obtained from our Services.

13. Termination

We may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason, including, without limitation, if you breach these Terms. Upon termination, your right to use our Services will cease immediately.

You may terminate your account at any time by contacting us. All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

14. Governing Law and Jurisdiction

These Terms and your use of our Services shall be governed by and construed in accordance with the laws of the State of [State], without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located within [City, State] for the resolution of any disputes arising out of or relating to these Terms or our Services.

15. Changes to These Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Services after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use our Services.

16. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. The invalid or unenforceable provision shall be deemed modified so that it is valid and enforceable to the maximum extent permitted by law.

17. Entire Agreement

These Terms constitute the entire agreement between you and InvestPro regarding our Services and supersede all prior and contemporaneous agreements, proposals, or representations, written or oral, concerning our Services.

18. Contact Information

If you have any questions about these Terms, please contact us at: