Terms & Conditions

Welcome to AssetMethod Online. These Terms and Conditions ("Terms") govern your access to and use of our website assetmethod.online (the "Site") and all services, content, tools, and resources provided by AssetMethod Online ("we," "our," or "us").

PLEASE READ THESE TERMS CAREFULLY BEFORE USING OUR SITE. By accessing or using our Site, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use our Site.

1. Acceptance of Terms

By accessing, browsing, or using our Site, you acknowledge that:

• You have read, understood, and agree to be bound by these Terms
• You agree to comply with all applicable laws and regulations
• You are at least 18 years of age or the age of majority in your jurisdiction
• You have the legal capacity to enter into binding agreements
• All information you provide is accurate, current, and complete

These Terms constitute a legally binding agreement between you and AssetMethod Online, Registration Number 41216313, registered at 849 Karlie Mills, Morganfort PE23 4LZ, United Kingdom.

2. Educational Purpose and No Financial Advice

2.1 Educational Content Only

All content on this Site, including articles, white papers, calculators, tools, frameworks, and methodologies, is provided for educational and informational purposes only. This content is designed to help users understand systematic asset management concepts and principles.

2.2 No Investment Advice

AssetMethod Online does NOT provide:

• Personalized investment advice or recommendations
• Financial planning or wealth management services
• Portfolio management or asset allocation services
• Tax, legal, or accounting advice
• Recommendations to buy, sell, or hold specific securities or assets

2.3 Not a Registered Investment Advisor

AssetMethod Online is not a registered investment advisor, broker-dealer, financial planner, or fiduciary. We do not manage client assets, execute transactions, or provide individualized financial recommendations tailored to your specific circumstances.

2.4 Professional Consultation Required

Before implementing any investment strategy or making financial decisions, you must consult with qualified professionals, including:

• Registered financial advisors or investment professionals
• Tax accountants or tax attorneys
• Legal counsel
• Other appropriate specialists based on your situation

3. Use of Site and Content

3.1 License to Use

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Site and content for personal, non-commercial, educational purposes only.

3.2 Prohibited Uses

You agree NOT to:

• Use our Site or content for any commercial purpose without written permission
• Copy, reproduce, distribute, or create derivative works from our content
• Modify, reverse engineer, or decompile any Site technology or software
• Use automated systems (bots, scrapers) to access or collect data from our Site
• Interfere with or disrupt Site functionality or security
• Attempt unauthorized access to our systems or user accounts
• Upload malicious code, viruses, or harmful content
• Impersonate any person or entity or misrepresent your affiliation
• Violate any applicable laws or regulations
• Use our content to provide financial advice or services to third parties

3.3 Intellectual Property Rights

All content on this Site, including text, graphics, logos, images, software, frameworks, methodologies, and compilations, is the exclusive property of AssetMethod Online and is protected by copyright, trademark, and other intellectual property laws.

You may not use our trademarks, service marks, or logos without prior written consent.

4. Calculator Tools and Interactive Features

4.1 Educational Tools Only

Any calculators, modeling tools, or interactive features provided on our Site are educational resources designed to illustrate concepts and principles. They do NOT constitute financial advice or recommendations.

4.2 Accuracy and Limitations

Calculator results and projections:

• Are based on assumptions and hypothetical scenarios
• Do not reflect actual investment results or performance
• Do not account for individual circumstances, taxes, or fees
• Assume constant return rates which are unrealistic in practice
• Cannot predict future market performance or investment outcomes

You acknowledge that actual investment results will differ—potentially significantly—from any calculator projections.

5. Third-Party Links and Resources

5.1 External Links

Our Site may contain links to third-party websites, services, or resources not owned or controlled by AssetMethod Online. These links are provided for convenience only.

5.2 No Endorsement

We do not endorse, guarantee, or assume responsibility for:

• Third-party content, products, or services
• Accuracy or reliability of third-party information
• Privacy practices of third-party sites
• Any losses or damages arising from third-party interactions

5.3 Your Responsibility

You access third-party links at your own risk. We encourage you to review the terms and privacy policies of any third-party sites you visit.

6. Disclaimers and Limitations of Liability

6.2 Investment Risk Acknowledgment

You acknowledge and agree that:

• All investing involves substantial risk of loss
• Past performance does not guarantee future results
• Market conditions fluctuate unpredictably
• You may lose some or all invested capital
• No strategy eliminates investment risk
• Diversification does not guarantee profits or prevent losses

6.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ASSETMETHOD ONLINE AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR:

• Any direct, indirect, incidental, consequential, or punitive damages
• Investment losses or financial damages of any kind
• Loss of profits, revenue, data, or business opportunities
• Damages arising from use or inability to use our Site or content
• Damages from errors, omissions, or inaccuracies in content
• Damages from unauthorized access to or alteration of your data
• Damages from third-party conduct or content

This limitation applies regardless of the legal theory (contract, tort, negligence, or otherwise) and even if we have been advised of the possibility of such damages.

6.4 Maximum Liability Cap

In jurisdictions that do not allow limitation of liability, our total liability to you for any claims arising from or related to these Terms or your use of our Site shall not exceed £100 GBP or the amount you paid to access our Site (if any), whichever is less.

7. Indemnification

You agree to indemnify, defend, and hold harmless AssetMethod Online and its directors, officers, employees, agents, affiliates, successors, and assigns from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from or related to:

• Your use or misuse of our Site or content
• Your violation of these Terms
• Your violation of any third-party rights
• Your violation of applicable laws or regulations
• Any investment decisions or financial actions you take
• Any content or information you submit to our Site

8. User-Generated Content and Communications

8.1 Submissions

If you submit content, feedback, suggestions, or communications to us (collectively, "Submissions"), you grant us a perpetual, irrevocable, worldwide, royalty-free, non-exclusive license to use, reproduce, modify, publish, and distribute such Submissions for any purpose.

8.2 Prohibited Content

You agree not to submit content that is:

• Unlawful, fraudulent, or deceptive
• Defamatory, obscene, or offensive
• Infringes intellectual property or privacy rights
• Contains viruses or malicious code
• Constitutes spam or unauthorized advertising

8.3 Monitoring and Removal

We reserve the right (but have no obligation) to monitor, review, and remove any Submissions at our sole discretion without notice.

9. Privacy and Data Protection

Your use of our Site is subject to our Privacy Policy, which is incorporated into these Terms by reference. By using our Site, you consent to our collection, use, and disclosure of your information as described in our Privacy Policy.

Please review our Privacy Policy to understand our privacy practices.

10. Modifications to Site and Terms

10.1 Site Modifications

We reserve the right to modify, suspend, or discontinue any aspect of our Site at any time without notice or liability. We do not guarantee that our Site or any content will always be available or uninterrupted.

10.2 Terms Modifications

We may modify these Terms at any time by posting the revised Terms on our Site with an updated "Last Updated" date. Material changes will be communicated through prominent notice on our Site or other appropriate means.

Your continued use of our Site after changes are posted constitutes acceptance of the modified Terms. If you do not agree to modified Terms, you must discontinue use of our Site.

11. Termination

11.1 Termination by You

You may terminate your use of our Site at any time by ceasing to access or use it.

11.2 Termination by Us

We reserve the right to terminate or suspend your access to our Site immediately, without notice or liability, for any reason, including if:

• You violate these Terms
• We are required to do so by law
• Your conduct harms or may harm us or other users
• We discontinue our Site or services

11.3 Effect of Termination

Upon termination, your right to use our Site immediately ceases. Provisions of these Terms that by their nature should survive termination shall survive, including disclaimers, limitations of liability, and indemnification provisions.

12. Geographic Restrictions

AssetMethod Online operates from the United Kingdom. We make no representation that our Site or content is appropriate or available for use outside the UK.

If you access our Site from outside the UK, you do so at your own risk and are responsible for compliance with local laws. Some content may reference UK-specific regulations, tax treatment, or investment vehicles that may not apply or may differ in other jurisdictions.

13. Dispute Resolution and Governing Law

13.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles.

13.2 Jurisdiction

You agree that any disputes arising from or relating to these Terms or your use of our Site shall be subject to the exclusive jurisdiction of the courts of England and Wales.

13.3 Informal Resolution

Before initiating formal legal proceedings, we encourage you to contact us to seek informal resolution of any disputes. Many disputes can be resolved quickly and amicably through direct communication.

14. Severability and Waiver

14.1 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

14.2 Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or our right to enforce it in the future. Any waiver must be in writing and signed by an authorized representative of AssetMethod Online.

15. Entire Agreement

These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and AssetMethod Online regarding your use of our Site and supersede all prior or contemporaneous agreements, communications, or understandings, whether written or oral.

16. Assignment

You may not assign or transfer these Terms or any rights or obligations hereunder without our prior written consent. We may freely assign or transfer these Terms and our rights and obligations without restriction.

17. Force Majeure

We shall not be liable for any failure or delay in performance under these Terms due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, labor disputes, government actions, or internet or telecommunications failures.

By using AssetMethod Online, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions. If you do not agree to these Terms, you must not access or use our Site.

Last Updated: January 15, 2025 | © 2025 AssetMethod Online. All rights reserved.