Terms & Conditions

Legal Agreement

These Terms and Conditions constitute a legally binding agreement between you and Data Driven Wealth regarding your use of our website and services. By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

If you do not agree with any part of these Terms and Conditions, you must not use our website or services. This agreement applies to all visitors, users, and others who access or use our services.

Acceptance and Binding Nature

1. Binding Agreement: By using our website or services, you enter into a binding contract with Data Driven Wealth. This agreement is enforceable under applicable law and governs all interactions with our services.

2. Age Requirement: You represent that you are at least 18 years of age and have the legal capacity to enter into binding contracts. If you are accessing our services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

3. Entire Agreement: These Terms and Conditions, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and Data Driven Wealth concerning your use of our services.

User Obligations and Responsibilities

Compliance with Laws

You agree to comply with all applicable federal, state, local, and international laws, rules, and regulations in connection with your use of our services. This includes but is not limited to:

Data protection and privacy laws
Financial regulations and licensing requirements
Intellectual property laws
Anti-money laundering and fraud prevention statutes

Prohibited Conduct

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

Using our services for any unlawful purpose or in violation of these Terms
Attempting to interfere with, compromise, or disrupt our website or services
Collecting or harvesting personal information from other users
Impersonating any person or entity or falsely representing your affiliation
Transmitting spam, chain letters, or other unsolicited communications
Violating or infringing upon the intellectual property rights of others

Indemnification Obligation

You agree to indemnify, defend, and hold harmless Data Driven Wealth, its officers, directors, employees, agents, licensors, and suppliers from and against all losses, expenses, damages, and costs, including reasonable attorneys' fees, resulting from any violation of these Terms and Conditions or any activity related to your use of our services, including negligent or wrongful conduct.

Privacy and Data Protection

You acknowledge and agree that your use of our services is subject to our Privacy Policy. You are responsible for ensuring that any personal data you provide is accurate and that you have the necessary consent to share such information. You must comply with all applicable data protection laws in connection with your use of our services.

Content Guidelines and Restrictions

When interacting with our website or submitting information, you agree that your content will not:

Contain false, misleading, or fraudulent information
Be defamatory, obscene, pornographic, vulgar, or offensive
Promote discrimination, bigotry, racism, hatred, harassment, or harm
Violate any patent, trademark, trade secret, copyright, or other proprietary rights
Contain software viruses or any other malicious code

Disclaimers and Warranties

Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, DATA DRIVEN WEALTH PROVIDES ITS SERVICES "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. WE SPECIFICALLY DISCLAIM ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We make no warranty that our services will meet your requirements, be uninterrupted, timely, secure, or error-free, or that any defects will be corrected. We do not warrant the accuracy, completeness, or reliability of any content, information, or data obtained through our services.

No Financial Advice Guarantee

While we strive to provide high-quality financial analysis services, we make no guarantee or warranty regarding the accuracy, timeliness, performance, completeness, or suitability of the information and materials found or offered through our services. You acknowledge that financial markets and conditions can change rapidly, and past performance is not indicative of future results.

User Representations

By using our services, you represent and warrant that:

All information you provide is accurate, current, and complete
You have the legal capacity to enter into these Terms and Conditions
You will not use our services for any illegal or unauthorized purpose
Your use of the services will not violate any applicable law or regulation

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL DATA DRIVEN WEALTH, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM:

Errors, mistakes, or inaccuracies in content
Personal injury or property damage resulting from your access to or use of our services
Unauthorized access to or use of our servers or any personal information
Interruption or cessation of transmission to or from our services
Losses or damages arising from your reliance on any information obtained through our services

This limitation of liability applies regardless of the legal theory on which the claim is based, whether in contract, tort, negligence, strict liability, or otherwise, even if Data Driven Wealth has been advised of the possibility of such damages.

Exclusion of Consequential Damages

IN NO EVENT SHALL DATA DRIVEN WEALTH BE LIABLE FOR ANY LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF BUSINESS OPPORTUNITIES, LOSS OF DATA, OR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE OUR SERVICES. This exclusion applies even if such damages were foreseeable and whether or not Data Driven Wealth has been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so these limitations may not apply to you.

Force Majeure

Data Driven Wealth shall not be liable for any failure to perform its obligations under these Terms and Conditions where such failure results from circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.

Dispute Resolution and Governing Law

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of California, United States, without giving effect to any principles of conflicts of law. You agree to submit to the personal and exclusive jurisdiction of the courts located within San Francisco County, California.

Dispute Resolution Procedures

In the event of any dispute, claim, or controversy arising from or relating to these Terms and Conditions:

The parties shall first attempt to resolve the matter through good faith negotiation
If negotiation fails, the parties shall attempt mediation before a mutually agreed mediator
Only after exhausting these procedures may either party initiate litigation

Waiver of Class Actions

You agree that any disputes arising from these Terms and Conditions will be resolved on an individual basis. You waive any right to participate in a class action lawsuit or class-wide arbitration against Data Driven Wealth.

Severability Clause

If any provision of these Terms and Conditions is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent. If modification is not possible, the provision shall be severed from these Terms, and the remaining provisions shall continue in full force and effect.

Modifications to Terms

Data Driven Wealth reserves the right to modify or replace these Terms and Conditions at any time at our sole discretion. We will provide notice of material changes by updating the "Last Updated" date at the top of this page and, where appropriate, by sending notice to the email address associated with your account or by posting a notice on our website. Your continued use of our services following the posting of changes constitutes your acceptance of such changes.

Assignment

You may not assign or transfer these Terms and Conditions, or any rights or obligations hereunder, without the prior written consent of Data Driven Wealth. We may assign these Terms and Conditions or any rights or obligations hereunder to any party at any time without notice to you.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and Data Driven Wealth concerning your use of our services and supersede all prior agreements, understandings, negotiations, and discussions, whether oral or written, between you and Data Driven Wealth.

Contact Information