Terms of Use

By accessing or using the Polestra Cravendo website and services located at polestracravendo.info, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

These terms apply to all visitors, users, and others who access or use our service. We reserve the right to modify these terms at any time, and such modifications will be effective immediately upon posting.

Polestra Cravendo provides educational content, resources, and guidance related to investing and financial planning. Our services are designed to help users understand investment principles, develop financial literacy, and make informed decisions about their financial future.

Our Educational Services Include:

• Investment strategy learning materials and resources
• Market analysis and educational content
• Financial planning guidance and tools
• Risk assessment educational materials
• Portfolio diversification principles and strategies

All content provided is for educational purposes only and should not be considered as personalized financial advice, investment recommendations, or guarantees of financial performance.

As a user of our platform, you agree to use our services responsibly and in accordance with these terms. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

Prohibited Activities:

• Using our services for any unlawful purpose or in violation of any applicable laws
• Attempting to interfere with, compromise, or disrupt our services or servers
• Uploading or transmitting viruses, malware, or any other malicious code
• Impersonating any person or entity or misrepresenting your affiliation
• Harvesting or collecting information about other users without permission
• Using automated systems to access our services without authorization

You agree to provide accurate, current, and complete information when creating an account or using our services. You must promptly update any changes to your information.

All content, features, and functionality on our website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, are owned by Polestra Cravendo or its content suppliers and are protected by Canadian and international copyright, trademark, patent, trade secret, and other intellectual property laws.

Your License to Use:

We grant you a limited, non-exclusive, non-transferable license to access and use our services for personal, non-commercial purposes. This license does not include any right to resell or make commercial use of our services or content.

Your privacy is important to us. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which forms an integral part of these Terms of Use.

By using our services, you consent to the collection and use of information in accordance with our Privacy Policy. We implement appropriate security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

Data Security Measures:

• Encryption of sensitive data during transmission and storage
• Regular security audits and vulnerability assessments
• Access controls and authentication procedures
• Employee training on data protection and privacy practices

The information provided through our services is for educational and informational purposes only. It should not be considered as professional financial advice, investment recommendations, or a solicitation to buy or sell any securities or financial instruments.

No Guarantees:

We do not guarantee any specific outcomes, returns, or results from using our educational materials. Investment decisions should always be based on your individual financial situation, risk tolerance, and investment objectives.

Market conditions, economic factors, and individual circumstances can significantly impact investment performance. Our educational content is designed to help you understand these factors but cannot predict or guarantee specific outcomes.

To the fullest extent permitted by applicable law, Polestra Cravendo shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses.

Scope of Limitations:

• Financial losses resulting from investment decisions
• Interruption or termination of services
• Errors or omissions in content or materials
• Unauthorized access to or alteration of your data
• Third-party conduct or content on our platform

Our total liability to you for all damages, losses, and causes of action shall not exceed the amount paid by you, if any, for accessing our services during the twelve months immediately preceding the event giving rise to liability.

You agree to defend, indemnify, and hold harmless Polestra Cravendo, its officers, directors, employees, agents, licensors, and suppliers from and against any claims, actions, demands, liabilities, and settlements, including without limitation reasonable legal and accounting fees, resulting from or alleged to result from your violation of these Terms of Use or your use of our services.

This indemnification obligation will survive the termination of your use of our services and will continue for the maximum period permitted by applicable law.

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms of Use.

Effect of Termination:

Upon termination, your right to use our services will cease immediately. All provisions of the Terms of Use which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

You may also terminate your account at any time by discontinuing your use of our services and contacting us to request account closure.

These Terms of Use shall be interpreted and governed by the laws of the Province of Alberta, Canada, without regard to its conflict of law provisions. Any legal action or proceeding arising under these terms will be brought exclusively in the courts of Alberta, Canada.

You hereby consent to the personal jurisdiction of such courts and waive any objection to the laying of venue of any such proceeding in such courts.

We reserve the right to modify or replace these Terms of Use at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.

Material changes may include modifications to our liability limitations, dispute resolution procedures, or fundamental changes to our services. We will notify users of material changes through email or prominent notices on our website.

Your continued use of our services after we post any modifications to the Terms of Use constitutes acceptance of those changes. We recommend reviewing these terms periodically to stay informed of any updates.