1. General Information & Definitions

Welcome to Kaptal ("we," "our," or "us"). These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using Kaptal, you agree to be bound by these Terms. If you do not agree, you may not use the service.

"User" means any individual accessing or using the site. "Service" means the website, content, and features provided by Kaptal.

2. Acceptance of Terms

By accessing and using this service, you accept and agree to be bound by these Terms. These Terms apply to all visitors, users, and others who access or use the service.

3. Service Description

Kaptal provides curated financial news and market intelligence. Our service includes:

• •Structured financial news summaries
• •Market sentiment analysis
• •Impact assessment of market events
• •Filtering and categorization tools

The service is provided "as is" and for informational purposes only. No paid services are currently offered.

4. User Responsibilities & Prohibited Use

You are responsible for using the service in compliance with applicable laws. You expressly agree not to:

• •Use the service for unlawful, harmful, fraudulent, or deceptive purposes
• •Attempt to interfere with, disrupt, or compromise the security or integrity of the service or its infrastructure
• •Use any automated tools, bots, crawlers, scrapers, spiders, robots, or similar data mining techniques to access, monitor, or copy any content from the service
• •Reverse engineer, decompile, disassemble, or attempt to derive the source code of any part of the service
• •Reproduce, distribute, republish, resell, rent, lease, sublicense, or otherwise exploit any content or data from the service for commercial purposes
• •Create derivative works based on the service or its content without explicit written permission
• •Use the service in a manner that could damage, disable, overburden, or impair our servers or networks
• •Attempt to gain unauthorized access to any systems, accounts, or networks connected to the service
• •Circumvent or attempt to circumvent any access restrictions, rate limiting, or security measures implemented by the service
• •Use the service to develop, train, or improve competing products or services

Enforcement: We reserve the right to take any and all necessary actions, including but not limited to blocking access, terminating usage, conducting investigations, and initiating legal proceedings against any parties found to be in breach of these terms. We may implement technical measures to detect and prevent prohibited activities.

Any investment decisions are made at your own risk. All content is for informational purposes only and does not constitute financial advice.

5. Content, Disclaimers & Third-Party Data

Important: Kaptal is not financial, investment, legal, or tax advice.

• •All content is for informational purposes only
• •We do not guarantee the accuracy, completeness, or timeliness of any information, including third-party data
• •We do not provide investment, legal, or tax advice
• •Past performance does not guarantee future results

Always consult with qualified professionals before making investment decisions.

6. Analytics, Cookies & Privacy

We use analytics tools such as Google Analytics to understand how users interact with our service. For more information on how Google collects and processes data, please see Google's Privacy & Terms.

We may use cookies and similar technologies to enhance your experience. You will be able to manage your cookie preferences via our cookie consent tool. For more details, please refer to our Privacy Policy.

7. User Data & Feedback

If you submit feedback or contact us via forms on the site, you may be asked to provide your email address. This information will be used solely to respond to your inquiry or feedback, and handled in accordance with our Privacy Policy.

You retain ownership of your data, but grant us a license to use it for the purpose of providing our services.

8. Links to Third-Party Sites

Our service may contain links to third-party websites or resources. We are not responsible for the content, privacy policies, or practices of any third-party sites. Accessing such links is at your own risk.

9. Intellectual Property

The service and all original content, features, and functionality are owned by Kaptal and protected by EU and international copyright and intellectual property laws. You may not reproduce, distribute, modify, scrape, or create derivative works of our content without explicit written permission.

All rights not expressly granted are reserved by Kaptal.

10. Limitation of Liability

In no event shall Kaptal be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses. Our total liability shall not exceed the amount paid by you, if any, for accessing our service.

11. Right to Restrict Access & Termination

We reserve the right to modify, restrict, or discontinue the service at any time without notice. We may also update these Terms from time to time. Changes will be effective immediately upon posting. Your continued use constitutes acceptance of the updated Terms.

We may restrict or terminate your access to the service at our sole discretion, without liability.

12. Jurisdiction & Governing Law

These Terms are governed by and construed in accordance with the laws of the European Union and applicable international law. Any disputes arising from or relating to these Terms shall be resolved in accordance with the applicable jurisdiction where the service is provided.

13. General Provisions

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect. These Terms constitute the entire agreement between you and Kaptal regarding the service, superseding any prior agreements. You may not assign your rights under these Terms without our written consent.

14. Contact

For any questions or concerns about these Terms, please contact us at hello@kaptal.io.