Terms & Conditions
Application of Terms
We may change these Terms at any time by notifying you of the change by email or by posting a notice on the Website. Unless stated otherwise, any change takes effect from the date set out in the notice. You are responsible for ensuring you are familiar with the latest Terms. By continuing to access and use the Service from the date on which the Terms are changed, you agree to be bound by the changed Terms.
These Terms were last updated on 04/10/2023
Investment Advice
Fincapital Partners is NOT providing any investment advice. MIFID Directive 2014/65/EU defines Investment advice as « the provision of personal recommendations to a client, either upon its request or at the initiative of the investment firm, in respect of one or more transactions relating to financial instruments ». Article 9 of Delegated Regulation (UE) 2017/565 defines a personal recommendation as « a recommendation that is made to a person in his capacity as an investor or potential investor. That recommendation shall be presented as suitable for that person, or shall be based on a consideration of the circumstances of that person, and shall constitute a recommendation to take one of the following sets of steps: (a) to buy, sell, subscribe for, exchange, redeem, hold or underwrite a particular financial instrument; (b) to exercise or not to exercise any right conferred by a particular financial instrument to buy, sell, subscribe for, exchange, or redeem a financial instrument. ». None of the Fincapital Partners communications are personals. All communications are generic and Fincapital Partners does not take into account the personal situation nor the financial objectives of its users. The users are responsible for their choices and for their potential losses, including the complete loss of their capital.
Prospectus
Article 3 of Regulation UE 2017/1129 provides that securities shall only be offered to the public in the European Union after prior publication of a prospectus. Under the prospectus regime, securities approved in one member state benefit from the financial passport and can be offered in any other EEA state.
Securities mentionned in this website are listed on regulated markets and are subject to prospectus approval.
Fincapital is not acting as a security offerer himself.
Solicitation
Non of the communication made by Fincapital Partners shall be considered as a financial solicitation. Financial solicitation is unsolicited contact by any means with a view to obtaining an agreement on an operation on financial instruments. Investor shall take advice directly to their bank or advisors.
Furthermore, investor category screening might be required prior any further relationship.
Financial Investment Risk Disclaimer and Warning
Important Notice: Please read this disclaimer carefully before joining Fincapital Partners. Investment carries inherent risks, and you should fully understand these risks before proceeding.
1. No Guarantees or Promises: All financial investments, including stocks, bonds, mutual funds, real estate, and any other asset class, carry risks. There are no guarantees or promises of profit, and you may lose some or all of your invested capital.
2. Past Performance: Past performance is not indicative of future results. Historical performance data should not be relied upon as a sole indicator of potential investment success. Markets can be volatile and subject to unforeseen events.
3. Diversification: Diversification is a risk management strategy, but it does not eliminate all risk. Spreading your investments across different asset classes may reduce the impact of a poor-performing investment but does not guarantee gains.
4. Market Risk: Financial markets are influenced by a multitude of factors, including economic conditions, geopolitical events, interest rates, and investor sentiment. These factors can lead to sudden and significant price fluctuations.
5. Liquidity Risk: Some investments may lack liquidity, making it difficult to buy or sell assets at desired prices. Illiquid investments can result in losses if you need to access your capital quickly.
6. Risk of Loss: You may lose part or all of your investment. It is crucial to assess your financial situation, risk tolerance, and investment goals before committing funds to any investment opportunity.
7. Research and Due Diligence: Conduct thorough research and due diligence before investing. This includes understanding the investment’s fundamentals, assessing its suitability for your financial goals, and considering professional advice if necessary.
8. Professional Advice: Consider seeking advice from a qualified financial advisor or consultant before making investment decisions. They can provide personalised guidance based on your financial situation and goals.
9. Regulatory Risks: Investments are subject to regulatory changes and government policies that can impact their performance and taxation. Stay informed about these changes.
10. Economic and Global Risks: Economic downturns, global events, and natural disasters can affect financial markets and investment values. Be prepared for unforeseen circumstances.
11. Risk Tolerance: Assess your risk tolerance and invest accordingly. Only invest capital you can afford to lose, and avoid making emotionally driven investment decisions.
12. Volatility: Many investments, particularly stocks and forex, can be highly volatile. Be prepared for price fluctuations and the potential for rapid gains or losses.
13. Inflation: Inflation can erode the real value of your investments over time. Consider how your investments can outpace inflation to preserve your purchasing power.
14. Disclosure: We, as providers of this disclaimer, do not endorse or recommend specific investments. You should take investment decision at your own discretion and at your sole responsibility.
Indemnification: Fincapital Partners is not responsible for your actions and will not indemnify you in case of loss.
You should only proceed if you fully understand and are willing to accept these risks. Consult with a financial professional to create a diversified investment strategy tailored to your individual circumstances and goals. The value of investments can rise or fall, and past performance is not indicative of future results. Investing in stock market is your sole responsibility.
INTERPRETATION
Confidential Information means any information that is not public knowledge and that is obtained from the other party in the course of, or in connection with, the provision and use of the Service. Our Confidential Information includes Intellectual Property owned by us (or our licensors), including the Fincapital Partners Software.
Data means all data, content, and information (including personal information) owned, held, used or created by you or on your behalf that is stored using, or inputted into, the Service.
Fees means the applicable fees set out on our pricing page on the Website on inside our platform at fincapital.partners or other sub-domains or as agreed otherwise in writing between you and us, as may be updated from time to time in accordance with this clause.
Force Majeure means an event that is beyond the reasonable control of a party, excluding, an event to the extent that it could have been avoided by a party taking reasonable steps or reasonable care; or a lack of funds for any reason.
Including and similar words do not imply any limit.
Intellectual Property Rights includes copyright and all rights existing anywhere in the world conferred under statute, common law or equity relating to inventions (including patents), registered and unregistered trademarks and designs, circuit layouts, data and databases, confidential information, know-how, and all other rights resulting from intellectual activity.
Intellectual Property has a consistent meaning, and includes any enhancement, modification or derivative work of the Intellectual Property.
Objectionable includes being objectionable, defamatory, obscene, harassing, threatening, harmful, or unlawful in any way.
A party includes that party’s permitted assigns
a person includes an individual, a body corporate, an association of persons (whether corporate or not), a trust, a government department, or any other entity.
Personal information means information about an identifiable, living person, personnel includes officers, employees, contractors and agents, but a reference to your personnel does not include us.
Service means the service having the core functionality described on the Website, as the Website is updated from time to time.
Start Date means the date that you set up an account.
Terms means these terms.
Underlying Systems means the Fincapital Partners Software, IT solutions, systems and networks (including software and hardware) used to provide the Service, including any third-party solutions, systems and networks.
We, us or our means Fincapital Partners or any other futures affiliated undertakings who participate to our services;
Website means the internet site at https://fincapital.partners, including its sub-domain or such other site notified to you by us.
Year means a 12-month period starting on the Start Date or the anniversary of that date.
You means both you and the other person on whose behalf you are acting.
Words in the singular include the plural and vice versa.
A reference to a statute includes references to regulations, orders or notices made under or in connection with the statute or regulations and all amendments, replacements or other changes to any of them.
PROVISION OF THE SERVICE
We must use reasonable efforts to provide the Service:
– In accordance with these Terms and Swiss and European law;
– Exercising reasonable care, skill and diligence;
– And using suitably skilled, experienced and qualified personnel.
Our provision of the Service to you is non-exclusive.
Nothing in these Terms prevents us from providing the Service to any other person. We must use reasonable efforts to ensure the Service is available on a 24/7 basis. However, it is possible that on occasion the Service may be unavailable to permit maintenance or other development activity to take place, or in the event of Force Majeure. We must use reasonable efforts to publish on the Website or notify you by email advance details of any unavailability.
YOUR OBLIGATIONS
You and your personnel must:
– Use the Service in accordance with these Terms solely for: your own internal business purposes; and lawful purposes and not resell or make available the Service to any third party, or otherwise commercially exploit the Service.
– When accessing the Service, you and your personnel must: not impersonate another person or misrepresent authorization to act on behalf of others or us.
– Do not use our services for illicit activities.
– Correctly identify the sender of all electronic transmissions.
– Not attempt to undermine the security or integrity of the Underlying Systems.
– Not use, or misuse, the Service in any way which may impair the functionality of the Underlying Systems or impair the ability of any other user to use the Service.
– Not attempt to view, access or copy any material or data other than that which you are authorized to access.
– And to the extent necessary for you to use the Service in accordance with these Terms;
– And neither use the Service in a manner, nor transmit, input or store any Data, that breaches any third party right (including Intellectual Property Rights and privacy rights) or is Objectionable, incorrect or misleading.
A breach of any of these Terms by your personnel is deemed to be a breach of these Terms by you.
You are responsible for procuring all licenses, authorizations and consents required for you and your personnel to use the Service, including to use, store and input Data into, and process and distribute Data through, the Service.
DATA
You acknowledge that: we may require access to the Data to exercise our rights and perform our obligations under these Terms; and to the extent that this is necessary but subject to those terms, we may authorize a member or members of our personnel to access the Data for this purpose. You must arrange all consents and approvals that are necessary for us to access the Data.
You acknowledge and agree that we may use Data to generate anonymized and aggregated statistical and analytical data (Analytical Data); use Analytical Data for our internal research and product development purposes and to conduct statistical analysis and identify trends and insights; our rights under will survive termination or expiry of these Terms; and title to, and all Intellectual Property Rights in, Analytical Data is and remains our property.
You acknowledge and agree that to the extent Data contains personal information, in collecting, holding and processing that information through the Service, we are acting as your agent for the purposes of the GDPR regulation and any other applicable privacy law. You must obtain all necessary consents from the relevant individual to enable us to collect, use, hold and process that information in accordance with these Terms.
While we will take standard industry measures to back up all Data stored using the Service, you agree to keep a separate back-up copy of all Data uploaded by you onto the Service. You indemnify us against any liability, claim, proceeding, cost, expense (including the actual legal fees charged by our solicitors) and loss of any kind arising from any actual or alleged claim by a third party that any Data infringes the rights of that third party (including Intellectual Property Rights and privacy rights) or that the Data is Objectionable, incorrect or misleading.
INTELLECTUAL PROPERTY
Subject to this clause, title to, and all Intellectual Property Rights in, the Service, the Website, and all Underlying Systems is and remains our property (and our licensors’ property). You must not contest or dispute that ownership, or the validity of those Intellectual Property Rights.
To the extent not owned by us, you grant us a royalty-free, transferable, irrevocable and perpetual licence to use for our own business purposes anyknow-how, techniques, ideas, methodologies, and similar Intellectual Property used by us in the provision of the Service.
If you provide us with ideas, comments or suggestions relating to the Service or Underlying Systems (together feedback), all Intellectual Property Rights in that feedback, and anything created as a result of that feedback (including new material, enhancements, modifications or derivative works), are owned solely by us; and we may use or disclose the feedback for any purpose.
You acknowledge that the Service may link to third party websites or feeds that are connected or relevant to the Service. Any link from the Service does not imply that we endorse, approve or recommend, or have responsibility for, those websites or feeds or their content or operators. To the maximum extent permitted by law, we exclude all responsibility or liability for those websites or feeds.
CONFIDENTIALITY
Each party must, unless it has the prior written consent of the other party keep confidential at all times the Confidential Information of the other party; Effect and maintain adequate security measures to safeguard the other party’s Confidential Information from unauthorized access or use; and Disclose the other party’s Confidential Information to its personnel or professional advisors on a need to know basis only and, in that case, ensure that any personnel or professional advisor to whom it discloses the other party’s Confidential Information is aware of, and complies with, this clause.
The obligation of confidentiality in this clause does not apply to any disclosure or use of Confidential Information for the purpose of performing a party’s obligations, or exercising a party’s rights, or due to a legal obligation. In this latter case, data may be shared with service providers or public authorities. This clause does not apply on information which is publicly available through no fault of the recipient of the Confidential Information or its personnel which was rightfully received by a party from a third party without restriction and without breach of any obligation of confidentiality; or by us if required as part of a bona fide sale of our business (assets or shares, whether in whole or in part) to a third party, provided that we enter into a confidentiality agreement with the third party on terms no less restrictive than this clause.
WARRANTIES
Each party warrants that it has full power and authority to enter into, and perform its obligations under, these Terms.
To the maximum extent permitted by law, our warranties are limited to those setout in these Terms, and all other conditions, guarantees or warranties whether expressed or implied by statute or otherwise are expressly excluded and, to the extent that they cannot be excluded, liability for them is limited to USD500 and we make no representation concerning the quality of the Service and do not promise that the Service will meet your requirements or be suitable for a particular purpose or be secure, free of viruses or other harmful code, uninterrupted or error free.
Where legislation or rule of law implies into these Terms a condition or warranty that cannot be excluded or modified by contract, the condition or warranty is deemed to be included in these Terms. However, our liability for any breach of that condition or warranty is limited, at our option, to supplying the Service again; and/or paying the costs of having the Service supplied again.
LIABILITY
Our maximum aggregate liability under or in connection with these Terms or relating to the Service, whether in contract, tort (including negligence), breach of statutory duty or otherwise, must not in any Year exceed $500. Neither party is liable to the other under or in connection with these Terms or the Service for any loss of profit, revenue, savings, business, use, data (including Data), and/or goodwill; or consequential, indirect, incidental or special damage or loss of any kind.
Neither party will be responsible, liable, or held to be in breach of these Terms for any failure to perform its obligations under these Terms or otherwise, to the extent that the failure is caused by the other party failing to comply with its obligations under these Terms, or by the negligence or misconduct of the other party or its personnel.
Each party must take reasonable steps to mitigate any loss or damage, cost or expense it may suffer or incur arising out of anything done or not done by the other party under or in connection with these Terms or the Service.
TERM, TERMINATION AND SUSPENSION
Unless terminated under this clause, these Terms and your right to access and use the Service starts on the Start Date; and continues until a party gives at least 15 days notice that these Terms and your access to and use of the Service will terminate on the expiry of that notice.
Either party may, by notice to the other party, immediately terminate these Terms and your right to access and use the Service if the other party breaches any material provision of these Terms and the breach is not remedied within 10days of the receipt of a notice from the first party requiring it to remedy the breach; or capable of being remedied; or becomes insolvent, liquidated or bankrupt, has an administrator, receiver, liquidator, statutory manager, mortgagee’s or chargee’s agent appointed, becomes subject to any form of insolvency action or external administration, or ceases to continue business for any reason.
You may terminate these Terms and your right to access and use the Service. Termination of these Terms does not affect either party’s rights and obligations that accrued before that termination. On termination of these Terms, you must pay all Fees for the provision of the Service prior to that termination. No compensation is payable by us to you as a result of termination of these Terms for whatever reason, and you will not be entitled to a refund of any Fees that you have already paid.
Except to the extent that a party has ongoing rights to use Confidential Information, at the other party’s request following termination of these Terms, a party must promptly return to the other party or destroy all Confidential Information of the other party that is in the first party’s possession or control.
At any time prior to one month after the date of termination, you may request: a copy of any Data stored using the Service, provided that you pay our reasonable costs of providing that copy. On receipt of that request, we must provide a copy of the Data in a common electronic form. We do not warrant that the format of the Data will be compatible with any software; and/or deletion of the Data stored using the Service, in which case we must use reasonable efforts to promptly delete that Data.
Without limiting any other right or remedy available to us, we may restrict or suspend your access to and use of the Service and/or delete, edit or remove the relevant Data if we consider that you or any of your personnel have undermined, or attempted to undermine, the security or integrity of the Service or any Underlying Systems used, or attempted to use, the Service for improper purposes; or in a manner, other than for normal operational purposes, that materially reduces the operational performance of the Service; transmitted, inputted or stored any Data that breaches or may breach these Terms or any third party right (including Intellectual Property Rights and privacy rights), or that is or may be Objectionable, incorrect or misleading; or otherwise materially breached these Terms.
GENERAL
Neither party is liable to the other for any failure to perform its obligations under these Terms to the extent caused by Force Majeure.
No person other than you and us has any right to a benefit under, or to enforce, these Terms. For us to waive a right under these Terms, that waiver must be in writing and signed by us.
We are your independent contractor, and no other relationship (e.g. joint venture, agency, trust or partnership) exists under these Terms. If we need to contact you, we may do so by email or by posting a notice on the Website. You agree that this satisfies all legal requirements in relation to written communications. You may give notice to us under or in connection with these Terms by emailing.
These Terms, and any dispute relating to these Terms or the Service, are governed by and must be interpreted in accordance with the laws of Switzerland. Each party submits to the non-exclusive jurisdiction of the Courts of Switzerland in relation to any dispute connected with these Terms or the Service. Clauses which, by their nature, are intended to survive termination of these Terms continue in force.
If any part or provision of these Terms is or becomes illegal, unenforceable, or invalid, that part or provision is deemed to be modified to the extent required to remedy the illegality, unenforceability or invalidity. If modification is not possible, the part or provision must be treated for all purposes as severed from these Terms. There mainder of these Terms will be binding on you.
Any variation to these Terms must be in writing and signed by both parties. These Terms set out everything agreed by the parties relating to the Service, and supersede and cancel anything discussed, exchanged or agreed prior to the Start Date. The parties have not relied on any representation, warranty or agreement relating to the Service that is not expressly set out in these Terms, and no such representation, warranty or agreement has any effect from the Start Date.
You may not assign, novate, subcontract or transfer any right or obligation under these Terms without our prior written consent, that consent not to be unreasonably withheld. You remain liable for your obligations under these Terms despite any approved assignment, subcontracting or transfer.