Terms of Service

1. Terms

By accessing the website at www.Innovative Investor.io, you are agreeing to be bound by these terms of service, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law.

2. Use License

  • Permission is granted to temporarily download one copy of the materials (information or software) on Innovative Investor's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
    1. modify or copy the materials;
    2. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
    3. attempt to decompile or reverse engineer any software contained on Innovative Investor's website;
    4. remove any copyright or other proprietary notations from the materials; or
    5. transfer the materials to another person or "mirror" the materials on any other server.
  • This license shall automatically terminate if you violate any of these restrictions and may be terminated by Innovative Investor at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

3. Disclaimer

  • The materials on Innovative Investor's website are provided on an 'as is' basis. Innovative Investor makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.
  • Further, Innovative Investor does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.
  • 4. Limitations

    In no event shall Innovative Investor or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Innovative Investor's website, even if Innovative Investor or a Innovative Investor authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

    5. Accuracy of materials

    The materials appearing on Innovative Investor's website could include technical, typographical, or photographic errors. Innovative Investor does not warrant that any of the materials on its website are accurate, complete or current. Innovative Investor may make changes to the materials contained on its website at any time without notice. However Innovative Investor does not make any commitment to update the materials.

    6. Links

    Innovative Investor has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Innovative Investor of the site. Use of any such linked website is at the user's own risk.

    7. Modifications

    Innovative Investor may revise these terms of service for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these terms of service.

    8. Governing Law

    These terms and conditions are governed by and construed in accordance with the laws of British Columbia and you irrevocably submit to the exclusive jurisdiction of the courts in that State or location.

    9. Eligibility

    General Requirements

    For users who are 18 years of age or older and who meet the conditions set forth in these Terms. You represent, warrant, and represent that you are: (a) of legal age (at least 18 years old); (b) have not been designated as a Specially Designated National by the Office of Foreign Assets Control; (c) have not been added to the Canada & United States Commerce Department's Denied Persons List; and (d) have full power and authority to agree to these Terms.

    Restricted Locations

    You may not use the Services if you live in, or are a citizen or resident of, a state, province, territory, or other jurisdiction that Canada or the United States have embargoed, or if your use of the Services would be illegal or would violate any applicable law. You represent and warrant that you are not a citizen or resident of any such jurisdiction and will refrain from accessing or using any Services while in that jurisdiction. You may not use the Services if you are located in, or a citizen or resident of, any jurisdiction in which Innovative Investor has determined, in its sole discretion, that the Services are prohibited.

    User Accounts and Account Security

    User Account

    To access any or all of our Services, you can need to create an account. If you have an account, you must have correct account information and update it as soon as possible if it changes. It is not permitted for anyone to use your account. You must also ensure the protection of your account and notify us immediately if you discover or suspect that someone has accessed your account without your permission. If you allow others to use your account credentials, you are responsible for the actions of those users when connected to your account. We reserve the right to reclaim usernames on behalf of companies or persons that have a legitimate claim to such usernames, including trademark rights.

    Exchange Access

    We cannot always predict or foresee technological or other difficulties that can result in data loss, personalization settings, or other service interruptions. We cannot and will not be held liable for the accuracy, timeliness, deletion, non-delivery, or failure to store any user data, messages, or personalization settings. Account Information, for example, is just as accurate as the time shown when viewed via the Services, which shows when the information was accessed from those sites. When accessed directly from the appropriate sources, such information might be more up-to-date.

    Premium Features

    Certain features of our Services may be restricted to premium subscribers who pay a monthly subscription fee. You agree to pay any fees associated with the premium services that you use or subscribe to as described on the Innovative Investor Site. If you do not pay these fees, your paid Services will be terminated. You also agree that:

    We may store and continue billing your payment method (e.g., credit card) even after it has expired in order to avoid service interruptions and to pay for additional Services you may purchase.

    All payments are final and no refunds will be accepted.

    Identity Verification

    Depending on the functions you wish to enable on your account and our risk assessment, we may require identity verification and other screening procedures concerning you or transactions associated with your account at our discretion. These verification and screening procedures may include but are not limited to checking the information you provide against the US Office of Foreign Assets Control's Specially Designated Nationals and Blocked Persons List, the US Department of Commerce's Denied person list, and any similar list issued by any US governmental entity. You may be required to provide us with certain personal information, including your name, address, telephone number, email address, date of birth, taxpayer identification number, government identification number, photograph of your government-issued identification or other photographic proof of your identity, and information regarding your b You hereby agree to allow us, directly or through a third party, to make any inquiries necessary to verify your identity and/or protect against fraud, including but not limited to the following: (a) query identity information contained in public reports (e.g., your name, address, previous addresses, or date of birth); (b) query account information contained in public reports (e.g., your name, address, previous addresses, or date of birth); (c) query account information contained in public reports (e.g., your Additionally, you authorise any and all third parties to whom such inquiries or requests may be directed to respond fully to such inquiries or requests. We will not be liable or responsible for any inability to access or use any Services, whether permanent or temporary, due to any identity verification or other screening procedures.

    User Content

    Our Services may enable you and other users to create, publish, store, and share content, such as messages, text, photos, videos, and software. Except for the licence granted below, you retain all rights to and ownership of your User Content.

    You grant Innovative Investor and its subsidiaries and affiliates a perpetual, irrevocable, nonexclusive, royalty-free, worldwide, fully paid, and sublicensable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, publicly perform and display your User Content and any name, username or likeness provided in connection with your User Content in all media formats and channels now known or later developed without compensation to you. Depending on your account settings, when you post or otherwise share User Content on or through our Services, you understand that your User Content and any associated information (such as your username or profile photo) may be visible to others.

    You grant Innovative Investor and its subsidiaries and affiliates a perpetual, irrevocable, nonexclusive, royalty-free, worldwide, fully paid, and sublicensable licence to use, reproduce, modify, adapt, publish, translate, distribute, publicly perform, and display your User Content and any name, username, or likeness provided in connection with the User Content. When you post or otherwise share User Content on or through our Services, you acknowledge that your User Content and any associated information (such as your username or profile photo) may be visible to others based on your account settings.

    Prohibited Conduct and Content

    You agree that you will not violate any applicable law, contract, intellectual property right, or other third-party right, or commit a tort, and that you are solely responsible for your conduct while using our Services. You are not going to;

    • Add or attempt to add any other person’s Account Information to your account;
    • Engage in any harassing, threatening, intimidating, predatory or stalking conduct;
    • Use or attempt to use another user's account without authorization from that user and Innovative Investor;
    • Impersonate or post on behalf or any person or entity or otherwise misrepresent your affiliation with a person or entity;
    • Sell, resell or commercially use our Services;
    • Copy, reproduce, distribute, publicly perform or publicly display all or portions of our Services, except as expressly permitted by us or our licensors;
    • Modify our Services, remove any proprietary rights notices or markings, or otherwise make any derivative works based upon our Services;
    • Use our Services other than for their intended purpose and in any manner that could interfere with, disrupt, negatively affect or inhibit other users from fully enjoying our Services or that could damage, disable, overburden or impair the functioning of our Services in any manner;
    • Reverse engineer any aspect of our Services or do anything that might discover source code or bypass or circumvent measures employed to prevent or limit access to any part of our Services;
    • Attempt to circumvent any content-filtering techniques we employ or attempt to access any feature or area of our Services that you are not authorized to access;
    • Use any data mining, robots or similar data gathering or extraction methods designed to scrape or extract data from our Services;
    • Develop or use any applications that interact with our Services without our prior written consent;
    • Send, distribute or post spam, unsolicited or bulk commercial electronic communications, chain letters, or pyramid schemes;
    • Bypass or ignore instructions contained in our robots.txt file; or
    • Use our Services for any illegal or unauthorized purpose, or engage in, encourage or promote any activity that violates these Terms.
    • You may also post or otherwise share only User Content that is nonconfidential and that you have all necessary rights to disclose. You may not create, post, store or share any User Content that:
    • Is unlawful, libelous, defamatory, obscene, pornographic, indecent, lewd, suggestive, harassing, threatening, invasive of privacy or publicity rights, abusive, inflammatory or fraudulent;
    • Would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party or otherwise create liability or violate any local, state, national or international law;
    • May infringe any patent, trademark, trade secret, copyright or other intellectual or proprietary right of any party;
    • Contains or depicts any statements, remarks or claims that do not reflect your honest views and experiences;
    • Impersonates, or misrepresents your affiliation with, any person or entity;
    • Contains any unsolicited promotions, political campaigning, advertising or solicitations;
    • Contains any private or personal information of a third party without such third party’s consent;
    • Contains any viruses, corrupted data or other harmful, disruptive or destructive files or content; or
    • In our sole judgment, is objectionable, restricts or inhibits any other person from using or enjoying our Services, or may expose Innovative Investor or others to any harm or liability of any type.
    • Enforcement of this Section 6 is solely at our discretion, and failure to enforce this section in some instances does not constitute a waiver of our right to enforce it in other instances. In addition, this Section 6 does not create any private right of action on the part of any third party or any reasonable expectation that the Services will not contain any content that is prohibited by such rules.

    Ownership

    Innovative Investor or our licensors own the Services, including the text, graphics, images, photographs, videos, illustrations, and other content contained therein, and they are protected under both United States and foreign law. Except as expressly stated in these Terms, we or our licensors reserve all rights in and to the Services. You are hereby granted a limited, nonexclusive, nontransferable, non-sublicensable, revocable licence to access and use our Services for your personal use, subject to your compliance with these Terms. Without our prior written permission, any use of the Services other than as expressly authorised herein is strictly prohibited, will terminate the licence granted herein, and will violate our intellectual property rights.

    Trademarks

    Innovative Investor.IO and our logos, product or service names, slogans, and the look and feel of the Services are Innovative Investor trademarks and may not be copied, imitated, or used, in whole or in part, without our prior written permission. The Services may contain other trademarks, registered trademarks, product names, and company names or logos that are the property of their respective owners. Any reference to products, services, processes, or other information by trade name, trademark, manufacturer, supplier, or otherwise does not constitute or imply our endorsement, sponsorship, or recommendation of those products, services, processes, or other information.

    Feedback

    You may voluntarily post, submit, or otherwise communicate to Innovative Investor or our Services any questions, comments, suggestions, ideas, original or creative materials, or other information (collectively, Feedback). You acknowledge and agree that we may use your Feedback for any purpose, commercial or otherwise, without acknowledgment or compensation to you, including but not limited to developing, copying, publishing, or improving the Feedback in our sole discretion. You acknowledge that Innovative Investor may consider Feedback to be non-confidential.

    Repeat Infringer Policy

    In accordance with the Digital Millennium Copyright Act and other applicable laws, we have adopted a policy of terminating accounts of users who repeatedly infringe the intellectual property rights of others in appropriate circumstances.

    Third-Party Content

    We may provide information about third-party products, services, activities, or events, or we may allow third-party content and information to be made available on or through the Services by third parties. We provide Third-Party Content as a service to those who are interested in it. Your interactions or correspondence with third parties, as well as your use or interaction with Third-Party Content, are solely between you and the third party. Innovative Investor does not control or endorse Third-Party Content and makes no representations or warranties about it, and you access and use such Third-Party Content at your own risk.

    Indemnification

    To the extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Innovative Investor and our subsidiaries and affiliates, as well as each of our respective officers, directors, agents, partners, and employees, against any losses, liabilities, claims, demands, damages, expenses, or costs arising out of or related to (a) your access to You agree to promptly notify Innovative Investor Parties of any third-party Claims, to cooperate with Innovative Investor Parties in defending such Claims, and to reimburse Innovative Investor Parties for all fees, costs, and expenses incurred in defending such Claims. Additionally, you agree that the Innovative Investor Parties will have sole control over the defence or settlement of any third-party Claims, at Innovative Investor's sole discretion. This indemnity is in addition to, and does not supersede, any other indemnities set forth in a written agreement between you and Innovative Investor or the other Innovative Investor Parties.

    Disclaimers

    You are solely responsible for your use of our Services. Unless otherwise specified in writing by us, our Services and any content contained therein are provided "as is." without any express or implied warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Additionally, Innovative Investor makes no representations or warranties about the accuracy, completeness, reliability, currentness, or error-free nature of our Services. While Innovative Investor makes reasonable efforts to ensure the safety of our Services and any content contained therein, we cannot and do not represent or warrant that our Services or servers are virus-free or free of other harmful components. You bear sole responsibility for the Services' quality and performance.

    Innovative Investor AND THE SERVICES ARE NOT DESIGNED TO PROVIDE LEGAL, TAX, OR FINANCIAL ADVICE. Innovative Investor IS NOT AN INSURANCE BROKER, FINANCIAL PLANNER, OR TAX ADVISOR. The Services are intended to assist you in organising and making Token-related decisions, and their scope is broad. As such, before making any final decisions or implementing any Token strategy, you should seek additional information and advice from your accountant or other financial advisers who are fully aware of your unique circumstances.

    Limitation of Liability

    To the fullest extent permitted by applicable law, Innovative Investor and the other Innovative Investor Parties will not be liable to you under any theory of liability, including contract, tort, negligence, strict liability, warranty, or otherwise, for any indirect, consequential, exemplary, incidental, punitive, special, or exemplary damages or lost profits, regardless of whether Innovative Investor or the other Innovative Investor Parties are negligent.

    Innovative Investor and the other Innovative Investor Parties' total liability to you for any claim arising out of or relating to these Terms or our Services, regardless of the form of action, is limited to the greater of $100 or the amount you paid to use our Services.

    The limitations set forth in this Section 14 do not apply to Innovative Investor or the other Innovative Investor Parties' gross negligence, fraud, or intentional misconduct, or to any other matters for which liability cannot be excluded or limited under applicable law.

    Release

    To the fullest extent permitted by law, you release Innovative Investor and the other Innovative Investor Parties from responsibility, liability, claims, demands, and/or damages (actual and consequential) of every kind and nature, known and unknown (including, but not limited to, claims of negligence), arising out of or related to disputes between users and the acts of third parties. If you are a Canadian resident and a consumer, you hereby waive your rights under British Columbia's Civil Rights Act. A general release does not apply to claims that the creditor is unaware of or suspects exist in his or her favour at the time of the release's execution, but which, if known, would have materially impacted his or her settlement with the debtor.

    Transfer and Processing Data

    You consent to our processing, transfer, and storage of information about you in the United States and other countries, where you may not have the same rights and protections as under local law.

    Dispute Resolution

    Please read the following section carefully because it requires you to arbitrate certain disputes and claims with Innovative Investor and restricts how you can seek relief from us, unless you opt out of arbitration by following the instructions set forth below. This arbitration agreement expressly prohibits class or representative actions or arbitrations. Additionally, arbitration precludes you from filing a lawsuit in court or requesting a jury trial.

    There are no Representative Acts. You and Innovative Investor agree that any dispute arising out of or in connection with these Terms or our Services is personal to you and Innovative Investor and will be resolved solely through individual action, rather than through class arbitration, class action, or any other type of representative proceeding.

    Dispute Resolution by Arbitration. Except for small claims disputes in which you or Innovative Investor seeks to bring an individual action in small claims court located in the county of your billing address, or disputes in which you or Innovative Investor seeks injunctive or other equitable relief for alleged wrongful use of intellectual property, you and Innovative Investor waive your rights to a jury trial and to have the case tried in a court of competent jurisdiction. Rather than that, you agree to contact Innovative Investor and attempt to resolve any dispute or claim you may have against Innovative Investor or relating in any way to the Services informally by sending a written notice of your claim to Innovative Investor via email at team@innovativeinvestor.io. The Notice must contain the following information: (a) your name, residence address, email address, and telephone number; (b) a description of the nature and basis of the claim; and (c) the specific relief sought. Our notice to you will take the same form as described previously. If you and Innovative Investor cannot agree on a resolution within thirty (30) days of receiving the Notice, either party may submit the dispute to binding arbitration administered by JAMS or, in the limited circumstances set forth above, to court. JAMS will resolve all disputes through confidential, binding arbitration before a single arbitrator. Arbitration will take place in Vancouver, British Columbia, or via telephone or video conference for disputes involving less than $100, in accordance with the JAMS Streamlined Arbitration Rules and Procedures. The JAMS Rules are available on the JAMS website and are hereby incorporated by reference. You may either acknowledge and agree that you have read and comprehended the JAMS Rules, or you may waive your right to read them and waive any claim that the JAMS Rules are unjust or should not apply for any reason.

    You and Innovative Investor agree that these Terms affect interstate commerce and that the enforceability of this Section 17 will be substantively and procedurally governed by the Federal Arbitration Act, 9 U.S.C. § 1, et seq. (the “FAA”), to the maximum extent permitted by applicable law. As limited by the FAA, these Terms and the JAMS Rules, the arbitrator will have exclusive authority to make all procedural and substantive decisions regarding any dispute and to grant any remedy that would otherwise be available in court, including the power to determine the question of arbitrability. The arbitrator may conduct only an individual arbitration and may not consolidate more than one individual’s claims, preside over any type of class or representative proceeding or preside over any proceeding involving more than one individual.

    The arbitrator, Innovative Investor, and you agree to keep all arbitration proceedings, judgments, and awards confidential, including, but not limited to, all information gathered, prepared, and presented for the purposes of the arbitration or in connection with the dispute(s) therein.

    You and Innovative Investor agree that you will pay the filing fee for any arbitration you initiate and Innovative Investor will pay the remaining JAMS fees and costs.

    Any claim arising out of or relating to these Terms or our Services must be filed within one year of the claim arising; otherwise, the claim will be permanently barred, and neither you nor Innovative Investor will be able to assert it.

    Within 30 days of the date you first accepted the terms of this Section17, you may opt out of binding arbitration by emailing us at team@innovativeinvestor.io.

    If any portion of this Section 17 is determined to be unenforceable or unlawful for any reason, (a) the unenforceable or unlawful provision shall be severed from these Terms; and (b) the severance of the unenforceable or unlawful provision shall have no effect on the remainder of this Section 17 or the parties' ability to compel arbitration of any dispute. Additionally, if any provision of this Section 17 is found to preclude an individual from seeking public injunctive relief, that provision will be ineffective to the extent that such relief is permitted to be sought outside of arbitration, and the remainder of this Section 17 will remain enforceable.

    Governing Law and Venue

    Any dispute arising out of or in connection with these Terms or your use of the Services will be governed by and construed and enforced in accordance with British Columbia law, except to the extent preempted by Canada federal law, and without regard for conflict of law rules or principles (whether of British Columbia or any other jurisdiction) that would result in the application of the.

    Modifying and Terminating our Services

    We reserve the right to modify our Services at any time, as well as to suspend or discontinue providing all or portions of our Services. Additionally, you have the right to terminate your use of our Services at any time. We are not liable for any loss or damage resulting from your inability to access or use our Services.

    Severability

    If any provision of these Terms, or portion thereof, is found to be unlawful, void, or unenforceable, that provision or portion thereof is deemed severable from these Terms and has no effect on the validity and enforceability of the remaining provisions.