Terms and Conditions

The following describes the terms and conditions (the "Terms and Conditions") upon which ELP Finance LTD (the "Company", “ELP” or "We") offers access to the websites www.investingmoney.biz and/or www.investire.biz alongside its related country specific sites (the "Site") to you the “Customer” or the “User”, irrespective of whether or not you are an Account (as defined below) holder ("You") and the use of its services provided via the Site (the "Services").

• ELP Finance LTD and its website doesn’t offer any financial or regulated or investment services;

• The information on the website shouldn’t be considered personalized investment advice and are published on the website and accessible to the general public;

• All the links and banners on the company’s websites are referred to financial companies, investment services providers or banks regulated in Europe.

1. Use

The Company service, and any content viewed through our website, are solely for your personal and non-commercial use. With your registration We grant you a limited, non-exclusive, non-transferable, license to access the Company content and view your course(s) through the service on a streaming-only basis for that purpose. Except for the foregoing limited license, no right, title or interest shall be transferred to you. You agree not to use the service for public performances. If you are under 18 years of age, you are not authorized to use the Service, with or without registering. You may be required to register a personal profile with Company in order to access and use certain features of the Service.

2. Contents Access

As User, when you enroll in a course or other content, whether it’s free or paid content, you are getting a license from the Company to view the content via the Investingmoney.biz platform and Services. Content is licensed, and not sold, to you. This license does not give you any right to resell the content in any manner (including by sharing account information with a purchaser or illegally downloading the content and sharing it on torrent sites). In legal, more complete terms, Investingmoney.biz grants you (as a user) a limited, non-exclusive, non-transferable license to access and view the content for which you have paid all required fees, solely for your personal, non-commercial, educational purposes through the Services, in accordance with these Terms and any conditions or restrictions associated with the particular content or feature of our Services. All other uses are expressly prohibited. You may not reproduce, redistribute, transmit, assign, sell, broadcast, rent, share, lend, modify, adapt, edit, create derivative works of, sublicense, or otherwise transfer or use any content unless we give you explicit permission to do so in a written agreement signed by a Investingmoney.biz authorized representative. We generally give a lifetime access license to our users when they buy a course or other content. However, we reserve the right to revoke any license to access and use any content at any point in time in the event where we decide or are obligated to disable access to the content due to legal or policy reasons, for example, if the course or other content you enrolled in is the object of a copyright complaint, or if we determine it violates this terms and conditions. This lifetime access license does not apply to enrollments via Subscription Plans or to add-on features and services associated with the course or other content you enroll in.

3. Your Account

As part of the process necessary to set up an account on the Site (an "Account") and obtain access to certain Services, you will be required to either provide your full name, email address, password, and phone number (the "Registration Credentials") or register via one of the Third Party Accounts (the "Third Party Account"). You must ensure that your Registration Credentials are accurate, truthful and updated. We reserve the right to block the creation of your Account based on our inability to confirm the authenticity of your Registration Credentials. As an alternative to registering directly with the Site by providing your Registration Credentials, we give you the option to register and login to your Account via one of your account(s) with social media sites such as Facebook, Twitter or Google. Please see our Privacy Policy for more information about logging in to your Account via a Third Party Account. Unless you log into your Account via a Third Party Account, please note that your email address and password which you provide as part of the Registration Credentials will be used to login in to your Account. You will be solely responsible for maintaining the confidentiality of your email address and password and must immediately notify us of any unauthorized use of your Account. You are solely responsible for all activity and usage on your Account, including, but not limited to, use of the Account by any third party authorized by you to use your email address and password. We permit you to maintain only one Account to access the Services at any time and you hereby represent that you currently have no other Account(s). You agree that by registering, accessing, or using our Services, you are agreeing to enter into a legally binding contract with Investingmoney.biz. If you do not agree to these Terms, do not register, access, or otherwise use any of our Services. If we discover that you have created an account that violates these rules, we will terminate your account. You may be requested to verify your identity before you are authorized to submit content for publication on Investingmoney.biz. You can terminate your account at any time logging in your account and using the delete account button. Your personal data will be deleted according our Privacy Policy. You may not assign or transfer these Terms (or the rights and licenses granted under them). For example, if you registered an account as an employee of a company, your account cannot be transferred to another employee. We may assign these Terms (or the rights and licenses granted under them) to another company or person without restriction. Nothing in these Terms confers any right, benefit, or remedy on any third-party person or entity. You agree that your account is non-transferable and that all rights to your account and other rights under these Terms terminate upon your death.

4. Limited License

LP grants you a non-exclusive, non-transferable and limited personal license to access and use the Site (the "License"). This License is conditional on your full and continuing compliance with these Terms and Conditions. You agree not to resell or permit access to the Site to others, and not to copy any materials appearing on the Site for resale or for any other purpose to others without the prior written consent of ELP Finance LTD. You shall be responsible and bound by any unauthorized use of the Site, made in breach of this section. You agree not to use any electronic communication feature of Services on the Site for any purpose that is unlawful, abusive, and intrusive on another's privacy, harassing, libelous, defamatory, embarrassing, obscene, threatening or hateful. The License granted under these Terms and Conditions will terminate if ELP believes that any information provided by you, including (but not limited to) your Registration Credentials, is no longer current or accurate, or if you fail to otherwise comply with any term or condition of these Terms and Conditions and all rules and guidelines for each of the Services. Upon such violation, you agree to cease accessing Services. You agree that the Company, at its sole discretion and with or without notice, may terminate your access to any or all Services, and remove and discard any information or content within the Services. Unless otherwise expressly authorized herein or in the Service, you agree not to display, distribute, license, perform, publish, reproduce, duplicate, copy, create derivative works from, modify, sell, resell, exploit, transfer or upload for any commercial purposes, any portion of the Service, use of the Service, or access to the Service.

5. Your Posts and your Articles on the Company’s website

As part of Your Account, you have an opportunity to publish, transmit, submit or otherwise post (collectively "Post") reviews, comments or other materials (collectively, "User Material"). Please choose carefully the User Material you Post you must not Post User Material that: (a) contains Unsuitable Material; or (b) improperly claims the identity of another person. You must be, or have first obtained permission from, the rightful owner of any User Material you Post. By submitting User Material, you represent and warrant that you own the User Material or otherwise have the right to grant Company the license provided below; you also represent and warrant that the Posting of your User Material does not violate any right of any party, including privacy rights, publicity rights, and intellectual property rights. In addition, you agree to pay for all royalties, fees, and other payments owed to any party by reason of your Posting User Material. Company will remove all User Material if properly notified that such User Material infringes on another person’s rights. You understand that Company does not guarantee any confidentiality with respect to any User Material. Company does not claim any ownership rights in User Material you Post. After Posting your User Material, you continue to retain all ownership rights. By Posting your User Material, you grant Company a limited license to use, display, reproduce, distribute, translate, modify, delete from, add to, prepare derivative works of, publicly perform, and publish such User Material through the Company Services worldwide, in perpetuity, in any media formats and any media channels now known or hereinafter created. The license you grant to Company is non-exclusive (meaning you are free to license your User Material to anyone else in addition to Company), fully-paid and royalty-free (meaning that Company is not required to pay you for the use of your User Material), and sublicensable (so that Company is able to use its affiliates, subcontractors and other partners such as internet content delivery networks to provide the Company Services). By Posting your User Material, you also hereby grant each user of the Company Services a non-exclusive limited license to access your User Material through the Sites, and to use, display, reproduce, distribute, and perform such User Material as permitted through the functionality of the Company Services and under these Terms of Use.

>Despite these restrictions, please be aware that some material provided by users may be objectionable, unlawful, inaccurate or inappropriate. Company does not endorse any User Material, and User Material that is Posted does not reflect the opinions or policies of Company. We reserve the right, but have no obligation, to monitor User Material and to restrict or remove User Material that we determine, in our sole discretion, is inappropriate. In no event does Company assume any responsibility or liability whatsoever for any User Material, and you agree to waive any legal or equitable rights or remedies you may have against Company with respect to such User Material. You can help us by notifying us of any inappropriate User Material you find. If a “report” feature through the Company Services is not available for a specific instance of inappropriate User Material, please email info@investire.biz (subject line: "Inappropriate User Material").

6. Content and Behavior Rules

You may not access or use the Services or create an account for unlawful purposes. Your use of the Services and behavior on our platform must comply with applicable local or national laws or regulations of your country. You are solely responsible for the knowledge of and compliance with such laws and regulations that are applicable to you. If we are put on notice that your course or content violates the law or the rights of others (for example, if it is established that it violates intellectual property or image rights of others, or is about an illegal activity), if we discover that your content or behavior violates this terms and conditions, or if we believe your content or behavior is unlawful, inappropriate, or objectionable (for example if you impersonate someone else), we may remove your content from our platform.

7. Intellectual Property Rights

You acknowledge and agree that the Service may contain content or features ("Service Content") that are protected by copyright, patent, trademark, trade secret or other proprietary rights and laws. Except as expressly authorized by Company, you agree not to modify, copy, frame, scrape, rent, lease, loan, sell, distribute or create derivative works based on the Service or the Service Content, in whole or in part, except that the foregoing does not apply to your own User Content (as defined below) that you legally upload to the Service. In connection with your use of the Service you will not engage in or use any data mining, robots, scraping or similar data gathering or extraction methods. If you are blocked by Company from accessing the Service (including by blocking your IP address), you agree not to implement any measures to circumvent such blocking (e.g., by masking your IP address or using a proxy IP address). Any use of the Service or the Service Content other than as specifically authorized herein is strictly prohibited. The technology and software underlying the Service or distributed in connection therewith are the property of Company, our affiliates and our partners (the “Software”). You agree not to copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, or otherwise transfer any right in the Software. Any rights not expressly granted herein are reserved by Company. The Company name and logos are trademarks and service marks of Company (collectively the “Company Trademarks”). Other Company, product, and service names and logos used and displayed via the Service may be trademarks or service marks of their respective owners who may or may not endorse or be affiliated with or connected to Company. Nothing in this Terms of Service or the Service should be construed as granting, by implication or otherwise, any license or right to use any of Company Trademarks displayed on the Service, without our prior written permission in each instance. All goodwill generated from the use of Company Trademarks will inure to our exclusive benefit.

8. Services

Our basic Services are free, but we offer paid services like course, paid online events (webinars) and research (the "Services"). ELP does not provide investment services, Investment Advice or any other regulated or investment service. You agree not to hold ELP Finance LTD liable for any loss or damage of any sort incurred as a result of any such dealings. You agree that all information you provide in connection with such purchase will be accurate, complete and current. You agree to pay all charges incurred by use of your credit card, debit card, or other payment mechanism at the prices in effect when such charges are incurred. You also will pay any applicable taxes relating to any purchases you make.

9. Prices

The prices of content on Investingmoney.biz are determined based on this terms and conditions and are shown on the website. We occasionally run promotions and sales for our content, during which certain content is available at discounted prices for a set period of time, also through coupons (discount codes). The price applicable to the content will be the price at the time you complete your purchase of the content (at checkout). Any price offered for particular content may also be different when you are logged into your account from the price available to users who aren’t registered or logged in, because some of our promotions are available only to new users. If you are a user located in a country where use and sales tax, goods and services tax, or value added tax is applicable to consumer sales, we are responsible for collecting and remitting that tax to the proper tax authorities. Depending on your location, the price you see may include such taxes, or tax may be added at checkout.

10. Payments

In order for You to make a purchase on the Company’s website, we may direct you to our trusted payment service providers' websites. You may be required to share with payment service providers Your personal information (such as your name, address, identity number), financial information (e.g. your credit card number, bank account, etc.) and any other information which is required by the payment service providers in order to complete the purchase. We may change the rates of our Services from time to time and in our sole discretion. The entity in charge for processing the payments to the company is https://stripe.com/. We also accept SEPA bank wire transfers. Please contact info@investire.biz if you wish to buy or subscribe our services paying via SEPA transfer. An electronic receipt or invoice is available for every purchase made on the website.

11. Subscription Plans and renewals

During your subscription you get a limited, non-exclusive, non-transferable license from us to access and view the contents or receive the service. For some services we offer you monthly, quarterly or annual subscriptions. The subscription that you purchase or renew determines the scope, features, and price of your access. You may not transfer, assign, or share your subscription with anyone else. We reserve the right to revoke any license to use the content in our Subscription Plans for legal or policy reasons at any time and at our sole discretion, such as if we no longer have the right to offer the content through a Subscription Plan. You have the right to unsubscribe and delete a recurring payment or subscription at any time and without any notice period, at the end of every billing period, through your user area or contacting us via email at info@investire.biz or phone at +356 20 341590.

12. Subscription Disclaimers

We make no guarantees as to the availability of any specific content in any Subscription Plan or recurring service or as to any minimum amount of content in any Subscription Plan. At any point in the future, we reserve the right to offer or cease to offer additional features to any Subscription Plan, or to otherwise modify or terminate a Subscription Plan at our sole discretion.

13. Free Trials & Renewals

Your subscription may start with a free trial. The duration of the free trial period of your subscription will be specified during sign-up. Investingmoney.biz determines free trial eligibility at our sole discretion and may limit eligibility or duration. We reserve the right to terminate the free trial and suspend your subscription if we determine that you aren’t eligible. We will charge the subscription fee for your next billing cycle at the end of the free trial period. Your subscription will automatically renew according to your subscription settings (e.g., monthly, quarterly or annually) unless you cancel your subscription prior to the end of the free trial period. To subscribe to a Subscription Plan, you must provide a payment method. By subscribing to a Subscription Plan and providing your billing information during checkout, you grant us and our payment service providers the right to process payment for the applicable fees via the payment method we have on record for you. At the end of each subscription term, we will automatically renew your subscription for the same length of term and process your payment method for payment of the then-applicable fees. In the event that we update your payment method using information provided by our payment service providers, you authorize us to continue to charge the then-applicable fees to your updated payment method. If we are unable to process payment through the payment method we have on file for you, or if you file a chargeback disputing charges made to your payment method and the chargeback is granted, we may suspend or terminate your subscription. We reserve the right to change our Subscription Plans or adjust pricing for our Services at our sole discretion. Any price changes or changes to your subscription will take effect following notice to you, except as otherwise required by applicable law.

14. Refunds

If you believe that you have been charged in error, you should contact us within 30 days of such charge. No refunds will be given for any charges more than 30 days old. We reserve the right to refuse a refund request if we reasonably believe (i) that you are trying to unfairly exploit this refund policy, for example, by making repetitive refund requests in respect of the same feature; (ii) if you are in breach of the Terms; or (iii) if we reasonably suspect that you are using our Services fraudulently. The liability of ELP Finance LTD, its officers, directors or employees, to you or any third parties in any circumstance is limited to the amount of money you transferred to ELP Finance LTD in relation to the transaction giving rise to such liability.

If the content you purchased is not what you were expecting, you can request, within 30 days of your purchase of the content, that Investingmoney.biz apply a refund to your account. We reserve the right to apply your refund as a refund credit or a refund to your original payment method, at our discretion, depending on capabilities of our payment service providers, and other factors. No refund is due to you if you request it after the 30-day guarantee time limit has passed. However, if the content you previously purchased is disabled for legal or policy reasons, you are entitled to a refund beyond this 30-day limit. Investingmoney.biz also reserves the right to refund users beyond the 30-day limit in cases of suspected or confirmed account fraud. To request a refund, please contact us at https://www.investingmoney.biz/contacts At our discretion, if we believe you are abusing our refund policy, such as if you’ve consumed a significant portion of the content that you want to refund or if you’ve previously refunded the content, we reserve the right to deny your refund, restrict you from other future refunds, ban your account, and/or restrict all future use of the Services.

15. Market Information

ELP Finance LTD may make available to you through one or more of its Services a broad range of financial information that is generated internally or obtained from agents, vendors or partners ("Third Party Providers"). This includes, but is not limited to, financial market data, quotes, news, analyst opinions, research reports, graphs and data ("Market Information"). Market Information provided on the Site is not intended as investment advice. ELP Finance LTD does not endorse or approve the Market Information, and we make it available to you only as a service for your own convenience. ELP Finance LTD and its Third Party Providers do not guarantee the accuracy, timeliness, completeness or correct sequencing of the Market Information, or warrant any results from your use or reliance on the Market Information. Market Information may quickly become unreliable for various reasons including, for example, changes in market conditions or economic circumstances. Neither ELP Finance LTD nor the Third Party Providers are obligated to update any information or opinions contained in any Market Information, and we may discontinue offering Market Information at any time without notice. You agree that neither ELP Finance LTD nor the Third Party Providers will be liable in any way for the termination, interruption, delay or inaccuracy of any Market Information. You will not "deep-link", redistribute or facilitate the redistribution of Market Information, nor will you provide access to Market Information to anyone who is not authorized by ELP Finance LTD to receive Market Information.

16. Widgets

ELP Finance LTD makes available to you certain trading and investment tools (the "Widgets") which can be integrated within your website via the HTML. ELP Finance LTD does not and cannot guarantee or represent that any of the information and data made available via the Widgets is real-time, accurate, complete, current or appropriate for your needs. Certain information and data made available via the Widgets is obtained from Third Party Providers who are generally understood to be sources of reliable information and data. However, due to a variety of different factors, including mechanical and human error, the timeliness, completeness, accuracy and correct sequencing of such information and data and results obtained from use thereof are not guaranteed by ELP Finance LTD. All information and data made available via the tools is provided on an "as-is" basis for informational purposes only, and is not intended for actual trading purposes or market advice. ELP Finance LTD may integrate advertising and links to third party websites within the Widgets but does not endorse such advertising or the content and services which are provided on third party websites accessible via the Tools. ELP Finance LTD and its employees, officers, directors, affiliates, agents or licensors will not be liable to you or any third party for any financial loss, lost profits, any special, incidental or consequential damage or any other similar damage or any other loss or injury, incurred as a result of delays, informational errors, inaccuracy or incompleteness of the information and data provided in the Widgets or any actions taken in reliance thereon, or for the advertising or content and services which are provided on third party websites accessible via the Widgets.

17. Force Majeure

You agree that ELP Finance LTD will not be liable in any way to you or to any other person in the event of force majeure (including, but not limited to, the act of any government or legal authority) or for the failure of or damage or destruction to your computer systems, data or records or any part thereof, or for delays, losses, errors or omissions resulting from the failure or mismanagement of any telecommunications or computer equipment or software. ELP Finance LTD shall not be liable, and you agree not to hold or seek to hold ELP Finance LTD or any of its agents or service providers liable, for any technical problems, system failures and malfunctions, communication line failures, equipment or software failures or malfunctions, system access issues, system capacity issues, high Internet traffic demand, security breaches and unauthorized access, and other similar computer problems and defects. ELP Finance LTD does not represent, warrant or guarantee that you will be able to access or use the Site at times or locations of your choosing, or that ELP Finance LTD will have adequate capacity for the Site as a whole or in any geographic location. ELP Finance LTD does not represent, warrant or guarantee that the Site will provide uninterrupted and error-free service. ELP Finance LTD does not make any warranties or guarantees with respect to the Site and its content, including but not limited to, warranties for merchantability or fitness for a particular purpose.

18. Trademarks

All rights, titles and interests in and to the contents of the Site and "Investire.biz" and “Investingmoney.biz” trademarks, services marks, trade names, and logos are owned by ELP Finance LTD, or its affiliates, or other licensors and are protected by copyright and trademark laws, and international treaties. You agree not to delete any copyright notices or other indications of protected intellectual property rights from materials that you print or download from the Site. You will not obtain any intellectual property rights or any right or license to use such materials or the Site, other than as expressly set out in these Terms and Conditions. Nothing contained on the Site may be construed as granting, by implication, estoppels, or otherwise, any license or right to use any trademark without the written permission of ELP Finance LTD or any third party that may own the trademarks. Your use of trademarks, or any other content of the Site, except as provided herein, is strictly prohibited.

19. Legal Restrictions

Without limiting the foregoing, you understand that laws regarding financial markets and activities vary throughout the world, and it is your sole obligation to ensure that you fully comply with any law, regulation or directive, applicable to your country of residence with regards to the use of the Site. The ability to access to our Site does not necessarily mean that our Services, and/or your activities via the Site, are legal under the laws, regulations or directives applicable to your country of residence. This Site does not constitute, and may not be used for the purposes of, an offer or solicitation to anyone in any jurisdiction in which such an offer or solicitation is not authorized, or to any person to whom it is unlawful to make such an offer or solicitation. Access to this Site, and the offering of services via this Site, may be restricted in certain jurisdictions, and, accordingly, users accessing this Site are required to inform themselves of, and to observe, such restrictions.

20. Breach

You agree to fully indemnify, defend and hold harmless ELP Finance LTD, its corporate affiliates and their respective officers, directors and employees immediately upon demand from and against all claims, demands, liabilities, damages, losses, costs and expenses, including legal fees and other charges whatsoever, howsoever caused, that may arise as a result of: (i) any breach of these Terms and Conditions by you or (ii) violation by you of any law or the rights of any third party. Without prejudice to any other rights in these Terms and Conditions, if you breach in whole or in part any provision contained herein, ELP Finance LTD or any of its corporate affiliates which provides Services to you reserves the right to take such action as it sees fit, including (but not limited to) terminating any agreement in place with you, terminating or blocking the Services offered to you via the Site and/or taking legal action against you.

21. Contract modification

We reserve the right to amend, remove, or add to these Terms and Conditions at any time. Please check the "Last modified" heading at the bottom of this document to see when the Terms and Conditions were last updated. Any changes to the Terms and Conditions will become effective when we post the revised Terms and Conditions on the Site. Your use of the Site or Services, or your provision of personal information following any changes means that you accept the updated Terms and Conditions. If, at any time, you do not wish to accept the Terms and Conditions, you may not use the Site. Any terms and conditions proposed by you which are in addition to, or which conflict with these Terms and Conditions are expressly rejected by the Company and will have no force or effect.

22. Termination

ELP Finance LTD reserves the right to suspend the operation of this Site or any part or sections of it at any time and no claims may be entertained against the Company in connection thereto. We reserve the right to terminate your Account, in our sole discretion, at any time without notice. You may terminate or modify your Account at any time logging in your personal area https://investire.biz/login.aspx?ReturnUrl=%2fdefault.aspx or sending us your termination request at info@investire.biz.

23. Links to Third Party Sites

This Site contains hyperlinks to web sites operated by persons other than ELP Finance LTD. Such hyperlinks are provided for your reference and convenience only. You agree not to hold ELP Finance LTD responsible for the content or operation of such web sites. A hyperlink from this Site to another website does not imply that ELP Finance LTD endorses the content on that web site or the operator or operations of that site.

24. Governing Law

This Agreement shall be governed by and construed in accordance with the Laws of Malta and the parties hereto shall submit to the exclusive jurisdiction of the courts of Malta.

Last Modified: May 2021