Terms of Service

Last updated: This is a general draft template and should be reviewed and adapted to reflect your specific business practices, jurisdiction, and applicable regulations before publication. It does not constitute legal advice.

1. Acceptance of Terms

By accessing or using the Kiwi Investors website, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree with any part of these Terms, you should not use our Services.

2. Informational Purpose Only

All content published on this website, including analysis, commentary, and any predictive or AI-generated materials, is provided for general informational purposes only. Nothing on this website constitutes financial, investment, legal, or tax advice, and it should not be relied upon as such. Any decisions made based on information found on this website are made at your own discretion and risk.

3. No Guarantee of Outcomes

Kiwi Investors makes no representations or warranties regarding the accuracy, completeness, or reliability of any content, forecasts, or analysis presented on this website. Past performance, modelled scenarios, or historical data referenced on this site are not indicative of future results. Investing involves risk, including the possible loss of principal, and no outcome is guaranteed.

4. Eligibility and Use of Services

You must be at least 18 years of age, or the age of legal majority in your jurisdiction, to use our Services. By using this website, you represent that you have the legal capacity to enter into these Terms. You agree to use the Services only for lawful purposes and in a manner that does not infringe upon the rights of, or restrict or inhibit the use and enjoyment of the Services by, any third party.

5. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Kiwi Investors or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without prior written consent from Kiwi Investors.

6. Third-Party Links and Content

Our website may contain links to third-party websites or services that are not owned or controlled by Kiwi Investors. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. Your use of such third-party sites is at your own risk.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Kiwi Investors, its officers, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or related to your access to or use of, or inability to access or use, the Services or any content contained therein.

8. Disclaimer of Warranties

The Services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. Kiwi Investors does not warrant that the Services will be uninterrupted, secure, or error-free.

9. Indemnification

You agree to indemnify and hold harmless Kiwi Investors and its affiliates, officers, and employees from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of or related to your use of the Services or your violation of these Terms.

10. Modifications to the Services and Terms

Kiwi Investors reserves the right to modify, suspend, or discontinue any part of the Services at any time without notice. We may also revise these Terms from time to time. Continued use of the Services following any changes constitutes acceptance of the revised Terms. We encourage you to review this page periodically.

11. Termination

We reserve the right to suspend or terminate your access to the Services at our sole discretion, without notice, for conduct that we believe violates these Terms or is otherwise harmful to other users, third parties, or Kiwi Investors.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Kiwi Investors operates, without regard to conflict of law principles. Any disputes arising under these Terms should be addressed through the appropriate legal channels applicable to that jurisdiction. This section should be updated to reflect your specific jurisdiction and reviewed by qualified legal counsel.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

14. Contact

If you have questions regarding these Terms, please reach out via the contact details provided on our Contact page.