Terms & Conditions

1. Acceptance of Terms

These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Asset Navigation Hub ("Company," "we," "us," or "our"), a financial services company registered in Switzerland (Registration No: 32076006), with our principal office located at 751 Gulgowski Ground, Oswaldoland, QLD 2675, Switzerland.

By accessing, browsing, or using our website at https://assetnavigationhub.online/ (the "Website") or any related services, you acknowledge that you have read, understood, and agree to comply with these Terms, as well as our Privacy Policy and any other policies referenced herein.

If you are using our services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

2. Description of Services

Asset Navigation Hub provides information, insights, and guidance related to asset navigation, investment strategies, risk management, and portfolio management (collectively, the "Services"). Our Services include but are not limited to:

• Educational content and insights through blog articles, white papers, and research materials
• General information about asset classes, investment strategies, and market analysis
• Consultation services for navigating complex asset landscapes
• Portfolio strategy guidance and risk assessment frameworks
• Newsletter subscriptions and email communications

We reserve the right to modify, suspend, or discontinue any aspect of our Services at any time without prior notice.

3. Not Financial Advice Disclaimer

You should not construe any information on this Website as a recommendation to buy, sell, or hold any security, financial product, or investment strategy. All investment decisions carry risk, including the potential loss of principal invested. Past performance does not guarantee future results.

Before making any financial or investment decisions, you should:

• Conduct your own research and due diligence
• Consult with qualified financial, legal, and tax professionals
• Consider your own financial circumstances, objectives, and risk tolerance
• Review all relevant offering documents and disclosures

We do not guarantee the accuracy, completeness, or timeliness of any information provided. Market conditions change rapidly, and information may become outdated without notice.

4. User Eligibility and Account Responsibilities

4.1 Age Requirements

You must be at least 18 years of age to use our Website and Services. By using our Services, you represent and warrant that you are of legal age to form a binding contract.

4.2 Account Information

If you create an account or provide information through our contact forms, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your information to keep it accurate and complete
• Maintain the security and confidentiality of your account credentials
• Notify us immediately of any unauthorized access or security breach
• Accept responsibility for all activities that occur under your account

4.3 Prohibited Users

You may not use our Services if:

• You are located in a jurisdiction where our Services are prohibited by law
• You have been previously banned from using our Services
• Your use would violate any applicable laws or regulations

5. Acceptable Use Policy

You agree to use our Website and Services only for lawful purposes and in accordance with these Terms. You agree NOT to:

• Violate any applicable local, national, or international laws or regulations
• Infringe upon or violate our intellectual property rights or the rights of others
• Transmit any material that is defamatory, obscene, offensive, or otherwise objectionable
• Engage in any conduct that restricts or inhibits anyone's use of the Website
• Use any automated system (including robots, spiders, or scrapers) to access the Website
• Attempt to gain unauthorized access to our systems, networks, or data
• Interfere with or disrupt the integrity or performance of the Website
• Introduce viruses, malware, or other malicious code
• Impersonate any person or entity or misrepresent your affiliation
• Collect or harvest personal information about other users
• Use the Services for any fraudulent or unlawful purpose

Violation of this Acceptable Use Policy may result in immediate termination of your access to our Services and potential legal action.

6. Intellectual Property Rights

6.1 Our Content

All content on this Website, including but not limited to text, graphics, logos, images, videos, software, data compilations, and white papers (collectively, "Content"), is the property of Asset Navigation Hub or its content suppliers and is protected by international copyright, trademark, and other intellectual property laws.

The compilation, organization, and display of content on this Website is also our exclusive property.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website and Content for personal, non-commercial purposes, subject to these Terms. This license does not include:

• Any commercial use of the Website or Content
• Modification, copying, or distribution of Content without our express written consent
• Use of data mining, robots, or similar data gathering tools
• Any use that competes with or displaces the market for our Services

6.3 Trademarks

"Asset Navigation Hub" and associated logos are trademarks of our Company. You may not use our trademarks without our prior written permission.

6.4 User Submissions

By submitting any content, feedback, suggestions, or materials to us through the Website, you grant us a worldwide, perpetual, irrevocable, royalty-free license to use, reproduce, modify, publish, and distribute such submissions in any media for any purpose.

7. Third-Party Links and Resources

Our Website may contain links to third-party websites, services, or resources that are not owned or controlled by Asset Navigation Hub. We provide these links for your convenience only.

We do not endorse, review, or assume responsibility for:

• The content, accuracy, or opinions expressed on third-party websites
• The privacy practices or policies of third-party services
• The products or services offered by third parties
• Any damages or losses arising from your use of third-party resources

Your use of third-party websites and resources is at your own risk and subject to the terms and conditions of those third parties.

8. Disclaimers and Warranties

To the fullest extent permitted by law, Asset Navigation Hub disclaims all warranties, express or implied, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties regarding the accuracy, reliability, or completeness of content
• Warranties that the Website will be uninterrupted, secure, or error-free
• Warranties regarding results obtained from using the Services
• Warranties that defects will be corrected

No advice or information, whether oral or written, obtained from us or through the Website shall create any warranty not expressly stated in these Terms.

Investment Risk Disclaimer: Investing involves substantial risk. You may lose some or all of the capital you invest. Past performance is not indicative of future results. We make no representations or warranties regarding investment outcomes.

9. Limitation of Liability

This limitation applies regardless of the legal theory on which the claim is based, including contract, tort, negligence, strict liability, or otherwise, even if we have been advised of the possibility of such damages.

In jurisdictions that do not allow the exclusion or limitation of liability for consequential or incidental damages, our liability shall be limited to the maximum extent permitted by law.

In no event shall our total liability to you for all damages, losses, and causes of action exceed the amount you paid to us, if any, for accessing our Services in the twelve (12) months preceding the claim, or one hundred dollars ($100), whichever is greater.

10. Indemnification

You agree to indemnify, defend, and hold harmless Asset Navigation Hub, its officers, directors, employees, agents, affiliates, and partners from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of or inability to use the Website or Services
• Your violation of these Terms
• Your violation of any rights of another party
• Your violation of any applicable laws or regulations
• Any content or information you submit through the Website
• Any investment decisions made based on information from our Website

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense of such claim.

11. Privacy and Data Protection

Your use of our Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

By using our Services, you consent to the collection, use, and disclosure of your information as described in our Privacy Policy.

12. Modifications to Terms

We reserve the right to modify, amend, or update these Terms at any time at our sole discretion. Changes will be effective immediately upon posting to the Website, with the "Effective Date" updated accordingly.

Material changes will be communicated through:

• A prominent notice on our Website
• Email notification to registered users
• Other appropriate channels

Your continued use of the Website and Services after any changes constitutes your acceptance of the revised Terms. If you do not agree with the changes, you must discontinue use of our Services.

We encourage you to review these Terms periodically to stay informed of any updates.

13. Termination

13.1 Termination by You

You may stop using our Services at any time. If you wish to terminate your account or subscription, please contact us using the information provided below.

13.2 Termination by Us

We reserve the right to suspend or terminate your access to our Website and Services at any time, with or without cause, with or without notice, and without liability, including if:

• You violate these Terms or any applicable law
• Your use poses a security or legal risk to us or others
• We discontinue providing Services
• We determine, in our sole discretion, that termination is appropriate

13.3 Effect of Termination

Upon termination:

• Your right to access and use the Services immediately ceases
• We may delete your account and content without liability
• Provisions of these Terms that by their nature should survive termination shall survive, including intellectual property rights, disclaimers, limitations of liability, and dispute resolution provisions

14. Governing Law and Dispute Resolution

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of Switzerland, without regard to its conflict of law provisions.

14.2 Jurisdiction

You agree that any legal action or proceeding arising out of or relating to these Terms or your use of the Services shall be brought exclusively in the courts located in Switzerland. You consent to the personal jurisdiction and venue of such courts.

14.3 Dispute Resolution

In the event of any dispute, claim, or controversy arising out of or relating to these Terms, the parties agree to first attempt to resolve the matter through good faith negotiations.

If the dispute cannot be resolved through negotiation within thirty (30) days, either party may pursue other legal remedies.

14.4 Class Action Waiver

To the extent permitted by law, you agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

15. General Provisions

15.1 Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Asset Navigation Hub regarding your use of the Website and Services, superseding any prior agreements.

15.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

15.3 Waiver

Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.

15.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.

15.5 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, pandemics, or government actions.

15.6 No Agency

Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and Asset Navigation Hub.

15.7 Headings

Section headings are for convenience only and shall not affect the interpretation of these Terms.

17. Acknowledgment

BY USING OUR WEBSITE AND SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS & CONDITIONS.