Last Updated: August 14, 2025
These Terms of Service (the “Terms” or this “Agreement”) govern your access to and use of the Investogy.com website, Investogy newsletters and emails, Investogy Premium Content, portfolio and market-data tools, social channels, and any other products or services provided by Clientvalley OÜ (collectively, the “Services”).
“Investogy,” “we,” “our,” or “us” refers to Clientvalley OÜ, Telliskivi 60, Tallinn, Harjumaa, Estonia, 10412.
By accessing or using the Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Services.
“Account” means your registered profile for accessing portions of the Services.
“Content” means any text, images, graphics, software, data, tools, articles, emails, audio, video, or other materials made available via the Services.
“User Content” means any content you submit, upload, post, or otherwise make available through the Services.
“Website” means investogy.com and any subdomains we operate.
“You” / “your” means any visitor, subscriber, or user of the Services.
We may modify these Terms at any time. Changes will be effective when posted to the Website with the “Last Updated” date above. Your continued use of the Services after changes become effective constitutes acceptance of the revised Terms.
You must be at least 18 years old (or the age of majority in your jurisdiction, if higher) to use the Services. By using the Services, you represent and warrant that you meet this requirement and have the legal capacity to enter into this Agreement.
Some features require registration. You agree to:
provide accurate, current, and complete information; 2) maintain and promptly update such information; and 3) keep your credentials confidential. You are responsible for all activities that occur under your Account. We may suspend or terminate your Account if we believe information is inaccurate, you violate these Terms, or we suspect misuse.
Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Services for your personal, non-commercial use (or, if you are a business subscriber, for your internal business use).
You agree not to:
use the Services for unlawful purposes;
copy, scrape, harvest, mirror, frame, or redistribute Content without our prior written consent;
bypass or interfere with any security or access controls;
use automated means (including bots or crawlers) to access the Services except as expressly permitted via a documented API license;
misrepresent your identity, affiliations, holdings, or the source of any recommendation or testimonial;
upload malware, perform denial-of-service attacks, or otherwise disrupt the Services.
We may monitor use for compliance and enforce these Terms.
The Services and all Content (excluding User Content) are owned by Investogy or our licensors and are protected by copyright, trademark, and other laws. Except for the limited license above, no rights are granted to you. “Investogy” and related marks are trade names or trademarks of Clientvalley OÜ. You may not use our marks without prior written permission.
Quotes, fundamentals, corporate actions, calendars, and other market data may be provided by third-party vendors and may be delayed, incomplete, or inaccurate. Data and tools are provided “as is” for informational purposes only and are not intended for trading or order routing. We do not guarantee accuracy, timeliness, or completeness and have no obligation to update any Content. Backups and availability are not guaranteed; the Services may be unavailable from time to time.
Editorial independence. Our commentary is our own. We strive for objectivity, but opinions are inherently subjective and may change without notice.
Holdings and trading. Our team may hold positions (long or short) in securities we mention and may transact without notice. We will disclose material conflicts where required by law.
Affiliates and compensation. We may receive compensation, including affiliate commissions or advertising fees, when you click links or sign up for third-party products or services we reference. Any material connection will be disclosed where required. Editorial content is produced independently of such compensation.
All Content is for educational and informational purposes only. We are not a registered investment adviser or broker-dealer and do not provide personalized recommendations or fiduciary advice. Nothing in the Services is an offer, solicitation, or recommendation to buy or sell any security or to adopt any investment strategy. Any references to specific securities are impersonal and intended for general readership. Always do your own research and consider consulting a qualified professional.
Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Any hypothetical, simulated, or backtested results have inherent limitations, may use hindsight, and do not reflect actual trading or market conditions. Assumptions may materially impact outcomes. You should not rely on any single metric when making investment decisions.
If you submit User Content (including comments, messages, survey responses, or testimonials), you grant us a worldwide, royalty-free, perpetual, irrevocable, sublicensable license to use, reproduce, modify, publish, and display such content in connection with the Services and our business. You represent that you own or have the necessary rights to your User Content and that it does not infringe others’ rights or violate law. We may moderate or remove User Content at our discretion.
If you provide feedback or suggestions, we may use them without restriction or compensation.
Testimonials reflect individual experiences and may not be representative of all users’ results.
Paid subscriptions automatically renew at the end of each term unless you cancel. By subscribing, you authorize us (or our payment processor) to charge the applicable fees and taxes to your payment method on a recurring basis until you cancel.
Prices are stated in the checkout flow and may change upon renewal. If required, VAT or other taxes will be added. We may offer promotions or discounts from time to time.
If you sign up for a free trial, you will be charged at the end of the trial unless you cancel before it ends. We reserve the right to determine eligibility for trials and to modify or terminate trials at any time.
You can cancel at any time via the account portal or by contacting support. Cancellation is effective at the end of the current billing period; we generally do not offer pro-rata refunds except where required by law.
If you are an EU/EEA consumer purchasing digital content or services, you may have a 14-day right of withdrawal from the date of purchase. However, if you request immediate access to digital content and acknowledge that you thereby waive the withdrawal right, we may begin supply immediately and the right may no longer apply. We will present the appropriate consent/acknowledgment during checkout where applicable.
If you dispute a charge that is valid under these Terms, we may suspend or terminate access to the Services until the dispute is resolved.
We process personal data as described in our Privacy Policy. Highlights:
Data we collect may include contact information, account credentials (hashed), device and usage data, preferences, and payment details processed by third parties (we do not store full card numbers).
Purposes include providing and improving the Services, communicating with you (including newsletters and service updates), personalizing Content, and compliance.
Cookies and similar technologies help remember preferences, measure usage, and support marketing. Non-essential cookies in the EEA/UK are used with your consent. You can manage preferences in your browser or our consent tools.
International transfers. Your data may be processed in the EU and other countries. Where required, we use appropriate safeguards (e.g., Standard Contractual Clauses) to protect transfers.
Your rights. Depending on your location, you may have rights to access, correct, delete, or port your data; object to or restrict certain processing; and withdraw consent. You also have the right to lodge a complaint with your supervisory authority. In Estonia, this is the Estonian Data Protection Inspectorate (Andmekaitse Inspektsioon). To exercise rights, contact [email protected].
The Services may reference or link to third-party websites, products, or services. We are not responsible for third-party content or practices. Your dealings with third parties are solely between you and the third party.
THE SERVICES AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE ACCURATE, COMPLETE, TIMELY, SECURE, ERROR-FREE, OR UNINTERRUPTED.
Nothing in these Terms excludes or limits any warranty or liability that cannot be excluded or limited under applicable law.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL INVESTOGY, ITS AFFILIATES, DIRECTORS, EMPLOYEES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IF YOU ARE A PAID SUBSCRIBER, OUR AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES IN ANY 12-MONTH PERIOD WILL NOT EXCEED THE AMOUNTS YOU PAID TO US FOR THE SERVICES IN THAT PERIOD. THE FOREGOING LIMITATIONS APPLY TO THE FULLEST EXTENT PERMITTED BY LAW.
Nothing in this Section limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be limited under applicable law.
To the extent permitted by law, you agree to indemnify and hold harmless Investogy and its affiliates, directors, and employees from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to: (a) your misuse of the Services or violation of these Terms; (b) your User Content; or (c) your violation of any law or third-party right. If you are a consumer in the EU/EEA, this indemnity applies only to the extent permitted by applicable consumer law.
We publish general financial information of regular circulation. We do not provide personalized recommendations presented as suitable for any individual. Our Services are not tailored to your portfolio or circumstances. We rely on applicable publisher exemptions and comparable principles where available. Do not construe any Content as a personal recommendation.
We may suspend or terminate your access to the Services at any time, with or without notice, if we reasonably believe you have violated these Terms, created risk or possible legal exposure for us or others, or if we discontinue the Services. You may stop using the Services at any time. Sections that by their nature should survive termination (e.g., intellectual property, disclaimers, limitations, indemnity, governing law) will survive.
These Terms are governed by the laws of Estonia, without regard to conflict-of-laws principles. You and we agree to submit to the exclusive jurisdiction of the courts of Estonia (Harju County Court) for any dispute arising out of or relating to these Terms or the Services. If you are a consumer residing in the EU/EEA, you may have the right to bring proceedings in your country of residence and to rely on mandatory consumer protection provisions of that country.
You consent to receive communications from us electronically (e.g., email, in-product messages). We may send you service announcements and administrative messages. You can opt out of marketing emails at any time by using unsubscribe links; you will still receive essential service messages.
Entire Agreement. These Terms constitute the entire agreement between you and us regarding the Services and supersede prior agreements.
Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.
Severability. If any provision is found unenforceable, the remaining provisions will remain in full force and effect.
No Waiver. Our failure to enforce any provision is not a waiver of our right to do so later.
Interpretation. Headings are for convenience only.
Language. These Terms are in English and control to the extent of any translation.
Clientvalley OÜ
Telliskivi 60, Tallinn, Harjumaa, Estonia, 10412
Email: [email protected]