Terms of Use

Last updated: October 22, 2025

These Terms of Use govern your access to and use of the services, platform, and content provided by Capvesty through capvesty.io. By accessing or using our platform, you confirm that you have read, understood, and agree to be bound by these terms. If you do not agree, you must discontinue use immediately.

1. Acceptance of Terms

Your continued use of the platform constitutes your binding acceptance of these Terms of Use and any future amendments. These terms apply to all visitors, registered users, and any other persons who access or use the platform in any capacity.

2. Eligibility

You must be at least 18 years of age to use this platform. By using the platform, you represent and warrant that you meet this requirement and that you have the legal capacity to enter into a binding agreement. If you are accessing the platform on behalf of an organization, you represent that you are authorized to bind that organization to these terms.

3. User Accounts

3.1 Account Registration

Certain features of the platform require you to create an account. You agree to provide accurate, current, and complete information during registration and to keep your account information updated at all times.

3.2 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials. You agree to notify us immediately at info@capvesty.io if you suspect any unauthorized access to or use of your account. We are not liable for any loss or damage arising from your failure to protect your credentials.

3.3 Account Termination

We reserve the right to suspend or terminate your account at any time, with or without notice, if we determine that you have violated these terms or engaged in conduct that is harmful to other users, third parties, or the platform.

4. Permitted Use

You agree to use the platform solely for lawful purposes and in accordance with these terms. You must not:

• Use the platform in any way that violates applicable laws or regulations
• Transmit any unsolicited or unauthorized advertising or promotional material
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Engage in any conduct that restricts or inhibits any other user's use or enjoyment of the platform
• Attempt to gain unauthorized access to any part of the platform or its related systems
• Introduce any malicious code, viruses, or other harmful material
• Scrape, crawl, or otherwise extract data from the platform without prior written authorization
• Use the platform to collect or harvest personal information about other users without their consent

5. Intellectual Property

5.1 Platform Content

All content available on the platform, including but not limited to text, graphics, logos, images, audio, video, course materials, and software, is the property of Capvesty or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any content without our express written permission.

5.2 User-Submitted Content

By submitting, posting, or sharing any content on the platform, you grant Capvesty a non-exclusive, royalty-free, worldwide license to use, reproduce, modify, and display that content in connection with the operation and promotion of the platform. You represent that you own or have the necessary rights to grant this license and that your content does not infringe upon the rights of any third party.

5.3 Feedback

Any feedback, suggestions, or ideas you provide regarding the platform may be used by us without any obligation to compensate you or maintain confidentiality.

6. Educational Content and Seminars

The platform provides educational seminars and materials related to emotional investing and related topics. All content is provided for informational and educational purposes only. Nothing on the platform constitutes financial, investment, legal, or professional advice. You should consult a qualified professional before making any financial decisions. Capvesty does not guarantee any specific outcome from participation in seminars or use of educational materials.

7. Payments and Refunds

7.1 Fees

Access to certain seminars or features may require payment of fees as displayed on the platform at the time of purchase. All fees are stated in the applicable currency and are inclusive of any taxes unless otherwise indicated.

7.2 Refund Policy

Refund eligibility is determined on a case-by-case basis in accordance with the specific terms presented at the time of purchase. Unless stated otherwise, fees paid for completed or accessed sessions are non-refundable. To request a refund, contact us at info@capvesty.io .

7.3 Payment Processing

Payments are processed through third-party payment providers. We do not store your full payment card details. By submitting a payment, you agree to the terms of the applicable payment processor.

8. Third-Party Links and Services

The platform may contain links to third-party websites or services that are not owned or controlled by Capvesty. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. We encourage you to review the terms and privacy policies of any third-party services you access through our platform.

9. Privacy

Your use of the platform is also governed by our Privacy Policy, which is incorporated into these Terms of Use by reference. By using the platform, you consent to the collection and use of your information as described in the Privacy Policy.

10. Disclaimers

The platform and all content 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. We do not warrant that the platform will be uninterrupted, error-free, secure, or free of viruses or other harmful components. Your use of the platform is at your sole risk.

11. Limitation of Liability

To the fullest extent permitted by applicable law, Capvesty, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or other intangible losses, arising out of or in connection with your use of or inability to use the platform, even if we have been advised of the possibility of such damages. Our total aggregate liability for any claim arising from your use of the platform shall not exceed the total amount paid by you to us in the twelve months preceding the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless Capvesty and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your access to or use of the platform, your violation of these terms, or your infringement of any third-party rights.

13. Modifications to the Platform and Terms

We reserve the right to modify, suspend, or discontinue the platform or any part of it at any time without notice or liability. We may also revise these Terms of Use at any time by posting an updated version on the platform. The updated terms will take effect immediately upon posting. Your continued use of the platform after any changes constitutes your acceptance of the revised terms. We encourage you to review these terms periodically.

14. Governing Terms and Dispute Resolution

These Terms of Use are governed by general principles of contract law applicable to online services. In the event of any dispute arising from or relating to these terms or your use of the platform, you agree to first attempt to resolve the matter informally by contacting us at info@capvesty.io . If the dispute cannot be resolved informally within thirty days, either party may pursue resolution through binding arbitration or other lawful means as appropriate.

15. Severability

If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.

16. Entire Agreement

These Terms of Use, together with the Privacy Policy and any additional terms applicable to specific services or features, constitute the entire agreement between you and Capvesty with respect to your use of the platform and supersede all prior agreements, representations, and understandings.

17. Contact Information

If you have any questions, concerns, or requests regarding these Terms of Use, please contact us: