Terms and Conditions

Welcome to Pocket Investor. If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern Pocket Investor's relationship with you in relation to this website.

Acceptance of Terms

By using this Site, you signify your acceptance of these terms and conditions. If you do not agree to these terms, please do not use our Site. Your continued use of the Site following the posting of changes to these terms will be deemed your acceptance of those changes.

Account Responsibilities

You must be at least 18 years of age to create an account and use this website. By registering, you confirm that you are at least 18 years old and have the legal capacity to enter into these terms. You are responsible for maintaining the confidentiality of your account credentials, including your password, and for all activity that occurs under your account. You must not share your password or allow others to access your account. You agree to notify us immediately of any unauthorised use of your account. Pocket Investor shall not be liable for any loss or damage arising from your failure to protect your account credentials.

Prohibited Conduct

When using this website, you agree not to:

Attempt to gain unauthorised access to any part of the website, other user accounts, or any systems or networks connected to the website.
Use any automated means, including bots, scrapers, or spiders, to access, collect, or extract data from the website without our prior written consent.
Impersonate any person or entity, or misrepresent your affiliation with any person or entity.
Interfere with or disrupt the operation of the website, servers, or networks connected to the website.
Upload, transmit, or distribute any viruses, malware, or other harmful code.
Use the website for any unlawful purpose or in violation of any applicable laws or regulations.
Reproduce, duplicate, copy, sell, or exploit any portion of the website for commercial purposes without our express written permission.

Use of the Website

The content of the pages of this website is for your general information and use only. It is subject to change without notice. Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable.

Investment Disclaimer

Pocket Investor is a financial data and information provider. We are not a licensed investment adviser, securities broker, financial adviser, or investment bank. The use of this website does not create an advisory, fiduciary, or professional relationship between you and Pocket Investor. The information provided on this Site is for general informational and educational purposes only and does not constitute investment advice, financial advice, trading advice, tax advice, legal advice, or any other sort of professional advice, and you should not treat any of the website's content as such. Pocket Investor does not recommend that any security should be bought, sold, or held by you. We do not and cannot give any opinion on the merits or suitability of any particular investment for your individual circumstances. You should conduct your own due diligence and consult a qualified, licensed financial advisor before making any investment decisions. You are solely responsible for your own investment decisions and any consequences thereof.

Data Accuracy and Third-Party Sources

Pocket Investor aggregates financial data from third-party sources. We do not independently verify all data provided by these sources and cannot guarantee the accuracy, completeness, timeliness, or correct sequencing of any information displayed on this website. Stock prices, financial statements, earnings data, historical data, and other market information may contain errors, omissions, or delays. Data may not reflect real-time market conditions. Pocket Investor expressly disclaims all liability for any inaccuracies or errors in data obtained from third-party providers.

User Responsibility and Verification

You are solely responsible for evaluating the merits and risks associated with using any information provided on this website. You should always verify the accuracy and completeness of any information on this website independently before relying on it for any purpose. You should verify all pricing, financial data, and company information with your broker, financial representative, or other qualified professional before executing any trade or making any investment decision. Pocket Investor shall not be held responsible for any decisions made or actions taken based on information available on this website.

Risk Warnings

Investing in securities, stocks, bonds, ETFs, mutual funds, and other financial instruments involves risk, including the potential loss of principal. Past performance is not indicative of future results. The value of investments can go down as well as up, and you may receive back less than you originally invested. You should not invest money that you cannot afford to lose. There is no guarantee that any investment strategy will achieve its objectives.

Intellectual Property

This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.

No Warranties

This website and all information, content, and data provided on it are offered on an "as is" and "as available" basis without warranties of any kind, either express or implied. Pocket Investor disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, and absence of errors or viruses. We do not warrant that the website will be uninterrupted, timely, secure, or error-free.

Limitation of Liability

In no event shall Pocket Investor, nor any of its officers, directors, and employees, be held liable for anything arising out of or in any way connected with your use of this website, whether such liability is under contract, tort, or otherwise. Pocket Investor, including its officers, directors, and employees, shall not be held liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or in any way related to your use of this website. This includes, without limitation, any losses or damages arising from trading or investment activities, reliance on data or information provided on this website, or any decisions made based on such data or information. Under no circumstances shall Pocket Investor be liable for any financial losses resulting from investment decisions influenced by content on this website.

Service Modifications and Termination

Pocket Investor reserves the right to modify, suspend, or discontinue any part of the website or its services at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the website or services.

We may suspend or terminate your account at our sole discretion if you violate these terms and conditions, engage in prohibited conduct, or if your account remains inactive for a period of 12 months or more. Upon termination, your right to use the website will immediately cease, and we may delete your account and all associated data. Pocket Investor shall not be liable for any loss of data resulting from account termination.

Indemnification

You agree to indemnify, defend, and hold harmless Pocket Investor and its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with your use of the website, your violation of these terms and conditions, or your violation of any rights of a third party.

Data Use and Third-Party Sharing

By using this website, you acknowledge and agree that your data, including but not limited to personal information, usage data, and portfolio information, may be collected, processed, used, and shared with third parties. Third parties may include service providers, analytics providers, advertising partners, and other business partners who assist us in operating, improving, and providing our services. We may share aggregated, anonymised, or de-identified data with third parties for research, analytics, or other purposes. For more details on how your data is collected, used, and shared, please refer to our Privacy Policy.

Privacy Policy

Our Privacy Policy, which sets out how we will use your information, can be found on our Privacy Policy page. By using this Website, you consent to the processing described therein and warrant that all data provided by you is accurate.

Dispute Resolution

If you have a dispute with us, please contact us directly to try to resolve it. If we can't resolve the dispute, you may be able to use the European Commission's online dispute resolution platform, which can be found at http://ec.europa.eu/odr.

Changes to the Terms

We reserve the right to revise these terms and conditions at any time. By using this Site, you are expected to review these terms on a regular basis to ensure you understand all terms and conditions governing use of this website.

Governing Law & Jurisdiction

Your use of this website and any dispute arising out of such use of the website is subject to the laws of Denmark. You agree to submit to the exclusive jurisdiction of the Danish courts.