Terms of Use

Welcome to arfa.markets ("ARFA," "we," "us," or "our").

These Terms of Use ("Terms") govern your access to and use of the website located at https://arfa.markets/ and any related pages, content, features, communications, or services made available through it (collectively, the "Site").

By accessing or using the Site, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not use the Site.

1. About ARFA

ARFA is an independent analytical platform and founder-led project focused on market intelligence, portfolio thinking, macro analysis, and strategic perspectives on capital and asset allocation.

ARFA is not a broker, exchange, custodian, bank, trading venue, or licensed investment firm unless expressly stated otherwise in writing.

2. No Investment Advice; No Regulated Services

The content available on the Site is provided for general informational, educational, and analytical purposes only. Nothing on the Site constitutes, or should be understood as:

• investment advice,
• personal financial advice,
• legal, tax, regulatory, or accounting advice,
• a recommendation to buy, sell, hold, or transact in any security, instrument, or strategy,
• an offer, solicitation, or invitation to invest,
• portfolio management,
• execution or order-routing services,
• or any other regulated investment service.

You are solely responsible for your own decisions. You should consult qualified professional advisers before making financial, investment, tax, legal, or other important decisions.

3. No Client Relationship

Your use of the Site does not create any advisory, fiduciary, client, broker, agency, partnership, or professional relationship between you and ARFA.

Any future engagement between you and ARFA, if any, would be subject to a separate written agreement.

4. Accuracy, Completeness, and Timeliness of Information

We aim to provide thoughtful, high-quality content, but we do not guarantee that any information on the Site is accurate, complete, current, reliable, or suitable for your purposes at all times.

Market data, company information, macroeconomic information, charts, pricing, performance figures, third-party materials, and analytical views may contain delays, inaccuracies, omissions, or errors.

Markets change quickly. Information that was accurate or reasonable at one time may later become outdated. You should independently verify any information before relying on it.

5. Future Expectations and Analytical Opinions

The Site may contain opinions, estimates, forward-looking statements, scenario analysis, market commentary, or judgments about future developments. Such content reflects views only as of the relevant date, may change without notice, and may turn out to be incorrect.

Past performance, historical trends, and prior market behavior do not guarantee future results.

6. Permitted Use of the Site

You may use the Site only for lawful purposes and only in accordance with these Terms. You agree not to:

• use the Site in any way that violates applicable law or regulation,
• misuse, copy, scrape, harvest, or systematically extract content or data from the Site,
• republish, redistribute, sell, sublicense, or commercially exploit Site content without our prior written permission,
• use bots, crawlers, scripts, automated tools, or similar means to access or monitor the Site,
• interfere with the proper working, security, or integrity of the Site,
• attempt to gain unauthorized access to any systems, accounts, or data,
• impersonate any person or entity,
• or use the Site or its content to build a competing service without our written consent.

7. Intellectual Property

Unless otherwise stated, the Site and all content on it — including text, graphics, branding, logos, layouts, designs, reports, commentary, charts, original databases, audio, video, and software — are owned by ARFA or licensed to ARFA and are protected by applicable intellectual property laws.

All rights are reserved. You may view and use Site content for your own personal or internal business reference only, subject to these Terms.

8. Limited Quotations and References

Reasonable short quotations or references to publicly available ARFA content may be used only if the quoted material is limited in scope, the meaning is not distorted, ARFA is clearly and properly attributed, and a link to the original source is included where reasonably possible.

Full republication, systematic copying, or use in commercial products is not permitted without prior written consent.

9. Third-Party Content, Links, and Tools

The Site may contain links to third-party websites, third-party research, embedded tools, external media, or references to other products, services, or providers. Such links and references are provided for convenience only. ARFA does not control and does not necessarily endorse any third-party content, website, service, or provider.

10. User Submissions and Communications

If you contact us, submit an inquiry, provide feedback, or otherwise send materials to us, you represent that the information you provide is accurate and lawful, you have the right to provide it, and your submission does not infringe the rights of any third party.

11. Accounts and Restricted Features

If any part of the Site allows user accounts, newsletters, subscriptions, member access, or gated content, you are responsible for maintaining the confidentiality of your login credentials, you are responsible for all activity under your account, and you must notify us promptly of any suspected unauthorized use.

12. Paid Content, Subscriptions, and Billing

If ARFA offers any paid content, subscriptions, memberships, premium research, or other paid services, pricing, billing frequency, renewal terms, and cancellation terms will be presented at the point of purchase. Unless otherwise stated at the point of sale, fees are non-refundable except where required by applicable law.

13. Trials, Promotions, and Beta Features

Any free trial, promotional access, pilot offering, or beta feature may be modified, suspended, or withdrawn at any time. Beta or experimental features may contain bugs, errors, interruptions, or incomplete functionality.

14. Availability of the Site

We do not guarantee that the Site, or any content or feature on it, will always be available, uninterrupted, secure, or error-free. We may modify, suspend, discontinue, or remove all or part of the Site at any time without notice.

15. Disclaimer of Warranties

To the fullest extent permitted by law, the Site and all content, materials, and features made available through it are provided on an "as is" and "as available" basis. ARFA disclaims all warranties of any kind, whether express, implied, or statutory, including but not limited to warranties of accuracy, completeness, merchantability, fitness for a particular purpose, title, non-infringement, availability, security, and freedom from errors or viruses.

16. Limitation of Liability

To the fullest extent permitted by law, ARFA and its founder, affiliates, contractors, contributors, service providers, and representatives shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages, including without limitation financial losses, investment losses, lost profits, loss of opportunity, loss of goodwill, business interruption, loss of data, or any other losses arising out of or in connection with your use of, or inability to use, the Site or reliance on any content.

Your sole remedy for dissatisfaction with the Site is to stop using it.

17. Indemnification

You agree to indemnify, defend, and hold harmless ARFA and its founder, affiliates, contractors, and representatives from and against any claims, liabilities, damages, losses, costs, and expenses arising out of or related to your use of the Site, your breach of these Terms, your violation of any law or third-party rights, or your misuse of Site content.

18. Privacy

Your use of the Site is also subject to our Privacy Policy, which describes how we collect, use, and protect personal data.

19. Changes to These Terms

We may update or modify these Terms from time to time. The updated version will be posted on this page with a revised "Last updated" date. Your continued use of the Site after updated Terms are posted constitutes your acceptance of those revised Terms.

20. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of Cyprus, without regard to conflict-of-law principles.

21. Disputes

Any dispute arising out of or relating to these Terms or the Site shall be subject to the exclusive jurisdiction of the courts of the Republic of Cyprus, unless applicable law requires otherwise.

22. Severability

If any provision of these Terms is found to be unlawful, invalid, or unenforceable, that provision shall be enforced to the maximum extent permitted, and the remaining provisions shall remain in full force and effect.

23. Entire Agreement

These Terms, together with the Privacy Policy and any other legal notices expressly incorporated by reference, constitute the entire agreement between you and ARFA regarding your use of the Site.

24. Contact

If you have questions about these Terms, please contact:

ARFA
Website: https://arfa.markets/
Email: [email protected]