Terms & Conditions
Introduction
Welcome! These Terms of Service (the “Terms” or “Agreement”) govern the website www.accessinvest.com (including both mobile and online versions) (the “Site”), online and mobile services (e.g., apps), and software made available by Access Investors Network, Inc. (“Access”, “we”, “our” or “us”), including your use of interactive features, our mobile application, content and/or other services that we own and control and that post a link to these Terms (collectively with the Site, the “Services” and, individually, each a “Service”), regardless of how you access or use the Service, whether via computer, mobile device or otherwise. By using the Services, you acknowledge and accept Access’s Privacy Policy and consent to the collection and use of your data in accordance with the Privacy Policy. Access is not a registered nor licensed funding portal, investment advisor, or investment manager in the United States, nor with any state, district, county, territory or municipality thereof, nor with any other country or territory. As such, it is not acting as in a fiduciary capacity with respect to any user of the Services and Access disclaims any broker-client or adviser-client relationship with respect to any party using this Service.
Please read these Terms and all policies carefully before using any portion of our Services. This Agreement sets forth the legally binding terms and conditions for your use of our Services. BY USING OUR SERVICES, EACH USER (“YOU”, “YOUR”, “user”) ACCEPTS AND AGREES TO THIS AGREEMENT IN ITS ENTIRETY AND ALL OF ITS PROVISIONS.
Your use of the Services is governed by the then current version of this Agreement in effect on the date of such use. Access may, at its sole discretion, modify and replace this Agreement at any time and without prior notice to you by posting the updated Agreement on the Site. By using and accessing the Services, you acknowledge and agree to review the then current version of the Agreement prior to each such use. Your continued use of the Services after any modifications to the Terms have been published on the Services or otherwise provided to you constitutes your acknowledgement of, and binding agreement to, the then current Agreement. Notwithstanding the foregoing, the resolution of any dispute that arises between you and Access will be governed by the Terms in effect at the time the events giving rise to such dispute occurred. Access further reserves the right, in its sole discretion, to block or otherwise discontinue your access and use of the Services at any time and for any reason. You agree that Access and its subsidiaries and affiliates will not be liable to you or to any third party for any such modification, suspension or discontinuance.
Please also note that the terms and conditions of this Agreement are in addition to any other agreements between you and Access, including any customer, account or marketing agreements, and any other agreements that govern your use of products, services, content, tools, and information available on the Site. This Agreement does not alter in any way the terms or conditions of any other agreement you may have with Access, or its subsidiaries or affiliates, for the Services or otherwise. If you do not agree to all the terms of this Agreement, Access" Privacy Policy and/or any Published Information, you are not eligible to participate in Access' Services or otherwise use this Site. This Agreement applies to all Users of the Services, including investment managers, investors, including Accredited Investors, as defined by SEC Regulation D Rule 501 (all, collectively, “Investors”), and visitors to the Site, who in any way use the Services provided by Access. Nothing in these Terms of Service shall be deemed to confer rights on Users or third parties.
No Legal, Accounting or Tax Advice
Access does not provide legal, accounting or tax advice. Any representation or implication to the contrary is expressly disclaimed. You should consult your own legal, accounting and tax experts before using the Services.
Important Notices Applicable to Your Use of the Services
It is important that you read the entire Agreement, but we wanted to point out some of the more important crowdfunding notices here:
The federal and state securities laws applicable to private company finance are complex. In general, they are designed to protect unsophisticated people from making ill-advised investments. These Terms are designed to minimize the risk and to protect Access in the event that anyone claims he, she or it was damaged by using the Services.
Neither the information nor any opinion expressed on the Services constitutes an offer by Access to buy or sell any securities or financial instruments or provide any investment advice or related services. None of the Services shall be construed as an offer to buy, or the solicitation of an offer to sell, any securities. Investments can and do lose money and you should be prepared to lose your entire investment in the Services made available by Access.
The information provided on the Services by us about investment opportunities may not be available to or suitable for you. Not all strategies are appropriate at all times. Access is not obligated to perform, and has not performed, an analysis of investor suitability with respect to the investments available through the Services.
The opinions expressed on the Services by us do not constitute investment advice. Independent advice should be sought in all cases before investing in an opportunity offered through the Services.
The value and income of any of the investing opportunities mentioned on the Services by us can fall as well as rise and an investor may get back less than he or she invested or nothing at all. Past performance is not necessarily a guide to future performance.
The investment opportunities mentioned on the Services may often have tax consequences; therefore, it is important to bear in mind that we do not provide tax advice. The levels and bases of taxation can change. Investors’ tax affairs are their own responsibility and Investors should consult their own attorneys or other tax advisors in order to understand the tax consequences of any investments mentioned on the Services.
Access does not endorse or recommend any of the investment offerings included on the Services.
Please note that Access does not conduct any diligence or review of the investment offerings included on the Services. Access does not offer legal advice. You are encouraged to seek legal counsel prior to investing using information on the Services.
Authorized User
The Services are available only to individuals who are at least 18 years old (and at least the legal age in your jurisdiction). You represent and warrant that if you are an individual, you are at least 18 years old and of legal age in your jurisdiction to form a binding contract, and that all registration information you submit is accurate and truthful. Access may, in its sole discretion, refuse to offer the Services to any person or entity. The Services are not available to any Users suspended or removed from the Site or Service by Access. By using the Services, you represent that you have not been previously suspended or removed from the Site or Service.
As part of Access’ authorization process, each User shall be required to provide, among other things, a valid email address. In providing your email address and agreeing to these Terms of Service, each authorized User consents to receiving email notifications from Access concerning offerings. Additionally, Users of the restricted portions of the Site are required to confirm their status as an Accredited Investor. In order for Access to confirm that your representation regarding your status as an Accredited Investor is accurate when made and continues to be accurate from time to time, you agree to provide Access with all information and documentation reasonably required by Access to verify your status as an Accredited Investor, including without limitation, delivering a completed Accredited Investor Questionnaire, tax returns, brokerage statements, bank statements, resumes and other private financial information. Should you fail to provide information and documentation that confirms your status as an Accredited Investor, Access may immediately suspend, block or otherwise discontinue your access and use of the Site or Service. Access may change its eligibility criteria at any time, for any reason, and without prior notice.
Account Information
If you create an account and become a registered user of the Services, you agree to:
1. provide accurate, current and complete information about you as may be prompted at registration (“Account Information”);
2. maintain the security of your password and identification;
3. maintain and promptly update your Account Information, and any other information that you provide to Access, to keep it accurate, current and complete; and
4. accept all risks of unauthorized access to your Account Information and any other information you provide to Access.
Fees and Payments
Access may, now or in the future, charge fees for the use of the Services or certain features thereof. You agree to pay to Access all applicable fees for the services purchased on or through the Site or Service under your account at the then-current rates for such services (including any applicable taxes). Service fees will be billed at the time you purchase any applicable services. Unless otherwise communicated to you by Access in writing, all fees and charges are nonrefundable. Access may change the fees for the use of the Services, or any service or feature provided thereon, or add new fees or charges, at any time. For any change in fees for services purchased under your account, Access will send you a notice of such change in advance of such change (via email or a message posted on the Site).
Access will bill all applicable charges through the payment method specified in your account (e.g. a credit card or electronic funds transfer). If you pay any applicable fees with a credit card, Access may seek pre-authorization of your credit card account prior to your purchase to verify that the credit card is valid and has the necessary funds or credit available to cover your purchase. You authorize such credit card account to pay any amounts described herein, and authorize Access to charge all sums described herein to such credit card account. You agree to provide Access updated information regarding your credit card and account upon Access’ request and any time the earlier provided information is no longer valid.
Accredited Investors
Some of our Services, and certain web pages of the Site, are available only to those Users who have been authorized by us to access those services and web pages. Only Users of the Service who are Accredited Investors as defined in Regulation D Rule 501 adopted pursuant to the Securities Act of 1933 (“Accredited Investors”) with a valid User ID and password are authorized to access such services and web pages. Such authorization may require completion of an Accredited Investor Questionnaire and satisfactory background information screening and/or identification verification. By registering for, accessing, browsing, and/or otherwise using the services and/or web pages for which access is restricted to Accredited Investors, you represent and agree that you are an Accredited Investor. Should you cease to be an Accredited Investor at any time, you agree to immediately notify Access and to refrain from accessing such restricted portions of the Site and/or Service. Further, because access to the restricted portions of the Site is limited by applicable law to Accredited Investors, you agree that you will not allow anyone to access such restricted portions of the Site, or share or disclose any information obtained through restricted portions of the Site with anyone, regardless of whether you believe such person or entity to also be an Accredited Investor.
Non-Accredited Investors/Regulation A+
Notwithstanding any to the contrary hereunder, the investment offerings posted on the Services are only available to Accredited Investors or non-accredited investors subject to certain limitations as set forth under Regulation A, as amended (“Reg A+”), under the Securities Act (“Reg A+ Qualified Purchasers” or “Qualified Purchasers”). If you intend to invest in an offering under Reg A+, you must represent that you will meet the investment thresholds under Tier 2 of Reg A+ for Qualified Purchasers. Prior to investing, you may be asked to fill out a questionnaire and provide necessary documentation as proof of your income and/or net worth to verify that you are qualified to invest in offerings posted on this Service. You acknowledge and agree that all information you provide for the authorization is complete and accurate. By registering with the Service for purposes of subscribing to investment offerings as a non-accredited investor, you represent and warrant that your investment in any Reg A+ offering posted on this Service shall not exceed the greater of 10% of your annual income or 10% of your net worth (excluding the value of your primary residence) at the time of such investment. YOU MUST MEET ONE OF THE ABOVE CRITERIA. WE ARE ENTITLED TO AND WILL RELY UPON YOUR REPRESENTATIONS.
Federal securities law requires securities sold in the United States to be registered with the U.S. Securities and Exchange Commission (“SEC”), unless the sale qualifies for an exemption. The securities offered on the Service for U.S. investments have not been registered under the Securities Act, in reliance on the exemption promulgated under Regulation A, as amended by Title IV of the Jumpstart Our Business Startups Act, known as “Reg A+”. In a Reg A+ offering, issuers of securities (“Issuers”) may advertise or market their offerings via “testing the waters” communications to the general public, or pay third parties to do so, subject to certain conditions. Federal law requires that Issuers sell Reg A+ securities to Reg A+ Qualified Purchasers who represent they satisfy the investment requirements before accepting subscriptions, among other requirements. Each Issuer is solely responsible for ensuring that its securities offering, including, without limitation, the use of the Services to offer and sell securities, satisfies the determination of whether an investor is a Qualified Purchaser and whether any investment complies with applicable state and Federal securities laws, rules and regulations. All Issuers utilizing the Services hereby agree that they (and not Access) are responsible for determining and verifying whether a potential investor is a Qualified Purchaser prior to accepting subscriptions. Users are strongly encouraged to contact each Issuer directly to discuss any questions regarding an offering or the business prospects of the Issuer.
Investment Offerings
The Service and investment offerings on this Site are available only to professionals who understand economic and investment risk and are willing to bear the consequences of that risk. By using the Services, you represent and warrant that if you are an individual, you are of legal age to form a binding contract and that all registration information you submit is accurate and truthful. You acknowledge and agree that you have significant experience investing in investments of the type offered through the Services, including, without limitation, real estate, equities, notes and other securities, you understand that all of the investments offered through the Services are inherently very risky, and you understand the risks associated with the investments offered through the Site, and you are comfortable with the risk of losing your entire investment invested through the Service. You further acknowledge and agree that investing in private placements carries with it low liquidity concerns and long-term commitments and that the securities sold through private placements are not publicly traded. Additionally, Investors may receive restricted stock that may be subject to holding period requirements. For those reasons, these offerings may be made available only to certain institutional investors and high net worth individuals and entities. If you are using the Services on behalf of any entity, you represent and warrant that you are authorized to accept this Agreement on such entity’s behalf, and that such entity agrees to indemnify Access for violations of this Agreement.
You acknowledge and agree that Access is not a registered Investment Company or Investment Advisor within the meaning of the Investment Company Act of 1940 and the Investment Advisors Act of 1940, respectively. Investment products are not FDIC insured, may lose value, and there is no bank guarantee.
No Solicitation or Advice
None of the information contained in the publicly available portions of the Site constitutes a recommendation, solicitation or offer to buy or sell any securities, options or other financial instruments or other assets or provide any investment advice or service. The information contained in the Site has been prepared without reference to any particular User’s investment requirements or financial situation. The information and services provided on the Site are not provided to, and may not be used by, any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority or where Access is not authorized to provide such information or services. Some products and services described on the Site may not be available in all jurisdictions or to all Users.
You acknowledge that you are not relying on Access or any of its affiliates, officers, directors, partners, agents or employees in making an investment decision. Always consider seeking the advice of a qualified professional before making decisions regarding your business and/or investments. Access does not endorse any investments and shall not be responsible in any way for any transactions you enter into with other Users. You agree that Access and its affiliates, officers, directors, partners, agents or employees will not be liable for any loss or damages of any sort incurred as a result of any interactions between you and other Users.
Unauthorized Use
Unauthorized use of the Services, including, but not limited to, unauthorized entry into our systems, the misuse or sharing of passwords or misuse of any other information, is strictly prohibited. You may not use the Site in any manner that could damage, disable, overburden, or impair the Service or interfere with any other party’s use and enjoyment of the Services. You agree that you will not engage in any activities related to the Services that are contrary to applicable laws or regulations. You may be liable for any losses incurred by Access or others due to any unauthorized use of your account.
You are solely responsible for maintaining the confidentiality of your account and password and agree to promptly report any unauthorized or suspicious activity in your account to us by email at contact@accessinvest.com. You may also be liable for any losses incurred by Access or others due to any unauthorized use of your account.
You further agree that you are responsible for any unauthorized use of your password that is made before you have notified us and we have had a reasonable opportunity to act on that notice. Access reserves the right at its discretion to suspend or cancel your account and/or password, even without receiving such notice from you, if we suspect that it is being used in an unauthorized or fraudulent manner.
Prohibited Activities
You agree that you are responsible for your own conduct while using the Services and for any consequences thereof. You agree to use the Services only for purposes that are legal, proper and in accordance with this Agreement, the Access Privacy Policy, any Published Information and any applicable law, rules or regulations (including without limitation the Securities Act of 1933, the Securities Exchange Act of 1934, the Investment Company Act of 1940, the Investment Advisers Act of 1940, any applicable state “Blue Sky” laws, any other applicable United States federal or state securities laws, regulations and rules, any securities exchange or self-regulatory organization’s rules or regulations, any consumer protection, unfair competition, and anti-discrimination laws or regulations and any applicable foreign laws). By way of example, and not as a limitation, you agree to not take any action that is listed below:
Infringe Rights. You agree not to upload, post, email, transmit, submit, or otherwise make available through the Services any material or content that infringes any patent, trademark, copyright, trade secret or other proprietary right of any party, unless you are the owner of such rights or have the permission of the owner to post such content. You further agree to not take any action that infringes any patent, trademark, trade secret, copyright, right of publicity, or other right of any other person or entity, or violates any law or contract, including removing any copyright, trademark or other proprietary rights notices contained in or on the Services.
Information Disclosure. You agree not to share or disclose to anyone any information obtained through the Services about any investment offerings.
Distribution without Consent. You agree not to distribute in any medium any part of the Services or any content available thereon without Access’ prior written authorization. The only exceptions are where Access makes available the means for such distribution through functionality offered by the Service.
Alterations or Modifications. You agree not to alter or modify any part of the Site or Service. Submitting False, Defamatory or Harassing Information. You agree not to upload, post, email, transmit or submit or otherwise make available through the Services any inappropriate, defamatory, infringing, obscene, false, misleading, inaccurate, harassing, threatening or unlawful material or content or imply that such content is sponsored or endorsed by Access, any of its affiliates or any third parties. You further agree not to take any action that would defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
Unlawful Purposes. You agree not to use the Site or Service for any illegal or unauthorized purpose (including, without limitation, in violation of any United States federal and state securities or blue sky laws or regulations, securities exchange or self-regulatory organization’s rules or regulations, consumer protection, unfair competition, and anti-discrimination laws or regulations or equivalent laws or regulations in foreign jurisdictions).
Transfers or Assignments. You agree not to transfer or assign these Terms, and any rights and licenses granted hereunder.
Non-Public Areas. You agree not to access, tamper with, or use non-public areas of the Site or Service or any other computer systems or networks connected to the Services.
Breach of Security Measures. You agree not to breach any of Access’ security or authentication measures.
Unauthorized Access or Contact. You agree not to gain unauthorized access to the Site, Service, any other Access website or service, or the computer systems or networks connected to the Service through hacking, password mining or any other means. You further agree not to contact any party or user other than as allowed through the Services.
Generate Artificial Traffic. You agree not to use the Services to artificially generate traffic or page links to a website or for any other purpose not expressly allowed under these Terms of Service.
Commercial Uses. You agree not to use the Service for any commercial uses or purposes, unless you obtain Access prior written consent and approval. Such commercial uses include but are not limited to:
1. soliciting other Users for investments of any kind;
2. offering or selling any products or services of any kind;
3. making investment recommendations to other Users; and
4. advertising, sponsorships, or promotions placed on or within the Site or Service.
Unlawful Schemes or Activities. You agree not to upload, post, email or transmit, or otherwise make available through the Services any materials that promote pyramid schemes, chain letters or disruptive commercial messages or advertisements, or anything else prohibited by law, these Terms, the Privacy Policy or any Published Information. You further agree not to promote or provide instructional information about illegal activities or promote physical harm or injury against any group or individual.
Disabling Security Features. You agree not to circumvent, disable or otherwise interfere with security-related features of the Services or any other computer systems or networks connected to the Service. You also agree not to circumvent, disable or otherwise interfere with features that prevent or restrict use or copying of any material or content or enforce Services or content use limitations. Impersonation. You agree not to impersonate any person or entity, including any employee or representative of Access, or falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of any materials.
Other. You agree not to:
1. use the Service or take any action that imposes or may impose (as determined by Access in its sole discretion) an unreasonable or disproportionately large load on Access’ or its third-party providers’ infrastructure or that could damage, disable, overburden, or impair the Service, or interfere with any other party’s use and enjoyment of the Service;
2. interfere or attempt to interfere with the proper working of the Service or any activities conducted on the Service;
3. bypass any measures the Company may use to prevent or restrict access to the Service (or other accounts, computer systems, or networks connected to the Service);
4. run Maillist, Listserv, or any form of auto-responder or “spam” on the Service;
5. use any robot, spider, site search/retrieval application, or other device to retrieve or index any portion of the Service or collect information about its Users for any unauthorized purpose; or
6. transmit any viruses, worms, defects, Trojan horses, or any items of a destructive nature.
Proprietary Rights
The Services are and contain property/content of Access (such as logos, copyrights, trademarks, technology, processes, etc.) (collectively, “Access Proprietary Property”) which may be protected by copyright, trademark, patent, trade secret and other laws. Access owns and retains all rights in and to the Access Proprietary Property. Access hereby grants you a limited, revocable, nonsublicensable license to display and or utilize the Access Proprietary Property solely for your use in connection with using the Services for the purposes authorized by this Agreement. Except as explicitly permitted in this Agreement or unless you have received express, prior written permission from Access or the otherwise applicable rights holder, you do not have the right to use the Access Proprietary Property for any commercial use or to receive any monetary or other compensation in connection with the Access Proprietary Property. Except as expressly provided by this Agreement, your use of the Access Proprietary Property is strictly prohibited.
The Services may contain proprietary property/content provided by third party Access licensors (such as logos, copyrights, trademarks, etc.) (“Third Party Proprietary Property”). Access hereby grants you a limited, revocable, nonsublicensable license to display and/or utilize the Third Party Proprietary Property solely for your use in connection with using the Services for purposes authorized by this Agreement. You do not have the right to use the Third Party Proprietary Property for any commercial use or to receive any monetary or other compensation in connection with the Third Party Proprietary Property. Except as expressly provided by this Agreement, your use of the Third Party Proprietary Property is strictly prohibited.
Unless expressly provided by this Agreement, you may not copy, modify, edit, translate, publish, broadcast, transmit, distribute, perform, display, sell or otherwise use any Access Proprietary Property, any Third Party Proprietary Property or any other content appearing on or through the Site. You acknowledge that Access is not responsible for, does not control and makes no representation or warranty regarding the reliability, accuracy, usefulness, safety, legitimacy or quality of any content. Access does not endorse any content on the Site or any statement, opinion, suggestion or advice contained therein, and Access expressly disclaims any and all liability in connection therewith. You agree that you will bear any and all risk of reliance on the accuracy, validity or legitimacy of any content on the Site. You further understand and agree that in the course of your use of the Services, you may be exposed to content on the Site that is illegal, inaccurate, offensive, indecent or objectionable and you hereby waive, any legal or equitable rights or remedies you have or may have against Access with respect thereto.
User Content
The Services may allow you and other Users to submit, post, transmit and share content with other Users, which may include, without limitation, personal and representative profiles and information sheets on certain private companies or other issuers, streaming feeds articles, documents, brochures, presentations, pictures, images, audiovisual works, other information materials and any user comments or other unedited or third party content submitted by you and other Users on or through the Services (collectively, “User Content”). With respect to such User Content submitted by you or any other Users of the Site or Service, you represent, warrant and affirm as follows:
User Content is made available on or through the Service for informational purposes only and is not otherwise controlled by Access. You understand that Access does not guarantee any accuracy or confidentiality with respect to any such User Content, and strongly recommends that you think carefully about what you transmit, submit or post to or through the Service.
User Content you submit to the Service or Access’ or any Access licensee’s use of such User Content pursuant to these Terms, will not:
1. infringe, violate, or misappropriate any third-party right, including any copyright, trademark, patent, trade secret, moral right, privacy right, right of publicity, or any other intellectual property or proprietary right;
2. violate any applicable laws, rules or regulations (including, without limitation, United States federal and state securities or blue sky laws or regulations, securities exchange or self-regulatory organization’s rules or regulations, or equivalent laws or regulations in foreign jurisdictions); or
3. require obtaining a license from or paying any fees and/or royalties by Access to any third party for the performance of any services you have chosen to be performed by Access or for the exercise of any rights granted in these Terms, unless you and Access otherwise agree.
All User Content and any information contained in such User Content are the sole responsibility of the person(s) who originated such User Content. This means that you, and not Access, are entirely responsible for all User Content that you upload, post, transmit, or otherwise make available through the Service as well as any consequences of submitting and publishing your User Content on the Service. You affirm, represent, and warrant that you own or have the necessary licenses, rights, consents, and permissions to publish User Content you submit; and you license to Access all patent, trademark, trade secret, copyright or other proprietary rights in and to such User Content for publication on the Service pursuant to these Terms of Service.
By submitting User Content to Access, you hereby grant Access and its affiliates, sublicensees, partners, designees, and assignees a worldwide, non-exclusive, royalty-free, sub-licensable and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform the User Content in connection with the Service and Access’ (and its successors’ and affiliates’) business, including without limitation for promotion and redistribution of part or all of the Services (and derivative works thereof) in any media formats and through any media channels.
You hereby grant each User of the Services a non-exclusive license to access your User Content through the Services, and to use, reproduce, distribute, display and perform such Content as permitted through the functionality of the Service and under these Terms of Service. The above licenses granted by you in User Content you submit to the Service terminate within a commercially reasonable time after you remove or delete your User Content from the Service. You understand and agree, however, that Access may retain, but not display, distribute, or perform, server copies of your User Content that has been removed or deleted.
You may be exposed to User Content that is, without limitation, inaccurate, inappropriate, misleading, unlawful, offensive or otherwise objectionable and Access makes no representations or warranties regarding any User Content, is not responsible for the accuracy, usefulness, or intellectual property rights of or relating to any User Content and does not endorse any User Content submitted to the Service by any user or other licensor, as well as any opinion, recommendation, or advice expressed therein and all such content is offered “AS IS” and “AS AVAILABLE”.
Third Party Content
The Site may contain content from and links to third party websites or content that is not owned or controlled by Access (collectively, “Third Party Content”). Access does not control, endorse, investigate or adopt any Third Party Content, and assumes no responsibility for any Third Party Content, or the accuracy, availability, privacy policies, or practices of such content. In addition, Access will not and cannot censor or edit such Third Party Content and makes no representations or warranties of any kind regarding the Third Party Content, including with respect to accuracy or completeness. By using the Service, YOU EXPRESSLY RELIEVE ACCESS FROM ANY AND ALL LIABILITY ARISING FROM YOUR USE OF ANY THIRD-PARTY CONTENT. Accordingly, we encourage you to be aware when you leave the Access Site and to read the terms and conditions and privacy policy of every other website that you visit. Users use such Third Party Content at their own risk.
Copyright Policy
Access does not permit infringement of intellectual property rights on the Site or Service, and Access will remove copyright infringing activities or related User Content if Access is properly notified that such User Content infringes on another’s intellectual property rights. If you believe that your work has been copied in a way that constitutes copyright infringement, or that any material on the Site violates this Agreement or your intellectual property rights, please notify Access as soon as possible by sending an email to contact@accessinvest.com, or by contacting Access’ Agent (listed below), with the following information pursuant to the Digital Millennium Copyright Act (“DMCA”) (please confirm these requirements with your legal counsel, or see the U.S. Copyright Act, 17 U.S.C. §512(c)(3), for more information):
1. an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
2. a description of the copyrighted work that you claim has been infringed;
3. a description of where the material that you claim is infringing is located on the Site, sufficient for Access to locate the material;
4. your contact information, including your address, telephone number, and email address;
5. a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and
6. a statement by you that the information in your notice is accurate and, under penalty of perjury, that you are the copyright owner or authorized to act on the copyright owner’s behalf.
Pursuant to Section 512(c)(2) of the DMCA, Access’ designates the following agent to receive notifications of claimed infringement:
Aaron McDaniel 601 One Embarcadero Center, Suite 547 San Francisco, CA 94111 aaron@Accessinvest.com
For the avoidance of doubt, only DMCA notices should go to Access’ Designated Copyright Agent.
You acknowledge that if you fail to comply with all of the requirements of this section, your DMCA notice may not be valid. We reserve the right to remove User Content alleged to be infringing or otherwise illegal without prior notice and at our sole discretion. In appropriate circumstances, Access will also terminate a User’s account if the User is determined to be a repeat infringer.
Interactions With Other Users
The Services may allow you to correspond or otherwise interact with other Users who may provide you with investments, investment information, advice, services and/or events, or provide you with other information about various companies or organizations. You acknowledge that such other Users are not affiliated with or controlled by Access or its affiliates, and Access cannot influence the investments, information, advice or services provided by them. Your correspondence or interaction with other Users is solely between you and such other Users. You agree that Access and its affiliates will not be responsible or liable for any loss or damage of any sort incurred as the result of any interactions between you and other Users. Furthermore, if you provide any investments, information, advice or services to other Users through the Services, you acknowledge that you are not affiliated with, or controlled or influenced in any way by, Access or its affiliates.
If you have a dispute with one or more Users, you irrevocably and forever release Access (and Access’ affiliates, officers, directors, agents, subsidiaries, joint ventures and employees) from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes. If you are a California resident, you waive California Civil Code Section 1542, which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor.”
Third Party Websites
The Services may permit you to link to other websites or resources on the Internet, and other websites or resources may contain links to the Site. When you access third party websites, you do so at your own risk. These other websites are not under Access’ control, and you acknowledge that Access is not responsible or liable for the content, functions, accuracy, legality, appropriateness or any other aspect of such websites or resources. The inclusion of any such link does not imply an affiliation, sponsorship, or endorsement by Access or any association with its operators. You further acknowledge and agree that Access shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any information, goods or services available on or through any such website or resource. You should also be aware that the terms and conditions and privacy policy of such sites may be different from those applicable to your use of the Access Services.
Account Termination
Access reserves the right – without cause or notice to you – to terminate or suspend your access to some or all of the Site, effectively immediately, if you engage in activities that we conclude, in our discretion, breach these Terms of Service, our Privacy Policy or any Published Information. Users should also understand that the Terms of Service and Privacy Policy are based in many instances on principles of state and federal law. Users who violate these Terms and our Privacy Policy may be exposed under these state and federal laws to criminal charges, and civil liability to harmed parties for compensatory damages, attorney’s fees, and other sanctions. Access reserves the right at all times to disclose information it deems necessary to satisfy any applicable law, regulation, legal process, or governmental request.
Access reserves the right to decide whether User Content violates these Terms of Service for reasons other than copyright infringement, such as, but not limited to, pornography, obscenity, or excessive length. Access may at any time, without prior notice and in its sole discretion, remove such User Content and/or terminate or suspend a user’s account for submitting such material in violation of these Terms, our Privacy Policy or any Published Information. Additionally, if Access determines, in our discretion, that it is necessary, we will disable or take other related action concerning accounts that in our view are using excessive bandwidth or other system resources. Upon any termination or expiration of your account and/or your access to the Site or Service, whether by you or Access, Access may remove and discard all or any part of any User Content uploaded by you and such User Content may no longer be accessible by you. Access will have no obligation to maintain any such information in its databases or to forward any such information to you or any third party.
Account termination may result in the forfeiture and destruction of all information associated with your account. If you wish to terminate your account, you may do so by contacting Access customer service at contact@accessinvest.com or by deleting your account and discontinuing your use of the Site and Service. Any fees paid to the Company are non-refundable, unless otherwise specified and you shall remain obligated to pay all outstanding charges, if any, relating to your use of the Site or Service incurred prior to such termination. All provisions of these Terms that by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
Warranty Disclaimer
YOU AGREE THAT YOUR USE OF THE SERVICES AND ANY CONTENT, PRODUCTS, SERVICES, OR FEATURES MADE IN CONJUNCTION WITH OR THROUGH THE SERVICE SHALL BE AT YOUR SOLE RISK AND UNLESS OTHERWISE EXPRESSLY STATED BY Access, ARE PROVIDED “AS IS” AND “AS AVAILABLE”. TO THE FULLEST EXTENT PERMITTED BY LAW, Access, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICE AND YOUR USE THEREOF, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF PROPRIETARY RIGHTS, COMPLIANCE WITH UNITED STATES FEDERAL AND STATE SECURITIES OR BLUE SKY LAWS OR REGULATIONS, SECURITIES EXCHANGE OR SELF-REGULATORY ORGANIZATION’S RULES OR REGULATIONS, AND EQUIVALENT LAWS OR REGULATIONS IN FOREIGN JURISDICTIONS, CORRECTNESS, ACCURACY AND RELIABILITY.
Access HAS NO CONTROL OVER AND NO DUTY TO TAKE ANY ACTION REGARDING AND
MAKES NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THIS SITE’S CONTENT OR THE CONTENT OF ANY SITES LINKED TO
THIS SITE AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY: ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR SERVICES, ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR SERVICE, ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH OUR SERVICES BY ANY THIRD PARTY, AND/OR ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND
INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICE.
Access DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICE OR ANY HYPERLINKED SERVICES AND Access WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.
Access AND ITS AFFILIATES HAVE NO SPECIAL RELATIONSHIP WITH OR FIDUCIARY DUTY TO YOU AND WITHOUT LIMITING THE FOREGOING, MAKE NO REPRESENTATION OR WARRANTY WITH RESPECT TO THE MERITS AND RISKS OF ANY INVESTMENTS MADE BY USING OR THROUGH THE SERVICE. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.
Access IS NOT RESPONSIBLE FOR VERIFYING THAT ANY INVESTOR OR USER IS AN ACCREDITED INVESTOR BEYOND REVIEWING INFORMATION SUBMITTED DIRECTLY TO Access.
Access DOES NOT RECOMMEND ANY INVESTMENT OPPORTUNITIES SPECIFICALLY TO OR FOR ANY USER OR ENDORSE THEIR SUITABILITY FOR INVESTMENT BY ANY SPECIFIC USER. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.
Limitation of Liability
IN NO EVENT SHALL Access, ITS OFFICERS, DIRECTORS, EMPLOYEES, PARTNERS, SUPPLIERS, CONTENT PROVIDERS OR AGENTS, BE LIABLE TO YOU UNDER CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE OR ANY OTHER LEGAL OR EQUITABLE THEORY WITH RESPECT TO THE SERVICE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM ANY: LOST PROFITS, DATA LOSS, COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES
(HOWEVER ARISING); ERRORS, MISTAKES, OR INACCURACIES OF CONTENT; OFFENSIVE, INDECENT, OR OBJECTIONABLE CONTENT FROM A VARIETY OF SOURCES TO WHICH YOU ARE EXPOSED BY USING OUR SERVICES.
Access IS NOT RESPONSIBLE FOR THE ACCURACY, USEFULNESS, SAFETY, OR INTELLECTUAL PROPERTY RIGHTS OF OR RELATING TO SUCH CONTENT; DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY; PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR SERVICES; UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN; LOSSES CAUSED BY ANY UNAUTHORIZED USE OF YOUR ACCOUNT. YOU MAY BE LIABLE FOR THE LOSSES OF Access OR OTHERS DUE TO SUCH UNAUTHORIZED USE; INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR SERVICES, ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE, WHICH MAY BE TRANSMITTED TO OR THROUGH OUR SERVICES BY ANY THIRD PARTY, AND/OR ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF YOUR USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION. THIS LIMITATION OF LIABILITY ALSO APPLIES WITH RESPECT TO DAMAGES INCURRED BY YOU BY REASON OF ANY PRODUCTS OR SERVICES SOLD OR PROVIDED ON ANY LINKED SITES OR OTHERWISE BY THIRD PARTIES OTHER THAN Access AND RECEIVED THROUGH THE SERVICES OR ANY LINKED SITES.
IN NO EVENT WILL Access’ OR ITS AFFILIATES’, CONTRACTORS’, EMPLOYEES’, AGENTS’, OR THIRD-PARTY PARTNERS’ OR SUPPLIERS’ LIABILITY TO YOU FOR DAMAGES, LOSSES, AND CAUSES OF ACTION ARISING OUT OF OR RELATING TO THIS AGREEMENT OR YOUR USE OF THE SERVICE OR YOUR INTERACTION WITH OTHER USERS (WHETHER IN CONTRACT, TORT INCLUDING NEGLIGENCE, STRICT LIABILITY, WARRANTY, OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ANY ACCESS TO OR USE OF the SERVICE OR ANY PART THEREOF, OR ONE HUNDRED DOLLARS, WHICHEVER IS GREATER. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN SUCH CASES, Access’ LIABILITY WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.
Indemnification
To the extent permitted by applicable law, you agree to defend, indemnify and hold harmless Access, its affiliates, officers, directors, employees, contractors, suppliers, representatives and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debts, and expenses (including but not limited to attorney’s fees) arising from or relating to:
1. your use or misuse of and access to the Site, Service, or any content thereon;
2. your violation of any term of this Agreement, Access’ Privacy Policy, or any Published Information;
3. infringement by you or any third party using your account of any third party right, including without limitation any copyright, property, or privacy right; or
4. any claim that your User Content caused damage to a third party.
This defense and indemnification obligation will survive this Agreement and your use of the Services. Access reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with the Company in asserting any available defenses.
International Use
Accessing the Services is prohibited from territories where the Services or any content thereon is illegal. If you access the Services from other locations, you do so at your own initiative and are responsible for compliance with local laws[1].
Governing Law; Arbitration
This Agreement (and any further rules, policies, or guidelines incorporated by reference) shall be governed by and construed and enforced in accordance with the laws of the state of California as they apply to agreements entered into and to be performed entirely within California between California residents, without giving effect to any principles of conflicts of law, and without application of the Uniform Computer Information Transaction Act or the United Nations Convention of Controls for International Sale of Goods. By your agreement to the Terms and your use of the Access’ Service, you agree to submit to personal jurisdiction in California for all purposes, and you agree to waive, to the maximum extent permitted by law, any right to a trial by jury for any matter.
Unless otherwise agreed in writing by you and Access, any dispute arising out of or relating to the Terms, or any breach thereof, shall be finally resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, or such arbitration body as required by law, rule or regulation, and final judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitration will be conducted in the English language before a single arbitrator in California. Such arbitration must be commenced within one (1) year after the claim or cause of action arises. Judgment on any award entered by the arbitrator may be entered in any court having jurisdiction thereof. Notwithstanding the foregoing, either Access or you may apply to any court of competent jurisdiction for injunctive relief without breach of this arbitration provision.
Any cause of action arising out of or related to the Services, and all products and services offered via the Access Services must commence within one (1) year after the cause of action accrues. Otherwise, such cause of action is permanently barred. You acknowledge and agree that you may bring claims against Access only in an individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.
No Class Action Matters. YOU AND Access AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING OR AS AN ASSOCIATION. Disputes will be arbitrated only on an individual basis and will not be joined or consolidated with any other arbitrations or other proceedings that involve any claim or controversy of any other party. There shall be no right or authority for any dispute to be arbitrated on a class action basis or on any basis involving disputes brought in a purported representative capacity on behalf of the general public, or other persons or entities similarly situated. But if, for any reason, any court with competent jurisdiction holds that this restriction is unconscionable or unenforceable, then our agreement in this section to arbitrate will not apply and the dispute must be brought exclusively in court pursuant to this section. Notwithstanding any other provision of this section, any and all issues relating to the scope, interpretation and enforceability of the class action waiver provisions contained herein (described in this “No Class Action Matters” section), are to be decided only by a court of competent jurisdiction, and not by the arbitrator. The arbitrator does not have the power to vary these class action waiver provisions.
Delivery and Notice Policy
By using the Services, you consent to receive from Access, or any of its affiliates, officers, directors, partners, agents, or employees, all communications, including notices, agreements, legally required disclosures, or other information in connection with the Services or investment offerings made available to you via the Services (collectively, “Notice Information”) electronically. Access may provide the electronic Notice Information by posting them on the Site or sending the Notice Information to the email address you provided to Access during the account registration process. If you desire to withdraw your consent to receive Notice Information electronically, you must discontinue your use of the Service. Except as explicitly stated otherwise, legal notices will be served, with respect to Access and the Services, to contact@accessinvest.com.
Electronic Communication Privacy Act Notice (18 U.S.C. § 2701-2711): Access makes no guaranty of confidentiality or privacy of any communication or information transmitted on the Site or any website linked to the Site. Access will not be liable for the privacy of email addresses, registration and identification information, disk space, communications, confidential or trade-secret information, or any other content stored on Access’ equipment, transmitted over networks accessed by the Site, or otherwise connected with your use of the Services.
Miscellaneous Terms
These Terms of Service, together with the Privacy Policy, Published Information, and any other legal notices published by Access on the website, shall constitute the entire agreement between you and Access concerning the Services and supersedes all prior or contemporaneous communications, agreements and understandings between Access and you with respect to the subject matter hereof. To the extent these Terms of Service conflict with the terms of our Privacy Policy and the Published Information, these Terms will control. These Terms of Service shall not be assignable by you, either in whole or in part. Access reserves the right to assign its rights and obligations under these Terms without restriction. The failure of Access to enforce any right or provision of these Terms of Service will not constitute a waiver of future enforcement of that right or provision. The waiver of such right or provision may only become effective upon written agreement signed by a duly authorized representative of Access. The section titles in this Agreement and the Privacy Policy are for convenience only and have no legal or contractual effect. If for any reason any provision of these Terms, or a portion thereof, shall be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of these Terms, and the remainder of these Terms shall continue in full force and effect. If any provision of the Terms shall be unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from the Terms and will not affect the validity and enforceability of any remaining provisions. A printed version of these Terms shall be admissible in judicial or administrative proceedings.
Access shall not be liable for any failure to perform its obligations hereunder where the failure results from any cause beyond Access’ reasonable control, including, without limitation, mechanical, electronic, or communications failure or degradation. No agency, partnership, joint venture, or employment relationship is created as a result of the Terms and neither party has any authority of any kind to bind the other in any respect. Except as expressly provided in these Terms, there shall be no third-party beneficiaries to the Terms. Access reserves the right, without any limitation, to: (i) investigate any suspected breaches of its Service security or its information technology or other systems or networks, (ii) investigate any suspected breaches of these Terms, (iii) investigate any information obtained by Access in connection with reviewing law enforcement databases or complying with criminal laws, (iv) involve and cooperate with law enforcement authorities in investigating any of the foregoing matters, (v) prosecute violators of these Terms, and (vi) discontinue the Services, in whole or in part, suspend or terminate your access to it, in whole or in part, including any User accounts or registrations, at any time, without notice, for any reason and without any obligation to you or any third party. Any suspension or termination will not affect your obligations to Access under these Terms. Upon suspension or termination of your access to the Service, or upon notice from Access, all rights granted to you under these Terms will cease immediately, and you agree that you will immediately discontinue use of the Services.
Questions? Please email us at contact@accessinvest.com.