Terms of service

Last update: 18/02/2025

Welcome to InvestorsObserver (hereinafter – “InvestorsObserver”, “we”, “us”). Your use of our website tells us you have read and agreed to these Terms & Conditions. Please read them carefully because they set out the terms of a legally binding agreement between you and InvestorsObserver.

InvestorsObserver website is not meant for or targeted to minors. Therefore, you must be at least 18 years of age or over to use this website. By using the InvestorsObserver website, you represent and warrant that you meet the foregoing eligibility requirement.

The content of InvestorsObserver is for informational and educational purposes only. We are not a broker-dealer, mortgage or loan broker, lender, operator, financial or similar institution as well as we do not provide any legal, financial or investment advice or offer any financial or similar products or services. If you have any concerns, please consult with a qualified professional before making financial decisions.

You assume full responsibility for any decision and/or action taken in reliance on the InvestorsObserver website and the results of the same.

Use of material appearing on InvestorsObserver website

All content on InvestorsObserver website, including without limitation, all text, graphics, photographs, images, illustrations, videos, audio, trademarks, logos, artwork, interfaces, and all other material is owned, used with permission, or licensed by or to InvestorsObserver. This content is protected by trademark, copyright, patent, unfair competition laws, and under all intellectual property rights. Any unauthorized use of InvestorsObserver’s content (i.e., without our prior written permission) may infringe our rights, including intellectual property rights, which can result in personal and corporate liability.

However, we recognize that users of the Internet want to share information with others; thus, as long as you do not create a substitute, you may publish online the original InvestorsObserver headline and a link to the article indicating InvestorsObserver as the original source. You may also share our content via Facebook, Twitter, and other social media buttons available on our website.

Except as expressly authorized by InvestorsObserver, you are not allowed to create a database in electronic or paper form comprising all or part of the material appearing on the InvestorsObserver website.

For all inquiries about distribution or reproduction of the materials, please get in touch with us via our Contact form.

User comments

Our website contains interactive areas where users can express their opinions and share their ideas and information with one another as well as with us. Please use your best judgment when posting comments on our website. We particularly discourage divulging personal or personally identifiable information in public areas of our website. Any information posted by you will be considered non-confidential, non-proprietary, and non-revealing of any trade secret. You are not permitted to make any comments of fraudulent, misleading, disrespectful, or unlawful content.

We reserve the right, but are not obligated, to pre-screen, refuse to show or remove comments on our website at our sole discretion. We may also terminate your access to our website or prevent you from posting additional comments.

We are not responsible or liable to any third party for the content or accuracy of any comment posted by any user of the InvestorsObserver website.

By posting comments on our website, you grant us a non-exclusive, perpetual, irrevocable, transferable, sub-licensable and worldwide license to host, use, distribute, modify, run, copy, relocate, publicly perform, or display, translate, archive, store, and create derivative works from your content.

Third-party advertising and sponsorship

Our website may contain third party advertising and/or sponsorship materials that are labeled as such. Each advertiser and/or sponsor is solely responsible for the content of its advertising and/ or sponsorship material and/or offerings. We accept no responsibility for the content of such materials, including, without limitation, any error, omission, or inaccuracy therein.

If you would like to advertise (including affiliate links advertising) on InvestorsObserver website, please reach out to us via our Contact form.

Affiliate links advertising disclosure

Our website needs funds to operate so that you could view our content free-of-charge. Thus, some of the links directing you to the websites of specific service providers are affiliate links. This means that we might receive some form of compensation through an arrangement with a third-party if you click on a certain link on our website and/or purchase a product and/or use a service after clicking on it.

However, keep in mind that we carefully analyze and evaluate each product or service, including main functionalities, in advance and link only to products or services that we think might be a good choice for our users.

In some cases, we may rate or rank certain products or services. These ratings or rankings are driven solely by us without regard to any financial or advertising relationship that may exist with the companies that provide those products or services.

We do not submit our editorial content to any service provider for pre-publication review or approval.

All pages on the InvestorsObserver website, containing affiliate links, include an appropriate disclosure.

InvestorsObserver does not review or include all companies or all available products and services in its content.

Disclaimer of liability

YOUR USE OF THE INVESTORSOBSERVER WEBSITE AND ITS CONTENTS IS AT YOUR OWN RISK. ALL MATERIALS AND SERVICES ON THE WEBSITE AND ANY THIRD-PARTY SITE TO WHICH THE FOREGOING LINKS IS PROVIDED “AS IS” OR “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND.

YOU FURTHER ACKNOWLEDGE AND AGREE THAT NEITHER INVESTORSOBSERVER, NOR ITS PARENT COMPANY, ITS SISTER COMPANIES OR SUBSIDIARIES, AFFILIATES, DIVISIONS, BRANCHES, DIRECTORS, EMPLOYEES, INDEPENDENT CONTRIBUTORS AND/OR OTHER AUTHORIZED THIRD PARTIES SHALL BE LIABLE, DIRECTLY, OR INDIRECTLY, (TO THE EXTENT PERMITTED BY LAW) TO YOU OR ANYONE ELSE FOR ANY DAMAGE OR LOSS OR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, AND/OR SIMILAR DAMAGES ARISING OUT OF YOUR ACCESS OR USE OF, OR YOUR INABILITY TO ACCESS OR USE INVESTORSOBSERVER WEBSITE AND THE INFORMATION AND/OR SERVICES AVAILABLE ON IT OR ARISING OUT OF ANY ACTION TAKEN IN RESPONSE TO OR AS A RESULT OF ANY INFORMATION AVAILABLE ON INVESTORSOBSERVER WEBSITE.

THE INCLUSION OR OFFERING OF ANY PRODUCTS OR SERVICES ON OUR WEBSITE DOES NOT CONSTITUTE ANY ENDORSEMENT OR RECOMMENDATION OF SUCH PRODUCTS OR SERVICES BY US. ALL SUCH INFORMATION, PRODUCTS AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND.

THE CONTENT PUBLISHED ON INVESTORSOBSERVER WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. IF YOU BELIEVE THAT AN ACTUAL FACTUAL ERROR HAS BEEN MADE, PLEASE GET IN TOUCH WITH US VIA OUR CONTACT FORM. THIS WAY WE COULD SORT OUT THE ISSUE TOGETHER AND EITHER CORRECT OR CONFIRM THE FACTS.

OUR WEBSITE MAY CONTAIN LINKS TO AND FROM OTHER SITES. THESE SITES ARE A SUBJECT TO OTHER TERMS OF USE AND PRIVACY POLICIES IMPOSED BY THE THIRD PARTIES MAINTAINING THOSE SITES. WE DO NOT ACCEPT ANY RESPONSIBILITY OR LIABILITY FOR THESE OTHER SITES AND INFORMATION AND/OR SERVICES AVAILABLE ON THEM: THE ACCURACY AND/OR CONTENT PROVIDED THEREON, ANY DIRECT AND/OR INDIRECT DAMAGE OR LOSS, TECHNICAL AND/OR SYSTEM ISSUES ARISING OUT OF YOUR ACCESS TO AND/OR USE OF THIRD PARTIES’ TECHNOLOGIES, PROGRAMS AND/OR OTHER SERVICES AVAILABLE THROUGH THOSE SITES, ETC.

PLEASE READ CAREFULLY ALL INFORMATION AVAILABLE ON THE THIRD PARTIES’ SITES ABOUT PRODUCTS AND/OR SERVICES INVESTORSOBSERVER WEBSITE LINKS TO, AND CONSULT WITH A QUALIFIED PROFESSIONAL REGARDING SPECIFIC FINANCIAL QUESTIONS, IF NECESSARY, BEFORE MAKING A PURCHASE OR USING SERVICES.

YOU HEREBY WAIVE ALL CLAIMS AGAINST INVESTORSOBSERVER, ITS PARENT COMPANY, ITS SISTER COMPANIES, SUBSIDIARIES, AFFILIATES, DIVISIONS, BRANCHES, DIRECTORS, EMPLOYEES, INDEPENDENT CONTRIBUTORS AND OTHER AUTHORIZED THIRD PARTIES ARISING OUT OF YOUR USE OF INVESTORSOBSERVER WEBSITE AND THE INFORMATION AVAILABLE THEREON.

Indemnification

You agree to defend, indemnify, and hold harmless InvestorsObserver, its parent company, its sister companies, subsidiaries, affiliates, and their respective officers, directors, employees as well as independent contributors and any other authorized third parties from any and all claims, liabilities, costs, and expenses, including, but not limited to, attorneys’ fees and expenses, arising out of a breach of these terms and conditions and/or privacy policy and/or arising out of a breach of your obligations, representation and warranties under these terms and conditions.

Data protection

Please read our Privacy Policy to find out how InvestorsObserver deals with personal data processing.

Governing law and jurisdiction

These terms and conditions are governed by the laws of the Republic of Lithuania and the parties agree to submit to the exclusive jurisdiction of the courts of the Republic of Lithuania.

Compliance with the laws of user’s jurisdiction and

We make no claims that InvestorsObserver content is appropriate in a certain country/ state. Please be aware that you are responsible for compliance with the laws of your jurisdiction.

Additionally, please be informed that we do not guarantee that all products and/or services of the third parties we provide information on our website about are available in your country or state.

General

InvestorsObserver is owned by creditech, UAB (registration code 306313624, address Vokieciu st. 26, LT-01130, Vilnius, Lithuania).

You may not license or transfer any of your rights under these terms and conditions.

Our failure to insist upon or enforce any provision of these terms and conditions shall not be construed as a waiver of any provision or right of InvestorsObserver.

If any provision of these terms and conditions is found to be invalid by any court having competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions of these terms and conditions, which will remain in full force and effect.

We may update our Terms & Conditions from time to time. This may be in relation to changes in the law, best practice, or changes in our services. Any changes will become effective when we post the revised document; thus, you should check here regularly.