Terms of Service

1. Agreement

These Terms of Service ("Terms") form a legal agreement between you and each of Invest Check Inc., an Alberta corporation,and InvestCheck LLC, a Texas limited liability company (each of them, individually and collectively referred to as "Invest Check", "we", "us", or "our"). They govern your access to and use of investcheck.com and any related services, content, or features we provide (collectively, the "Service").

By clicking the acceptance checkbox presented to you prior to your access to the Service, you confirm that you have read and understood these Terms and our Privacy Policy and agree to be bound by them. If you do not agree to these Terms, do not proceed with the Service.

2. Eligibility

You must be at least eighteen (18) years old and able to form a legally binding contract under the laws of your jurisdiction to use the Service. By accepting these Terms, you confirm that you are at least the age of majority in the jurisdiction in which you reside and are legally capable of entering into a binding agreement. If you are accessing the Service on behalf of an entity, you represent that you have authority to bind that entity to these Terms, and the entity is validly subsisting in the jurisdiction of its organization.

3. The Service and definitions

Invest Check is a financial publisher. The Service publishes historical trading records contributed by third-party traders who have agreed in writing to have their results displayed. The following defined terms are used throughout these Terms:

• "Featured Trader" — an individual trader who has entered into a written agreement with Invest Check authorising publication of their trading information on the Service.
• "Trader Content" — the trade records, biographical information, strategy descriptions, avatar images, and other content contributed by, or about, a Featured Trader.
• "Snapshot" — a one-time purchase that grants you permanent access to the trades that existed for a Featured Trader at the time of your purchase.
• "Subscription" — a recurring monthly purchase that grants you access to live trade updates and the daily trade digest for a Featured Trader (or a bundle of Featured Traders) for as long as the Subscription remains active.
• "Verified" — a label (AND NOT A REPRESENTATION OR WARRANTY) applied to a trade after Invest Check has reviewed a brokerage statement or equivalent source document for that specific trade and confirmed that the entry price, exit price, quantity, and dates as published match the source document. Verification does not confirm a Featured Trader's overall account performance, account balances, strategy adherence, or future results. Trades that have not been Verified are clearly labelled as such on the Service. See the Disclaimers below.
• "Simulator" — any tool on the Service that displays modelled, simulated, follow-along, or back-tested returns based on a Featured Trader's historical trades.

Snapshots and Subscriptions are independent products. Cancelling a Subscription does not affect previously purchased Snapshots, and a Snapshot purchase does not entitle the holder to live updates.

Invest Check may change, suspend, or discontinue any feature of the Service at any time. Where a material change reduces a paid feature you are actively subscribed to, we will give reasonable advance notice and, where possible, an opportunity to cancel before the change takes effect.

4. Accounts

You are responsible for keeping your account credentials confidential and for all activity that occurs under your account. You agree to notify us promptly of any unauthorised use. We may suspend or terminate accounts that we have reason to believe are being used by more than one individual, that are sharing access in breach of these Terms, or that are otherwise being misused.

You represent and warrant that all information you submit through the Service is accurate, complete, current, and your own. You must not submit information on behalf of another person without their express authorization. You must not submit false, misleading, or fraudulent information for any purpose.

5. Your Personal Information

By using the Service, you consent to us collecting, using, and disclosing your personal information as follows:

What we collect

Subscribers (Users). When you create an account and purchase a Snapshot or Subscription, the Service collects: your name, email address, billing address, and payment information (processed by Stripe); your identity verification information (including SMS-based verification); your electronic signature where required; and data about how you interact with the Service, such as which trader profiles and features you access, time spent on pages, and purchase history.

Featured Traders. When an individual applies to or is onboarded as a Featured Trader, the Service collects, in addition to the account information above: brokerage account login credentials or equivalent access credentials used for Verification purposes; brokerage statements, trade confirmations, and equivalent source documents submitted for Verification; employment history, trading background, and biographical information used to populate the trader's public profile; strategy descriptions, avatar images, and other Trader Content contributed under the Featured Trader agreement; and any identity documentation required for onboarding or ongoing compliance purposes.

Why we collect it

• Creating and securing your account. Performance of the contract between you and Invest Check; our legitimate interest in account security.
• Processing one-time purchases and subscriptions, issuing receipts. Performance of the contract; compliance with tax and accounting law.
• Granting access to the trade reports you have purchased or subscribed to, and removing access when a subscription ends. Performance of the contract.
• Sending operational email — sign-in codes, receipts, subscription notices, and account alerts. Performance of the contract; our legitimate interest in account security.
• Sending the daily trade digest and other marketing email. Your express, separate opt-in consent (which you can withdraw at any time).
• Detecting and preventing fraud, abuse, account-sharing, and credential theft. Our legitimate interest in protecting the service.
• Maintaining the integrity, performance, and security of the service. Our legitimate interest in operating a reliable service.
• Keeping records required by tax, accounting, anti-fraud, and other legal obligations. Compliance with legal obligations.
• Identity and eligibility verification. To confirm that the applicant is who they say they are, is of legal age, and meets any eligibility criteria required under the Featured Trader agreement and applicable law.
• Verification of trade records. To access, review, and cross-reference brokerage statements and source documents against published trade data, so that the "Verified" label applied to trades on the Service accurately reflects a match between the source document and the published entry price, exit price, quantity, and dates.
• Onboarding and agreement administration. To execute and maintain the Featured Trader agreement, including capturing electronic signatures, maintaining a record of consents given, and managing the ongoing contractual relationship.
• Profile publication. To populate the Featured Trader's public-facing profile on the Service, including biographical information, trading background, strategy descriptions, and avatar image, as authorized by the Featured Trader under their agreement with Invest Check.
• Ongoing compliance and audit trail. To maintain records sufficient to respond to regulatory inquiries, securities regulator requests, or legal proceedings, and to demonstrate that Invest Check's Verification process was conducted in good faith and in accordance with its stated methodology.
• Conflict of interest monitoring. To identify and disclose, where required, any changes in a Featured Trader's circumstances — including positions held, compensation arrangements, or regulatory status — that may be material to users of the Service.
• Fraud and market manipulation prevention. To detect and investigate conduct that may constitute market manipulation, front-running, or other misuse of the Service in breach of the Featured Trader agreement or applicable securities law.
• Communication and account management. To contact the Featured Trader regarding their account, Verification requests, content updates, agreement renewals, and any matters arising under the Featured Trader agreement.
• Complying with applicable law and responding to lawful requests from public authorities. Compliance with legal obligations.

Where we rely on consent, you may withdraw it at any time by updating your account settings or contacting us. Withdrawing consent does not affect the lawfulness of processing carried out before the withdrawal, and may mean we can no longer provide some or all of the service to you.

Who we share it with. Your application information is shared with our Subprocessors as identified in our Privacy Policy. We do not sell your personal information to third parties.

How long we keep it. Your personal information is retained in accordance with the retention periods set out in our Privacy Policy, as attached to these Terms and Schedule “A” hereto. You may request access to, correction of, or deletion of your personal information by contacting us as set out below.

Our collection, use, and disclosure of your personal information is governed by applicable Canadian privacy legislation, including without limitation, the Personal Information Protection Act (Alberta), the Personal Information Protection Act (British Columbia), and the Personal Information Protection and Electronic Documents Act (Canada), as applicable. For full details, please refer to our Privacy Policy.

6. DISCLAIMERS

The Service is provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, or statutory. To the fullest extent permitted by law, Invest Check disclaims all warranties, including any implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, timeliness, and uninterrupted or error-free operation.

Invest Check does not guarantee that any trade record published on the Service is complete or free from error, that the Service will be available at any particular time, or that any technical or computed figure displayed on the Service is accurate. You assume all risk arising from your use of the Service.

Invest Check does not warrant that the Service will be uninterrupted, error-free, or free from technical issues. Invest Check is not responsible for delays, errors, or failures caused by internet connectivity, device compatibility, or third-party services outside its control.

BY USING THE SERVICE, YOU EXPRESSLY AGREE AND ACKNOWLEDGE THE FOLLOWING:

INVEST CHECK IS A FINANCIAL PUBLISHER. INVEST CHECK IS NOT A REGISTERED INVESTMENT DEALER, REGISTERED ADVISER, EXEMPT-MARKET DEALER, PORTFOLIO MANAGER, INVESTMENT FUND MANAGER, FINANCIAL PLANNER, OR BROKER-DEALER UNDER THE LAWS OF ANY PROVINCE, TERRITORY, STATE, OR COUNTRY, AND IS NOT REGISTERED WITH THE ALBERTA SECURITIES COMMISSION, ANY OTHER MEMBER OF THE CANADIAN SECURITIES ADMINISTRATORS, THE U.S. SECURITIES AND EXCHANGE COMMISSION, FINRA, OR ANY EQUIVALENT BODY.

No Featured Trader appearing on the Service is acting in a registered capacity through the Service. The fact that a Featured Trader may hold, or may have held, registrations, designations, or licences in any jurisdiction does not mean that they are acting in that capacity on the Service, and nothing published by or about a Featured Trader on the Service should be read as advice given in a registered or professional capacity. Invest Check has not verified the current registration status of any Featured Trader and makes no representation in that regard.

ALL CONTENT ON THE SERVICE — INCLUDING TRADER CONTENT, STATISTICS, CHARTS, COMMENTARY, SIMULATOR OUTPUT, AND THE DAILY TRADE DIGEST — IS PROVIDED FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY AND IS NOT INDIVIDUALIZED ADVICE. WE DO NOT KNOW YOUR INVESTMENT OBJECTIVES, FINANCIAL SITUATION, RISK TOLERANCE, OR NEEDS, AND NO INFORMATION ON THE SERVICE TAKES THESE INTO ACCOUNT. NOTHING ON THE SERVICE CONSTITUTES, OR IS INTENDED TO BE:

• AN OFFER OR SOLICITATION TO BUY OR SELL ANY SECURITY, DERIVATIVE, FUTURES CONTRACT, OR OTHER FINANCIAL INSTRUMENT;
• A RECOMMENDATION, ENDORSEMENT, OR OPINION THAT ANY PARTICULAR INSTRUMENT, FINANCIAL PRODUCT, INFORMATION, INVESTMENT, STRATEGY, OR TRANSACTION IS SUITABLE FOR ANY PARTICULAR PERSON;
• INVESTMENT, TRADING, LEGAL, TAX, ACCOUNTING, OR OTHER PROFESSIONAL ADVICE;
• A REPRESENTATION THAT ANY PARTICULAR FEATURED TRADER'S HISTORICAL RESULTS CAN BE REPLICATED; OR
• THE ESTABLISHMENT OF AN ADVISOR, BROKER, DEALER, FIDUCIARY, OR ANY OTHER RELATIONSHIP BETWEEN YOU AND INVEST CHECK OR BETWEEN YOU AND ANY FEATURED TRADER.

The fact that a trade has been labelled "Verified" does not make it a recommendation. Verification confirms only that the entry price, exit price, quantity, and dates as published match a source document reviewed by Invest Check; it says nothing about whether that trade, or any trade like it, is appropriate for you or anyone else. A Verified trade is historical information, not a signal, suggestion, or endorsement.

For greater certainty, the term “Verified” and any “Verification” procedures Invest Check undertakes is based solely on the information available to Invest Check at the time of review and is subject to the following limitations: (i) Invest Check relies on the accuracy, completeness, and authenticity of the login credentials and account access provided by the Featured Trader, and Invest Check makes no independent confirmation that the account accessed is the Featured Trader's sole or primary trading account, or that all trades in that account have been disclosed; (ii) Invest Check relies on the accuracy and completeness of the brokerage statements, trade confirmations, or equivalent source documents provided by or on behalf of the Featured Trader, and Invest Check does not independently audit, authenticate, or verify those documents and assumes no liability for documents that are inaccurate, incomplete, altered, or fraudulent; and (iii) Invest Check relies on the accuracy of the trade data and reporting generated by the Featured Trader's brokerage or custodian, and Invest Check is not responsible for errors, omissions, or misstatements originating from the brokerage's own systems, reports, or records. A "Verified" label is not a guarantee of accuracy and does not constitute an audit, endorsement, or certification of any kind.

The fact that you can observe a Featured Trader's trades in near real-time through a Subscription does not create an advisory relationship between you and Invest Check or between you and the Featured Trader. You are purchasing access to information about what a third party did with their own money, in their own account, for their own reasons, which are unknown to you. That information is not tailored to your circumstances in any way.

No information on the Service, including trade records, strategy descriptions, the daily trade digest, commentary, statistics, or Simulator output, takes into account your investment objectives, financial situation, risk tolerance, time horizon, tax position, liquidity needs, or any other personal circumstance. If you need advice that accounts for your personal circumstances, you must consult a registered investment adviser, portfolio manager, or other appropriately licensed professional in your jurisdiction.

YOU ARE SOLELY RESPONSIBLE FOR ANY INVESTMENT, TRADING, OR FINANCIAL DECISION YOU MAKE. BEFORE ACTING ON ANYTHING YOU SEE ON THE SERVICE YOU SHOULD CONDUCT YOUR OWN RESEARCH AND CONSULT AN APPROPRIATELY LICENSED PROFESSIONAL IN YOUR JURISDICTION.

PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. TRADING AND INVESTING INVOLVE SUBSTANTIAL RISK, INCLUDING THE RISK OF TOTAL LOSS OF CAPITAL. LEVERAGED PRODUCTS SUCH AS OPTIONS, FUTURES, AND PROP-FIRM ACCOUNTS CAN RESULT IN LOSSES THAT EXCEED THE AMOUNT INITIALLY DEPOSITED. DO NOT INVEST MONEY YOU CANNOT AFFORD TO LOSE.

Featured Trader conduct outside the Service. Featured Traders may operate their own websites, social media accounts, newsletters, communities, or other channels that are independent of Invest Check. Invest Check does not monitor, endorse, or take responsibility for anything a Featured Trader says or does outside the Service, including on any external channel. If a Featured Trader makes statements outside the Service that could be characterized as investment advice, whether directed at you personally or at a general audience, those statements are made solely by the Featured Trader in their personal capacity and have no connection to Invest Check or the Service.

No Featured Trader is authorized to give you advice on behalf of Invest Check. If any Featured Trader, whether through the Service or through any external channel, purports to give you personalized investment advice, recommends that you buy or sell a specific security in light of your personal circumstances, or holds themselves out as your adviser, that conduct is expressly prohibited by their agreement with Invest Check and should be reported to Invest Check. You should not act on any such communication and Invest Check accepts no responsibility for any loss arising from it.

Featured Traders act for their own account. Each Featured Trader trades their own money, for their own reasons, based on their own analysis and risk tolerance. Their trades are published on the Service after the fact as a matter of historical record. A Featured Trader's decision to enter or exit a trade is not, and should not be treated as, a recommendation that you do the same. The Featured Trader does not know your financial circumstances, and you do not know theirs.

Conflicts of interest. Featured Traders may hold positions in the securities they publish on the Service at the time of publication. A Featured Trader who holds a long position in a security has a financial interest in others buying that security, which may affect the timing or content of what they publish. You should assume that a Featured Trader may benefit financially from any increase in attention directed to the securities in which they hold positions.

By purchasing a Subscription or Snapshot, you separately and specifically acknowledge that:

• you have read and understood this Section 6 in its entirety;
• you are not relying on the Service, any Featured Trader, or any content on the Service as investment advice or as a substitute for advice from a registered professional;
• you understand that Featured Traders are not your advisers and owe you no duty of care in connection with their trading activity or anything published on the Service;
• you understand that the "Verified" label is a limited confirmation of historical data accuracy only and is not a recommendation or guarantee of any kind;
• you are making any investment or trading decision based solely on your own independent judgment and, where appropriate, the advice of a licensed professional; and
• you assume all risk of loss arising from any decision you make in connection with information obtained through the Service.

7. HYPOTHETICAL AND SIMULATED RETURNS

WHERE THE SERVICE DISPLAYS SIMULATOR OUTPUT, FOLLOW-ALONG PERFORMANCE FIGURES, MODELLED RETURNS, OR ANY RETURN FIGURE NOT SOURCED DIRECTLY FROM A VERIFIED LIVE TRADE, THOSE FIGURES ARE HYPOTHETICAL, BACK-TESTED RESULTS. THE FOLLOWING DISCLOSURE APPLIES TO ALL SUCH FIGURES AND IS REPEATED, IN SUBSTANTIALLY THE SAME FORM, ON EVERY SURFACE OF THE SERVICE THAT DISPLAYS THEM:

HYPOTHETICAL PERFORMANCE RESULTS HAVE MANY INHERENT LIMITATIONS, SOME OF WHICH ARE DESCRIBED BELOW. NO REPRESENTATION IS BEING MADE THAT ANY ACCOUNT WILL OR IS LIKELY TO ACHIEVE PROFITS OR LOSSES SIMILAR TO THOSE SHOWN. IN FACT, THERE ARE FREQUENTLY SHARP DIFFERENCES BETWEEN HYPOTHETICAL PERFORMANCE RESULTS AND THE ACTUAL RESULTS SUBSEQUENTLY ACHIEVED BY ANY PARTICULAR TRADING PROGRAM. ONE OF THE LIMITATIONS OF HYPOTHETICAL PERFORMANCE RESULTS IS THAT THEY ARE GENERALLY PREPARED WITH THE BENEFIT OF HINDSIGHT. IN ADDITION, HYPOTHETICAL TRADING DOES NOT INVOLVE FINANCIAL RISK, AND NO HYPOTHETICAL TRADING RECORD CAN COMPLETELY ACCOUNT FOR THE IMPACT OF FINANCIAL RISK IN ACTUAL TRADING. FOR EXAMPLE, THE ABILITY TO WITHSTAND LOSSES OR TO ADHERE TO A PARTICULAR TRADING PROGRAM IN SPITE OF TRADING LOSSES ARE MATERIAL POINTS WHICH CAN ALSO ADVERSELY AFFECT ACTUAL TRADING RESULTS. THERE ARE NUMEROUS OTHER FACTORS RELATED TO THE MARKETS IN GENERAL OR TO THE IMPLEMENTATION OF ANY SPECIFIC TRADING PROGRAM WHICH CANNOT BE FULLY ACCOUNTED FOR IN THE PREPARATION OF HYPOTHETICAL PERFORMANCE RESULTS AND ALL OF WHICH CAN ADVERSELY AFFECT ACTUAL TRADING RESULTS.

IN ADDITION, SIMULATOR OUTPUT ASSUMES AN IDEALIZED SCENARIO IN WHICH A USER ENTERS AND EXITS EVERY TRADE AT EXACTLY THE TIME AND PRICE SHOWN FOR THE FEATURED TRADER, WITH FULL PORTFOLIO ALLOCATION, WITH NO SLIPPAGE, NO COMMISSIONS, NO FEES, NO TAXES, NO MARGIN, NO POSITION-SIZING CONSTRAINTS, AND NO OVERLAP BETWEEN CONCURRENTLY OPEN POSITIONS. HYPOTHETICAL RESULTS DO NOT REPRESENT RESULTS ANY ACTUAL INVESTOR ACHIEVED OR COULD HAVE ACHIEVED, AND THEY MUST NOT BE RELIED UPON WHEN MAKING ANY INVESTMENT DECISION.

8. Pricing, billing, and renewal

Prices for Snapshots, Subscriptions, and bundles are displayed in United States dollars at the point of purchase. Applicable taxes (including, where required, GST/HST) may be added at checkout. Payments are processed by Stripe, Inc.; by purchasing, you also agree to Stripe's applicable terms.

Subscriptions automatically renew at the end of each billing period until you cancel. You may cancel at any time from your account; cancellation stops further renewals and your access continues through the end of the period you have already paid for. Failed payments may result in suspension of access in accordance with Stripe's standard dunning behaviour.

We may change pricing for the Service from time to time. Any change to the price of an existing Subscription will be communicated at least thirty (30) days in advance and will take effect at the next renewal, giving you the opportunity to cancel before the new price applies.

9. Refunds

All applicable statutory cancellation and refund rights under applicable consumer protection legislation are preserved and nothing in these Terms limits those rights as prescribed.

All sales are final. Because the Service delivers digital content that is accessible immediately, can be viewed and exported on first access, and cannot be returned, all purchases — including Snapshots, Subscriptions, bundles, and renewals — are non-refundable, subject to any applicable laws.

Trader-removal pro-rata refund. If a Featured Trader is removed from the Service within ninety (90) days after you purchase a Snapshot of that trader's history, you may, by contacting legal@investcheck.com within thirty (30) days of the removal, request a refund of the Snapshot price pro-rated against the ninety-day window (so that, for example, a removal thirty (30) days after purchase would entitle you to a refund of two-thirds of what you paid). For active Subscriptions affected by trader removal, your access to the removed trader will end, no further charges will apply for that trader, and any prepaid but unused portion of the period will be credited or refunded.

If you believe a purchase was charged to you in error or that a published trade record contains a factual error, contact legal@investcheck.com and we will investigate in good faith.

To the fullest extent permitted by applicable law, the refund rights set out in this Section 9 constitute your sole and exclusive remedy against Invest Check arising out of or relating to any defect, error, inaccuracy, interruption, suspension, removal, or unavailability of the Service or any content on it, including without limitation any Trader Content, Verified trade record, Simulator output, or daily trade digest, regardless of the form of action, whether in contract, tort (including negligence), strict liability, statute, or otherwise, and whether or not Invest Check has been advised of the possibility of such loss or damage. Nothing in this Section 9 limits or excludes any liability that cannot be limited or excluded under applicable law.

10. Conflicts of interest and compensation

As of the date of these Terms, Invest Check does not pay Featured Traders to be listed on the Service, and Featured Traders do not pay Invest Check to be listed. Invest Check's revenue comes solely from the Snapshots and Subscriptions purchased by users of the Service. If that ever changes, we will disclose the arrangement on the affected trader's profile and update these Terms and our Privacy Policy.

Featured Traders may, from time to time, hold positions in the securities or instruments they trade on the Service. Featured Traders are contractually prohibited from using the Service to artificially influence the price of any thinly-traded security or to engage in any conduct that would be a market-manipulation offence under applicable securities law.

11. Trader Content

Featured Traders contribute Trader Content under separate written agreements with Invest Check. Each Featured Trader represents to us that they own or have the right to share the Trader Content they provide and that we are authorized to publish it on the Service.

Trader Content is licensed to you, when you purchase a Snapshot or Subscription, on a personal, non-exclusive, non-transferable, non-sublicensable, revocable basis, solely for your own informational use through the Service. Without our prior written consent you may not:

• copy, reproduce, republish, redistribute, reverse engineer, or display Trader Content outside the Service;
• use the Service for any unlawful purpose;
• attempt to access, tamper with, or disrupt any part of the Service or its underlying systems;
• submit another person's information without their express authorization; compile, scrape, mirror, or otherwise create a derivative dataset from Trader Content;
• share, rent, sell, or sublicense your account, or your access to Trader Content, with anyone else;
• use Trader Content to train, fine-tune, or evaluate any machine-learning model, large language model, or similar system; or
• use Trader Content in any way that is misleading or that suggests an endorsement by, or relationship with, the trader or Invest Check that does not exist.

Featured Traders may withdraw their consent to publication at any time. Section 9 governs refund eligibility if a Featured Trader is removed from the Service after you have purchased.

12. Acceptable use

You agree not to:

• violate any applicable law or regulation, including securities, anti-spam, export-control, or consumer-protection law;
• attempt to interfere with, disrupt, or compromise the security, integrity, or availability of the Service, or attempt to gain unauthorized access to any portion of it;
• probe, scan, or test the vulnerability of the Service without our prior written consent;
• use any automated means (bots, scrapers, crawlers, headless browsers) to access, monitor, or copy any part of the Service other than the public marketing pages;
• circumvent or attempt to circumvent any access control, paywall, or rate limit;
• impersonate any person or entity, or misrepresent your affiliation with any person or entity;
• use the Service to harass, defraud, or otherwise harm others; or
• use the Service in any way prohibited by these Terms.

13. Intellectual property

The Service, including its software, design, text (other than Trader Content), graphics, logos, and trademarks, is owned by Invest Check or its licensors and is protected by copyright, trademark, and other intellectual-property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to access and use the Service in accordance with these Terms. All rights not expressly granted are reserved.

"Invest Check" and the Invest Check logo are trademarks of InvestCheck Inc. and InvestCheck LLC. You may not use them without our prior written consent.

14. Copyright complaints

Invest Check respects intellectual property rights and expects users and Featured Traders to do the same. If you believe that material on the Service infringes your copyright, please send a written notice to legal@investcheck.com in accordance with the applicable procedure below.

If you are asserting rights under Canadian copyright law, your notice must comply with section 41.25 of the Copyright Act, RSC 1985, c C-42, and must include:

• your name and address;
• the work or other subject-matter that is alleged to have been infringed;
• your interest or right in respect of that work;
• the location data (such as a URL) for the electronic location to which the alleged infringement relates;
• the alleged infringement and the date and time of its alleged commission; and
• your signature (electronic or otherwise) and contact information.

On receipt of a notice that meets these requirements, Invest Check will, in accordance with the "notice and notice" regime in sections 41.25 and 41.26 of the Copyright Act, forward the notice as soon as feasible to the relevant party where applicable, and retain related records for the period required by law.

Notices that demand or solicit payment, settlement, or other consideration from the alleged infringer, or that include any other element prohibited by section 41.25(3) of the Copyright Act, are not valid notices and will not be forwarded.

If you are asserting rights under United States copyright law, your notice must comply with the requirements of the Digital Millennium Copyright Act, 17 U.S.C. § 512 ("DMCA"), and must be submitted in writing to Invest Check's designated agent at legal@investcheck.com. A valid DMCA takedown notice must include all of the following:

• a physical or electronic signature of a person authorized to act on behalf of the owner of the exclusive right alleged to have been infringed;
• identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of such works;
• identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, with information reasonably sufficient to permit Invest Check to locate the material, including the URL or other specific location on the Service;
• information reasonably sufficient to permit Invest Check to contact you, including your name, address, telephone number, and email address;
• a statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or applicable law; and
• a statement that the information in the notification is accurate, and made under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

On receipt of a notice that substantially complies with these requirements, Invest Check will act expeditiously to remove or disable access to the allegedly infringing material in accordance with 17 U.S.C. § 512(c).

If you believe that material you posted was removed or disabled as a result of mistake or misidentification, you may submit a counter-notification to legal@investcheck.com. A valid counter-notification under 17 U.S.C. § 512(g) must include:

• your physical or electronic signature;
• identification of the material that has been removed or disabled and the location at which the material appeared before it was removed or access to it was disabled;
• a statement under penalty of perjury that you have a good faith belief that the material was removed or disabled as a result of mistake or misidentification; and
• your name, address, and telephone number, and a statement that you consent to the jurisdiction of the Federal District Court for the judicial district in which your address is located, or, if your address is outside the United States, for any judicial district in which Invest Check may be found, and that you will accept service of process from the person who provided the original notification or an agent of that person.

On receipt of a valid counter-notification, Invest Check will promptly provide a copy to the original complainant and will restore the removed or disabled material within ten (10) to fourteen (14) business days following receipt of the counter-notification, unless Invest Check's designated agent first receives notice that the original complainant has filed an action seeking a court order to restrain the allegedly infringing activity.

Repeat infringers. In accordance with 17 U.S.C. § 512(i), Invest Check maintains a policy of terminating, in appropriate circumstances, the accounts of users or Featured Traders who are repeat infringers of intellectual property rights.

Please note that under 17 U.S.C. § 512(f), any person who knowingly materially misrepresents that material is infringing, or that material was removed or disabled by mistake or misidentification, may be subject to liability for damages, including costs and attorneys' fees.

15. Termination

You may stop using the Service at any time and may delete your account from your account settings or by contacting us. We may suspend or terminate your access to the Service, with or without notice, if we reasonably believe you have breached these Terms, if your use creates risk for Invest Check or for other users, or if we are required to do so by law.

On termination, your licence to use the Service ends immediately, but the provisions of these Terms that by their nature should survive — including, without limitation, sections 6 (Disclaimers), 7 (Hypothetical results), 9 (Refunds), 11 (Trader Content), 13 (Intellectual property), 16 (Limitation of liability), 17 (Indemnification), and 20 (Governing law and disputes) — will continue to apply.

16. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL INVEST CHECK, ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, OR LICENSORS BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING ANY LOSS OF PROFITS, LOST TRADING OR INVESTMENT GAINS, LOST DATA, LOSS OF OPPORTUNITY, OR LOSS OF GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE SERVICE, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND EVEN IF INVEST CHECK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

NOTHING IN THESE TERMS LIMITS OR EXCLUDES ANY RIGHT OR REMEDY YOU MAY HAVE UNDER APPLICABLE CONSUMER PROTECTION LEGISLATION THAT CANNOT BE WAIVED OR EXCLUDED BY AGREEMENT, INCLUDING (WITHOUT LIMITATION) RIGHTS AVAILABLE UNDER THE CONSUMER PROTECTION ACT, 2002 (ONTARIO), THE BUSINESS PRACTICES AND CONSUMER PROTECTION ACT (BRITISH COLUMBIA), QUEBEC'S CONSUMER PROTECTION ACT (LPCQ), FAIR TRADING ACT, RSA 2000, C F-2, OR EQUIVALENT LEGISLATION IN OTHER CANADIAN PROVINCES, AND THE FEDERAL CONSUMER PROTECTION ACT (CANADA); AND, TO THE EXTENT YOU ACCESS THE SERVICE FROM THE UNITED STATES, RIGHTS AVAILABLE UNDER: THE FEDERAL TRADE COMMISSION ACT, 15 U.S.C. § 45, PROHIBITING UNFAIR OR DECEPTIVE ACTS OR PRACTICES IN COMMERCE AND ENFORCED BY THE FEDERAL TRADE COMMISSION; APPLICABLE STATE CONSUMER PROTECTION STATUTES, INCLUDING WITHOUT LIMITATION THE CALIFORNIA CONSUMERS LEGAL REMEDIES ACT, CAL. CIV. CODE § 1750 ET SEQ., THE CALIFORNIA UNFAIR COMPETITION LAW, CAL. BUS. & PROF. CODE § 17200 ET SEQ., THE NEW YORK CONSUMER PROTECTION FROM DECEPTIVE ACTS AND PRACTICES LAW, N.Y. GEN. BUS. LAW § 349, THE TEXAS DECEPTIVE TRADE PRACTICES–CONSUMER PROTECTION ACT, TEX. BUS. & COM. CODE § 17.41 ET SEQ., AND THE FLORIDA UNFAIR AND DECEPTIVE TRADE PRACTICES ACT, FLA. STAT. § 501.201 ET SEQ.; AND ANY OTHER MANDATORY CONSUMER PROTECTION LAW OF THE US STATE IN WHICH YOU RESIDE THAT CANNOT BE DISPLACED BY CONTRACT. TO THE EXTENT ANY PROVISION OF THESE TERMS CONFLICTS WITH A MANDATORY CONSUMER PROTECTION RIGHT, THAT RIGHT PREVAILS TO THE EXTENT OF THE CONFLICT.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE AGGREGATE LIABILITY OF INVEST CHECK FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF A.) THE TOTAL AMOUNT YOU PAID TO INVEST CHECK IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM OR B.) FIFTY CANADIAN DOLLARS ($50 CAD). THIS LIMITATION APPLIES PER CLAIM AND IN THE AGGREGATE

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES; IN THOSE JURISDICTIONS OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

17. Indemnification

YOU AGREE TO INDEMNIFY AND HOLD HARMLESS INVEST CHECK, ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AND LICENSORS FROM AND AGAINST ANY CLAIM, DEMAND, LOSS, LIABILITY, DAMAGE, COST OR EXPENSE (INCLUDING REASONABLE LEGAL FEES) ARISING OUT OF OR RELATING TO: YOUR BREACH OF THESE TERMS; YOUR MISUSE OF THE SERVICE; ANY CONTENT YOU SUBMIT TO OR THROUGH THE SERVICE; OR YOUR VIOLATION OF ANY APPLICABLE LAW OR THIRD-PARTY RIGHT.

18. Changes to the Service

We may add, remove, or change features of the Service at any time. We may also impose limits on certain features or restrict access to parts of the Service without notice or liability. Where a change materially reduces a paid feature you are actively subscribed to, we will give reasonable advance notice and, where possible, an opportunity to cancel before the change takes effect.

19. Changes to these Terms

We may update these Terms from time to time. The "Last updated" date at the top of the page reflects the most recent revision. Material changes will be communicated in advance — for example, by email or by an in-product notice — and will take effect on the date specified in that communication. Updated Terms will be presented to you for acceptance the next time you use the Service following the update. Continued use of the Service after the effective date constitutes your acceptance of the updated Terms.

20. Governing law and disputes

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the Province of Alberta and the federal laws of Canada applicable in Alberta, without regard to conflict-of-laws principles, except to the extent that mandatory consumer protection legislation of the province or country in which you reside applies and cannot be displaced by a choice of law.

Subject to the following paragraph, you and Invest Check irrevocably submit to the exclusive jurisdiction of the courts of the Province of Alberta in respect of any such dispute.

Where the law of your habitual residence grants you mandatory consumer-protection rights that cannot be derogated from by contract, nothing in this section limits those rights, and you may bring proceedings in the courts of that jurisdiction to the extent that mandatory law so requires.

21. Electronic Records and Signatures

By using the Service, you consent to the use of electronic records and electronic signatures. Any electronic signature you provide through the Service has the same legal force and effect as a handwritten signature and constitutes a valid, binding signature under applicable Canadian or United States electronic transactions legislation, except where applicable law expressly requires a handwritten signature for a particular document or transaction.

22. General

Entire agreement. These Terms, together with the Privacy Policy, form the entire agreement between you and Invest Check concerning the Service.

Severability. If any provision of these Terms is held to be unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will continue in full force and effect.

No waiver. Our failure to enforce any provision of these Terms is not a waiver of that provision.

Assignment. You may not assign or transfer these Terms or any rights under them without our prior written consent. We may assign these Terms to an affiliate or in connection with a merger, acquisition, or sale of assets.

Notices. We may give notices to you by email, by an in-product message, or by posting on the Service. You should give notices to us at the email address in section 24.

No third-party beneficiaries. These Terms do not create any third-party beneficiary rights, except in favour of Featured Traders to the extent expressly stated.

24. Contact

If you have questions about these Terms, wish to access or correct your personal information, or have a complaint about how your information has been handled, please contact us at:

Invest Check Inc.
Attn: Legal
Email: legal@investcheck.com