Moving Markets – Website Terms and Conditions

1. Acceptance of Terms

These terms and conditions (the “Terms”) govern your access to and use of the Moving Markets website and any content, publications, newsletters, podcasts, videos, tools, or other materials made available by Moving Markets (collectively, the “Site”). By accessing or using the Site, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must immediately cease all use of the Site.

2. Operator Information

The Site is operated by Moving Markets with a registered office at 106 W 32nd St, New York, NY 10001. Moving Markets is registered in the commercial register of the State of Delaware. Moving Markets is not authorised or regulated by the U.S. Securities and Exchange Commission (SEC) or any other securities or financial services regulator.

3. Local Access Restrictions

The information and services made available on the Site (the “Content”) are not directed at, and may not be used by, any person in any jurisdiction where, by reason of that person’s nationality, place of residence, domicile, or otherwise, access to or use of the Site is prohibited or restricted by law. Any person subject to such prohibitions or restrictions must not access or use the Site.

Availability of particular Content may be restricted in certain jurisdictions based on nationality, residence, regulatory status, or other criteria. You are solely responsible for determining whether there are any legal or regulatory restrictions applicable to you before accessing the Site or acting on any Content, and you should consult your own professional adviser in that regard.

4. Intellectual Property Rights

All trademarks, service marks, logos, and trade names displayed on the Site, including those of Moving Markets, are protected by applicable intellectual property laws. All Content on the Site (including text, graphics, logos, icons, images, video, audio, code, and editorial content) is protected by copyright and related rights. All third‑party copyrights and trademarks are reserved to their respective owners.

You may not copy, reproduce, modify, publish, distribute, transmit, display, sell, license, reverse‑engineer, create derivative works from, or otherwise exploit any part of the Site or the Content, in any form and by any means, without the prior written consent of Moving Markets or the relevant rights holder, except to the limited extent expressly permitted by mandatory law.

Linking to the Site via hypertext, deep linking, framing, inline linking, scraping, automated data collection, or similar technology is prohibited without the prior written consent of Moving Markets. Any use of the Site or Content for advertising, marketing, data aggregation, training of AI models, or other commercial purposes is strictly prohibited without Moving Markets’ prior written consent.

5. Licence and Acceptable Use

Subject to your strict compliance with these Terms, Moving Markets grants you a limited, revocable, non‑exclusive, non‑transferable, non‑sublicensable licence to access and use the Site for your own personal, non‑commercial use.

You must not:

  • use the Site or Content for any unlawful purpose or in breach of any applicable law or regulation;

  • reproduce, distribute, or make available any substantial part of the Content to third parties, whether free or for consideration;

  • use any robot, spider, scraper, crawler, or other automated means to access, monitor, copy, or extract data from the Site;

  • interfere with or disrupt the operation or security of the Site or attempt to gain unauthorised access to any systems, networks, or data;

  • impersonate any person or entity, or misrepresent your affiliation with any person or entity; or

  • use the Site in any manner that could damage Moving Markets’ reputation, business, or relationships.

Moving Markets may, in its sole discretion and without notice, suspend, restrict, or terminate your access to the Site for any actual or suspected breach of these Terms.

6. No Offer, Solicitation, or Recommendation

The Content is provided solely for general information and journalistic purposes and does not constitute, and must not be construed as:

  • an offer or solicitation to buy, sell, subscribe for, or otherwise transact in any security, financial instrument, or investment product;

  • investment, financial, portfolio management, or other professional advice; or

  • a personal recommendation or suitability assessment.

Access to certain Content or services may be conditional upon your confirmation that you are a high‑net‑worth individual, an accredited investor, or a self‑certified sophisticated investor (each as defined under applicable law or guidance). You must truthfully self‑certify your status via the relevant page or form on the Site and must not access or rely on Restricted Content if you do not meet the applicable criteria.

Many of the investments and products discussed may involve a high degree of risk and may not be suitable for all investors. You are solely responsible for obtaining independent professional advice from a qualified financial adviser who can assess your personal circumstances, objectives, and risk tolerance. Past performance is not a reliable indicator of current or future results. The value of investments and income from them may go down as well as up, and you may lose all or a substantial part of your capital. Exchange‑rate movements may further increase or decrease investment values.

7. Editorial Independence and No Endorsement

Moving Markets is a news and information publisher. Any opinions, commentary, forecasts, price targets, ratings, or views expressed in the Content reflect the authors’ or contributors’ views at the time of writing and are subject to change without notice.

References to specific securities, issuers, products, services, indices, or markets are made purely for informational and journalistic purposes and do not constitute endorsement, sponsorship, or approval by Moving Markets. Moving Markets does not assume any responsibility to update, revise, or correct any Content, including in light of new information, events, or regulatory changes.

8. Conflicts of Interest and Disclosures

Authors, contributors, editors, or other persons associated with Moving Markets may, from time to time, have financial interests in, or relationships with, the securities, issuers, products, or services discussed in the Content. Where required by law or regulation, Moving Markets will endeavour to include appropriate disclosures within or alongside the relevant Content.

Nothing in this section creates any fiduciary duty or advisory relationship between you and Moving Markets. You agree that you remain solely responsible for your own investment decisions and for verifying any information before relying on it.

9. User‑Generated Content and Comments

If the Site allows you to post comments, reviews, messages, or other content (collectively, “User Content”), the following will apply:

  • You remain responsible for, and retain any rights in, your User Content, but you grant Moving Markets a worldwide, perpetual, irrevocable, royalty‑free, transferable, and sublicensable licence to use, reproduce, modify, adapt, publish, translate, distribute, display, and perform such User Content in any media now known or later developed, for any purpose related to the Site and Moving Markets’ business.

  • You warrant that your User Content is lawful, accurate, not misleading, and does not infringe any third‑party rights, including intellectual property, privacy, or personality rights.

  • You must not post any User Content that is defamatory, obscene, abusive, hateful, discriminatory, promotional of illegal activity, or otherwise objectionable, as determined by Moving Markets in its sole discretion.

Moving Markets has no obligation to monitor User Content but reserves the right, at any time and without notice, to remove, edit, or disable access to any User Content and to suspend or terminate your access to the Site.

10. No Legal, Accounting, or Tax Advice

Moving Markets is not a law firm, accounting firm, or tax advisory firm. Nothing on the Site should be interpreted as legal, accounting, or tax advice. Any information concerning laws, regulations, or tax treatment is provided on a generic, informational basis only, may be incomplete or out of date, and may not be applicable to your particular situation. You should always consult an appropriately qualified lawyer, accountant, or tax adviser before making any decision that may have legal, accounting, or tax consequences.

11. Information Accuracy and Changes

Moving Markets uses reasonable care to source information it believes to be reliable and to provide Content in good faith, but Moving Markets makes no representation, warranty, or guarantee (express or implied) as to:

  • the accuracy, completeness, timeliness, or reliability of the Content; or

  • the results to be obtained from the use of the Site or the Content.

Any decision you make based on the Content is made at your sole risk. Moving Markets accepts no responsibility or liability for any loss or damage suffered as a result of reliance on, or use of, the Site or Content.

Moving Markets may, at any time and without prior notice, update, modify, suspend, or discontinue all or any part of the Site or the Content. You are responsible for checking these Terms regularly. Your continued use of the Site after any changes take effect constitutes your acceptance of the updated Terms.

12. Investment Performance

Past or simulated performance described on the Site is not a guarantee, promise, or indication of future performance. The value of any investment may increase or decrease, and you may not recover the amount of your original investment. Investments discussed on the Site may be illiquid, speculative, or subject to substantial risk. Fluctuations in currency exchange rates may also adversely or positively affect the value of investments denominated in a foreign currency.

13. No Warranty; Limitation of Liability

The Site and all Content are provided on an “as is” and “as available” basis. To the maximum extent permitted by law, Moving Markets and its officers, directors, employees, shareholders, affiliates, and third‑party information providers disclaim all warranties, representations, and conditions of any kind, whether express, implied, statutory, or otherwise, including any implied warranties of accuracy, fitness for a particular purpose, merchantability, non‑infringement, or availability.

To the maximum extent permitted by applicable law, Moving Markets and its officers, directors, employees, shareholders, affiliates, and third‑party information providers shall not be liable for any direct, indirect, incidental, special, consequential, punitive, or exemplary loss or damage, or for any loss of profit, revenue, opportunity, goodwill, or data, arising out of or in connection with:

  • your access to, use of, or inability to access or use the Site or the Content;

  • any technical error, system failure, malfunction, interruption, or delay (including for maintenance);

  • any transmission error, system overload, or incompatibility between the Site and your equipment, software, or browser;

  • any viruses, worms, malware, or other malicious code transmitted to your systems;

  • any unauthorised access, hacking, denial‑of‑service attack, or other interference with telecommunications networks; or

  • any act or omission of network, telecommunications, or other service providers.

Where liability cannot be excluded under applicable law, Moving Markets’ total aggregate liability to you in respect of all claims arising out of or in connection with the Site and these Terms shall, to the fullest extent permitted by law, be limited to the greater of (i) the amount you paid (if any) for access to the Site in the twelve (12) months preceding the event giving rise to the claim, or (ii) one hundred U.S. dollars (USD 100).

14. Indemnification

You (the “Indemnitor”) agree to indemnify, defend, and hold harmless Moving Markets and their respective affiliates, directors, officers, employees, and agents (each an “Indemnitee”) from and against any and all claims, demands, actions, proceedings, losses, damages, liabilities, penalties, costs, and expenses (including reasonable legal and professional fees) arising out of or in connection with:

  • your breach of these Terms or of any applicable law or regulation;

  • your use of, or reliance on, the Site or the Content; or

  • any User Content or other content, data, or information submitted or transmitted by you through the Site.

15. Data Protection, GDPR, UK GDPR, and US Privacy Laws

15.1 Data Controller and Representatives

For users in the European Economic Area (EEA) and Switzerland, the data controller is Moving Markets and its relevant affiliates (together, “Moving Markets”).

For users in the United Kingdom, Moving Markets acts as controller under the UK GDPR and the Data Protection Act 2018 and may appoint a UK representative where required.

For users in the United States, Moving Markets processes personal information in accordance with applicable federal and state privacy laws, including the California Consumer Privacy Act as amended by the California Privacy Rights Act (together, “CCPA/CPRA”), where those laws apply.

Contact details for privacy‑related queries and data‑subject/consumer requests are provided on the Site and in our Privacy Policy.

15.2 Categories of Data We Process

Depending on how you use the Site, we may process:

  • Identification and contact data: name, title, employer, country, email address, telephone number, postal address.

  • Account and subscription data: username, password, subscription tier, preferences, access logs, investor‑status declarations.

  • Transaction data: products or services purchased, billing status, payment method details (processed via third‑party providers), invoices.

  • Technical and usage data: IP address, device identifiers, browser type, operating system, language, pages visited, clickstream, session duration, referral source, cookie IDs.

  • Communication and feedback data: messages you send us, customer‑support interactions, survey responses, complaints, and feedback.

  • Compliance and consent records: logs of consent/opt‑in/opt‑out, records of requests and our responses, evidence of investor self‑certification.

We do not intentionally collect special‑category data (e.g., health, religious beliefs) and ask you not to provide such data through the Site. If you do, you do so at your sole risk.

15.3 Purposes and Legal Bases (EU/UK)

Where the EU GDPR or UK GDPR applies, Moving Markets only processes personal data where we have a lawful basis, typically:

  • Contract performance: to register you, manage your account, provide access to the Site, subscriptions, newsletters, and paid services; to process payments and provide customer support.

  • Legal obligation: to comply with obligations under tax, accounting, sanctions, anti‑money‑laundering (where applicable), consumer law, and data‑protection law, and to respond to regulatory or law‑enforcement requests.

  • Legitimate interests: to secure and operate the Site; prevent fraud and abuse; protect our rights, reputation, and property; improve content, services, and user experience; perform limited analytics and audience segmentation; enforce these Terms and manage disputes. We perform a balancing test where required to ensure our interests are not overridden by your rights and freedoms.

  • Consent: where required, for example for:

    • non‑essential cookies and similar tracking technologies (including most analytics and advertising cookies);

    • certain direct marketing activities; and

    • optional profile information you choose to share.

Where we rely on consent, you may withdraw it at any time with future effect, without affecting the lawfulness of processing before withdrawal.

15.4 Cookies and Tracking

The Site uses:

  • strictly necessary cookies essential to operate the Site (e.g., security, authentication, load‑balancing) – used on the basis of our legitimate interests and not subject to consent; and

  • non‑essential cookies (e.g., analytics, performance, advertising) – used only where we have obtained your prior consent where required by GDPR, UK GDPR, or ePrivacy rules.

You can manage your cookie settings at any time via your browser and any cookie‑preference tool we make available. Disabling some cookies may impact Site functionality or performance.

15.5 Analytics

We may use analytics providers such as Google Analytics or comparable tools to help us understand how the Site is used and to improve our services. These tools typically collect IP address, device and browser identifiers, and usage data and use cookies or similar technologies.

Where EU/UK rules apply, we implement appropriate privacy safeguards (such as IP truncation and regional data controls where available) and only deploy analytics cookies with your prior consent through our cookie banner or preference centre.

15.6 Recipients and International Transfers

We may share personal data, on a need‑to‑know basis, with:

  • Moving Markets group entities;

  • IT, hosting, security, analytics, CRM, payment, and email‑service providers;

  • professional advisers (lawyers, tax advisers, auditors);

  • regulators, supervisory authorities (including the UK Information Commissioner’s Office (ICO) and relevant EU/EEA authorities), law‑enforcement bodies, and courts, where legally required or permitted;

  • potential buyers, investors, or counterparties and their advisers in connection with a merger, acquisition, restructuring, or similar transaction.

Some recipients may be located outside the EEA/UK, including in countries that may not provide the same level of data protection. In such cases, we implement appropriate safeguards as required by GDPR/UK GDPR (such as standard contractual clauses or reliance on adequacy regulations) to protect your personal data.

15.7 Retention

We retain personal data only for as long as necessary for the purposes described above, including to:

  • provide the Site and requested services;

  • satisfy legal, regulatory, tax, and accounting requirements;

  • resolve disputes and enforce our rights.

In general:

  • account, subscription, and transaction data are retained for the duration of your relationship with us and for the period required by applicable law;

  • technical and usage data are retained for a shorter period necessary for security, troubleshooting, and analytics, then aggregated or anonymised;

  • marketing‑related data is retained for as long as you remain subscribed and for a limited period thereafter to demonstrate compliance with marketing and consent rules.

When personal data is no longer required, we delete it or anonymise it so that it can no longer be associated with you.

15.8 EU/UK Data Subject Rights and ICO Reference

Where the EU GDPR or UK GDPR applies, you have the following rights, subject to legal conditions and limits:

  • Right of access: to obtain confirmation whether we process your personal data and to receive a copy.

  • Right to rectification: to have inaccurate or incomplete data corrected.

  • Right to erasure: to request deletion of personal data in certain circumstances (e.g., where it is no longer needed or you withdraw consent and no other legal basis applies).

  • Right to restriction: to request restriction of processing in specific situations (e.g., while we verify accuracy or assess an objection).

  • Right to data portability: to receive certain data you provided in a structured, commonly used, machine‑readable format and to transmit it to another controller where technically feasible.

  • Right to object:

    • at any time, to processing based on our legitimate interests, on grounds relating to your particular situation; and

    • at any time and without justification, to processing of your personal data for direct marketing, including profiling for such purposes.

  • Right not to be subject to automated decision‑making: you have the right not to be subject to decisions based solely on automated processing, including profiling, that produce legal effects or similarly significantly affect you, unless permitted by law with appropriate safeguards.

To exercise these rights, contact us using the details provided on the Site. We may need to request additional information to verify your identity. We aim to respond within one month of receiving a valid request, subject to any permitted extensions for complex or numerous requests.

You also have the right to lodge a complaint with your local data‑protection authority. In the UK, this is the Information Commissioner’s Office (ICO). We would appreciate the opportunity to resolve your concerns directly before you contact a supervisory authority.

15.9 California and CCPA/CPRA Rights (where applicable)

Where CCPA/CPRA applies, California residents have the following rights in relation to their “personal information” as defined by those laws:

  • Right to know: to request that we disclose the categories and specific pieces of personal information we have collected about you, the sources, business or commercial purposes, and categories of third parties to whom we disclose that information.

  • Right to delete: to request deletion of personal information we hold about you, subject to statutory exceptions (e.g., where necessary to complete transactions, detect security incidents, or comply with legal obligations).

  • Right to correct: to request that we correct inaccurate personal information we maintain about you.

  • Right to opt‑out of sale or sharing: to direct us not to “sell” or “share” your personal information (as those terms are defined in CCPA/CPRA). If we engage in such activities, we will provide a “Do Not Sell or Share My Personal Information” link or equivalent mechanism and will honour your choices, including via Global Privacy Control (GPC) signals where required.

  • Right to limit use and disclosure of sensitive personal information: where applicable, to request that we limit the use of such information to what is reasonably necessary to provide requested services.

  • Right to non‑discrimination: we will not discriminate against you for exercising any CCPA/CPRA rights, except as permitted where a difference is reasonably related to the value of the data.

To submit a CCPA/CPRA request, use the contact details or mechanisms described in our Privacy Policy. We may need to verify your identity (and, where relevant, your residency) before responding. You may also designate an authorised agent to make requests on your behalf, subject to verification.

15.10 Marketing Communications

Where permitted by law, we may send you newsletters, market updates, and other marketing communications about Moving Markets content, products, or services:

  • based on your consent (e.g., newsletter sign‑up forms); or

  • based on our legitimate interests in promoting similar services, where allowed and where you have not opted out.

You can opt out at any time by clicking the unsubscribe link in a message or by contacting us. Even if you opt out of marketing, we may still send you non‑marketing messages relating to your account, subscriptions, or transactions.

15.11 Children’s Privacy

The Site is intended for users aged 18 and over. Moving Markets does not knowingly collect personal data from children. If we become aware that we have collected personal data from a child, we will take reasonable steps to delete it. If you believe a child has provided us with personal data, please contact us.

15.12 Security

We implement appropriate technical and organisational measures designed to protect personal data against accidental or unlawful destruction, loss, alteration, unauthorised disclosure, or access. However, no transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials and for ensuring that any device used to access the Site is appropriately protected.

15.13 Updates to this Data‑Protection Section

We may update this data‑protection section and our Privacy Policy from time to time, for example to reflect legal, technical, or business developments. The most current version will be posted on the Site with an updated “last revised” date. Where required by law, we will provide additional notice of material changes and, if necessary, seek your consent.

16. Security of Communications

Transmission of data over the internet, including by email or contact forms, may be subject to security risks. While Moving Markets implements appropriate technical and organisational measures to protect your data, complete protection against unauthorised access, interception, or alteration by third parties cannot be guaranteed. You are responsible for ensuring that any device and connection used to access the Site are appropriately secured.

17. External Links

The Site may contain automatic or manual links to third‑party websites or resources. Such links are provided solely for your convenience and do not constitute any endorsement, recommendation, or approval by Moving Markets of those websites, their content, products, or services. Moving Markets has no control over, and assumes no responsibility for, any third‑party websites, their content, or their privacy practices. Your use of such websites is at your sole risk and is subject to the terms and policies of those third parties.

18. Subscription Services, Fees, and Refunds (if applicable)

Where Moving Markets offers paid subscriptions, premium content, or other fee‑based services:

  • Prices, billing periods, and payment methods will be as stated on the Site at the time of purchase and may be updated by Moving Markets from time to time.

  • Unless otherwise specified, subscriptions renew automatically at the end of the then‑current term, using the payment method you provided, until cancelled by you.

  • You are responsible for keeping your billing information accurate and up to date.

  • Except where required by law or expressly indicated otherwise on the Site, all fees are non‑refundable, including in cases of cancellation during a billing period, partial use, or dissatisfaction with the Content.

Moving Markets may suspend or terminate your subscription and/or access to premium services if payment is not received or is reversed for any reason.

19. Sustainability and ESG Commitments

Moving Markets pursues sustainable business practices and seeks to integrate environmental, social, and governance (ESG) considerations into its operations, investment‑related content, and stakeholder interactions. These commitments are expressed in Moving Markets’ internal policies and may be reflected in the way Moving Markets sources information, evaluates companies and markets, and conducts its business. Nothing in this section creates any contractual or fiduciary duty owed to you or any third party, nor does it constitute a guarantee of any particular ESG outcome or standard.

20. Accredited and Sophisticated Investor Declarations

Certain promotions, publications, tools, or investment‑related Content on the Site (the “Restricted Content”) are intended only for persons who qualify as accredited investors or self‑certified sophisticated investors under applicable securities laws and regulations.

Before accessing any Restricted Content, you must:

  • review the relevant definitions and criteria for accredited investor and sophisticated investor status, as set out on the dedicated page(s) on the Site; and

  • truthfully complete any self‑certification or confirmation process and confirm that you meet the applicable criteria.

If you do not meet the criteria, you must not access or rely on any Restricted Content.

By completing the self‑certification process, you represent and warrant that you meet the applicable tests and that such representations remain true and accurate at the time you access the Restricted Content. You must promptly notify Moving Markets if your status changes.

You acknowledge and agree that:

  • the securities and investments discussed in the Restricted Content may be unregistered, illiquid, speculative, and subject to a high risk of loss, including a complete loss of capital;

  • regulators (including the SEC) have not passed upon, approved, or endorsed any such securities, offerings, or the Content on the Site;

  • you have the financial capacity and willingness to bear the economic risk of such investments; and

  • it is your responsibility to obtain independent legal, tax, and investment advice before making any investment decision.

21. Site Availability and Disclaimer

Moving Markets does not guarantee that the Site, or any Content on it, will always be available, uninterrupted, or error‑free. Access may be suspended, withdrawn, or restricted at any time, without notice, for operational, security, maintenance, editorial, or other reasons. Moving Markets shall not be liable for any loss or damage of any kind arising from the unavailability of the Site or any part of it, or from your inability to access or use the Site.

22. Force Majeure

Moving Markets shall not be liable for any failure or delay in performance of any obligation under these Terms to the extent such failure or delay results from events, circumstances, or causes beyond its reasonable control, including but not limited to acts of God, war, terrorism, civil unrest, governmental action, natural disasters, extreme weather, epidemics or pandemics, national strikes or industrial disputes, failures of public or private telecommunications or power networks, cyber‑attacks, blackouts, or failure of third‑party providers. In such circumstances, Moving Markets’ obligations shall be suspended for the duration of the relevant event, and any applicable time limits shall be extended accordingly.

23. Severability

If any provision of these Terms is held to be unlawful, invalid, or unenforceable in any respect under any applicable law or by a court of competent jurisdiction, such provision shall be deemed modified to the minimum extent necessary to make it lawful, valid, and enforceable. If such modification is not possible, the provision shall be deemed severed from these Terms. The legality, validity, and enforceability of the remaining provisions shall not be affected.

24. No Waiver

No failure or delay by Moving Markets in exercising any right, power, or remedy under these Terms shall operate as a waiver of such right, nor shall any single or partial exercise of any such right preclude any other or further exercise of that or any other right.

25. Assignment

You may not assign, transfer, or delegate any of your rights or obligations under these Terms without the prior written consent of Moving Markets. Moving Markets may freely assign, transfer, or delegate any of its rights or obligations under these Terms without notice to you.

26. Governing Law and Jurisdiction

These Terms and all non‑contractual obligations arising out of or in connection with them, and all legal relations between you and Moving Markets arising from use of the Site, shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without giving effect to any conflict‑of‑law rules.

Subject to any mandatory provisions of Delaware law and applicable international conventions, the courts of Delaware shall have exclusive jurisdiction to settle any dispute arising out of or in connection with these Terms or your use of the Site. Notwithstanding the foregoing, Moving Markets retains the right to bring proceedings against you in any other court of competent jurisdiction, including in the jurisdiction of your domicile or residence.

27. Entire Agreement

These Terms, together with the Privacy Policy, Cookie Policy, and any other documents or notices expressly incorporated by reference, constitute the entire agreement between you and Moving Markets relating to your use of the Site and supersede all prior or contemporaneous agreements, understandings, or communications relating to the same subject matter.