These Terms of Service (“Terms”) govern your use of the Smart Invest mobile application (“App”) and the website at trysmartinvest.app (“Site”), operated by Smart Invest (“we”, “us”, or “our”). By downloading or using the App, you agree to these Terms.
1. Educational Purpose Only
Smart Invest is an educational tool. All content — including platform descriptions, asset type information, growth projections, wiki articles, and investment style guidance — is provided for informational purposes only.
Nothing in this App constitutes financial, investment, tax, or legal advice. We do not recommend specific investment products or strategies. You should always conduct your own research and consult a qualified financial adviser before making any investment decisions.
We are not a broker-dealer, investment adviser, financial institution, or regulated investment firm, and we do not provide personalised recommendations. Your use of the App does not create any fiduciary relationship with us.
2. No Guarantees on Projections
The growth calculator uses historical average annual return figures as a guide. Past performance does not guarantee future results. Actual investment returns will vary and may be negative. All projections are estimates only and should not be relied upon for financial planning without professional advice.
Any rates of return, projections, or examples shown are illustrative. They do not account for taxes, platform fees, spreads, inflation, market disruptions, behavioural factors, or other risks.
3. Eligibility
You must be at least 18 years old to use Smart Invest. By using the App, you confirm that you meet this requirement. You also confirm that you have the legal right to invest in the country you have selected within the App.
4. Platform Information Accuracy
We strive to keep platform information accurate and up to date. However, investment platforms change their fees, availability, and features frequently. We cannot guarantee that all information in the App is current or complete. Always verify details directly with the investment platform before opening an account.
Platform listings and ordering may be based on your selected country/style and a relevance scoring approach. A higher ranking does not mean a platform is “better” for your personal circumstances.
5. Intellectual Property
All content in the App and on the Site — including text, graphics, logos, and code — is the property of Smart Invest and protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.
6. User Conduct
You agree not to:
- Use the App for any unlawful purpose or in violation of any applicable laws.
- Attempt to reverse engineer, decompile, or extract the source code of the App.
- Submit abusive, misleading, or harmful content via the feedback form.
- Impersonate any person or entity or misrepresent your identity.
7. Feedback
If you submit feedback through the App, you grant us a non-exclusive, royalty-free, perpetual licence to use that feedback to improve our products and services. You retain ownership of your feedback, but we are not obligated to act on it or keep it confidential.
8. Disclaimer of Warranties
The App is provided “as is” and “as available” without any warranties, express or implied. We do not warrant that the App will be error-free, uninterrupted, or free of viruses or other harmful components.
9. Limitation of Liability
To the maximum extent permitted by applicable law, Smart Invest and its operators shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or related to your use of (or inability to use) the App or Site.
Without limiting the above, we are not responsible for investment losses, missed opportunities, platform outages, account restrictions, or decisions made based on information in the App or on the Site.
Important consumer rights notice (EU/UK): Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law (for example, liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation), and nothing affects your mandatory consumer rights under EU/EEA or UK law.
10. Third-Party Links
The App contains links to external investment platforms and websites. We are not responsible for the content, availability, or practices of third-party sites. Links do not constitute an endorsement.
11. Indemnity
To the extent permitted by applicable law, you agree to indemnify and hold harmless Smart Invest and its operators from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your misuse of the App/Site, your violation of these Terms, or your infringement of any rights of another person or entity.
12. Changes to These Terms
We may update these Terms from time to time. Continued use of the App after changes are posted constitutes your acceptance of the revised Terms. We will update the effective date at the top of this page when changes are made.
13. Governing Law and Disputes
These Terms and any dispute or claim arising out of or in connection with them are governed by applicable law. If you are a consumer in the EU/EEA or UK, you may have the right to bring proceedings in your country of residence and benefit from mandatory consumer protection laws in your jurisdiction.
14. Severability
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
15. Contact
For questions about these Terms, please contact us at [email protected].