Legal Disclaimer & Terms of Use

Last Updated: January 2026

1. General Information

The information provided by altis.finance and its subsidiaries (collectively "Altis," "we," "us," or "our") on altis.news and all associated newsletters, publications, and digital properties (the "Services") is for general informational and educational purposes only. All information on the Services is provided in good faith; however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Services.

UNDER NO CIRCUMSTANCE SHALL WE HAVE ANY LIABILITY TO YOU FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF THE SERVICES OR RELIANCE ON ANY INFORMATION PROVIDED ON THE SERVICES. YOUR USE OF THE SERVICES AND YOUR RELIANCE ON ANY INFORMATION ON THE SERVICES IS SOLELY AT YOUR OWN RISK.

2. Not Financial, Investment, or Professional Advice

THE INFORMATION PROVIDED THROUGH OUR SERVICES DOES NOT CONSTITUTE FINANCIAL, INVESTMENT, TRADING, TAX, LEGAL, OR ANY OTHER KIND OF PROFESSIONAL ADVICE.

The content we publish, including but not limited to:

Market analyses and commentary
Stock picks and investment ideas
Financial models and projections
Economic forecasts and predictions
Technology assessments and recommendations
Business strategy discussions

IS FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY and should not be construed as personalized investment advice or recommendations tailored to your specific financial situation, investment objectives, or risk tolerance.

We are not licensed financial advisors, registered investment advisors, broker-dealers, or financial planners. Nothing published through our Services should be considered as an invitation or inducement to engage in any investment activity, nor does it constitute an offer to sell or a solicitation to buy any securities, investments, or financial products.

Before making any financial or investment decisions, you should:

Consult with a qualified financial advisor who understands your personal financial situation
Conduct your own due diligence and research
Carefully consider your investment objectives, level of experience, and risk appetite
Understand that past performance is not indicative of future results

By accessing our Services, you acknowledge and agree that any investment or financial decisions you make are your sole responsibility and that you bear all risks associated with such decisions.

3. No Guarantees or Promises of Returns

WE MAKE NO GUARANTEES, REPRESENTATIONS, OR WARRANTIES REGARDING:

Future performance of any investment, security, or asset class
Accuracy of any predictions, forecasts, or projections
Outcomes or results from implementing any strategies discussed
Preservation of capital or specific investment returns

ALL INVESTMENTS CARRY RISK. The value of investments can go down as well as up. You may lose some or all of your invested capital. Past performance, whether ours or that of any investments we discuss, is not a guarantee of future results.

HYPOTHETICAL OR SIMULATED PERFORMANCE RESULTS HAVE INHERENT LIMITATIONS. Unlike actual performance records, simulated results do not represent actual trading and may not reflect the impact of material economic and market factors. Simulated trading programs are designed with the benefit of hindsight and do not involve financial risk.

4. Forward-Looking Statements

Our Services may contain forward-looking statements regarding:

Future market conditions
Economic trends and projections
Company performance expectations
Technology developments
Industry predictions

These forward-looking statements are based on current expectations, estimates, forecasts, and projections and involve known and unknown risks, uncertainties, and other factors that may cause actual results, performance, or achievements to differ materially from any future results, performance, or achievements expressed or implied.

We undertake no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise.

5. Third-Party Content and Links

Our Services may contain links to third-party websites, services, or resources that are not owned or controlled by Altis. We have no control over and assume no responsibility for:

The content, privacy policies, or practices of any third-party sites
The accuracy, legality, or appropriateness of third-party information
Any damages or losses arising from third-party interactions

The inclusion of any link does not imply endorsement, approval, or recommendation by Altis. You acknowledge and agree that we 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 third-party content, goods, or services available through such websites or resources.

6. Market Data and Information Accuracy

While we strive to provide accurate and up-to-date information, we cannot guarantee:

Real-time accuracy of market data, prices, or quotes
Completeness of historical data or financial information
Freedom from errors, omissions, or technical inaccuracies
Continuous availability or uninterrupted access to information

Market data may be delayed by 15-20 minutes or more. Information published on our Services may become outdated and we are under no obligation to update such information.

You should independently verify all information before relying on it for any purpose.

7. No Client or Fiduciary Relationship

YOUR USE OF OUR SERVICES DOES NOT CREATE:

An advisor-client relationship
A fiduciary duty on our part
A contractual obligation to provide ongoing advice
A duty to monitor your investments or portfolio

We are under no obligation to:

Update you on market changes affecting investments discussed
Notify you of changes to our views or recommendations
Provide individualized follow-up or personalized guidance
Monitor whether our content is suitable for your situation

8. Conflicts of Interest

IMPORTANT: We may have financial interests in companies, securities, or assets we discuss.

Our writers, analysts, employees, and affiliated persons may:

Own securities or positions in companies we analyze
Receive compensation from companies we cover
Have business relationships with entities mentioned
Engage in transactions before or after publishing content
Have personal financial interests that conflict with recommendations

We are not required to disclose all potential conflicts of interest. You should assume that conflicts may exist and make your own independent assessment.

9. Subscription and Payment Terms

Subscription purchases are final. By subscribing to our premium services:

You agree to pay all applicable fees as described at the time of purchase
Subscriptions automatically renew unless cancelled prior to renewal date
Fees are non-refundable except as required by law or explicitly stated in our refund policy
We reserve the right to modify pricing with notice to subscribers
You are responsible for cancelling subscriptions you no longer wish to maintain

Promotional offers and discounts:

Are subject to terms and conditions specified at time of offer
May be modified or discontinued at any time without notice
Cannot be combined with other offers unless explicitly stated
May have eligibility restrictions

10. Intellectual Property Rights

All content published on our Services, including but not limited to:

Text, graphics, logos, images, and photographs
Audio and video content
Software and code
Data compilations and databases
Design elements and formatting

Is protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not:

Reproduce, distribute, or republish our content without explicit written permission
Use our content for commercial purposes without a licensing agreement
Modify, create derivative works from, or reverse engineer our content
Remove copyright notices, watermarks, or attribution
Frame or embed our content on third-party websites without authorization

Limited personal use is permitted for individual, non-commercial purposes. Any use beyond personal use requires our prior written consent.

Violations of our intellectual property rights may result in:

Immediate termination of your access to the Services
Legal action to recover damages
Criminal prosecution where applicable

11. User-Generated Content

If our Services allow you to post comments, reviews, or other content:

You grant us a non-exclusive, royalty-free, perpetual, irrevocable, worldwide license to:

Use, reproduce, modify, adapt, and publish your content
Display and distribute your content across our platforms
Create derivative works from your content
Sublicense these rights to third parties

You represent and warrant that:

You own or have the necessary rights to your submitted content
Your content does not violate any third-party rights
Your content is not defamatory, obscene, or illegal
You will not submit spam, malware, or harmful content

We reserve the right to:

Remove any user content at our sole discretion
Refuse to publish content that violates our policies
Modify or edit user content for clarity or compliance
Disclose user information if required by law

12. Geographic Restrictions

Our Services are not directed to, nor intended for distribution to or use by, any person or entity in any jurisdiction where such distribution or use would be contrary to local law or regulation.

We do not represent that content on our Services is appropriate or available for use in all locations. Those who access our Services from jurisdictions where the content is illegal or restricted do so at their own risk and are responsible for compliance with local laws.

Specifically, our Services may not be available to persons in:

Jurisdictions where we are not licensed to provide financial information
Countries subject to economic sanctions (e.g., North Korea, Iran, Syria, Cuba)
Regions where our content would violate local securities or investment laws

If you are uncertain whether your use of our Services complies with local laws, you should consult with local legal counsel before proceeding.

13. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW:

WE, OUR AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR:

Any indirect, incidental, special, consequential, or punitive damages
Loss of profits, revenue, data, or business opportunities
Loss of use or goodwill
Business interruption
Any damages arising from use of or inability to use our Services
Damages resulting from reliance on information provided through our Services
Unauthorized access to or alteration of your transmissions or data
Statements or conduct of any third party on the Services

WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE AMOUNT YOU PAID TO US, IF ANY, IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages. In such jurisdictions, our liability shall be limited to the maximum extent permitted by law.

14. Indemnification

You agree to defend, indemnify, and hold harmless altis.finance, its affiliates, and their respective officers, directors, employees, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

Your violation of these Terms or any applicable law or regulation
Your violation of any third-party rights, including intellectual property rights
Your use or misuse of our Services
Your reliance on information obtained through our Services
Any investment or financial decisions you make based on our content
Any user content you submit or transmit through our Services

15. Privacy and Data Protection

Your use of our Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

We collect, use, and process personal data in accordance with:

The General Data Protection Regulation (GDPR) for EU residents
The UK Data Protection Act for UK residents
The California Consumer Privacy Act (CCPA) for California residents
Other applicable data protection laws

By using our Services, you consent to:

Collection and processing of your personal data as described in our Privacy Policy
Use of cookies and similar tracking technologies
Transfer of your data to countries outside your jurisdiction for processing
Receipt of marketing communications (with option to opt-out)

Your rights include:

Access to your personal data
Correction of inaccurate data
Deletion of your data (subject to legal exceptions)
Restriction of processing
Data portability
Objection to processing for direct marketing

To exercise these rights, contact us at help@altis.news

15.5. Client Information and Commercial References

By subscribing to our Services, using our platform, or engaging with altis.finance in any capacity, you grant us the right to use your information for commercial and marketing purposes, subject to the terms below.

15.5.1. Commercial Reference Authorization

You hereby authorize altis.finance, its affiliates, and subsidiaries to use your name, company name, business name, trade name, logo, trademark, and other identifying information (collectively, "Client Information") as a commercial reference for marketing, promotional, and business development purposes.

This authorization includes, but is not limited to:

Displaying your name and logo on our website, newsletters, and marketing materials
Listing you as a client, subscriber, or partner in case studies, testimonials, and success stories
Using your information in presentations, proposals, and sales materials
Including your information in press releases, media kits, and public communications
Referencing our business relationship in marketing campaigns and advertising
Using aggregated, anonymized data about your usage patterns for analytics and improvement purposes

This authorization is granted unless you provide written notice of objection to help@altis.news. If you object, we will cease using your Client Information for new commercial references within 30 days of receiving your written objection, though we may continue to use information already published or in circulation.

15.5.2. Newsletter and Email Data Protection

All newsletter content, subscriber email addresses, subscriber data, and newsletter analytics are the exclusive property of altis.finance and are protected as confidential and proprietary information.

You acknowledge and agree that:

All email addresses collected through our subscription process are our proprietary data
Newsletter subscriber lists, analytics, and engagement metrics are our trade secrets
You may not copy, reproduce, distribute, or use our subscriber data for any purpose
You may not attempt to extract, scrape, or harvest email addresses from our Services
Any unauthorized use of our subscriber data may result in immediate termination and legal action

Premium Client Logos and Branding: If you are a premium subscriber or advertiser and provide us with your logo or branding materials:

You grant us a non-exclusive, royalty-free, worldwide license to use your logo and branding in connection with our Services
We may display your logo on our website, in newsletters, and in marketing materials
We will use your logo in a manner consistent with your brand guidelines, if provided
You retain all ownership rights to your logo and branding
You may revoke this license with 30 days written notice, subject to our right to continue using materials already in circulation

15.5.3. Data Usage and Analytics

We may collect, use, and analyze data related to your use of our Services, including:

Subscription and payment information
Newsletter open rates, click-through rates, and engagement metrics
Website usage patterns and browsing behavior
Content preferences and interaction data
Demographic and geographic information (when provided or inferred)

We use this data to:

Improve our Services and content quality
Personalize your experience and deliver relevant content
Conduct market research and business analytics
Develop new products and services
Create aggregated, anonymized reports for business purposes
Comply with legal obligations and prevent fraud

We will not sell your personal email address or individually identifiable information to third parties without your explicit consent. However, we may share aggregated, anonymized data that cannot be used to identify you individually.

15.5.4. Protection of Our Proprietary Data

You agree not to:

Extract, scrape, or harvest any data from our Services using automated tools
Copy, reproduce, or redistribute our subscriber lists or email databases
Use our Services to build competing products or services
Reverse engineer our algorithms, analytics, or data processing methods
Share access credentials or allow unauthorized third parties to access our Services
Use our data or content to train artificial intelligence models or machine learning systems without our explicit written permission

Violation of these provisions may result in:

Immediate termination of your access to our Services
Legal action to recover damages, including lost revenue and business opportunities
Criminal prosecution where applicable (e.g., under computer fraud and abuse laws)
Injunctive relief to prevent further unauthorized use

15.5.5. Third-Party Data Sharing Restrictions

You may not share, sell, or transfer any data obtained through our Services to third parties, including:

Email marketing companies or list brokers
Competing newsletter or media companies
Data analytics or research firms
Any entity that would use such data to compete with us or harm our business

This restriction applies regardless of whether the data is in raw form, aggregated, or processed.

15.5.6. Opt-Out and Withdrawal

If you wish to opt-out of being used as a commercial reference or withdraw your authorization:

Send a written request to help@altis.news with the subject line "Commercial Reference Opt-Out"
Include your full name, company name (if applicable), and email address associated with your account
We will process your request within 30 days
We will remove your information from new marketing materials but may not be able to recall materials already distributed

Note: Opting out of commercial references does not affect your subscription or access to our Services, but may limit our ability to provide certain personalized features.

16. Regulatory Compliance

United States: Our Services are not registered with or approved by the U.S. Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), the Commodity Futures Trading Commission (CFTC), or any state securities commission. We are not a registered investment advisor under the Investment Advisers Act of 1940.

European Union: We are not authorized or regulated by the Financial Conduct Authority (FCA), the European Securities and Markets Authority (ESMA), or any equivalent regulatory body in EU member states.

Other Jurisdictions: We may not hold the necessary licenses or authorizations to provide financial services or investment advice in your jurisdiction.

By accessing our Services, you acknowledge that we are not subject to the same regulatory oversight as registered investment advisors, broker-dealers, or other financial professionals.

17. Testimonials and Performance Claims

Any testimonials, reviews, or examples of subscriber experiences presented on our Services:

Represent individual experiences and outcomes
Are not typical or guaranteed results
May not reflect the experiences of other subscribers
Were not independently verified
May have been compensated or incentivized

Performance statistics, portfolio returns, or track records presented:

May be hypothetical or simulated rather than actual
May not account for fees, commissions, or taxes
May not reflect real-world trading conditions
Are not guarantees of future performance
May represent cherry-picked examples rather than comprehensive results

You should not rely on testimonials or performance claims as indicative of your potential results.

18. Technical Disclaimer

We strive to maintain the availability and functionality of our Services, but we cannot guarantee:

Uninterrupted or error-free operation
Freedom from viruses, malware, or harmful components
Compatibility with all devices, browsers, or operating systems
Preservation of data or content
Timely delivery of email communications

You are responsible for:

Implementing appropriate security measures
Backing up important data
Using updated antivirus software
Ensuring your systems meet technical requirements

WE SHALL NOT BE LIABLE FOR ANY TECHNICAL FAILURES, DOWNTIME, OR DATA LOSS.

19. Email and Newsletter Disclaimers

By subscribing to our newsletters and email communications:

You acknowledge that:

Email is not a secure medium for transmitting sensitive information
We cannot guarantee delivery to your inbox (emails may be filtered as spam)
You may receive time-sensitive information that could be outdated upon receipt
Unsubscribing may take up to 10 business days to process

You agree to:

Provide accurate email address information
Maintain your subscription preferences
Not use email subscription for unauthorized purposes
Comply with anti-spam laws in your jurisdiction

We reserve the right to:

Modify newsletter frequency or content at any time
Suspend or terminate your subscription for violations
Share aggregated subscriber data (non-personally identifiable)

20. Modification of Terms

We reserve the right to modify, amend, or replace these Terms at any time at our sole discretion.

Changes become effective:

Immediately upon posting to our website for non-material changes
30 days after notice for material changes affecting your rights

Your continued use of our Services after changes constitutes acceptance of the modified Terms.

If you do not agree to modified Terms:

Discontinue use of our Services immediately
Cancel any paid subscriptions
Your sole remedy is to terminate your relationship with us

We are not obligated to:

Provide individual notice of changes
Highlight specific modifications
Obtain your explicit consent for non-material changes

21. Termination

We may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason, including but not limited to:

Breach of these Terms
Fraudulent or illegal activity
Violation of intellectual property rights
Abusive conduct toward our staff or other users
Non-payment of subscription fees
At our sole discretion for any or no reason

Upon termination:

Your right to use the Services ceases immediately
You remain liable for any outstanding obligations
You must cease all use of our intellectual property
Provisions of these Terms that by their nature should survive termination shall survive

Refunds upon termination are subject to our refund policy and applicable law.

22. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions.

Any legal action or proceeding arising out of or relating to these Terms or the Services shall be instituted exclusively in the courts located in London, United Kingdom.

You irrevocably consent to:

The exclusive jurisdiction of such courts
Service of process by any means authorized by applicable law
Waiver of any objection to venue in such courts

However, we retain the right to bring legal proceedings in any jurisdiction where:

You reside or conduct business
A breach of these Terms has occurred
Our intellectual property rights have been infringed

23. Dispute Resolution

Before initiating any legal proceeding, you agree to first attempt to resolve disputes through good-faith negotiation.

Notice of dispute must be sent to: help@altis.news

Negotiation period: 60 days from receipt of dispute notice

If negotiation fails, disputes may be resolved through:

Binding arbitration (if agreed by both parties)
Mediation (if agreed by both parties)
Litigation in accordance with Section 22 above

Class action waiver: You agree to bring claims only in your individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.

Some jurisdictions do not allow class action waivers. In such jurisdictions, this waiver may not apply.

24. Severability

If any provision of these Terms is found to be unenforceable or invalid:

That provision shall be limited or eliminated to the minimum extent necessary
The remaining provisions shall remain in full force and effect
The unenforceable provision shall be deemed modified to reflect the parties' intent as closely as possible

25. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices or policies published on our Services, constitute the entire agreement between you and altis.finance regarding your use of the Services.

These Terms supersede all prior or contemporaneous:

Agreements, communications, and proposals (oral or written)
Understandings between you and us
Representations not expressly stated in these Terms

26. No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of:

Future enforcement of that right or provision
Any other rights or provisions

All waivers must be in writing and signed by an authorized representative of altis.finance to be effective.

27. Assignment

You may not assign, transfer, or sublicense these Terms or any of your rights or obligations hereunder without our prior written consent.

We may assign, transfer, or delegate these Terms and our rights and obligations without restriction, including to:

Any affiliate or subsidiary
A successor entity in a merger or acquisition
A third-party service provider

Any attempted assignment in violation of this section is void.

28. Contact Information

For questions, concerns, or notices regarding these Terms or our Services:

altis.finance
London
Email: help@altis.news

29. Specific Disclaimers by Content Type

Cryptocurrency and Digital Assets:

Cryptocurrency markets are extremely volatile and speculative. Prices can fluctuate dramatically. Digital assets are not backed by any government or central bank. You may lose your entire investment. Regulatory treatment varies by jurisdiction and may be subject to change. Security risks include hacking, theft, and loss of private keys.

Stock and Securities Analysis:

Individual stock picks are inherently risky. Company-specific risks can lead to total loss. Diversification does not guarantee profit or protect against loss. Past earnings do not guarantee future performance. Market conditions can change rapidly.

Technology and Software Recommendations:

Technology changes rapidly. Software may become obsolete. Security vulnerabilities may exist. Compatibility issues may arise. We do not endorse specific products unless explicitly stated.

Business and Entrepreneurship Advice:

Starting a business involves substantial risk. Most startups fail. Our content is not a substitute for professional business planning. Tax, legal, and regulatory requirements vary by jurisdiction.

Health and Longevity Information:

Any health or longevity-related content is for informational purposes only. We are not medical professionals. Consult with qualified healthcare providers before making health decisions. Individual results vary based on genetics, lifestyle, and other factors.

30. Acknowledgment

BY ACCESSING OR USING OUR SERVICES, YOU ACKNOWLEDGE THAT:

✓ You have read, understood, and agree to be bound by these Terms
✓ You understand that nothing on our Services constitutes professional advice
✓ You will make independent decisions and not rely solely on our content
✓ You accept all risks associated with using our Services
✓ You are responsible for compliance with laws in your jurisdiction
✓ You have the legal capacity to enter into this agreement
✓ You are at least 18 years of age (or legal age in your jurisdiction)
✓ You will not hold us liable for any losses you may incur

IF YOU DO NOT AGREE TO THESE TERMS, DO NOT ACCESS OR USE OUR SERVICES.

Important Notice for Different Jurisdictions

United Kingdom: Nothing in these Terms shall exclude or limit liability for death or personal injury resulting from negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded under UK law.

European Union: You have certain statutory rights as a consumer that cannot be excluded or limited by these Terms. Nothing in these Terms affects these statutory rights.

California: Under California Civil Code Section 1789.3, California users are entitled to the following consumer rights notice: If you have a question or complaint regarding the Services, please contact us at help@altis.news. California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

Australia: Our Services come with guarantees that cannot be excluded under the Australian Consumer Law. Nothing in these Terms excludes, restricts, or modifies any guarantee, warranty, term, condition, right, or remedy which cannot lawfully be excluded, restricted, or modified.

THESE TERMS ARE A LEGAL CONTRACT. PLEASE READ CAREFULLY BEFORE USING OUR SERVICES.

Last Reviewed: January 2026
Version: 2.0