This web site is owned and operated by Peercents Limited, a Hong Kong limited liability company. Peercents provides tools and content for people interested in personal finance and investing on peercents.com and subdomains, collectively known as the "Site" or "website". Nothing on peercents.com, or any page within the peercents.com domain should be considered an offering or recommendation of securities or financial advice. This website is made available for educational and entertainment purposes only. Please read the following important terms and conditions ("Terms of Service") carefully. These Terms of Service govern your access to and use of the Site. This is a legal agreement between you and Peercents Limited. YOU UNDERSTAND THAT BY USING THE SITE, OR YOUR ACCOUNT, YOU ARE AGREEING TO BE BOUND BY THESE TERMS OF SERVICE. IF YOU DO NOT ACCEPT THESE TERMS OF SERVICE IN THEIR ENTIRETY, OR ANY SUBSEQUENT MODIFICATIONS THERETO, YOU MAY NOT ACCESS OR USE THE SITE.
Your use of the site is subject to this Terms of Service Agreement and the current Peercents Limited Privacy Policy published here. Each time you use the Site, you agree to be bound by the following Terms of Service and our Privacy Policy. If you do not agree to all of these conditions, then you must immediately discontinue your use of the Site. Peercents may at any time revise or amend these Terms of Service, and it is your responsibility to review the Terms of Service for any changes each time you visit the Site. Your use of the Site following any revision or amendment of these Terms of Service will signify your assent to and acceptance of the revised Terms of Service. These Terms of Service apply to all customers, visitors, users, and others who view the Site ("Users").
The Site may contain links to third-party websites that are not owned or controlled by Peercents Limited, including links provided by Users. Peercents Limited has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites. By using the Site, you expressly relieve Peercents Limited from any and all liability arising from your use of any third-party website. Accordingly, we encourage you to be aware when you leave the Site and to read the Terms of Service and privacy policy of other websites that you visit. Unless we expressly state otherwise, the fact that Peercents Limited has provided a link to a site is not an endorsement, authorization, sponsorship, or affiliation with respect to such site, its owners, or its providers.
The Site may provide certain financial market data, quotes, price forecasts, other forecasts, news, research, predictions, and opinions or other financial information (collectively "Information") that has been independently obtained by certain financial market information services, financial and research publishers, various securities markets including stock exchanges and their affiliates, asset managers, investment bankers, and other providers (collectively the "Information Providers") or has been obtained by Peercents Limited from other sources including computer algorithms that may include guessing or other sources of random information. All data and Information is provided "as is" and the Information is intended solely as general information for educational and entertainment purposes only and is neither professional stock broker advice for any investment nor a substitute for other professional advice and services from qualified financial services providers familiar with your financial situation. Decisions based on Information contained within the Site are your sole responsibility. Always seek the advice of your financial advisor or other qualified financial services provider regarding any investment. The Information is provided with the understanding that Peercents Limited is not engaged in rendering professional services or advice, and is not a registered investment advisor. Your use of the Site is subject to this disclaimer: Peercents Limited assumes no responsibility for any consequences relating directly or indirectly to any action or inaction you take based on the Information or other material on this Site. Peercents Limited does not guarantee or certify the accuracy, completeness, timeliness, or correct sequencing of the Information made available through Peercents Limited, the Information Providers, or any other third party transmitting the Information (the "Information Transmitters"). You agree that Peercents Limited, the Information Providers, and the Information Transmitters shall not be liable in any way for the accuracy, completeness, timeliness, or correct sequencing of the Information, or for any decision made or action taken by you relying upon the Information. You further agree that Peercents Limited, the Information Providers, and the Information Transmitters will not be liable in any way for the interruption or cessation in the providing of any data, Information, or other aspect of the Site. Peercents Limited is not responsible for, and makes no warranties regarding, the access, speed, or availability of the Internet in general or the Site in particular. Peercents Limited reserves the right to modify or discontinue, temporarily or permanently, all or any portion of the Site with or without notice.
Peercents Limited hereby grants you permission to use the Site as set forth in these Terms of Service provided that you will comply with the Terms of Service and with any Information Providers' Terms of Service linked to the Site. Some of the Information on the Site provided by Information Providers, including but not limited to price and fundamentals data for stocks, funds or other securities, is licensed to us by others; therefore, your use of Information may be governed by an Information Provider's Terms of Service. You may use, print, copy, provide links to, and download content and results ("Content") displayed on the Site for both commercial and non-commercial use where not explicitly forbidden by the Information Providers' Terms of Service. If you use the copied or downloaded content and results you agree to attribute the materials to their source and you agree to maintain all copyright and other proprietary notices contained on the materials. To access some features of the Site, you will have to register on the Site. You may never use another user's registration without permission. When registering, you must provide accurate and complete information. You are solely responsible for the activity that occurs under your registration, and you must keep your password secure. With the exception of applications commonly known as web browser software, or other applications formally approved by Peercents Limited in writing, you agree not to use any software, program, application, or any other device to access or log on to the Site or to automate the process of obtaining, downloading, transferring, or transmitting any content, information, or quotes to or from the Site. You agree not to use or launch any automated system, including without limitation, "robots", "spiders", "scrapers", or "offline readers", to access the Site. Notwithstanding the foregoing, Peercents Limited grants the operators of public search engines permission to use spiders to copy materials from the Site for the sole purpose of creating publicly available searchable indices of the materials. Peercents Limited may permanently or temporarily terminate, suspend, or otherwise refuse to permit User's access to the Site without notice and liability, if in Peercents Limited’s sole determination, User violates any of the Terms of Service, including the following prohibited acts, which you agree not to perform; (i) use the Site for any illegal purpose or to submit, transmit or facilitate the distribution of information or content that is unlawful, illegal, harmful, abusive, racially or ethnically offensive, vulgar, obscene, sexually explicit, defamatory, infringing, invasive of personal privacy or publicity rights, harassing, libelous, threatening, or in a reasonable person's view, objectionable; (ii) attempt to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the Site; (iii) take any action that imposes an unreasonable or disproportionately large load on our infrastructure; (iv) upload invalid data, viruses, worms, or other software to the Site; (v) impersonate another person or otherwise misrepresent User's affiliation with a person or entity, conduct fraud, hide or attempt to hide User's identity; (vi) submit, upload, post, email, transmit or otherwise make available any Information or Content that User does not have a right to use or make available; (vii) interfere or attempt to interfere with the proper working of the Site; (viii) bypass the measures we may use to prevent or restrict access to the Site; or (ix) reverse engineer, reverse assemble or otherwise attempt to discover any source code.
Peercents Limited or their third party data or content providers, including Information Providers, have exclusive proprietary rights to the Information provided on this Site. Content and the trademarks, service marks, trade names, icons, and logos contained therein ("Marks"), including without limitation are owned by Peercents Limited or licensed to Peercents Limited and owned by the Information Provider, and are subject to copyright and other intellectual property rights under United States and foreign laws and international conventions. Peercents Limited and Information Providers retain all proprietary rights in the Content and Marks.
THE INFORMATION PROVIDED THROUGH THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE". YOU AGREE THAT YOUR USE OF THE SITE SHALL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, PEERCENTS LIMITED, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND YOUR USE THEREOF. PEERCENTS LIMITED MAKES NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY, ADEQUACY, TIMELINESS, OR COMPLETENESS OF THIS SITE'S CONTENT OR THE CONTENT OF ANY SITES LINKED TO THIS SITE AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY (I) ERRORS, OMISSIONS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SITE, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION, DELAY OR CESSATION OF TRANSMISSION TO OR FROM THE SITE, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SITE BY ANY THIRD PARTY, AND/OR (V) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SITE. PEERCENTS LIMITED PROVIDES NO GUARANTEE AGAINST THE POSSIBILITY OF DELETION, MIS-DELIVERY OR FAILURE TO STORE COMMUNICATIONS, PERSONALIZED SETTINGS, OR OTHER DATA. PEERCENTS LIMITED DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SITE OR ANY HYPERLINKED WEBSITE OR FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND PEERCENTS LIMITED WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.
IN NO EVENT SHALL PEERCENTS LIMITED, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SITE, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE, WHICH MAY BE TRANSMITTED TO OR THROUGH THE SITE BY ANY THIRD PARTY, (V) ANY ERRORS OR OMISSIONS IN ANY CONTENT, (VI) YOUR USE, OR INABILITY TO USE, ANY PORTION OF THE SITE OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF YOUR USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION. THE SITE IS CONTROLLED AND OFFERED BY PEERCENTS LIMITED FROM ITS FACILITIES IN HONG KONG. PEERCENTS LIMITED MAKES NO REPRESENTATIONS THAT THE SITE IS APPROPRIATE OR AVAILABLE FOR USE IN OTHER COUNTRIES. THOSE WHO ACCESS OR USE THE SITE FROM OTHER JURISDICTIONS DO SO AT THEIR OWN VOLITION AND ARE RESPONSIBLE FOR COMPLIANCE WITH LOCAL LAW.
You agree to indemnify and hold Peercents Limited and its affiliates, agents, employees, and licensors harmless from any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from: (i) your use of and access to the Site; (ii) your violation of any term of these Terms of Service; (iii) your violation of any third party right, including without limitation any copyright, property, or privacy right. This defense and indemnification obligation will survive termination of these Terms of Service or discontinuance of your use of the Site.
By your use of the Site, you affirm that you are either are at least 18 years of age, or an emancipated minor, or possess legal parental or guardian consent, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms of Service, and to abide by and comply with these Terms of Service. In any case, you affirm that you are 13 years old or older, as the Site is not intended for children under that age of 13. If you are under 13 years of age, do not use the Site.
These Terms of Service and any rights and licenses granted hereunder may not be transferred or assigned by you, but may be assigned by Peercents Limited without restriction, including without limitation, in the event that Peercents Limited, forms a partnership with, is merged with, or is acquired by another company.
Your permission to access the Site under these Terms of Service will immediately terminate if you fail to comply with any term or condition. Upon such violation, you agree to terminate access to the Site. You agree that Peercents Limited, in its sole discretion and with or without notice, may terminate your access to any or all of the Site, and remove and discard any Content within the Site. Peercents Limited may also in its sole discretion with or without notice discontinue providing the Site. You also agree that Peercents Limited will not be liable to you or any third party for any termination of your access to the Site.
You agree that Peercents Limited and the Site are solely based in Hong Kong, that the Site is a passive website and that the Site does not give rise to personal jurisdiction over Peercents Limited, either specific or general, in jurisdictions other than Hong Kong. You agree that these Terms of Service shall be governed and interpreted pursuant to the laws of Hong Kong, notwithstanding any principles of conflict of law or your actual state or country of residence. You agree to submit to the personal and exclusive jurisdiction of the courts located within Hong Kong.
These Terms of Service, together with the Privacy Policy and any other legal notices published by Peercents Limited on the Site, shall constitute the entire agreement between you and Peercents Limited concerning the Site. If any provision of these Terms of Service is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms of Service, which shall remain in full force and effect.
No waiver of any provision of these Terms of Service shall be deemed a further or continuing waiver of such provision or any other provision, and Peercents Limited's failure to assert any right under these Terms of Service shall not constitute a waiver of such right. YOU AND PEERCENTS LIMITED AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE SITE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.
Peercents Limited reserves the right, in its sole discretion, at any time to modify, discontinue or terminate the site, any portion thereof, or any content thereon without notice, or modify these Terms of Service. If any modified terms and conditions are not acceptable to you, your sole remedy is to cease using the site, and if applicable, cancel your Portfolio Visualizer account. By continuing to access or use the site after Peercents Limited makes any such revision, you agree to be bound by the revised Terms of Service.