Terms and Conditions

1. Acceptance of Terms

By accessing, browsing, or using the Website, you (“you” or “User”) agree to be bound by these Terms and Conditions (“Terms”), our Privacy Policy, and any other policies published on the Website that expressly incorporate these Terms (collectively, the “Agreement”). If you do not agree to all of these Terms, you must immediately discontinue use of the Website.

We reserve the right to modify these Terms at any time. Changes become effective upon posting to the Website with an updated “Last Updated” date. Your continued use of the Website after any modification constitutes acceptance of the revised Terms.

Informational Purposes Only. The Website publishes content relating to finance, financial technology (“fintech”), and related industries. Nothing on the Website constitutes legal, financial, or tax advice of any kind. All content is provided for general informational and educational purposes only. You should consult a qualified professional before making any legal or financial decision.

No Responsibility for Use of the Website. The Company is not responsible in any manner for your use of the Website, including any decisions you make based on content published on the Website, any actions you take as a result of that content, or any consequences arising therefrom. Your use of the Website and any reliance on its content is entirely at your own risk.

2. Interpretation and Definitions

Interpretation. Words with initial capital letters have specific meanings defined below. The same definitions apply whether the words appear in singular or plural forms.

Definitions. For purposes of this Disclaimer:

• “Service” refers to using the Website with all related content, newsletters, tools, and features provided by it.
• “Website” refers to Daily Capital Report, accessible at dailycapitalreport.com.
• “Company,” “We,” “Us,” or “Our” refers to Daily Capital Report and its operator, Marquis Element Interactive SRL.
• “You,” “Your,” or “User” refers to any individual or entity accessing or using the Website.
• “Referenced Entity” refers to any company, brand, product, security, organization, or individual that is named, discussed, or otherwise referenced in content published on the Website.

3. Eligibility

To be eligible to use the Website, You represent and warrant that:

1. You are of the age of majority in your jurisdiction;
2. You have the legal capacity to enter into binding agreements;
3. All information you provide is accurate, complete, and truthful; and
4. You fully understand and accept these Terms, along with our Privacy Policy.

By using the Website, you represent and warrant that you satisfy all eligibility requirements.

4. Geographic Restrictions

The Website is intended for general audiences and is not directed at any particular jurisdiction. The Company makes no representation that content on the Website is appropriate or available for use in every location, and may restrict or deny access to the Website from any jurisdiction at its sole discretion.

5. Nature of the Website

Daily Capital Report is an independent publisher of news, commentary, and analysis relating to financial markets, fintech, and related industries. The Website is not an affiliate marketing website, and the Company does not receive compensation from Referenced Entities in exchange for favorable coverage.

The Website may generate revenue through advertising, sponsorships, or subscriptions displayed alongside editorial content. Any sponsored or promotional content will be clearly and conspicuously identified as such in accordance with applicable law.

6. Disclaimers

Informational Purpose Only Disclaimer. The information available on the Service is provided for general informational purposes only and should not be construed as legal, professional, or financial advice. Nothing published on the Website constitutes financial, investment, legal, tax, accounting, insurance, or other professional advice, nor should any content be interpreted as a recommendation, endorsement, or solicitation to purchase, sell, or hold any security, investment, financial product, or service.

No Financial Advice. The Company is not a registered investment adviser, broker-dealer, financial planner, or tax professional, and nothing on the Website should be relied upon as such. You are solely responsible for evaluating the merits and risks of any financial, investment, or business decision and should consult a licensed professional before acting on any information published on the Website.

No Offer or Solicitation. The information published on the Website does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation to purchase or invest in any security, financial instrument, cryptocurrency, or other investment product. References to companies, products, or services are provided solely for informational purposes.

References to Companies, Brands, and Individuals. Content published on the Website may name, discuss, or otherwise reference public or private companies, brands, products, securities, executives, or other individuals (each, a “Referenced Entity”). Such references are included solely for informational, illustrative, journalistic, or educational purposes. They do not imply any endorsement, sponsorship, partnership, or affiliation between the Company or the Website and any Referenced Entity, nor between any Referenced Entity and the Company, unless expressly stated otherwise in the relevant content.

Market Information Disclaimer. Financial markets, interest rates, product offerings, regulations, and economic conditions change rapidly. Information published on the Website may become outdated without notice, and the Company has no obligation to update previously published content.

Third-Party Services and Liability Disclaimer. Links to third-party websites are provided solely for convenience. We do not control, endorse, or assume responsibility for: the content, accuracy, or operations of external websites; their compliance with applicable laws or regulations; or any outcomes resulting from Your interactions with such websites.

7. Editorial Independence

The Company strives to maintain editorial independence in its news, commentary, and analysis. Any sponsored, promotional, or paid content will be clearly and conspicuously identified as such in accordance with applicable law.

8. No Warranties on Content

WE MAKE NO WARRANTIES OR REPRESENTATIONS (WHETHER EXPRESS OR IMPLIED BY LAW, STATUTE OR OTHERWISE) WITH RESPECT TO THE SERVICE, OUR WEBSITE, OR ANY CONTENT AVAILABLE THEREIN OR RELATED THERETO, OR THAT OUR WEBSITE, SYSTEM, NETWORK, SOFTWARE OR HARDWARE (OR THAT PROVIDED TO US BY THIRD PARTIES) WILL BE ERROR-FREE OR VIRUS FREE OR UNINTERRUPTED, OR WITH RESPECT TO THE QUALITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR SUITABILITY OF ALL OR ANY OF THE FOREGOING. EXCEPT AS EXPRESSLY STATED OTHERWISE IN THIS T&C, ALL WARRANTIES, REPRESENTATIONS AND IMPLIED TERMS ARE HEREBY EXCLUDED TO THE FULLEST EXTENT PERMITTED BY LAW.

All content on the Website is provided for informational and educational purposes only. The Company makes no representation or warranty of any kind, express or implied, regarding the accuracy, completeness, reliability, suitability, or availability of any content published on the Website. In particular, content published on the Website is based on information available to the Company at the time of publication and may be incomplete, outdated, or inaccurate.

Errors and Omissions. Despite reasonable efforts, errors and omissions may appear on the Website. The Company accepts no liability for any loss or damage arising from reliance on any content published on the Website.

9. Intellectual Property

All original content on the Website, including but not limited to text, graphics, logos, images, data compilations, software, and the overall design, is the property of the Company or its licensors and is protected by applicable intellectual property laws. You may not copy, reproduce, distribute, modify, or create derivative works of any Website content without prior written consent.

Content which does not belong to us: We may use copyrighted material which has not always been specifically authorized by the copyright owner. We are making such material available for criticism, comment, news reporting, teaching, scholarship, or research. We believe this constitutes “fair use” / “fair dealing” of any such copyrighted material as provided for in copyright law.

All trademarks, service marks, and brand names displayed on the Website are the property of their respective owners and are used for identification and reference only (nominative fair use). Nothing on the Website grants any license to use such marks.

10. User Conduct

By using the Website, you agree not to: use the Website for any unlawful purpose; misrepresent your identity, age, or location; attempt to gain unauthorised access to the Website or its systems; introduce viruses or harmful code; use automated tools to access or collect data from the Website without prior written authorisation; or harvest personal information of other users.

11. Limitation of Liability

Our obligations under this T&C do not constitute personal obligations of the owners, shareholders, directors, officers, agents, employees, vendors or suppliers of the Website other than as provided under this T&C.

Notwithstanding anything to the contrary in this T&C, and other than as expressly provided below, in no event will we be liable for any direct, indirect, special, incidental, consequential or punitive loss, injury or damage of any kind (regardless of whether we have been advised of the possibility of such loss), including any loss of business, revenue, profits or data. The Company’s total aggregate liability to you arising out of or in connection with these Terms or your use of the Website, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, shall in no event exceed CAD 100. However, nothing in this T&C will operate to exclude or limit either party’s liability for death or personal injury arising as a result of that party’s negligence, or for fraud.

No failure or delay by the Company in exercising any right, power, or remedy under these Terms shall operate as a waiver of that right, power, or remedy. No single or partial exercise of any right, power, or remedy shall preclude any other or further exercise thereof or the exercise of any other right, power, or remedy. A waiver of any breach of these Terms shall not be construed as a waiver of any subsequent breach.

12. Indemnification

You agree to indemnify, defend, and hold harmless the Company, its officers, directors, employees, agents, shareholders, contractors, and suppliers from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising from or related to: your use of the Website; your violation of these Terms; your violation of any applicable law or the rights of any third party; or any content or information you submit through the Website.

13. Governing Law

These Terms, and any dispute arising out of or in connection with them or your use of the Website (a “Dispute”), shall be governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-law principles. The parties irrevocably submit to the exclusive jurisdiction of the courts of the Province of Ontario for any such Dispute.

14. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable. The remaining provisions shall continue in full force.

15. Email Communications Policy

The Company sends commercial electronic messages only where you have provided consent as required by applicable regulatory requirements. Every commercial email will include: clear identification of the sender (the Company / the Website); and a functioning unsubscribe mechanism. You may withdraw consent at any time by clicking the unsubscribe link in any email or by emailing editorial@dailycapitalreport.com. The Company maintains records of consent as required by applicable regulatory requirements. Emails from third parties linked from the Website are governed by those parties’ own email practices; the Company is not responsible for emails sent by third parties.

16. No Agency, Joint Venture, or Fiduciary Relationship

Nothing in these Terms creates, or shall be construed to create, any agency, partnership, joint venture, fiduciary relationship, or employment relationship between you and the Company. You have no authority to bind the Company in any respect, and the Company has no authority to bind you except as expressly set out in these Terms.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and the Company with respect to the Website and supersede all prior or contemporaneous communications, representations, or agreements relating to the subject matter hereof.

18. Contact Us

For questions about these Terms, kindly contact: editorial@dailycapitalreport.com.