Last updated: April 20, 2025
Welcome to InvestStep. These Terms of Use ("Terms") govern your access to and use of the InvestStep website, mobile applications, and services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Services.
Please read these Terms carefully, as they constitute a legally binding agreement between you and InvestStep ("we," "our," or "us"). These Terms include our Privacy Policy and any other terms referenced herein.
We may modify these Terms at any time. If we make changes, we will provide notice by posting the updated Terms on our website and updating the "Last updated" date. Your continued use of the Services after any changes indicates your acceptance of the modified Terms.
To use our Services, you must be at least 18 years old and capable of forming a binding contract. By using our Services, you represent and warrant that you meet these requirements.
If you are accessing or using our Services on behalf of a company, organization, or other entity, you represent and warrant that you have the authority to bind that entity to these Terms, and you agree to be bound by these Terms on behalf of that entity.
To access certain features of our Services, you may need to register for an account. When you register, you agree to provide accurate, current, and complete information about yourself and to update this information to keep it accurate, current, and complete.
You are responsible for safeguarding your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We cannot and will not be liable for any loss or damage arising from your failure to comply with these requirements.
We reserve the right to disable any user account, at any time, if we believe that you have violated these Terms or if we determine, in our sole discretion, that your use of the account is inappropriate.
InvestStep provides educational content and tools related to investing and financial markets. Our Services are intended for educational and informational purposes only.
The information provided through our Services does not constitute financial, investment, legal, or tax advice. We do not recommend specific investments or investment strategies. You should consult with qualified professionals before making any investment decisions.
Our investment simulator is a tool for educational purposes only. It uses historical data and hypothetical scenarios to simulate investment outcomes. Simulated performance is not indicative of future results, and the simulator does not account for all market factors or individual circumstances.
Course materials, including videos, texts, quizzes, and other content, are provided for your personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any course materials without our express written permission.
You agree to use our Services only for lawful purposes and in accordance with these Terms. Specifically, you agree not to:
Our Services may allow you to post, submit, publish, display, or transmit content, such as comments, forum posts, or profile information ("User Content").
You retain ownership of any User Content you submit. By providing User Content, you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User Content throughout the world in any media.
You represent and warrant that:
We have the right, but not the obligation, to monitor, edit, or remove any User Content. We take no responsibility and assume no liability for any User Content posted by you or any third party.
The Services and their entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by InvestStep, its licensors, or other providers of such material and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
These Terms do not grant you any right, title, or interest in the Services or any content, features, or functionality of the Services. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Services, except as follows:
If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Services in breach of the Terms, your right to use the Services will stop immediately and you must, at our option, return or destroy any copies of the materials you have made.
Some of our Services may require payment of fees. By subscribing to a paid service, you agree to pay all fees associated with the service you select.
All payments are due at the time of purchase or according to the subscription plan you select. We accept payment through the methods specified on our website. You authorize us to charge your selected payment method for the fees associated with your subscription.
Subscriptions automatically renew at the end of each billing period unless you cancel before the renewal date. By subscribing, you authorize us to charge your payment method for each renewal period until you cancel.
You may cancel your subscription at any time through your account settings or by contacting us. If you cancel, you may continue to access the paid services until the end of your current billing period, but you will not receive a refund for any fees already paid.
Refunds may be issued in our sole discretion, in accordance with our refund policy as published on our website.
YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
TO THE FULLEST EXTENT PERMITTED BY LAW, INVESTSTEP DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND TITLE.
WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; THAT DEFECTS WILL BE CORRECTED; OR THAT THE SERVICES OR THE SERVERS THAT MAKE THE SERVICES AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE SERVICES IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE.
WE DO NOT GUARANTEE THAT YOU WILL ACHIEVE ANY PARTICULAR INVESTMENT RESULTS OR THAT ANY INFORMATION PROVIDED THROUGH THE SERVICES WILL BE ACCURATE, RELIABLE, CURRENT, OR COMPLETE.
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL INVESTSTEP, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THE SERVICES DURING THE TWELVE (12) MONTHS PRIOR TO THE CLAIM.
You agree to defend, indemnify, and hold harmless InvestStep, its directors, employees, partners, agents, suppliers, and affiliates from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:
These Terms and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of Puerto Rico, without giving effect to any choice or conflict of law provision or rule.
Any legal suit, action, or proceeding arising out of or related to these Terms or the Services shall be instituted exclusively in the courts of Puerto Rico. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
We may terminate or suspend your access to all or part of the Services, with or without notice, for any conduct that we, in our sole discretion, believe violates these Terms, is harmful to other users, or is harmful to our business interests.
Upon termination, your right to use the Services will immediately cease, and you must cease all use of the Services and delete any copies of materials you have obtained from the Services.
All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
These Terms, together with our Privacy Policy and any other terms referenced herein, constitute the entire agreement between you and InvestStep regarding the Services and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.
No waiver of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.
If any provision of these Terms is held to be invalid, illegal, or unenforceable, such provision shall be struck from these Terms, and the remaining provisions shall remain in full force and effect.
You may not assign or transfer these Terms or your rights under these Terms, in whole or in part, without our prior written consent. We may assign these Terms at any time without notice.
We will not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including but not limited to acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.
If you have any questions about these Terms, please contact us at:
InvestStep
1369 Ashford Avenue
Mezzanine Floor
San Juan, 00907
Puerto Rico
Phone: +1 (281) 794-0077
Email: [email protected]