Terms and Conditions
THESE TERMS & CONDITIONS ARE EFFECTIVE FROM 3RD OCTOBER, 2023
1. Introduction
These Terms and Conditions ("Terms") outline the rules and guidelines for using Curo Labs' Services. By accessing or using our Services, you agree to abide by these Terms. Please read them carefully.
2. Acceptance of Terms
2.1 Eligibility
To use Curo Labs' Services, you must agree to these Terms. By doing so, you confirm that you are legally capable of forming a binding contract with Curo Labs in accordance with your local legislation. If you are not of legal age or are otherwise prohibited from entering into such agreements, you may not use our Services.
3. Security
3.1 Secure Your Account
We take your account security seriously. It is your responsibility to maintain the confidentiality of your Curo Labs Account credentials. Do not share your login information with others, and take precautions to protect your account from unauthorized access.
4. Information Handling
4.1 Accuracy of Information
Curo Labs provides various information within the Application. However, please be aware that the information provided may not always be complete or accurate. You understand and acknowledge that we do not verify all the information displayed, especially when it comes from third-party sources. It's essential to exercise caution and critical judgment when using our Services.
4.2 API Keys
In certain cases, you may be required to provide API keys to connect to third-party services through our platform. By entering these API keys, you grant us specific rights to enhance the functionality of the Application. It's advisable to review and understand the rights you're granting.
4.3 Handling of API Keys
API keys are sensitive pieces of information. You must take measures to safeguard them and prevent unauthorized access. While Curo Labs will handle your API keys in line with our Privacy Policy, we cannot be held liable for any losses resulting from sharing your API keys with third parties or if they are obtained through unauthorized means.
5. Registration
5.1 Creating an Account
To access and utilize Curo Labs' Services, you must create an account. During this process, you must adhere to our username selection rules and provide accurate information in your registration details.
5.2 Account Activity
You are solely responsible for the activity that occurs on Your Account, and for keeping Your Account password secure. You may never use another person’s user account or registration information for the Services without permission.
5.3 Account Deletion
You must notify us immediately of any change in Your eligibility to use the Services (including any changes to or revocation of any licenses from state authorities), breach of security or unauthorized use of Your Account. You should never publish, distribute or post login information for Your Account. You shall have the ability to delete Your Account, either directly or through a request made to one of our employees or affiliates.
6. Prohibited Behaviour
6.1 Compliance and Conduct
By using our Services, you agree not to engage in activities that disrupt, interfere with, or misuse our platform. It is essential to respect the privacy and confidentiality of information provided through our Services. Curo Labs reserves the right to investigate and take legal action against any violations of these provisions.
7. Advertising
7.1 Compliance and Conduct
Curo Labs may collaborate with third-party advertising companies to display ads while using our App. By using our Services, you consent to this cooperation. Your personal information may be used for targeted advertising. We also monitor all advertisements, messages, and public postings to ensure they adhere to our guidelines.
8. Property Rights
8.1 Respect for Intellectual Property
Curo Labs expects all users to respect intellectual property rights, including those of Curo Labs and third parties. Users must not engage in activities that violate these rights. You are responsible for any potential harm or losses resulting from downloading information from our platform.
9. External Links
9.1 Third-Party Links
Curo Labs is not responsible for the content or resources provided by third-party websites or resources that you may access through external links on our platform. Be cautious when accessing external content.
10. Memberships and Paid Features
10.1 Payment for Additional Services
Some features and services provided by Curo Labs may require payment. Additional terms and conditions apply to these paid services, which will be clearly communicated to you. By providing your credit card information, you agree to be billed for the selected services.
10.2 Payment Processing
Payment processing for our Services is facilitated by third-party payment processors. Any issues related to payment processing are beyond our control, and we are not responsible for them.
10.3 Membership Cancellation
If you choose to cancel your Curo Labs Account, your membership and access to paid services will also be terminated. Please note that payments for memberships are non-refundable.
10.4 Tax Responsibility
Both you and Curo Labs are responsible for any taxes that may apply to your income and activities related to the Services in accordance with your local tax laws.
11. Licenses
11.1 License from Curo Labs
Curo Labs grants you a limited, non-exclusive license to use our Services in accordance with these Terms. This license does not grant you ownership of our intellectual property.
11.2 License from You
By using our Services, you grant Curo Labs a license to use your content to display on public profiles within our platform. You retain ownership of your content.
12. Availability of Content
12.1 Content Management
Curo Labs reserves the right to remove, edit, block, or modify content within the Service at any time and for any reason without prior notice.
13. Third-Party Services
13.1 External Content and Resources
Curo Labs is not responsible for the content, functions, accuracy, legality, or appropriateness of third-party websites or resources accessed through our Services. Any interactions or transactions with third-party services are solely between you and the third party.
14. Copyright and Impersonation Infringement
14.1 Reporting Violations
If you suspect copyright or impersonation infringement on our platform, please follow our reporting guidelines to notify us of any violations.
15. Modification of Terms
15.1 Changes to Terms
Curo Labs reserves the right to change, modify, add, or remove portions of these Terms at our discretion. We will notify you of any modifications, and it is your responsibility to accept or reject the updated Terms.
16. Termination
16.1 Termination of Services
Curo Labs may terminate or suspend your access to all or part of our Services under certain circumstances at any time, with or without notice, for any reason, and in particular if:
You have breached or intended to breach any provision of the Terms;
we are required to do so by law;
we will no longer provide the Services to users in the country in which You reside or from which You use the Services; or
the provision of the Services to You by us is, in our opinion, no longer viable.
Upon such termination or suspension, You will not be entitled to any refund of unused fees for in-app purchases. You acknowledge that we are not responsible for interruption or suspension of the Services, regardless of the cause of the interruption or suspension.
17. Disclaimers and Limitation of Liability
17.1 Use at Your Own Risk
You acknowledge and agree that you use Curo Labs' Services at your own risk. Our Services are provided "as is" without warranties of any kind. We do not guarantee the accuracy, completeness, or timeliness of information provided through our platform. You must exercise caution and independent judgment when using our Services.
17.2 Limitation of Liability
Curo Labs, its officers, directors, employees, and affiliates shall not be liable for any damages, whether direct, indirect, incidental, consequential, or otherwise, arising from:
Your use of our Services or reliance on information obtained through our platform.
The use or inability to use our Services, or any breach of warranty.
Any failure of performance, errors, interruptions, deletions, defects, delays, computer viruses, communication failures, theft, or unauthorized access.
Inaccurate or misleading content posted on our platform.
The conduct of any user, both online and offline.
Problems, failures, or technical malfunctions related to telephone networks, computer systems, servers, or providers, as well as issues with computer equipment or software.
17.3 Indemnification
To the maximum extent permitted by applicable law, you agree to indemnify, defend, and hold Curo Labs, its officers, directors, employees, and affiliates harmless from any liability, claim, demand, costs, or expenses, including reasonable attorneys' fees, resulting from:
Your breach of these Terms
Any content you post on the Service.
Violation of any law or regulation by you.
You agree to cooperate fully in the defence of any claims and legal proceedings. We reserve the right to assume exclusive defence and control of any matter subject to indemnification by you.
17.4 Responsibility for Investment Decisions
Curo Labs does not provide professional or expert advice on investment, legal matters, or health. You are solely responsible for your investment decisions, legal compliance, and adherence to local laws. Any information provided through our Services is for general informational purposes only and should not be considered personalized investment advice.
17.5 Risk in Digital Currency Markets
If you engage in trading digital currencies or similar assets, you acknowledge the high level of risk involved. Curo Labs warns that trading in such markets can lead to loss of investment and additional risks. Before trading, consider your investment objectives, experience level, and risk tolerance. Do not invest funds you cannot afford to lose. Seek advice from independent financial or tax advisors if needed.
18. Final Provisions
18.1 Governing Law
These Terms and your relationship with Curo Labs are governed by the laws of Scotland.
18.2 Jurisdiction and Venue
You agree that any disputes arising from or related to these Terms will be subject to the jurisdiction of the High Court in Edinburgh, Scotland, or any other court or arbitration process determined by Curo Labs. You waive any immunity from jurisdiction and agree not to commence proceedings in any other location. Alternative dispute resolution for consumer disputes may apply if you are a consumer.
18.3 Severability
If any term of these Terms is found to be illegal or unenforceable, the validity and enforceability of the remaining terms shall remain intact. The unenforceable term shall be replaced with a valid and enforceable provision that aligns with the original intent.
18.4 Language
These Terms are provided in English. You agree that the English language version of the Terms will govern your relationship with Curo Labs.
18.5 Entire Agreement
These Terms constitute the entire legal agreement between you and Curo Labs, governing your use of our Services. They replace any prior agreements or understandings between you and Curo Labs regarding our Services.
19. Contact Information
If you have any questions or comments about these Terms, please feel free to contact us at matt@curolabs.io.
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*Neither this platform or its contents should be regarded as professional, financial or investment advice. This platform is a suite of trading tools, meant to be used in connection with an account held by a trader with their brokerage firm. If you intend on using this platform for real trading, you should understand how various financial products work and the risks you will be undertaking on your own.
HIGH RISK WARNING: Trading in financial markets or similar markets, in particular digital currency markets or similar markets, carries a high level of risk which may not be appropriate for all investors or users of our platform. Trading in financial markets or similar markets, in particular digital currency markets or similar markets, creates additional risk and loss of investment. Before you decide to trade in the forex or other similar market, including the digital currency market or similar markets, carefully consider your investment objectives, level of experience and risk tolerance.
You could lose some or all of your initial investment; Do not invest money that you cannot afford to lose. Leverage creates additional risk and loss exposure. Learn about the risks associated with trading in foreign exchange or other underlying assets or digital currencies or similar assets and seek advice before using our platform from an independent financial or tax adviser or other expert if you have any questions. All data and information is provided 'as is' solely for informational purposes, and is not intended for trading purposes or advice.
In the case of trading in digital currencies or similar assets, we expressly warn you that it is at your own risk and entirely your responsibility. You should understand and be aware if your local, state, or national legislation (hereinafter referred to as “Legislation”) allows you to trade and/or hold digital currencies or similar assets. In the case that trading and/or holding digital currencies or similar assets is illegal activity according to Legislation, you bear all risk and responsibility for breach of Legislation.
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