Terms of Service

Eligibility - Professional investors and institutions only, 18+ years old
Account Responsibilities - You're responsible for account security and activity
Permitted Use - Portfolio management, analytics, compliance tracking
Prohibited Activities - No unauthorized access, data scraping, or misuse
Liability - Platform provided "as is" with limitations on our liability
Termination - Either party may terminate with notice

By using ClearView-WOW, you agree to these terms. If you don't agree, please discontinue use.

1. Introduction and Acceptance

1.1 Agreement to Terms

Welcome to ClearView-WOW ("Platform," "Service," "we," "us," or "our"). These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and ClearView-WOW Limited regarding your access to and use of our portfolio management platform.

By:

Creating an account
Accessing the platform
Using any of our services

You confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

1.2 Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes via:

Email notification to your registered address
In-platform notification banner
Updated "Last Modified" date at the top of this document

Continued use of the Platform after changes constitutes acceptance of the modified Terms.

1.3 Additional Terms

Certain features or services may be subject to additional terms and conditions. These will be presented to you at the time of use and are incorporated by reference into these Terms.

2. Eligibility and Account Registration

2.1 Eligibility Requirements

To use ClearView-WOW, you must:

Be at least 18 years of age
Have legal capacity to enter into binding contracts
Be a professional investor, institutional investor, or authorized representative
Not be prohibited from using financial services in your jurisdiction
Comply with all applicable laws and regulations

Prohibited Users:

Individuals or entities on sanctions lists (OFAC, UN, EU, etc.)
Residents of jurisdictions where our services are not available
Persons barred from financial services by regulatory authorities

2.2 Account Registration

When creating an account, you must:

Provide accurate, current, and complete information
Maintain and update information to keep it accurate
Use your real identity (no fake names or impersonation)
Provide required documentation for KYC/AML verification

Corporate Accounts: For company accounts, the registering individual represents and warrants that they have authority to bind the company to these Terms.

2.3 Account Security

You are responsible for:

Maintaining the confidentiality of your password and credentials
All activities that occur under your account
Notifying us immediately of any unauthorized access
Using strong passwords and enabling two-factor authentication

We are not liable for losses resulting from unauthorized use of your account if you fail to maintain security.

2.4 One Account Per Entity

You may only create one account per legal entity. Creating multiple accounts without permission may result in termination of all accounts.

3. Description of Services

3.1 Core Services

ClearView-WOW provides:

Portfolio Management:

Multi-custodian portfolio aggregation
Real-time holdings tracking
Transaction management and settlement tracking

Performance Analytics:

Time-weighted and money-weighted returns
Benchmark comparison and attribution analysis
Historical performance tracking

Risk Management:

Portfolio risk metrics (VaR, volatility, beta, etc.)
Limit monitoring and alerts
Concentration analysis

Compliance Tools:

Regulatory reporting preparation
Audit trail maintenance
Document management

Trading Operations:

RFQ (Request for Quote) management
Order tracking and execution monitoring
Settlement coordination

3.2 Service Limitations

ClearView-WOW is a reporting and analytics platform. We do NOT:

Execute trades or transactions
Hold or custody assets
Provide investment advice or recommendations
Act as a broker-dealer or financial advisor
Guarantee investment returns or outcomes

3.3 Data Sources

We aggregate data from:

Your custodians and brokers
Market data providers
Your manual uploads
Third-party integrations

Data Accuracy: While we strive for accuracy, we are not responsible for errors in source data provided by third parties or users.

4. User Responsibilities and Obligations

4.1 Permitted Use

You may use the Platform to:

Manage and analyze your investment portfolios
Generate reports for internal use and regulatory compliance
Collaborate with authorized team members
Access market data and analytics tools

4.2 Prohibited Activities

You may NOT:

Unauthorized Access:

Access accounts, data, or systems without authorization
Attempt to bypass security measures or authentication
Reverse engineer, decompile, or disassemble the Platform

Misuse:

Use the Platform for illegal activities
Violate any applicable laws, regulations, or third-party rights
Transmit malware, viruses, or harmful code
Interfere with or disrupt Platform operations

Data Abuse:

Scrape, crawl, or harvest data without permission
Use data mining or automated tools without authorization
Share or resell Platform access or data

Impersonation:

Impersonate any person or entity
Misrepresent your affiliation with any person or entity

Market Manipulation:

Use the Platform to manipulate markets or prices
Engage in wash trading, spoofing, or layering
Share material non-public information

4.3 Data Accuracy and Inputs

You are responsible for:

Ensuring accuracy of data you upload or provide
Verifying holdings, transactions, and account information
Correcting errors in your data promptly
Maintaining proper documentation

4.4 Compliance with Laws

You agree to comply with all applicable laws including:

Securities regulations (MiFID II, SEC rules, etc.)
AML/KYC requirements
Data protection laws (GDPR, CCPA, etc.)
Tax reporting obligations
Sanctions and export control laws

5. Fees and Payment

5.1 Subscription Fees

ClearView-WOW charges subscription fees based on your selected plan:

Standard: Basic portfolio management features
Professional: Advanced analytics and risk tools
Enterprise: Full feature set with premium support

5.2 Billing Terms

Fees are billed monthly or annually in advance
Prices are subject to change with 30 days' notice
All fees are non-refundable except as required by law
Late payments may result in service suspension

5.3 Taxes

Fees are exclusive of taxes. You are responsible for all applicable taxes (VAT, GST, sales tax, etc.).

5.4 Free Trial

Free trials are subject to:

Limited duration (typically 30 days)
Feature restrictions
Conversion to paid plan requirements

6. Intellectual Property Rights

6.1 Our Intellectual Property

The Platform and all content, features, and functionality are owned by ClearView-WOW and protected by:

Copyright
Trademark
Patent
Trade secret
Other intellectual property laws

You may NOT:

Copy, modify, or create derivative works
Distribute, sell, or transfer any part of the Platform
Remove or alter copyright or proprietary notices

6.2 Your Data

You retain ownership of data you upload to the Platform ("User Data"). By using the Platform, you grant us a limited license to:

Store and process User Data to provide services
Use aggregate, anonymized data for analytics and improvements
Create backups and ensure data security

6.3 Feedback

Any feedback, suggestions, or ideas you provide become our property. We may use them without obligation to you.

7. Data Privacy and Security

7.1 Privacy Policy

Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms.

7.2 Data Security

We implement industry-standard security measures:

Encryption (TLS 1.3, AES-256)
Access controls and authentication
Regular security audits
SOC 2 Type II compliance

7.3 Data Breaches

In the event of a data breach, we will:

Notify affected users within 72 hours
Provide details of the incident
Offer mitigation steps
Cooperate with regulatory authorities

7.4 Data Retention

We retain your data:

While your account is active
For 7 years after account closure (regulatory requirement)
As required by law or legitimate business purposes

8. Disclaimers and Limitations of Liability

8.1 "As Is" Service

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, INCLUDING:

Implied warranties of merchantability
Fitness for a particular purpose
Non-infringement
Accuracy, completeness, or reliability

8.2 No Investment Advice

ClearView-WOW does NOT provide investment advice. The Platform provides tools and analytics, but:

You are responsible for your investment decisions
We do not recommend specific securities or strategies
Historical performance does not guarantee future results
You should consult independent financial advisors

8.3 Third-Party Data

We are not responsible for:

Errors in third-party data (market data, custodian feeds, etc.)
Delays or interruptions in third-party services
Actions of third-party providers

8.4 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

We are NOT liable for:

Indirect, incidental, consequential, or punitive damages
Loss of profits, revenue, data, or business opportunities
Investment losses or trading decisions
Service interruptions or data loss

Maximum Liability: Our total liability to you shall not exceed the fees paid by you in the 12 months preceding the claim.

8.5 Exceptions

Some jurisdictions do not allow limitation of liability for certain types of damages. In such cases, our liability is limited to the extent permitted by applicable law.

9. Indemnification

You agree to indemnify, defend, and hold harmless ClearView-WOW, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

Your use or misuse of the Platform
Violation of these Terms
Violation of any laws or third-party rights
User Data you provide
Your investment decisions

10. Service Availability and Support

10.1 Uptime

We strive for high availability but do not guarantee uninterrupted service. The Platform may be unavailable due to:

Scheduled maintenance (notified in advance)
Emergency maintenance
Force majeure events
Third-party service failures

Target Uptime: 99.5% (excluding scheduled maintenance)

10.2 Support

Support is provided via:

Email: support@clearview-mgp.com
Live Chat: In-platform (business hours)
Phone: Available for Enterprise plans

Support Hours:

Standard: Business hours (9am-5pm GMT, Mon-Fri)
Enterprise: 24/7 priority support

10.3 Modifications to Service

We may modify, suspend, or discontinue any feature or service at any time with reasonable notice.

11. Termination

11.1 Termination by You

You may terminate your account at any time by:

Using the account deletion feature in Settings
Contacting support@clearview-mgp.com

Effect: Access terminates immediately; no refunds for unused subscription periods.

11.2 Termination by Us

We may suspend or terminate your account if:

You violate these Terms
You fail to pay fees
You engage in fraudulent or illegal activity
Your account poses a security risk
Required by law or regulatory authority

Notice: We will provide notice when possible, but may terminate immediately for serious violations.

11.3 Effect of Termination

Upon termination:

Your access to the Platform ceases immediately
We may delete your data after the retention period
You must cease all use of the Platform
Sections that should survive termination remain in effect

11.4 Data Export

Before termination, you may export your data using our data export tools (Settings > Privacy > Export Data).

12. Dispute Resolution

12.1 Governing Law

These Terms are governed by the laws of England and Wales, without regard to conflict of law principles.

12.2 Arbitration Agreement

Any dispute arising from these Terms shall be resolved through binding arbitration, except:

Claims for injunctive or equitable relief
Small claims court actions
Intellectual property disputes

Arbitration Rules:

London Court of International Arbitration (LCIA) Rules
Single arbitrator
English language
London, UK venue

Class Action Waiver: You agree to resolve disputes individually, not as part of a class action.

12.3 Informal Resolution

Before initiating arbitration, you agree to attempt informal resolution by contacting legal@clearview-mgp.com.

12.4 Exceptions

Some jurisdictions do not permit mandatory arbitration. In such cases, disputes will be resolved in the courts of England and Wales.

13. General Provisions

13.1 Entire Agreement

These Terms, together with the Privacy Policy and any additional terms, constitute the entire agreement between you and ClearView-WOW.

13.2 Severability

If any provision is found invalid or unenforceable, the remaining provisions remain in full effect.

13.3 Waiver

Failure to enforce any provision does not constitute a waiver of that provision or any other provision.

13.4 Assignment

You may not assign or transfer these Terms without our written consent. We may assign these Terms to any successor or affiliate.

13.5 Force Majeure

We are not liable for delays or failures due to events beyond our reasonable control (natural disasters, war, strikes, pandemics, etc.).

13.6 Notices

To You: Via email to your registered address or in-platform notification.

To Us: Via email to legal@clearview-mgp.com or postal mail:

ClearView-WOW Limited Legal Department 123 Financial District London EC2N 2DB United Kingdom

13.7 Survival

Provisions that by their nature should survive termination shall survive, including: intellectual property rights, disclaimers, limitations of liability, indemnification, and dispute resolution.

13.8 Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights.

13.9 Language

These Terms are written in English. Any translations are provided for convenience only. In case of conflict, the English version prevails.

14. Regulatory and Compliance Information

14.1 Regulatory Status

ClearView-WOW Limited is a technology platform provider. We are:

NOT a regulated investment firm
NOT a broker-dealer
NOT a custodian or depositary
NOT authorized to provide investment advice

14.2 Professional Investors Only

Our services are designed for and directed at:

Professional investors (MiFID II definition)
Institutional investors
Investment managers and advisors
Corporate treasury departments

Retail investors should seek appropriate advice before using the Platform.

14.3 Jurisdictional Restrictions

The Platform may not be available or suitable in all jurisdictions. You are responsible for ensuring that your use complies with local laws.

Currently Available In:

United Kingdom
European Union
United States
Other jurisdictions upon request

14.4 AML/KYC Compliance

We conduct Know Your Customer (KYC) and Anti-Money Laundering (AML) checks as required by law. You agree to:

Provide required identification and documentation
Update information when requested
Cooperate with compliance inquiries

Failure to complete verification may result in account suspension or termination.

15. Specific Features and Functionality

15.1 API Access

If you use our API:

You must comply with API documentation and rate limits
You are responsible for securing your API keys
We may revoke API access for violations or abuse
API usage is subject to additional terms

15.2 Third-Party Integrations

Integrations with third-party services (custodians, market data, etc.) are subject to:

Third-party terms and conditions
Data sharing permissions
Service availability and reliability of third parties

15.3 Beta Features

Beta or experimental features are provided "as is" with no warranties. We may discontinue beta features at any time.

15.4 Custom Development

Custom development services are subject to separate agreements and statements of work.

16. Contact Information

General Inquiries:

Email: info@clearview-mgp.com
Phone: +44 20 1234 5678

Support:

Email: support@clearview-mgp.com
Live Chat: Available in platform

Legal & Compliance:

Email: legal@clearview-mgp.com
DPO: dpo@clearview-mgp.com

Postal Address: ClearView-WOW Limited 123 Financial District London EC2N 2DB United Kingdom

Business Registration:

Company Number: 12345678
VAT Number: GB123456789

Acknowledgment

BY CLICKING "I ACCEPT" OR BY USING THE PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.

Document History

Version 3.0.0 - December 15, 2024

Major update to arbitration provisions
Enhanced data privacy sections
Updated regulatory compliance information

Version 2.5.0 - September 1, 2024

Added API terms and conditions
Updated fee structure
Clarified service descriptions

Version 2.0.0 - June 1, 2024

Complete rewrite for GDPR compliance
Added jurisdictional restrictions
Enhanced security provisions

Previous versions available upon request: legal@clearview-mgp.com

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