1) Website Terms & Conditions (Last Updated February 2026)

1.1 About these Terms

These Terms & Conditions (“Terms”) govern your access to and use of www.ifos.academy / www.investmentfirmos.com (the “Website”) and any related content, products, services, communities, events, calls, templates, playbooks, checklists, workshops, videos, and materials (together, the “Services”).

By accessing the Website or using any Services, you confirm that you have read, understood and agree to be bound by these Terms. If you do not agree, do not use the Website or Services.

Who we are: The Services are provided by Investment Firm OS.
Contact: info@investmentfirmos.com 

1.2 Eligibility

You must be at least 18 years old to use the Website and Services. By using them, you warrant that you are legally capable of entering into a binding contract.

1.3 Changes to the Website, Services, and Terms

We may update the Website, Services, and/or these Terms from time to time. The latest version will always be posted on the Website with an updated “Last updated” date. Your continued use after changes take effect constitutes acceptance of the updated Terms.

1.4 Accounts, passwords and security

If you create an account, you must provide accurate information and keep your login details confidential. You are responsible for all activity on your account. Notify us immediately if you suspect unauthorised use.

We may suspend or terminate accounts that breach these Terms or that we reasonably believe are being used unlawfully or fraudulently.

1.5 Acceptable use

You agree not to:

• use the Website/Services in any way that breaches applicable law or regulation;

• post or share unlawful, harmful, abusive, defamatory, discriminatory, or misleading content;

• upload malware or attempt to gain unauthorised access to systems;

• scrape, copy, harvest, or extract data or content without permission;

• infringe intellectual property rights or confidentiality obligations;

• impersonate others or misrepresent your affiliation.

We may remove content and/or suspend access where we reasonably consider it necessary to protect users, our business, or comply with law.

1.6 Community, forums, events and group calls (if applicable)

If you participate in any community, forum, group call, or in-person/virtual event:

• you are responsible for what you post or say;

• you must treat others professionally and respectfully;

• you must not share other participants’ confidential information;

• you acknowledge that any comments from other members are their own and not endorsed by us.

We may moderate, remove content, and/or exclude participants to maintain standards and safety.

1.7 Intellectual property

All Website content and Services (including videos, text, graphics, templates, frameworks, brand assets, and course materials) are owned by us or our licensors and are protected by intellectual property laws.

Subject to payment (where applicable) and your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the materials for your personal use only.

You must not, without our prior written consent:

• copy, reproduce, distribute, sell, sublicense, publish, or publicly display our materials;

• adapt, reverse engineer, decompile, or create derivative works (except where permitted by law);

• share login credentials or provide access to non-authorised users.

1.8 User content you submit

If you submit content (posts, comments, documents, feedback), you grant us a worldwide, royalty-free licence to host, store, display, and use it to operate and improve the Services. You confirm you have the rights to submit it and that it does not violate law or third-party rights.

1.9 Payment, subscriptions, and renewals (if applicable)

If you buy a paid product or subscription:

• prices are as stated at checkout and may be subject to taxes/VAT where applicable;

• recurring monthly subscriptions for the Elite & Pro plans renew automatically unless cancelled before the renewal date (details at checkout);

• we use third-party payment processors and you agree to their terms as required.

1.10 Refunds and cooling-off 

If you purchase digital content and you access/download/stream it, you acknowledge that you may lose any statutory cancellation right once performance has begun, to the extent permitted by applicable consumer law. All payments made are non-refundable. 

1.11 No guarantee of outcomes

We do not guarantee any particular outcome, results, fundraising success, investor interest, regulatory approval, or profitability. Your outcomes depend on many factors outside our control (market conditions, execution, quality of materials, timing, jurisdiction, team capability, commitment etc.).

 

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1.12 No broking, no agency, no arranging, no dealing 

To the fullest extent permitted by law, you acknowledge and agree that:

1. No broking / no placing. We do not act as a broker, placement agent, introducer acting as an agent, or intermediary in relation to any investment, fundraising, transaction, or capital raise.

2. No arranging / no dealing. We do not “arrange”, “deal in”, “execute”, “structure”, “negotiate”, “advise on”, or otherwise participate in the making of investment deals or the conclusion of transactions between any parties. Any discussions you may have with third parties are conducted directly between you and the third party, at your sole discretion and responsibility.

3. No agency / no authority. We do not act as your agent, representative, fiduciary, or authorised signatory. We have no authority to bind you (or any third party) to any contract, term sheet, commitment, subscription, side letter, NDA, LOI, or other arrangement.

4. No client relationship / no fiduciary duty. Your use of the Website/Services does not create an advisory relationship, client relationship, fiduciary relationship, or agency relationship.

5. No custody / no client money. We do not receive, hold, control, transmit, safeguard, or administer client money, investor monies, subscription monies, or assets.

6. Your responsibility. You are solely responsible for (i) your communications with investors and counterparties, (ii) ensuring compliance with applicable laws and regulations (including financial promotions and marketing rules), and (iii) obtaining independent legal, regulatory, tax, and financial advice.

For avoidance of doubt: any interaction with investors or third parties is conducted directly by you; we are not a party to, and have no involvement in, negotiations or execution of any transaction.

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1.13 Third-party links and services

The Website may reference third-party websites, tools, platforms, or resources. We do not control them and are not responsible for their content, availability, or performance. Your use of third-party services is at your own risk and subject to their terms.

1.14 Disclaimers and limitation of liability

The Website and Services are provided on an “as is” and “as available” basis. We do not warrant that the Website will be uninterrupted, error-free, or free from viruses (though we take reasonable steps to maintain security).

To the fullest extent permitted by law:

• we exclude all implied warranties and conditions;

• we will not be liable for any indirect, consequential, special or punitive losses, or for loss of profits, revenue, business, goodwill, data, or opportunity;

• our total aggregate liability arising out of or in connection with the Services shall not exceed the amount you paid to us for the relevant Service in the last 30 days preceding the event giving rise to the claim (or £25 if you paid nothing), except where liability cannot be limited by law.

Nothing in these Terms limits or excludes liability for:

• death or personal injury caused by negligence;

• fraud or fraudulent misrepresentation; or

• any other liability that cannot be excluded by applicable law.

1.15 Indemnity

You agree to indemnify us against losses, claims, damages, and expenses (including reasonable legal fees) arising from your breach of these Terms, misuse of the Services, or infringement of third-party rights.

1.16 Suspension and termination

We may suspend or terminate access immediately if you breach these Terms or if we reasonably consider it necessary to protect the Website, Services, other users, or comply with law. Clauses intended to survive termination will do so (including IP, disclaimers, limitation of liability, indemnity, governing law).

1.17 Privacy and cookies

Your use of the Website is also governed by our Privacy Policy and Cookie Policy at [links].

1.18 Governing law and jurisdiction

These Terms are governed by the laws of England & Wales. The courts of England & Wales have exclusive jurisdiction, except where mandatory consumer protections apply.

 

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2) Investment Education Disclaimer 

2.1 Educational information only – not advice

All content and Services are provided for general educational and informational purposes only. Nothing on the Website or in the Services constitutes (or should be relied upon as) financial advice, investment advice, legal advice, tax advice, accounting advice, or regulatory advice.

You should obtain independent professional advice (legal, regulatory, tax, and financial) before making decisions relating to investments, fund formation, fundraising, marketing, or any regulated activity.

2.2 No offer, solicitation, or financial promotion

Nothing on this Website constitutes an offer, invitation, inducement, or solicitation to:

• buy or sell any security or financial instrument;

• invest in any fund or investment strategy; or

• engage in any investment activity.

Any examples, frameworks, or case studies are illustrative only and may not be appropriate for your circumstances.

2.3 No client relationship / no fiduciary duty

Your use of the Website and Services does not create a client relationship, advisory relationship, fiduciary relationship, or agency relationship between you and us.

2.4 No reliance and verification

You are responsible for conducting your own due diligence and verification. We make no representation that information is complete, current, or applicable to your jurisdiction. You should not rely on any information as a basis for making investment, legal, tax, or regulatory decisions.

2.5 Performance, projections, and forward-looking statements

Any forecasts, projections, target returns, pipeline estimates, or forward-looking statements are inherently uncertain and for illustration only. Past performance (if referenced) is not a reliable indicator of future results. Actual outcomes may differ materially.

2.6 Investment and business risk warning

Investing and operating investment businesses involves substantial risk. You may lose money, incur liabilities, suffer reputational damage, or breach legal/regulatory requirements if you act without appropriate professional advice and controls. You accept full responsibility for your decisions and outcomes.

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2.7 No regulated activity / no broking / no arranging / no agency 

Nothing on the Website or in the Services constitutes broking, arranging, dealing, or agency activity. We do not:

• bring about, structure, negotiate, or conclude investment transactions;

• act on behalf of any party in relation to investment commitments, capital raises, or subscriptions; or

• accept, handle, or transmit client money or assets.

If we facilitate any networking, events, communities, or access to third parties, this is provided on a non-reliance, informational basis only and you remain fully responsible for your decisions, due diligence, negotiation, legal documentation, and regulatory compliance.

For avoidance of doubt: any interaction with investors or third parties is conducted directly by you; we are not a party to, and have no involvement in, negotiations or execution of any transaction.

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2.8 Third-party content and guests

Opinions expressed by guest speakers, community members, or third parties are their own and do not necessarily reflect our views. We are not responsible for third-party statements or materials.

2.9 Regulatory status 

We are not authorised or regulated by any financial services regulator and do not provide regulated investment advice or arrange deals in investments.