What’s in these terms?

These terms tell you the rules for using our website www.mintus.com (our site).

Who we are and how to contact us

www.mintus.com is a site operated by Mintus Trading Limited (“We”). We are registered in the United Kingdom under company number 12643726 and have our registered office at Aston House, Cornwall Avenue, London, United Kingdom, N3 1LF Our main trading address is at Aston House, Cornwall Avenue, London, United Kingdom, N3 1LF

Mintus is authorised and regulated by the Financial Conduct Authority (FCA). As such, we are subject to the FCA Rules in our dealings with you.

To contact us, please email support@mintus.com

By using our site you accept these terms

By using our site, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms, you must not use our site. We recommend that you print a copy of these terms for future reference.

There are other terms that may apply to you

These terms of use refer to the following additional terms, which also apply to your use of our site:

Our Privacy Policy‍Our Cookie Policy

If you choose to acquire or sell any interest in an investment promoted on our site our Investment Terms and Conditions will apply to that transaction.

We may make changes to these terms

We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time. These terms were most recently updated in October 2022.

We may make changes to our site

We may update and change our site from time to time to reflect changes to our services, our users’ needs and our business priorities. We will try to give you reasonable notice of any changes which significantly affect your rights.

We may suspend or withdraw our site

Our site is made available free of charge. We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

We may terminate your right to use our site

We may terminate or suspend your account at any time, without liability to you. Your right to use our site will automatically terminate if you breach these terms of use. Termination will not relieve either party from any obligations incurred or arising prior to such termination, and those sections of these terms of use which are by their nature intended to survive termination will so survive.

We may transfer this agreement to someone else

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.

Local compliance

We make no representation that our site, or your use thereof, will comply with any laws or regulations applicable to you in your jurisdiction(s), regarding tax treatment or otherwise. You are responsible for your compliance with applicable local laws.

You must keep your account details safe

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at support@mintus.com. You will be responsible for any actions taken using your credentials.

How you may use material on our site

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged. You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors. If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Do not rely on information on this site

The content on our site is provided for general information only. Neither we, nor our site or content, provide tax, financial, investment, or other professional advice. You should consult professional advisors about the tax, financial, or investment consequences of your activities. We cannot guarantee any specific results from use of our site.

Your use of our site and content is at your sole risk and our site is provided on an “as is” and “as available” basis. We and our licensors expressly disclaim all warranties of any kind related to our site and content, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, or that use of our site will be uninterrupted or error-free or the content will be complete or accurate. We are not responsible for any problems or technical malfunction of any electronic network or lines, servers, software, or failure of transmission as a result of technical problems or traffic congestion on the internet or on our site, including any injury or damage to any person's computer resulting from accessing our site. We do not represent and cannot guarantee any specific results from use of our site or content.

We are not responsible for websites we link to

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We have no control over the contents of those sites or resources.

User-generated content is not approved by us

Our site may include information and materials uploaded by other users of the site, including to bulletin boards. This information and these materials have not been verified or approved by us. The views expressed by other users on our site do not represent our views or values.

How to complain about content uploaded by other users

If you wish to complain about content uploaded by other users, please contact us on support@mintus.com.

Our responsibility for loss or damage suffered by you

Whether you are a consumer or a business user:

• You acknowledge and accept that our site operates as a forum intended to facilitate the making of investment in companies or opportunities in respect of which information is provided on our site. Our site does not make recommendations. We do not assume any liability in respect of the performance of any of the investments available through our site.
• We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.
• Different limitations and exclusions of liability will apply to liability arising as a result of any decision to acquire or dispose of any investment through our site. The relevant limitations and exclusions of liability in such circumstances are set out our Investment Terms and Conditions.

If you are a business user:

• We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.
• We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
• use of, or inability to use, our site; or
• use of or reliance on any content displayed on our site.

In particular, we will not be liable for:

• loss of profits, sales, business, or revenue;
• business interruption;
• loss of anticipated savings;
• loss of business opportunity, goodwill or reputation;
• or any indirect or consequential loss or damage.

If you are a consumer user:

• Please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

Other limits on liability

To the fullest extent allowed by applicable law, neither we nor our licensors will be liable for any indirect, incidental, special, consequential or exemplary damages resulting from the use of or the inability to use our site, under any legal theory whatsoever (including, without limitation, tort, contract, strict liability, or otherwise) and even if we have been advised of the possibility of such damages. To the fullest extent allowed by applicable law, neither we nor our licensors will be liable to you for any aggregate amount exceeding the amounts paid by you to us in the three months preceding the events giving rise to the claim (if any) or $25 USD.

Release and indemnity

To the maximum extent permitted by applicable law, you will release, defend, indemnify, and hold us, our past, present, and future affiliates, licensors, licensees, marketing partners, and suppliers, together with their respective officers, directors, employees, and agents, harmless from and against any damages, losses, claims, actions or demands, liabilities and settlements including without limitation reasonable legal and accounting fees, resulting from your use of the site, any content you have submitted, or your violation of these terms of use. We may opt to defend such claims at our sole discretion, in which case you will indemnify us for the costs of such defense.

California residents hereby waive California civil code section 1542, which states: “a general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release, and that if known by him or her would have materially affected his or her settlement with the debtor or released party.”

Force majeure

We will not be responsible or liable for any delays or failures to perform due to causes beyond our reasonable control, which may include natural disasters, terrorist attacks, criminal activity, failure of internet or communications networks, health emergencies including pandemics or similar serious outbreaks of disease, or other force majeure events.

How we may use your personal information

We will only use your personal information as set out in our Privacy Policy

Uploading content to our site

Whenever you make use of a feature that allows you to upload content to our site, or to make contact with other users of our site, you must comply with the content standards set out in the “Acceptable use” section below. You warrant that any such contribution does comply with those standards, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty. Any content you upload to our site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us and other users of our site a limited licence to use, store and copy that content and to distribute and make it available to third parties. The rights you license to us are described in the “Rights you are giving us to use material you upload” section below. We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy. We have the right to remove any posting you make on our site if, in our opinion, your post does not comply with the content standards set out in the “Acceptable use” section below. You are solely responsible for securing and backing up your content. We do not store terrorist content.

Suggestions

If you provide feedback, suggestions, improvements, or requests for additional functionality related to our site (collectively, “Suggestions”), you grant us an unrestricted, perpetual, irrevocable, royalty-free, worldwide licence to use, reproduce, display, perform, modify, transmit, distribute, and create derivative works of such Suggestions in any way we deem reasonable, without any attribution or accounting to you. This paragraph will survive any termination or expiration of these terms and conditions or of your account on our site.

Acceptable use

You will act in a professional, respectful, ethical, and lawful manner when using our site. You will not, directly or indirectly:

1. remove any trademark or copyright notices or watermarks contained in our site or any information, data, text, software, music, sound, photographs, graphics, video, messages, or other material or content incorporated into our site;
2. reproduce, modify, publish, distribute, transmit, disseminate, transfer, license, sell, lease, create derivative works based upon, or in any way commercially exploit our site or content;
3. use manual or automated means to trawl, mine, scrape, frame, or mirror our site or content;
4. disassemble, decompile or reverse engineer our site or content;
5. attempt to hack, defeat, or overcome any encryption technology or security measures regarding our site or our other systems or those of any third party, or gain any unauthorized access to any systems or accounts;
6. interfere with or disrupt the operation of our site or any other systems or otherwise interrupt or interfere with any other user’s use or enjoyment of our site;
7. promote illegal activity or violate any applicable local, state, national or international law;
8. post or transmit any content, or otherwise behave in any manner, that is or are discriminatory, unlawful, defamatory, abusive, harassing, threatening, indecent, pornographic, obscene, fraudulent or otherwise inappropriate or infringes any intellectual property or privacy or other rights of any person;
9. impersonate any person or misrepresent your identity or affiliation;
10. use our site in a way that may adversely affect us or reflect negatively on us, any of our goodwill, name or reputation;
11. provide any false or misleading information or any information that you do not have the right to provide; or
12. otherwise violate any of our published rules, policies, or guidelines.

Breach of the terms set out in this “Acceptable use” section constitutes a material breach of these terms of use, and may result in our taking any or all of the following actions:

• Immediate, temporary or permanent withdrawal of your right to use our site.
• Issue of a warning to you.
• Disclosure of such information to law enforcement authorities as we reasonably feel is necessary or as required by law.

The actions we may take are not limited to those described above, and we may take any other action we reasonably deem appropriate.

Rights you are giving us to use material you upload

When you upload or post content to our site, you grant us the following rights to use that content:

• a worldwide, non-exclusive, royalty-free, transferable licence to use, reproduce, distribute, prepare derivative works of, display, and perform that user-generated content in connection with the service provided by the website and across different media including to promote the site or the service forever;
• a worldwide, non-exclusive, royalty-free, transferable licence for other users, partners or advertisers to use the content in accordance with the functionality of the site forever.

We are not responsible for viruses and you must not introduce them

We do not guarantee that our site will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software. You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

Rules about linking to our site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link to our site in any website that is not owned by you. Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice. The website in which you are linking must comply in all respects with the content standards set out in the “Acceptable use” section above. If you wish to link to or make any use of content on our site other than that set out above, please contact support@mintus.com.

Which country’s laws apply to any disputes?

If you are a consumer, please note that these terms of use, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland. If you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

Our trade marks are registered

“Mintus” is a European Union registered trademark of Mintus Limited and is used by us under licence. You are not permitted to use them without our approval, unless they are part of material you are using as permitted under the “How you may use material on our site” section above.

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