Terms & Conditions

These general terms and conditions (hereinafter referred to as the “Terms of Use") govern the contractual relationship between Curo ApS, CVR no. 41 48 21 41, Gammelbro 70E, 1-1, 7190 Billund, Denmark (hereinafter referred to as "Curo") and you (hereinafter referred to as the "User") regarding your registration and use of the features and software in the mobile application, StoxIQ, developed by Curo (the "App"), including all related services and information provided or made available to you through the App.

The User must read these Terms of Use carefully and expressly agrees to the Terms of Use when creating an account in the App.

These Terms of Use can be accessed in the App and on the website www.stoxiq.com. The Terms of Use may be modified or updated by Curo at any time. It is the at any time available Terms of Use that applies between Curo and the User.

In addition to these Terms of Use, the User should also carefully read Curo's Privacy Policy, which explains what use Curo will make of any personal information the User may provide or Curo may collect. The Privacy Policy can be accessed in the App and on the website www.stoxiq.com.

THE APP DOES NOT PROVIDE ANY ADVICE ON INVESTMENTS

The content of the App is solely based on historical performance of the specific securities and the general market developments. Past performance and market developments may not be indicative for future results and market developments. There can be no assurance that future performance of any specific security referred to directly or indirectly in the App, will be profitable, equal or suitable for the User.

The content of the App is not intended to be, and do not constitute, financial advice, investment advice, trading advice or any other advice or recommendation of any sort offered or endorsed by Curo. The content of the App is offered exclusively as general information. Therefore, the content of the App is not intended to be a substitute for professional and personal advice.
The content of the App does not consider individual circumstances of the User, e.g. the knowledge and experience of the User, the financial situation of the User, the investment objectives of the User or the ability of the User to bear losses if investments are made.

As the content of the App is offered exclusively as general information, the User should seek personal and professional advice before considering or making any investment decisions. 

The content of the App, such as information on historical performance and historical market developments, may not at all times be accurate, up to date or applicable to the circumstances of any particular case.

CURO CAN NOT BE HELD LIABLE FOR ANY LOSSES EXPERIENCED BY THE USER WHATSOVER

Curo may under no circumstances be held responsible or liable in any way for any claims, damages, losses, expenses, costs or liabilities whatsoever (including, without limitation, any direct or indirect damages for loss of profits, business interruption or loss of information) resulting or arising directly or indirectly from the User's use of, or inability to use, the App, or from the User's reliance on the services and information provided through the App.

Curo makes no representation, warranty or guarantee as to, and will not be responsible for, the accuracy or completeness of any information provided to the User through the App.

REQUIREMENTS FOR THE USE OF THE APP

To use the App, the User must meet the following requirements:
have a valid subscription,
be at least 18 years old,
understand and acknowledge to seek personal and professional advice before making any investments, and
have accepted these Terms of Use.

OBLIGATIONS OF THE USER

The user account is personal and cannot be transferred. The User must be the only person using the User's account. The User must take appropriate measures to ensure the confidentiality of the login data and other user account information.
If the User is at fault (intent or negligence), the User is liable for all liabilities or damages arising from the use of the App.
The User is obliged to keep the user account information updated, including information regarding contact information.

NOTIFICATIONS

When creating the user account, the User accepts that Curo may send individual messages as well as automated notifications as part of the operations of the App.

CHANGES TO THE TERMS OF USE AND THE APP
Curo may change, amend or modify these Terms of Use and/or the App at any time where it has a reason for doing so, including, but not limited to (i) changing the quality or characteristics of the App; and/or (ii) complying with changes in the law. Whenever a change is made to these Terms of Use, Curo will post a notification in the App and on the website.
By continuing to use the App after any amendment, modification or change to the Terms of Use has been notified to the User or published on the website, the User agrees to be bound by any such amendments, modifications, and changes.

INTELLECTUAL PROPERTY

All copyrights, trademarks, trade names, logos and other intellectual property rights held and used by Curo as well as those present in the App or on the website (including titles, graphics, icons, scripts, source codes etc.) are the property of Curo or third-party licensors and may not be reproduced, distributed, sold, used, modified, copied, limited or used (in whole or in part) without Curo's prior written permission.

DURATION AND TERMINATION

Curo has the right to suspend, close and/or terminate the User's account without notice if Curo deems that the User is not using the App in a morally acceptable, fair and/or lawful way of in compliance with these Terms of Use. Curo also has the right to remove any content the User has stored and/or shared in the App for any reason.
The User may claim a refund in accordance with the terms and conditions of the relevant online app store.

COMPLAINTS

The User shall file a complaint or raise a claim through the following communication channels:
Curo ApS
Gammelbro 70E, 1-1
DK-7190 Billund
CVR no. 41482141
info@curoinvesting.com

APPLICABLE LAW AND JURISDICTION

Any dispute arising out of or in connection with these Terms of Use is governed by the laws of Denmark excluding any choice of law rules provided that any such rules would lead to the application of other laws than the laws of Denmark. Any disputes must be decided by the Danish courts. The City Court of Copenhagen shall be the first instance court.

These Terms of Use are applicable from [1 October 2021]. These Terms of Use shall remain effective until a more recent version is released. The prevailing version of these Terms of Use and can always be accessed in the App and on the website.