Terms of the Elegant Investor Library

§1. General provisions

1.1. The Service Provider runs a blog on the Platform under the name Elegant Investor Library, in which it publishes educational articles about investing on the stock market and about personal finance.

1.2. These Terms set out the rules for using that blog, including the rules of access to the articles and the rules for posting comments.

1.3. Terms written with a capital letter in these Terms have the meaning given to them in paragraph 2. Terms not defined in paragraph 2 have the meaning given to them in paragraph 2 of the Terms and Conditions of Using the Platform.

1.4. In matters not covered by these Terms, the Terms and Conditions of Using the Platform apply.

§2. Definitions

2.1. Library. The blog run by the Service Provider under the name Elegant Investor Library, available at www.elegantinvestors.com/blog. The rest of these Terms uses the word Library.

2.2. Service Provider. Kinga Stigter, operating the Platform.

2.3. Platform. The website available at www.elegantinvestors.com together with all its features.

2.4. User. A natural person using the Platform. These Terms use the feminine form because of the character of the brand, and the rules apply equally to everyone using the Platform regardless of gender.

2.5. Account. An individual User profile on the Platform, opened free of charge, allowing the use of materials and the purchase of the Service Provider's products.

2.6. Subscription. Paid access to the Service Provider's products in a subscription model, offered under the name Elegant Learning Paths in three paid variants differing in scope, that is Elegant Growth, Elegant Alumni and Elegant Circle. The scope of each variant, the way it is acquired and its duration are set out in the Terms of the Elegant Learning Paths.

2.7. Article. A single text material published in the Library.

2.8. Thematic collection. A separate part of the Library gathering Articles devoted to one area of investing. Paragraph 3 lists the thematic collections.

2.9. Tag. A word or expression assigned to an Article, indicating the subject discussed in it or the Subscription under which the Article is available.

2.10. Free Article. An Article whose full content is available to everyone visiting the Library.

2.11. Subscription Article. An Article whose full content is available only to Users holding an active Subscription covering that Article.

2.12. Announcement. A publicly available entry in the Library giving information about a Subscription Article and about the conditions of access to it.

2.13. Comment. Content posted by a User under a Free Article or under an Announcement.

§3. The structure of the Library

3.1. The Library is divided into 8 thematic collections.

3.2. Those collections are Elegant Investor Community, First Steps for Elegant Investors, Insights into Global Markets, Recommended Tools and Resources, Investment Strategies, How Wealthy People Think and Operate, Psychology and Investing Mindset, and AI Tools and Support. Their current list is shown on the main page of the Library.

3.3. Every Article is assigned to one thematic collection and marked with Tags.

3.4. The main page of the Library shows the published Articles and Announcements starting from the most recent entry, divided into pages. The list may be narrowed to a chosen thematic collection or to a chosen Tag. The Library has a search function.

3.5. Next to every entry on the list the Service Provider shows its title, its introduction, the date of publication, the author, the Tags assigned, the number of views and the number of Comments.

3.6. The Service Provider may create new thematic collections, change their names and move Articles between them.

§4. The character of the Articles published

4.1. The Articles are educational and informational only.

4.2. The Articles are not investment recommendations and not investment, legal or tax advice.

4.3. Naming a company, a fund, a financial instrument, a broker or another entity in an Article serves to illustrate the subject discussed and is not an encouragement to buy or to sell.

4.4. Every User makes her investment decision herself, on the basis of her own analysis and her own financial situation.

4.5. An Article presents the state of knowledge and the data current on the day it was published. The Service Provider does not undertake to update published Articles.

4.6. An Article may contain links to other Articles, to the Service Provider's products and to external sources. The Service Provider is not liable for content available in external sources.

4.7. The liability of the Service Provider for educational content is set out in paragraph 20 of the Terms and Conditions of Using the Platform.

§5. Free Articles

5.1. Some of the Articles are free of charge.

5.2. A Free Article is available in full to everyone visiting the Library, including a person who has no Account and is not logged in.

5.3. Reading a Free Article does not require a contract with the Service Provider or the giving of personal data.

5.4. Posting a Comment under a Free Article requires an Account on the terms set out in paragraph 8.

§6. Subscription Articles

6.1. The remaining Articles are available only under a Subscription.

6.2. The Service Provider assigns every Subscription Article to one of 3 access groups, which differ in which variants of the Subscription cover the Article.

6.3. An Article from the first group is available in all variants of the Subscription, that is under Elegant Growth, Elegant Alumni and Elegant Circle. An Article from the second group is available under Elegant Alumni and Elegant Circle. An Article from the third group is available only under Elegant Circle.

6.4. The Tag next to an Announcement indicates the variants of the Subscription under which the Article is available. The content of the Announcement gives the same information.

6.5. For every Subscription Article the Service Provider publishes an Announcement in the Library. The Announcement contains an introduction to the subject and a description of the matters discussed in the Article, and is available to everyone visiting the Library.

6.6. The Announcement contains a link to the full content of the Article and a link to the page describing the variants of the Subscription.

6.7. The full content of a Subscription Article is made available on a separate page of the Platform, access to which is assigned to the User's Account. Opening that page by a person without access ends with a message about the lack of permission.

6.8. The pages with the full content of Subscription Articles are not made available to internet search engines.

6.9. Access to a Subscription Article lasts as long as the Subscription covering that Article lasts. Once it ends the Announcement stays available and the full content stops being visible.

§7. Publishing and withdrawing Articles

7.1. The Service Provider publishes new Articles on an ongoing basis, with no fixed schedule.

7.2. The number of Articles in the Library changes and is not part of the contract.

7.3. The Service Provider may correct and add to published Articles, and may also withdraw an Article, in particular where its content is no longer up to date.

7.4. The Service Provider may extend access to a published Subscription Article to further variants of the Subscription. Access to an Article already published is narrowed only on the terms set out in paragraph 17 of the Terms and Conditions of Using the Platform.

§8. Comments

8.1. Under a Free Article and under an Announcement the Service Provider makes a Comments section available.

8.2. Posting a Comment requires an Account and being logged in. A person who is not logged in sees the Comments section together with a link to the login page.

8.3. Posting a Comment does not require the collection of karma points, that is the points awarded for activity on the Platform on the terms set out in paragraph 10 of the Terms and Conditions of Using the Platform.

8.4. A Comment is signed with the name assigned to the User's Account.

8.5. Comments are visible to everyone visiting the Library, including a person who is not logged in.

8.6. The Comments section serves for asking questions about the content of an Article and for exchanging experience.

8.7. Posting in Comments the content listed in paragraph 9 of the Terms and Conditions of Using the Platform is not allowed.

8.8. Posting in Comments an indication to buy or to sell a particular financial instrument, an encouragement to use the services of a particular entity, and the personal data of third parties is also not allowed.

8.9. The Service Provider does not assess in Comments the financial situation or the portfolio of a User and does not indicate what investment decision a User should make.

8.10. The Service Provider moderates Comments and may remove without notice a Comment that breaches the rules given in points 8.7 and 8.8.

8.11. The consequences of repeated breaches of the rules for publishing content are set out in paragraph 9 of the Terms and Conditions of Using the Platform.

8.12. The Service Provider is not liable for the content of Comments posted by Users.

8.13. The Library does not offer a function for rating Articles.

§9. Sharing Articles and copyright

9.1. A User may share a Free Article with other people and on social media. Sharing consists in passing on a link to that Article in the Library.

9.2. An Announcement may be shared on the terms given in point 9.1.

9.3. The full content of a Subscription Article is intended for the User's own use and may not be shared with people who do not have access to it.

9.4. Copyright in the Articles and the rules for using them are set out in paragraph 19 of the Terms and Conditions of Using the Platform.

9.5. By posting a Comment the User allows the Service Provider to publish it in the Library free of charge.

§10. Availability of the Library

10.1. The Service Provider makes every effort for the Library to work without interruption.

10.2. The technical requirements are set out in paragraph 5 of the Terms and Conditions of Using the Platform.

10.3. The Service Provider may introduce technical breaks. It gives information about a planned break on the Platform in advance.

10.4. If access to Subscription Articles remains impossible for reasons attributable to the Service Provider for longer than 7 days, the User may request that the Subscription be extended by the length of the interruption.

§11. Personal data

11.1. The controller of Users' personal data is the Service Provider.

11.2. The rules for processing personal data, including the data given when opening an Account and the data contained in Comments, are set out in the Privacy Policy.

11.3. A Comment together with the User's signature stays visible in the Library until it is removed.

§12. Complaints

12.1. Complaints concerning the working of the Library and access to the Articles are made by the User on the terms set out in paragraph 16 of the Terms and Conditions of Using the Platform.

§13. Changes to these Terms

13.1. The Service Provider may change these Terms for important reasons, in particular after a change in the way the Library works or after a change in the law.

13.2. The Service Provider gives information about a change in accordance with paragraph 22 of the Terms and Conditions of Using the Platform.

13.3. The date of the last update of these Terms is given at the beginning of the document. Previous versions of these Terms are archived.