Terms of Elegant Investors Talks

§1. General provisions

1.1. The Service Provider runs a discussion forum on the Platform under the name Elegant Investors Talks, intended for asking questions about investing and for exchanging experience between Users.

1.2. These Terms set out the rules for using that forum, including the rules of access, the rules for posting content, the content that is not allowed and the moderation procedure.

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. Forum. The discussion forum run by the Service Provider on the Platform under the name Elegant Investors Talks. The rest of these Terms uses the word Forum.

2.2. Service Provider. Kinga Stigter, operating the Platform, email address kinga.elegant.investors@gmail.com.

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. Conversation. An entry starting a new thread on the Forum.

2.8. Answer. An entry posted in the thread of a Conversation, relating to its content.

2.9. Comment. A short remark added to a Conversation or to an Answer.

2.10. Entry. A Conversation, an Answer or a Comment.

2.11. Tag. A word or expression indicating the subject a Conversation concerns. The list of Tags is set by the Service Provider.

2.12. Vote. Marking a Conversation or an Answer as helpful or as unhelpful.

2.13. Karma points. Points awarded for activity on the Platform on the terms set out in paragraph 10 of the Terms and Conditions of Using the Platform. On the Forum the number of points collected decides the scope of a User's rights.

§3. Access to the Forum

3.1. The Forum is closed. Its content is visible only to logged in Users holding access.

3.2. Access to the Forum is available to Users holding a Subscription in the Elegant Growth, Elegant Alumni or Elegant Circle variant. The scope of rights on the Forum is the same in all 3 variants.

3.3. Access to the Forum carries no separate charge and is included in the price of the Subscription.

3.4. Access is opened once the Subscription starts and is assigned to the User's Account.

3.5. Access ends together with the end of the Subscription. From that moment the Forum stops being visible to the User.

3.6. Entries posted by a User stay on the Forum after her access ends. Starting a Subscription again restores access.

3.7. The content of the Forum is not made available to internet search engines.

§4. The structure of the Forum

4.1. The Forum is run in discussion mode. Conversations are not closed by marking one Answer as correct.

4.2. The main page of the Forum shows the list of Conversations together with the Tags assigned to them, the number of Answers, the number of views and the date of the last activity.

4.3. The Forum has a search function and a list of Tags.

4.4. A User may narrow the list to her own Entries, to Conversations marked as favourites and to Conversations she follows.

4.5. Next to every Entry the name assigned to the author's Account is shown, together with her rank resulting from the number of karma points and the number of points she has collected.

§5. Posting Entries

5.1. A Conversation, an Answer and a Comment may be posted by every User holding access to the Forum. These actions do not require the collection of karma points.

5.2. A Conversation contains a title, content and Tags chosen from the list.

5.3. A Comment may be added both to one's own Entry and to the Entry of another person.

5.4. An Entry is published at once and does not require prior approval by the Service Provider.

5.5. An Entry is signed with the name assigned to the User's Account. The Forum does not provide for anonymous content.

5.6. A User may insert an image and a link into an Entry, subject to paragraph 12.

§6. Tags

6.1. The list of Tags is set by the Service Provider. A User may not create new Tags.

6.2. When starting a Conversation, a User chooses Tags from the list.

6.3. Changing the Tags assigned to a Conversation requires the collection of 45 karma points.

6.4. The Service Provider may add to the list of Tags and change the Tags assigned to a Conversation.

§7. Changing and removing one's own Entries

7.1. A User may change the content of her own Conversation and of her own Answer at any time. The change does not require the collection of karma points.

7.2. Removing one's own Conversation and one's own Answer requires the collection of 45 karma points.

7.3. Removing one's own Comment does not require the collection of karma points.

7.4. A User who has not collected the number of points given in point 7.2 may ask the Service Provider to remove her own Entry.

7.5. A User may not change or remove the Entries of other Users.

§8. Votes

8.1. A Conversation and an Answer may be voted as helpful or as unhelpful. Casting a Vote does not require the collection of karma points.

8.2. The sum of the Votes cast is shown next to a Conversation and next to an Answer.

8.3. Votes affect the order in which Conversations are shown on the list.

8.4. An unhelpful Vote serves to indicate that the content added nothing to the subject. It does not replace reporting an Entry for moderation.

§9. Karma points earned on the Forum

9.1. Starting a Conversation gives its author 3 karma points.

9.2. A helpful Vote on a Conversation gives its author 1 karma point.

9.3. A helpful Vote on an Answer gives its author 3 karma points.

9.4. An unhelpful Vote on an Entry does not lower the number of its author's karma points.

9.5. An Entry rejected by the Service Provider in moderation lowers the number of its author's karma points by 10.

9.6. The number of points collected is visible to the User on the Forum.

9.7. The rules for awarding points, ranks and badges are set out in paragraph 10 of the Terms and Conditions of Using the Platform and in the terms of awards and distinctions.

§10. Following Conversations and notifications

10.1. The author of a Conversation follows it from the moment it is posted. The Service Provider sends her a notification about every new Answer in that Conversation to the email address assigned to the Account.

10.2. A User may start following any Conversation. From that moment she receives notifications about new Answers in that Conversation.

10.3. A User may start following a chosen Tag. From that moment she receives notifications about new Conversations marked with that Tag.

10.4. A User may stop following a Conversation and stop following a Tag at any time.

10.5. The list of Conversations followed is available to the User on the Forum.

10.6. A User may mark a Conversation as a favourite. The marking is visible only to her.

10.7. The notifications given in this paragraph concern the Forum and are not commercial information. Signing up for the newsletter is separate from them.

§11. Rules of conduct in content posted

11.1. Users treat each other with respect.

11.2. Content concerns the subject and not the person who raised it.

11.3. Directing offensive content, content that ridicules another person, and vulgar language at another person is not allowed.

11.4. Presenting another person's approach to investing as senseless, mocking another person's investment decisions and commenting on the size of another person's capital are not allowed.

11.5. A difference of opinion about a strategy, an instrument or a way of analysing is natural. A User may present her own position together with the reasoning behind it, without questioning the competence of the person she is talking to.

11.6. A User does not reveal on the Forum the content of private correspondence with other Users or with the Service Provider.

11.7. A User does not ask on the Forum to be told what to invest in, and does not give such indications to others.

§12. Content not allowed on the Forum

12.1. The content given in points 12.2 to 12.12 is not allowed on the Forum.

12.2. Content breaching the law, including content calling for violence or for discrimination.

12.3. Content breaching the personal rights or the copyright of third parties.

12.4. Vulgar language and content offensive to other people.

12.5. Investment recommendations directed at other Users, in particular indicating a particular financial instrument to buy or to sell and giving the price levels at which it should be bought or sold.

12.6. Encouragements to use the services of a particular broker, bank, adviser or other entity, and also presenting their offers, promotions and referral programs.

12.7. Affiliate links and other links from which the person posting them gains a benefit.

12.8. Advertising of products and services, including one's own, and other material of a commercial character.

12.9. Job advertisements, recruitment notices, proposals of commercial cooperation and money collections.

12.10. Messages sent out in bulk, entries duplicated in several threads and entries unrelated to the subject of the Forum.

12.11. The personal data of third parties made available without a legal basis.

12.12. Content impersonating another person and Entries posted from a further Account opened by the same person.

12.13. A User is liable for the content she posts on the Forum.

§13. The character of the content on the Forum

13.1. Entries posted on the Forum are the content of their authors and reflect their own experience.

13.2. Entries are not investment recommendations and not investment, legal or tax advice. This also applies to the Entries of the Service Provider.

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

13.4. The Service Provider does not assess on the Forum the financial situation or the portfolio of a User and does not indicate what investment decision a User should make.

13.5. The Service Provider is not liable for the content of Entries posted by Users.

13.6. The Service Provider does not guarantee that every Conversation will receive an Answer.

§14. Reporting Entries and moderation

14.1. An Entry is published without prior approval, and the Service Provider checks it after publication.

14.2. A User who has collected at least 45 karma points may report an Entry for moderation directly on the Forum.

14.3. Regardless of point 14.2, everyone may report an Entry she considers unlawful or contrary to these Terms, through the contact form or to the address kinga.elegant.investors@gmail.com. The report should contain a link to the Entry, an explanation of the reason for the report and the contact details of the person making it.

14.4. The Service Provider confirms receipt of the report and considers it without undue delay, no later than within 14 days. The Service Provider gives information about the decision and the reasons for it to the person making the report, and where the decision concerns the Entry of a particular User, also to her.

14.5. The Service Provider may remove an Entry, limit its visibility, close a Conversation to further Answers and suspend a User's ability to post on the Forum.

14.6. The Service Provider may correct the title and the Tags of a Conversation to make it easier to find.

14.7. The effect of the rejection of an Entry on the number of karma points is set out in point 9.5.

§15. Appeal against a decision of the Service Provider

15.1. An appeal is available against every decision given in point 14.5.

15.2. An appeal is made within 14 days of receiving information about the decision, through the contact form or to the address kinga.elegant.investors@gmail.com.

15.3. The Service Provider considers an appeal within 14 days and gives information about the outcome to the person who made it.

15.4. The consideration of an appeal does not exclude the rights available to a User under the law.

§16. The closed character of the Forum

16.1. Entries are intended only for Users holding access to the Forum.

16.2. A User does not make the Entries of other Users available outside the Forum, in particular she does not publish their content or screenshots of them.

16.3. By posting an Entry the User allows the Service Provider to publish it on the Forum free of charge.

16.4. Copyright and the rules for using the Service Provider's materials are set out in paragraph 19 of the Terms and Conditions of Using the Platform.

§17. Personal data

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

17.2. The rules for processing personal data, including the data contained in Entries, are set out in the Privacy Policy.

17.3. An Entry together with the User's signature stays visible on the Forum until it is removed.

17.4. A User does not post in Entries data allowing third parties to be identified, or her own data that she does not want to make available to other Users.

§18. Availability of the Forum

18.1. The Service Provider makes every effort for the Forum to work without interruption.

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

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

18.4. If access to the Forum 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.

§19. Complaints

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

§20. Changes to these Terms

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

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

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