These Terms of Service constitute a public offer within the meaning of the Civil Code of the Republic of Kazakhstan. By creating an account, clicking "I agree," or paying for a subscription, you accept this offer in full and a binding agreement is formed between you and Investreak on the terms below. If you do not agree, do not create an account or use the Service.
This document works together with four companion documents, each incorporated into this agreement by reference:
Where any companion document conflicts with this one on its specific subject matter, the companion document controls for that subject.
These Terms are a legal agreement between you and Aldiyar Zharkimbayev, an individual entrepreneur registered under the laws of the Republic of Kazakhstan (State registration No. 951127300803, registered address Almaty, Medeu Ddistrict, Zholdasbekov street, 9/2), conducting business under the trade name Investreak ("Investreak," "we," "us," or "our"), governing your access to and use of the Investreak website, daily briefing, courses, quizzes, and any related services (together, the "Service").
You must be at least 18 years old to create an account or subscribe to the Service. By registering, you represent that you meet this requirement. The Service is not directed to, and we do not knowingly collect information from, anyone under 18. If we learn an account belongs to someone under 18, we will terminate it.
Investreak is an educational, general-circulation publication and learning product. It provides market commentary, lessons, quizzes for the purpose of teaching general investing concepts.
The Service is not, and must never be treated as: personalized investment, financial, tax, or legal advice; a recommendation to buy, sell, or hold any specific security; a substitute for a licensed financial adviser who knows your individual circumstances; or a brokerage, custodian, or execution venue. Investreak does not hold your money or securities and cannot place trades for you.
All content is created for general audiences on a regular schedule and is not tailored to any individual subscriber's portfolio, holdings, or financial situation. The full disclaimer governing this Section is set out in the Risk Disclosure, which is incorporated into these Terms and controls over any summary here.
You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us promptly at support@investreak.com if you suspect unauthorized use. One account per person; accounts are not transferable.
Investreak, its founder, or contributors may hold or trade securities discussed in the Service from time to time. Where required by applicable disclosure rules (including EU Market Abuse Regulation transparency requirements for investment recommendations and US anti-touting rules), such positions will be disclosed within the relevant content. Investreak is not paid by any issuer to feature or promote its securities in the Service; if that ever changes for a specific piece of content, it will be disclosed in that content.
The Service, including all lessons, courses, quizzes, briefings, software, and the Investreak name and logo, is owned by Investreak or its licensors and protected by copyright, trademark, and other laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial use. You may not copy, redistribute, resell, scrape, or create derivative works from the Service's content without our prior written consent.
Plans. The Service is offered on a free tier and paid tiers (currently: Monthly and Annual — see the pricing page for current prices). Prices, features, and plans may change; we will notify you of price changes before they apply to your next renewal.
Auto-renewal. Paid subscriptions renew automatically for successive terms equal to the term you purchased (monthly or annual) unless you cancel before the renewal date. Your payment method will be charged automatically at renewal. Where required by state law (e.g., California's Automatic Renewal Law and similar statutes), we provide clear notice of auto-renewal terms at signup and an easy means of cancellation.
Payment. Payments are processed by Dodo Payments (dodopayments.com), which acts as merchant of record for your purchase. This means Dodo Payments, not Investreak, is the seller of record on the payment transaction: your payment method statement may show a charge from Dodo Payments (or an authorized trade name), Dodo Payments calculates and remits any sales tax, VAT, or GST due on the transaction, and Dodo Payments handles the payment transaction under its own terms of service, separate from these Terms. Investreak remains the seller of the underlying Service and sets the subscription price, plan terms, and refund eligibility described in this Section and the Refund Policy, which Dodo Payments carries out on our instruction. We do not store your full payment card details. By subscribing, you authorize recurring charges to your chosen payment method.
Cancellation. You may cancel at any time via support@investreak.com. Cancellation takes effect at the end of the then-current billing period; you retain access through that date. We do not prorate mid-period cancellations except where law requires.
Refunds. Refund eligibility and process are governed entirely by the Refund Policy, incorporated into these Terms by reference.
You agree not to: (a) share your account or paid content with non-subscribers; (b) use automated means to scrape or extract content; (c) reverse-engineer the Service; (d) use the Service for any unlawful purpose; (e) interfere with the Service's operation or security.
The Service may link to or integrate third-party content, data providers, or tools, including the payment processor named in Section 7 — see the Privacy Policy for the current subprocessor list. We do not control and are not responsible for third-party content or services. Use of cookies and similar technologies is governed by the Cookie Policy.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY OF CONTENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, INVESTREAK WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR INVESTMENT LOSSES, ARISING FROM YOUR USE OF THE SERVICE OR RELIANCE ON ANY CONTENT, INCLUDING AI COACH OUTPUT. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THESE TERMS OR THE SERVICE WILL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE. Nothing in these Terms limits liability that cannot be limited under applicable law, including mandatory Kazakhstan consumer-protection law and, for EU/UK consumers, liability that cannot be excluded under local consumer protection law.
If you are a consumer resident in the European Union, European Economic Area, or United Kingdom, this section applies to you and takes precedence over any conflicting provision above.
If you are a consumer resident in the Republic of Kazakhstan, the Law "On Protection of Consumer Rights" and other mandatory Kazakhstan consumer-protection provisions apply to your purchase regardless of any conflicting provision above, including as to refund rights (see Refund Policy) and your right to bring claims before the courts of the Republic of Kazakhstan notwithstanding Section 15.
Governing law. These Terms are governed by the laws of the Republic of Kazakhstan, without regard to conflict-of-law principles, except where mandatory law of your country of residence applies instead (see Sections 12–14).
Forum. Any dispute arising from these Terms or the Service not subject to mandatory local consumer law under Sections 12–14 will be resolved as set out in the forum clause once finalized, and not as a class, collective, or representative action, to the extent permitted by applicable law.
We may suspend or terminate your account for violation of these Terms, non-payment, or suspected fraud or abuse. You may stop using the Service and cancel your subscription at any time as described in Section 7. Sections 5, 6, 10, 11, 12, 13, 14, and 15 survive termination.
We may update these Terms from time to time. We will post the updated Terms with a new "Last updated" date and, for material changes, provide notice (e.g., by email or in-app notice) before the change takes effect for existing subscribers.
If any provision of these Terms is found unenforceable, the remaining provisions remain in effect. These Terms, together with the Privacy Policy, Refund Policy, Cookie Policy, and Risk Disclosure, are the entire agreement between you and Investreak regarding the Service. You may not assign these Terms; we may assign them in connection with a transfer of the business.
Investreak Aldiyar Zharkimbayev, Individual Entrepreneur Kazakhstan, Almaty, Medeu District, Zholdasbekov street, 9/2