Terms & Conditions

© 2023 Financial I-smart innovations LTD brand is owned and operated by I-smart innovations LTD 28 CITY ROAD LONDON UNITED KINGDOM EC1V 2NX

WEBSITE TERMS OF USEBY accessing or using the https://www.i-smart-innovations.io/  (the "site"), you acknowledge and agree to the disclaimers and terms and conditions ("terms") set forth below. Please read these Terms and Conditions carefully. If you do not agree to these Terms and Conditions, you should not use the site. These Terms apply to your use of the site, which is operated and owned by i-smart-innovations, a company registered at 128 CITY ROAD LONDON UNITED KINGDOM EC1V 2NX ("i-smart-innovations," "we," and/or "us").You must be 18 years of age to become a member of the Financial Freedom service. The member who created the Financial Freedom account and whose Payment Method is charged is referred to here as the "Account Owner" or a "Member" having a "Membership."i-smart-innovations reserves the right, at our sole discretion, to change, modify, add or remove portions of these Terms and Conditions at any time by posting the revisions on the site. You should check these Terms periodically for changes, as by using the site after we post any changes to these Terms, you are agreeing to accept those changes, whether or not you have reviewed them, and you waive any right you may have to receive individualized notice of such changes.By using the site, whether as a guest or a registered user, you agree to be legally bound by these Terms just as if you had signed this agreement.

These Terms may be supplemented by additional terms and conditions pertaining to specific content and activities. You agree and understand that such additional terms and conditions are hereby incorporated by reference into these Terms. You are responsible for ensuring that all persons who access the site through your Internet connection are aware of these Terms and that they comply with them. From time to time, access to some parts of the site, or the entire site, may be restricted to registered users, and additional terms and conditions shall apply to such registered users, which the user will be asked to accept within the relevant pages.From time to time, Financial Freedom and any of its officers and employees may, to the extent permitted by law, have a position or interest in the instruments – or derivatives of instruments – covered directly or indirectly by our reports.


Our website is a financial education, data portal, and content aggregator. Financial Freedom is not a broker/dealer, we are not an investment advisor, we have no access to non-public information about publicly traded companies, and this is not a place for giving or receiving financial advice, advice concerning investment decisions, or tax or legal advice.

The services and information available on or through this site are for general information purposes only and are not intended to address your particular requirements.In particular, the investment information, content, education, strategies, alerts, and materials on this site (the "investment information") are in the nature of general investment research and data and are for general informational purposes only.

The investment information is not personalized for you or any other recipient, does not constitute any form of advice or recommendation or investment advice by us or other users, and is not and should not be considered an individualized investment recommendation. Such information is not intended to be relied upon by you in making (or refraining from making) any specific investment or other decisions.Appropriate expert independent advice should be obtained before making any such decision. You bear all risks from any use or results of using any services and/or information on this site. Financial Freedom is an education and research platform for retail traders and investors that specializes in education and producing statistical observations on key financial instruments. These instruments include but are not limited to shares, rolling spot foreign exchange contracts, commodity futures, contract for differences, spread bets, futures, and government and public securities.We will not arrange any transactions on your behalf.

The Investment Information on the site is provided "AS IS" without warranty of any kind. To the maximum extent permitted by applicable law, i-smart-innovations is not responsible or liable in any manner for, and makes no representations or warranties of any kind regarding, the accuracy, completeness, quality, reliability, or usefulness of any investment information or the results obtained from any investment information.The type of strategies mentioned on the site may not be suitable for everyone, and you alone are solely responsible for determining whether any investment, strategy, or any other product or service is appropriate or suitable for you, based on your investment objectives and personal and financial situation. You should consult an independent financial advisor, attorney, or tax professional regarding your specific investment, legal, or tax situation.We may offer valuation tools; these are solely for information and educational purposes so that users can easily run their own valuations.

The pre-defined values are simply a starting point based on global assumptions that we have applied across the entire market – you should amend the values as you see fit and not regard them as a substitute for your own judgment. Any resulting valuation outputs are necessarily generic and are not endorsed for a given stock by i-smart-innovations.


We would like to draw your attention to the following important investment warnings.a) The value of shares and investments and the income derived from them can go down as well as up;b) When speculating on derivatives, losses can exceed deposits;c) Investors may not get back the amount they invested, and furthermore, losses can exceed deposits – substantial losses greater than your capital are a real risk;d) Past performance is not a guide to future performance;e) Some instruments, such as derivatives, may be disproportionately impacted by changes in the underlying instruments on which they are based, and as such, they are particularly high-risk investments;f) For some of the instruments covered in our research, price discovery and liquidity may, from time to time, be impacted by market conditions, making it hard to deal in those instruments or ascertain their correct market value.


i-smart-innovations offers access to its educational content on a tiered Membership basis ("Membership"). You may receive access to each level by purchasing a package. Each package affords you access to the relevant courses as defined in the Packages list.To become a Member of the site, you must have internet access and provide us with certain personal details, including a current, valid, accepted method of payment on entry to the site (as may be updated from time to time, "Payment Method"), to use the i-smart-innovations service. We will bill the fee to your Payment Method upfront. We reserve the right to modify, terminate, or otherwise amend our offered Membership plans.BILLINGBy starting your Membership, you authorize us to charge you the Membership Fee set out in the Packages list on our website. The Membership will be charged upfront before access to the applicable content is made available.


All Membership Fees are fully earned upon payment and are non-refundable, except during the first 90 days since the beginning of the Membership under the condition that you have viewed no more than 50% of the lessons made available to you in the Trading Essentials, Technical Trading, and Strategic Trading courses.You can request a refund by emailing us at ceo@i-smart-innovations.io , stating your wish to receive a refund and your full name. We will carry out the reimbursement using the same means of payment as you used for the initial transaction.Once we receive your cancellation request, you will cease to have access to the site immediately.


The member who created the account and whose Payment Method is charged is referred to here as the Account Owner. The Account Owner has access and control over the Financial Freedom account.

The Account Owner's control is exercised through the use of the Account Owner's password, and therefore, to maintain exclusive control, the Account Owner should not reveal the password to anyone.In addition, if the Account Owner wishes to prohibit others from altering the Account Owner's control, the Account Owner should not reveal the Payment Method details (e.g., last four digits of their credit or debit card) associated with their account. You are responsible for updating and maintaining the truth and accuracy of the information you provide to us relating to your account.Accounts are provided on an individual basis, and you are expressly forbidden from giving another person or entity access. You should be mindful of any communication requesting that you submit credit card or other account information. Providing your information in response to these types of communications can result in identity theft. Always access your sensitive account information by going directly to the Financial Freedom website and not through a hyperlink in an email or any other electronic communication, even if it looks official. i-smart-innovations reserves the right to place any account on hold anytime with or without notification to the member to protect itself and its partners from what it believes to be fraudulent activity. Financial Freedom is not obligated to credit or discount a Membership for holds placed on the account by either a representative of i-smart-innovations or by the automated processes of i-smart-innovations


You may encounter third-party applications (including, without limitation, websites, widgets, software, or other software utilities) ("Applications") that interact with the Financial Freedom service. These Applications may import data related to your Financial Freedom account and activity and otherwise gather data from you. These Applications are provided solely as a convenience to you, and Financial Freedom is not responsible for such Applications. Such applications are owned or operated by third parties that are not related to or sponsored by Financial Freedom. Use of an application is at your own option and risk.


It is impossible to provide an exhaustive list of exactly what constitutes acceptable and unacceptable use of this site. In general, Financial Freedom will not tolerate, and you agree not to engage in, any use of the site that damages or is likely to damage our reputation or the availability or integrity of the site, causes harm of any kind to i-smart-innovations or its users, or causes us or threatens to cause us to incur any legal, tax, financial, regulatory, or other liability ("Misuse"). We, therefore, request you to treat our site with respect, and you agree not to use the site for any illegal or improper purpose, or in such a way as to infringe or breach others' rights or to cause or threaten to cause damage or harm to i-smart-innovations or its users (which shall also constitute Misuse). Without limiting any of the foregoing, you agree not to use the site or cause or permit the site to be used:a) To jeopardize or prejudice the operation, quality, or integrity of the site or any telecommunications network;b) To harvest or otherwise collect information about others, including email addresses, without their consent;c) For any commercial purpose, including any direct marketing, surveys, contests, or pyramid schemes, nor to use the site to participate in or cause others to participate in sending chain letters, junk email, spam, duplicative or unsolicited messages, advertising, or promotional material;d) To distribute, download, upload, or transmit any material that contains viruses, trojan horses, worms, or any other harmful or detrimental programs;e) To stalk or harass anyone or to impersonate any person or entity or otherwise misrepresent your affiliation with a person or entity. To attack the site via a denial-of-service attack; org) Contrary to the terms and conditions of any Internet Service Provider you may use.Any use of the site in a manner prohibited in these Terms will constitute Misuse. We also ask you to comply with any relevant notices, policies, and terms imposed by third parties whose website, products, or services you access through the site.We reserve the right to suspend the use of the site generally or block your access to all or any part of the site and/or to suspend or terminate your rights to use the site or any part of it at any time and for any reason (or for no reason) if we suspect Misuse. We reserve the right to report any Misuse of the site to the relevant enforcement or other authorities and to our legal advisers. We further reserve the right to disclose any evidence we have, which relates directly or indirectly to Misuse of this site.If any material on this site or your use of this site is contrary to the laws of the jurisdiction in which you are located, then this site is not intended for your use, and we ask that you do not use this site. You are responsible for compliance with the laws of the jurisdiction in which you are located.


All materials incorporated in or accessible through the site, including, without limitation, text, photographs, images, graphics, illustrations, logos, button icons, audio clips, video clips, software, tools, data, information, and all other content, and the compilation, collection, arrangement, and assembly thereof (including the look and feel of the site) (the "site Materials"), are protected by international copyright laws, and are owned, controlled, or licensed by i-smart-innovations, or by the original creators of such materials or their permitted licensors. All such rights are reserved.Such site Materials may be used only for viewing the site in the ordinary course or as a resource for availing of the services offered through the site. Any other use of the site or the site Materials, including any copying, reproduction, modification, sale, distribution, extraction, scraping, data mining, re-utilization, transmission, re-publication, downloading, display, posting, performance, or other exploitation thereof by any means or medium without the prior written permission of the copyright owner is strictly prohibited.Financial Freedom, the Financial Freedom logo, and any other company, product, or service name, logo, or slogan contained on the site (the "Marks") are trademarks of Financial Freedom or its suppliers, publishers, or licensors and may not be copied, imitated, or used, in whole or in part, without the prior written permission of Financial Freedom or the applicable trademark holder. You may not use any metatags or any other "hidden text" utilizing such marks without prior written permission. In addition, the look and feel of the site, including all page headers, custom graphics, button icons, and scripts, are the service mark, trademark, and/or trade dress of Financial Freedom and may not be copied, imitated, or used, in whole or in part, without our prior written permission.You must not use any part of the site Materials on the site for commercial purposes without obtaining a license to do so from Financial Freedom or our licensors. If you use the site, the site Materials, or the Marks other than as specifically authorized herein, without the prior written permission of i-smart-innovations, you are in breach of these Terms, and your right to use the site will cease immediately. Such unauthorized use may also violate applicable laws, including, without limitation, copyright and trademark laws and applicable communications regulations and statutes. You must, at our option, return or destroy any copies of the materials you have made.Reference to any products, services, processes, companies, or other information, by trade name, trademark, manufacturer, supplier, or otherwise does not constitute or imply endorsement, sponsorship, or recommendation thereof by us. All site Materials contained on the site by i-smart-innovations or posted by our users are intended for the non-commercial use of the user. Subject to these Terms, we grant you a non-exclusive, non-transferable, limited license to access and use the site and any publicly available site Materials displayed thereon, except where such use is otherwise prohibited or restricted. However, no rights, title, or interest in any such site Materials will be granted or transferred to you as a result of any permitted use of such site Materials.Unless explicitly stated herein, nothing in these Terms shall be construed as conferring any license to intellectual property rights, whether by estoppel, implication, or otherwise. This license is revocable at any time.


Financial Freedom may provide access or links to third-party information, content, products, services, or other materials on or through the site (collectively the "Third-Party Materials") as a service to those interested in such Third-Party Materials. Financial Freedom does not screen, approve, monitor, or have any control over any Third-Party Materials and is not responsible or liable for such Third-Party Materials in any manner or for any harm caused thereby. You will be solely responsible for any harm, including any damage to your computer system or loss of data that results from the use or download of any Third-Party Materials. All third-party materials are provided on an "as-is" basis with all faults.Financial Freedom does not endorse or adopt any Third-Party Materials and can make no guarantee as to the quality, accuracy, completeness, reliability, safety, timeliness, or appropriateness of such Third-Party Materials. i-smart-innovations does not make any representations or warranties of any kind regarding the Third-Party Materials and undertakes no responsibility to update or review any Third-Party Materials. Users use such Third-Party Materials at their own risk.


Certain features of the site may require that you register before accessing such features. If you register, you agree to:a) Provide accurate, current, and complete information about you as may be prompted by any registration forms on the site ("Registration Data");b) Maintain the security of your password and identification;c) Maintain and promptly update the Registration Data and any other information you provide to i-smart-innovations to keep it accurate, current, and complete;d) Accept all risks of unauthorized access to the Registration Data and any other information you provide to Financial Freedom


We do not warrant that the site will be continuously available or that your use of the site will be uninterrupted or error-free, or that the site and server will be free from attack. This site, the site Materials (including all user content as defined below), and all products and services offered on or in connection with the site are provided on an "as is" basis.To the fullest extent permitted by applicable law, i-smart-innovations disclaims all warranties, express or implied, including, without limitation, implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, as to the site, the site Materials, and all products and services offered on or in connection with the site. Neither i-smart-innovations, nor any of our respective licensors, licensees, service providers, or suppliers warrant that the site or any function contained on the site will be uninterrupted or error-free, that defects will be corrected, or that the site or the servers that make the site available are free from viruses or other harmful components.We do not warrant or make any representations regarding the use or the results of the use of the site Materials or any third-party site accessed through the site in terms of their correctness, accuracy, timeliness, reliability, or otherwise, and you will be solely responsible for any damage to your computer system or loss of data that results from the download of any such product, offering, content, or material.We do not warrant that the services or information provided on or through this site will be correct, complete, accurate, adequate, up-to-date, or fit for any particular purpose. Further, please note that no advice or information, obtained by you from our personnel or through this site, shall create any warranty not expressly provided for in these Terms. You are responsible for validating the integrity of any information you receive on or through the site.


In no event shall i-smart-innovations, its directors, officers, employees, or agents, be liable for any direct, special, indirect, or consequential damages, or any other damages of any kind, including, but not limited to, loss of use, loss of profits, or loss of data, whether in an action in contract, tort (including, but not limited to, negligence), or otherwise, arising out of or in any way connected with the use of, or inability to use, this site or the materials contained on, or accessed through, this site, including, without limitation, any damages caused by or resulting from reliance on any information obtained from i-smart-innovations, or that result from mistakes, omissions, interruptions, deletion of files or email, errors, defects, viruses, delays in operation or transmission, or any failure of performance, whether or not resulting from acts of god, communications failure, theft, destruction, or unauthorized access to i-smart-innovations records, programs, or services.In no event shall the aggregate liability of Financial Freedom (whether in contract, warranty, tort (including negligence, whether active, passive, or imputed), product liability, strict liability, or other theory) arising out of or relating to the use of the site or any product or service purchased on or through the site exceed the Membership Fee you paid to i-smart-innovations for the specific Membership giving rise to any such liability.


You agree to indemnify and hold harmless i-smart-innovations, its affiliates, and their respective officers, directors, employees, agents, representatives, suppliers, and licensors from and against any and all claims, actions, demands, liabilities, damages, expenses, and costs (including, without limitation, reasonable attorneys' fees) arising from or related to your use of the site, the site Materials, any User Content you post or submit, your violation of these Terms, your violation of any rights of a third party, or your conduct in connection with the site.


i-smart-innovations Privacy Policy, which is incorporated by reference into these Terms, sets out the terms on which i-smart-innovations processes any personal data collected from you or that you provide to Financial Freedom. By using the site, you consent to such processing and warrant that all data provided by you is accurate.


Financial Freedom may terminate, suspend, or modify your Membership, account, or access rights to the site, or any portion thereof, at any time, without notice to you and for any reason whatsoever, including if you violate these Terms. Upon termination or suspension, your right to use the site will immediately cease, and i-smart-innovations may, without liability to you or any third party, immediately deactivate or delete your user name, password, and account, and all associated materials, without any obligation to retain any information you have submitted.


Upon termination of these Terms, your rights to access and use the site, including the site Materials, immediately cease, and you must immediately cease all such access and use. Any accrued rights to payment and any provision that, by its nature, should survive termination (including, without limitation, indemnification, limitation of liability, and any licenses of User Content granted by you), shall survive termination of these Terms.


If any provision of these Terms is held invalid or unenforceable by a court or other tribunal of competent jurisdiction, such provision shall be deemed modified to the minimum extent necessary to make such provision enforceable and effective, and the validity and enforceability of all other provisions of these Terms shall not be affected thereby.


These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of laws principles. Any legal action or proceeding relating to these Terms or your access to or use of the site shall be instituted in the courts of England and Wales, and you agree to submit to the personal jurisdiction of such courts.


These Terms, together with our Privacy Policy, constitute the entire agreement between you and Financial Freedom with respect to your use of the site, superseding any prior agreements, whether oral or written, between you and i-smart-innovations.

If you have any questions or comments about these Terms or the site, please contact us at ceo@i-smart-innovations.io