Terms & Conditions of Service

"Ashenden Finance", "we", or "us" refers to Ashenden Finance SA, a company incorporated under Swiss law in the Canton of Ticino.

"Platform" means the Ashenden Finance web application and all associated services accessible at app.ashendenfinance.ch.

"Subscription" means a paid or free access plan to the research, analytics, and advisory services offered on the Platform.

"User" or "Subscriber" means the individual who creates an account and is bound by these terms. Each account is strictly personal and non-transferable.

Each Subscription grants a personal, non-transferable, non-sublicensable license to access the Platform. Unless explicitly purchased as a Team Subscription (see Section 3), the account may be used only by the individual who registered.

Login credentials (email address and password) are confidential. Users are solely responsible for all activity that occurs under their account and must not share access with any third party.

A Team Subscription covers a fixed number of named seats as specified at purchase. Each seat must be assigned to a distinct individual with a separate registered email address. Invitations are email-specific and non-transferable.

Sharing a single seat among multiple individuals — even within the same organisation — constitutes a material breach of these terms. The team admin is responsible for ensuring all members comply with these terms.

If the team admin cancels or loses their subscription, all associated team member accounts will be suspended simultaneously. For additional seats, contact research@ashendenfinance.ch.

The following are strictly prohibited and constitute a material breach of contract:

• Sharing credentials with any third party, inside or outside the subscriber's organisation;
• Allowing any other person to use the account, concurrently or sequentially;
• Redistributing, reproducing, forwarding, or publishing any research, report, or analysis from the Platform, in whole or in part, without prior written consent from Ashenden Finance;
• Using automated tools, bots, or scrapers to access or download Platform content;
• Circumventing access controls, security measures, or payment requirements;
• Using the Platform for competitive intelligence, resale of content, or any commercial purpose not explicitly permitted by the Subscription.

Ashenden Finance reserves the right to suspend or terminate any Subscription immediately and without prior notice in the event of:

• Any violation of Section 4 (account sharing, content redistribution, or prohibited use);
• Non-payment, fraudulent payment, or chargeback;
• Provision of false or misleading information at registration or during use;
• Any conduct that, in our sole discretion, is harmful to the Platform, other users, or the reputation of Ashenden Finance.

In the event of termination for cause, no refund will be issued for any unused portion of the Subscription period. Ashenden Finance reserves the right to pursue legal remedies for damages arising from the breach.

Voluntary cancellations by the User take effect at the end of the current billing period; no partial refunds are provided unless required by applicable law.

All research reports, analyses, data, algorithms, software, design elements, and other content on the Platform are the exclusive intellectual property of Ashenden Finance SA or its licensors and are protected under Swiss and international copyright law.

A Subscription grants only the right to access and read content for the User's own internal, non-commercial purposes. No right of reproduction, redistribution, or derivative use is granted.

All content on the Platform is for informational purposes only and does not constitute investment advice, a solicitation to buy or sell securities, or a guarantee of financial results. Past performance is not indicative of future results.

Ashenden Finance makes no warranty regarding the accuracy, completeness, or timeliness of any research or data. Users are solely responsible for their investment decisions.

To the maximum extent permitted by applicable law, Ashenden Finance shall not be liable for any direct, indirect, incidental, or consequential loss arising from use of, or reliance on, Platform content.

Ashenden Finance processes personal data in accordance with applicable Swiss (nFADP) and EU (GDPR) data protection law. By creating an account, you consent to the processing of your personal data for the purposes described at registration.

You may manage your email preferences at any time from your profile page. Data deletion requests can be sent to research@ashendenfinance.ch and will be fulfilled within 30 days, subject to legal retention obligations.

Ashenden Finance may amend these Terms at any time. Material changes will be communicated to registered users via email at least 14 days before taking effect. Continued use of the Platform after the effective date constitutes acceptance of the revised terms.

These Terms & Conditions are governed exclusively by Swiss law, to the exclusion of conflict-of-law rules. Any dispute shall be subject to the exclusive jurisdiction of the competent courts of the Canton of Ticino, Switzerland.