Myndvest Terms & Conditions

Last updated: November 11, 2025

Welcome to Myndvest. These Terms of Service("Terms") govern your access to and use of the Myndvest website, mobile applications, and other online products and services (collectively, the“Services”).

Please read these Terms carefully, as they contain important information about your legal rights, remedies, and obligations.

By accessing or using the Services, you agree to be bound by these Terms and all policies incorporated by reference. If you do not agree to these Terms, you may not access or use the Services.

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The Myndvest service

Myndvest is a behavioral-finance companion designed to help users cultivate emotional discipline and make more rational, principle-aligned investment decisions.

Not investment advice

Myndvest is NOT a trading platform, a broker, a robo-advisor, or a financial services provider.

The Services provide educational content, behavioral nudges, emotional check-ins, and self-reflection tools. They are provided for informational and self-improvement purposes only.

Myndvest does not provide investment advice, financial advice, tax advice, or legal advice. We do not recommend any specific securities, investments, or strategies.

You are solely responsible for all your investment decisions, and you should consult with a qualified financial professional before making any investment decisions.

Eligibility

You must be at least 18 years of age to use the Services. By agreeing to these Terms, you represent and warrant to us that you are at least 18 years old.

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User accounts and data

Account registration

You must register for an account to access most features of the Services. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

Your reflection data

We understand that the data you input—including emotional check-ins, reflection summaries, and personal investing principles—is highly sensitive.

  • Ownership: You retain all ownership rights to yourReflection Data.
  • Use: We use your Reflection Data solely to provide and improve the Services (e.g., calculating your Principle Alignment Score and generating Reflection Summaries).
  • Privacy: Our use and protection of your Reflection Data are detailed in our Privacy Policy, which is incorporated into these Terms by reference. We are committed to GDPR compliance and will never sell or share your ReflectionData for marketing or advertising purposes.
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Subscription and payment terms

The Services are offered on a subscription basis, whichmay be monthly or annual. Details of the subscription tiers, features, andpricing are available on our website.

Subscription model
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  • Recurring billing: By purchasing a subscription, you authorize Myndvest (or our third-party payment processor) to charge your designated payment method on a recurring basis (e.g., monthly or annually) until you cancel.
  • Price changes: We reserve the right to change our subscription fees.We will provide you with reasonable advance notice of any price changes.
  • No refunds: Payments are non-refundable, and we do not provide refunds or credits for any partial subscription periods. Exceptions may apply if required by applicable consumer protection law.
Billing and payments
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You may cancel your subscription at any time through your account settings. Your cancellation will take effect at the end of your current paid subscription term. You will continue to have access to the Services until that time.

Cancellation
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Intellectual property and limited license

Our content

All content, features, and functionality of the Services, including but not limited to the Myndvest methodology, the Principle Alignment Score algorithm, text, graphics, logos, and the underlying software, are the exclusive property of Myndvest and its licensors.

Limited license

Subject to your compliance with these Terms, Myndvest grants you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Services solely for your personal, non-commercial use.

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Acceptable use

You agree not to misuse, copy, or reverse-engineer the Service or use it for unlawful purposes.

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Disclaimer and limitation of liability

Disclaimer of warranties

The Services are provided "as is" and "as available," without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Myndvest does not warrant that the Services will lead to any specific financial outcome, investment success, or profit. Any reliance you place on the Services is strictly at your own risk.

Limitation of liability

To the fullest extent permitted by law, Myndvest shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:

  • Your access to or use of or inability to access or use the Services;
  • Any conduct or content of any third party on the Services;
  • Any investment decisions you make based on your use of the Services; or
  • Unauthorized access, use, or alteration of your transmissions or content.

In no event shall the aggregate liability of Myndvest exceed the amount you paid to Myndvest for the Services in the six (6) months preceding the event giving rise to the claim.

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Governing law and dispute resolution

These Terms shall be governed by and construed in accordance with the laws of Belgium, without regard to its conflict of law principles.

Any disputes arising out of or relating to these Terms or the Services will be resolved by the competent courts of Antwerp, Belgium.

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Termination Clause

Myndvest may suspend or terminate your account if you breach these Terms, misuse the Service, or as required by law.

We will provide notice when reasonably possible.

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General Provisions

Changes of terms

We may modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website or through other reasonable means. Your continued use of the Services after the effective date of the revised Terms constitutes your acceptance of the changes.

Contact Information

If you have any questions about these Terms, please contact us at: