Thank you for visiting 4XGuru's website, and the services provided herein are exclusively governed by these Terms of Use. Please carefully read the terms outlined below before using the website, as your access to and use of the website constitutes your agreement to be bound by these Terms of Use. If you are a resident of the European Union (EU), or an employee or customer of an EU resident, additional terms and conditions, including privacy rights, may apply to you. Please refer to our Privacy Policy for additional information.

Forex Tourist Group, LLC, the owner of 4XGuru, reserves the right, at its sole discretion, to modify these Terms of Use at any time, and any such modification will be effective immediately upon posting the modification. You should check these Terms of Use periodically for modifications. If you use the website after the posting of modifications, you will be bound by such modifications.

Our aim is to provide our visitors with a fully transparent user experience, in compliance with applicable laws, industry guidelines, and regulations. If there is anything you do not see disclosed below or in our Privacy Policy or General Disclosures, or if you have any questions regarding the information presented hereafter, please contact us.

LICENSE AND WEBSITE ACCESS: 

 4XGuru hereby grants you a limited, non-exclusive, nontransferable license to view, bookmark, download, and print the pages within the website and the content incorporated on those pages solely for the purpose of your personal, non-commercial use and display. You are solely responsible for obtaining, paying for, repairing, and maintaining all the equipment, telephone lines, and other materials you need to access the website, and the pages within the website may be used solely for personal, informational, and non-commercial purposes. You may not modify, copy, distribute, transmit, post, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any pages, content, data, information, software, products, or services obtained from the website unless you have obtained the prior written permission of 4XGuru. 4XGuru expressly reserves the right to monitor any and all use of the website.

The website is not available or intended for use by persons under the age of 13. If you are between the ages of 13 and 18 (or between 13 and the age of legal majority in your country of residence), you may only use the website under the supervision of a parent or legal guardian who agrees to be bound by these Terms of Use. By using the website, you agree to be bound by the aforementioned terms regarding your age.

NO RECOMMENDATIONS OR ADVICE PROVIDED:

The website is intended for informational purposes only as 4XGuru is not registered as a securities broker-dealer or an investment adviser. No information contained on the website is intended as securities brokerage, investment, tax, accounting, or legal advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation, or sponsorship of any company, security, or fund.

4XGuru cannot and does not assess, verify, or guarantee the adequacy, accuracy, or completeness of any information, the suitability or profitability of any particular investment, or the potential value of any investment or informational source. You are responsible for conducting your own investment research and decisions, and you should seek the advice of a qualified securities professional before making any investment and investigate and fully understand any and all risks before investing. 4XGuru in no way warrants the solvency, financial condition, or investment advisability of any of the securities mentioned on the website or any linked site.

The information contained on the website is not intended to be used as the sole basis for any investment decision, nor should it be construed as advice designed to meet the investment needs of any particular investor.

REGISTRATION AND USER ACCOUNT RESPONSIBILITIES

 In order to use the website or certain parts of it, you may be required to register for a user account. In this case, you agree to provide truthful information when requested, and if a minimum age is required for eligibility for a user account, you undertake that you are at least the required age. You agree that you are solely responsible for maintaining the confidentiality and security of your username and password, and you are responsible for all acts and/or omissions that occur under the authority of your username. You agree to immediately notify 4XGuru of any unauthorized use of your user account, username, or password.

By registering for a user account, you explicitly agree to these Terms of Use, including any amendments made by 4XGuru that are published from time to time. 4XGuru reserves the right to terminate, restrict, or suspend your username privileges at any time, without notice, for any reason whatsoever. You agree that 4XGuru shall not be liable to you or any third party for any termination of your access to the website.

The website contains review services, or other forums, in which you or third parties may post reviews of experiences using services and/or products or other content, messages, materials, videos, or other items on the website (collectively “User Areas”). You are solely responsible for your use of such User Areas and use them at your own risk. By using any User Areas, you expressly agree not to post, upload to, transmit, distribute, store, create, or otherwise publish through the site any of the following:

  • Any message, data, information, text, music, sound, photos, graphics, video, code, or any other material (“User Contribution”) that is unlawful, libelous, defamatory, obscene, pornographic, indecent, lewd, suggestive, harassing, threatening, invasive of privacy or publicity rights, abusive, inflammatory, fraudulent, or otherwise objectionable.
  • User Contribution on products or services offered by your current employer or by direct competitors of your current employer.
  • User Contribution that would constitute, encourage, or provide instructions for a criminal offense, violate the rights of any party, or otherwise create liability or violate any local, state, national, or international law, including, without limitation, the regulations of the U.S. Securities and Exchange Commission (SEC) or any rules of a securities exchange.
  • User Contribution that may infringe or misappropriate any patent, trademark, trade secret, copyright, or other intellectual or proprietary right of any party.
  • User Contribution that impersonates any person or entity or otherwise misrepresents your affiliation with a person or entity, including 4XGuru.
  • Unsolicited promotions, political campaigning, advertising, contests, raffles, or solicitations.
  • Private information of any third party.
  • Viruses, corrupted data, or other harmful, disruptive, or destructive files.
  • User Contribution that is unrelated to the topic of the User Area(s) in which such User Contribution is posted; or User Contribution or links to content that, in the sole judgment of 4XGuru, (a) violates the previous subsections herein, (b) is objectionable, (c) restricts or inhibits any other person from using or enjoying the User Areas or the website, or (d) may expose 4XGuru or its affiliates or its users to any harm or liability of any type.

OTHER LINKED SITES

By providing links to other sites, 4XGuru does not guarantee, approve, or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site of 4XGuru.

4XGuru does not operate or control and has no responsibility for the information, products, and/or services found on any external sites unless expressly stated on such an external site. Nor do such links represent or endorse the accuracy or reliability of any information, products, and/or services provided on or through any external sites, including, without limitation, warranties of any kind, either express or implied, warranties of title or non-infringement, or implied warranties of merchantability or fitness for a particular purpose. You assume complete responsibility and risk in your use of any external sites.

INTELLECTUAL PROPERTY STATEMENT

 All marks appearing on the website are the registered and unregistered trademarks of 4XGuru. 4XGuru’s trademarks may not be used in any manner that is likely to cause confusion among customers or that disparages or discredits 4XGuru.

All content on the website, including but not limited to text, graphics, audio clips, logos, buttons, images, digital downloads, data compilations, software, icons, message boards, chat, HTML code, XML code, and other original content (collectively the “Content”), is the property of 4XGuru or its content vendors and is protected by U.S. and international copyright laws.

Nothing contained on the website grants you any license or other right to any of 4XGuru's intellectual property or to any third party's intellectual property. You may not copy, modify, distribute, display, reproduce, or republish any of the data or Content contained on the website without obtaining the prior written consent of 4XGuru.

Any User Contribution, which includes but is not limited to service reviews, product reviews, user-generated data, and financial data, chat, forum posts, or other such content that you post to the website, will be considered non-confidential and non-proprietary. By posting any User Contribution on the website, you grant 4XGuru and its affiliates and service providers, as well as their respective licensees, successors, and assigns, a perpetual, royalty-free, and irrevocable right and license to use, reproduce, modify, adapt, publish, translate, distribute, transmit, publicly display, publicly perform, sublicense, create derivative works from, transfer, and sell any such User Contribution. You represent and warrant that you own or control all rights to the User Contributions, including the right to license such User Contributions, and that all your User Contributions comply with the aforementioned terms.

DISCLAIMERS:

For applicable disclaimers, including limitations of liability, please see 4XGuru's Legal Disclaimers.

PRIVACY POLICY:

4XGuru is committed to protecting its users' privacy. Please see our Privacy Policy for information relating to how we collect, use, and disclose your personal information.

INDEMNIFICATION:

 You agree to indemnify, defend, and hold harmless 4XGuru, its affiliates, and their respective officers, directors, managers, employees, and agents, from and against any and all claims, liabilities, damages, losses, or expenses, including attorneys' fees and costs, arising out of or in any way connected with your access to or use of the website, any User Contribution you post, store, or otherwise transmit on or through the website, your violation of the rights of any third party, any violation by you of these Terms of Use, or any breach of the representations, warranties, and covenants made by you herein.

APPLICABLE LAW:

You agree that these Terms of Use and any dispute arising from your use of the website or products or services provided by the website will be governed by and construed in accordance with the laws of the State of Michigan, without regard to choice of law provisions. You agree that jurisdiction over and venue in any legal proceeding shall be exclusively in the federal or state courts located within the State of Michigan. You agree that any cause of action or claim you may have with respect to the website must be commenced within one year after the claim or cause of action arises or such claim or cause of action is barred.