Terms of Service

1. Agreement to Terms

Welcome to Claystone Investment Ltd. These Terms of Service ("Terms") govern your access to and use of our website, applications, and investment services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Services.

These Terms constitute a legally binding agreement between you and Claystone Investment Ltd, a registered investment advisor. Please read them carefully.

2. Our Services

Claystone Investment Ltd provides investment management and financial advisory services, including but not limited to:

• Portfolio management and asset allocation
• Risk assessment and management
• Retirement planning
• Real estate investment advisory
• Wealth transfer and estate planning
• Financial planning and consultation

All investment advice is provided through qualified investment advisor representatives. Our services are subject to applicable securities laws and regulations.

3. Eligibility

To use our Services, you must:

• Be at least 18 years of age or the age of legal majority in your jurisdiction
• Have the legal capacity to enter into binding contracts
• Not be prohibited from receiving investment services under applicable law
• Provide accurate and complete information during registration

We reserve the right to refuse service to anyone for any reason at any time.

4. Account Registration

To access certain features of our Services, you may need to create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

We reserve the right to suspend or terminate accounts that violate these Terms or for any other reason at our discretion.

5. Investment Risks

IMPORTANT DISCLOSURE: All investments involve risk, including the possible loss of principal. Past performance does not guarantee future results.

Specific risks include but are not limited to:

• Market Risk: The value of investments may fluctuate due to market conditions
• Liquidity Risk: Some investments may be difficult to sell quickly at fair prices
• Interest Rate Risk: Changes in interest rates may affect bond and fixed-income values
• Currency Risk: International investments are subject to exchange rate fluctuations
• Inflation Risk: Returns may not keep pace with inflation
• Concentration Risk: Over-concentration in specific sectors or assets

Before making any investment decision, you should carefully consider your investment objectives, risk tolerance, and financial situation. Please consult with a qualified financial advisor.

6. Fees & Compensation

Our fee structure is outlined in our Advisory Agreement and Form ADV Part 2A. Generally:

• Asset management fees are calculated as a percentage of assets under management
• Performance-based fees may apply to certain alternative investments
• Third-party custodial and transaction fees may be passed through to clients
• All fees are disclosed in writing before any advisory relationship begins

Fees are negotiable and may vary based on account size, service complexity, and other factors.

7. Intellectual Property

All content on our website and Services, including text, graphics, logos, images, software, and code, is the property of Claystone Investment Ltd or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• Reproduce, distribute, or publicly display our content without permission
• Modify, adapt, or create derivative works from our content
• Use our trademarks or branding without written consent
• Reverse engineer or extract source code from our applications

8. User Conduct

When using our Services, you agree not to:

• Violate any applicable laws or regulations
• Impersonate any person or entity
• Transmit viruses, malware, or harmful code
• Interfere with the security or integrity of our systems
• Harvest or collect personal information of other users
• Use automated systems to access our Services without authorization

9. Limitation of Liability

To the maximum extent permitted by law, Claystone Investment Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our Services, including but not limited to:

• Loss of profits, revenue, or anticipated savings
• Loss of data or goodwill
• Service interruptions or errors
• Unauthorized access to your information

Our total liability shall not exceed the amount you paid us (if any) in the twelve months preceding the claim.

10. Termination

We may terminate or suspend your access to our Services immediately, without prior notice, for any reason, including breach of these Terms.

Upon termination:

• Your right to use the Services ceases immediately
• Provisions intended to survive termination remain in effect
• Client assets remain subject to applicable custody agreements

Clients may terminate advisory relationships subject to the terms of their Advisory Agreement.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the resident state or country, without regard to conflict of law principles. Any disputes shall be resolved exclusively in the state or federal courts located in the locale.

If any provision of these Terms is found invalid, the remaining provisions shall continue in full force and effect.

12. Contact Information

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