DivInsights - Terms of Service
Last Modified: 26 FEB 2026
CONTENTS
TERMS OVERVIEW
Welcome to DivInsights (the “Company”).
This Terms of Service Agreement (the “Agreement”) contains the terms and conditions that apply to your use of and access to www.divinsights.com, newsletters, social media groups, mobile applications, and products and services of the Company (collectively, the “Services”).
By accessing, viewing, using, or registering for any portion or all of the Services in any way, you agree to be legally bound by this Agreement. If you do not agree to this Agreement in full and without modification, then you may not access, view, use, or register for any portion or all of the Services.
By using the Services, you also agree to our Privacy Policy (https://divinsights.com/privacy-policy/), which is incorporated into this Agreement by reference. We collect, use, and share your personal data as described in our Privacy Policy. Please refer to our Privacy Policy for more information.
Your use of the Services, including the Features, your Account, Membership Subscription, or Trial Subscription (such terms as defined below), may be terminated or limited at any time and for any reason.
LIMITED LICENSE
Subject to the terms and conditions of this Agreement, the Company hereby grants you a limited term, non-exclusive, non-transferable and non-sublicensable license to access the Services solely for your personal use. You may not provide your login credentials to any other person, nor allow any other person to access the Services using your account. Any attempt to share, transfer, or provide access to your subscription or account information to others is strictly prohibited and may result in suspension or termination of your access to the Services.
RESTRICTIONS ON USE
Unless expressly permitted herein, you will not:
- use the Services in any way that violates the rights of any other person;
- hack, decode, disassemble, decompile, reverse engineer, or otherwise seek to obtain the source code underlying or supporting our provision of the Services or any Features;
- “scrape” or otherwise use any data mining, robots, or similar data gathering or extraction methods on any data from the Company’s websites;
- remove or obscure any product identification, proprietary, copyright or other notices contained in the Services or any Features;
- access the Services or any Features through automated means, including but not limited to scripts, bots, or software applications, except as expressly authorized by the Company;
- use the Services or any Features to develop, benchmark, or create a competitive product, service, or database (for internal or external purposes);
- use the Services or any Features to make, or to assist in making, any offer, solicitation or recommendation in relation to any regulated investment activity;
- use the Services or any Features in automatic, semi-automatic or manual tools designed to create virus signatures, virus detection routines, or any other data or code for detecting malicious code or data;
- violate or attempt to violate the security of the Services or any Features;
- violate or attempt to violate applicable law or regulation through use of the Services or any Content; or
- use the Services or any Features with any other platforms, software applications, or other manual or automatic tools (including, but not limited to, any third-party artificial intelligence or machine learning tool, large language model, or application programming interface).
By accessing or using the Services, you confirm that you are at least 18 years old. The Services are only intended for use by individuals 18 years of age or older. If you are under 18, you are not permitted to use the Services, and the Company reserves the right to terminate any Account and/or restrict access to the Services for users younger than 18.
MODIFICATIONS TO THIS AGREEMENT
The Company reserves the right to modify, change, or replace this Agreement at any time. You agree to be bound by the most recent version of the Agreement available. The date of the last modification will be prominently displayed at the top of the Agreement.
Your continued use of the Services after such changes constitutes your acceptance of the new terms.
PROVISION BY YOU OF PERSONAL DATA ABOUT OTHER PERSONS
SERVICES AND ACCOUNT REGISTRATION
The Services allow users to access a variety of investment research services, including data, tools, tables, charts, articles, images, and analyses (the “Features”). Full access to all Features is available under paid membership subscriptions.
The Company reserves the right to change the Features in the Services at any time and without notice. In addition, the Company may discontinue the Services, or any of the Features, at any time and without notice.
In order to access and enjoy all of the Features of the Services, you may be required to register for a user account (“Account”). You agree to keep your Account details, including password, confidential, whereby it is recommended to use a strong password that is not used for any other accounts. Your Account is of a personal nature and may not be shared with any other person or entity. You are entirely responsible for any and all activities that occur under your Account, as well as all charges incurred from the use of the Services accessed with your Account. You agree to promptly notify the Company of any unauthorized use of your Account or any other security breaches. The Company shall have no liability for any loss or damage arising from your failure to comply with these requirements.
SUBSCRIPTIONS
You may use your Account to register for a paid subscription to the Services which will allow you to access enhanced Features (the “Membership Subscription”).
Membership Subscriptions are billed at either an annual or monthly rate, as disclosed by the Company in connection with the provision of the relevant Services. Upon completing the registration for a Membership Subscription, your credit card or other selected payment method will be billed for the Membership Subscription at the then-current rate for the interval you selected. Your Membership Subscription will renew either monthly or annually at the original rate you paid and be billed automatically unless it terminated before such renewal.
You grant the Company and its third-party payment processors the permission to charge your credit card for the original rate you paid for the Membership Subscription on an ongoing basis until terminated by you.
The Company may change the rate for the Membership Subscription from time to time and will communicate any rate changes to you in advance and, if applicable, how to accept those changes. Rate changes will take effect at the start of the next Membership Subscription period following the date of the rate change.
You may terminate your Account or Membership Subscription at any time by written notice.
To terminate your Membership Subscription or Account, you must email info@divinsights.com to terminate your subscription.
All payments for Membership Subscriptions are non-refundable. If you terminate your Membership Subscription, you will continue to have access to the Services until the end of the prevailing billing period, but you will not receive a refund or credit for any unused portion of your subscription.
The Company offers a 14-day free trial plan (the “Trial Subscription”), which is available to users without Membership Subscriptions. Each visitor to the Services is entitled to one Trial Subscription. Visitors who use multiple email addresses to obtain more than one Trial Subscription may risk having all future access to the Services permanently blocked. The Company also reserves the right to take legal action against such conduct.
USER SUBMITTED CONTENT
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You acknowledge and agree that all content, documents, materials, data, information or communications submitted, published, disseminated or transmitted to or through, saved in, displayed on or otherwise contained in or communicated through the Services (including, but not limited to all transcripts and related information, underlying data and calculations contained in Features, dashboards, reports, company overviews and insights, profile information, general text, and design, and the selection and arrangement of such content) (collectively, the “Content”) are the sole responsibility of the person or entity from which such Content originated. You are entirely responsible for all Content that is uploaded, posted, transmitted or otherwise made available via the Services by you or through your Account, if any.
You acknowledge that the Company is under no obligation to pre-screen or otherwise review any Content, and that under no circumstances will the Company be liable to you in any way for any Content. DivInsights does not endorse, review, or assume any liability for any investment recommendations, solicitations, or advice posted by users.
You agree not to post any Content which (i) is illegal, (ii) violates the copyright, trademark or other rights of any other person, or (iii) is intended to, or has the effect of, harassing or defaming any other person.
You grant the Company a perpetual, royalty-free, worldwide, irrevocable license to display, distribute, and sublicense the Content, including any derivatives thereof. We may do so without crediting or compensating the creator.
INDEMNIFICATION AND DISPUTES
- You agree to defend, indemnify and hold harmless the Company, its officers, directors, employees and agents (collectively, the “Affiliates”), from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees) in connection with, or arising directly or indirectly from: (i) your use of and access to the Services; (ii) your violation of any of this Agreement; (iii) your violation of any third party right, including without limitation any copyright, property, or privacy right; or (iv) any claim that any Content uploaded, posted, transmitted or otherwise made available by you via the Services caused damage to a third party. This defense and indemnification obligation will survive this Agreement.
TERM AND TERMINATION
This Agreement will remain in full force and effect while you use the Services.
The Company reserves the right to terminate your access to and/or use of the Services and remove and discard any Content at any time for any reason, including without limitation any failure to comply with any part of this Agreement. The Company also reserves the right to discontinue providing all or part of the Services or the Features at any time and for any reason. You agree that any termination of your access to or use of the Services and any discontinuation by the Company in providing the Services may be effected without notice to you and that the Company shall be under no obligation to retain any Content, provide any further access to any Content or return any Content to you, unless as required by law. You agree that the Company shall not be liable to you or any third-party for any such termination or for any interruption, suspension or discontinuation of the Services.
WARRANTY DISCLAIMERS AND LIMITATIONS OF LIABILITY
ALTHOUGH WE USE REASONABLE EFFORTS TO ENSURE THAT INFORMATION ON THE SERVICES AND IN THE PRODUCTS, INCLUDING ANY INFORMATION PROVIDED UNDER THE MEMBERSHIP SUBSCRIPTION, IS ACCURATE AND COMPLETE, WE DO NOT GUARANTEE THIS TO BE THE CASE. MOST INFORMATION IS UPDATED WITHIN 48 HOURS BUT CAN TAKE AS LONG AS ONE WEEK OR LONGER TO BE UPDATED. AS A RESULT, ALL INFORMATION CONTAINED ON THE SERVICES, INCLUDING ANY INFORMATION PROVIDED UNDER THE MEMBERSHIP SUBSCRIPTION, IS FOR GENERAL REFERENCE ONLY, AND MAY NOT BE RELIED UPON BY YOU FOR ANY PURPOSE, INCLUDING, WITHOUT LIMITATION, IN MAKING ANY INVESTMENT DECISION.
THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITH ALL FAULTS. THE COMPANY, ITS AFFILIATES, AND ITS CONTENT PROVIDERS DISCLAIM ALL REPRESENTATIONS AND WARRANTIES OF ANY KIND REGARDING THE SERVICES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SYSTEM INTEGRATION, AVAILABILITY, SECURITY, OWNERSHIP, NON-INFRINGEMENT, ACCURACY OF ANY CONTENT, QUIET ENJOYMENT AND/OR NON-INTERFERENCE, AND ABSENCE OF VIRUSES AND DAMAGING OR DISABLING CODE.
THE COMPANY, ITS AFFILIATES, AND ITS CONTENT PROVIDERS SHALL IN NO WAY BE CONSIDERED “EXPERTS” OR LICENSED CORPORATIONS OR INVESTMENT BANKS OR FINANCIAL ADVISORS OR BROKERS IN ANY JURISDICTION. THE COMPANY, ITS AFFILIATES, AND ITS CONTENT PROVIDERS IN NO WAY WARRANT THAT THE SERVICES COMPLY WITH THE REQUIREMENTS OF THE SECURITIES LAWS OF ANY JURISDICTION. THE SERVICES, CONTENT AND PRODUCTS ARE FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE USED AS A SUBSTITUTE FOR ORIGINAL RESEARCH FOR EXPERT OPINIONS, NOR BE CONSTRUED AS LEGAL, INVESTMENT, FINANCIAL, OR ANY OTHER PROFESSIONAL ADVICE.
USE OF THE SERVICES IS AT YOUR SOLE DISCRETION AND RISK, AND NEITHER THE COMPANY NOR ITS AFFILIATES AND ITS CONTENT PROVIDERS WILL BE RESPONSIBLE FOR ANY LIABILITY FOR LOSS OR DAMAGE, EITHER INCIDENTAL OR DIRECT, THAT IS SUFFERED BY YOU ARISING FROM YOUR USE OF THE SERVICES, CONTENT OR PRODUCTS. THE COMPANY, ITS AFFILIATES, AND ITS CONTENT PROVIDERS WILL ALSO HAVE NO LIABILITIES OF ANY KIND WITH RESPECT TO ANY DELAYS, MISDELIVERY OR NON-DELIVERY OF INFORMATION, RESTRICTION OR LOSS OF ACCESS, BUGS, VIRUSES OR OTHER ERRORS, UNAUTHORIZED USE, OR ANY INFORMATION CONTAINED ON THE SITE OR PRODUCTS. THE SERVICES ARE NOT DIRECTED AT, AND MAY NOT BE USED BY, ANY PERSON OR ENTITY IN ANY JURISDICTION WHERE SUCH USE WOULD BE CONTRARY TO APPLICABLE LAWS OR REGULATIONS. YOU ARE ALSO SOLELY RESPONSIBLE FOR ENSURING THAT YOUR USE OF THE SERVICES, CONTENT, OR PRODUCTS COMPLIES WITH ALL APPLICABLE LAWS AND REGULATIONS IN YOUR JURISDICTION. YOU SHOULD TAKE ADEQUATE STEPS TO VERIFY THE ACCURACY AND COMPLETENESS OF ANY INFORMATION CONTAINED ON THE SERVICES, CONTENT OR PRODUCTS.
THE COMPANY, ITS AFFILIATES, AND ITS CONTENT PROVIDERS DO NOT WARRANT THE ACCURACY, COMPLETENESS, OR TIMELINESS OF THE SERVICES OR THE CONTENT. THE COMPANY, ITS AFFILIATES, AND ITS CONTENT PROVIDERS SHALL IN NO WAY BE RESPONSIBLE FOR INVESTMENT DECISIONS, DAMAGES, OR OTHER LOSSES RESULTING DIRECTLY OR INDIRECTLY FROM THE CONTENT OF USERS OR THE COMPANY. INFORMATION CONTAINED ON THE SERVICES AND IN THE CONTENT, INCLUDING ANY INFORMATION PROVIDED UNDER THE MEMBERSHIP SUBSCRIPTION, IS NOT TAILORED FOR YOUR INDIVIDUAL SITUATION AND, AS A RESULT, SUCH INFORMATION MAY BE UNSUITABLE FOR YOU AND YOUR INVESTMENT DECISIONS. THE COMPANY DOES NOT ASSESS THE SUITABILITY OF ANY INVESTMENT FOR ANY USER. YOU ARE SOLELY RESPONSIBLE FOR CONSIDERING YOUR OWN INVESTMENT OBJECTIVES, FINANCIAL SITUATION, NEEDS, AND RISK TOLERANCE BEFORE MAKING ANY INVESTMENT DECISION. IF IN DOUBT, YOU SHOULD SEEK INDEPENDENT PROFESSIONAL ADVICE.
WE ARE NOT ABLE TO EXERCISE CONTROL OVER THE SECURITY OR CONTENT OF INFORMATION PASSING OVER THE INTERNET, AND WE HEREBY EXCLUDE LIABILITY OF ANY KIND FOR THE TRANSMISSION OR RECEPTION OF INFRINGING OR UNLAWFUL INFORMATION OF WHATEVER NATURE.
FROM TIME TO TIME, THE COMPANY WILL PUBLISH INFORMATION, COMMENTARIES, AND RESEARCH ARTICLES THAT MAY INCLUDE OPINIONS AS TO BUYING, SELLING, AND HOLDING DIFFERENT STOCKS. THE COMPANY IS NOT A LICENSED CORPORATION, BROKER, INVESTMENT BANK OR INVESTMENT ADVISOR, AND DOES NOT PROVIDE INVESTMENT ADVICE OR RECOMMENDATIONS DIRECTED TO ANY SUBSCRIBER OR SITE VISITOR. THE COMPANY IS NOT LICENSED BY THE SECURITIES AND FUTURES COMMISSION (SFC) OF HONG KONG AND DOES NOT CARRY ON ANY REGULATED ACTIVITY AS DEFINED UNDER THE SECURITIES AND FUTURES ORDINANCE (CAP. 571) IN HONG KONG. NOTHING ON THE SITE SHOULD BE CONSTRUED AS BEING INVESTMENT ADVICE. ALWAYS CONSULT A FULLY QUALIFIED FINANCIAL ADVISOR BEFORE MAKING ANY INVESTMENT DECISIONS.
NOTE THAT AT VARIOUS TIMES, THE PUBLISHERS, CONTENT PROVIDERS AND EMPLOYEES OF THE COMPANY AND ITS AFFILIATES, OR USERS WHO GENERATE CONTENT, MAY OWN, BUY, OR SELL THE SECURITIES DISPLAYED AND DISCUSSED ON THE SERVICES FOR PURPOSES OF INVESTMENT OR TRADING.
THE COMPANY IS A PUBLISHER AND NOT AN ADVISOR OF ANY SORT. YOU AGREE AND ACKNOWLEDGE THAT NO CONTENT OR SITE CONTENT (AS DEFINED BELOW) PUBLISHED AS PART OF THE SERVICES CONSTITUTES A RECOMMENDATION THAT ANY PARTICULAR INVESTMENT, SECURITY, PORTFOLIO OF SECURITIES, TRANSACTION OR INVESTMENT STRATEGY IS SUITABLE FOR ANY SPECIFIC PERSON. YOU FURTHER UNDERSTAND THAT NONE OF THE CONTENT PROVIDERS OR CREATORS OF OUR SERVICES OR THEIR AFFILIATES WILL ADVISE YOU PERSONALLY CONCERNING THE NATURE, POTENTIAL, VALUE OR SUITABILITY OF ANY PARTICULAR INVESTMENT, SECURITY, PORTFOLIO OF SECURITIES, TRANSACTION, INVESTMENT STRATEGY OR OTHER MATTER.
YOU AGREE AND ACKNOWLEDGE THAT THE VIEWS EXPRESSED IN THE SERVICES ARE THE AUTHORS’ OWN OPINIONS. THE SERVICES MAY CONTAIN OPINIONS FROM TIME TO TIME WITH REGARD TO SECURITIES MENTIONED IN OTHER SERVICES, AND THAT THOSE OPINIONS MAY BE DIFFERENT FROM THOSE OBTAINED BY USING ANOTHER PORTION OF THE SERVICES. TRADING IN SECURITIES (INCLUDING, WITHOUT LIMITATION, STOCKS, OPTIONS, ETFS AND BONDS) INVOLVES RISK AND VOLATILITY. PAST RESULTS ARE NOT INDICATIVE OF FUTURE PERFORMANCE.
YOU ACKNOWLEDGE AND AGREE THAT PERFORMANCE DATA FOR SECURITIES IS SUPPLIED BY SOURCES BELIEVED TO BE RELIABLE BUT THAT SUCH CALCULATIONS ARE NOT GUARANTEED TO BE COMPLETE OR ACCURATE.
COPYRIGHT NOTICE
Aside from the Content submitted by users of the Company and other third parties, the Company’s websites and all of their respective text, images, articles, features, data, code, information, communications, and software (the “Site Content”) are proprietary information of and copyright of the Company – © DivInsights Ltd – 2025. All rights reserved.
All Content, including the Site Content is provided to you as is for your information only. Any redistribution or reproduction of part or all of the Content, including the Site Content, in any form is prohibited other than the following:
- you may print or download to a local hard disk extracts for your personal and non-commercial use only;
- you may share or display articles, text, charts, and images on other websites only with full citation of the Company as the source of the content and a link to www.divinsights.com.
Otherwise, you may not, except with the Company’s express written permission, copy, display, distribute or commercially exploit the Content or the Site Content. You also agree that you will not use any automated devices such as spiders, robots or data mining techniques to catalog, download, store or otherwise reproduce, store or distribute the Content or the Site Content available on the Services.
Any unlawful use of the Services will be considered a breach of this Agreement and may result in immediate termination of your access to the Services. For the avoidance of doubt, there will be no refund or credit for any unused portion of your subscription in the event that your Account or Membership Subscription is suspended or terminated due to a breach of this Agreement. The Company reserves the right to take legal action for any such violation to the full extent permitted by law.
If you believe any of the Content or the Site Content violates your copyright, please email info@divinsights.com. The Company takes copyright protection very seriously.
INTELLECTUAL PROPERTY
As between you and the Company, the Company and/or its licensors or providers, as applicable, own all Intellectual Property (as defined below) rights in and to any documentation, the Services, the Site Content, any and all updates related to the foregoing, and any and all materials furnished or made available as part of the Services. Aside from the limited license(s) granted to you above, no such Intellectual Property rights are transferred to you hereunder. The Company reserves all rights not expressly granted under this Agreement.
All of the Company’s trademarks, service marks, domain names, logos and company names or other proprietary designations (collectively, the “Intellectual Property”) used herein or referred to in the Services are the property of the Company. In countries where any of the Company’s Intellectual Property are not registered, the Company claims other rights associated with such unregistered Intellectual Property. Other product or company names referred to on the Services may be trademarks of their respective owners. You may not use any Intellectual Property of the Company or any third party without permission from the owner of the applicable Intellectual Property.
ADDITIONAL TERMS
This Agreement is governed by and construed in accordance with the laws of Hong Kong Special Administrative Region without giving effect to any principles of conflicts of law. The parties hereby agree that the courts of Hong Kong shall have exclusive jurisdiction to determine any dispute or difference arising between them, and you will not argue to the contrary, save that the Company may at their option bring a claim in respect of a dispute against you in any other court of competent jurisdiction.
This Agreement represents the full and final understanding of the parties with respect to the subject matter hereof, provided that additional terms may be included in any product or Services offered by the Company, which will be deemed to supplement this Agreement.
You may not assign or transfer this Agreement, in whole or in part, to any other person or entity without the prior written consent of the Company. The Company may assign or transfer this Agreement, in whole or in part, without your consent, including in connection with a merger, acquisition, or sale of all or substantially all of its assets. This Agreement shall inure to the benefit of the Company’s successors and permitted assigns. Any unauthorized assignment by you is null and void.
Neither party shall be in default if its failure to perform any obligation under this Agreement is caused solely by supervening conditions beyond that party’s reasonable control including, without limitation, acts of God, civil commotion, war, strikes, labor disputes, third party Internet service interruptions or slowdowns, vandalism or “hacker” attacks, acts of terrorism or governmental demands or requirements.
Any provision of this Agreement held to be unenforceable shall not affect the enforceability of any other provisions of this Agreement.
Neither party’s failure to insist upon or enforce strict performance of any provision of this Agreement will be construed as a waiver of any provision or right. No waiver of any provision or term of this Agreement will be deemed a further or continuing waiver of such term or condition or any other term or condition.
Unless the context requires otherwise, in any part of this Agreement: (a) “including” (and any of its derivative forms, e.g. “included”); (b) “should not”, “shall not” and “may not” are expressions of prohibition, and “will”, “must”, “should” and “shall” are expressions of command, and not merely expressions of future intent or expectation; (c) use of the singular imports the plural and vice versa; (d) references to one or no gender include the other or no gender; (e) references to the term “herein” refer to the Agreement (including any terms incorporated by reference herein); (f) the headings in the Agreement are for ease of reference only and shall not affect its interpretation; and (g) when calculating the time period before which, within which or following which any act is to be done or step taken pursuant to the Agreement, the date that is the reference date in calculating such period shall be excluded and the time period shall be deemed to end at 11:59 PM Hong Kong Time (UTC+8) on the applicable date.
