Terms of Service

Welcome to INGOTX. These Terms of Service (“Terms”) govern your access to and use of the INGOTX website at ingotx.com (the “Site”) and our precious metals price comparison and portfolio tracking 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, you may not access or use our Services.

1. Acceptance of Terms

By creating an account, accessing our website, or using any of our Services, you acknowledge that:

• You have read and understood these Terms
• You agree to be bound by these Terms and our Privacy Policy
• You are at least 18 years of age
• You have the legal capacity to enter into this agreement

2. Description of Services

INGOTX provides the following services:

• Price Comparison: Real-time precious metals pricing data from multiple dealers
• Portfolio Tracking: Tools to track and monitor your precious metals holdings
• Price Alerts: Custom notifications when prices meet your specified criteria
• Market Data: Premium trends, dealer comparisons, and market statistics
• Educational Content: Articles, guides, and resources about precious metals investing

4. User Accounts

4.1 Account Registration

To access certain features, you must create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and update your information to keep it accurate
• Keep your password secure and confidential
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access or security breach

4.2 Account Eligibility

You must be at least 18 years old to create an account. By creating an account, you represent and warrant that you meet this age requirement.

4.3 Account Security

You are responsible for maintaining the confidentiality of your account credentials. You agree not to:

• Share your account with others
• Use another person's account without permission
• Create multiple accounts for fraudulent purposes
• Attempt to gain unauthorized access to other accounts

5. Acceptable Use

5.1 Permitted Use

You may use our Services for lawful personal or commercial purposes, including researching precious metals prices and managing your investment portfolio.

5.2 Prohibited Activities

You agree NOT to:

• Scrape or Copy Data: Use automated tools (bots, scrapers, crawlers) to extract data from our Site without written permission
• Interfere with Services: Disrupt, damage, or impair our servers, networks, or Services
• Violate Laws: Use our Services for any illegal purpose or in violation of any applicable laws
• Impersonate Others: Falsely represent yourself or impersonate any person or entity
• Transmit Malware: Upload viruses, malware, or other malicious code
• Spam or Abuse: Send unsolicited messages, spam, or engage in abusive behavior
• Circumvent Security: Attempt to bypass security measures or access restrictions
• Infringe Rights: Violate intellectual property rights or other proprietary rights
• Manipulate Data: Submit false or misleading information

6. Intellectual Property

6.1 Our Ownership

All content on the Site, including but not limited to text, graphics, logos, images, data compilations, software, and the overall design, is owned by INGOTX or our licensors and is protected by copyright, trademark, and other intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for personal, non-commercial purposes. This license does not include:

• The right to resell or commercially exploit our content or Services
• The right to reproduce, distribute, or create derivative works
• The right to scrape, download, or systematically collect data
• The right to use our trademarks or branding without permission

6.3 User Content

You retain ownership of any portfolio data, notes, or other content you input into our Services (“User Content”). By using our Services, you grant us a worldwide, non-exclusive, royalty-free license to use, store, and process your User Content solely to provide our Services to you.

7. Third-Party Links and Services

Our Site contains links to third-party websites and services, including precious metals dealers and affiliate partners. These links are provided for your convenience only. We:

• Do not control or endorse third-party websites
• Are not responsible for their content, practices, or policies
• Do not guarantee the accuracy of their pricing or product information
• Are not liable for any transactions or interactions you have with third parties

Your interactions with third-party dealers are governed by their own terms and policies. Please review them carefully before making any purchases.

8. Advertising and Affiliate Relationships

Our Services are supported by advertising (Google AdSense) and may include affiliate relationships with precious metals dealers. This means:

• We may display third-party advertisements on our Site
• We may earn commissions when you click on affiliate links or make purchases through them
• Affiliate relationships do not influence our price comparisons or data accuracy
• Advertisements are labeled as such when required by law

For more information, see our Affiliate Disclosure.

9. Modifications to Services

We reserve the right to:

• Modify, suspend, or discontinue any aspect of our Services at any time
• Change pricing for premium features (with notice to paid subscribers)
• Update features, functionality, or data sources
• Impose limits on certain features or restrict access to parts of the Services

We will make reasonable efforts to notify you of material changes, but we are not liable for any modifications or discontinuation of Services.

11. Indemnification

You agree to indemnify, defend, and hold harmless INGOTX and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your violation of these Terms
• Your use or misuse of our Services
• Your violation of any third-party rights
• Your User Content or account activity
• Your violation of any applicable laws or regulations

12. Term and Termination

12.1 Term

These Terms remain in effect while you use our Services.

12.2 Termination by You

You may terminate your account at any time by:

• Using the account deletion feature in your account settings
• Contacting us at support@ingotx.com

12.3 Termination by Us

We reserve the right to suspend or terminate your account and access to our Services at our sole discretion, without notice, for any reason, including but not limited to:

• Violation of these Terms or our policies
• Fraudulent, abusive, or illegal activity
• Extended periods of inactivity
• Requests by law enforcement or government agencies

12.4 Effect of Termination

Upon termination:

• Your right to access and use our Services immediately ceases
• Your account and User Content may be deleted (subject to our data retention policies)
• Sections of these Terms that should survive termination (disclaimers, limitations of liability, indemnification) will remain in effect

13. Dispute Resolution

13.1 Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles.

13.2 Informal Resolution

Before filing any legal claim, you agree to first contact us at legal@ingotx.com to attempt to resolve the dispute informally. We will attempt to resolve the dispute within 60 days.

13.3 Arbitration

If we cannot resolve a dispute informally, you agree that any dispute arising from these Terms or your use of our Services will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, rather than in court, except that:

• You may assert claims in small claims court if they qualify
• You or we may seek injunctive or equitable relief in court to prevent infringement of intellectual property rights

YOU WAIVE YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN CLASS ACTIONS.

14. General Provisions

14.1 Entire Agreement

These Terms, together with our Privacy Policy and other policies referenced herein, constitute the entire agreement between you and INGOTX regarding our Services.

14.2 Modifications to Terms

We may modify these Terms at any time. We will notify you of material changes by:

• Posting the updated Terms on this page with a new “Last Updated” date
• Sending an email notification to registered users (for significant changes)

Your continued use of our Services after changes become effective constitutes acceptance of the updated Terms. If you do not agree to the modified Terms, you must stop using our Services.

14.3 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

14.4 Waiver

Our failure to enforce any right or provision of these Terms will not constitute a waiver of such right or provision.

14.5 Assignment

You may not assign or transfer these Terms or your account without our written consent. We may assign these Terms to any affiliate or in connection with a merger, acquisition, or sale of assets.

14.6 Force Majeure

We are not liable for any failure or delay in performing our obligations due to circumstances beyond our reasonable control, including natural disasters, acts of government, network failures, or other force majeure events.

15. Contact Information

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

INGOTX
Email: legal@ingotx.com
Support: support@ingotx.com