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TERMS OF USE

Effective Date: 01/01/2026
Last Updated: 01/01/2026

 

These Terms of Use (“Terms”) govern your access to and use of all content, features, and services provided by Capital Returns & Equity Intelligence (“CREI,” “we,” “us,” or “our”), including this website and any related digital interfaces (collectively, the “Website”).

By accessing or using the Website, you agree to be bound by these Terms. If you do not agree, you must discontinue all use of the Website.

1. Eligibility & Acceptance

By using the Website, you confirm that:

  • you are at least 18 years old (or the legal age of majority in your jurisdiction), and
  • you have the legal capacity to enter into binding agreements.

If you are accessing the Website on behalf of a legal entity, you represent that you have authority to bind that entity.

2. Modifications to Terms

CREI may modify or update these Terms at any time.
Updated Terms will be posted on the Website with a revised “Last Updated” date. Continued use constitutes acceptance of updated Terms.

3. Website Use & Conduct

You may use the Website for lawful purposes only. You may not:

  • engage in illegal, fraudulent, or harmful activities
  • attempt to gain unauthorized access to any systems or networks
  • interfere with Website performance or security
  • transmit viruses, malware, or harmful code
  • scrape, harvest, index, or extract data without consent
  • violate intellectual property, privacy, or publicity rights

CREI may suspend or terminate access for violations of these Terms.

4. Intellectual Property

All content available on the Website—including designs, text, data, graphics, logos, trademarks, audio, video, models, digital files, and software—is owned or licensed by CREI and protected by U.S. and international intellectual property laws.

CREI grants a limited, non-exclusive, revocable, non-transferable license to access and use the Website for personal or internal business purposes only.

You may not reproduce, modify, distribute, perform, create derivative works from, or otherwise exploit Website content without prior written authorization.

5. Third-Party Links & Integrations

The Website may contain links to or integrations with third-party websites, tools, or services. Access to third-party services is provided for convenience only.

CREI does not endorse or assume responsibility for any third-party content, accuracy, or privacy practices.

You should review third-party terms and policies before interacting with those services.

6. Privacy & Data Protection

Your use of the Website is also governed by our Privacy Policy, which describes how we collect, process, and protect personal data in compliance with applicable laws in the U.S., California (CCPA/CPRA), and the European Union (GDPR).

7. Cookies & Similar Technologies

The Website may use cookies, tags, pixels, and similar technologies to analyze Website usage, improve performance, or deliver features.

Certain cookies may require consent under applicable data protection laws. You may withdraw or manage cookie preferences through your browser or consent tools.

8. No Professional or Fiduciary Advice

Website content is provided for informational purposes only and does not constitute:

  • financial advice
  • investment advice
  • legal advice
  • consulting services
  • fiduciary duties
  • recommendations or endorsement

Decisions made using Website information are your own responsibility.

9. Disclaimer of Warranties

The Website is provided on an “as is” and “as available” basis without warranties of any kind, whether express, implied, statutory, or otherwise, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

CREI does not warrant that:

  • the Website will be uninterrupted, secure, or error-free
  • defects will be corrected
  • information provided is accurate or reliable
  • the Website will meet your requirements or expectations

10. Limitation of Liability

To the maximum extent permitted by law, CREI and its officers, directors, employees, contractors, and agents shall not be liable for any direct, indirect, incidental, special, consequential, punitive, exemplary, or economic damages arising out of or relating to Website use.

If liability cannot be excluded under applicable law, CREI’s aggregate liability shall not exceed USD $100.

11. Indemnification

You agree to indemnify and hold harmless CREI from claims, damages, losses, liabilities, and expenses (including attorneys’ fees) arising out of your:

  • misuse of the Website
  • violation of these Terms
  • violation of intellectual property or privacy rights
  • breach of applicable laws or regulations

12. Governing Law, Jurisdiction & Dispute Resolution

Governing Law (Default):
These Terms are governed by the laws of the State of Oregon, U.S., without regard to conflict-of-law principles.

Arbitration:
Except where prohibited, disputes shall be resolved through binding arbitration administered by the American Arbitration Association. Arbitration shall be confidential.

Jurisdiction (Non-Arbitrable Matters):
For matters not subject to arbitration, parties consent to exclusive jurisdiction in courts located in Portland, OR.

EU & Consumer Exceptions:
For users protected under mandatory EU consumer laws, dispute resolution terms apply only to the extent permitted by applicable EU law.

13. Export Compliance & Sanctions

You may not use the Website in violation of U.S. export control, sanctions, or embargo laws. Website access is prohibited where such access is unlawful.

14. Force Majeure

CREI is not liable for delays or failures caused by events beyond reasonable control, including natural disasters, war, labor disputes, cyberattacks, utility failures, or regulatory changes.

15. Termination

CREI may suspend or terminate access to the Website at any time without notice for conduct inconsistent with these Terms or for security purposes.

16. Children’s Use

The Website is not directed to persons under 16. We do not knowingly collect data from children without required parental consent under applicable laws.

17. International Users & Transfers

If you access the Website from outside the U.S., you are responsible for compliance with local laws and acknowledge processing and transfer of data consistent with the Privacy Policy and GDPR transfer mechanisms.

18. Entire Agreement & Severability

These Terms constitute the entire agreement between you and CREI regarding Website use.
If any provision is found unenforceable, the remaining provisions shall remain valid.

19. No Waiver

Failure to enforce any provision shall not constitute a waiver of future enforcement.

20. Contact Information

For questions regarding these Terms:

CREI
4949 S Landing Dr. Unit 721,
Portland, OR 97239
Email: contact@crei.com
Phone: +1 (888) 273-4101

© 2026 CREI. All rights reserved.