Terms of Service

Effective Date: 30.07.2025
Last Updated: 15.08.2025

1. Introduction

Welcome to HumanomicsX ("we," "our," or "us"). These Terms of Service ("Terms") govern your use of our website at https://humanomicsx.com and all related services, including our newsletters, premium reports, tools, calculators, and educational content.

By accessing or using our website, subscribing to our newsletter, or purchasing our premium services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.

2. Our Services

HumanomicsX provides financial education content and services including:

2.1 Free Services

• Weekly newsletter with market insights and financial education

• Blog articles on investment strategies and wealth building

• Financial calculators and planning tools

• Educational resources and content

2.2 Premium Services

• Premium PDF reports with in-depth analysis and research

• Live portfolio dashboard access

• Emergency and portfolio alerts

• Macro economic analysis and forecasts

• Early access to blog content

3. Subscriptions and Payment

3.1 Subscription Types

• Monthly Premium Subscription: Billed monthly, access to all premium content

• Annual Premium Subscription: Billed annually, access to all premium content

3.2 Payment Processing

Payments are processed through secure third-party payment processors (Paddle, FastSpring, or 2Checkout). By subscribing, you authorize recurring charges to your payment method.

3.3 Pricing Changes

We reserve the right to modify subscription prices with 30 days' notice to existing subscribers. Price changes will not affect your current billing cycle.

4. Cancellation and Refunds

4.1 Cancellation Policy

• You may cancel your subscription at any time

• For monthly subscriptions: Cancellation must be completed before the 25th of the month to avoid charges for the following month

• For annual subscriptions: You may cancel at any time

4.2 Refund Policy

• Monthly subscriptions: No refunds due to the digital nature of the content

• Annual subscriptions: Partial refunds available for unused months remaining on your subscription, calculated from the 1st of each month

• Example: If you cancel your annual plan 3 months in, you'll receive a refund for the remaining 9 months

• All refund requests must be submitted to automatic system provided by our payment provider or support@humanomicsx.com [Not recommended]

4.3 Access After Cancellation

Upon cancellation, your access to premium content will continue until the end of your current billing period.

5. Intellectual Property Rights

5.1 Our Content Ownership

All content on HumanomicsX, including but not limited to articles, reports, analysis, newsletters, tools, logos, and graphics, is owned by HumanomicsX and protected by copyright and other intellectual property laws.

5.2 Your Use Rights

For Premium Content:

• Personal use only - you may not share, redistribute, or resell premium reports or content

• You may not reproduce, distribute, modify, or create derivative works from premium content

• Premium content is licensed to you for individual use only

For Free Content (Blog Posts, Free Newsletter):

• You may quote small portions (up to 2 paragraphs) with proper attribution

• You must include a backlink to the original HumanomicsX post when quoting our content

• You may not republish entire articles or substantial portions without written permission

• All quotes must include clear credit to HumanomicsX

5.3 Prohibited Uses

You may not:

• Copy, reproduce, or redistribute our premium content in any form

• Share premium reports with others or post them publicly

• Use our content to manipulate markets or for illegal activities

• Remove copyright notices or attributions from our content

• Create derivative works without permission

6. User Conduct and Prohibited Activities

6.1 Acceptable Use

You agree to use our services only for lawful purposes and in accordance with these Terms.

6.2 Prohibited Activities

You may not:

• Use our services for any illegal or unauthorized purpose

• Violate any applicable laws or regulations

• Transmit spam, viruses, or malicious code

• Attempt to gain unauthorized access to our systems

• Interfere with or disrupt our services

• Impersonate HumanomicsX or misrepresent your affiliation with us

• Use automated tools to access our content without permission

6.3 Age Restriction

Our services are intended for adults (18 years and older). We do not knowingly provide services to minors.

7. Privacy and Communications

7.1 Newsletter Communications

By subscribing to our newsletter, you consent to receive regular emails containing financial insights, market analysis, and promotional content about our services.

7.2 Unsubscribing

You may unsubscribe from our newsletter at any time using the unsubscribe link in any email or by contacting support@humanomicsx.com [Not recommended].

7.3 Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which governs how we collect, use, and protect your personal information.

8. Third-Party Content and Links

8.1 Affiliate Links

Our content may include affiliate links to books, tools, or services. These are clearly disclosed in our content. We may earn commissions from purchases made through these links at no additional cost to you.

8.2 Third-Party Websites

We may link to third-party websites for your convenience. We are not responsible for the content, privacy practices, or terms of these external sites.

8.3 User Testimonials and Reviews

You may provide testimonials, reviews, or feedback about our services. You grant us a non-exclusive right to use these testimonials for marketing purposes. You may not disclose specific premium content details in public reviews.

9. Content Sharing and Attribution

9.1 Free Content Sharing

For our free blog posts and newsletter content:

• You may share excerpts (up to 2 paragraphs) with proper attribution

• You must include a link back to the original HumanomicsX article

• You must clearly credit HumanomicsX as the source

• Full republication requires written permission

9.2 Social Media Sharing

You may share links to our free content on social media platforms with appropriate attribution.

10. Disclaimers and Limitations

10.1 Financial Disclaimer

All financial content is for educational purposes only and should not be considered personalized investment advice. Please refer to our separate Disclaimer for complete details regarding investment risks and limitations.

10.2 Service Availability

We strive to maintain continuous service but cannot guarantee uninterrupted access. We may temporarily suspend services for maintenance or updates.

10.3 Content Accuracy

While we strive for accuracy, we do not guarantee the completeness, reliability, or timeliness of any content. You are responsible for verifying information before making decisions.

11. Termination

11.1 Termination by You

You may cancel your subscription at any time following our cancellation procedures outlined in Section 4.

11.2 Termination by Us

We may suspend or terminate your access to our services if you:

• Violate these Terms of Service

• Engage in prohibited activities

• Fail to pay subscription fees

• Use our services in ways that could harm our business or other users

11.3 Effect of Termination

Upon termination, your right to access our services will cease immediately, except for any remaining paid subscription period.

12. Copyright Protection and Enforcement

12.1 DMCA Compliance

We respect intellectual property rights and expect users to do the same. If you believe our content infringes your copyright, please contact us with details.

12.2 Protection of Our Content

If you illegally share, distribute, or pirate our premium content, you violate these Terms and may be subject to:

• Immediate termination of your subscription

• Legal action for copyright infringement

• DMCA take-down notices for unauthorized distribution

• Claims for damages and attorney fees

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HUMANOMICSX SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR USE, ARISING FROM YOUR USE OF OUR SERVICES.

14. Indemnification

You agree to indemnify and hold harmless HumanomicsX from any claims, damages, losses, or expenses (including attorney fees) arising from your violation of these Terms or misuse of our services.

15. Changes to Terms

We may update these Terms from time to time. We will notify subscribers of material changes via email or prominent website notice. Continued use of our services after changes take effect constitutes acceptance of the updated Terms.

16. Governing Law

These Terms are governed by and construed in accordance with applicable laws. Any disputes will be resolved through appropriate legal channels.

17. Severability

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

18. Contact Information

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

Email: support@humanomicsx.com

For subscription management, cancellations, or refund requests, please include "Subscription Support" in your subject line.

Important: These Terms of Service work in conjunction with our Privacy Policy and Investment Disclaimer. Please review all documents to understand your rights and obligations when using HumanomicsX services.