Disclaimer and Professional Advice:
HIVE Financials, through its newsletter "Science 4 Investments," does not endorse or recommend specific financial products or services. It strongly advises readers to seek professional advice before making any financial decisions. Readers are solely responsible for their financial actions, and HIVE Financials is not liable for any losses resulting from reliance on the provided information.

Liability Disclaimer for Accuracy:
While HIVE Financials endeavors to provide accurate and up-to-date information, it does not guarantee the accuracy or completeness of the content. HIVE Financials will not be held responsible for errors or omissions, and any actions taken based on the information provided in its newsletter or on its website are at the reader's own risk.

Intellectual Property:
All content and materials on HIVE Financials' website and in its newsletters, including text, graphics, and logos, are the property of HIVE Financials and are protected by copyright and trademark laws. Commercial use of this content without express written consent from HIVE Financials is prohibited.

Termination of Use:
HIVE Financials reserves the right to terminate or suspend user access to its website and newsletters at any time, without notice, for reasons including but not limited to the violation of these terms of use.

Governing Law:
These terms of use and the use of HIVE Financials' website and newsletters are governed by the laws of Germany. Disputes will be resolved in the courts of Mannheim, Germany.

Agreement and Access:
By accessing HIVE Financials' website and newsletters, users agree to be bound by these terms of use. Unauthorized users are not permitted to use the website or newsletters.

Third-Party Links:
HIVE Financials' website may contain links to third-party sites for user convenience. HIVE Financials has no control over the content of these sites and accepts no responsibility for any loss or damage arising from their use. Users access third-party websites at their own risk.

Warranty Disclaimer:
Use of HIVE Financials' website and its content is at the user's risk. The website and its content are provided "as is" and "as available," without any warranties, either express or implied. HIVE Financials disclaims all warranties, including but not limited to completeness, security, reliability, quality, accuracy, or availability.

Limitation on Liability:
In no event will HIVE Financials, its affiliates, or their licensors, service providers, employees, agents, officers, or directors be liable for damages of any kind arising out of or in connection with the use or inability to use the website. This includes direct, indirect, special, incidental, consequential, or punitive damages, even if foreseeable.

Changes to Terms of Use:
HIVE Financials may revise and update these terms of use at its sole discretion. Changes are effective immediately upon posting, applying to all subsequent access and use. Users are expected to check for updates regularly.

Age Requirement:
HIVE Financials' website is intended for users aged 18 or older. By using the website, users represent and warrant that they meet the eligibility requirements. Users not meeting these requirements must not access or use the website.