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General Terms and Conditions – Personlig investeringsplan

Version 3.2 – Last Updated: April 14, 2026

Article 1: Applicability and Binding Force

These General Terms and Conditions (hereinafter "Terms") constitute a complete and binding legal agreement between you (the "User") and Personlig investeringsplan. By accessing https://personliginvesteringsplan.com or utilizing our services, you expressly, unconditionally, and without reservation agree to these Terms. Personlig investeringsplan reserves the right to unilaterally modify these Terms to reflect technological or regulatory changes.

Article 2: Nature of Services (Execution-Only)

Personlig investeringsplan provides an advanced technical infrastructure for market data aggregation, investment visualization, and analytical indicators.

2.1. No Financial or Legal Advice:Personlig investeringsplan acts exclusively as an independent technology and data provider. We offer no investment advice, wealth management, tax, or legal advice. All data, plans, and signals generated are purely indicative and educational.

2.2. Decision-Making Autonomy:Any financial decision or transaction executed by the User based on information obtained through the Platform is performed at the User’s sole discretion and exclusive risk.

Article 3: Statutory Risk Disclosure

The User explicitly acknowledges and accepts the following fundamental market risks:

  • Extreme Volatility:Financial markets and assets are subject to unpredictable, abrupt, and extreme price fluctuations.
  • Risk of Capital Loss:All investment-related activities carry an inherent risk of partial or total loss of invested capital.
  • No Performance Guarantees:Historical datasets and algorithmic probabilities offer no guarantee of future profitability.

Article 4: Intellectual Property and Usage Restrictions

The entire infrastructure of Personlig investeringsplan, including all proprietary data models, source codes, graphical interfaces (UI/UX), and databases, is the exclusive and inalienable property of the Platform. It is strictly prohibited to:

  • Subject the platform or algorithms to reverse engineering or decompilation.
  • Utilize automated extraction tools (scrapers, bots) for mass data harvesting.
  • Misuse the platform for any form of money laundering or market manipulation.

Article 5: Limitation of Liability and Force Majeure

To the maximum extent permitted under Norwegian law, Personlig investeringsplan shall not be liable for any direct, indirect, or consequential damages arising from:

  • Technical downtime, API latency, or inaccuracies in third-party data feeds.
  • Force Majeure events as defined by Norwegian law, including massive cyberattacks (DDoS), national utility failures, or government interventions.

Article 6: Indemnification Clause

The User agrees to fully indemnify and hold harmless Personlig investeringsplan, its directors, and employees from all claims, losses, and legal costs arising from a breach of these Terms by the User or unauthorized account access.

Article 7: Governing Law and Jurisdiction

This agreement is exclusively governed by and construed in accordance with the laws of the Kingdom of Norway. Any disputes arising from these Terms that cannot be settled amicably within sixty (60) days shall be submitted to the exclusive jurisdiction of the Oslo District Court (Oslo tingrett).

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