Terms & Conditions

By accessing keystone-io.net, our mobile app or any keystone-io service, you agree to these Terms & Conditions together with our Privacy Policy, Risk Disclosure Policy and Cancellation Policy. If you do not agree, please do not use our services.

We may update these terms. Material changes will be notified by email or in your dashboard at least 30 days before they take effect; continued use after that date means you accept the updated terms.

keystone-io serves clients in several jurisdictions, and financial-services rules differ from country to country. Our services are not offered to residents of jurisdictions where doing so would be unlawful. You are responsible for making sure that using our services is permitted where you live.

We publish articles, market commentary, tools and educational material in various formats. Some content may be unavailable in certain regions for regulatory reasons. We aim to keep information accurate and up to date but cannot guarantee it is complete or error-free at all times.

General content on our website — including blog posts, insights and calculators — is for information only and is not personal financial, investment, tax or legal advice. Personal recommendations are given only through your advisor as part of an active account, based on the information you provide to us.

All content, software, designs, logos and trademarks on our platform belong to keystone-io or its licensors and are protected by intellectual-property laws. You may view and print content for personal, non-commercial use. You may not copy, modify, distribute or create derivative works without our written permission.

Our platform may link to or integrate services from third parties such as custodians, data providers and payment processors. We choose partners carefully, but we are not responsible for third-party websites or content that we do not control. Your use of those services may be subject to their own terms.

Investment values can go down as well as up, and past performance does not guarantee future results. keystone-io does not guarantee profits or protect you against investment losses, except where the law requires otherwise.

We will provide our services with reasonable skill and care, act in accordance with applicable law and regulation, and keep your assets segregated with regulated custodians. To the extent permitted by law, our liability is limited to direct losses caused by our negligence, fraud or breach of these terms.

You agree to provide accurate and complete information, keep it up to date, use the platform lawfully, and not attempt to interfere with its security or operation. You are responsible for decisions you take outside of advice we have given you.

You must keep your password and two-factor authentication device secure and must not share your login with anyone. If you believe your account has been accessed without permission, contact us immediately; we will help you secure and recover it.

All investing involves risk. Please read our Risk Disclosure Policy before opening an account. We provide tools such as diversification, risk profiling and portfolio monitoring to help manage risk, but they cannot remove it.

You may close your account at any time as described in our Cancellation Policy. We may suspend or close an account if these terms are breached, if we are required to by law or a regulator, or if we suspect fraud or unauthorised access, including anyone other than the registered account holder using the account.

These terms are governed by the laws of [jurisdiction]. Questions about these terms can be sent to legal@keystone-io.net. keystone-io is operated by [Company legal name], registration number [registration number], [registered office address].