Terms of Service

Last updated: April 21, 2026

These Terms of Service ("Terms") govern your use of From Zero to Investor ("we", "our", "us"), accessible at www.fromzerotoinvestor.com. By accessing or using this website, you agree to be bound by these Terms. If you do not agree, please do not use this website.

1. Nature of the Website

From Zero to Investor is a personal investing and personal finance blog. All content — including articles, tools, analysis, and resources — is produced by a private individual investor and is published for informational and educational purposes only.

2. Not Financial Advice

Nothing on this website constitutes financial, investment, legal, tax, or any other professional advice. The content reflects personal opinions and experiences only and may not be suitable for your individual circumstances.

Investing involves risk, including the possible loss of capital. Past performance is not indicative of future results. Always conduct your own independent research and consult a qualified financial adviser before making any investment decisions. We accept no responsibility or liability for any financial loss resulting from reliance on information published on this website.

3. AI-Generated Content Disclaimer

This website includes an AI-powered stock analysis tool. Content generated by artificial intelligence may be incomplete, inaccurate, or outdated. AI-generated analysis is provided strictly for informational and educational purposes and must not be treated as financial advice or a recommendation to buy or sell any security.

We make no warranty as to the accuracy, reliability, or completeness of AI-generated content. By using the AI stock analysis tool you acknowledge these limitations and agree that we are not liable for any decisions made based on that content.

4. Affiliate Disclosure

Some links on this website are affiliate or referral links. If you click an affiliate link and sign up or make a purchase, we may receive a commission or other compensation from the third party at no additional cost to you. Affiliate relationships do not influence our editorial content or product recommendations.

Affiliate links are identified where reasonably practicable. We only link to products and services we genuinely use or believe are valuable.

5. User Accounts

You may create a user account on this website. By creating an account, you agree to:

Provide accurate and truthful information during registration.
Keep your login credentials confidential and not share them with others.
Notify us immediately if you suspect unauthorised access to your account.
Use your account only for lawful purposes.

We reserve the right to suspend or terminate accounts that violate these Terms or that we reasonably believe are being used fraudulently or maliciously.

You may delete your account at any time. See our Privacy Policy for details on how your data is handled upon deletion.

6. Intellectual Property

All original content on this website — including written articles, images, graphics, and code — is the property of From Zero to Investor and is protected by applicable copyright law. You may not reproduce, distribute, modify, or republish any content without prior written permission, except for fair use purposes such as brief quotations with clear attribution and a link back to the original page.

Third-party content (embedded videos, brand logos, quoted material) remains the property of its respective owners.

7. Acceptable Use

When using this website, you agree not to:

Violate any applicable law or regulation.
Attempt to gain unauthorised access to any part of the website or its infrastructure.
Transmit any harmful, offensive, or misleading content.
Use automated tools (bots, scrapers) to extract content without permission, in a manner that places undue burden on servers.
Impersonate any person or entity or misrepresent your affiliation.

User Comments

Our website includes a public commenting system. By posting a comment you agree that:

You are solely responsible for the content of your comments.
Your display name and comment content will be visible to all visitors.
You will not post content that is defamatory, harassing, abusive, obscene, fraudulent, or otherwise unlawful.
You will not use the commenting system to distribute spam, advertisements, or unsolicited promotions.

We reserve the right to moderate, reject, or remove any comment at our discretion and without prior notice. Comments may be held for approval before being published. You may edit or delete your own comments at any time using the controls provided. See our Privacy Policy for details on how comment data is stored and processed.

8. Third-Party Links and Services

This website contains links to third-party websites and services (brokers, analysis platforms, social media). These links are provided for convenience only. We have no control over the content, privacy practices, or availability of third-party sites and accept no liability for them. Visiting third-party links is at your own risk.

9. Limitation of Liability

To the fullest extent permitted by applicable law, From Zero to Investor and its owner shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with:

Your use of, or inability to use, this website.
Any reliance placed on information, content, or analysis published on this website.
Any investment or financial decision made based on content from this website.
Interruptions to, or errors in, the availability of the website or its tools.

This limitation applies regardless of whether the damages were foreseeable and whether we had been advised of the possibility of such damages.

10. Disclaimer of Warranties

This website and all its content are provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

11. Privacy

Your use of this website is also subject to our Privacy Policy, which is incorporated into these Terms by reference. Please review it to understand our data practices.

12. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the website after the posting of changes constitutes your acceptance of those changes. We encourage you to review these Terms periodically.

13. Governing Law

These Terms are governed by and construed in accordance with the laws of the Republic of Lithuania and, where applicable, the laws of the European Union, without regard to conflict-of-law principles. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Lithuania.

14. Contact

If you have any questions or concerns about these Terms, please contact us at hello@fromzerotoinvestor.com.