Terms of Use and Access

Terms and Conditions

These Terms and Conditions govern access to and use of the Latarteistie website, research materials, analytical tools, and educational content provided through the platform. By accessing or using any part of the website, the user agrees to be bound by these terms. If the user does not agree with any provision, they must discontinue use immediately.

November 1, 2026

User Eligibility

The website and its services are intended for institutional investors, pension professionals, actuarial consultants, financial analysts, and other qualified individuals with relevant expertise. The user represents that they are at least eighteen years of age and possess the legal capacity to enter into binding agreements.

Access to certain restricted content or subscription services may require verification of professional status, institutional affiliation, or other credentials as determined by the Company.

User Responsibilities

The user agrees to use the website and its content in a lawful, ethical, and responsible manner. The following obligations apply to all users regardless of subscription tier or access level.

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The user must provide accurate, current, and complete information when registering for an account, subscribing to services, or submitting inquiries through the website.
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The user is responsible for maintaining the confidentiality of account credentials, passwords, and access tokens. The user must notify the Company immediately of any unauthorized access or security breach.
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The user agrees not to use automated systems, spiders, scrapers, or other data extraction tools to access, monitor, or copy content from the website without express written permission from the Company.
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The user must comply with all applicable laws, regulations, and professional standards when using research findings, datasets, or analytical tools obtained through the platform.

Definitions

For the purposes of these Terms and Conditions, the following terms shall have the meanings set out below unless the context requires otherwise.

Company refers to Latarteistie, the entity operating the website and providing research materials, analytical content, and related services through latarteistie.world.

Content means all text, data, graphics, images, software, research reports, analytical tools, datasets, and other materials available on or through the website.

User means any individual or entity that accesses, browses, or otherwise uses the website, whether registered or unregistered, including institutional subscribers and casual visitors.

Services refers to all research publications, analytical frameworks, queryable datasets, executive education programs, custom research partnerships, and advisory discussions offered by the Company through the website or related channels.

Prohibited Activities

The user is expressly prohibited from engaging in any of the following activities in connection with use of the website or its content.

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Using the content for unlawful purposes, including fraud, market manipulation, misrepresentation, or any activity that violates securities regulations or financial services laws.
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Attempting to gain unauthorized access to restricted areas, servers, databases, or user accounts connected to the website or its infrastructure.
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Removing, altering, or obscuring any copyright notices, trademarks, watermarks, or other proprietary markings from research reports, datasets, or other published materials.
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Sharing subscription credentials, institutional login details, or proprietary datasets with unauthorized third parties, including colleagues who are not covered under the same subscription agreement.
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Using the website in any manner that could disable, overburden, damage, or impair the platform, interfere with other users' access, or attempt to circumvent security measures or access controls.

Intellectual Property

All content, research, methodologies, datasets, software, trademarks, and materials available on the website are the exclusive property of the Company or its licensors and are protected by copyright, trademark, and other intellectual property laws. No ownership rights are transferred to the user through access or subscription.

User Content

The user may submit comments, feedback, inquiries, or other materials to the Company through the website or related channels. The user retains ownership of original content they submit but grants the Company a perpetual, irrevocable, royalty-free license to use, reproduce, modify, and distribute such content for operational and promotional purposes.

Content Rights

The Company reserves the right to review, edit, remove, or refuse to publish any user-submitted content that violates these terms, infringes third-party rights, or is otherwise objectionable at the Company's sole discretion.

Privacy and Data

The Company's collection, processing, and protection of personal data are governed by the Privacy Policy, which is incorporated by reference into these Terms and Conditions. By using the website, the user consents to such processing and warrants that all provided data is accurate.

Read the Privacy Policy

Disclaimer of Warranties

The website and all content are provided on an as-is and as-available basis without warranties of any kind, whether express or implied. The Company does not warrant that the website will be uninterrupted, secure, error-free, or free from harmful components.

No Professional Advice

The content does not constitute financial, investment, legal, tax, or actuarial advice. The Company is not a licensed financial advisor, and no client-advisor relationship is created through provision of website content or research materials.

Limitation of Liability

To the fullest extent permitted by law, the Company shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from use of or inability to use the website, even if advised of the possibility of such damages.

Indemnification

The user agrees to indemnify, defend, and hold harmless the Company, its directors, employees, affiliates, and agents from any claims, damages, losses, or expenses arising from the user's violation of these terms, misuse of content, or infringement of third-party rights.

Arbitration Process

The parties agree to first attempt to resolve any dispute through good-faith negotiation. If negotiation fails, the dispute shall be submitted to binding arbitration administered by a recognized arbitration body in Ireland, conducted in English, with costs borne as determined by the arbitrator.

The arbitrator's decision shall be final and binding on both parties, and judgment upon the award may be entered in any court of competent jurisdiction.

Online Dispute Resolution

European Union consumers may access the European Commission's Online Dispute Resolution platform for out-of-court resolution of disputes concerning online services. The Company is not obligated to participate in ODR proceedings but will consider reasonable requests.

Visit the ODR platform

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of Ireland, without regard to its conflict of law provisions. Any legal action arising from these terms shall be brought exclusively in the courts of Ireland.

Termination

The Company reserves the right to suspend or terminate the user's access to the website, content, or services at any time, with or without cause, notice, or liability. Upon termination, all licenses granted to the user shall immediately cease.

Modifications

The Company may revise these Terms and Conditions at any time by updating this page. Continued use of the website following any changes constitutes acceptance of the revised terms. Users are encouraged to review this page periodically for updates.

Severability

If any provision of these Terms and Conditions is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

Entire Agreement

These Terms and Conditions, together with the Privacy Policy, Cookie Policy, and Disclaimer, constitute the entire agreement between the user and the Company regarding use of the website and supersede all prior agreements, understandings, and communications.

Contact Information

For questions, concerns, or notices related to these Terms and Conditions, users may contact the Company through the channels provided on the website. The Company will endeavor to respond to all inquiries in a timely manner.

Email: content@latarteistie.world

Phone: +353-21-463-8682

Office: The Plaza, East Point Business Park Dublin 3 D03 E5R6, Ireland