Terms of use.

1What the Website is

1. The Website is a publication. Through it the Company publishes articles, reports, notes, newsletters, recordings and related materials about technology, market infrastructure, software development and the financial industry (together, the “Content”).
2. The Company is a technology company and a publisher. It is not a bank, an investment firm, a broker, a payment institution, an electronic money institution or a fund manager. It holds no authorisation from any financial supervisory authority, is not supervised by any, and provides no investment service, no ancillary investment service and no payment service.
3. No account, no money, no instrument. No trading account can be opened through the Website, no money can be deposited or withdrawn through it, and no financial instrument is offered, arranged or transmitted through it.
4. The Service. The Website, the Content and everything else made available by the Company through the Website, including any account, newsletter, subscription and audio version, are together referred to in these Terms, and in the Privacy Policy, as the “Service”.

2Nothing here is investment advice

1. The Content is published for information only. It is not investment advice, a personal recommendation, a solicitation, an inducement or an offer to buy, sell or hold any financial instrument, and it must not be relied upon as any of those things.
2. No recommendation and no suitability. The Content is general in nature. It is not addressed to any particular person, it takes no account of any individual’s financial situation, investment objectives, knowledge, experience, holdings or ability to bear loss, and nothing in it is presented as suitable or appropriate for any particular person.
3. Not investment research. The Content is not prepared in accordance with the legal requirements designed to promote the independence of investment research, and it is not subject to any prohibition on dealing ahead of its dissemination.
4. No advisory relationship. Reading the Content, registering for an account or subscribing to a newsletter creates no advisory, fiduciary or other relationship of trust between the User and the Company, and gives rise to no duty of care in respect of any decision the User may take.
5. Independent advice. A User who is considering a financial decision should obtain advice from a person authorised to give it, having regard to the User’s own circumstances.
6. Risk. Where the Content refers to trading or to financial instruments, the User should be aware that trading carries risk, that leveraged instruments such as contracts for difference and foreign exchange carry a high risk of losing money rapidly, and that past performance and simulated performance are not indications of future results.
7. Accuracy and currency. The Content is believed to be accurate at the date of publication. It may become out of date, and the Company does not undertake to update it. Statements about future events are estimates, not promises.

3Account, newsletter and subscription

1. Some parts of the Website may require registration. The User is responsible for the accuracy of the information given, for the security of the credentials, and for everything done through the account.
2. An account is personal. The User must not share credentials, must not permit any other person to use the account, and must notify the Company without delay of any unauthorised use.
3. A newsletter is sent only to a person who has asked to receive it. It can be stopped at any time through the link in every message or by writing to the address stated in these Terms, without giving reasons and without cost.
4. At the date of these Terms the Content is provided free of charge. Where a paid subscription is introduced, its price, its term, its renewal and the means of cancelling it will be stated before the purchase is made, and these Terms will be amended accordingly. A User who is a consumer has the rights conferred by mandatory consumer law, including the right of withdrawal in respect of digital content and digital services.
5. The Website is not directed at persons under 18 years of age, and no account may be registered by such a person.

4Acceptable use

1. The Website may be used only for lawful purposes and in a manner which does not restrict or inhibit its use by anyone else.
2. The User shall not:
   1. submit, publish or transmit anything unlawful, defamatory, threatening, abusive, harassing, obscene, discriminatory or inciting hatred or violence, or anything which infringes the rights of any person;
   2. impersonate any person or misrepresent an affiliation with the Company, or use the Website to suggest an endorsement which does not exist;
   3. use the Website to advertise, promote or solicit any financial service, investment opportunity or trading signal, or to recruit clients;
   4. introduce any virus, worm or other malicious code, attempt to gain unauthorised access to any part of the Website or to any account, probe or test its security, or circumvent any access restriction or technical measure;
   5. place an unreasonable load on the Website, interfere with its operation, or take any step which impairs its availability for others;
   6. remove, obscure or alter any notice of authorship, copyright or origin.
3. Where the Website allows comments, questions or other submissions, the User is responsible for what is submitted. The Company may moderate, edit, refuse or remove a submission at its discretion and without giving reasons, but is under no obligation to monitor submissions.
4. The Company may restrict, suspend or terminate access where these Terms are breached, where a security risk arises, or where it is required to do so by law.

5Automated access, text and data mining, and artificial-intelligence training

1. Reservation of rights. The Company expressly reserves its rights in the Content against text and data mining, including for the purposes of developing or training any artificial-intelligence model, in accordance with Article 4(3) of Directive (EU) 2019/790 and the corresponding provisions of Czech copyright law. This reservation applies to the whole of the Content and to the database in which it is held.
2. Reproduction for the purposes of scientific research by a research organisation or a cultural heritage institution, where permitted by mandatory law, is not affected by the preceding clause.
3. Automated agents. An agent acting for a User is subject to these Terms in the same way as the User.
4. Scraping and bulk extraction. The User shall not use any robot, spider, crawler or other automated means to extract the Content systematically, to reproduce a substantial part of the archive, to build a competing product or service, or to create a database from the Content. The Company’s rights in the database are reserved.

6Use of the Content, and commercial use

1. Permitted use. The Company grants the User a free, non-exclusive, revocable and non-transferable licence to access the Content, to read and listen to it, to print or store a single copy, and to circulate it within the User’s own organisation for that organisation’s own internal purposes. This licence is for personal and internal use only.
2. Permitted without asking. The User may, without a separate licence:
   1. quote a short extract, where the extract is proportionate to the purpose, the source and the author are named, and a link to the original is given;
   2. link to any page of the Website, provided the link does not suggest an association, approval or endorsement which does not exist;
   3. share a link on a social network or with an individual correspondent.
3. Not permitted without a written licence. The User shall not, without the prior written permission of the Company:
   1. reproduce, republish, broadcast or make available to the public the whole or a substantial part of any item of Content, whether or not altered, and whether or not the source is named;
   2. use any item of Content, in whole or in part, as an input to, a component of, or a selling point of any product or service supplied for consideration, whether or not the consideration relates specifically to the Content. This includes, without limitation, paid newsletters and research services, media-monitoring, press-clipping and alerting services, paid summaries and digests, courses and training materials sold for a fee, databases and data feeds, and materials produced for the clients of a third party;
   3. resell, rent, sublicense or otherwise distribute the Content for consideration;
   4. use the Content, the name Hello.Purple, or the name of any author to advertise or promote a product or service;
   5. present the Content, or a work substantially derived from it, as the User’s own.
4. Facts are not claimed. The Company does not claim exclusivity over a fact, a figure or a news item as such. What is protected is the expression of the Content, its selection and arrangement, the works of the individual authors, and the database in which the Content is held.
5. Licensing. A licence for any use not permitted above may be requested at hello@hello-purple.com.

7Intellectual property

1. All rights in the Content, in the Website and in its design, layout, source code, graphics, photographs, recordings and databases belong to the Company or to its licensors and are protected by copyright, database rights and other intellectual property rights. Nothing in these Terms transfers any of those rights.
2. Hello.Purple and the associated logos are marks used by the Company and may not be used without its written permission.
3. No licence is granted by implication, by estoppel or otherwise, save as expressly stated in these Terms.
4. Where the User submits any material to the Website, the User grants the Company a non-exclusive, worldwide, royalty-free licence, for the duration of the rights, to reproduce, store, display, adapt and communicate that material to the public for the purposes of operating and promoting the Website, and warrants that the User is entitled to grant it. To the extent permitted by law the User agrees not to exercise any moral right in a manner which would prevent that use.
5. Notice and takedown. A person who believes that material on the Website infringes a right may write to hello@hello-purple.com, identifying the material, the right relied upon and the basis of the claim. The Company will consider the notice and act on it where it is well founded.

8Artificial intelligence

1. Parts of the Content are produced with the assistance of artificial intelligence, in particular the spoken versions of published articles. Where that is so, the fact is disclosed, as required by applicable law.
2. An artificial-intelligence system can be wrong. The Company reviews what it publishes, but the User should not treat any output as verified fact without checking it.
3. Where a function of the Website transmits anything submitted by the User to a third-party model provider, that is described in the Privacy Policy, and the identity of the providers is stated there or on the Website.

9Third-party links and references

1. The Website contains links to, and references to, websites, services and materials operated by other persons. Those are provided for convenience. The Company does not control them, does not endorse them, and is not responsible for them or for anything obtained through them.
2. The use of a third-party website or service is governed by that person’s own terms and privacy notice, which the User should read.

10Availability and changes

1. The Website is provided “as is” and “as available”. The Company does not undertake that it will be available without interruption, that it will be free of error, or that any particular item of Content will remain available.
2. The Company may change, add to, restrict, withdraw or discontinue the Website or any part of the Content at any time, and may change these Terms as set out below.

11Liability

1. To the maximum extent permitted by mandatory applicable law, the Company gives no warranty of any kind in respect of the Website or the Content, whether express or implied, including any implied warranty of accuracy, completeness, fitness for a particular purpose or non-infringement.
2. The Company is not responsible for any decision taken in reliance on the Content, and in particular for any trading or investment decision, or for any loss arising from one. Responsibility for such a decision rests with the person taking it.
3. To the maximum extent permitted by mandatory applicable law the Company shall not be liable for any lost profit, lost opportunity, loss of data, business interruption or any indirect, consequential or special loss, however arising.
4. Subject to the following clause, the aggregate liability of the Company to any User in respect of all claims arising in any twelve-month period shall not exceed the greater of the amount paid by that User to the Company in that period and EUR 100.
5. Nothing in these Terms excludes or limits any liability which cannot lawfully be excluded or limited, including liability for damage caused intentionally or by gross negligence, liability for harm to the natural rights of a person, and any right conferred on a consumer by mandatory law.

12Data protection

1. Personal data is processed as described in the Privacy Policy published on the Website, which forms part of these Terms for that purpose.
2. Cookies and comparable technologies are described in the Cookies Policy published on the Website.

13Term and termination

1. These Terms apply for as long as the User uses the Website. The User may stop at any time and, where an account has been registered, may close it by writing to the address stated in these Terms.
2. Those provisions which by their nature are intended to survive termination shall do so, including those governing automated access, the use of the Content, intellectual property, liability and governing law.

14Governing law, consumers and complaints

1. These Terms, and any dispute arising out of or in connection with them, including a non-contractual dispute, are governed by the law of the Czech Republic, and the courts of the Czech Republic have jurisdiction.
2. Where the User is a consumer, this choice does not deprive the User of the protection of any mandatory provision of the law of the country of the User’s habitual residence, and the User may bring proceedings in the courts of that country.
3. A complaint may be sent to the address stated in these Terms and will be acknowledged and answered without undue delay.
4. A consumer in the Czech Republic may address a consumer dispute out of court to the Czech Trade Inspection Authority (Česká obchodní inspekce), Štěpánská 44, 110 00 Prague 1, www.coi.cz, adr.coi.cz. A consumer in another Member State may address the dispute resolution body designated in that State.

15Notices, changes and final provisions

1. Notices to the Company are sent to hello@hello-purple.com or to its registered seat. Notices to a User are sent to the e-mail address registered by that User. The language of these Terms and of all communication is English.
2. The Company may amend these Terms. The current version is always published on the Website with its version number and date of effect. Where a User holds an account or a subscription, the User will be notified of a material amendment at least fifteen days before it takes effect and may terminate before that date at no cost. Continued use after that date is acceptance.
3. If any provision is held invalid or unenforceable, the remainder is unaffected. No failure or delay in exercising a right is a waiver of it. The User may not assign any right under these Terms; the Company may assign to a successor in its business.
4. These Terms, together with the Privacy Policy, the Cookies Policy and the conditions published at the addresses referred to above, constitute the entire agreement between the User and the Company in respect of the Website.

This document comes into force and effect on 18 September 2026. Version 1.1.