Terms & Conditions
01 Acceptance of Terms
By accessing our website, opening an account, or engaging our advisory services, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions. If you do not agree, you should refrain from using our services and discontinue all interaction with our digital platforms immediately.
02 Advisory Relationship
Direct Capitals Guide acts as a fiduciary registered investment advisor under the Investment Advisers Act of 1940. Our advisory relationship is governed by a separate Investment Advisory Agreement that supersedes any conflicting provisions herein. All services are subject to the terms outlined in that executed agreement.
03 Eligibility
Our services are available only to individuals and entities legally capable of entering into binding contracts under applicable jurisdiction. Certain investment vehicles and service tiers may be restricted to accredited investors, qualified purchasers, or institutional clients as defined by U.S. securities laws and regulations.
04 Account Responsibilities
You are responsible for maintaining the confidentiality of your account credentials and for all activities conducted under your account. You agree to notify us immediately of any unauthorized access, suspected breach, or compromise of your account information through our secure portal or designated support channels.
05 Fees and Billing
Advisory fees are assessed quarterly in advance based on assets under management. Custodial, transactional, and third-party expenses may apply separately. Fee schedules are disclosed in your Advisory Agreement and Form ADV Part 2A. Late payments may accrue interest at the maximum rate permitted by applicable state law.
06 Investment Risk Disclosure
All investments involve risk, including potential loss of principal. Past performance does not guarantee future results. No communication from Direct Capitals Guide constitutes a guarantee of returns. You should carefully consider your financial situation, risk tolerance, and investment objectives before implementing any strategy recommended by our advisory team.
07 Intellectual Property
All content, branding, research, tools, and materials published on our website or shared with clients remain the exclusive intellectual property of Direct Capitals Guide. You may not reproduce, distribute, or commercially exploit any such material without prior written consent, except as necessary to engage our advisory services.
08 Limitation of Liability
To the maximum extent permitted by law, Direct Capitals Guide shall not be liable for indirect, incidental, consequential, or punitive damages arising from your use of our services. Our aggregate liability for any claim shall not exceed the advisory fees paid by you during the twelve months preceding the event giving rise to such claim.
09 Indemnification
You agree to indemnify and hold harmless Direct Capitals Guide, its officers, directors, employees, and affiliates from any claims, damages, losses, or expenses — including reasonable attorneys' fees — arising from your breach of these Terms, your misuse of our services, or your violation of applicable laws or third-party rights.
10 Governing Law and Dispute Resolution
These Terms shall be governed and interpreted in accordance with the applicable laws of the relevant jurisdiction. Any disputes arising from or relating to these Terms shall first be addressed through good-faith negotiations. If a resolution cannot be reached, the dispute may be submitted to a court or other appropriate dispute resolution process as permitted by applicable law.