Terms and Conditions

Welcome to Investelle! We've simplified our Terms and Conditions to make them more user-friendly. Please take a moment to read these terms, as they form the agreement between you, as a user of Investelle, and us, as the provider of Investelle services.

Sections of most attention

• Agreement Overview
• Eligibility, what we offer
• Privacy and Data
• Subscription Plans
• Billing and Cancellation
• Copyright Statement
• Limitation of liability
• Contact us

1. Who We Are

We Investelle™, Black Inc - FZCO, a company registered at Dubai Silicon Oasis, DDP, Building A2, Dubai, United Arab Emirates and/or its affiliates or its authorized representatives/resellers ("we", "us", "our" or the "Company"), aim is to provide you with valuable learning materials and related services through our website, www.investelle.com ("Website") or through designated platforms.

2. Agreement Overview

By using our product Investelle ("Service"), you agree to abide by these Terms and Conditions (referred to as the "Terms" or the "Agreement"). Also our Privacy Terms and Subscription Terms are incorporated to these Terms by reference, which means they are part of the Terms.

Any translation of the Terms from the English version is provided for your convenience only. Please understand that in case of any discrepancies, the English version of the Terms will prevail.

3. Eligibility

If you do not agree with any part of these Terms and any related documents or you are not eligible to use our Services, please do not access any part of our Service.

To use Investelle, you must be at least 16 years old and have the legal capacity to enter into an agreement. If you're under 18, you need your parent's permission. If you don't agree with these terms or you're not eligible, please do not use our Service.

4. What We Offer

Investelle provides a range of educational materials, including articles, investment reading materials, test questions, and a digital investment simulator. All the materials and services are collectively referred to as "Digital Content". Please read carefully the disclaimers and warranties below with regards to this Digital Content.

You will have access to the Digital Content and our product Investelle only after registering for the Service, which means you will have to register and pay for the introductory offer (trial) or subscription plan (4 weeks, 12 weeks or otherwise) depending on what you select at the time of purchase.

After the purchase and while using the Service you may be offered additional paid features. Please read carefully any offers you receive from us.

5. Digital investment simulator

While using our Service you will have access to the digital investment simulator. Please note that any trading on this simulator does not include real money; any "currency" we use in the investment simulator is created for gamification purposes only. This investment simulator will allow you to safely learn and become familiar with the stock market and online brokerage.

Investelle is not an investment or trading platform and does not provide any financial assistance or advice. Your decision to make any investment should be made at your own risk and upon your own will only. We are not liable for any damage to your computer system, loss of data or monetary loss resulting from your access to or use of the Services, or reliance on any information or advice.

6. AI Chat mentor

While using our Service you will also have access to the Mentor chat powered by Artificial Intelligence (we call it "AI Chat"). AI Chat is implemented for educational purposes only and is not intended to provide investment advice.

How is your Content regulated while using AI Chat?

While using our AI Chat, you may provide your information (we call it "Input"), and we'll generate responses based on your Input (such responses are called "Output"). You own your Input and we assign you all the rights permitted by law on the Output (collectively Input and Output are called "Content"). However, we may use such Content to improve our services, but you can opt out of this if you contact us.

An important note with regards to the nature of AI Content

Due to the nature of machine learning, Output may not be unique across users and the Services may generate the same or similar output for Investelle or a third party. Responses that are requested by and generated for other users are not considered your Content.

7. Subscription Plans

What we may offer

Based on the option you select at the time of purchase we may offer you:

Introductory offer is a short term offer that provides limited access to the basic features and content of our Service. It is usually designed for new users to try out the platform before it automatically converts into subscription. You can cancel the introductory offer 24 hours before it ends. If you do not cancel, it automatically converts into the subscription and you will be automatically charged a full price for the subscription plan without notice.

Subscription plan is an arrangement that grants you ongoing access to the Service for a specified period (every 4 weeks, 12 weeks, or otherwise, depending on the option selected by you at the time of purchase) after payment for the subscription services. Subscription plans are automatically renewed at the end of each period. You can cancel anytime 24 hours before the end of the current billing period in your account settings.

Additional paid features are optional functionalities or services that we may offer to you in addition to the introductory offer or subscription plan on subscription or one-time purchase bases.

8. Billing and Cancellation

We bill for our services through PayPal or other payment providers (Visa, Mastercard and others). Your payment method will be charged according to your subscription plan. It's your responsibility to cancel your subscription in time.

Methods of payment

Payment methods for the Services are billed by Investelle via PayPal or other payment providers. Investelle charges the applicable fees to the payment card you submit at the time of purchase.

You authorize us to store your payment method(s) and automatically charge the applicable subscription fees to the payment card that you submit as a primary payment method for the renewal term. In the event of a failed attempt to charge to your primary payment method, you agree that we have a right to retry billing your payment method or to use any other stored payment method associated with your account.

The period of automatic renewal

The period of auto-renewal will be the same as your initial subscription period unless otherwise disclosed to you on the Service. The renewal rate will be no more than the rate for the immediately prior subscription period, excluding any promotional and discount pricing, unless we notify you of a rate change prior to your auto-renewal.

Cancellation and refunds

You must cancel your subscription in accordance with the cancellation procedures disclosed to you when purchased and in Subscription Terms. Please refer to Subscription Terms to find out whether you might be eligible for a refund.

9. Data Protection

We collect, store, and process your data in accordance with our Privacy Policy. By using the Service you agree to the collection, storage, and processing of the data in the manner and for the purpose described in the Privacy Policy.

10. Use of Information and Intellectual Property

All the information, text, images, graphics, marks, logos, compilations, data, other content, software and materials available through or at our Website constitutes our property or property of third parties.

You're granted a non-exclusive license to use our Service for personal, non-commercial purposes only. No other rights or use with regards to the Services is available to you unless otherwise expressly written in these Terms.

Trademark: All brand assets, including the "Investelle" name, logos, graphics, and service marks used on our platform are the exclusive property of Black Inc - FZCO or their respective owners. Using our Service does not grant you any license or permission to reproduce or use the Investelle name or any other trademarks.

11. Third-Party Ads

Our Service may contain links to third-party websites and advertisements for third-party products or services. We're not responsible for these third-party ads, and you use them at your own risk.

12. Compliance

The Services are provided in accordance with applicable laws. We make no representation or warranty that a Service or the Digital Content are applicable or available for use in all locations. If you use the Services from a jurisdiction where such services are restricted, you agree to do so at your own risk.

13. Copyright Statement

Investelle copyrighted the product, including but not limited to all materials, logo, etc. Any redistribution or reproduction of part or all the Services and/or Digital content available through subscription services in any form is prohibited.

14. User Representations and Restrictions

Representations and Warranties

By using the Service, you represent and warrant that:

• you have the legal capacity and you agree to comply with these Terms;
• you are not under the age of 16;
• you will not access the Service through automated or non-human means;
• you will not use the Service for any illegal or unauthorized purpose;
• you are not located in a country subject to a U.S. government embargo;
• your use of the Service will not violate any applicable law or regulation.

15. Disclaimers of warranties and liabilities

Investelle does not provide investment or financial advice or advocate the purchase or sale of any security or investment via the Service. There is no guarantee that the Digital Content will meet your needs or requirements. We make no guarantees about the level of success you will have, and you accept the risk that results will vary from person to person.

Investelle is an education platform; you cannot invest with us. You should acknowledge that if you decide to invest yourself there is a risk of capital loss and income is not guaranteed. Your decision to make an investment should be made at your own discretion and upon your own will only.

16. Limitation of liability

IN NO EVENT SHALL WE (AND OUR AFFILIATES) BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY LOST PROFIT OR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES ARISING FROM THESE TERMS OR YOUR USE OF, OR INABILITY TO USE, THE SERVICE (INCLUDING THE DIGITAL CONTENT) AND PRODUCTS, OR THIRD PARTY ADS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, YOU AGREE THAT THE AGGREGATE LIABILITY OF INVESTELLE TO YOU FOR ANY AND ALL CLAIMS ARISING FROM THE USE OF THE APP, CONTENT, SERVICE OR PRODUCTS, IS LIMITED TO THE AMOUNTS YOU HAVE PAID TO INVESTELLE FOR ACCESS TO AND USE OF THE SERVICE.

17. Indemnification

By using the Services, you agree to indemnify, defend, and hold harmless Investelle from and against any and all claims, complaints, lawsuits, or other liabilities, including reasonable attorneys' fees, that may arise from your use of the Services or your decision to follow any advice, recommendation, or instruction provided therein.

18. Informal Dispute Resolution Procedures

You and Investelle agree to resolve all Disputes through binding arbitration, except for: (i) claims that fall within the jurisdiction of a small claims court; and (ii) disputes related to intellectual property rights.

If you intend to assert a claim, you must first send Investelle a written notice of the Dispute to: Dubai Silicon Oasis, DDP, Building A2, Dubai, United Arab Emirates, Attention: Legal.

19. Miscellaneous

We may occasionally update our Service and may change information without notice. We may at any time modify or discontinue, temporarily or permanently, the Service (or any part thereof) at our sole discretion with or without notice.

20. Changes

We may update these Terms from time to time. We will provide you with 30 days' advance notice of any material adverse change to the Services or these Terms. If you keep using our Services after any changes, it means you accepted such changes.

Last Updated: August 30, 2025  |  Last Revision: November 7, 2025

©Black Inc - FZCO 2025 All rights reserved.