Legal
Terms of Use
1. Agreement
These Terms of Use are a binding agreement between you and Capital Elevation Network LLC ("Skopina," "we," "us") covering the website at skopina.com, the Skopina preview application, and any related content and services (together, the "Service"). By accessing or using the Service, you agree to these Terms and to our Privacy Policy and Disclosures. If you do not agree, do not use the Service.
2. Eligibility
You must be at least 18 years old and able to enter into a binding contract. If you use the Service on behalf of an organization, you represent that you have authority to bind it.
3. What the Service is and is not
Skopina characterizes how a set of publicly documented investment philosophies would reason about current macroeconomic and credit conditions, by applying explicit rules to public data, and presents the result with plain-language explanations. The Service is provided for informational, educational, and research purposes only.
The Service does not provide investment, financial, legal, tax, or accounting advice. Nothing in the Service is a recommendation, solicitation, or offer to buy, sell, or hold any security, or to adopt any investment strategy. The Service does not consider your individual financial situation, objectives, or risk tolerance. Capital Elevation Network LLC is not a registered investment adviser, broker-dealer, or commodity trading advisor, and using the Service does not create an advisory, fiduciary, or client relationship.
The Service does not predict or forecast markets, prices, or economic outcomes. Framework readings characterize reasoning styles; they are not predictions. Any historical or backtested illustrations are hypothetical and are subject to the limitations described in our Disclosures, which are part of these Terms.
4. Your responsibility
You are solely responsible for evaluating the Service's output and for any decision you make. You agree that you will not rely on the Service as the basis for any investment decision, and that you should consult a qualified professional before acting. Investing involves risk, including the possible loss of principal.
5. Accounts and early access
Early access is offered at our discretion and may be modified, limited, or withdrawn at any time. The preview application is pre-release software that may be incomplete, change without notice, or become unavailable.
6. Acceptable use
You agree not to: (a) reverse engineer, scrape, or extract the Service's rules, data, or outputs in bulk; (b) resell, redistribute, or present the Service's output as investment advice to others; (c) use the Service to violate any law or the rights of others; (d) interfere with the Service's operation or security; or (e) misrepresent your identity or affiliation.
7. Intellectual property
The Service, including its software, framework logic, data compilations, text, and design, is owned by Capital Elevation Network LLC and protected by intellectual-property laws. Certain methods are the subject of a pending U.S. patent application. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Service and its output for your personal or internal research purposes only. All other rights are reserved.
Framework names reference the publicly documented investment philosophies of the investors named. Skopina is not affiliated with, sponsored by, or endorsed by any of those individuals or their firms, and no such affiliation should be inferred.
8. Third-party data and services
The Service uses data from public sources (including U.S. government and regulatory publications and SEC filings) and is hosted with third-party providers. We do not control those sources or providers and do not guarantee the accuracy, completeness, or timeliness of any data. Links to third-party sites are provided for convenience only.
9. Disclaimer of warranties; limitation of liability
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE ERROR-FREE, UNINTERRUPTED, OR THAT ITS OUTPUT WILL BE ACCURATE OR RELIABLE.
TO THE FULLEST EXTENT PERMITTED BY LAW, CAPITAL ELEVATION NETWORK LLC AND ITS MEMBERS, OFFICERS, AND CONTRACTORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR INVESTMENT LOSSES, ARISING FROM OR RELATED TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS ($100).
Some jurisdictions do not allow certain exclusions or limitations; in those jurisdictions our liability is limited to the extent permitted by law.
10. Indemnification
You agree to indemnify and hold harmless Capital Elevation Network LLC and its members, officers, and contractors from any claims, losses, and expenses (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms, or your violation of any law or third-party right.
11. Governing law and dispute resolution
These Terms are governed by the laws of the State of Colorado, without regard to its conflict-of-laws rules.
Any dispute not resolved informally will be brought exclusively in the state or federal courts located in Colorado, and you consent to their jurisdiction.
12. Termination
We may suspend or terminate your access at any time, with or without notice, for any reason including violation of these Terms. Sections 3, 4, 7, 9, 10, and 11 survive termination.
13. Changes
We may revise these Terms as the Service develops. The current version will always be posted here with its effective date, and material changes will be flagged on the site. Continued use after a change means you accept the revised Terms.