Terms and Conditions

Last Updated: November 14, 2024

1. Introduction

Welcome to Co-owned.com ("Co-Owned," "we," "us," or "our"). These Terms and Conditions govern your access to and use of Co-owned.com, including any content, functionality, and services offered through our website and mobile applications (collectively, the "Platform").

2. Acceptance of Terms

By accessing or using the Platform, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, you must not access or use the Platform.

3. Services Description

Co-Owned provides research and technology services that enable businesses to offer share ownership programs to their customers. Our services include:

  • Research and analysis of customer share ownership potential

  • Technology platform implementation

  • Share rewards management

  • Customer engagement tools

4. User Registration and Account Security

4.1. To access certain features, you must register for an account. You agree to:

  • Provide accurate and complete information

  • Maintain the security of your account credentials

  • Promptly notify us of any unauthorized access

  • Take responsibility for all activities under your account

4.2. We reserve the right to disable any account at our discretion.

5. Share Ownership Program

5.1. Share Distribution

  • Share rewards are subject to applicable securities laws and regulations

  • Actual share ownership is managed through the Co-Owned Fund

  • Share values may fluctuate and are not guaranteed

5.2. Voting Rights

  • Collective voting rights are exercised through the Co-Owned Fund

  • Individual voting rights may be limited or unavailable

6. Intellectual Property Rights

6.1. All content, features, and functionality on the Platform are owned by Co-Owned and protected by intellectual property laws.

6.2. You may not:

  • Copy or reproduce Platform content

  • Modify or create derivative works

  • Distribute or publicly display content

  • Use content for commercial purposes without authorization

7. Privacy and Data Protection

7.1. Our collection and use of personal information is governed by our Privacy Policy.

7.2. You consent to:

  • Data collection and processing as described in our Privacy Policy

  • Communications regarding your account and services

  • Sharing of data with participating businesses as necessary

8. Limitations of Liability

8.1. Co-Owned is not liable for:

  • Investment losses or fluctuations in share value

  • Service interruptions or technical issues

  • Third-party actions or content

  • Consequential or indirect damages

8.2. Our total liability shall not exceed the amount paid by you for services.

9. Disclaimers

9.1. The Platform is provided "as is" without warranties of any kind.

9.2. We do not:

  • Guarantee investment returns

  • Provide financial advice

  • Ensure continuous platform availability

  • Warrant third-party services

10. Modification of Terms

We reserve the right to modify these terms at any time. Changes will be effective upon posting to the Platform. Continued use constitutes acceptance of modified terms.

11. Termination

11.1. We may terminate or suspend access to the Platform:

  • For violations of these terms

  • To comply with law

  • For platform maintenance

  • At our discretion

11.2. Upon termination:

  • Access rights cease immediately

  • Share ownership arrangements remain subject to applicable agreements

12. Governing Law

These terms are governed by the laws of the United Kingdom, without regard to conflict of law principles.

13. Contact Information

For questions about these Terms and Conditions, contact us at: hello@co-owned.com


14. Severability

If any provision of these terms is found unenforceable, the remaining provisions remain in effect.

This Terms and Conditions document aligns with Co-Owned's business model and includes key sections covering:

  1. Share ownership program specifics

  2. Platform usage terms

  3. User responsibilities

  4. Legal protections for both parties