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By visiting and signing up on this site, you accept our terms and conditions of service.
POLAR-FX is an investment platform available online through a website and our core aim is to maximize forex's profits through trading with accumulated clients' investments.
You must be 18 or older to access our website or mobile applications.
By creating a User Account, you automatically sign up for various types of alerts via e-mail and mobile notification. We never include your password in these communications, but we may include your name, or email address and information about your portfolio(s) if you are a Client. Anyone with access to your e-mail or mobile device will be able to view these alerts. You may stop investing in our packages anytime you deem necessary.
Polar-fx cannot be held responsible for any financial insights or recommendations provided to users.
Your use of Polar-fx's website, and the personal information you provide is at your sole discretion. Polar-fx website and all materials, information, products and services included therein, are provided on an AS IS and AS AVAILABLE basis without warranties of any kind from Polar-fx.
POLAR-FX EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, RELATING TO POLAR-FX'S WEBSITE, CONTENT AND/OR USER INFORMATION, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF PROPRIETARY RIGHTS, COURSE OF DEALING OR COURSE OF PERFORMANCE. UPTREND DISCLAIMS ANY WARRANTIES, EXPRESS OR IMPLIED:
REGARDING THE AVAILABILITY, SECURITY, ACCURACY, RELIABILITY, TIMELINESS AND PERFORMANCE OF POLAR-FX'S WEBSITE, CONTENT AND/OR USER INFORMATION;
THAT POLAR-FX'S WEBSITE WILL BE ERROR-FREE OR THAT ANY ERRORS WILL BE CORRECTED;
THAT POLAR-FX'S WEBSITE WILL BE FREE FROM ELECTRONIC VIRUSES; OR REGARDING THE PERFORMANCE OF OR ACCURACY, QUALITY, CURRENCY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION PROVIDED BY POLAR-FX ON ITS WEBSITE INCLUDING BUT NOT LIMITED TO INFORMATION OBTAINED THROUGH SOCIAL MEDIA.
No advice or information, whether oral or written, obtained by you from Polar-fx's website, shall create any warranty not expressly stated in this Agreement. If you choose to rely on such information, you do so solely at your own risk.
IN NO EVENT SHALL POLAR-FX OR ANY OF ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU FOR ANY DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF POLAR-FX, CONTENT AND/OR USER INFORMATION, INCLUDING BUT NOT LIMITED TO THE QUALITY, ACCURACY, OR UTILITY OF THE INFORMATION PROVIDED AS PART OF OR THROUGH POLAR-FX OR FOR ANY INVESTMENT DECISIONS MADE ON THE BASIS OF SUCH INFORMATION, WHETHER THE DAMAGES ARE FORESEEABLE AND WHETHER OR NOT POLAR-FX HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION AND IN NO EVENT SHALL POLAR-FX'S CUMULATIVE LIABILITY TO YOU EXCEED NGN10,000.
Each of us can end this agreement at any time, subject to the maturity of all plans. We may terminate or suspend your access to Polar-fx, at any time with prior notice to you if your account is found to be fraudulent.
Polar-fx grants you a license to use our website and mobile applications so long as you comply with all our rules.
Comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, anti-spam laws, export control laws, tax laws, and regulatory requirements;
Provide accurate information to us, whether reported directly or through a third party who you authorize, and keep it updated;
Use the services solely for your personal, non-commercial use;
Use your real name on your profile and keep your password confidential;
Use the Services in a professional manner.
Circumvent, disable, or otherwise interfere with security-related features of Polar-fx or features that prevent or restrict use or copying of any content or User information
Upload, email, transmit, provide, or otherwise make available:
any User information which you do not have the lawful right to use, copy, transmit, display, or make available (including any User information that would violate any confidentiality or fiduciary obligations that you might have with respect to the User information); or
any User information that infringes the intellectual property rights of, or violates the privacy rights of, any third-party (including without limitation copyright, trademark, patent, trade secret, or other intellectual property right, moral right, or right of publicity); or
unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation; or
any personal information that is unlawful, obscene, harmful, threatening, harassing, defamatory, or hateful, or that contain objects or symbols of hate, invade the privacy of any third-party, contain nudity, are deceptive, threatening, abusive, inciting of unlawful action, or are otherwise objectionable in the sole discretion of Polar-fx;
any personal information that contains software viruses or any other computer code, files, or programs designed to (i) interrupt, destroy, or limit the functionality of any computer software; or (ii) interfere with the access of any user, host or network, including without limitation overloading, flooding, spamming, mail-bombing, or sending a virus to Polar-fx; or
any personal information that includes code that is hidden or otherwise surreptitiously contained within the User information;
Use any meta tags or other hidden text or metadata utilizing a Polar-fx name, trademark, URL or product name;
Forge any TCP/IP packet header or any part of the header information in any posting, or in any way Polar-fx use to send altered, deceptive, or false source- identifying information;
Interfere with or disrupt (or attempt to interfere with or disrupt) any Polar-fx web page, server, or network, or the technical delivery systems of Polar-fx's providers, or disobey any requirements, procedures, policies, or regulations of networks connected to Polar-fx.
Attempt to probe, scan, or test the vulnerability of any system or network or breach or impair or circumvent any security or authentication measures protecting Polar-fx;
Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software used to provide Polar-fx;
Attempt to access, search, or meta-search Polar-fx or content thereon with any engine, software, tool, agent, device, or mechanism other than software And/or search agents provided by Polar-fx or other generally available third- party web browsers, including without limitation any software that sends queries to Polar-fx to determine how a website or web page ranks;
Violate the terms of service or any other rule or agreement applicable to yolll's inclusion in, reference to, or relationship with any third party or third-party site or service, or your use of any such third-party site or service; Collect or store personal information about other users without their express permission;
Impersonate or misrepresent your affiliation with any person or entity, through pretexting or some other form of social engineering, or commit fraud;
Solicit any User for any investment or other commercial or promotional transaction;
Violate any applicable law, regulation, or ordinance;
Scrape or copy information through any means (including crawlers, browser plugins and add-ons, and any other technology or manual work);
Use, launch, or permit to be used any automated system, including without limitation "robots," "crawlers," or "spiders"; or
Copy or use the information, content or data on Polar-fx in connection with a competitive service (as determined by Cowrywise);
Monitor Polar-fx's availability, performance or functionality for any competitive purposes.
Copyrighted Materials: No Unauthorized Use. If you become aware of misuse of Polar-fx or content thereon by any person, please contact Polar-fx to report any abuse. Polar-fx has adopted and implemented a policy that provides for the termination of Accounts of users who infringe the rights of copyright holders. Please see the Polar-fx Copyright and Intellectual Property Policy for further information.
International Use. It is only for use in Nigeria
Polar-fx is only available for use in Nigeria. We make no representation that Polar-fx is appropriate or available for use outside Nigeria. Similarly, we make no representations that accessing Polar-fx from locations outside Nigeria is legal or permissible by local law. If you access Polar-fx from areas outside of Nigeria, you do so at your own risk and are yourself responsible for compliance with local laws.
This Agreement takes priority over previous agreements
This Agreement is the entire agreement between you and us with respect to Cowrywise, and your use of our website and mobile app, and supersedes all prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and us. If any provision of this Agreement is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that this Agreement will otherwise remain in full force and effect. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder. Investment recommendations are made to Clients on an individual basis and may differ based on specific circumstances.
You understand and agree that we act as an investment advisor for Clients and will continue to do so. We and our personnel may make recommendations and take action for Clients that may differ from the recommendations we give to you or the action we take on your behalf. In addition, our personnel may take actions for their own accounts based on their own investment situations that differ from the recommendations we give you or actions we take on your behalf.
9.3. Communication: Any notice or communication will be in writing by email
9.4 Feedback: We welcome your feedback!
Your feedback is welcome and encouraged. You may submit feedback by emailing us at email@example.com. You agree, however, that (i) by submitting unsolicited ideas to Polar-fx or any of its employees or representatives, by any medium, including but not limited to email, written, or oral communication, you automatically forfeit your right to any intellectual property rights in such ideas; and (ii) such unsolicited ideas automatically become the property of Polar-fx. You hereby assign and agree to assign all rights, title, and interest you have in such feedback and ideas to Polar-fx together with all intellectual property rights therein. In addition, you warrant that all moral rights in any feedback have been waived, and you do hereby waive any such moral rights.
9.5. Questions: If you have any questions
This document constitutes Polar-fx's complete Terms of Service for Polar-fx and related services. If you have questions about these Terms of Services or about Polar-fx or content thereon, please contact Polar-fx at hello via firstname.lastname@example.org
POLAR-FX operates the www.polar-fx.com website, which provides the SERVICE.
This page is used to inform website visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service, the polar-fx website.
For a better experience while using our Service, we may require you to provide us with certain personally identifiable information, including but not limited to your name, phone number, and postal address. The information that we collect will be used to contact or identify you.
We want to inform you that whenever you visit our Service, we collect information that your browser sends to us that is called Log Data. This Log Data may include information such as your computer’s Internet Protocol ("IP") address, browser version, pages of our Service that you visit, the time and date of your visit, the time spent on those pages, and other statistics.
Cookies are files with small amount of data that is commonly used an anonymous unique identifier. These are sent to your browser from the website that you visit and are stored on your computer’s hard drive.
Our website uses these "cookies" to collection information and to improve our Service. You have the option to either accept or refuse these cookies, and know when a cookie is being sent to your computer. If you choose to refuse our cookies, you may not be able to use some portions of our Service.
For more general information on cookies, please read "What Are Cookies".
We may employ third-party companies (eg Paystack) and individuals due to the following reasons:
We want to inform our Service users that these third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.
We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.
Our Service do not contain links to other sites.
Our Services do not address anyone under the age of 18. We do not knowingly collect personal identifiable information from children under 18. In the case we discover that a child under 18 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.