Terms & Conditions
Data Security
Privacy Policy
- TERMS & CONDITIONS
1.1 Introduction
Welcome to PersonShares.com (“Platform,” “we,” “us,” or “our”). These Terms and Conditions (“Agreement”) govern your access and use of the platform, including all services offered by PersonShares. By accessing or using PersonShares, you acknowledge that you have read, understood, and agree to be bound by these terms.
If you do not agree with any part of this Agreement, you must discontinue using the Platform immediately.
1.2 Nature of the Service
PersonShares is a Human Stock investment platform, allowing users (“Investors”) to financially support individuals (“Shares”) in exchange for agreed-upon returns, benefits, or other predefined terms.
PersonShares does not guarantee any profits or financial returns from investments made on the platform. All investments are made at the user’s own risk.
1.3 No Financial Advice or Guarantee of Returns
- The platform does not provide financial, investment, or legal advice.
- Any decisions made based on platform data, user profiles, or investment options are solely at the user’s discretion and risk.
- The value of investments may fluctuate, and past performance does not guarantee future results.
- PersonShares is not responsible for any financial losses, missed profits, or contractual disputes between users.
1.4 Cryptocurrency and Financial Transactions
- Transactions on the platform may involve fiat currency and cryptocurrency.
- Cryptocurrencies are highly volatile and unregulated in many jurisdictions.
- PersonShares does not guarantee the stability, value, or security of any cryptocurrency transactions.
- The platform is not liable for hacking, fraud, or theft of funds due to third-party breaches.
1.5 User Responsibilities
- Users must be at least 18 years old (or the legal age of majority in their jurisdiction).
- Users are responsible for their own compliance with tax laws and financial regulations.
- Users agree not to use the platform for illegal activities, fraud, or money laundering.
1.6 Account Termination and Restrictions
PersonShares reserves the right to suspend or terminate accounts that violate these terms, engage in fraudulent activity, or present a security risk.
1.7 Limitation of Liability
- PersonShares is not responsible for direct, indirect, incidental, or consequential damages arising from platform use.
- We do not warrant the accuracy, reliability, or completeness of platform content.
- All transactions are at the user’s own risk, and PersonShares disclaims all liability for financial losses or disputes.
1.8 Jurisdiction and Governing Law
This Agreement shall be governed by and construed in accordance with the laws of:
- The United States, specifically the State of Delaware (if incorporated there).
- The European Union, under GDPR regulations and other applicable laws.
Disputes arising from this Agreement shall be subject to the exclusive jurisdiction of courts in Delaware, USA, and the European Union (if applicable).
1.9 Arbitration Clause
By using this platform, users agree that any legal disputes shall be resolved through binding arbitration, except in cases where injunctive relief is required.
- Arbitration shall be conducted under the rules of the American Arbitration Association (AAA) or an equivalent EU arbitration body.
- Users waive their right to participate in class-action lawsuits against PersonShares.
1.10 AI-Driven Transactions Disclaimer
PersonShares may use AI-powered investment analysis, ranking, or automation tools. These tools are:
- Purely informational and should not be relied upon as financial advice.
- Not guaranteed to be accurate, free of bias, or profitable.
- Subject to errors, system limitations, and unforeseen risks.
Users accept full responsibility for all investment decisions, and PersonShares is not liable for any financial losses arising from AI-driven data.
1.11 Force Majeure Clause
PersonShares shall not be held responsible for any failure or delay in performance caused by circumstances beyond its reasonable control, including but not limited to:
- Cyberattacks, data breaches, hacks, or other security threats.
- Financial crises, stock market crashes, or cryptocurrency volatility.
- Government actions, regulatory changes, or new laws.
- Acts of God, war, terrorism, or natural disasters.
1.12 No Fiduciary Relationship
PersonShares is not a broker, investment advisor, or fiduciary. Users acknowledge that no legal, financial, or fiduciary duty exists between PersonShares and its users.
1.13 Third-Party Service Disclaimer
PersonShares may integrate with third-party payment gateways, exchanges, or external financial services.
- PersonShares is not responsible for third-party errors, security breaches, or financial losses.
- Users must review and accept third-party terms separately before engaging in transactions.
Final Legal Disclaimer (Applies to All Policies)
By using PersonShares.com, users acknowledge and agree to the following:
- They understand and accept all financial risks, including loss of funds, market volatility, and cryptocurrency risks.
- They are solely responsible for their investment decisions and will not hold PersonShares liable for any financial losses.
- They understand that no security system is 100% foolproof, and they accept responsibility for safeguarding their own accounts.
- They waive any right to participate in class-action lawsuits and agree to resolve disputes through binding arbitration.
2. PRIVACY POLICY
2.1 Compliance with Data Protection Laws
PersonShares fully complies with the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), and other applicable laws governing personal data.
2.2 Data Collection
We collect the following types of personal data:
- Name, email, and contact details for account creation.
- Financial and transaction details for payment processing.
- IP address, browser data, and cookies for security monitoring.
2.3 How We Use Your Data
We use collected data for:
- User authentication and security.
- Transaction processing.
- Legal compliance with anti-money laundering (AML) and financial regulations.
2.4 Data Sharing
We do not sell or rent personal data. However, we may share data with:
- Legal authorities, if required by law.
- Third-party payment processors, ensuring compliance with security standards.
- Security services, to prevent fraud and cyber threats.
2.5 User Rights
Under GDPR and CCPA, users have the right to:
- Access and review their personal data.
- Request deletion of their data, subject to legal and operational requirements.
- Opt-out of marketing communications.
2.6 Data Retention
We retain user data only as long as necessary for legal, regulatory, and operational purposes.
2.7 Cookies and Tracking
We use cookies to:
- Improve user experience.
- Track platform security threats.
Users may opt out of cookies, but some platform features may be limited. 2.8 Cross-Border Data Transfers
- Users agree that their data may be transferred outside of their country of residence, including to jurisdictions that may have different data protection laws.
- All data transfers comply with GDPR, CCPA, and other applicable regulations.
2.9 Government and Legal Compliance Requests
PersonShares may disclose user data if required by law, including:
- Court orders, subpoenas, or regulatory agency demands.
- Anti-Money Laundering (AML) and Know Your Customer (KYC) compliance requirements.
- Criminal investigations related to fraud, money laundering, or financial crime.
Users waive any claims against PersonShares for disclosing such information in compliance with legal obligations.
2.10 Data Processing Agreements with Third-Party Vendors
PersonShares only works with trusted third-party vendors who comply with:
- ISO 27001 and SOC 2 standards for data security.
- GDPR-compliant data handling procedures.
2.11 No Absolute Data Security Guarantee
While PersonShares employs industry-leading security measures, users acknowledge that:
- No system is 100% secure from cyber threats.
- PersonShares is not responsible for data breaches resulting from force majeure events or third-party attacks.
- Users must take reasonable precautions (e.g., strong passwords, multi-factor authentication).
3. DATA SECURITY
3.1 Security Standards
PersonShares implements bank-grade encryption and multi-layered security protocols to protect user data.
3.2 Encryption and Data Protection Measures
- AES-256 encryption secures all user data.
- TLS/SSL encryption protects all communications.
- Multi-factor authentication (MFA) is required for account access.
3.3 Access Control and Internal Security
- Only authorized personnel have access to sensitive data.
- Strict audit logs monitor all data access.
3.4 Protection Against Cyber Threats
We employ:
- Regular penetration testing and security audits.
- AI-driven fraud detection systems.
- DDoS protection and firewall security.
3.5 User Responsibilities for Security
Users must:
- Use strong passwords and enable MFA.
- Report any suspicious activity immediately.
- Be aware of phishing and fraud risks.
3.6 Compliance with US and EU Laws
PersonShares adheres to:
- GDPR (EU) for data protection and privacy.
- CCPA (California) for user data rights.
- SOC 2 and ISO 27001 standards for data security.
3.7 Liability Disclaimer
PersonShares is not responsible for:
- User negligence leading to account compromise.
- Losses due to hacking incidents outside of our control.
- Third-party service breaches affecting user data.
3.8 Breach Notification Policy
In the event of a data breach:
- Users will be notified within 72 hours (as per GDPR).
- Authorities will be informed where legally required.
- Mitigation measures will be taken immediately.
Final Legal Disclaimer
By using PersonShares, you acknowledge that you understand and accept all risks associated with investing, trading, and handling digital assets. PersonShares is not liable for any losses, and all users participate at their own risk.
3.9 Full Legal Compliance with US and EU Data Protection Laws
PersonShares ensures compliance with the following laws:
- EU General Data Protection Regulation (GDPR).
- US California Consumer Privacy Act (CCPA).
- New York SHIELD Act (for handling data of NY residents).
- Federal Trade Commission (FTC) regulations on data protection.
- Financial Industry Regulatory Authority (FINRA) standards for financial services security.
3.10 Security Breach Liability Limitation
- PersonShares is not responsible for financial losses, identity theft, or damages arising from external cyberattacks or user negligence.
- Users are responsible for protecting their login credentials and must immediately report suspicious activity.
- If a breach occurs, PersonShares will:
- Notify affected users within 72 hours (as per GDPR requirements).
- Take immediate remediation steps to minimize impact.
3.11 Third-Party Security Risks
- PersonShares is not responsible for breaches affecting third-party payment processors, crypto exchanges, or cloud service providers.
- Users assume full risk when engaging with third-party financial services linked to the platform.
3.12 AI and Machine Learning Security Measures
PersonShares employs AI-driven fraud detection and risk management, but users acknowledge that:
- AI is not infallible and may produce incorrect risk assessments.
- No liability is assumed for AI-based miscalculations or security system errors.
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