This document sets out the general terms (the 'Terms') for use of the Cairn Phundholm platform. It governs the rights and obligations between you as a user and the platform operator. Please read these Terms carefully and in full before using the platform, opening an account or conducting transactions. They form the legal basis of use and are binding on both parties.
By registering, logging in, using the offered features or performing other activities on Cairn Phundholm you expressly and fully accept these Terms of Use. Use of Cairn Phundholm is permitted only for adults aged 18 and over. Minors or persons without full legal capacity must not use the platform. If we suspect a breach of this age requirement, we reserve the right to block, restrict or delete accounts.
Operation of the platform may be subject to temporary technical interruptions, maintenance windows, updates or outages – e.g. due to market volatility, high server load or external events. We strive for high availability but cannot guarantee uninterrupted operation. Features, algorithms, pricing models or available markets may be expanded, changed, limited or discontinued at any time without creating claims against Cairn Phundholm.
All platform content – text, graphics, design, software, algorithms, trademarks, logos and AI-based analyses – is protected by copyright, trademark and other rights and is the property of Cairn Phundholm or its licensors. Any reproduction, distribution, public disclosure or commercial use without our express written consent is prohibited and may have civil and criminal consequences.
As a user you are responsible for ensuring that all information provided (e.g. identification data, contacts, payment information) is correct, complete and up to date. False or misleading information may lead to account suspension, withholding of withdrawals or legal action. Your personal data will be processed only in accordance with our Privacy Policy and GDPR. We apply high security and transparency standards.
All investment and trading decisions you make via Cairn Phundholm – whether manually or through AI automations – are your sole responsibility and are made at your own risk. Cairn Phundholm provides technical infrastructure but does not offer personalised financial advice, recommendations or guarantees of profit. Financial markets (including stocks and cryptocurrencies) can be highly volatile and may result in the complete loss of invested capital. Past performance is not a reliable indicator of future results. Invest only funds you can afford to lose.
We reserve the right to update or supplement these Terms at any time – for example due to regulatory changes, technical developments or new market requirements. We will notify you in advance (usually at least 14 days) by email, platform message or on the website. Continued use of the platform after changes take effect constitutes acceptance. For material changes you may close your account.
Security and transparency are core principles of our actions. We employ modern encryption technologies, conduct regular security checks, hold client funds in segregated accounts and apply strict compliance processes (KYC/AML) to ensure the highest level of protection. All processes and transactions are documented clearly and audibly. We are committed to fair, honest and customer-focused cooperation: your trust is our most valuable asset.
