1. Acceptance of Terms
By accessing, browsing, or using Wise With Gold ("the Site," located at wisewithgold.com), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use ("Terms"). These Terms, together with our Privacy Policy, Cookie Policy, and Disclaimer, form the entire agreement between you and Jovian Creative AS regarding your use of the Site.
If you do not agree with any part of these Terms, you must discontinue use of the Site immediately. Your continued access to or use of the Site following the posting of any changes to these Terms constitutes acceptance of those changes.
2. About Us
Wise With Gold is operated by Jovian Creative AS, a company registered in Norway. We provide educational content about gold investment, including guides, market analysis, historical research, product reviews, and practical tools.
Contact: [email protected]
3. Use of Content
All content on this website — including but not limited to text, articles, guides, graphics, images, logos, icons, data compilations, software, and other material — is protected by copyright, trademark, and other intellectual property laws under Norwegian law, European Union directives, and applicable international treaties.
Subject to these Terms, you are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site and its content for personal, non-commercial purposes. You may not, without the prior written permission of Jovian Creative AS:
- Reproduce, duplicate, or copy substantial portions of the Site's content
- Distribute, publish, or make the content available to third parties
- Modify, adapt, or create derivative works based on the content
- Publicly display or perform the content for commercial purposes
- Commercially exploit the content in any form or medium
- Frame, embed, or mirror any part of the Site without authorization
Brief quotation of our content for purposes of commentary, criticism, or review is permitted provided that proper attribution to Wise With Gold (wisewithgold.com) is given and a link to the original content is included where reasonably practical.
4. Educational Information Only
All content on the Site is provided for general educational and informational purposes only. It does not constitute financial advice, investment advice, tax advice, legal advice, or any other form of professional advice. Nothing on the Site should be interpreted as a recommendation to buy, sell, or hold any investment or to pursue any particular financial strategy.
For full details, please review our Disclaimer.
5. User Conduct
When using the Site, you agree to comply with all applicable laws and regulations. You agree not to:
- Use the Site for any unlawful, fraudulent, or malicious purpose
- Attempt to gain unauthorised access to any part of the Site, its servers, databases, or any connected infrastructure
- Transmit any content that is harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable
- Scrape, harvest, or systematically collect data from the Site without our prior written permission
- Use automated tools, bots, crawlers, or scripts to access the Site in a manner that exceeds reasonable use patterns or places an undue burden on our infrastructure
- Impersonate any person or entity, or falsely represent your affiliation with any person or entity
- Interfere with or disrupt the operation of the Site, its servers, or networks connected to the Site
- Attempt to circumvent, disable, or otherwise interfere with any security features of the Site
We reserve the right to restrict or terminate your access to the Site at our discretion if we reasonably believe you have violated these Terms.
6. Intellectual Property
"Wise With Gold," the Wise With Gold logo, site design, page layouts, and all original content published on the Site are the intellectual property of Jovian Creative AS or its licensors and are protected under applicable Norwegian, European, and international intellectual property laws.
Third-party trademarks, trade names, logos, and brand identifiers referenced on the Site are the property of their respective owners. Their appearance on the Site does not imply any affiliation with, sponsorship by, or endorsement of Wise With Gold by those third parties.
No license or right to use any intellectual property displayed on the Site is granted to you without the express written consent of Jovian Creative AS or the relevant rights holder.
7. Third-Party Links
The Site may contain hyperlinks to websites, resources, products, and services operated by third parties. These links are provided solely for your convenience and do not constitute an endorsement, sponsorship, or recommendation by Jovian Creative AS.
We have no control over the content, privacy practices, or availability of third-party websites and accept no responsibility for them. You access any linked third-party sites entirely at your own risk and subject to the terms and conditions of those sites.
8. Disclaimer of Warranties
The Site and all content, materials, information, tools, and services provided on or through the Site are made available on an "AS IS" and "AS AVAILABLE" basis, without warranties of any kind, either express or implied.
To the fullest extent permitted by Norwegian law, Jovian Creative AS expressly disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and completeness.
Without limiting the foregoing, we do not warrant that:
- The Site will be available at all times or operate without interruption
- The Site will be free from errors, defects, viruses, or other harmful components
- Any errors or defects in the Site will be corrected
- The content on the Site is complete, current, or suitable for any particular purpose
- The results obtained from using the Site will be accurate or reliable
9. Limitation of Liability
To the maximum extent permitted under Norwegian law, Jovian Creative AS, its directors, officers, employees, affiliates, agents, contractors, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, loss of goodwill, business interruption, or any other intangible losses, arising from or in connection with:
- Your access to, use of, or inability to use the Site
- Any content, information, or materials obtained from or through the Site
- Any conduct or content of any third party on or linked from the Site
- Unauthorised access, use, or alteration of your transmissions or data
- Any decisions or actions taken based on information provided on the Site
Nothing in these Terms excludes or limits our liability for:
- (a) Death or personal injury caused by our negligence
- (b) Fraud or fraudulent misrepresentation
- (c) Any liability that cannot be lawfully excluded or limited under Norwegian law
10. Indemnification
You agree to indemnify, defend, and hold harmless Jovian Creative AS, its directors, officers, employees, affiliates, agents, and licensors from and against any and all claims, demands, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising from or related to:
- Your use of, or access to, the Site
- Your violation of these Terms
- Your violation of any applicable law or regulation
- Your infringement of any third-party rights
- Any content you submit, post, or transmit through the Site
11. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such finding shall not affect the validity or enforceability of the remaining provisions. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent, or if that is not possible, it shall be severed from these Terms.
12. Waiver
The failure of Jovian Creative AS to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if made in writing and signed by Jovian Creative AS. No single or partial exercise of any right or remedy shall preclude any further exercise of that or any other right or remedy.
13. Entire Agreement
These Terms, together with our Privacy Policy, Cookie Policy, and Disclaimer, constitute the entire agreement between you and Jovian Creative AS with respect to your use of the Site. These documents supersede all prior or contemporaneous communications, proposals, and representations, whether oral or written, regarding the subject matter herein.
14. Changes to Terms
Jovian Creative AS reserves the right to modify, update, or replace these Terms at any time at our sole discretion. Changes become effective immediately upon posting to this page. We will update the "Last updated" date at the top of this page to reflect the date of the most recent revision.
We encourage you to review these Terms periodically. Your continued use of the Site following the posting of changes constitutes your binding acceptance of the revised Terms. If you do not agree with the updated Terms, you should discontinue your use of the Site.
15. Governing Law & Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the Kingdom of Norway, without regard to its conflict of law principles.
Any disputes arising from or relating to these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the Oslo District Court (Oslo tingrett), Norway.
16. Dispute Resolution
Before initiating any formal legal proceedings, we encourage you to contact us at [email protected] to attempt to resolve the matter informally. Many concerns can be resolved quickly and satisfactorily through direct communication.
If you are a consumer residing within the European Economic Area (EEA), you may also have the right to use the European Commission's Online Dispute Resolution (ODR) platform, available at https://ec.europa.eu/consumers/odr. This platform is provided to facilitate the out-of-court resolution of disputes concerning contractual obligations arising from online transactions.
Notwithstanding the availability of the ODR platform, the courts of Norway as specified in Section 15 above remain the appropriate venue for formal dispute resolution.