This document sets out the general terms (the 'Terms') for using the Cairn Fundholm 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 carrying out transactions. They form the legal basis for use and are binding for both parties.
By registering, logging in, using the offered features or performing other activities on Cairn Fundholm you expressly and fully accept these Terms of Use. Use of Cairn Fundholm is permitted only for adults aged 18 or over. Minors or persons not fully legally competent 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, restricted or discontinued at any time without giving rise to claims against Cairn Fundholm.
All platform content – texts, graphics, design, software, algorithms, trademarks, logos and AI-based analyses – are protected by copyright, trademark and other rights and are the property of Cairn Fundholm 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 details, contacts, payment information) is correct, complete and up to date. False or misleading information may result in account suspension, withholding of withdrawals or legal action. Your personal data will be processed only in accordance with our Privacy Policy and the GDPR. We apply high security and transparency standards.
All investment and trading decisions you make via Cairn Fundholm – whether manually or via AI automations – are your sole responsibility and are made at your own risk. Cairn Fundholm provides technical infrastructure but does not offer personal financial advice, recommendations or guarantees of profit. Financial markets (including stocks and cryptocurrencies) can be highly volatile and may lead to the complete loss of invested capital. Past performance is not a reliable indicator of future results. Only invest 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 inform you in a timely manner (usually at least 14 days in advance) by email, platform messages or on the website. Continued use of the platform after the changes take effect constitutes acceptance. For material changes you may close your account.
Security and transparency are core principles of our actions. We use modern encryption technologies, carry out regular security audits, hold customer 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 transparently. We are committed to fair, honest and customer-focused cooperation: your trust is our most valuable asset.
