Terms of Use
These terms govern use of the CommerciumIQ website, educational content, tools, calculators, directories, product pages, forms, and downloadable materials.
Last updated: June 2026
Permitted use
You may use CommerciumIQ to read educational content, use calculators, review research frameworks, locate official-source links, compare assumptions, access public resources, review product information, and contact CommerciumIQ for appropriate website-related questions. Use must be lawful, respectful, non-abusive, and consistent with these terms and applicable laws.
You are responsible for your own decisions and for verifying current information before acting.
Educational scope and no professional relationship
Using the website does not create an adviser-client, broker-client, attorney-client, accountant-client, fiduciary, tax-adviser, religious-adviser, employment, partnership, agency, or professional relationship with CommerciumIQ. No content is personalized advice, trading instruction, legal opinion, tax filing guidance, religious ruling, account recommendation, broker recommendation, or product recommendation.
CommerciumIQ does not manage accounts, accept trading authority, provide broker services, provide regulated investment advice, or certify financial products.
User inputs and form submissions
Calculators, contact forms, search tools, filters, and future features may accept user inputs. You are responsible for the accuracy and lawfulness of information you enter. Do not submit sensitive information such as passwords, broker login details, account numbers, payment card details, private keys, seed phrases, identity documents, or confidential financial documents through general forms or email.
By submitting a message, you confirm that you have the right to provide the information and that CommerciumIQ may use it to respond, operate the website, maintain records, prevent abuse, and improve services as described in the privacy policy.
Intellectual property
CommerciumIQ branding, page layouts, original wording, calculators, educational structures, research frameworks, downloadable materials, images, graphics, and other original content are protected by intellectual-property rights unless otherwise stated. You may view and use public pages for personal research and educational purposes, but you may not copy, republish, scrape at scale, sell, misrepresent, remove branding from, or create confusingly similar versions of CommerciumIQ materials without permission.
Third-party names, logos, marks, and references belong to their respective owners and are used for identification, research, or context.
External links and third-party services
The website may link to regulators, exchanges, brokers, tax authorities, investor-protection bodies, software providers, product pages, payment platforms, email forms, social networks, and other third-party websites. These services are governed by their own terms, privacy policies, fees, risks, availability, and rules. CommerciumIQ is not responsible for third-party content, security, pricing, claims, support, outages, or decisions.
Prohibited use
You may not use the website to violate law, infringe rights, attack systems, scrape excessively, bypass security, submit malware, spam forms, impersonate others, harvest contact information, misrepresent CommerciumIQ content, remove disclosures, create false endorsements, use content for unlawful financial promotions, or rely on the site as a substitute for required professional or regulatory obligations.
Availability, changes, and corrections
CommerciumIQ may update, remove, reorganize, restrict, suspend, or discontinue pages, tools, resources, links, product references, downloadable materials, or features at any time. Information may be corrected or changed without notice. Search-engine snippets, cached versions, screenshots, old exports, social posts, or third-party copies may not reflect current content.
No warranties
The website is provided on an “as is” and “as available” basis. CommerciumIQ does not warrant that content is complete, current, accurate, uninterrupted, secure, error-free, suitable for a specific purpose, available in every region, or compatible with every device, browser, platform, account, or reader situation.
Limitation of responsibility
To the fullest extent permitted by applicable law, CommerciumIQ is not responsible for losses, damages, costs, claims, missed opportunities, trading losses, investment losses, tax consequences, legal consequences, account issues, broker disputes, platform failures, data errors, link errors, third-party actions, reliance on educational examples, or decisions made after using the website. Some jurisdictions do not allow certain limitations, so some limitations may not apply to every reader.
Governing interpretation and contact
These terms should be read together with the general disclaimer, risk disclosure, affiliate disclosure, data accuracy notice, AI and translation disclaimer, regional compliance notice, and privacy policy. If any part of these terms is found unenforceable, the remaining parts should continue to apply to the extent permitted by law. Questions about these terms may be sent through the contact page.