Terms & Conditions

1. Acceptance of the terms

Welcome to Larch Credholm (we, us, our, Platform). These Terms govern your (you, your, User) access to our website, apps, trading tools, and related services (Services). By using the Services you agree to these Terms and our Privacy Notice plus Cookie Policy. If you do not accept them, discontinue use of the Services.

2. Eligibility, accounts, and limits

You must be 18 or older and legally permitted to enter a contract. You confirm you are not in a place where use is restricted. We may decline service, carry out KYC checks, and pause accounts for risk, fraud, or violations. You are responsible for keeping profile details accurate and protecting your login credentials.

3. Services, third parties, and risk

We may introduce or reference third-party platforms; unless we say otherwise, we are not acting as your broker. Trading carries significant risk of loss. Past results do not ensure future outcomes. You alone are responsible for your decisions and taxes.

4. Charges, acceptable use, and intellectual property

Any fees will be displayed at the time of purchase. You must not misuse the Services, including by posting unlawful content, using malware, scraping without permission, bypassing security, or reverse engineering except where the law allows it. All Platform content and trademarks remain ours or our licensors' property; you are granted a limited, revocable licence to use them as provided.

5. Disclaimers and liability limits

To the fullest extent permitted by Canadian law, the Services are provided as is without warranties of any kind. We exclude liability for indirect or consequential losses and, where permitted, cap total liability at the greater of 180 CAD or amounts you paid us in the three months before the claim. Nothing excludes non-excludable consumer protections.

6. Indemnity, suspension, and ending access

You agree to indemnify us for claims arising from your use of the Services or your breach of these Terms. We may suspend or end access for breach, risk, or legal reasons. Provisions that survive include liability limits, indemnity, and dispute clauses.

7. Privacy, applicable law, and contact

Personal information is handled as described in our Privacy Policy. These Terms are governed by the laws of Canada and applicable provincial law; courts located in Ottawa have non-exclusive jurisdiction unless mandatory law says otherwise. Questions: [email protected].