User Agreement

This service is designed to share thoughts and ideas with you in the financial markets. The Service is an information portal that provides information about financial markets based on the needs of the User. The service is paid. The first free trial month allows you to get acquainted with the service. Upon the expiration of the trial period the service becomes paid through subscription, the subscription fee is indicated on the service website at

The User of website and ‘Wattabuy’ application enters into this Agreement, which serves as an offer from the UGM Securities Ltd. The Agreement includes all necessary terms and is published permanently on the Web. From the moment you click on the "Register" button, registration on the Site is considered complete, and the terms of this User Agreement are mandatory for the registered person.

Note: if you do not agree to the terms of this User Agreement, do not register on the site and do not use its services.

1. Terms and definitions

1.1. In this User Agreement, unless otherwise expressly provided in the text, the following terms will have the following meanings:

"Administrator"UGM Securities Ltd
Company Registration Number: 360073
License Number: 352/17
30 Chytron Street, Office A31, 3rd Floor, 1075 Nicosia
"Wattabuy software package"Is a Software package that generates a portfolio of financial instruments by receiving data about the User's preferences.
"Personal account"A set of protected Site pages and applications available to the User after registration, where the User can create a portfolio of financial instruments, and get recommendations for managing the portfolio. Access to Your personal account is provided by registering on the site or via the Wattabuy app.
"User"A person who has entered into an Agreement with the Administrator by accepting an online offer at the network address at
"Website"A set of information, texts, graphic elements, design, images, photos and video materials and other results of intellectual activity, as well as computer programs contained in an information system that provides access to such information on the Internet at a network address
"Agreement"This User Agreement.
"Parties"The Administrator and User referred to together.

1.2. Titles of titles (articles) The Agreements are intended solely for the convenience of using the text of the Agreement and do not have a literal legal meaning.

2. Subject of The Agreement

2.1. The Administrator grants the User the right to use the Site, Personal account for their intended purpose, including by accessing the Site, Personal account using personal computers, mobile and other devices and using the explicit functions of the Site, Personal account on the terms of a free simple (non-exclusive) license on the territory of access to the Site, Personal account and their functions, for the period during which the Site, Personal account and their functions remain available to the User.

2.2. The Administrator provides the User with services to provide access to the Site in order to form a portfolio of financial instruments of the User, to receive recommendations for managing the portfolio.

2.3. The User undertakes to use the Website on the terms of the Agreement.

3. The Order of Registration on the Website

3.1. The Administrator provides the User with access to information about the Site before online registration.

3.2. After registration, the User, in addition to the one specified in Clause 3.1 of the Agreement, is given the opportunity to access other functions of the Site and Personal account.

3.3. At the end of registration, the User is given access to the Personal account using their credentials — email address and password.

3.6. The User is obliged to ensure the security and safety of the password to third parties. In the event the password is lost, compromised, or illegally acquired by third parties to get access to Personal Account of the User, the User must immediately notify the Administrator.

4. The Use of the Website

4.1. After completing the registration the User gets access to their Personal account.

4.2. The User gets the opportunity to create their own portfolio of securities. The tools of the Wattabuy Software package check the compliance of the securities portfolio with the profile set by the User on a daily basis, and, if necessary, the User will be asked to change the portfolio.

4.3. The User is obliged to use the Site and the Personal account in good faith, without violating the current legislation, the rights and freedoms of third parties. The User undertakes to ensure compliance with legislation.

4.4. The Service prohibits collective use under one username, as well as unauthorized distribution of information to third parties. To use the service on your computer or on another phone, log out of the app. You can only use the service on one device. Simultaneous use of the service on multiple devices is prohibited. To start using the service again on your device, log in using your password and username. In the event a group use is detected, the Administrator has the right to block Users, and the fees will not be refunded.

4.5. The service has a loyalty program: the User sends a link to a friend and if the User becomes a paid User, the User who sends the link receives a discount of 4% for each new paid User during one year of using the service.

5. Intellectual Property and Restrictions when using the Site

5.1. The Site contains the results of intellectual activity owned by the Administrator.

5.2. By Using the Site, the User acknowledges and agrees that all the content of the Site and the structure of the Site content are protected by copyright, trademark and other intellectual property rights, and that these rights are valid and protected in all forms, on all media and in respect of all technologies, both currently existing and developed or created subsequently. No rights to any content of the Site, including, but not limited to, audio-visual works, text and graphic materials, computer programs, trademarks, are transferred to the User as a result of using the Site and entering into the Agreement.

5.3. Without prejudice to the universality of the above provisions, the User acknowledges that the Site contains the results of intellectual activity, protected rights and other materials of third parties, and that such rights belong to the respective owners, including the Administrator. The User is prohibited to copy, modify, delete, Supplement, publish, transfer the objects of exclusive and personal non-property rights contained on the Site, create derivative works, manufacture or sell products based on them, reproduce, display or in any other way exploit or use such rights without the Express permission of their owners.

5.4. The User is prohibited from:

5.4.1. Copying and / or distributing any information, except in cases where such a function is expressly provided on the Site.

5.4.2. Transfering their personal account data to third parties to create access to the personal account.

5.4.3. Using the information obtained on the Site in a manner that deems illegal

5.4.4. Copying or otherwise using the software part of the Site, as well as its design.

5.4.5. Posting personal data of third parties on the Site without their consent, including home addresses, phone numbers, passport data, and email addresses.

5.4.6. Placing commercial advertising, commercial offers, campaign information and any other Intrusive information on the Site, except for cases when the placement of such information is agreed with the Administrator.

5.4.7. Changing the software part of the Site in any way, perform actions aimed at changing the functioning and performance of the Site.

5.4.8. Offending or otherwise violating the rights and freedoms of other site Users, third parties, and groups of individuals.

5.4.9. Using obscene language, carrying out or distributing information containing calls for mass riots, extremist activities, participation in mass (public) events held in violation of the established procedure, distributing information necessary for obtaining the results of intellectual activity.

5.5 When quoting material from the Site, the User undertakes to indicate a link to the Site if this is expressly provided for by the functions of the Site.

5.6.If the User directly or indirectly violates one or more of the sub-clauses of Clause 5, the Administrator reserves the right to partially or completely restrict the User's access to the Site and to all information posted on the site.

5.7. It is the Administrator, who after a thorough internal investigation, determines whether a violation is committed by a User. The disclosure of the results of the investigation is at the discretion of the Administrator.

6. Personal data and usage

6.1. The User agrees that the Administrator processes the personal data of the User provided during registration, and the User's Personal account after registration, namely:

6.1.1. E-mail address.

6.2. Processing of personal data means recording, systematization, accumulation, storage, clarification (updating, modification), extraction, use, transfer (distribution, provision, access), depersonalization, blocking, deletion, destruction of personal data that do not fall under special categories, the processing of which, according to current legislation, requires the written consent of the User.

6.3. Personal data is required to be processed by the Administrator under the Agreement, Under the current Agreement the Administrator provides the User with feedback, sends information and advertising messages to the email address specified by the User during registration.

6.4. The User may revoke consent to the processing of personal data at any time by sending a corresponding notification to the Administrator at the address specified in Clause 1.1 of the Agreement by registered mail with a notification of delivery. At the same time, the User agrees that the withdrawal of his consent to the processing of personal data will entail the termination of the User's use of funds by the Administrator. The Administrator reserves the right to process the User's personal data in cases stipulated by law .

6.5. The User agrees to receive newsletters and advertising materials from the Administrator, or from other persons on behalf of the Administrator, to the email address and contact phone number specified by the User when registering on the Site.

6.6. Consent to receive newsletters and advertising materials may be revoked by the User at any time by sending a corresponding notification to the Administrator at the address specified in Clause 1.1 of the Agreement by registered mail with a notification of delivery. After receiving such notification, the Administrator stops sending messages with advertising materials to the email address specified by the User during registration.

7. Responsibility

7.1. The User violates the terms of the Agreement, legislation, morals, or technical requirements, the Administrator has the right to block or delete the Personal account, prohibit or restrict access to certain or all functions of the Site using the User's credentials.

7.2. The Administrator is not responsible for the site's performance and does not guarantee its uninterrupted operation.

7.3. The User, at their own risk, uses the Website in the way it is designed. The administrator does not guarantee that the use of the Website will result in any results for the User.

7.4. Any information obtained through the use of the Service does not constitute an individual investment recommendation. ‘UNIVER Capital’ LLC is not responsible for losses that may be incurred by the User as a result of reading the materials and further taking of any actions in connection to reading the materials presented.

7.5. Analytical conclusions and conclusions presented / obtained on the basis of this Service do not constitute a recommendation to buy or sell securities, or other financial instruments, options, futures or securities derived from these assets (derivatives). It is not an offer or proposal to make an offer or make other capital investments, it does not provide guarantees or promises of future efficiency (profitability) of activities in the securities market. UNIVER Capital LLC is not responsible for any accuracy of the information provided / received on the basis of this Service and for the consequences of decisions made by the User in connection to the information provided.

7.6. It should be taken into account that the income from investing in certain securities or other financial instruments, if any, may vary, and the value of these securities and other financial instruments may rise or fall. Fluctuations in foreign exchange rates may adversely affect the exchange rate, value and yield of a certain security and other financial instruments. Any tax information set forth on the basis of this Service does not constitute tax advice. ‘UNIVER Capital’ LLC strongly recommends that investors seek advice from independent tax experts who will take into account the individual circumstances of each specific situation. ‘UNIVER Capital’ LLC pursues a strict internal policy aimed at preventing any actual or potential conflicts of interest between the company and investors, as well as preventing infringement of the interests of investors.

8. Special conditions

8.1. The website may contain links to other websites (third party websites). These third parties and their content are not checked by the Administrator for compliance with any requirements (accuracy, completeness, legality, etc.). The Administrator is not responsible for any information, materials posted on third-party sites accessed by the User, including any opinions or statements expressed on third-party sites, advertising, etc. The Administrator is not responsible for the availability of third party websites or their content and the consequences resulting from the use of third party websites.

8.2. The Administrator does not guarantee that the Site meets the User's requirements, and that access to the Site will be provided continuously, quickly, reliably and without errors.

8.3. Hardware and Software errors both on the Administrator's side and on the User's side, which contributed to the User's failure to access the Site, constitute force majeure circumstances and exclude the Administrator from liability under this Agreement.

8.4. The Administrator has the right to place advertising information in the Mobile app interface and on the site, including notification of its own promotions/programs without prior notification to the Subscriber. By installing the Program, the User agrees to receive advertising information (news, notifications, advertising information, etc.). All information about advertising campaigns and promotions will be posted on the site.

9. Dispute resolution

9.1.The parties will seek to resolve all disputes, disagreements and claims that may arise in connection with the performance, termination or invalidation of the Agreement through negotiations. The party that has claims and / or disagreements sends a message to the other Party indicating the claims and/or disagreements that have arisen.

9.2. In the event the response to the message is not received by the sending Party within 30 (thirty) business days from the date of sending the corresponding message, or if the Parties do not come to an Agreement on the claims and/or disagreements, the dispute shall be resolved in court at the location of the Administrator.

10. Changing the terms of the Agreement

10.1. The Administrator has the right to unilaterally change the terms of the Agreement, and such changes take effect after 3 (three) calendar days from the date of publication of the new version of the Agreement.

10.2. The User undertakes to get acquainted with the new version of the Agreement upon each subsequent visit to the Site before using the Personal account. Continued use of the Site and Personal account will mean that the User agrees to the terms of the new version of the Agreement.

10.3. If the User does not agree with the terms of the new version of the Agreement, he must stop using the Site.

11. Final provisions

11.1. The Agreement and all legal matters arising from it are governed by Cyprus law without regard to its conflict of laws rules. All disputes which arise shall be resolved in accordance with Cyprus legislation

11.2. The court's Recognition of any provision of the Agreement as invalid or unenforceable does not invalidate other provisions of the Agreement.

11.3. Inaction on the part of the Administrator in case of violation by any of the Users of the provisions of the Agreement does not deprive the Administrator of the right to take appropriate actions later in order to protect their interests and protect intellectual property rights to the site materials protected in accordance with the law.

11.4. The User confirms that he is familiar with all provisions of this Agreement, understands and accepts them.

11.5. In addition, you must read the Disclaimer in order to start using the Service before the Agreement enters into force.

12. Provided paid services and free period.

12.1. The user is provided with one month of free access to all functions of the service, such as:

  • periodic notifications included in the securities portfolio, received in the "transactions" tab
  • access to the history of transactions
  • to see changes in prices for securities and the value of both individual positions and the entire portfolio of securities
  • periodic publications in the news feed from the service: discussions of market trends, corporate news, planned changes in portfolios
  • 24/7 communication with service managers via chat
  • the ability to change the portfolio of securities at any time

12.2. In the "deals" tab when making a deal, the user is prompted to activate a paid subscription. At the end of the free period, the functionality of the service becomes paid.

12.3 The cost of the application is $6,99 per month.

12.4 Subscription is made through payment systems of Apple and Google in the form of auto-subscription.

12.5 Funds paid by the user are non-refundable.

12.6 The user can cancel the auto-subscription at any time.