Terms & conditions

Last Updated: February 6, 2026

1. Agreement to Terms

By accessing or using the website epochal.mc (the "Website"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Website.

Service Provider:
Epochal Corporation
Monaco
Email: anete@epochal.mc

2. Description of Service

Epochal Corporation provides:

Email newsletter with investment insights and commentary on capital allocation and long-term investing
Shareholder letters and investor updates (restricted content for verified users)

Important Disclaimer: The content provided is for informational and educational purposes only and does not constitute financial, investment, legal, or tax advice. We do not provide investment advisory services.

3. Eligibility

You must be at least 18 years old to use this Website. By using the Website, you represent and warrant that you meet this age requirement.

4. User Accounts and Registration

4.1 Subscription

When you subscribe to our communications, you agree to:

Provide accurate, current, and complete information
Maintain and update your information as necessary
Keep your email account secure
Notify us of any unauthorized use

4.2 Restricted Content Access

Access to certain shareholder letters and investor updates requires verification. We reserve the right to:

Verify your identity and investor status
Grant or deny access at our sole discretion
Revoke access at any time without notice

5. Acceptable Use

You agree NOT to:

Use the Website for any illegal purpose or in violation of any laws
Reproduce, distribute, or commercially exploit Website content without permission
Copy, modify, or create derivative works from our proprietary content
Use automated systems (bots, scrapers) to access the Website
Attempt to gain unauthorized access to any part of the Website
Interfere with or disrupt the Website's operation
Impersonate any person or entity
Share restricted content with unauthorized individuals
Use the information for unlawful investment activities or market manipulation

6. Intellectual Property Rights

6.1 Our Content

All content on the Website, including but not limited to:

Text, graphics, logos, images
Investment insights and analysis
Shareholder letters and communications
Software and design elements

is the property of Epochal Corporation or its licensors and is protected by copyright, trademark, and other intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to:

Access and view Website content for personal, non-commercial use
Subscribe to and read our email communications

This license does not include the right to:

Download, copy, or redistribute content (except where explicitly permitted)
Use content for commercial purposes
Modify or create derivative works

6.3 Shareholder Letters

Shareholder letters and restricted content are confidential and proprietary. By accessing this content, you agree to:

Keep the information confidential
Not share, distribute, or reproduce the content
Use the information solely for your own investment decision-making

7. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

Merchantability
Fitness for a particular purpose
Non-infringement
Accuracy, reliability, or completeness of content
Uninterrupted or error-free service

Investment Disclaimer:
We do not guarantee investment returns or outcomes. Past performance is not indicative of future results. Investment involves risk, including potential loss of principal.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EPOCHAL CORPORATION SHALL NOT BE LIABLE FOR:

Any direct, indirect, incidental, special, consequential, or punitive damages
Loss of profits, revenue, data, or business opportunities
Investment losses or financial damages
Damages resulting from use or inability to use the Website
Damages caused by errors, omissions, interruptions, or inaccuracies in content

This limitation applies even if we have been advised of the possibility of such damages.

Maximum Liability: Our total liability to you for any claims arising from your use of the Website shall not exceed €100 or the amount you paid to us (if any), whichever is greater.

9. Not Financial Advice

9.1 Informational Purposes Only

All content on the Website is for informational and educational purposes only. It is NOT:

Investment advice or recommendations
An offer to buy or sell securities
Personalized financial planning guidance
Tax or legal advice

9.2 Professional Advice

You should:

Consult with qualified financial, legal, and tax professionals before making investment decisions
Conduct your own due diligence and research
Understand your own risk tolerance and investment objectives
Consider your personal financial situation

9.3 No Client Relationship

Subscribing to our communications or accessing our content does NOT create:

An investment advisory relationship
A fiduciary duty
A client-advisor relationship

10. Third-Party Links

The Website may contain links to third-party websites or services. We:

Do not endorse or control these third-party sites
Are not responsible for their content, privacy practices, or terms
Recommend reviewing their policies before providing personal information

11. Privacy and Data Protection

Your use of the Website is also governed by our Privacy Policy and Cookie Policy. Please review these documents to understand how we collect, use, and protect your personal data.

12. Communications

By subscribing to our communications, you consent to receive:

Periodic investment insights and market commentary
Shareholder letters and investor updates
Occasional service announcements

You can unsubscribe at any time by:

Clicking the unsubscribe link in our emails
Contacting us at anete@epochal.mc

13. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Website. We will:

Update the "Last Updated" date
Notify subscribers of material changes via email (if applicable)

Continued use of the Website after changes constitutes acceptance of the modified Terms.

14. Modifications to Service

We reserve the right to:

Modify, suspend, or discontinue the Website or any service at any time
Change content, features, or availability without notice
Implement restrictions on certain features or access

We are not liable for any modification, suspension, or discontinuation of service.

15. Indemnification

You agree to indemnify, defend, and hold harmless Epochal Corporation, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including legal fees) arising from:

Your use of the Website
Your violation of these Terms
Your violation of any rights of third parties
Your violation of applicable laws or regulations

16. Termination

We reserve the right to:

Terminate or suspend your access to the Website at any time, with or without cause or notice
Remove or disable content at our sole discretion

Upon termination:

Your right to use the Website ceases immediately
You must stop using all Website content
Provisions that should survive termination will remain in effect

17. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Monaco, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of Monaco.

18. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

19. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Epochal Corporation regarding use of the Website.

20. Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

21. Contact Information

For questions, concerns, or notices regarding these Terms of Service, please contact us:

Epochal Corporation
Monaco
Email: anete@epochal.mc

22. Regulatory Compliance

Epochal Corporation operates in compliance with Monaco securities and financial regulations. We:

Do not offer investment advisory services requiring registration
Provide general market commentary and educational content only
Do not manage client funds or execute securities transactions through this Website

Acknowledgment: By using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

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