Crumpert
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Terms of Service

Effective: 2026-06-01 · Version: 0.1.0 (lawyer review pending)

Welcome to Crumpert ("we", "us", "Crumpert"). These Terms govern your use of the website at crumpert.com and any related services (the "Service"). By using the Service you agree to these Terms.

[LAWYER REVIEW] Confirm correct legal entity name (Ltd / LLC / sole trader) and registered address; insert here before publication.

1. What Crumpert is

Crumpert is a publishing platform for finance creators. We let creators publish written notes, trade ideas, and market commentary, and let readers follow or subscribe to those creators. We do not ourselves provide investment advice, recommend trades, or take editorial positions on any creator's content. We do not approve financial promotions on behalf of creators.

2. Your account

  • You must be at least 18 years old to use the Service.
  • You provide an email and optionally connect Google. You're responsible for keeping access to that email secure.
  • One person per account. Sharing or transferring accounts is not allowed.
  • We may suspend or terminate your account if you breach these Terms, including without notice for serious breaches (illegal content, fraud, abuse of others).

3. Content

3.1 Your content

You retain ownership of everything you publish (posts, comments, trade lists, profile copy — "Your Content"). By posting it on Crumpert, you grant us a worldwide, non-exclusive, royalty-free licence to host, copy, transmit, display, and create derivative works of Your Content solely to operate the Service (e.g. show your post in feeds, generate previews, send digest emails to your subscribers). This licence ends when you delete Your Content, subject to a reasonable period for our backups to age out.

3.2 Your representations

You represent that Your Content is yours to post, doesn't infringe anyone else's rights, and complies with our Acceptable Use Policy and the financial-services laws of the jurisdictions where you operate (see §6).

3.3 Our role

Crumpert is a platform, not the publisher of Your Content. We don't review posts before they appear, and statements made by creators are not statements by Crumpert. We may, but are not required to, remove or restrict content that breaches these Terms or our Acceptable Use Policy.

4. Subscriptions and payments (phase 2)

Paid subscriptions are not enabled in this version of the Service. The clauses below describe how they will work once payments are turned on.

  • Readers can subscribe to a creator's publication for a recurring monthly fee.
  • Payments are processed by Stripe under Stripe's own terms. We never store your full card details.
  • Creator payouts are routed through Stripe Connect Express. The creator is the merchant of record for their own subscriptions.
  • Platform fee: Crumpert takes 7% of each subscription charge. Stripe processing fees (currently ~2.9% + 30¢ for standard cards, +0.25% Connect routing fee) are passed through to the creator on top.
  • Refunds: subscribers may request a refund within 7 days of any charge via the in-product settings. After 7 days, refunds are at the creator's discretion.
  • Subscriptions auto-renew until cancelled. Cancellation takes effect at the end of the current billing period.

[LAWYER REVIEW] Refund clause + auto-renewal disclosure must comply with the UK Consumer Contracts Regulations 2013 (14-day cooling-off) and equivalent EU rights.

5. Platform-only role; no financial advice

Crumpert is not a broker-dealer, investment adviser, or financial firm. Nothing on the Service is investment advice from us. Statements published by creators are their own opinions and may be wrong. You should consult a regulated professional before making investment decisions and should not treat creator content as personalised advice.

6. Creator responsibilities

If you publish on Crumpert, the Creator Agreement applies in addition to these Terms. In particular, you remain solely responsible for ensuring your posts comply with the financial-promotion / financial-advice rules in every jurisdiction where they're read, including:

  • United Kingdom: s.21 Financial Services and Markets Act 2000 (financial promotions) and related FCA rules.
  • United States: SEC / FINRA rules on unregistered investment advice and market manipulation.
  • European Union: MiFID II "investment recommendations" rules and Market Abuse Regulation.

We provide tools (per-post and per-trade disclaimers; a compliance acknowledgement at creator signup); compliance is your responsibility.

7. Acceptable use

You agree not to use Crumpert to do anything illegal, fraudulent, abusive, or otherwise prohibited by our Acceptable Use Policy, which is part of these Terms. We may suspend, restrict, or remove Your Content or your account for AUP breaches.

8. Copyright and DMCA

We respect intellectual property. To report alleged infringement of your copyright, follow the procedure in our DMCA / Takedown Policy. We will respond to valid notices and may terminate the accounts of repeat infringers.

9. Privacy

Our Privacy Policy describes how we handle your personal data. By using the Service you accept that policy.

10. Disclaimers

The Service is provided "as is" and "as available". To the extent permitted by law, we exclude all implied warranties (merchantability, fitness for purpose, non-infringement). We do not guarantee that the Service will be uninterrupted, error-free, or secure, nor that the content posted by creators is accurate, lawful, or suitable for any particular use.

11. Limitation of liability

To the extent permitted by law:

  • Crumpert will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages, or for lost profits, lost data, or lost opportunities, arising from your use of the Service.
  • Our total aggregate liability to you for any claim arising from the Service is limited to the greater of (a) £100 or (b) the amount you paid to Crumpert in the 12 months before the event that gave rise to the claim.
  • Nothing in these Terms excludes liability that cannot be excluded under applicable law (e.g. death or personal injury caused by negligence, fraud).

[LAWYER REVIEW] Liability cap and unfair-terms compatibility under UK Consumer Rights Act 2015.

12. Indemnity

You agree to indemnify Crumpert against third-party claims arising from Your Content, your breach of these Terms, or your violation of any law or regulation, including regulatory enforcement actions related to the financial-promotion / financial-advice rules referenced in §6.

13. Termination

We may suspend or terminate your access at any time, with or without notice, for breach of these Terms or where required by law. You may close your account at any time via the settings page. Sections that by their nature should survive termination (Content licence wind-down, disclaimers, limitation of liability, indemnity, dispute resolution) survive.

14. Changes to these Terms

We may update these Terms. Material changes will be notified by email or in-product banner at least 14 days before they take effect. Continued use after the effective date is acceptance.

15. Governing law and disputes

These Terms are governed by the laws of England and Wales. Disputes will be heard in the courts of England and Wales, except that you may bring proceedings in your country of residence where consumer-protection law allows.

[LAWYER REVIEW] Confirm whether to add an arbitration clause for US users (waiver of class action) or rely on court process. Cost-benefit depends on US litigation exposure.

16. Contact

Legal: legal@crumpert.com General: hello@crumpert.com Registered office: [LAWYER REVIEW — insert]