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Terms of Service

Effective: 2026-07-11 · Version: 0.2.0

Welcome to Crumpert. These Terms are a contract between you and Crumpert Limited, a company registered in England and Wales (company number 17307057, registered office 16 Pennant Apartments, Devan Grove, London N4 2UZ) ("we", "us", "Crumpert"). They govern your use of the website at crumpert.com, our mobile applications, and any related services (the "Service"). By using the Service you agree to these Terms.

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

4.1 Free and paid subscriptions

  • You can subscribe to a creator for free: their free posts appear in your feed and notifications. Free subscriptions cost nothing, grant no access to paid content, and can be ended at any time with one tap.
  • Paid subscriptions unlock a creator's premium posts, live calls, and subscriber discussion. Creators offer a recurring monthly plan and may also offer an annual plan (one payment covering 12 months, priced below 12× the monthly rate).

4.2 Payment processing

  • 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; your paid subscription is a contract between you and the creator (see the Creator Agreement).
  • Platform fee: Crumpert takes 10% of each subscription charge from the creator's side. Stripe's processing fees are also borne by the creator. Fees never change what you, the subscriber, pay beyond the listed plan price.
  • In our mobile apps (iOS and Android), subscriptions cannot be purchased or managed in-app. Purchases happen on the website; access carries into the apps when you sign in. Apple and Google are not party to these Terms and have no responsibility for the Service or your subscription.

4.3 Free trials

  • A creator may offer a free trial of 24, 48, or 72 hours on their paid plan. You enter card details up front, and your card is automatically charged when the trial ends unless you cancel before then. The plan price and billing frequency are always shown before you start a trial.
  • One trial per reader per creator, ever.

4.4 Auto-renewal and cancellation

  • Paid subscriptions auto-renew — monthly plans each month, annual plans each year — until cancelled.
  • You can cancel at any time via the Stripe billing portal (Manage subscription on the creator's page). Cancellation takes effect at the end of the current billing period; you keep access until then. Cancelling an annual plan stops the next year's renewal — see §4.5 for refunds within the cooling-off period.

4.5 Cooling-off and refunds

  • 14-day cooling-off: if you're a consumer, you may cancel a new paid subscription within 14 days of your first charge and receive a full refund of that charge, by emailing support@crumpert.com from your account email. This applies to monthly and annual first charges alike (a trial's first charge is the one taken when the trial converts). This reflects your rights under the UK Consumer Contracts Regulations 2013 and does not limit any other statutory rights.
  • Renewal charges (a second month onwards, or an annual renewal) are refundable at the creator's discretion; contact the creator, or support@crumpert.com if you believe a charge was fraudulent or made in error.
  • Annual plans are not refunded pro-rata: outside the cooling-off period, cancelling an annual plan means access continues to the end of the paid year and the plan simply doesn't renew.
  • Where a creator's account is terminated for cause, we may refund subscribers for any materially unfulfilled period (see Creator Agreement §9).

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.

5.1 What "verified" track records mean (and don't)

Some creators display a track record labelled "Verified". That label describes how the numbers are produced, not a guarantee of skill or future results:

  • Entry and exit prices are captured automatically from live market data feeds at the moment a creator opens or closes a call — they are not self-reported. Market data is delayed, not real-time, and may differ from prices actually obtainable in the market.
  • Options figures are modelled, not traded fills: premiums are estimated with a Black-Scholes model from the underlying price and its historical volatility, and are labelled "Modeled". They are a consistent estimate, not a record of real executions.
  • Displayed records cover a rolling 30-day window of closed calls unless stated otherwise. Older results age out of the display.
  • Track records are not audited, do not account for position sizing, fees, taxes, slippage, or whether the creator actually traded, and past performance is not a reliable indicator of future results.
  • Figures are computed automatically from third-party market-data feeds. Feeds can be wrong, delayed, or unavailable, and our calculations can contain errors. We do not warrant the accuracy, completeness, or timeliness of any track-record figure, and you agree not to rely on them in making investment decisions.

You must not treat a verified track record as a recommendation, a performance promise, or a substitute for your own judgement. Track records are informational displays about a creator's published calls — they are not investment research, a solicitation, or an inducement by Crumpert to subscribe or to trade.

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.

This applies equally to data the Service computes or displays — track-record figures, price quotes, charts, returns, win rates, and rankings. These are generated automatically from third-party market data (which is delayed and may itself be wrong) and may contain errors. You agree not to make investment decisions in reliance on them.

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).

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.

16. Contact

Legal: legal@crumpert.com General: hello@crumpert.com Billing and refunds: support@crumpert.com

Crumpert Limited · Company number 17307057 (England and Wales) Registered office: 16 Pennant Apartments, Devan Grove, London N4 2UZ