Terms of Service

1. Acceptance of Terms

By accessing and using the St. Gallen Markets Society (SGMS) platform, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using this platform.

2. Eligibility

To use this platform, you must:

• Be a current student at the University of St. Gallen or have explicit permission to participate in SGMS programs
• Be at least 16 years of age
• Provide accurate and complete registration information
• Maintain the security of your account credentials

3. User Accounts

3.1 Account Creation

You are responsible for maintaining the confidentiality of your account and password. You agree to accept responsibility for all activities that occur under your account.

3.2 Account Security

You must:

• Use a strong password
• Not share your account credentials with others
• Notify us immediately of any unauthorized access
• Verify your email address

3.3 Account Termination

We reserve the right to suspend or terminate your account if you violate these terms or engage in inappropriate conduct.

4. Use of Services

4.1 Permitted Use

You may use our platform to:

• Access educational materials and program content
• Participate in SGMS events and activities
• Communicate with other members and organizers
• Download slides and resources provided for educational purposes

4.2 Prohibited Activities

You may not:

• Share your account credentials or allow unauthorized access
• Redistribute, sell, or commercialize content from the platform
• Use automated systems (bots, scrapers) to access the platform
• Attempt to gain unauthorized access to any part of the platform
• Upload malicious code or engage in hacking attempts
• Harass, abuse, or harm other users
• Violate any applicable laws or regulations
• Impersonate others or misrepresent your affiliation

5. Intellectual Property

5.1 Platform Content

All content on this platform, including text, graphics, logos, software, and educational materials, is the property of SGMS, University of St. Gallen, or our content providers and is protected by copyright and intellectual property laws.

5.2 Educational Use

Materials provided on this platform are for personal educational use only. You may download and use materials for your studies but may not redistribute, publish, or use them for commercial purposes without explicit permission.

5.3 Guest Speaker Materials

Presentation slides and materials from guest speakers remain the intellectual property of their respective owners. Use of these materials is subject to additional restrictions communicated during the program.

6. Event Participation

When participating in SGMS events:

• Attendance may be mandatory for certain sessions
• Professional conduct is expected at all times
• Event schedules may change; we will notify you of any updates
• Some events may be recorded for educational purposes
• Dress codes and other requirements will be communicated in advance

7. Privacy and Data Protection

Your use of this platform is also governed by our Privacy Policy. By using our services, you consent to the collection and use of information as described in the Privacy Policy.

8. Disclaimers

8.1 Platform Availability

We strive to maintain continuous platform availability but do not guarantee uninterrupted access. The platform may be unavailable due to maintenance, updates, or technical issues.

8.2 Content Accuracy

While we make efforts to provide accurate and up-to-date information, we do not warrant the accuracy, completeness, or reliability of any content on the platform.

8.3 Educational Content

Educational materials and guest speaker presentations are provided for informational purposes only and should not be construed as professional financial, legal, or investment advice.

9. Limitation of Liability

To the fullest extent permitted by law:

• SGMS shall not be liable for any indirect, incidental, special, or consequential damages
• Our total liability shall not exceed the fees you paid to access the platform (if any)
• We are not responsible for content, actions, or omissions of third parties
• We are not liable for any loss of data or unauthorized access to your account

10. Indemnification

You agree to indemnify and hold harmless SGMS, University of St. Gallen, and their officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from your use of the platform or violation of these terms.

11. Modifications to Service

We reserve the right to modify, suspend, or discontinue any part of the platform at any time without notice. We may also update program content, schedules, and requirements as needed.

12. Changes to Terms

We may revise these Terms of Service at any time. Changes will be effective immediately upon posting. Your continued use of the platform after changes constitutes acceptance of the modified terms.

13. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Switzerland. Any disputes shall be subject to the exclusive jurisdiction of the courts of St. Gallen, Switzerland.

14. Severability

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

15. Contact Information

For questions about these Terms of Service, please contact us: