Terms of Use – The Mad Capitalist

Updated on November 23, 2023

INDIETECH OÜ, an Estonian Limited Liability Company (LLC, also referred to as OÜ), operates with VAT number EE102204759 and is based in Tallinn at Keemia tn 4, 10616, Harju, Estonia. It is the founder, proprietor, and operator of The Mad Capitalist website, accessible at https://themadcapitalist.com.

The Mad Capitalist is autonomously managed. The website offers a variety of information and services, accessible to users who agree to the terms, conditions, and policies mentioned here. Interacting with our website means you are utilizing our “Services.”

The Mad Capitalist specializes in creating content that is informative and analytical, focusing on a wide array of products and services (including credit cards, loans, and various financial services) from both local and international sources.

The privacy measures of The Mad Capitalist are detailed in its Privacy Policy, available at https://themadcapitalist.com/privacy-policy/. This policy, in conjunction with relevant laws, regulates the usage of the website and these Terms.

The purpose of these Terms and Conditions of Use is to define the responsibilities and obligations that users must follow when accessing and using The Mad Capitalist website, as further explained in subsequent sections.


Article I – User Agreement

1.1 Accessing The Mad Capitalist signifies user consent to comply with its Terms and Conditions of Use and Privacy Policy.

1.2 Users accessing or using The Mad Capitalist confirm they are at least 18 years old and legally capable of accepting these Terms and Conditions of Use.

1.3 Users who do not meet these requirements or disagree with these terms, even partially, should not use The Mad Capitalist’s services or its website.

Article II – Contact

2.1 The Mad Capitalist provides a communication service for users to make inquiries, resolve problems, file complaints, or give feedback on its products/services.

2.2 Users can communicate through our email [email protected], or the form at https://themadcapitalist.com/contact/.

Article III – Party Obligations

3.1 Users must fully understand and agree with all aspects of these Terms and Conditions of Use and Privacy Policy when using The Mad Capitalist’s services or products.

3.2 The Mad Capitalist may link to other websites for services or product purchases, with no involvement in these external transactions.

3.3 Users redirected to a third-party site must agree to that site’s terms and privacy policy.

3.4 The Mad Capitalist is not responsible for the terms, privacy policies, or the content of services/products of advertised companies.

3.5 The Mad Capitalist is not liable for damages from viruses or malware due to internet usage, with users responsible for their own cybersecurity.

3.6 The Mad Capitalist is not liable for losses or damages from misuse of its website or unforeseen events.

3.7 The Mad Capitalist does not ask for deposits or transfers for financial product approvals.

3.8 The Mad Capitalist does not send emails asking for data confirmation or with attachments. Such incidents should be reported via [email protected] or the contact form at https://themadcapitalist.com/contact/.

Article IV – Prohibited Conduct

Users of the site must refrain from engaging in:

  • Illegal activities or endorsing such acts;
  • Violating any level of laws and regulations;
  • Infringing intellectual property rights;
  • Engaging in harassment, abuse, defamation, discrimination, or intimidation based on personal attributes;
  • Spreading false or misleading information;
  • Transmitting harmful computer codes;
  • Collecting personal data from third parties without consent;
  • Involvement in spam, phishing, or similar activities;
  • Actions for immoral or obscene purposes;
  • Circumventing security measures.

Breaching these rules may lead to termination of access to our services.

Article V – Limitations on Liability and Warranties

We do not guarantee uninterrupted, secure, or error-free use of our services, nor the accuracy or reliability of the results obtained from its use. We reserve the right to suspend or discontinue the Service at any time without prior notice.

Use of our service is at your own risk. The service and all associated products are provided “as is” without any warranties, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

The Mad Capitalist and its staff, affiliates, agents, contractors, service providers, or licensors shall not be liable for any type of damage or loss, whether direct, indirect, incidental, punitive, special, or consequential. This includes loss of profits, revenue, savings, data, or replacement costs, related to the use of our service or any products or claims associated with it, including damages from content errors or omissions.

Article VI – Duration and Statute of Limitations

These Terms and Conditions of Use are in effect indefinitely. Legal or administrative actions related to the use of The Mad Capitalist or its Privacy Policy must commence within 90 days of the event that triggered the claim.

Article VII – Governing Law and Jurisdiction

7.1 These Terms and Conditions of Use and the Privacy Policy are subject to and interpreted under Federal Laws, the Civil Code, and consumer and data protection laws.

7.2 For any issues regarding these Terms and the Privacy Policy, the parties agree to submit to the jurisdiction of the Chamber of Commerce of Tallinn, Estonia (The Arbitration Court of the Estonian Chamber of Commerce and Industry), relinquishing any other jurisdiction, to resolve any disputes or questions arising from these terms of use.”

Article VIII – Content and Intellectual Property Rights

8.1 Content Ownership

The content on The Mad Capitalist website, owned by INDIETECH OÜ or its partners, is protected under copyright and intellectual property laws. Users must not copy, modify, distribute, publish, display, broadcast, or create derivative works from this content without express written permission from the owners.

8.2 Disclaimer of Liability

The Mad Capitalist is not liable for third-party content, including comments, forum posts, social media content, or anything beyond its control. It also disclaims liability for any damages or losses related to the website’s use, including direct, indirect, incidental, special, or consequential damages.

8.3 Content Violation Response

The Mad Capitalist reserves the right to remove content violating these terms, such as illegal, offensive, defamatory material, or content that infringes on third-party intellectual property rights. INDIETECH OÜ may also terminate the accounts of users who breach these terms.

Article IX – Amendments to Terms and Conditions

The Mad Capitalist can modify or discontinue any aspect of its services without prior or subsequent notification. Users acknowledge that The Mad Capitalist is not liable for any changes, suspensions, or discontinuations of its services.


Article X – Contact Information

For questions or suggestions about our services, please contact The Mad Capitalist at https://themadcapitalist.com/contact/ or via email at [email protected].