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Privacy Policy

Last updated: 2026

Hovarn respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and protect information provided through our website and platform.

1. Information We Collect

We may collect personal information such as your first name, last name, email address, phone number, and any other details you provide when creating an account, submitting a form, or contacting us.

2. How We Use Your Information

We use your information to create and manage your account, provide access to Hovarn platform features, respond to inquiries, improve our services, support security measures, and send relevant updates related to Hovarn.

3. Data Protection

We use reasonable technical and organizational measures to help protect your personal information against unauthorized access, loss, misuse, alteration, or disclosure.

4. Sharing of Information

We do not sell your personal information. We may share information with trusted service providers who assist us in operating our website, managing communications, maintaining security, or providing Hovarn platform-related services.

5. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to improve user experience, analyze website performance, and support essential functionality. You may adjust cookie settings through your browser.

6. Trading, Investment and Risk Information

Hovarn may process information related to your trading interests, preferences, experience, or investment objectives in order to provide a more relevant platform experience. Trading and investing involve risk, including the potential loss of capital. Hovarn does not guarantee profits, returns, or specific trading outcomes.

7. Data Retention

We retain personal information only for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements.

8. Your Rights

Depending on your location, you may have the right to access, correct, update, delete, or restrict the processing of your personal information. You may also have the right to object to certain processing activities.

9. Third-Party Links

Our website may contain links to third-party websites or services. Hovarn is not responsible for the privacy practices, content, security, or policies of external websites and services.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date.

11. Contact Us

If you have any questions about this Privacy Policy or how your information is handled, please contact us through the contact form available on the Hovarn website.

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Terms & Conditions

Last updated: 2026

These Terms & Conditions ("Terms") govern your access to and use of the Hovarn website, platform, and related services. By accessing or using our services, you agree to be bound by these Terms.

1. Eligibility

You must be at least 18 years of age and legally capable of entering into binding agreements in your jurisdiction to use the Hovarn platform.

2. Platform Purpose

Hovarn provides technology, market research, educational content, trading-related tools, market analysis features, and information designed to help users explore financial markets and better understand market developments.

3. No Investment Advice

Information provided through Hovarn is for informational and educational purposes only. Nothing on the platform should be interpreted as investment, financial, legal, tax, or professional advice. Users are solely responsible for evaluating any trading or investment decisions and, where appropriate, seeking independent professional advice before making financial commitments.

4. Trading and Investment Risk Disclosure

Trading and investing involve risk, including the potential loss of capital. Past performance does not guarantee future results. Financial markets may be volatile, market conditions may change rapidly, and no trading or investment outcome can be guaranteed. Hovarn does not guarantee profits, returns, trading performance, portfolio performance, specific results, or the achievement of any financial objective.

5. AI-Generated Information

Certain Hovarn features may use artificial intelligence, automated systems, algorithms, or data-driven technologies to generate market insights, analysis, signals, summaries, or other information. AI-generated or automated information may contain errors, inaccuracies, delays, or incomplete data and should not be relied upon as the sole basis for any trading or investment decision. Users remain responsible for independently reviewing and evaluating all information before taking financial action.

6. Account Registration

When registering for an account, you agree to provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account credentials and for all activities conducted through your account.

7. Acceptable Use

You agree not to:

• Use the platform for unlawful purposes;
• Attempt to gain unauthorized access to systems or data;
• Interfere with platform operations or security measures;
• Transmit malicious software, code, or harmful content;
• Misrepresent your identity or affiliation;
• Attempt to reverse engineer, manipulate, or misuse Hovarn technology or automated systems.

8. Intellectual Property

All content, branding, technology, software, algorithms, interfaces, graphics, research materials, analytical tools, and other platform elements are owned by or licensed to Hovarn and are protected by applicable intellectual property laws. No content may be copied, distributed, modified, reproduced, republished, or commercially exploited without prior written permission.

9. Third-Party Services

The platform may contain references or links to third-party websites, brokers, trading platforms, service providers, data providers, or other external resources. Hovarn is not responsible for the availability, accuracy, content, security, products, services, or practices of third parties. Your interactions with third-party services may be governed by separate terms, conditions, and privacy policies provided by those third parties.

10. Market Data and Information

Market prices, charts, signals, statistics, news, analysis, and other financial information displayed through Hovarn may be obtained from third-party sources or generated through automated technologies. We do not guarantee that such information is accurate, complete, error-free, or provided in real time. Users should independently verify information before relying on it for trading or investment decisions.

11. Limitation of Liability

To the fullest extent permitted by law, Hovarn and its affiliates, directors, employees, contractors, technology providers, and partners shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from your use of the platform, inability to access the platform, trading or investment losses, or reliance on information provided through the platform.

12. Disclaimer of Warranties

The platform is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. We do not guarantee uninterrupted availability, accuracy, completeness, reliability, profitability, suitability for any particular purpose, or error-free operation.

13. Privacy

Your use of the platform is also governed by our Privacy Policy, which explains how personal information is collected, used, stored, shared, and protected.

14. Modifications

Hovarn reserves the right to modify these Terms at any time. Updated versions will be posted on this page, and continued use of the platform after changes become effective constitutes acceptance of the revised Terms.

15. Termination

We reserve the right to suspend, restrict, or terminate access to the Hovarn platform at our discretion if we believe a user has violated these Terms, misused the platform, created security risks, or violated applicable law.

16. Governing Law

These Terms shall be governed and interpreted in accordance with the applicable laws of the jurisdiction in which the operating entity of Hovarn is established, without regard to conflict-of-law principles.

17. Contact

If you have questions regarding these Terms & Conditions, please contact us through the contact methods provided on the Hovarn website.

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Cookie Policy

Last updated: 2026

This Cookie Policy explains how Hovarn uses cookies and similar technologies when you visit our website or interact with our platform. By continuing to use our website, you consent to the use of cookies as described in this policy, subject to your browser settings and applicable law.

1. What Are Cookies?

Cookies are small text files that are stored on your device when you visit a website. They help websites function properly, improve user experience, remember preferences, and provide information about website usage.

2. How We Use Cookies

Hovarn uses cookies and similar technologies to:

• Ensure the website and Hovarn platform function correctly;
• Maintain security and protect user accounts;
• Remember user preferences and settings;
• Analyze website traffic, usage, and performance;
• Improve user experience and platform functionality;
• Support website optimization and development;
• Improve the relevance and performance of Hovarn features.

3. Types of Cookies We Use

Essential Cookies

These cookies are necessary for the operation of the website and platform and cannot be disabled in our systems. They support core functionality such as security, authentication, session management, and accessibility.

Performance and Analytics Cookies

These cookies help us understand how visitors interact with the Hovarn website and platform by collecting information about page visits, traffic sources, navigation patterns, feature usage, and user behavior. This information is generally aggregated and does not directly identify users.

Functional Cookies

These cookies allow the website and platform to remember choices you make, such as language preferences, interface settings, session preferences, or form information, to provide a more personalized experience.

Security Cookies

Security-related cookies help Hovarn detect suspicious activity, prevent fraud, protect user sessions, and support account and platform security measures.

4. Third-Party Cookies

Hovarn may use trusted third-party service providers for analytics, infrastructure, performance monitoring, security, communications, or platform functionality. These providers may place or access cookies on your device in accordance with their own privacy and cookie policies.

5. Managing Cookies

Most web browsers allow you to control cookies through browser settings. You may choose to block, delete, or restrict cookies at any time. However, disabling certain cookies may affect the functionality of the Hovarn website or platform and may limit certain features or services.

6. Cookie Retention

Some cookies remain on your device only for the duration of your browsing session, while others may remain for a longer period to remember preferences, maintain functionality, support security, and improve future visits.

7. Similar Technologies

In addition to cookies, Hovarn may use similar technologies such as local storage, pixels, tags, or other technical mechanisms to support platform functionality, measure performance, maintain security, and understand how users interact with our services.

8. Updates to This Policy

We may update this Cookie Policy from time to time to reflect changes in technology, legal requirements, our services, or Hovarn platform functionality. Any updates will be posted on this page with a revised effective date.

9. Contact Us

If you have questions regarding Hovarn's use of cookies or this Cookie Policy, please contact us through the contact information provided on the Hovarn website.

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