These Terms of Use apply to your access to and use of SmallCap Atlas (the “Site”). By accessing the Site or creating/signing into an account, you agree to these Terms.

If you do not agree, do not use the Site.

1) About the Site

The Site publishes market news, factual information and commentary for general information purposes. The Site is not a financial advisory service.

Your use of the Site is also subject to our:

• Disclaimer (financial information disclaimer, no AFSL, liability limits); and
• Privacy Policy (how we handle personal information).

2) Accounts and access

Some content (including notes) may require you to sign in using your email address.

You agree to:

• provide accurate account information;
• keep access to your account confidential; and
• take reasonable steps to prevent unauthorised use of your account.

We may suspend, restrict, or terminate access to the Site (including any account) if we reasonably believe:

• you have breached these Terms;
• your use creates security or operational risk; or
• we are required to do so by law.

3) Permitted use

You may use the Site for your personal, non-commercial use and to access content as made available through the Site.

You must not:

• interfere with the security, integrity, or performance of the Site;
• attempt to bypass access controls or restrictions (including paywalls/gating);
• use the Site to infringe the rights of others or to break any law; or
• use automated means to access the Site in a way that unreasonably burdens it or collects substantial portions of content.

4) Intellectual property

All content and materials on the Site (including notes, text, graphics, branding and design) are owned by us or our licensors and are protected by intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and view the Site for the purposes described in these Terms.

You may share direct links to Site content and forward unmodified PDF exports generated by the Site, provided attribution and the source URL are retained.

Except for the sharing permission above and to the extent otherwise permitted by law, you must not reproduce, republish, redistribute, sell, or commercially exploit Site content (including notes) without our prior written permission.

5) Third-party content and links

The Site may reference third-party sources or include links to external websites. We do not control and are not responsible for third-party content, products, or services.

6) Disclaimers and limitation of liability

The Site and its content are provided on an “as is” and “as available” basis.

To the maximum extent permitted by law:

• we disclaim all warranties, representations and conditions (express or implied); and
• we are not liable for any loss, damage, cost or expense (including indirect or consequential loss) arising from your use of, or reliance on, the Site or its content.

Nothing in these Terms excludes consumer guarantees or other rights that cannot be excluded under applicable law. Where liability cannot be excluded, it is limited to the minimum extent permitted by law.

7) Corrections

We aim to publish accurate information. If you believe any content contains an error or omission, please contact us at admin@smallcaptatlas.com with details and (where possible) supporting sources.

We may update content from time to time; where practical, material corrections will be noted on the relevant page.

8) Changes to the Site or Terms

We may modify, suspend, or discontinue any part of the Site at any time.

We may update these Terms from time to time. The updated Terms will be posted on this page with a new “Last updated” date. Your continued use of the Site after changes indicates acceptance of the updated Terms.

9) Governing law

These Terms are governed by the laws of New South Wales, Australia and you submit to the non-exclusive jurisdiction of the courts of that State/Territory.

10) Contact

Questions about these Terms: admin@smallcaptatlas.com