Last Updated: January 12, 2025

1. Acceptance of Terms

By accessing and using the St. George Capital website ("Site") and our services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

St. George Capital is a student-run quantitative investment and research organization at the University of Toronto. Our website provides information about our organization, research publications, career opportunities, and educational content.

3. Educational and Informational Purpose

Important Disclaimer: All information provided on this website is for educational and informational purposes only. Nothing on this site should be construed as investment advice, financial planning, or a recommendation to buy or sell any securities. Past performance does not guarantee future results.

4. No Investment Advice

St. George Capital does not provide investment advice, financial planning services, or recommendations. Our research and analyses are educational in nature and should not be used as the sole basis for investment decisions. Always consult with qualified financial professionals before making investment decisions.

5. Student-Run Organization

St. George Capital is operated by University of Toronto students. While we strive for accuracy and professionalism, our activities are educational and should be viewed in that context. We are not registered investment advisors or broker-dealers.

6. User Responsibilities

6.1 Account Security

If you create an account on our website, you are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use

6.2 Acceptable Use

You agree not to use our website to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit harmful or malicious code
• Harass, abuse, or harm others
• Attempt to gain unauthorized access to our systems

7. Intellectual Property

7.1 Our Content

All content on this website, including text, graphics, logos, images, and research materials, is the property of St. George Capital or our licensors and is protected by copyright and other intellectual property laws.

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes, subject to these Terms of Use.

7.3 User-Generated Content

By submitting content to our website, you grant us a worldwide, royalty-free license to use, display, and distribute your content in connection with our services.

8. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of our website, to understand our practices regarding the collection and use of your personal information.

9. Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of Liability

In no event shall St. George Capital, its officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of our website or services.

11. Indemnification

You agree to indemnify and hold harmless St. George Capital and its affiliates from any claims, losses, liability, damages, and expenses arising from your use of our website or violation of these terms.

12. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of these external sites. Your use of third-party websites is at your own risk.

13. Termination

We reserve the right to terminate or suspend your account and access to our services at our sole discretion, without prior notice, for conduct that we believe violates these Terms of Use or is harmful to other users, us, or third parties, or for any other reason.

14. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada, without regard to its conflict of law provisions.

15. Changes to Terms

We reserve the right to modify these Terms of Use at any time. We will notify users of material changes by posting the updated terms on this page and updating the "Last Updated" date.

16. Severability

If any provision of these Terms of Use is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the Terms of Use will otherwise remain in full force and effect.

17. Entire Agreement

These Terms of Use constitute the entire agreement between you and St. George Capital regarding the use of our website and services, superseding any prior agreements.

18. Contact Information

If you have any questions about these Terms of Use, please contact us at: