Legal
Legal
Policy
Terms of service and Privacy Policy.
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Altiora Finance — Terms of Service (TOS)
Effective Date: 10/11/2025
Contact: finance@altiora.club
1. Purpose and Scope
Altiora Finance (“Altiora Finance,” “we,” or “our”) is a division of Altiora, a student-founded organization at the University of California, Santa Cruz (“UCSC”).
Altiora Finance exists solely to:
Provide financial-literacy education, research discussions, and market analysis for learning purposes.
Manage internal budgeting, fundraising records, and reimbursements for Altiora events.
Facilitate simulations, case studies, and paper-trading activities for educational development.
We do not operate as a financial-services business, fund manager, or investment adviser.
We do not make investment decisions, manage assets, or hold any fiduciary responsibility for any participant.
2. Non-Affiliation Notice
Altiora and Altiora Finance are independent, student-run initiatives.
They are not affiliated with, endorsed by, or sponsored by the University of California, Santa Cruz, the Regents of the University of California, or any official university department.
3. Educational Use Only
All content, presentations, spreadsheets, and communications produced by Altiora Finance are provided for educational and informational purposes only.
They are not intended as or to be relied upon for:
Investment, legal, accounting, or tax advice;
A solicitation or offer to buy, sell, or hold any security or digital asset; or
A recommendation tailored to any individual’s circumstances.
Every participant acknowledges and agrees that:
You make your own independent financial and investment decisions;
You assume full risk and responsibility for all outcomes resulting from your personal actions; and
Altiora Finance, its members, and affiliates bear no liability for any losses, damages, or consequences arising from your interpretation or use of our educational material.
4. Member Conduct
By participating in any Altiora Finance activity, you agree to:
Use shared information only for learning or internal club operations;
Respect the confidentiality of any internal financial data or research material;
Avoid presenting Altiora or UCSC as endorsing any investment, product, or service;
Comply with all university, state, and federal laws, including those governing securities and trading.
Any violation of these standards may result in suspension or permanent removal from Altiora Finance programs.
5. Internal Budgeting and Funds
All funds managed by Altiora Finance are Altiora operational funds (e.g., event budgets, merchandise, or approved reimbursements).
Member contributions may not be pooled or used for any investment or trading activity on behalf of others.
All financial transactions must follow Altiora’s internal accounting policies and UCSC student-organization rules.
Altiora Finance does not guarantee or warrant any financial outcome for any project, sponsorship, or event.
6. Disclaimer of Warranties
All services and related materials are provided “AS IS” and “AS AVAILABLE.”
Altiora Finance makes no representations or warranties, express or implied, regarding:
Accuracy, completeness, or timeliness of content;
Reliability, suitability, or availability for any purpose; or
Freedom from errors, interruptions, or omissions.
You acknowledge that all participation and reliance are at your own sole risk.
7. Limitation of Liability and Assumption of Risk
To the fullest extent permitted by law:
Altiora, its founders, members, and volunteers shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from:
Reliance on any information shared by Altiora Finance;
Personal financial, trading, or business decisions made by any participant; or
Errors, omissions, or delays in educational materials.
You agree to indemnify, defend, and hold harmless Altiora, its founders, officers, and members from any and all claims, damages, liabilities, or expenses (including legal fees) arising from your participation, actions, or reliance.
Total cumulative liability, if any, shall not exceed USD $100.
8. Intellectual Property
All materials, analyses, and tools created by Altiora Finance are the intellectual property of Altiora or their respective authors.
Members may use these materials only for personal learning and internal purposes unless written permission is granted.
9. Confidentiality
Certain documents (e.g., internal reports, proposals, or financial drafts) may be designated as confidential.
Members must not distribute, publish, or share such materials externally without written authorization from the Altiora Executive Board.
10. No Financial Accounts or Custody
Altiora Finance does not:
Maintain brokerage, crypto-exchange, or trading accounts for members;
Hold, manage, or transfer member funds; or
Execute or facilitate transactions on behalf of any person.
All financial activities are strictly virtual, educational, or simulated in nature.
11. Termination of Access
Altiora Finance reserves the right to suspend or terminate access to its resources for violations of these Terms or any applicable university, state, or federal policies.
12. Changes to These Terms
Altiora Finance may update these Terms periodically. Revised versions will be dated and posted. Continued participation after an update constitutes full acceptance of the revised Terms.
13. Governing Law
These Terms are governed by the laws of the State of California, without regard to conflict-of-law rules.
Any disputes shall be resolved exclusively in the state or federal courts located in Santa Cruz County, California.
14. Contact
Questions, concerns, or compliance issues:
📧 finance@altiora.club
Altiora Finance — Terms of Service (TOS)
Effective Date: 10/11/2025
Contact: finance@altiora.club
1. Purpose and Scope
Altiora Finance (“Altiora Finance,” “we,” or “our”) is a division of Altiora, a student-founded organization at the University of California, Santa Cruz (“UCSC”).
Altiora Finance exists solely to:
Provide financial-literacy education, research discussions, and market analysis for learning purposes.
Manage internal budgeting, fundraising records, and reimbursements for Altiora events.
Facilitate simulations, case studies, and paper-trading activities for educational development.
We do not operate as a financial-services business, fund manager, or investment adviser.
We do not make investment decisions, manage assets, or hold any fiduciary responsibility for any participant.
2. Non-Affiliation Notice
Altiora and Altiora Finance are independent, student-run initiatives.
They are not affiliated with, endorsed by, or sponsored by the University of California, Santa Cruz, the Regents of the University of California, or any official university department.
3. Educational Use Only
All content, presentations, spreadsheets, and communications produced by Altiora Finance are provided for educational and informational purposes only.
They are not intended as or to be relied upon for:
Investment, legal, accounting, or tax advice;
A solicitation or offer to buy, sell, or hold any security or digital asset; or
A recommendation tailored to any individual’s circumstances.
Every participant acknowledges and agrees that:
You make your own independent financial and investment decisions;
You assume full risk and responsibility for all outcomes resulting from your personal actions; and
Altiora Finance, its members, and affiliates bear no liability for any losses, damages, or consequences arising from your interpretation or use of our educational material.
4. Member Conduct
By participating in any Altiora Finance activity, you agree to:
Use shared information only for learning or internal club operations;
Respect the confidentiality of any internal financial data or research material;
Avoid presenting Altiora or UCSC as endorsing any investment, product, or service;
Comply with all university, state, and federal laws, including those governing securities and trading.
Any violation of these standards may result in suspension or permanent removal from Altiora Finance programs.
5. Internal Budgeting and Funds
All funds managed by Altiora Finance are Altiora operational funds (e.g., event budgets, merchandise, or approved reimbursements).
Member contributions may not be pooled or used for any investment or trading activity on behalf of others.
All financial transactions must follow Altiora’s internal accounting policies and UCSC student-organization rules.
Altiora Finance does not guarantee or warrant any financial outcome for any project, sponsorship, or event.
6. Disclaimer of Warranties
All services and related materials are provided “AS IS” and “AS AVAILABLE.”
Altiora Finance makes no representations or warranties, express or implied, regarding:
Accuracy, completeness, or timeliness of content;
Reliability, suitability, or availability for any purpose; or
Freedom from errors, interruptions, or omissions.
You acknowledge that all participation and reliance are at your own sole risk.
7. Limitation of Liability and Assumption of Risk
To the fullest extent permitted by law:
Altiora, its founders, members, and volunteers shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from:
Reliance on any information shared by Altiora Finance;
Personal financial, trading, or business decisions made by any participant; or
Errors, omissions, or delays in educational materials.
You agree to indemnify, defend, and hold harmless Altiora, its founders, officers, and members from any and all claims, damages, liabilities, or expenses (including legal fees) arising from your participation, actions, or reliance.
Total cumulative liability, if any, shall not exceed USD $100.
8. Intellectual Property
All materials, analyses, and tools created by Altiora Finance are the intellectual property of Altiora or their respective authors.
Members may use these materials only for personal learning and internal purposes unless written permission is granted.
9. Confidentiality
Certain documents (e.g., internal reports, proposals, or financial drafts) may be designated as confidential.
Members must not distribute, publish, or share such materials externally without written authorization from the Altiora Executive Board.
10. No Financial Accounts or Custody
Altiora Finance does not:
Maintain brokerage, crypto-exchange, or trading accounts for members;
Hold, manage, or transfer member funds; or
Execute or facilitate transactions on behalf of any person.
All financial activities are strictly virtual, educational, or simulated in nature.
11. Termination of Access
Altiora Finance reserves the right to suspend or terminate access to its resources for violations of these Terms or any applicable university, state, or federal policies.
12. Changes to These Terms
Altiora Finance may update these Terms periodically. Revised versions will be dated and posted. Continued participation after an update constitutes full acceptance of the revised Terms.
13. Governing Law
These Terms are governed by the laws of the State of California, without regard to conflict-of-law rules.
Any disputes shall be resolved exclusively in the state or federal courts located in Santa Cruz County, California.
14. Contact
Questions, concerns, or compliance issues:
📧 finance@altiora.club
Altiora Finance — Privacy Policy
Effective Date: 10/11/2025
Contact: finance@altiora.club
1. Introduction
Altiora Finance (“Altiora Finance,” “we,” “our,” or “us”) is a division of Altiora, an independent, student-founded organization at the University of California, Santa Cruz (“UCSC”).
We respect your privacy and collect only the information strictly necessary to operate internal budgeting, educational, and administrative activities.
We never sell or rent personal data under any circumstances.
Use of any Altiora Finance platform, form, or communication implies your consent to this Privacy Policy and your acknowledgment that you share information at your own discretion and risk.
2. Non-Affiliation
Altiora and Altiora Finance are independent, student-run initiatives.
They are not affiliated with, endorsed by, or sponsored by the University of California, Santa Cruz, the Regents of the University of California, or any official university department.
3. Information We Collect
We collect minimal, non-sensitive data solely for internal and educational operations:
Basic Usage Data — IP address, browser type, device type, pages visited, and timestamps, used for site security and analytics.
Operational Data — Names, UCSC emails, and limited contact details voluntarily provided through forms (e.g., reimbursements, workshop sign-ups).
Voluntary Information — Feedback, survey responses, or files you intentionally upload.
We do not collect or request sensitive data (e.g., health, religion, race, bank or brokerage account numbers, or government IDs). Any such data submitted unintentionally is deleted upon discovery.
4. How We Use Information
All data is used solely to:
Manage internal budgeting, reimbursements, and club operations;
Coordinate educational workshops, simulations, and events;
Improve Altiora Finance communications and member experience;
Maintain security and compliance with UCSC student-organization requirements;
Respond to inquiries sent to finance@altiora.club.
We do not use data for commercial, marketing, or investment purposes.
5. Sharing of Information
We share limited data only when absolutely necessary:
Service Providers – Such as website hosts or analytics platforms that are contractually required to protect data confidentiality;
Legal Compliance – When disclosure is required by law, regulation, or court order;
University Coordination – When a verified UCSC office requests information to ensure compliance with student-organization policies.
We do not share, sell, or exchange any user data with advertisers, brokers, or marketing entities.
6. Cookies and Analytics
Altiora Finance may use privacy-respecting analytics tools (e.g., Google Analytics, Framer, or Unfurly) to understand aggregate usage trends.
These tools may use cookies or similar technologies to collect anonymous session data such as device type and duration.
You can disable cookies in your browser settings without losing core site functionality.
See Google’s Privacy Policy for additional information on its services.
We do not use tracking cookies for behavioral advertising or profiling.
7. Data Retention
We retain only what is operationally necessary:
Operational Records: Kept as long as needed for accounting, audit, or verification, then securely deleted or anonymized.
Analytics Logs: Retained per provider defaults (typically ≤ 14 months).
Emails: Retained in the finance@altiora.club inbox until the inquiry is resolved or archived for continuity.
You may request deletion of your data by contacting us directly.
8. Your Rights and Responsibilities
Depending on your jurisdiction, you may have the right to:
Access, correct, or delete personal information held about you;
Opt out of analytics tracking (where required, a cookie-consent banner will be provided);
File a privacy complaint with a regulatory authority.
All requests should be sent to finance@altiora.club.
By submitting information, you acknowledge that Altiora Finance is a student-run, non-commercial educational initiative and that you are responsible for the accuracy and appropriateness of any data you provide.
9. Security
We apply industry-standard safeguards such as secure log-ins, access limitations, and encrypted storage where feasible.
However, no system is entirely secure.
By using our services, you agree that Altiora Finance is not liable for any unauthorized access, interception, or data breach beyond reasonable preventive measures.
Avoid submitting confidential financial-account data or sensitive personal information through public forms or email.
10. Minors
Altiora Finance content is intended for university students aged 13 and older.
We do not knowingly collect data from individuals under 13.
Any such data identified will be promptly deleted.
11. Third-Party Links
Our platforms may link to third-party educational or financial websites.
Altiora Finance is not responsible for the privacy practices or content of these external sites.
We encourage users to review each third party’s privacy policy before engaging.
12. Limitation of Liability and Assumption of Risk
By interacting with Altiora Finance, you acknowledge that:
You share information voluntarily and at your own risk;
Altiora Finance provides all tools and communications on an “AS IS” basis;
Altiora, its founders, and members are not liable for any direct, indirect, incidental, or consequential damages arising from data use, disclosure, or loss;
You agree to indemnify and hold harmless Altiora, its members, and affiliates from any claims resulting from your submission or use of information.
Total cumulative liability, if any, shall not exceed USD $100.
13. Changes to This Policy
We may revise this Privacy Policy periodically.
Updated versions will be dated and posted publicly. Continued use after publication constitutes acceptance of the revised version.
14. Contact
For all privacy, data-access, or compliance inquiries:
📧 finance@altiora.club
Altiora Finance — Privacy Policy
Effective Date: 10/11/2025
Contact: finance@altiora.club
1. Introduction
Altiora Finance (“Altiora Finance,” “we,” “our,” or “us”) is a division of Altiora, an independent, student-founded organization at the University of California, Santa Cruz (“UCSC”).
We respect your privacy and collect only the information strictly necessary to operate internal budgeting, educational, and administrative activities.
We never sell or rent personal data under any circumstances.
Use of any Altiora Finance platform, form, or communication implies your consent to this Privacy Policy and your acknowledgment that you share information at your own discretion and risk.
2. Non-Affiliation
Altiora and Altiora Finance are independent, student-run initiatives.
They are not affiliated with, endorsed by, or sponsored by the University of California, Santa Cruz, the Regents of the University of California, or any official university department.
3. Information We Collect
We collect minimal, non-sensitive data solely for internal and educational operations:
Basic Usage Data — IP address, browser type, device type, pages visited, and timestamps, used for site security and analytics.
Operational Data — Names, UCSC emails, and limited contact details voluntarily provided through forms (e.g., reimbursements, workshop sign-ups).
Voluntary Information — Feedback, survey responses, or files you intentionally upload.
We do not collect or request sensitive data (e.g., health, religion, race, bank or brokerage account numbers, or government IDs). Any such data submitted unintentionally is deleted upon discovery.
4. How We Use Information
All data is used solely to:
Manage internal budgeting, reimbursements, and club operations;
Coordinate educational workshops, simulations, and events;
Improve Altiora Finance communications and member experience;
Maintain security and compliance with UCSC student-organization requirements;
Respond to inquiries sent to finance@altiora.club.
We do not use data for commercial, marketing, or investment purposes.
5. Sharing of Information
We share limited data only when absolutely necessary:
Service Providers – Such as website hosts or analytics platforms that are contractually required to protect data confidentiality;
Legal Compliance – When disclosure is required by law, regulation, or court order;
University Coordination – When a verified UCSC office requests information to ensure compliance with student-organization policies.
We do not share, sell, or exchange any user data with advertisers, brokers, or marketing entities.
6. Cookies and Analytics
Altiora Finance may use privacy-respecting analytics tools (e.g., Google Analytics, Framer, or Unfurly) to understand aggregate usage trends.
These tools may use cookies or similar technologies to collect anonymous session data such as device type and duration.
You can disable cookies in your browser settings without losing core site functionality.
See Google’s Privacy Policy for additional information on its services.
We do not use tracking cookies for behavioral advertising or profiling.
7. Data Retention
We retain only what is operationally necessary:
Operational Records: Kept as long as needed for accounting, audit, or verification, then securely deleted or anonymized.
Analytics Logs: Retained per provider defaults (typically ≤ 14 months).
Emails: Retained in the finance@altiora.club inbox until the inquiry is resolved or archived for continuity.
You may request deletion of your data by contacting us directly.
8. Your Rights and Responsibilities
Depending on your jurisdiction, you may have the right to:
Access, correct, or delete personal information held about you;
Opt out of analytics tracking (where required, a cookie-consent banner will be provided);
File a privacy complaint with a regulatory authority.
All requests should be sent to finance@altiora.club.
By submitting information, you acknowledge that Altiora Finance is a student-run, non-commercial educational initiative and that you are responsible for the accuracy and appropriateness of any data you provide.
9. Security
We apply industry-standard safeguards such as secure log-ins, access limitations, and encrypted storage where feasible.
However, no system is entirely secure.
By using our services, you agree that Altiora Finance is not liable for any unauthorized access, interception, or data breach beyond reasonable preventive measures.
Avoid submitting confidential financial-account data or sensitive personal information through public forms or email.
10. Minors
Altiora Finance content is intended for university students aged 13 and older.
We do not knowingly collect data from individuals under 13.
Any such data identified will be promptly deleted.
11. Third-Party Links
Our platforms may link to third-party educational or financial websites.
Altiora Finance is not responsible for the privacy practices or content of these external sites.
We encourage users to review each third party’s privacy policy before engaging.
12. Limitation of Liability and Assumption of Risk
By interacting with Altiora Finance, you acknowledge that:
You share information voluntarily and at your own risk;
Altiora Finance provides all tools and communications on an “AS IS” basis;
Altiora, its founders, and members are not liable for any direct, indirect, incidental, or consequential damages arising from data use, disclosure, or loss;
You agree to indemnify and hold harmless Altiora, its members, and affiliates from any claims resulting from your submission or use of information.
Total cumulative liability, if any, shall not exceed USD $100.
13. Changes to This Policy
We may revise this Privacy Policy periodically.
Updated versions will be dated and posted publicly. Continued use after publication constitutes acceptance of the revised version.
14. Contact
For all privacy, data-access, or compliance inquiries:
📧 finance@altiora.club