This website uses cookies
Read our Privacy policy and Terms of use for more information.
Effective date: 15 April 2026 | Last updated: 15 April 2026 Please read these Terms of Service carefully before subscribing to or using Corporate Financier's Notes. By accessing our newsletter or purchasing a paid subscription, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, please do not subscribe or use our services.
Murinus Advisers SIA (registered in Latvia, registration number 40103668844, VAT number LV40103668844) with registered address at "Doktorats", Pales pag., Limbazu nov., Latvia operates the newsletter publication known as Corporate Financier's Notes ("the Newsletter", "the Service").Contact: [email protected] | "Doktorats", Pales pag., Limbazu nov., LV-4052, Latvia
"Newsletter" means Corporate Financier's Notes, including all free and paid content published via beehiiv. "Free Subscription" means access to our newsletter at no charge, as made available from time to time. "Paid Subscription" means a recurring paid plan granting access to premium content and features, as described on our pricing page. "Content" means all editorial, analytical, and informational material published in the Newsletter. "Subscriber" means any individual who has signed up to receive the Newsletter, whether on a free or paid basis. "Platform" means the beehiiv newsletter platform through which the Service is delivered.
By subscribing to the Newsletter, you represent and warrant that you are at least 18 years of age, you have the legal capacity to enter into a binding contract, you are not prohibited from receiving services of this nature under any applicable law, and if subscribing on behalf of a company or other legal entity, you have authority to bind that entity to these Terms.
Free subscriptions are available to anyone who registers with a valid email address. We reserve the right to modify, suspend, or discontinue free access at any time without prior notice. Free subscribers have no entitlement to any specific frequency or volume of content.
5.1 Subscription Tiers and Pricing: We offer one or more paid subscription tiers, as described on our pricing page at the time of purchase. Prices are displayed inclusive of applicable VAT where required by EU law. We reserve the right to change prices with reasonable prior notice (at least 30 days for existing subscribers).5.2 Billing and Payment: Paid subscriptions are billed on a recurring basis (monthly or annual, as selected at checkout). Payments are processed by Stripe Inc. on our behalf. By providing your payment details, you authorise Stripe to charge your chosen payment method on each billing date. Failed payments may result in suspension or cancellation of your subscription.5.3 Automatic Renewal: Your subscription will automatically renew at the end of each billing period unless you cancel before the renewal date. We will send you a reminder notice at least 14 days before any annual renewal.5.4 Right of Withdrawal (EU Consumer Right): If you are a consumer within the EU, you have the right to withdraw from your paid subscription contract within 14 days of conclusion without giving any reason. To exercise this right, notify us by email to [email protected] within 14 days. WAIVER: If you request immediate access to digital content before the 14-day withdrawal period expires, you acknowledge that you lose your right of withdrawal once delivery has commenced. If you withdraw before accessing any content, you will receive a full refund within 14 days.5.5 Cancellation: You may cancel your paid subscription at any time through your account settings. Cancellation takes effect at the end of the current billing period. We do not offer pro-rated refunds for partial billing periods, except where required by applicable law. If you encounter any difficulty cancelling, contact us at [email protected].5.6 Refunds: Outside of the statutory withdrawal period, we do not routinely offer refunds. Exceptions may be made at our discretion in cases of documented technical failure on our part that prevented access to paid content for a material period.
6.1 Ownership: All content published in the Newsletter is the intellectual property of Murinus Advisers SIA or its licensors and is protected by copyright law. You may not reproduce, distribute, republish, or create derivative works from our Content without our prior written consent.6.2 Permitted Use: We grant you a personal, non-exclusive, non-transferable, revocable licence to access and read the Content for your own personal or internal business use. This licence does not include the right to share paid subscription credentials with third parties, republish or redistribute any Content, scrape or systematically download Content, or use Content for training artificial intelligence or machine learning models.6.3 Not Financial Advice: The Content is provided for informational and educational purposes only. Nothing in the Newsletter constitutes financial, investment, tax, legal, or professional advice. Always seek advice from a qualified professional before making financial decisions. We are not regulated by any financial authority and do not provide regulated financial services.
By using the Service, you agree not to use the Service for any unlawful purpose, attempt to gain unauthorised access to any part of the Service, transmit spam or harmful content, impersonate us or any other person, or use automated means to access the Service in any way not expressly permitted.
The Service is operated using the beehiiv platform and Stripe payment processing. These third-party providers have their own terms of service and privacy policies which govern their processing activities. We are not responsible for the acts or omissions of these providers.
We aim to deliver the Newsletter on a consistent schedule but do not guarantee any specific publication frequency. We reserve the right to modify, suspend, or discontinue the Service at any time. In the event of permanent discontinuation of a paid tier, we will provide reasonable notice and a pro-rated refund for the unused portion of any prepaid subscription.
To the fullest extent permitted by applicable law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of the Service. Our total aggregate liability shall not exceed the total amount paid by you in the 12 months preceding the claim. We do not exclude liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded under applicable EU or Latvian law. Note: EU consumer protection law may grant you rights that cannot be limited or excluded by contract. These Terms do not affect those statutory rights.
You agree to indemnify and hold harmless Murinus Advisers SIA and its officers, directors, employees, and agents from any claims, losses, or damages (including reasonable legal fees) arising from your breach of these Terms or your misuse of the Service.
These Terms are governed by the laws of the Republic of Latvia, without prejudice to any mandatory consumer protection rights you may enjoy under the law of your country of habitual residence within the EU. Disputes shall be subject to the exclusive jurisdiction of the courts of Riga, Latvia, provided that EU consumers may also bring proceedings in the courts of their country of habitual residence. The European Commission provides an online dispute resolution platform at https://ec.europa.eu/consumers/odr which you may use to resolve disputes with traders established in the EU.
We may update these Terms from time to time. We will notify you of material changes by email at least 30 days before the new Terms take effect. Continued use of the Service after that date constitutes acceptance of the updated Terms. If you do not agree to the revised Terms, you may cancel your subscription before the effective date.
Entire Agreement: These Terms constitute the entire agreement between you and us regarding the Service and supersede all prior agreements or understandings. Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force. Waiver: Failure to enforce any provision of these Terms shall not constitute a waiver of our right to enforce it in the future. Assignment: You may not assign your rights under these Terms. We may assign our rights in connection with a merger, acquisition, or sale of assets. Language: These Terms are provided in English. Where required by Latvian law for local consumers, a Latvian translation will be made available upon request.
For questions about these Terms, please contact:Murinus Advisers SIA, Email: [email protected] Address: "Doktorats", Pales pag., Limbazu nov., LV-4052, Latvia Registration No: 40103668844