These are the terms of use for calmhqstudio.com and the studio's freely-published content (the journal, free resources, suggestion form, etc.). By using the site, you agree to them. They're written in plain English on purpose — if anything's unclear, ask.
Standalone products like the Verge iOS app have their own terms, linked from inside the app.
The basics
- The studio is operated by a UK-based sole trader.
- This website and its journal posts are published for general
information. They are not financial, legal, medical, or professional advice. Nothing here should be acted on as the sole basis for any decision involving money, health, or trading.
- The studio writes about trading, financial literacy, and behaviour
honestly — including from personal experience. That experience is shared as story, not as instruction.
What you can do
You're welcome to:
- Read, link to, and share anything published on the site.
- Quote from journal posts with attribution (a link back to the original is appreciated).
- Print or save posts for personal reference.
What you shouldn't do
Please don't:
- Republish entire posts, scrape the site, or train models on its content without permission.
- Misrepresent the studio's positions, especially when discussing financial topics.
- Submit spam through the contact, suggestion, or newsletter forms.
- Attempt to attack, probe, or interfere with the site's services.
Disclaimers
- The site is provided "as is", without warranties of any kind. The
studio works hard to keep things accurate and online, but cannot guarantee either at all times.
- The studio is not liable for any decisions made based on content
read here, including financial or trading decisions. The work is meant to inform thinking, not replace your own judgment or professional advice.
Third-party links
The site links to external resources (donation providers, apps, research). The studio doesn't control those sites and isn't responsible for their content or practices. Visit at your own discretion.
Intellectual property
All original content — copy, design, code, illustrations — is © CalmHQ Studio unless otherwise stated. Some elements (icons, fonts) are used under their respective open-source or commercial licences.
If you want to use something specific in a way the section above doesn't cover, email hello@calmhqstudio.com. The studio is friendly about reasonable requests.
Donations
Donations made through the Support page are personal contributions to support the studio's work. They are not payment for goods or services, not tax-deductible, and confer no equity, ownership, or commercial obligation either way.
Changes
These terms can be updated. The "last updated" date at the top reflects the most recent change. Continued use of the site after a change means you accept the updated terms.
Governing law
These terms are governed by the laws of England and Wales. Disputes that can't be settled by a friendly email are subject to the exclusive jurisdiction of the English courts.
Contact
Anything ambiguous, anything disputed, anything else: hello@calmhqstudio.com.