This website uses cookies
Read our Privacy policy and Terms of use for more information.
Legal
1.1 The Crossover is published by Wowise (WOWISE - FZCO), a free zone company incorporated in Dubai Silicon Oasis, Dubai, United Arab Emirates. In these terms, "Wowise", "we", "us" and "our" mean that company, and "you" means the person using the service.
1.2 These Terms of Service (these "terms") govern your use of the website at thecrossover.io (the "website"), the free newsletter The Crossover, the paid subscription The Crossover Pro, and any related features we provide (together, the "service"). The service includes the newsletters, the website, and any feeds, audio versions or other distribution channels we provide.
1.3 By visiting the website, subscribing to The Crossover, or purchasing The Crossover Pro, you accept these terms and agree to be bound by them. If you do not agree to these terms, do not use the website and do not subscribe.
1.4 Two further documents form part of these terms and are incorporated into them by reference: the Subscription, Billing and Refund Policy at thecrossover.io/billing and the Financial Content Disclaimer at thecrossover.io/disclaimer. Our Privacy Policy at thecrossover.io/privacy and Cookie Notice at thecrossover.io/cookies explain how we handle personal data and cookies; please read them as well.
2.1 The Crossover is a free email newsletter about crypto and macro markets, currently published Monday to Friday. The Crossover Pro is a paid subscription that adds further editions and sections, currently published on Tuesday and Friday. Publication days, timing, format and section line-up may change as the products evolve.
2.2 We may add, change, suspend or withdraw features of the service, including the content, structure and publishing schedule of either newsletter. Where a change would materially reduce what paid subscribers receive under The Crossover Pro, we will give at least 30 days' notice by email, and your cancellation and refund rights under the Subscription, Billing and Refund Policy apply.
2.3 We may also suspend the service temporarily for maintenance, security or technical reasons. We will keep any such interruption as short as we reasonably can.
3.1 You must be at least 18 years old to use the service. By using it, you confirm that you are 18 or over and have the legal capacity to enter into these terms.
3.2 You are responsible for ensuring that your use of the service is lawful where you live. The service is directed at a general global audience and is not intended for use in any jurisdiction where it, or any part of its content, would be unlawful. If that applies to you, you must not use the service.
3.3 You confirm that you are not subject to sanctions or on any sanctions list that would prohibit us from providing the service to you. We may refuse, suspend or end service where sanctions laws require.
4.1 Subscriptions and accounts are managed on the Beehiiv platform, which uses your email address and magic-link or account login rather than a traditional password. You agree to provide accurate information (including a valid email address that you control) and to keep it up to date. Because access to the service relies on your email account, you must keep access to that email account and to any login method secure.
4.2 We may treat activity on your subscription or account as yours unless and until you tell us your email or account has been compromised. Tell us as soon as you reasonably can at [email protected].
4.3 A subscription to The Crossover Pro is personal to you. One subscription is for one person. You must not share your login, magic links or paid access with others, and you must not use a single subscription to supply Pro content to a group, team, company or distribution list. If you would like multi-reader or corporate access, contact us and we will discuss terms.
4.4 If you believe someone else is using your subscription or account without permission, contact us at [email protected] as soon as you can.
5.1 The Crossover Pro is a paid, automatically renewing subscription. The price is the price displayed at checkout at the time you subscribe.
5.2 Auto-renewal, billing cycles, cancellation, refunds, cooling-off rights, price changes and what happens to your access when a subscription ends are all governed by the Subscription, Billing and Refund Policy at thecrossover.io/billing, which is incorporated into these terms. Please read it before you subscribe.
5.3 Payments are processed by Stripe through Beehiiv checkout. We do not receive or store your full card details.
6.1 All content in the service, including newsletter editions, articles, commentary, graphics, images, data compilations, and the selection and arrangement of all of these, is owned by Wowise or licensed to us, and is protected by copyright and other intellectual property laws.
6.2 We grant you a personal, non-exclusive, non-transferable, revocable license to access and read the content for your own personal, non-commercial use. This license ends when your access to the service ends or these terms terminate. We remain the owner of the content; nothing in these terms transfers any intellectual property rights to you.
6.3 Subject to sections 6.4 and 6.5, you must not redistribute, republish, resell, syndicate or systematically copy any content from the service without our prior written consent. In particular, you must not forward, post, share or otherwise make available The Crossover Pro content (in whole or substantial part) to anyone who is not a Pro subscriber.
6.4 We want free editions of The Crossover to travel. You are welcome to forward complete free editions of The Crossover to individuals in their original form, to share free editions using the sharing and referral links we provide, and to encourage others to subscribe, provided doing so is lawful where the recipient is. This does not extend to The Crossover Pro content, or to systematic or commercial redistribution.
6.5 You may quote brief extracts of our content for commentary, criticism or review, provided you attribute The Crossover as the source and, where you quote online, include a link to thecrossover.io. This permission does not extend to reproducing full editions or substantial sections.
6.6 "The Crossover" and "The Crossover Pro" names and logos are our trade marks. You must not use them without our prior written consent, except to accurately refer to the service.
6.7 We expressly reserve all rights in the content of the service for the purposes of Article 4(3) of Directive (EU) 2019/790 and any equivalent law in any jurisdiction. Text and data mining, scraping, and any use of content from the service to train, fine-tune or develop machine-learning or artificial-intelligence models or systems are prohibited without our prior written consent.
6.8 If you believe content on the service infringes your rights, email [email protected] with details of the work, the location of the material, and your contact details. We will review complaints and remove material where appropriate, and we may end the access of repeat infringers.
7.1 You must not use the service for any unlawful purpose or in breach of any applicable law or regulation.
7.2 You must not, without our prior written consent:
(a) scrape, crawl, harvest or otherwise extract content or data from the service by automated means, or access the service using bots, scripts or other automated tools; or
(b) use any content from the service to train, fine-tune, benchmark or otherwise develop any machine-learning or artificial-intelligence model or system.
7.3 You must not in any circumstances:
(a) circumvent, disable or interfere with the paywall or any other access control, or attempt to access The Crossover Pro content without a valid paid subscription;
(b) interfere with the proper working of the service, including by introducing malicious code, overloading our infrastructure, or probing or testing its security;
(c) frame, mirror or embed the website or its content within another site or product; or
(d) misrepresent your affiliation with us, or use the service to send spam or unsolicited communications.
7.4 If you breach this section 7, we may suspend or terminate your access under section 14, and we reserve all other rights and remedies available to us.
8.1 The service may invite contributions from you, for example survey and poll responses, comments, testimonials, replies to our emails and submissions through forms on the website (together, "your content").
8.2 You retain ownership of your content. You grant us a perpetual, irrevocable, worldwide, royalty-free, fully sublicensable and transferable license to use, reproduce, store, host, adapt, modify, edit, translate, excerpt, combine with other material, create derivative works from, publish, display and distribute your content, in whole or in part, in any media now known or developed later, for any purpose connected with the service or our business, including marketing, advertising and promotion. We may exercise this license without attributing you, without notifying you, and without any payment or other obligation to you. We are under no obligation to publish, to retain or to continue publishing any of your content. To the fullest extent permitted by law, you waive, and agree not to assert, any moral rights in your content. This license survives the end of your subscription and the termination of these terms, and we may continue to use content we have already published or already incorporated into our materials. We will only publish survey or poll responses in aggregated or anonymized form.
8.3 We will only publish a testimonial attributed to you with your consent. That consent must be given expressly and specifically for that use, and it is never implied. In particular, sending us a message, replying to one of our emails, completing a survey or poll, leaving a comment, or posting about us publicly is not consent to be quoted as a testimonial. You may withdraw your consent for future use at any time by contacting us, and we will stop using the testimonial in new material within a reasonable period, although we are not required to recall, amend or remove material we have already published or distributed. We will not publish or use any testimonial or reader content that describes investment returns, trading results or financial outcomes, or that presents our publications as advice.
8.4 Questions or comments you send us, including through any reader question feature, may be answered, if at all, editorially and for the general readership. We do not provide individual responses about your personal circumstances, portfolio or prospective transactions.
8.5 Suggestions, ideas and other feedback about the service may be used by us freely and without obligation or payment to you.
8.6 You warrant that your content is your own, that it is lawful, and that it does not infringe anyone else's rights. You must not submit content that is defamatory, misleading, obscene, or that contains confidential or price-sensitive information you are not free to share. We may decline to publish, or may remove, any of your content at our discretion.
9.1 The service is delivered using third-party providers, including Beehiiv (website, email delivery and subscription management) and Stripe (payment processing). Your use of those providers' services is also subject to their own terms and policies.
9.2 The service may contain links to third-party websites, products or services. These are provided for convenience only. We do not control them, we do not endorse them, and we are not responsible for their content, availability, security or practices. Your dealings with any third party are between you and that third party.
10.1 The Crossover and The Crossover Pro are publications. Everything we publish is provided for information and education only. It is general commentary on markets and is not financial, investment, legal, tax or other professional advice.
10.2 Nothing in the service is an offer, solicitation or invitation to buy, sell or hold any cryptoasset, security, financial instrument or other product, and nothing in it is a personal recommendation to you. We do not know your circumstances, and our content is not tailored to them.
10.3 Crypto and other markets carry significant risk, including the risk of losing everything you put in. Any decision you make, and any result of that decision, is yours alone. If you are unsure, take advice from a professional adviser who is authorized where you live.
10.4 The full Financial Content Disclaimer at thecrossover.io/disclaimer is incorporated into these terms and forms part of them. Nothing we publish should be relied on as advice. You must read the Financial Content Disclaimer before acting on anything we publish.
11.1 The service is provided "as is" and "as available", to the fullest extent permitted by applicable law. We do not promise that the service will be uninterrupted, timely, secure or error-free, that content will be accurate, complete or current, or that the service will be fit for any particular purpose.
11.2 Email delivery depends on systems outside our control, including your email provider and spam filtering. We do not guarantee that any edition will reach your inbox or arrive at a particular time.
11.3 Nothing in this section 11 limits the rights preserved by section 12.4.
11.4 If you are a consumer, nothing in this section 11 excludes the standards that apply to digital content and services under the law of your country, including that content and services are as described and provided with reasonable care and skill.
12.1 Our total aggregate liability to you arising out of or in connection with the service and these terms, whether in contract, tort (including negligence) or otherwise, is limited to the greater of: (a) the amounts you paid us for the service in the 12 months before the event giving rise to the claim; and (b) USD 100.
12.2 We are not liable for any indirect or consequential loss, loss of profit, loss of revenue, loss of opportunity, or loss of data.
12.3 We are not liable for any trading or investment losses, or any other loss you suffer from decisions you make in reliance on content published in the service. Section 10 applies to all content.
12.4 Nothing in these terms excludes or limits any liability that cannot be excluded or limited under applicable law, including liability for fraud or fraudulent misrepresentation, or for death or personal injury caused by negligence. Nothing in these terms affects any statutory rights you have as a consumer that cannot be waived or limited by contract.
13.1 You agree to indemnify us against losses, damages and reasonable costs (including reasonable legal fees) that we incur as a result of a claim brought against us by a third party arising from your breach of these terms or your unlawful use of the service. This indemnity does not apply to the extent a loss is caused by our own breach or negligence.
13.2 This section 13 does not apply to you if you are a consumer.
14.1 We may suspend or terminate your access to all or part of the service if you materially breach these terms, if we reasonably suspect fraud or misuse (including credential sharing or paywall circumvention), or if we are required to do so by law. Where practical, we will tell you why.
14.2 If we terminate a paid subscription for your breach, or if you cancel, the effect on your paid access and any refund is governed by the Subscription, Billing and Refund Policy at thecrossover.io/billing.
14.3 You may stop using the service at any time. You can unsubscribe from any newsletter using the unsubscribe link in every email, and you can cancel The Crossover Pro as described in the Subscription, Billing and Refund Policy.
14.4 The following survive termination: section 6 (other than the license granted in section 6.2, which ends when these terms terminate), section 7, sections 8 to 13, and sections 18 and 19, together with any other provision which by its nature should survive.
15.1 We may run competitions, prize draws and promotions from time to time. Each is governed by its own Official Rules, currently published at thecrossover.io/competition-terms---conditions. If there is any conflict between these terms and the Official Rules for a competition, the Official Rules apply to that competition.
15.2 We are under no obligation to run any competition, prize draw or promotion, and running one does not commit us to running another. We may amend the rules of, suspend, extend, shorten or cancel any competition, prize draw or promotion at any time, including after entries have opened, where we consider it necessary or appropriate, for example because of abuse, technical failure, insufficient entries, or a change in law.
15.3 Entry gives you no right to a prize. Prizes are subject to availability, are personal to the winner, are not transferable or exchangeable, and carry no cash alternative unless we say otherwise. We may substitute any prize with one of equal or greater value. You are responsible for any tax, duty or other charge arising from a prize, and for any cost of claiming or using it.
15.4 We may disqualify any entrant, withhold or reclaim any prize, and end an entrant's access to the service, where we reasonably consider there has been cheating, fraud, automated or bulk entry, multiple or fake accounts, manipulated or fake referrals, or any other abuse of a competition or promotion. Our determination on eligibility, on the validity of an entry and on the award of a prize is final, save for any right you have that cannot be excluded by law.
15.5 Any referral or rewards program we run has its own rules, and participation in it is at our discretion. We may vary, suspend or withdraw a program, and change or withdraw the rewards it offers, at any time. Self-referral, fake accounts, automated sign-ups or other abuse may lead to the loss of rewards already credited, and to removal from the program and from the service.
16.1 We may grant complimentary, discounted or promotional access to The Crossover Pro or to other features, to anyone we choose, on any terms we choose, and we may withdraw it at any time. Complimentary or promotional access creates no billing relationship, carries no entitlement to any refund, credit or continued access, and may be subject to additional conditions we notify at the time.
16.2 Pricing and promotional offers may differ between subscribers, and may vary by time, channel, market and campaign. The fact that we have granted complimentary, discounted or promotional access to any other person, or have offered anyone else a lower price or a better promotion at any time, does not reduce the value or standing of your paid subscription and gives you no right to a matching price, a discount, a refund, a credit, an extension or any other adjustment. We are under no obligation to extend any offer to you, and no offer we make creates any expectation of a further or continuing offer.
17.1 We may update these terms from time to time. Minor changes (for example clarifications, corrections, or changes that do not reduce your rights) take effect when we post the updated terms on the website.
17.2 If we make a material change to these terms that adversely affects you, we will notify you by email at least 30 days before it takes effect. If you are a paid subscriber, you will also have the right to cancel your subscription before the change applies to you. Cancellation takes effect at the end of your current paid period, and no refund of that period is due unless the Subscription, Billing and Refund Policy or the law provides one. If you continue to use the service after the change takes effect, following that notice, you accept the updated terms.
17.3 If you continue to use the service after a change takes effect, you accept the updated terms; in the case of a material change that adversely affects you, this applies only after we have given the notice described in section 17.2. If you do not accept the updated terms, you must stop using the service.
18.1 These terms, and any dispute or claim arising out of or in connection with them or the service, are governed by the laws of the Emirate of Dubai and the applicable federal laws of the United Arab Emirates.
18.2 The courts of Dubai have non-exclusive jurisdiction over any such dispute or claim.
18.3 If you are a consumer, nothing in this section 18 deprives you of the protection of any mandatory provisions of the law of the country in which you habitually reside, or of any right you have under that law to bring proceedings in the courts of that country. If you are a consumer, we will only bring proceedings against you in the courts of the country where you habitually reside.
18.4 If you have a problem, please contact us first at [email protected]. Most issues can be resolved quickly and informally, and we would much rather fix a problem than argue about it.
19.1 These terms, together with the policies incorporated into them (the Subscription, Billing and Refund Policy, the Financial Content Disclaimer, and any applicable Official Rules), are the entire agreement between you and us about the service, and replace any earlier understanding about it.
19.2 If any provision of these terms is found to be invalid or unenforceable, it will be modified to the minimum extent necessary to make it enforceable or, if that is not possible, removed, and the rest of these terms will continue in full force.
19.3 If we do not enforce a right under these terms, that is not a waiver of it, and it does not prevent us enforcing it later.
19.4 We may assign or transfer our rights and obligations under these terms to an affiliate or to a successor in connection with a merger, acquisition, reorganization or sale of the business, provided your rights are not reduced as a result. You may not assign or transfer your rights or obligations under these terms.
19.5 We may give you notices by email to the address on your subscription, or by posting on the website. You may give us notices by email to the contact address in section 20. Please keep your email address up to date. A notice we send to your subscribed email address is treated as received 24 hours after we send it, unless we receive a delivery failure, in which case we will attempt to notify you again before any change that depends on the notice takes effect.
19.6 Except as expressly stated in these terms, no one other than you and us has any right to enforce any of these terms.
19.7 Neither of us is liable for delay or failure caused by events outside reasonable control, including failure of third-party platforms, payment networks or communications infrastructure. If such an event prevents us from supplying The Crossover Pro for more than 30 consecutive days, you may cancel and receive a pro-rata refund for the unused period under the Subscription, Billing and Refund Policy. Nothing in this section excuses an obligation to pay amounts properly due.
20.1 Questions about these terms, the service or your subscription: [email protected].
20.2 Publisher: Wowise (WOWISE - FZCO), Dubai Silicon Oasis, Dubai, United Arab Emirates.