The following terms and conditions (“Terms”), which include and hereby incorporate the Privacy Policy (“Privacy Policy”), govern the relationship between Northstar Navigators, a company registered at 12 Kaitake Place, Oakura, 4314, New Zealand, and having a company number 7347816, and its related companies and affiliates (the “Company,” “us,” “our,” or “we“) and you (“you” or “your”).

By using or accessing our website located at www.christof.love (the “Site“), and the contents, forums, and other services provided therein (the “Service”), the users of the Service, including you, (the “User(s)”) agree (i) that you are at least 18 years of age and the minimum age of digital consent in your country, (ii) if you are the age of majority in your jurisdiction or over, that you have read, understood, and accept to be bound by the Terms, and (iii) if you are below the minimum age of digital consent in your jurisdiction, that your legal guardian has reviewed and agrees to these Terms, (iv) that you have read, understood, and accept to be bound by the Terms.

The Company reserves the right to update these Terms, which we may do for reasons that include, but are not limited to, complying with changes to the law or reflecting enhancements to the Site. If the changes affect your usage of the Site, we will endeavor to notify you no less than seven (7) days before the changes take effect. Unless we state otherwise, your continued use of the Site and Service after we post modifications will constitute your acceptance of, and agreement to, those changes. If you object to the changes, your sole recourse shall be to cease using the Site and the Service.

Rights to use the Service
The Service provides a chat, a social platform, and audiovisual content intended to share knowledge on financial investments. The Site does not provide financial or tax advice, financial services, or investments, and Users may not provide the same. The Service may allow you to participate in public and private chat rooms and to utilize messaging features to communicate with other Users of the Service. The Service may also allow you to access certain software and/or other content that is available to purchase from the Company. Subject to your compliance with these Terms, the Company grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to use and access the Service. You agree not to (and not to attempt to) (i) use the Service for any use or purpose other than as expressly permitted by these Terms; (ii) copy, adapt, modify, prepare derivative works based upon, distribute, license, sell, transfer, publicly display, publicly perform, transmit, stream, broadcast, attempt to discover any source code, reverse engineer, decompile, disassemble, or otherwise exploit the Service or any portion of the Service, except as expressly permitted in these Terms; or (iii) use data mining, robots, spiders, or similar data gathering and extraction tools on the Service. No licenses or rights are granted to you by implication or otherwise in respect of any intellectual property rights owned or controlled by the Company or its licensors, except for the permissions and rights expressly granted in these Terms.

The Company reserves the right to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. The Company reserves the right to refuse any User access to the Service without notice for any reason, including but not limited to a violation of the Terms. If you violate these Terms, the Company reserves the right in its sole discretion to issue you a warning regarding the violation or immediately terminate or suspend any or all Accounts (as defined below) you have created using the Service. You agree that the Company does not need to provide you notice before terminating or suspending your Account(s), but it may do so at its discretion.

Your Account
You are responsible for your log-in credentials and for any activity resulting from the use of your log-in credentials or other activity on your account (“Account”) on the Site. Upon launching the Service, if you do not already have an Account, you will be prompted to create one by providing a username and in some cases a password. You may also be required to provide a valid email address or other information to access or utilize certain applications or features. You represent and warrant that the information you provide to us upon registration and at all other times will be true, accurate, current, and complete. We reserve the right to reject any username or to terminate your username or prevent the use of a username at our sole discretion, and without any liability to us. You understand and agree that other Users of the Service may have the same username as you, however, Users will be differentiated by a number identifier that may or may not be visible to you or other Users. You will ensure that your e-mail address is kept accurate and up-to-date at all times. You shall be responsible for maintaining the confidentiality of your log-in credentials and be fully responsible for all activities that occur through the use of your credentials or otherwise on your Account. You agree to notify us immediately in writing if you believe the confidentiality of your log-in credentials has been compromised or if you suspect unauthorized use of your Account. You agree that we will not be liable for any loss or damage howsoever arising from misuse or unauthorized use of your credentials.

You agree to receive communications from us electronically, such as email, text, or mobile push notices, or notices and messages on the Service. For any direct marketing messages, we will ensure that we obtain your consent first (whether specifically or general consent), and we will also make it easy for you to opt-out.

By using the Service or providing information to us, you agree that we may communicate with you electronically regarding security, privacy, and administrative issues relating to your use of the Service and that all agreements, notices, disclosures, and other communications that the Company provides to you electronically satisfy any legal requirements that such communications be in writing.

You may use the Service to send messages to other Users of the Service from time to time in accordance with the Terms. You agree that your use of the Service will not include (and you are prohibited from) sending unsolicited marketing and/or advertising messages, spam or broadcasts. We may utilize a variety of means to block spammers and abusers from using the Service. If you believe spam originated from the Service, please email us immediately at support@christof.love.

Intellectual property rights
All rights, title, and interest in and to all materials that are part of the Service (including, but not limited to, designs, text, graphics, pictures, video, information, applications, software, music, sound and other files, and their selection and arrangement), except for User Content (as defined below), collectively referred to as the “Service Materials,” are, as between the Company and you, owned by the Company and/or its third-party licensors. You acknowledge and agree that you shall not acquire any ownership and/or other rights whatsoever by playing or downloading, if applicable, Service Materials. You agree that you shall not modify, copy, distribute, frame, reproduce, republish, download, scrape, display, post, transmit, or sell in any form or by any means, in whole or in part, or otherwise exploit the Service Materials without our express prior written permission. You acknowledge that you do not acquire any ownership rights by using the Service or by accessing any Service Materials posted on the Service by the Company, or any derivative works thereof. All rights not expressly granted by these Terms are reserved by the Company and its licensors, and no license is granted hereunder by estoppel, implication, or otherwise.

User content
Any data, text, graphics, photographs and their selection and arrangement, and any other materials uploaded to the Service by you is “User Content.” You represent and warrant that User Content is original to you and that you exclusively own the rights to such content, including the right to grant all of the rights and licenses in these Terms without the Company incurring any third party obligations or liability arising out of its exercise of such rights and licenses. You further represent and warrant that User Content does not and shall not violate any rights of any third party, including, without limitation, copyright, trademark, privacy, or other personal or proprietary rights (s). To the extent you do not own User Content, it is your obligation to secure all appropriate permissions, clearance, licenses, or other authorizations and agreements, and, as applicable, to pay directly all third-party fees and royalties as may be required, and at our request, you shall provide us with written confirmation and proof of such authorization and payments.

All of the User Content is your sole responsibility, and the Company is not responsible for any material that you upload, post, or otherwise make available. By uploading, distributing, transmitting, or otherwise using User Content with the Service, you grant to us a perpetual, nonexclusive, transferable, royalty-free, sublicensable, and worldwide license to use, host, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display User Content in connection with operating and providing the Service.

The Company reserves the right to remove and permanently delete User Content from the Service with or without notice for any reason.

The Company does not guarantee the accuracy, quality, or integrity of any User Content posted. By using the Service, you acknowledge and accept that you may be exposed to material you find offensive or objectionable. You agree that the Company will not under any circumstances be liable for any User Content, including, but not limited to, errors in any User Content, or any loss or damage incurred by use of User Content.

You may notify the Company in writing of any User Content that you believe violates these Terms, or other inappropriate User behavior, by emailing support@christof.love.

Communication channels
The Service provides communication channels such as forums, communities, or chat areas (“Communication Channels“) designed to enable you to communicate with other Service Users. The Company has no obligation to monitor these communication channels but it may do so in connection with providing the Service. The Company may also (and is entitled to) terminate or suspend your access to any Communication Channels at any time, without notice, for any reason. You acknowledge that any User Content (including without limitation chats, postings, or materials posted by Users) on the Communication Channels is neither endorsed nor controlled by us. The Company will not under any circumstances be liable for any activity within Communication Channels. The Company is not responsible for information that you choose to share on the Communication Channels, or for the actions of other Users.

Rules of conduct and usage
As a condition of your use of the Service, and without limiting your other obligations under these Terms, you agree to comply with the restrictions and rules of use set forth in these Terms as well as any additional restrictions or rules (such as application-specific rules) set forth in the Service. As an example, you agree not to use the Service (or encourage or insight others to use the Service) in order to:

– post, upload, transmit, or otherwise disseminate information that is objectionable as outlined in our Community Guidelines;

– defame, libel, ridicule, mock, stalk, threaten, harass, intimidate or abuse anyone or encourage or insight any other person to do so;

– engage in conduct that is fraudulent or illegal or otherwise harmful to the Company or any other User;

– upload or transmit (or attempt to upload or transmit) files that contain viruses, Trojan horses, worms, time bombs, cancelbots, corrupted files or data, or any other similar software or programs or engage in any other activity that may damage the operation of the Service or other Users’ computers;

– violate the contractual, personal, intellectual property or other rights of any party including using, uploading, transmitting, distributing, or otherwise making available any information made available through the Service in any manner that infringes any copyright, trademark, patent, trade secret, or other rights of any party (including rights of privacy or publicity);

– attempt to obtain passwords or other private information from other members;

– improperly use support channels or complaint buttons to make false reports to us;

– develop, distribute, or publicly inform other members of “auto” software programs, “macro” software programs, or other “cheat utility” software programs or applications in violation of the applicable license agreements;

– exploit, distribute or publicly inform other members of any game error, miscue, or bug which gives an unintended advantage;

– violate any applicable customs, laws, or regulations; or

– promote or encourage illegal activity including, but not limited to, hacking, cracking, or distribution of counterfeit software, compromised accounts, or cheats or hacks for the Service.

These rules of use are not meant to be exhaustive, and we reserve the right to determine what conduct we consider to be a violation of the Terms or improper use of the Service and to take action including termination of your Account and exclusion from further participation in the Service.

We appreciate hearing from our Users and welcome your comments regarding the Service. If you choose to provide feedback, comments, or suggestions for improvements to the Service or otherwise (in written or oral form) (“Feedback”), you represent and warrant that (a) you have the right to disclose the Feedback, (b) the Feedback does not violate or infringe upon the rights of any other person or entity, and (c) your Feedback does not contain the confidential or proprietary information of any third party or parties.

By sending us any Feedback, you further (i) agree that we are under no obligation of confidentiality, express or implied, with respect to the Feedback, (ii) agree that we are under no obligation to act upon the Feedback, (iii) agree that we shall not be held liable for omitting or publishing the Feedback, (iv) acknowledge that we may have something similar to the Feedback already under consideration or in development, (v) grant us an irrevocable, non-exclusive, royalty-free, perpetual, worldwide license to use, modify, prepare derivative works from, publish, distribute and sublicense the Feedback, and (vi) irrevocably waive, and cause to be waived, against the Company and the Users any claims and assertions of any moral rights contained in such Feedback. This Feedback provision shall survive any termination of your account or the Service.

All rights in this section are granted without the need for any compensation whatsoever of any sort to you.

Third-party content
We use third-party services to help us provide the Service, but such use does not indicate or imply whatsoever that we endorse them or are responsible or liable for their actions. In addition, the Service may link to third-party websites to facilitate its provision of services to you. If you use these links, you will leave the Service but notwithstanding you shall still be subject to any and all applicable terms relating to the Service.

Please note that your use of such third-party services will be governed by the terms and privacy policy applicable to the corresponding third party. Some of these third-party websites may use Service Materials under license from us. We are not responsible for nor do we endorse these third-party websites or the organizations sponsoring such third-party websites or their products or services, whether or not we are affiliated with such third-party websites. You agree that we are not responsible or liable whatsoever for any loss or damage of any sort incurred as a result of any such dealings you may have on or through a third-party website or as a result of the presence of any third-party advertising on the Service.

User disputes
You are solely responsible for your interaction with other Users of the Service and other parties that you come in contact with through the Service and any and all applicable terms relating to the Service shall apply herein. The Company hereby disclaims, and you hereby agree and acknowledge, any and all liability to you or any third party relating to your use of the Service. The Company reserves the right, but has no obligation, to manage disputes between you and other Users.


12.1 Copyright Complaints.

The Company respects the intellectual property of others, and we ask our Users to do the same. If you believe that your work has been copied in a way that constitutes copyright infringement, or that your intellectual property rights have been otherwise violated, you should notify the Company at support@christof.love of your infringement claim with a detailed explanation of the perceived infringement. We will review what you send and take appropriate action, at our sole discretion, if any action is required, but you accept that we shall be under no obligation to do so. If you submit a notice of infringement that knowingly materially misrepresents that any content, information, or communication on the Service is infringing upon a copyright, you may be held liable for damages and fees in connection with legal costs.

12.2 Repeat Infringer Policy.

The Company has adopted a policy of terminating, in appropriate circumstances and at the Company’s sole discretion, Users who are deemed to be repeat infringers. The Company may also at its sole discretion limit access to the Service and/or terminate the memberships of any Users and take any action whatsoever including action at court, against those who infringe any intellectual property rights of others, whether or not there is any repeat infringement, at any time at the sole discretion of the Company.


13.1 Payments

We accept PayPal/Stripe and/or such other payment methods we may make available to you from time to time through our Service, as forms of payment (“Payment Method”). We may also offer you the ability to make orders through a third-party app store or other payment services. You agree to comply with their terms and any other requirements they may have subject to these Terms including Section 10. By submitting an order, you authorize the Company, or its designated payment processor, to charge the account you specify for the purchase amount.

We may, in our sole discretion, cancel your payment at any time by providing notice to you through your contact information or by a notice when you attempt to make a payment. We may cancel a payment or prevent you from initiating future payments for any reason, including, without limitation, the following: (i) if you attempt to use the Service in breach of any applicable law or regulation, including the card network rules or regulations; (ii) if you use the Service in breach of these Terms; (iii) if we suspect fraudulent, unlawful or improper activity regarding a payment; (iv) if we detect, in our sole discretion, that your payments have excessive disputes, high reversal rates or present a relatively high risk of losses; or (v) failure to cooperate in an investigation or provide additional information when requested.

13.2 Recurring Billing

By purchasing a subscription to the Service, you authorize us to charge your Payment Method on a recurring (e.g. monthly, every four months, or yearly) basis for the applicable subscription charge, any and all taxes or possible transaction fees, and any other charges incurred in connection with your use of the subscription service. Your payment to the Company will automatically renew at the end of your applicable subscription period unless you cancel your subscription in writing at least one month before the end of the current subscription period by

a) cancel your subscription in your account settings in the Membership Portal
b) sending a written email to support@christof.love
13.3 Availability and Pricing

Though we try to honor all purchase requests, availability cannot always be guaranteed. When an item is not available and cannot be replenished (e.g. if we offer a limited promotion), we will attempt to remove the item from the Service in a timely manner but make no guarantees in this regard. We may occasionally make errors in the stated prices on the Service. If a product’s correct price is higher than the published price, we will either, in our sole and absolute discretion, confirm that we will provide the item at the price listed or cancel your order and notify you of such cancellation. If a product’s correct price is lower than the published price, we will reimburse you the additional amount paid, subject to any terms and conditions set out separately, including without limitation in the event of a coupon for a discounted price.

13.4 Taxes

Stated prices may not include taxes. If they do not, you are responsible for the payment of such taxes related to your purchase. We have the right to charge you for any taxes that we are required to pay or in fact collect related to your purchase.

13.5 Price Changes

The Company may change the price for the Service subscriptions from time to time and will communicate any price changes to you in advance and, if applicable, how to accept those changes.

Price changes for the Service subscriptions will take effect at the start of the next subscription period following the date of the price change. As permitted by local law, you accept the new price by continuing to use the Service after the price change takes effect. If you do not agree with the price changes, you have the right to reject the change by unsubscribing from the Service prior to the price change going into effect.

13.6 Cancellation

You may cancel your subscription to the Service at any time, and you will continue to have access to the Service through the end of the current subscription period. If you cancel your subscription before the end of the current subscription period, we will not refund any subscription fees already paid to us. To cancel, go to the “User Settings” page in the Site ccc-membership.com and follow the instructions for cancellation.

You may terminate your Account at any time and for any reason by deleting your account by sending an email to support@christof.love. The Company may terminate your Account and your access to the Service (or, at the Company’s sole option, applicable portions of the Service) at any time and for any reason. The Company is not required to provide you with any notice or warning prior to any such termination. You may, as the result of termination, lose your Account and all information and data associated therewith, and the Company is under no obligation to compensate you for any such loss, and the Company shall decide, at its sole discretion, whether to reimburse you for any unused portion of the subscription paid.

Disclaimer of warranty
The Service is provided “as is” and “as available” without warranties of any kind, either express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Your use of the Service is at your sole risk. In addition, while the Company attempts to provide a good user experience, we cannot and do not represent or warrant that the Service will always be secure or error-free or that the Service will always function without delays, disruptions, or imperfections. The foregoing disclaimers shall apply to the extent permitted by applicable law.

Limitation of liability
To the maximum extent permitted by law, in no event will the Company be liable to you or to any third person for any direct, consequential, incidental, special, punitive or other indirect damages, including any lost profits or opportunities or lost data, arising from your use of the Service or other materials on, accessed through or downloaded from the Service, whether based on warranty, contract, tort, or any other legal theory, and whether or not the Company has been advised of the possibility of these damages. Notwithstanding the foregoing, in the event the Company is found to be liable for losses, the Company shall not be liable to you for more than the amount you have paid to us in accordance with these Terms in the three (3) months immediately preceding the date on which you first assert a claim. The limitations and disclaimers in these Terms do not purport to limit liability or alter rights that cannot be excluded under applicable law. Some jurisdictions do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above disclaimers and limitations may not apply to you. In these jurisdictions, the Company’s liability will be limited to the greatest extent permitted by law.

We try to make the Service thorough, accurate, and helpful to our customers and Users. Nonetheless, there may be times when certain information contained on the Service may be incorrect, incomplete, or inaccurate, or appear inaccurate because of the browser, hardware, software, or other technology that you use. The Company reserves the right, with or without prior notice, and without incurring any liability whatsoever, to (i) change descriptions or references to products and/or services; (ii) limit the available quantity of any product or service; (iii) honor, or refuse to honor, any coupon, coupon code, promotional code or other similar promotions; and/or (iv) refuse to provide any visitor or User with any product or service.

You specifically acknowledge that the Company shall not be liable for any errors or omissions, on inaccuracies in the content within the Service or information flowing through the Service, including without limitation for User Content, or the defamatory, offensive, or illegal conduct of any third party and that the risk of harm or damage from the foregoing rests entirely with you.

You agree to indemnify and hold the Company, harmless from and against any loss, liability, claim, demand, damages, costs, and expenses, including all legal costs, arising out of or in connection with (i) your use of and access to the Service; (ii) your violation of any term of these Terms; (iii) your violation of any third party right, including without limitation any copyright, property, or privacy right or any third party agreement; (iv) any claims raised by third parties against us for the infringement of any intellectual property rights on any User Content; (v) any claims raised by the use of the User Content or any other information in connection with the Service by you; or (vi) any of User Content or information in your Account or any other information you post or share on or through the Service. As used in this section, “you” shall include anyone accessing the Service using your password.

18.1 Entire Agreement

These Terms constitute the entire agreement between you and the Company with respect to your use of the Service and any other subject matter hereof and cannot be changed or modified by you except as expressly posted on the Service by the Company. You also may be subject to additional terms and conditions that may apply when you use affiliate or third-party services, third-party content, or third-party software including those set out in these Terms.

18.2 Waiver

The failure of the Company to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision, and no waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.

18.3 Severability

If any provision of these Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties intentions as reflected in the provision, and the other provisions of these Terms shall remain in full force and effect.

18.4 Assignment

These Terms may not be assigned by you without the Company’s prior written consent, but are freely assignable by the Company at its sole discretion. Subject to the foregoing restriction, these Terms will be binding on, inure to, and enforceable against the parties and their respective successors and assigns.

18.5 Documentation of Compliance

Upon the Company’s request, you will furnish the Company with any documentation, substantiation, or releases necessary to verify your compliance with these Terms.

18.6 Survival

You agree that the provisions of these Terms that by their nature should survive termination will survive any termination of these Terms.

18.7 Governing Law

By visiting the Site or using the Service, you agree that these Terms and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with the Terms or the Site shall be governed by, and construed in accordance with, the laws of New Zealand, without reference to any choice of law principle that would result in the application of any other law.

Any dispute or difference of any kind which arises out of or in connection with the Terms or the Site, including, but not limited to, any question regarding its existence, validity, breach, or termination, shall be referred to and finally resolved by the New Zealand International Financial Center Courts.

The parties agree to use their best efforts to settle any dispute, claim, question, or disagreement directly through consultation with one another, and good faith negotiations shall be a condition to either party initiating a lawsuit.

18.8 Contact

If you have any questions about these Terms, please contact support@christof.love.

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