Terms and Conditions

Agreement between User and quoin.pub

Welcome to quoin.pub ("Quoin"). The quoin.pub website and its related properties, including read.quoin.pub (collectively, the "Site"), are operated by Quoin LLC ("Quoin"). The Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the "Terms"). Your use of the Site constitutes your agreement to all such Terms. Please read these terms carefully.

Quoin is a publication and advisory practice serving the change economy — the ecosystem of foundations, families, purpose-driven investors, and the organizations they support. Our mission is to bring clarity, rigor, and conviction to the work of deploying capital for social impact. We provide several forms of digital content and professional services, including, but not limited to, online editorial content, email newsletters, research publications, social media content, advisory services, impact assessment, and strategic counsel.

Quoin operates several properties and offerings, including, but not limited to, quoin.pub, read.quoin.pub, and the Quoin newsletter. The Site is a digital media and professional services platform. The Quoin newsletter is a branded email publication produced and distributed by Quoin.

Privacy

Your use of the Site and Quoin's newsletters is subject to Quoin's Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices.

Cookies and Tracking

The Site uses cookies and similar tracking technologies to improve your experience, analyze usage, and support the functionality of the platform. By using the Site, you consent to the use of cookies in accordance with our Privacy Policy. You may adjust your browser settings to refuse cookies, but doing so may limit your ability to access certain features of the Site.

Electronic Communications

Visiting the Site, member areas, or related subdomains, subscribing to the Quoin newsletter or other communications, sharing your email or other contact information with Quoin, clicking buttons on the Site, or sending emails to Quoin constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.

In addition, by subscribing to the Quoin newsletter or other communications, sharing your email or other contact information with Quoin, clicking buttons on the Site, or signing up for memberships or premium content, you agree that you "opt in" to receive email communications from us.

Children Under Thirteen

Quoin does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under 13, you may use the Site, its newsletters, and affiliated services only with permission of a parent or guardian. You agree to indemnify and hold harmless Quoin for any use of the Site or newsletters by individuals under the age of 13.

In addition, Quoin targets its content, services, and advertising to individuals over the age of 18. You agree to indemnify and hold harmless Quoin for any use of the Site or newsletters by individuals under the age of 18.

Links to Third-Party Sites and Services

The Site and/or Quoin newsletters may contain links to other websites ("Linked Sites"). The Linked Sites are not under the control of Quoin, and Quoin is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Quoin is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Quoin of the site or any association with its operators.

Certain services made available via the Site or by Quoin are delivered by third-party sites and organizations. By using any product, service, or functionality originating from the Site, you hereby acknowledge and consent that Quoin may share such information and data with any third party with whom Quoin has a contractual relationship to provide the requested product, service, or functionality on behalf of Quoin's users and customers.

Goods and Services

You are not required to pay for basic access to the Site or the Quoin newsletter. Quoin offers, or may in the future offer, products, content, media, or services, including but not limited to newsletters, subscriptions, digital products, research publications, reports, guides, advisory services, consulting engagements, impact assessments, educational content, members-only areas, exclusive websites, digital communities, events, and/or other related content, services, or paid media. Quoin may limit use of these products, content, media, or services to paying users, subscribers, or clients of the specific product or service in question.

Purchase of or subscription to any of these products, content, media, or services is non-refundable.

In addition:

To access any such products and services, you ("Member" or "Client") are obligated to pay to Quoin the fees ("Fees") agreed on the basis of the order, engagement, or subscription you place.

All amounts are to be paid in full in the currency shown on the invoice. Member shall bear all bank and transfer charges, if any, as well as any currency conversion costs.

Orders can be paid by credit or debit card. Member may be presented with additional payment options by Quoin's payment services provider. Because Quoin does not process these payments directly, they are subject to the availability and systems integrity of the payment processor. Member agrees to indemnify and hold harmless Quoin and its affiliates over any technical or experiential challenges during the payment process.

If Member is an entity that is not an end user of the product or service, the parties may agree in writing that Quoin will invoice the entity for the fees.

Unless otherwise required by law, statements shall be made available to Member exclusively in digital form. They can only be accessed on Member's user account with Quoin's payment processor.

Quoin reserves the right to reduce the Member's access to paid products or services to the scope of use of the free version if the Member has not paid a due fee within seven (7) days, with or without notification. If Member settles all outstanding and due claims, Quoin will restore the Member's scope of use concerning the product or service according to the order immediately, at the latest within three (3) business days after Quoin has received full payment.

No Unlawful or Prohibited Use / Intellectual Property

You are granted a non-exclusive, non-transferable, revocable license to access and use the Site strictly in accordance with these Terms. As a condition of your use of the Site and newsletters, you warrant to Quoin that you will not use the Site or newsletters for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site or newsletters. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site or newsletters.

All content included as part of the service, such as text, graphics, logos, images, concepts, ideas, writing, art, research, methodologies, frameworks, content, as well as the compilation thereof, and any software used on the Site, is the property of Quoin or its suppliers, contributors, or owners, and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends, or other restrictions contained in any such content and will not make any changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, media, methodologies, frameworks, or ideas, in whole or in part, found on the Site or newsletters. Quoin content and media is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of Quoin and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of Quoin or our licensors except as expressly authorized by these Terms.

You may not recreate or attempt to recreate the content, or the stylistic, artistic, structural, or related elements of content on the Site or newsletters in any way. You may not use software, websites, chatbots, large language models, generative transformers, artificial intelligence, or other tools to analyze, save, alter, attempt to replicate, or develop derivative works based on the ideas, content, methodologies, frameworks, and stylistic, artistic, tonal, structural, or related elements of work and media produced by Quoin, for any use, including personal. In addition, you may not use content produced by Quoin to train chatbots, language models, generative transformers, artificial intelligence, or other tools, and agree never to do so.

Further Prohibition of Data Scraping

You explicitly acknowledge and agree that data scraping, web scraping, data mining, digital, machine, and language model training, or any similar data extraction activities from the Site, whether automated or manual, are strictly prohibited.

You shall not use any software, scripts, or other automated methods to extract, gather, scrape, or retrieve data from the Site, including but not limited to writing, prose, research, analysis, descriptions, methodologies, frameworks, designs, product information, pricing details, user profiles, information about the organization, or any other content. This prohibition extends to any physical published works (for example, books or reports), digital works (for example, applications, ebooks, or research publications), or works distributed through other digital channels (such as email newsletters).

In addition, you may not, under any circumstances, whether as an individual, an organization, through others, or via a third party, copy, approximate, or procure any of the above content to feed to large data models, data machines, automated processes, or artificial intelligences, however they may be defined.

Contributor Content

Quoin publishes contributed content from invited authors, interviewees, and other contributors. By submitting content to Quoin for publication — whether in the form of written articles, essays, interview responses, quotes, images, or other materials — you grant Quoin a non-exclusive, perpetual, royalty-free, worldwide license to edit, publish, reproduce, distribute, and display that content on the Site, in newsletters, on social media, and in any other medium or format, whether now known or later developed. Quoin retains full editorial discretion over all contributed content, including the right to edit for clarity, length, tone, and consistency with Quoin's editorial standards and worldview. Publication of contributed content does not create an employment, partnership, or agency relationship between Quoin and the contributor. Contributors retain ownership of their original work, subject to the license granted herein.

Case Studies, Client Features, and Published Work

Quoin may, from time to time, publish case studies, client features, impact narratives, or other content that references work performed for or in connection with its advisory clients. Any such publication is made only with the prior consent of the client or subject, as governed by separate engagement agreements between Quoin and the client. The appearance of any organization, individual, or project on the Site or in Quoin's newsletters does not constitute an endorsement of that entity by Quoin, nor does it imply any ongoing relationship between Quoin and the featured party, unless otherwise stated. All intellectual property rights in such published materials belong to Quoin unless otherwise agreed in writing.

International Users

The service is controlled, operated, and administered by Quoin from our offices within the USA. If you access the service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the Quoin content accessed through the Site in any country or in any manner prohibited by any applicable laws, restrictions, or regulations.

Indemnification

You agree to indemnify, defend, and hold harmless Quoin, its officers, directors, employees, agents, and third parties, for any losses, costs, liabilities, and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Site or newsletters or products or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules, or regulations. Quoin reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Quoin in asserting any available defenses.

Furthermore, you explicitly recognize that any content published or developed by Quoin is meant solely for informational, educational, or editorial purposes. Nothing we share should be construed as financial or legal advice, nor is it intended as medical advice, diagnosis, or treatment. Quoin's advisory services are governed by separate engagement agreements and are not covered by this provision.

No Advisory Relationship

Your use of the Site, subscription to the Quoin newsletter, or consumption of any content published by Quoin does not create a professional advisory, consulting, fiduciary, or client relationship between you and Quoin. The information and perspectives shared through the Site and newsletters are editorial in nature and are not a substitute for professional counsel tailored to your specific circumstances. A formal advisory relationship with Quoin exists only where a separate written engagement agreement has been executed by both parties.

Arbitration

In the event the parties are not able to resolve any dispute between them arising out of or concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association, or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator's award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the event that any legal or equitable action, proceeding, or arbitration arises out of or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable attorney's fees. The parties agree to arbitrate all disputes and claims in regards to these Terms and Conditions or any disputes arising as a result of these Terms and Conditions, whether directly or indirectly, including tort claims that are a result of these Terms and Conditions. The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The entire dispute, including the scope and enforceability of this arbitration provision, shall be determined by the arbitrator. This arbitration provision shall survive the termination of these Terms and Conditions.

Class Action Waiver

Any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class, representative, or collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH'S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE, AND/OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and Quoin agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.

Liability Disclaimer

THE INFORMATION, CONTENT, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE OR IN THE NEWSLETTERS MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. QUOIN LLC AND/OR ITS SUPPLIERS, CONTRIBUTORS, OR OWNERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE, RELATED MEDIA, OR NEWSLETTERS AT ANY TIME.

QUOIN LLC AND/OR ITS SUPPLIERS, CONTRIBUTORS, OR OWNERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, MEDIA, CONTENT, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS CONTAINED ON THE SITE OR NEWSLETTERS FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH CONTENT, MEDIA, INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. QUOIN LLC AND/OR ITS SUPPLIERS, CONTRIBUTORS, OR OWNERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL QUOIN LLC AND/OR ITS CONTRIBUTORS, SUPPLIERS, OR OWNERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA, OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE OR NEWSLETTERS, WITH THE DELAY OR INABILITY TO USE THE SITE OR NEWSLETTERS OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, NEWSLETTERS, MEDIA, OR CONTENT, OR FOR ANY INFORMATION, MEDIA, CONTENT, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE OR NEWSLETTERS, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF QUOIN LLC OR ANY OF ITS SUPPLIERS, CONTRIBUTORS, OR OWNERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES AND JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE OR NEWSLETTERS, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE AND NEWSLETTERS.

Termination and Access Restriction

Quoin reserves the right, in its sole discretion, to terminate your access to the Site and the related services, newsletters, email communications, or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the Commonwealth of Virginia, and you hereby consent to the exclusive jurisdiction and venue of courts in Virginia in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and Quoin as a result of this agreement or use of the Site. Quoin's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Quoin's right to comply with governmental, court, and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by Quoin with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.

In the event you are unable to access the Site or any related services, including newsletters, paid or unpaid, you assume full responsibility for any potential damages or losses incurred. You agree Quoin bears no responsibility for factors beyond our control which may or may not affect your ability to access our Site and related services. In such an event, purchases or subscriptions to the Site and any and all related services or newsletters are non-refundable.

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Quoin with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between the user and Quoin with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish of the parties that this agreement and all related documents be written in English.

Changes to Terms

Quoin reserves the right, in its sole discretion, to change the Terms under which the Site is offered. The most current version of the Terms will supersede all previous versions. Quoin encourages you to periodically review the Terms to stay informed of our updates.

Contact Us

If you have questions or comments regarding the Terms, please reach out via email to:

Email: inquire@quoin.pub

Effective as of May 23, 2026