Terms of Service

Last updated: April 2026

1. Acceptance of Terms

By accessing or using liquiditydesk.org (the 'Site'), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Site.

2. About Liquidity Desk

Liquidity Desk is an independent macroeconomic research and content publication. All content is provided for informational and educational purposes only. Liquidity Desk is not a registered investment advisor, financial advisor, or broker-dealer.

3. Not Financial Advice

IMPORTANT: Nothing published on Liquidity Desk constitutes financial, investment, legal, or tax advice. All content, analyses, opinions, and market commentary are the personal views of the author and are provided for informational and educational purposes only.

You should not make any financial or investment decision based solely on content published here. Always conduct your own research and consult a qualified financial professional before making investment decisions. Past performance discussed in our content is not indicative of future results.

4. Intellectual Property

All content published on Liquidity Desk, including articles, analyses, charts, graphics, and the Liquidity Desk brand and logo, is the intellectual property of Liquidity Desk / Tihomir Bachvarov, unless otherwise stated.

You may share links to our content. You may not reproduce, copy, republish, or redistribute our content in full or in substantial part without prior written permission. Brief quotations with attribution are permitted for commentary and educational purposes.

5. Subscriber Accounts

To access subscriber-only content, you must provide a valid email address. You are responsible for maintaining the confidentiality of your account. You agree to notify us immediately of any unauthorized use of your account.

We reserve the right to terminate or suspend accounts that violate these Terms.

6. User Conduct

You agree not to:

  • Use the Site for any unlawful purpose
  • Attempt to gain unauthorized access to any part of the Site or its infrastructure
  • Transmit any content that is harmful, abusive, or infringes on the rights of others
  • Use automated tools to scrape, crawl, or harvest content from the Site without permission

7. Disclaimer of Warranties

The Site and its content are provided 'as is' without warranties of any kind, express or implied. We do not warrant that the Site will be error-free, uninterrupted, or free of viruses or other harmful components. We make no representation as to the accuracy, completeness, or timeliness of any content published.

8. Limitation of Liability

To the maximum extent permitted by applicable law, Liquidity Desk and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or reliance on any content published on this Site.

9. External Links

The Site may contain links to third-party websites. These links are provided for convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of the Republic of Bulgaria and applicable European Union law. Any disputes shall be subject to the exclusive jurisdiction of the courts of Bulgaria.

11. Changes to These Terms

We reserve the right to update these Terms at any time. The 'Last updated' date at the top of this page will reflect any changes. Continued use of the Site after changes constitutes acceptance of the updated Terms.

12. Contact

For questions regarding these Terms, contact us at contact@liquiditydesk.org.