Terms & Conditions

Last updated: 12/03/2025

1. Acceptance of Terms

By accessing or subscribing to this website and newsletter (the "Service"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree, do not use or subscribe to the Service.

2. Description of Service

The Service provides paid and/or free newsletter content, research, commentary, and educational materials. Content may change, be updated, or be discontinued at any time without notice.

3. Subscription & Billing

Subscriptions are billed on a recurring basis (monthly or annually, depending on the plan selected).
All fees are disclosed at the time of purchase.
Subscriptions automatically renew unless canceled before the renewal date.
You are responsible for maintaining valid payment information.

4. Cancellation

You may cancel your subscription at any time through your account dashboard or the platform used to subscribe. Cancellation stops future billing but does not retroactively refund prior payments unless explicitly stated in the Refund Policy.

5. Refund Policy

All subscription fees are non-refundable unless otherwise stated in writing.

Chargebacks. Initiating a chargeback or payment dispute without first contacting us may result in immediate termination of access. We reserve the right to submit evidence of acceptance of these Terms, content access, and delivery of services to the payment processor.

No prorated refunds are provided for partial billing periods.

6. Intellectual Property

All content, including text, analysis, charts, graphics, and branding, is owned by or licensed to the Company and is protected by intellectual property laws.

Content is for personal, non-commercial use only.
Redistribution, resale, copying, or sharing of content without written permission is prohibited.

7. Prohibited Use

You agree not to:

Share login credentials
Reproduce, copy, distribute, resell, sublicense, or publicly display any content
Allow third parties to access paid content
Use the Service for unlawful purposes
Attempt to reverse engineer, scrape, or bypass paywalls or access controls

Content Sharing Enforcement. Unauthorized sharing or redistribution of paid content may result in immediate termination of access without refund and may subject you to legal action, including claims for damages.

8. No Professional Advice

The Service provides educational and informational content only. Nothing constitutes investment, financial, legal, or tax advice.

9. Limitation of Liability

To the maximum extent permitted by law, the Company shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from or related to your use of the Service, including but not limited to loss of profits, trading losses, data loss, or business interruption, even if advised of the possibility of such damages.

10. Arbitration & Class Action Waiver

Mandatory Arbitration. Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved exclusively through binding arbitration administered in the State of Washington, rather than in court, except that either party may seek injunctive or equitable relief in court for intellectual property violations.

Class Action Waiver. You agree that any arbitration or proceeding shall be conducted on an individual basis only and not as a class, collective, or representative action.

11. Indemnification

You agree to indemnify and hold harmless the Company from any claims arising out of your use of the Service or violation of these Terms.

12. Modifications to Terms

We may update these Terms at any time. Continued use of the Service after changes constitutes acceptance of the revised Terms.

13. Governing Law

These Terms are governed by the laws of the State of Washington, United States, without regard to conflict of law principles.