Terms of Service

1. Agreement to Terms

By accessing and using InvestmentBasic (the "Site"), operated at investmentbasic.net, you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these Terms, you may not access the Site.

These Terms apply to all visitors, users, and others who access or use the Site. We reserve the right to modify these Terms at any time. Your continued use of the Site following any changes constitutes acceptance of those changes.

2. Educational Purpose Only

All investment decisions should be made after conducting your own research and consulting with qualified financial, legal, and tax professionals who can take into account your individual circumstances.

3. No Investment Advice

The content on this Site is for informational purposes only. Nothing on this Site should be interpreted as:

• A recommendation to buy, sell, or hold any security or financial instrument
• An offer to buy or sell securities
• Personalized investment advice
• A solicitation of any kind

Past performance of any investment is not indicative of future results. All investments involve risk, including the possible loss of principal. You should not invest money that you cannot afford to lose.

4. Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the Site.

Market data and economic indicators displayed on the Site are provided by third-party services (such as Finnhub and FRED) and may be delayed, inaccurate, or incomplete. We are not responsible for any errors or omissions in third-party data.

Investment concepts, strategies, and examples are simplified for educational purposes and may not reflect the complexities of actual market conditions.

5. User Responsibilities

By using this Site, you agree to:

• Use the Site only for lawful purposes and in accordance with these Terms
• Not use the Site in any way that could damage, disable, overburden, or impair the Site
• Not attempt to gain unauthorized access to any part of the Site or any systems or networks connected to the Site
• Not use any automated system, including "robots," "spiders," or "offline readers," to access the Site
• Not reproduce, duplicate, copy, sell, resell, or exploit any portion of the Site without express written permission
• Conduct your own due diligence before making any investment decisions

6. Intellectual Property Rights

The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, graphics, and design) are owned by InvestmentBasic, its licensors, or other providers and are protected by copyright, trademark, and other intellectual property laws.

You may access and use the Site for your personal, non-commercial educational purposes. You may not:

• Modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any content from the Site without prior written consent
• Use any content from the Site for commercial purposes without explicit permission
• Remove any copyright, trademark, or other proprietary notices from any content

7. Third-Party Links and Services

The Site may contain links to third-party websites, services, or resources that are not owned or controlled by InvestmentBasic. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

We may integrate third-party services (such as market data providers) into our Site. These services are subject to their own terms and conditions. Your use of such services is at your own risk.

The inclusion of any link or integration does not imply endorsement, approval, or control of the linked site or service.

8. Newsletter and Communications

If you subscribe to our newsletter, you agree to receive periodic emails from us containing educational content, updates, and other information related to investing and our Site. You may unsubscribe at any time by clicking the unsubscribe link in any email or by contacting us at info@investmentbasic.com.

By submitting your email address, you confirm that you are the owner of the email account and consent to receive communications from us.

9. Limitation of Liability

To the fullest extent permitted by applicable law, InvestmentBasic and its owner, employees, affiliates, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, or data
• Investment losses
• Business interruption
• Personal injury
• Any other damages arising out of or related to your use or inability to use the Site

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damages.

10. Disclaimer of Warranties

THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• WARRANTIES OF MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY OR COMPLETENESS OF CONTENT

We do not warrant that the Site will be uninterrupted, timely, secure, or error-free, or that any defects will be corrected.

11. Indemnification

You agree to defend, indemnify, and hold harmless InvestmentBasic and its owner, employees, affiliates, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms
• Your use of the Site
• Your investment decisions or financial losses
• Your violation of any third-party rights

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

Any disputes arising out of or relating to these Terms or the Site shall be resolved through binding arbitration in accordance with the American Arbitration Association's rules, except that either party may seek injunctive relief in any court of competent jurisdiction.

13. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

14. Waiver

No waiver of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition. Any failure to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

15. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Site after revisions become effective, you agree to be bound by the revised terms.

16. Contact Information

If you have any questions about these Terms of Service, please contact us at: