These Terms of Service ("Terms") govern your access to and use of thewealthletter.com, The Wealth Letter email newsletter, and any related content or services (together, the "Service"), operated by The Wealth Letter LLC ("we," "us," or "our"). By accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
You must be at least 18 years old and able to form a binding contract to use the Service. By using the Service you represent that you meet these requirements and that any information you provide is accurate.
The Wealth Letter publishes general market commentary, news analysis and financial education. We are not a registered investment adviser, broker-dealer, or tax or legal professional, and nothing on the Service is personalized investment, legal, tax or accounting advice, or an offer or solicitation to buy or sell any security.
No content on the Service creates an advisory or fiduciary relationship between you and us. You are solely responsible for your own investment decisions and should consult a licensed professional who knows your circumstances before acting. Full detail is in our Disclaimer, which is incorporated into these Terms.
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The Service and its original content, design, logos and trademarks are owned by The Wealth Letter LLC or its licensors and are protected by intellectual property law. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and read the Service for your own non-commercial use.
You may quote short excerpts with clear attribution and a link to the original. You may not republish, redistribute, sell, systematically scrape, or use our content to train machine-learning models without our prior written permission.
The Service links to and cites reporting, data and analysis published by third parties. Those links are provided for reference and attribution; they are not endorsements. We do not control third-party sites and are not responsible for their content, accuracy, or practices.
Part of our daily coverage is drafted with the assistance of AI tools working from market data and is reviewed before it publishes. Bylined analysis is written and edited by a person. Automated systems and human editors can both make errors; see Section 9.
The Service is provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that any content, price, figure or forecast is accurate, complete or current. Market data may be delayed.
To the fullest extent permitted by law, The Wealth Letter LLC and its officers, members, employees and contributors will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any lost profits, lost trading gains, or investment losses, arising out of or relating to your use of the Service. Our total liability for any claim relating to the Service will not exceed the greater of (a) the amount you paid us in the twelve months before the claim arose, or (b) one hundred U.S. dollars ($100).
You agree to indemnify and hold harmless The Wealth Letter LLC and its officers, members, employees and contributors from any claim, demand, loss or expense (including reasonable attorneys' fees) arising out of your use of the Service, your violation of these Terms, or your violation of any law or third-party right.
Our contributors and their affiliates may hold positions in securities or assets discussed on the Service. Where a contributor has a position material to a piece of coverage, we disclose it. See our Disclaimer for details.
We may modify or discontinue any part of the Service at any time. We may also update these Terms; if we make a material change we will update the "Last updated" date above and, where appropriate, notify subscribers by email. Continued use of the Service after a change takes effect means you accept the revised Terms.
We may suspend or terminate your access to the Service at any time if you breach these Terms or if we discontinue the Service. Sections 5, 9, 10, 11, 15, 16 and 17 survive termination.
These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. Subject to Section 16, you and we agree to the exclusive jurisdiction and venue of the state and federal courts located in San Diego County, California for any dispute arising out of or relating to these Terms or the Service.
Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court and to have a jury decide your claims.
Agreement to arbitrate. Except as set out below, you and The Wealth Letter LLC agree that any dispute, claim or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules then in effect, rather than in court. The arbitration will be held in San Diego County, California, or by videoconference or on written submissions if you prefer. The arbitrator, not any court, has authority to decide all issues relating to the interpretation, applicability, enforceability and scope of this arbitration agreement.
Class-action waiver. You and we agree to bring claims against each other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative proceeding. If this class-action waiver is found unenforceable as to a particular claim, that claim will be severed and proceed in court, and the remainder of this Section will continue to apply.
Exceptions. This Section does not apply to (a) claims that qualify for small-claims court, (b) claims seeking injunctive or other equitable relief for infringement or misuse of intellectual property, or (c) any claim that applicable law does not permit to be arbitrated. Nothing in this Section prevents you from bringing a matter to the attention of a government agency.
Costs and fees. Payment of filing, administration and arbitrator fees will be governed by the JAMS rules, including any JAMS consumer-arbitration minimum standards that apply.
Your right to opt out. You may opt out of this arbitration agreement by emailing [email protected] with the subject line "Arbitration Opt-Out" within 30 days of first accepting these Terms. Opting out will not affect any other part of these Terms.
These Terms, together with our Privacy Policy and Disclaimer, are the entire agreement between you and us regarding the Service. If any provision is held unenforceable, the remaining provisions stay in effect. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms; we may assign them in connection with a merger, acquisition or sale of assets.
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