Terms and Conditions

1. Educational Purpose and Disclaimer

This website provides educational content regarding fundamental stock analysis and trading principles. All information, tutorials, guides, and materials presented are for educational purposes only and should not be construed as financial advice, investment recommendations, or trading signals.

2. User Obligations and Responsibilities

2.1 Acceptable Use

Users of this website agree to:

• Use the website and its content solely for personal, non-commercial educational purposes
• Provide accurate information when creating accounts or submitting forms
• Maintain the confidentiality of any account credentials
• Refrain from attempting to gain unauthorized access to any portion of the website
• Not engage in any activity that disrupts or interferes with website functionality
• Comply with all applicable local, national, and international laws and regulations

2.2 Prohibited Activities

Users are strictly prohibited from:

• Copying, reproducing, or distributing website content without explicit written permission
• Using automated systems, bots, or scrapers to access or collect website data
• Reverse engineering, decompiling, or attempting to extract source code
• Posting or transmitting malicious code, viruses, or harmful software
• Impersonating other users, individuals, or entities
• Engaging in harassment, abuse, or threatening behavior toward other users
• Using the website for any illegal or fraudulent purposes

3. Intellectual Property Rights

3.1 Ownership

All content published on this website, including but not limited to text, graphics, logos, images, videos, audio clips, digital downloads, data compilations, software, course materials, and the "10 Steps to Fundamental Stock Analysis" methodology, is the exclusive property of the website operators and is protected by international copyright, trademark, and intellectual property laws.

3.2 Limited License

Users are granted a limited, non-exclusive, non-transferable, revocable license to access and use the website content for personal educational purposes only. This license does not include the right to:

• Reproduce content for commercial purposes or distribution
• Modify, adapt, or create derivative works based on website content
• Publicly display or perform website materials
• Frame or mirror website content on other platforms
• Remove copyright notices or proprietary markings

3.3 User-Generated Content

By submitting comments, questions, feedback, or other content to this website, you grant us a perpetual, worldwide, royalty-free license to use, reproduce, modify, and display such content for website operation and improvement purposes. You represent that you own all rights to submitted content and that it does not violate any third-party rights.

4. Service Limitations and Availability

4.1 No Warranty

This website and all content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that:

• The website will be uninterrupted, timely, secure, or error-free
• The information provided will be accurate, reliable, complete, or current
• Any defects or errors will be corrected
• The website or servers are free from viruses or harmful components
• The educational content will meet your specific requirements or expectations

4.2 Service Modifications

We reserve the right to modify, suspend, or discontinue any aspect of the website, including content, features, or availability, at any time without prior notice. We may also impose limits on certain features or restrict access to parts or all of the website without liability.

4.3 Third-Party Content

The website may reference or discuss third-party products, services, companies, or stock examples for educational purposes. Such references do not constitute endorsements or recommendations. We are not responsible for the accuracy of third-party information or the performance of mentioned securities.

5. Limitation of Liability

The website operators, owners, employees, affiliates, and content contributors shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising from:

• Your use or inability to use the website or its content
• Any investment or trading decisions made based on website information
• Financial losses resulting from application of educational concepts
• Errors, omissions, or inaccuracies in website content
• Unauthorized access to or alteration of your data or transmissions
• Statements or conduct of third parties on the website
• Service interruptions, technical failures, or data loss
• Any other matter relating to website use or content

This limitation applies regardless of the legal theory (contract, tort, negligence, strict liability, or otherwise) and even if we have been advised of the possibility of such damages. Some jurisdictions do not allow limitation of liability for incidental or consequential damages, so these limitations may not apply to you.

6. Indemnification

You agree to indemnify, defend, and hold harmless the website operators, their officers, directors, employees, agents, licensors, and suppliers from and against all claims, losses, expenses, damages, and costs, including reasonable attorneys' fees, resulting from:

• Your violation of these Terms and Conditions
• Your violation of any rights of another party
• Your use or misuse of the website or its content
• Your investment or trading decisions
• Any content you submit or transmit through the website

7. Privacy and Data Protection

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference. We collect, process, and protect user data in accordance with applicable data protection regulations. By using this website, you consent to such processing and warrant that all data provided by you is accurate and current.

8. Dispute Resolution and Governing Law

8.1 Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the jurisdiction in which the website operators are established, without regard to conflict of law principles. Any legal action or proceeding arising under these terms shall be brought exclusively in the courts of that jurisdiction.

8.2 Dispute Resolution Process

In the event of any dispute, controversy, or claim arising out of or relating to these Terms and Conditions or website use, the parties agree to the following resolution process:

• Informal Negotiation: The parties shall first attempt to resolve the dispute through good-faith negotiation for a period of thirty days
• Mediation: If informal negotiation fails, the parties agree to participate in mediation before a mutually agreed-upon mediator
• Arbitration: If mediation is unsuccessful, disputes shall be resolved through binding arbitration in accordance with applicable arbitration rules
• Litigation: Only after exhausting the above methods may parties pursue litigation in the designated courts

8.3 Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in class action lawsuits or class-wide arbitration.

9. Termination

We reserve the right to terminate or suspend your access to the website immediately, without prior notice or liability, for any reason, including but not limited to breach of these Terms and Conditions. Upon termination, your right to use the website will immediately cease, and you must destroy all downloaded or printed materials obtained from the website.

All provisions of these Terms and Conditions that by their nature should survive termination shall survive, including but not limited to intellectual property provisions, warranty disclaimers, indemnification obligations, and limitations of liability.

10. Changes to Terms and Conditions

We reserve the right to modify, amend, or update these Terms and Conditions at any time at our sole discretion. Changes will be effective immediately upon posting to the website with an updated "Last Updated" date. Your continued use of the website after such modifications constitutes your acceptance of the revised terms.

11. Severability and Entire Agreement

11.1 Severability

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, or if that is not possible, severed from these terms. The invalidity of any provision shall not affect the validity or enforceability of the remaining provisions.

11.2 Entire Agreement

These Terms and Conditions, together with the Privacy Policy and any other legal notices published on this website, constitute the entire agreement between you and the website operators concerning your use of the website and supersede all prior agreements, understandings, negotiations, and discussions, whether oral or written.

11.3 No Waiver

Our failure to enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision. No waiver of any term shall be deemed a further or continuing waiver of such term or any other term.

12. Additional Provisions

12.1 Age Restrictions

This website is intended for users who are at least eighteen years of age or the age of majority in their jurisdiction. By using this website, you represent and warrant that you meet these age requirements and have the legal capacity to enter into these Terms and Conditions.

12.2 Assignment

You may not assign, transfer, or delegate these Terms and Conditions or your rights and obligations hereunder without our prior written consent. We may assign our rights and obligations under these terms without restriction. Any attempted assignment in violation of this provision is void.

12.3 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

12.4 Language

These Terms and Conditions are provided in English. Any translations provided are for convenience only. In case of discrepancies between the English version and any translation, the English version shall prevail.