Welcome to Shareholders' Digest. These Terms of Service ("Terms") govern your access to and use of our website, content, and services. By accessing or using our platform, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.

1. Acceptance of Terms

By accessing, browsing, or using the Shareholders' Digest website (the "Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms. These Terms constitute a legally binding agreement between you and Shareholders' Digest.

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the new Terms on this page and updating the "Last Updated" date. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms.

2. Description of Service

Shareholders' Digest provides:

• Financial News: Daily market updates, economic analysis, and financial reporting
• Market Analysis: Technical and fundamental analysis of stocks, bonds, and markets
• Investment Insights: Educational content about investment strategies and financial planning
• Newsletter Services: Email updates and alerts about financial markets
• Financial Data: Market data, earnings reports, and economic indicators

3. User Accounts

To access certain features of the Service, you may be required to create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your password and accept all risks of unauthorized access
• Notify us immediately of any unauthorized use of your account
• Ensure that you are at least 18 years old and capable of forming a binding contract

You are responsible for all activities that occur under your account. We reserve the right to suspend or terminate your account if any information provided is inaccurate, false, or incomplete.

4. Intellectual Property Rights

All content on the Shareholders' Digest platform, including but not limited to:

• Text, graphics, logos, icons, images
• Audio clips, video clips, digital downloads
• Data compilations, software
• Financial analysis, market reports, investment insights
• Newsletters, email content, alerts

Is the property of Shareholders' Digest or its content suppliers and is protected by international copyright, trademark, and other intellectual property laws.

5. User Content

The Service may allow you to post, link, store, share, and otherwise make available certain information, text, graphics, videos, or other material ("User Content"). You are responsible for the User Content that you post on or through the Service, including its legality, reliability, and appropriateness.

By posting User Content, you grant us the right and license to use, modify, publicly perform, publicly display, reproduce, and distribute such Content on and through the Service.

You represent and warrant that:

• You own or have the necessary licenses, rights, consents, and permissions to your User Content
• Your User Content does not violate any third-party rights
• Your User Content does not contain unlawful, defamatory, or inappropriate material

6. Acceptable Use

You agree not to use the Service:

• For any unlawful purpose or in violation of any laws
• To harass, abuse, or harm another person
• To impersonate or attempt to impersonate Shareholders' Digest, our employees, or other users
• To interfere with or disrupt the Service or servers
• To attempt to gain unauthorized access to any portion of the Service
• To collect or harvest any information from the Service
• To use any data mining, robots, or similar data gathering tools
• To create multiple accounts for fraudulent purposes
• To share confidential financial information without authorization

7. Disclaimer of Financial Advice

You acknowledge and agree that:

• All investment decisions are your sole responsibility
• Past performance does not guarantee future results
• Financial markets involve risk, including potential loss of principal
• You should consult with a qualified financial advisor before making any investment decisions
• We are not responsible for any investment losses you may incur

8. Limitation of Liability

To the fullest extent permitted by applicable law, Shareholders' Digest and its affiliates, officers, employees, agents, partners, and licensors shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, data, use, goodwill, or other intangible losses
• Damages resulting from your use or inability to use the Service
• Unauthorized access to or alteration of your transmissions or data
• Statements or conduct of any third party on the Service
• Any other matter relating to the Service

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 damage.

9. Indemnification

You agree to defend, indemnify, and hold harmless Shareholders' Digest and its affiliates, officers, employees, agents, partners, and licensors 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 Service
• Your User Content
• Your violation of any rights of another
• Your violation of any applicable laws or regulations

10. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms.

Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service or contact us to delete your account.

11. Governing Law

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

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions will remain in effect.

12. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to 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 Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.