Effective Date: [Insert Date]
Please read these Terms of Use ("Terms") carefully before accessing or using any part of the Investing Journal, LLC website (the “Website”). These Terms form a binding legal agreement between you and Investing Journal, LLC (“Investing Journal,” “we,” “our,” or “us”). By accessing or using the Website, you agree to be bound by these Terms, including any policies referenced herein. If you do not agree, you must not use our Website.
IMPORTANT NOTICE: These Terms include provisions for binding arbitration and a class action waiver, which affect your legal rights. Please review Section 13 carefully.
Table of Contents
Privacy Policy
Acceptable Use
No Investment Advice
Risk Disclosure
Educational Use Only
Website Modifications
Account Registration
User Communications
Social Media
Disclaimer of Warranties
Limitation of Liability
Arbitration and Class Action Waiver
Indemnification
Third-Party Links and Affiliate Disclosure
User Submissions
Intellectual Property
DMCA Policy
Electronic Communications
Assignment
No Waiver
Severability
Termination
Entire Agreement
Contact Information
Use of the Website
Use of the Website
By using this Website, you confirm that you are at least the age of majority in your jurisdiction. You agree to use this Website only for lawful purposes and in accordance with these Terms.
Privacy Policy
Your use of the Website is also governed by our Privacy Policy, which is incorporated by reference into these Terms.
Acceptable Use
You agree not to misuse or abuse the Website. Prohibited activities include, but are not limited to, hacking, harassment, uploading malicious software, and violating any local, state, or federal law. We reserve the right to restrict or terminate your access for any reason, with or without notice.
No Investment Advice
The Website is for informational and educational purposes only. We do not offer personalized investment advice, tax guidance, legal opinions, or financial services. You are solely responsible for your own financial decisions.
Risk Disclosure
All investing carries risk, including loss of principal. Hypothetical performance results carry inherent limitations and should not be viewed as guarantees. Always consult with a financial professional before making any investment decision.
Educational Use Only
Investing Journal, LLC is a private, for-profit entity offering general education. We are not an accredited institution, and we do not issue certifications or degrees.
Website Modifications
We may update, remove, or discontinue any part of the Website at any time without prior notice. We are not liable for any resulting consequences.
Account Registration
If you create an account, you agree to provide accurate information and keep your credentials secure. You are responsible for all activity under your account.
User Communications
By interacting with our Website, you consent to receive communications from us electronically. These may include service updates, promotional offers, or other notices related to your account.
Social Media
We are not responsible for user-generated content posted to our social media accounts. We may monitor and remove inappropriate content, but are not obligated to do so.
Disclaimer of Warranties
Our Website is provided "as is" and "as available." We make no warranties, express or implied, regarding the availability, accuracy, or reliability of the Website.
Limitation of Liability
To the fullest extent permitted by law, Investing Journal, LLC and its affiliates are not liable for any damages resulting from your use or inability to use the Website, even if we have been advised of the possibility of such damages. Our liability is capped at $500.
Arbitration and Class Action Waiver
Any dispute between you and Investing Journal, LLC will be resolved through binding arbitration conducted by the American Arbitration Association under its Consumer Arbitration Rules. You waive the right to bring or participate in class action lawsuits. You may opt out of arbitration within 30 days of your first use of our services by sending written notice to:
Investing Journal, LLC
ATTN: Legal Department
580 Mark Shopville RD
Somerset, KY 42503
Indemnification
You agree to defend and hold harmless Investing Journal, LLC and its affiliates from any claims, losses, or damages arising out of your use of the Website or your violation of these Terms.
Third-Party Links and Affiliate Disclosure
Our Website may include links to third-party sites and affiliate offers. We may receive commissions from partner companies like Advantage Gold. These links do not imply our endorsement. You are responsible for your interactions with third-party websites.
User Submissions
Any material you submit to us—reviews, comments, suggestions—becomes our property and may be used in accordance with our discretion. We may edit, reproduce, or republish submissions without compensation to you.
Intellectual Property
All content on this Website is the property of Investing Journal, LLC or its licensors. You may view content for personal, non-commercial use only. You may not copy, redistribute, or exploit any content without prior written permission.
DMCA Policy
If you believe that your copyrighted work has been used unlawfully on our Website, you may file a DMCA notice with the following contact:
Investing Journal, LLC
580 Mark Shopville RD
Somerset, KY 42503
Email: [email protected]
Electronic Communications
You consent to receive legal communications from us electronically. Such communications carry the same force as if delivered in writing.
Assignment
You may not assign your rights under these Terms. We reserve the right to transfer our rights without your consent.
No Waiver
Failure to enforce any provision of these Terms shall not be considered a waiver of future enforcement.
Severability
If any part of these Terms is found invalid or unenforceable, the remaining provisions will remain in full force and effect.
Termination
We may terminate your access at any time. Upon termination, all rights and obligations that by their nature should survive will continue.
Entire Agreement
These Terms, along with our Privacy Policy, represent the entire agreement between you and Investing Journal, LLC.
Contact Information
If you have questions or need support, contact us at:
Investing Journal, LLC
580 Mark Shopville RD
Somerset, KY 42503
Tel: [Insert Number]
Email: [email protected]