1. Registration

Except as expressly provided in these Terms and Conditions, members may only maintain one active registration with Equity Research Insights. Any use of multiple accounts or aliases on our Services, including attempts to mislead, defraud, confuse, or otherwise trick us or our members, is a breach of these Terms and Conditions.

If you subscribe to one of our Subscription Plans (Plan) you will be asked to create a password, which you’ll need to access the Service and you’ll also be required to choose a username.

As a registered user, you can update your account settings, including your email address, by going to the Account Settings page, where you can change your password and your username, make changes to the Services you receive.

2. Subscription Plans (Plan)

When subscribing to a Plan you will need to provide us with your name, email address, as well as your credit card information. You agree to pay the applicable subscription fee as set forth on this site. Sales taxes may be charged in addition to the subscription fee. You certify that all information you provide is accurate. You also agree to maintain and update your information as necessary so that it remains accurate and current. In the event that any information you provide is inaccurate or not up to date, Equity Research Insights reserves the right to cancel your subscription. We reserve the right to refuse or discontinue the supply of a Service to any user at any time at our sole discretion.

Unless stated otherwise, membership to any Service is for online and/or electronic access only. Our Services generally deliver their content, web links to the content and Reports via email, including newsletters that do not necessarily require a subscription to a Plan. Users can always opt out of newsletter emails on the Account Settings page or via the Unsubscribe button at the bottom of every email.

Cancellation Policy

You may cancel your Plan at any time in your Account Settings page. Alternately, you may email us via the contact form on the website to confirm that you wish to cancel your Plan. Once a Plan has commenced after the user has paid for the Services the cancellation policy is effective from the start of the following month. Subscription fees paid monthly cannot be canceled as no payment is due to us after that prepayment and availing of Services. Your Plan will not automatically renew at the end of your subscription period. However, we will notify you of the impending expiry of your subscription and invite you to renew your subscription. Equity Research Insights reserves the right to increase a Service’s fees or institute new charges upon reasonable notice. Service fees are due in advance.

Refunds

Please review the specific terms of your offer before signing up as you are agreeing to be bound those terms. If you are unsure of your cancellation rights, please contact our support team via the contact form on the website. There is no refund offered for Service fees that the user pays monthly. User on a yearly Plan will be refunded for the remaining portion of their yearly subscription, calculated on an unexpired monthly basis, but excluding the month of cancellation, for which there will be no refund.

Transfer; Discontinuing a Service

You cannot transfer your subscription to someone else, except through bequeathment or by a court order. In the event a subscription is transferred, it will continue through the end of its term and can be renewed at the then-current price and conditions. In the event that we discontinue a Service, you agree that Equity Research Insights may transfer your subscription to another Service of equal or greater value.

3. Change of Plan – upgrade or downgrade

Our Plans provide the option to upgrade or downgrade to another subscription plan. You may do this yourself in the Account Setting page. The change of Plan will be effective at the start of the next month. The (discounted) monthly rate will be used to calculate the portion of the annual subscription ineligible for the refund and the remaining portion will be applied against the new upgrade or downgrade to the Plan chosen by the user. Should there be a surplus because of this exercise, and if a refund is due, the surplus will be applied to the user’s wallet. The user may utilize this surplus to purchase other services from Equity Research Insights or the user may request a refund which will be returned to the initial payment card used to subscribe to the
Services.

If you are unsure of your Change of Plan rights, please contact our support team via the contact form on the website. If you take advantage of a Change of Plan, please also note that you will lose access to any Services included in the original subscribed Plan. From time to time, we offer Reports that require a one-time purchase. You may use any credit in your wallet to purchase these, but you must have enough credit to cover the full list price of the report.

Equity Research Insights reserves the right to disallow the Change of Plan into certain services depending on insufficient credit or a member’s history of transfers or prior refunds, or for any other reason at Equity Research Insights’ sole discretion.

4. Intellectual Property

All of the Content on our websites and any Service we provide is protected by U.S. and international copyright laws and is the property of Equity Research. By “Content” we mean any information, mode of expression, or other materials and services found on Equity Research Insights. This includes blogs, short lists, long lists, software, our writings, graphics, videos, and any and all other features.

You may make one copy of the Content for your personal, non-commercial use, provided that any material copied remains intact and includes the following notice:

“Copyright 2022 [or whatever the current year is] Equity Research Insights. All rights reserved.” Any other copying, distribution, storing, or transmission of any kind, or any commercial use of our Content, is prohibited without Equity Research Insights’ prior written permission. That means you may not sell, auction, transfer or barter your subscription or any individual publication.
You also may not republish, post, transmit, or distribute the Content to online bulletin and message boards, blogs, chat rooms, intranets, or anywhere else without our consent. You further agree not to create abstracts from or scrape our Content. In short, you may not post our Content anywhere else online. You agree not to display any of Equity Research Insights’ trademarks or use them in any manner without our express written permission.

5. No Personalized Advice

We want to help you make money. However, Equity Research Insights is not in the business of rendering personalized investment advice. We can’t know all the relevant facts about you and your individual needs, and we cannot claim or represent that any particular Services are suitable for you. Accordingly, you agree that any positive or negative indication about a stock in any Service does not constitute a recommendation that a particular security, strategy, or action is suitable for you. If you want personal advice, then you should seek a registered investment advisor.

We will not, and cannot, trade on your behalf at your brokerage. Only you can decide whether or not a stock is right for you and you agree to be liable for any trades you initiate at your brokerage using tools that we or our partners provide.

6. You Bear Responsibility for Your Financial and Investment Decisions

One of the principal tenets here at the Equity Research Insights is that the best person to handle your finances is you. By your use of our Services, you’re agreeing that you bear responsibility for your own investment research and investment decisions. You also agree that Equity Research Insights, its directors, its employees, and its agents will not be liable for any investment decision made or action taken by you and others based on news, information, opinion, or any other material published through our Services.

7. Disclaimer of Warranties and Liabilities

Please read Equity Research Insights’ Disclaimer which is incorporated herein by reference.

Equity Research Insights provides a very broad range of information and commentary via its many Services. Consequently, as a result of the diverse opinions of our staff, a Equity Research Insights Service may, from time to time, take actions or issue recommendations with regard to specific securities that are different from those taken or issued by another Service we provide.

Equity Research Insights does not warrant the completeness or accuracy of the Content found in our Services or its usefulness for any particular purpose. And, Equity Research Insights makes no promises that our content or any of the Services will be delivered to you on an uninterrupted, timely, secure, or error-free basis. In fact, we’re not making any promises or warranties except that we’ll do our best to provide interesting and helpful information, education, and entertainment. Other than that, we reserve the right to be wrong, stupid, or even foolish (with a small “f”).

Now what does all this mean? It means that you agree that under no circumstances will Equity Research Insights, its employees, or its agents be liable for direct, indirect, incidental, consequential, punitive, or any other type of damages resulting from your use, purchase, or downloading of any material on our Websites, or arising from or related to these Terms or the Privacy Policy, even if we have been advised of the possibility of such damages. This includes, but is no way limited to, loss or injury caused in whole or in part by our negligence or by stuff beyond our control in creating or delivering any of our Services.

The Equity Research Insights relies on various sources of information that we believe to be accurate and reliable. We do not make any claims or representations about, the accuracy, completeness, or even the truth of every bit of data, information, and opinion provided through our Services. Remember: All information and content provided on or by Equity Research Insights is to be used on an “as is, with all faults, we’re not perfect” basis.

Obligatory Capitalized Disclaimers of Liability:

EXCEPT WHERE OTHERWISE INAPPLICABLE OR PROHIBITED BY LAW, THE WEBSITE AND PRODUCTS AND SERVICES CONTAINED AND OFFERED ON THE WEBSITE ARE PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS. NEITHER EQUITY RESEARCH INSIGHTS NOR ANY OF OUR PARTNERS MAKES ANY WARRANTY THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL THAT YOU PURCHASE OR OBTAIN FROM THE USE OF OUR SERVICES WILL MEET YOUR EXPECTATIONS OR THAT AND ANY ERRORS WILL BE IMMEDIATELY CORRECTED.

NEITHER WE NOR ANY OF OUR PARTNERS MAKES ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO OUR WEBSITES, ANY CONTENT, OR ANY OF OUR SERVICES, TOOLS, PRODUCTS, OR PROPERTIES. YOU EXPRESSLY AGREE THAT YOU WILL ASSUME THE ENTIRE RISK AS TO THE QUALITY AND THE PERFORMANCE OF OUR SERVICES AND THE ACCURACY OR COMPLETENESS OF THEIR CONTENT.

SOME STATES DO NOT ALLOW EXCLUSION OF IMPLIED WARRANTIES OR LIMITATION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. IN SUCH STATES, OUR LIABILITY AND THAT OF OUR THIRD-PARTY CONTENT PROVIDERS WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW. THIS DISCLAIMER OF WARRANTIES DOES NOT APPLY IN NEW JERSEY.

8. Communication

Federal or state law may require that we notify you of certain events. You hereby acknowledge and consent that such notices will be effective upon our posting them on our websites or sending them to you via email (another reason to please keep your account settings current). If you do not provide us with accurate information, we cannot be held liable if we fail to notify you.

9. Dispute Resolution by Binding Arbitration and Class Action Waiver

If a dispute arises in connection with your use of our Services or in relation to any of these Terms (collectively, “Disputes”) our hope is that we can resolve the matter informally. Accordingly, in the event of a Dispute, we agree to first contact each other via email with a description of the Dispute and any proposed resolution. You will email our support team via the contact form on the website with your concern and Equity Research Insights will contact you via the email address we have on file for you. If a Dispute cannot be resolved informally, we each agree that except as provided below, the Dispute will be submitted to final and binding arbitration before a panel of three arbitrators of the American Arbitration Association (“AAA”) in a location convenient to you. Either party may commence the arbitration process by submitting a written demand for arbitration with the AAA, and providing a copy to the other party. The arbitration will be conducted in accordance with the provisions of the AAA’s Commercial Dispute Resolutions Procedures, Supplementary Procedures for ConsumerRelated Disputes, in effect at the time of submission of the demand for arbitration. We will pay all of the filing costs, including arbitrator fees. Judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. You expressly agree to refrain from bringing or joining any claims in any representative or class-wide capacity, including but not limited to bringing or joining any claims in any class action
or any class-wide arbitration.

YOU UNDERSTAND THAT YOU ARE WAIVING YOUR RIGHT TO HAVE A JUDGE OR JURY DECIDE YOUR CASE AND TO BE PARTY TO A CLASS OR REPRESENTATIVE ACTION. YOU UNDERSTAND AND AGREE TO HAVE ANY CLAIMS DECIDED INDIVIDUALLY AND ONLY THROUGH ARBITRATION.

EXCEPTIONS

Notwithstanding the foregoing, the following will not be subject to arbitration and may be adjudicated only in the state and federal courts of Virginia: (i) any dispute, controversy, or claim related to or contesting the validity of our proprietary rights, including without limitation, trademarks, service marks, copyrights, patents, or trade secrets; or (ii) an action by a party for temporary, preliminary, or permanent injunctive relief, whether prohibitive or mandatory, or other provisional relief. You may also file an individual action in a small claims court in lieu of arbitration.

OPTING OUT

You will have thirty (30) days from the date you submit your personally identifiable information to opt out of this arbitration agreement. To opt out of arbitration, you must contact us at Equity Research Insights via the website contact form. If more than thirty (30) days have passed, you are not eligible to opt out of arbitration.

10. Your Agreement to These Terms

You acknowledge and agree that by agreeing to these Terms electronically you are expressly agreeing to the terms set forth herein. You acknowledge that your electronic submission constitutes your agreement and intent to be bound by these Terms and Conditions.

11. Other

If any provision in these Terms and Conditions is found to be invalid, unenforceable, or nonsensical, the remaining provisions will continue in full force and effect. This agreement is and always will be governed by the laws of the United States of America and the Commonwealth of Virginia (except with respect to choice of law). You agree that the proper forum for any claim arising thereunder will be the U.S. Court for the Eastern District of Virginia or the appropriate Virginia court.

Our Services are directed at a U.S. audience. We cannot warrant that the Services are appropriate for users outside the United States or that use of the Services is permitted under the laws of other jurisdictions. All personal data is maintained in the United States under the terms of our Privacy Policy.

Except as otherwise expressly stated in these Terms and Conditions, there are no thirdparty beneficiaries to this agreement. These Terms and Conditions, including those that are incorporated by reference, constitute the entire and only agreement between you and Equity Research Insights and govern your use of our sites.