Terms of Service

TERMS AND CONDITIONS OF USE

PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE USING THIS WEBSITE.

Last Updated: November 26, 2024
Effective Date: November 26, 2024

1. Acceptance of Terms

1.1 Agreement to Terms

By accessing, browsing, or using the InsiderStockPick.com website (the “Website”), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service (“Terms”), as well as our Disclaimer and Privacy Policy. These Terms constitute a legally binding agreement between you (“User,” “you,” or “your”) and Insider Media Group LLC (“Company,” “we,” “us,” or “our”).

1.2 Modifications to Terms

We reserve the right to modify, amend, or update these Terms at any time without prior notice. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after any modifications constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

1.3 Binding Agreement

If you do not agree to these Terms, you must immediately discontinue use of this Website. Your use of the Website signifies your acceptance of these Terms and your agreement to comply with all applicable laws and regulations.

2. Eligibility and User Representations

2.1 Age Requirements

You must be at least 18 years of age (or the age of legal majority in your jurisdiction) to use this Website. By using this Website, you represent and warrant that you meet this age requirement.

2.2 Legal Capacity

You represent and warrant that:

You have the legal capacity to enter into binding contracts
You are not prohibited by law from accessing or using this Website
Your use of this Website does not violate any applicable laws or regulations
All information you provide to us is accurate, current, and complete

2.3 Prohibited Jurisdictions

This Website is not intended for use by residents of jurisdictions where the content or services provided would be illegal or prohibited. Users are responsible for compliance with local laws.

3. Description of Services

3.1 Nature of Website

InsiderStockPick.com provides:

Information and content about publicly traded companies
News articles, analysis, and commentary on stock markets
Promotional and sponsored content about featured companies
Educational resources related to stock market investing
Newsletter and communication services

3.2 Not Financial Advice

IMPORTANT: All content on this Website is for informational and educational purposes only. Nothing on this Website constitutes:

Investment advice or recommendations
An offer to buy or sell securities
A solicitation to engage in any investment transaction
Professional financial, legal, or tax advice
A guarantee of investment performance or returns

3.3 Sponsored Content

A significant portion of content on this Website is sponsored, paid promotional material. We receive compensation from companies, third parties, and advertisers to publish content about specific securities. This creates material conflicts of interest that are disclosed in our Disclaimer and in individual articles.

4. Intellectual Property Rights

4.1 Ownership of Content

All content on this Website, including but not limited to text, graphics, logos, images, videos, audio clips, data compilations, software, and the compilation of all content (collectively, the “Content”), is the property of Insider Media Group LLC or its content suppliers and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

4.2 Trademarks

“Insider Stock Pick,” the Insider Stock Pick logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Insider Media Group LLC or its affiliates. You may not use these marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners.

4.3 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website and its Content solely for your personal, non-commercial use. This license does not include any right to:

Modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any Content
Use the Website or Content for any commercial purpose
Frame or utilize framing techniques to enclose any trademark, logo, or other Content
Use any meta tags or other “hidden text” utilizing our name or trademarks
Reverse engineer, decompile, or disassemble any software or technology on the Website

4.4 User-Generated Content

If you submit, post, or transmit any content to the Website (including comments, feedback, or suggestions), you grant us a perpetual, irrevocable, worldwide, royalty-free, non-exclusive license to use, reproduce, modify, adapt, publish, translate, distribute, and display such content in any media.

5. Prohibited Uses and User Conduct

5.1 Acceptable Use

You agree to use this Website only for lawful purposes and in accordance with these Terms. You agree not to use the Website:

In any way that violates any applicable federal, state, local, or international law or regulation
To transmit, or procure the sending of, any advertising or promotional material without our prior written consent
To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity
To engage in any conduct that restricts or inhibits anyone’s use or enjoyment of the Website
In any manner that could disable, overburden, damage, or impair the Website or interfere with any other party’s use of the Website

5.2 Prohibited Activities

Without limiting the generality of the foregoing, you specifically agree not to:

Use any robot, spider, scraper, or other automated means to access the Website for any purpose
Introduce any viruses, trojan horses, worms, logic bombs, or other malicious or technologically harmful material
Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, servers, or databases
Attack the Website via a denial-of-service attack or distributed denial-of-service attack
Copy, reproduce, modify, create derivative works from, distribute, or publicly display any content from the Website without our express written permission
Harvest or collect email addresses or other contact information of other users
Use the Website to transmit spam, chain letters, or other unsolicited communications
Engage in market manipulation, including coordinating purchases or sales of securities
Make false or misleading statements about securities or companies
Violate securities laws, including insider trading regulations

5.3 Monitoring and Enforcement

We reserve the right to:

Monitor user activity on the Website
Remove or refuse to post any user content for any reason
Take appropriate legal action against anyone who violates these Terms
Terminate or suspend your access to all or part of the Website for any reason
Disclose your identity or other information to law enforcement or regulatory authorities

6. Third-Party Links and Services

6.1 External Links

This Website may contain links to third-party websites, services, or resources that are not owned or controlled by Insider Media Group LLC. These links are provided for your convenience only.

6.2 No Endorsement

We do not endorse, warrant, or assume responsibility for:

The accuracy, completeness, or usefulness of third-party content
The products, services, or information offered by third parties
The privacy practices or terms of use of third-party websites
Any damages or losses arising from your use of third-party websites

6.3 User Responsibility

You acknowledge and agree that we are not responsible or liable for any content, advertising, products, services, or other materials on or available from third-party websites. Your use of third-party websites is at your own risk and subject to the terms and conditions of those websites.

7. Account Registration and Security

7.1 Account Creation

Certain features of the Website may require you to register for 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 and confidentiality of your login credentials
Notify us immediately of any unauthorized use of your account
Accept responsibility for all activities that occur under your account

7.2 Account Termination

We reserve the right to suspend or terminate your account at any time for any reason, including if you violate these Terms. You may terminate your account at any time by contacting us.

8. Disclaimer of Warranties

8.1 “As Is” Basis

THE WEBSITE AND ALL CONTENT, PRODUCTS, AND SERVICES INCLUDED ON OR AVAILABLE THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

8.2 No Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, INSIDER MEDIA GROUP LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

WARRANTIES OF MERCHANTABILITY
WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE
WARRANTIES OF NON-INFRINGEMENT
WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF CONTENT
WARRANTIES THAT THE WEBSITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE
WARRANTIES REGARDING THE RESULTS OBTAINED FROM USE OF THE WEBSITE

8.3 Investment Disclaimer

WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY, COMPLETENESS, OR SUITABILITY OF ANY INFORMATION, CONTENT, OR RECOMMENDATIONS ON THIS WEBSITE FOR INVESTMENT PURPOSES. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS.

9. Limitation of Liability

9.1 Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL INSIDER MEDIA GROUP LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY:

INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
LOSS OF PROFITS, REVENUE, DATA, OR USE
LOSS OF BUSINESS OPPORTUNITY
INVESTMENT LOSSES OR TRADING LOSSES
DAMAGES ARISING FROM USE OR INABILITY TO USE THE WEBSITE
DAMAGES ARISING FROM ERRORS, OMISSIONS, OR INACCURACIES IN CONTENT
DAMAGES ARISING FROM UNAUTHORIZED ACCESS TO YOUR DATA OR ACCOUNT
DAMAGES ARISING FROM THIRD-PARTY CONDUCT OR CONTENT

WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

9.2 Maximum Liability

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF THE WEBSITE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

9.3 Jurisdictional Limitations

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR DAMAGES. IN SUCH JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

10. Indemnification

10.1 Your Indemnification Obligation

You agree to indemnify, defend, and hold harmless Insider Media Group LLC and its officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any and all:

Claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees)
Arising from or related to:
- Your use or misuse of the Website
- Your violation of these Terms
- Your violation of any third-party rights, including intellectual property rights or privacy rights
- Your investment decisions or trading activities
- Any content you submit, post, or transmit through the Website
- Your violation of any applicable laws or regulations

10.2 Defense of Claims

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter subject to indemnification by you. You agree to cooperate with our defense of such claims.

11. Privacy and Data Protection

11.1 Privacy Policy

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our data collection, use, and disclosure practices.

11.2 Consent to Communications

By using the Website or providing your contact information, you consent to receive communications from us via email, SMS, or other electronic means. These communications may include:

Service-related announcements
Promotional messages and newsletters
Market alerts and stock recommendations
Sponsored content and advertisements

You may opt out of promotional communications at any time by following the unsubscribe instructions provided in each message.

12. Securities Law Compliance

12.1 No Investment Advice

Nothing on this Website constitutes investment advice. You are solely responsible for:

Evaluating the merits and risks of any investment
Conducting your own due diligence
Consulting with licensed financial professionals
Making independent investment decisions

12.2 Forward-Looking Statements

Content on this Website may contain forward-looking statements subject to risks and uncertainties. Actual results may differ materially from projected results. See our Disclaimer for more information.

12.3 Regulatory Compliance

You are responsible for complying with all applicable securities laws and regulations, including:

Registration requirements for securities transactions
Anti-fraud provisions
Insider trading prohibitions
Market manipulation restrictions
Reporting and disclosure obligations

13. Digital Millennium Copyright Act (DMCA)

13.1 Copyright Infringement Claims

If you believe that content on our Website infringes your copyright, please provide our Copyright Agent with the following information:

A physical or electronic signature of the copyright owner or authorized representative
Identification of the copyrighted work claimed to have been infringed
Identification of the material that is claimed to be infringing and its location on the Website
Your contact information (address, telephone number, email address)
A statement that you have a good faith belief that the disputed use is not authorized
A statement, under penalty of perjury, that the information in your notice is accurate and that you are authorized to act on behalf of the copyright owner

Copyright Agent Contact:
Email: copyright@insiderstockpick.com
Mail: Insider Media Group LLC, [Address], [City, State ZIP]

13.2 Counter-Notices

If you believe that content you posted was wrongly removed due to a copyright claim, you may submit a counter-notice with the required information as specified by the DMCA.

14. Governing Law and Dispute Resolution

14.1 Governing Law

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

14.2 Jurisdiction and Venue

You agree that any legal action or proceeding arising out of or related to these Terms or your use of the Website shall be brought exclusively in the federal or state courts located in [County], Delaware. You consent to the personal jurisdiction of such courts and waive any objection to venue.

14.3 Arbitration Agreement

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

Any dispute, controversy, or claim arising out of or relating to these Terms or your use of the Website shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.

Key Terms:

The arbitration shall be conducted in [City], Delaware
The arbitrator’s decision shall be final and binding
You waive your right to a jury trial
You waive your right to participate in a class action lawsuit
Each party shall bear its own costs and attorneys’ fees unless otherwise awarded by the arbitrator

14.4 Exceptions to Arbitration

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in court to prevent irreparable harm or protect intellectual property rights.

14.5 Class Action Waiver

YOU AGREE THAT ANY ARBITRATION OR PROCEEDING SHALL BE CONDUCTED ON AN INDIVIDUAL BASIS AND NOT AS A CLASS ACTION, CONSOLIDATED ACTION, OR REPRESENTATIVE ACTION. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

15. Miscellaneous Provisions

15.1 Entire Agreement

These Terms, together with our Disclaimer and Privacy Policy, constitute the entire agreement between you and Insider Media Group LLC regarding your use of the Website and supersede all prior agreements and understandings.

15.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect to the maximum extent permitted by law.

15.3 No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of the Company.

15.4 Assignment

You may not assign, transfer, or delegate your rights or obligations under these Terms without our prior written consent. We may assign, transfer, or delegate our rights or obligations under these Terms without restriction.

15.5 Survival

Provisions of these Terms that by their nature should survive termination shall survive, including but not limited to intellectual property rights, disclaimers, limitations of liability, indemnification, and dispute resolution provisions.

15.6 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, war, terrorism, pandemics, natural disasters, government actions, or internet service failures.

15.7 Headings

Section headings in these Terms are for convenience only and shall not affect the interpretation of these Terms.

15.8 Interpretation

As used in these Terms, “including” means “including but not limited to.” The words “herein,” “hereof,” and “hereunder” refer to these Terms as a whole.

16. Contact Information

If you have any questions, concerns, or complaints about these Terms or the Website, please contact us:

Insider Media Group LLC

Email: legal@insiderstockpick.com
Mail: [Complete Business Address]
Phone: [Business Phone Number]

Business Hours: Monday – Friday, 9:00 AM – 5:00 PM EST

17. Acknowledgment

BY USING THIS WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST IMMEDIATELY DISCONTINUE USE OF THIS WEBSITE.