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Terms of Use

Updated: November 20, 2025

Your access to and use of the Company Sites and Materials (including without limitation, such Websites, subdomains, affiliated websites, partner websites, and products, services, subscriptions, content and features available on or provided through those websites and and other mediums, collectively “Company Content”) are conditioned on your acceptance of and compliance with these/this Karmaholic Media, LLC (“Karmaholic Media” or the “Company”) Terms of Service/Use Agreement (the “Agreement”).

BY ACCESSING OR USING THE COMPANY SITES AND MATERIALS (the “Content”) YOU CHOOSE TO ACCEPT AND AGREE TO BE BOUND BY THESE TERMS, “AS IS” AND WITHOUT CHANGES. IF YOU DO NOT AGREE TO THE TERMS HEREIN, YOU AGREE THAT YOU WILL NOT ACCESS OR USE THE CONTENT, AND YOU UNDERSTAND THAT YOU ARE PROHIBITED FROM ACCESSING ANY CONTENT PROVIDED BY THE COMPANY.

At any time, Karmaholic Media reserves the right to make changes, additions, and remove any parts of this Agreement or any part of the services and features provided in the Content. Your continued access and use of the Content will ALWAYS indicate your acceptance of the Agreement, including but not limited to, any provisions that change the Agreement.

THIS AGREEMENT INCLUDES PROVISIONS THAT REQUIRE BINDING ARBITRATION AND WAIVE YOUR RIGHTS TO A COURT HEARING, JURY TRIAL, OR PARTICIPATION IN A CLASS ACTION LAWSUIT. ARBITRATION IS MANDATORY AND THE ONLY WAY TO RESOLVE DISPUTES, EXCEPT AS NOTED IN SECTION 13 OR IF YOU CHOOSE TO OPT OUT. PLEASE REVIEW SECTION 12 CAREFULLY FOR DETAILS ON YOUR OPT-OUT RIGHTS AND HOW TO EXERCISE THEM.

ELECTRONIC SIGNATURES. YOU AGREE TO CONDUCT BUSINESS WITH US ELECTRONICALLY AND TO RECEIVE COPIES OF THESE TERMS ELECTRONICALLY, BUT YOU MAY OPT OUT AT ANY TIME BY CONTACTING [email protected] (REQUESTS PROCESSED WITHIN 10 BUSINESS DAYS WITH EMAIL CONFIRMATION). THESE TERMS WILL BE STORED IN A RETRIEVABLE FORMAT ALLOWING YOU TO PRINT THEM OR REQUEST A HARD COPY FROM US (SUBJECT TO REASONABLE FEES AND FULFILLED WITHIN 30 DAYS). YOUR KNOWING AND VOLUNTARY AGREEMENT TO RECEIVE MARKETING OR OTHER TELEPHONE CONTACTS CONSTITUTES A BINDING ELECTRONIC SIGNATURE, EQUIVALENT TO A WRITTEN SIGNATURE ON A PAPER CONTRACT, AS DETAILED IN OUR PRIVACY POLICY.

  1. GENERAL

    1. You are solely responsible for your use of the Content. You agree that you will not use the Content unless you can form a binding contract with the Company. Please read this Agreement carefully before accessing or using any Content released/provided by Karmaholic Media, or its owners, subsidiaries, affiliates, and joint business ventures, and all their respective officers, directors, employees, agents, and representatives (collectively, “Company Affiliates”).

    2. The Company may revise this Agreement by updating this posting or communicating with you regarding the same via the contact information the Company has on record for you. Your continued use of Company Content after such revisions have been posted or communicated to you indicates your acceptance of all such revisions.

    3. The content created by the Company is intended for residents of the United States of America. By accessing or using the Company Content, you affirm that you are a resident of the United States, and further affirm you will notify the Company prior to any change in your residency status.

    4. The content created by the Company is not intended for or directed towards children under 18 years of age. By accessing or using the Company Content, you affirm that you are over the age of 18.

      The Company does not knowingly collect personal information from individuals under 18 years of age. In compliance with applicable laws, including the Children’s Online Privacy Protection Act (COPPA), we do not require age verification but rely on your affirmation of age. Any violation of this section may result in immediate termination of access, deletion of submitted data, and potential legal action to the extent permitted by law.

  2. GENERAL FINANCIAL DISCLAIMER

    1. Karmaholic Media is not an investment, financial, tax, or legal advisor or a broker-dealer and does not purport to provide personalized investment, financial, tax, or legal advice in any form. The Company does not recommend the purchase of particular securities nor does the Company promise or guarantee any particular investment results. You understand and acknowledge that there is a very high degree of risk involved in trading securities and, in particular, in trading futures and options, and in trading penny stocks. You acknowledge and agree that you, and not the Company, are solely responsible for your own investment research and decisions. Do not trade with money that you cannot afford to lose. You understand that the Company encourages you to seek the advice of a qualified securities professional and/or tax or legal advisor, as necessary, before making any investment, and to investigate and fully understand any and all risks before investing. The Company assumes no responsibility or liability for your trading and investment results and you agree to hold the Company harmless for any such results or losses.

    2. Past results of any individual trader or trading system published by the Company are not indicative of future returns by that trader or system, and are not indicative of future returns which may be realized by you. In addition, the methods, techniques, information, content, indicators, strategies, columns, articles and all other features of the Company Content, or any Company product or service, (collectively, the “Information”) are provided for informational and educational purposes only and should not be construed as investment advice. Accordingly, you should not rely on the Information in making any investment. Rather, you should always perform additional independent research in order to allow you to form your own opinion regarding investments. You are solely responsible for your own trading decisions, and nothing in the Information is intended to be or should be interpreted as a promise or guarantee of any particular result. You should always check with your licensed financial, investment, legal, or tax advisor to determine the suitability of any investment.

    3. Hypothetical or simulated trading results have significant limitations and often differ sharply from actual performance, as they do not involve real trades, financial risks, or market factors like liquidity issues, and are typically created with hindsight. No simulated record can fully capture the challenges of real trading, such as withstanding losses or sticking to a strategy, and various other market or program-specific factors may negatively impact actual results. Our website may highlight successful hypothetical trades, but we also experience losses (excluding fees and commissions), and past performance—real or simulated—is not indicative of future outcomes.

  3. INTELLECTUAL PROPERTY, HYPERLINKS & LINKS TO OTHER WEBSITES

    1. The Company Content and related content (including past, present, and future versions, all graphics, layouts, texts, content, instructions, images, audio, video, designs, advertising copy, logos, domain names, brands, any and all source and object code, “look and feel” of material, etc.), including without limitation the User Submissions (as defined below), third-party applications, and any other content on the Company Content and the copyrights, trademarks, service marks and other intellectual property rights in such content are the property of Company and/or its third-party licensors or providers unless otherwise specifically stated. The Company or its third-party licensors, as applicable, reserve all rights not expressly granted in this Agreement. You may not modify or use of Company Content described in this Agreement unless granted expressly granted in writing. Except as otherwise allowed in this Agreement or through expressed written permission by Karmaholic Media, you have no rights whether implied or explicit to use any Company Content. Notwithstanding, You may access and use such content solely for your own personal and non-commercial use. Violation of these terms may subject you to legal liability and penalties to the fullest extent of the law.

    2. Copyright/Trademarks. The Company Content are copyrighted under the laws of the United States and other similar jurisdictions. Karmaholic Media, without limitation owns a copyright to all materials contained in the Company Content. You will need express written permission from Karmaholic Media prior to any reproduction, copying, downloading, and distributing any Company Content.

    3. The Company Content may contain links to third-party websites. The fact that we provide such links is not an endorsement of that third-party or any services or products that they may offer, or a representation of our affiliation with that third-party. We do not exercise control over third-party websites. These other websites may follow different rules regarding the use or disclosure of the personally identifiable information you submit to them and you should read the privacy policies or statements of the other websites you visit.

  4. TRANSPARENCY AND RESULTS CLAIMS

    1. To promote transparency, we may require users to verify their securities trades through various methods that we designate. If you fail to provide such verification, we may do any or all of the following: (1) disable any account that you have established through the Company Content; (2) remove any content you post, including content regarding your trades. Despite the Company’s commitment to transparency, however, the Company does not guarantee the accuracy of and shall not be liable in any way in connection with any trade information submitted by users.

    2. In addition, the Company Content may at times refer to an authorized representative of the Company to share their investment results, including but not limited to trading results or investment strategies. Such references should not be construed or interpreted to require the disclosure of investments and strategies that are personal in nature, that are part of estate or tax planning, or that are immaterial to the scope and nature of the Company’s educational philosophy.

  5. OPT-IN AND COMMUNICATIONS CONSENT

    1. By submitting your personal information, including without limitation your email address, phone number, and other details (see Privacy Policy), you provide your electronic signature and expressly consent to receive communications from the Company, its affiliates, network partners, advertisers, marketers, sponsors, business partners, and other third parties (collectively, “Partners”). These communications may include emails, text messages (SMS/MMS), phone calls, social media messages, direct mail, push notifications, and any other method, for marketing, informational, or other purposes.

    2. SMS and Telephone Consent (TCPA Compliance): If you provide a mobile phone number, you expressly consent to receive recurring text messages (SMS/MMS) and/or telephone calls from the Company and its Partners at the number provided, including messages and calls made using an automatic telephone dialing system (ATDS), artificial or prerecorded voice, or other automated technology, for marketing purposes such as promotions, alerts, and lead connections in the financial publishing industry. You understand that message and data rates may apply, and the frequency of messages may vary. Your consent is not required as a condition of purchasing any goods or services or accessing Company Content. If you do not wish to provide consent, you may still contact us or our Partners directly by visiting our or our partner websites.

      To opt out of text messages at any time, reply “STOP” to any message. For help, reply “HELP” or contact us at [email protected]. Message frequency may vary. We may confirm your opt-out via a final message. By providing your number, you represent that you are the authorized user or subscriber of the number and have the authority to consent to such communications.

    3. You acknowledge that communications from the Company and its Partners comply with applicable laws, including the Telephone Consumer Protection Act (TCPA, 47 U.S.C. § 227), the Controlling the Assault of Non-Solicited Pornography and Marketing (CAN-SPAM) Act of 2003 (15 U.S.C. §§ 7701-7713), and Canada’s Anti-Spam Legislation (CASL, S.C. 2010, c. 23). You agree to indemnify and hold harmless the Company, its affiliates, and Partners from any claims arising from communications sent pursuant to this consent, including under TCPA, CAN-SPAM, or CASL.

    4. Your information may be shared with Partners for their own marketing uses, as detailed in our Privacy Policy. You agree to the terms of our Privacy Policy and any linked Partner policies when providing consent.

  6. THIRD PARTY LINKS

    1. Our Websites may contain third-party materials, such as advertisements or embedded content, or links to external websites over which we have no control. We are not responsible or liable for the accuracy, legality, or any other aspect of such third-party materials or websites, nor do we endorse them. Before engaging in any transaction or interaction with third parties, carefully review their privacy policies, terms of use, and practices to ensure you understand the associated risks. Any complaints, claims, concerns, or questions about third-party products, services, or content should be directed solely to the relevant third party. We do not monitor or review linked sites and disclaim any obligation to do so.

  7. SECURITY

    1. No measures designed to protect, secure, or preserve the integrity or confidentiality of information, including methods of transmission over the Internet or method of electronic storage, can guarantee the security of your information. The Company makes no assurances regarding the security of your information.

  8. DISCLAIMER OF WARRANTIES

    1. You expressly understand and agree that the content, products, tools, and services included or obtained via or as part of the Company Content are provided on an “as is” and “as available” basis and without representations or warranties of any kind, either express or implied, to the fullest extent permitted by applicable law. The Company expressly disclaims all warranties of any kind, whether express, implied or statutory, including, but not limited to, warranties of title and non-infringement, implied warranties of merchantability and fitness for a particular purpose, and all warranties relating to the adequacy, accuracy, reliability, usefulness or completeness of any of the information contained on or in the company sites and materials.

  9. LIMITATION OF LIABILITY

    1. Neither the Company nor the Company Affiliates nor any of their suppliers, advertisers, or sponsors are or will be liable for any actual, indirect, incidental, consequential, special, exemplary, punitive or other damages whether under any contract, negligence, strict liability or other theory, arising out of or relating in any way to any of the company sites and materials, or any of the content contained therein, or any product or service used or purchased through the company including, but not limited to, lost revenue or income, loss of capital, pain and suffering, emotional distress, or similar damages, even if the company has been advised of the possibility of such damages. The liability of the Company for all damages, losses, and causes of action (whether in contract, tort (including, without limitation, negligence), or otherwise) shall not exceed the greater of $100 or the total amount paid to the Company by you, if any, for materials or services (including subscriptions), during the previous six (6) months prior to bringing the claim.

  10. INDEMNIFICATION

    1. As a condition of your use of the any of the Company Content, you agree to indemnify and hold the Company and the Company Affiliates harmless for any losses, claims, judgments, costs, damages, and expenses (including attorneys’ fees) caused by or resulting from (a) your violation of these Terms; (b) your use or reliance upon any of the Company Content; (c) your violation of the rights of any third party, (d) any claim that one of your User Submissions caused damage to a third-party, or (e) any claim or demand by a third-party arising out of your use of any third-party website. This obligation to indemnify and hold harmless will survive the expiration or termination of these Terms and your cessation of use of the Company Content.

  11. TERM AND TERMINATION

    1. Except as otherwise specified herein, these Terms commence on your first use of any of the Company Content and continue until you cease to use the Company Content or your subscription, if any, expires or has been terminated, whichever is later.

    2. The Company may terminate your access to and use of the Company Content at any time. Cause for such termination shall include, but not be limited to (i) breaches or violations of these Terms or other agreements or guidelines, (ii) requests by law enforcement or other governmental or regulatory authorities or (iii) violation or unauthorized use of copyrights or other intellectual property. Cancellation or termination of your account, services or subscriptions by the Company shall not relieve you of any obligation to pay any accrued fees or charges. You may not access or use the Company Content after termination or notification of the same.

  12. DISPUTE RESOLUTION BY MANDATORY BINDING ARBITRATION AND CLASS ACTION WAIVER

    PLEASE READ THIS PROVISION CAREFULLY; IT REQUIRES YOU TO ARBITRATE DISPUTES WITH KARMAHOLIC MEDIA, LLC (THE “COMPANY”) ON AN INDIVIDUAL BASIS.

    1. You agree that any dispute or claim arising from or relating to the Company’s services, content, advertising, or marketing practices shall be resolved through binding, final, and confidential arbitration before a single arbitrator administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. You expressly waive your right to a court hearing, jury trial, or participation in any class action, collective action, or representative proceeding. This provision is governed by the Federal Arbitration Act (FAA), 9 U.S.C. §§ 1-16, and the arbitrator shall apply Utah substantive law consistent with the FAA, with authority to award all remedies available in an individual lawsuit, including compensatory, statutory, punitive damages, declaratory, injunctive, and equitable relief (including public injunctive relief where permitted), as well as attorneys’ fees and costs under applicable law. The arbitrator has exclusive authority to determine arbitrability and may only resolve individual disputes between you and the Company, without consolidating claims or proceedings, absent the Company’s consent. The arbitrator shall not hear class, representative, or consolidated claims. The costs of the arbitration, including any AAA administration fee, the arbitrator’s fee, and costs for the use of facilities during the hearings, shall be borne equally by the parties to the arbitration. Judgment on the award may be entered in any court of competent jurisdiction. The arbitrator shall not have any power to alter, amend, modify, or change any of the terms of this Agreement, nor to grant any remedy which is either prohibited by this Agreement or not available on the basis of applicable law. The arbitrator shall not have the power to make any award or grant any remedy on the basis of equity. If any part of this provision is unenforceable as to a specific claim or remedy, that claim or remedy (and only that) must be litigated in court, with all others arbitrated. Notwithstanding the above, the Company may seek injunctive or equitable relief in Utah state or federal courts for any misappropriation or infringement of its intellectual property rights, and you consent to personal jurisdiction and venue in the Third District Court, Salt Lake County, Utah. Unless you opt out timely, you forfeit rights to: (a) court or jury resolution; (b) full pre-hearing discovery; (c) class participation; (d) private attorney general actions; or (e) claim consolidation. Other court-available rights may be limited in arbitration. To opt out, send a letter within 30 days of your initial purchase or opt-in to: Karmaholic Media, LLC, Attn: Legal Department, 2825 E. Cottonwood Parkway, Suite 500, Salt Lake City, UT 84121, including your name, the service accessed, and your intent to opt out.

    2. Notwithstanding anything to the contrary in the AAA Rules, you and the Company agree that the filing of arbitration, the arbitration proceeding, any documents exchanged or produced during the arbitration proceeding, any briefs or other documents prepared for the arbitration, and the arbitral award shall all be kept fully confidential and shall not be disclosed to any other party, except to the extent necessary to enforce this arbitration provision, arbitral award or other rights of the parties, or as required by law or court order. This confidentiality provision does not foreclose the AAA from reporting certain consumer arbitration case information as required by state law.

  13. MISCELLANEOUS

    1. This Agreement, including any referenced documents such as the Privacy Policy, constitutes the entire agreement between you and the Company relating to your use of the Company Content and supersedes any and all prior or contemporaneous written or oral agreements on that subject between you and the Company. If any provision of this Agreement is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from the Agreement and shall not affect the validity and enforceability of any remaining provisions.

    2. The laws of the State of Utah, without reference to conflicts of law rules, govern this Agreement and any dispute of any sort that might arise between you and the Company.

    3. You and the Company agree that the entirety of our relationship is a contractual one governed by this Agreement. Any controversy or claim arising out of or related to the provision of services or materials by you and the Company shall be resolved solely based on this Agreement.

    4. Notwithstanding the foregoing, the Company may seek injunctive or other relief in any state, federal, or national court of competent jurisdiction for any actual or alleged infringement of our, our affiliates, or any third-party’s intellectual property or other proprietary rights. You and the Company agree to submit to the personal and exclusive jurisdiction of the federal and state courts located within the Third District Court, Salt Lake County, State of Utah, and waive any jurisdictional, venue, or inconvenient forum objections to such courts.

Company Websites

The following are the primary websites operated by Karmaholic Media, LLC, where these Terms of Service apply:

Websites:

Privacy Policy: https://karmaholicmedia.com/privacy-policy/ (details on data collection and sharing).

Terms of Service: https://karmaholicmedia.com/terms-of-service/ (governing use of all Company Content).

Social Media Profiles:

Partner Websites

Karmaholic Media, LLC, shares user information (including leads and contact details like phone numbers for SMS) with the following categories of partners, affiliates, and third parties for marketing, advertising, and lead generation purposes in the financial publishing space. This sharing is governed by our Privacy Policy and your opt-in consents. The list below includes general categories; specific partners may vary and will be updated as needed. If a specific website is known, it is listed:

Affiliates and Business Partners: Entities affiliated with Karmaholic Media for joint ventures in financial publishing (e.g., financial newsletter providers or investment platforms:

Advertisers and Marketers: Third-party advertisers in the finance industry who receive leads for promotional communications (e.g., email and SMS campaigns—no specific websites listed).

Sponsors and Networks: Sponsoring entities or marketing networks that collaborate on list monetization (no specific websites listed).

Service Providers and Data Aggregators: Vendors handling data processing, lead sales, or analytics (no specific websites listed).

Other Third Parties: Purchasers of lead data or authorized recipients as per user consents (no specific websites listed).

Note on Updates: This list is provided for transparency and may be revised at any time. Changes will be posted here, and your continued use of Company Content constitutes acceptance. For questions about specific sharing, contact us at [email protected]. This does not limit our rights under the Terms or Privacy Policy.