scott@harringtonassociates.net

Terms of Service

Last Updated: 10/24/2024

DISCLAIMER

The information, data, analyses, and opinions presented herein (a) do not constitute investment advice, (b) are provided solely for informational purposes and therefore are not, individually or collectively, an offer to buy or sell a security, (c) are not warranted to be correct, complete or accurate, and (d) are subject to change without notice. The Monetary Catalyst, a DBA of Harrington Associates LLC, shall not be responsible for any trading decisions, damages, or other losses resulting from or related to the use of the information, data, analyses, or opinions presented herein. The information herein may not be reproduced or retransmitted in any manner without prior written consent from The Monetary Catalyst.

The Monetary Catalyst has obtained data, statistics, and information from sources believed to be reliable. However, it does not perform audits or seek independent verification of the data, statistics, and information it receives.

The Monetary Catalyst does not provide tax, legal, or accounting advice. This material has been prepared for informational purposes only and is not intended to provide, and should not be relied upon for, tax, legal, or accounting advice. You should consult your tax, legal, and accounting advisors before engaging in any transaction.

1. Acceptance of Terms

By accessing or using The Monetary Catalyst website, services, or subscription-based content ("Services"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you are prohibited from using or accessing the Services.

We reserve the right to modify these Terms at any time, and such changes will be effective immediately upon posting. Your continued use of the Services after the posting of any changes constitutes your acceptance of the updated Terms.

2. Subscription and Payment

2.1 Subscription Plans

The Monetary Catalyst offers various subscription plans for access to premium content. By subscribing, you agree to the pricing and terms presented at the time of purchase. All subscription fees are non-refundable. Access to premium content will be granted once payment has been successfully processed.

2.2 Auto-Renewal

All subscriptions automatically renew unless canceled at least 24 hours prior to the renewal date. The payment method on file will be charged the applicable renewal fees. You may cancel your subscription by managing your billing settings within your account.

2.3 Cancellation

You may cancel your subscription at any time, but no refunds or credits will be provided for unused portions of the subscription term. To cancel, please visit the "My Account" section of our website.

2.4 Pricing Changes

The Monetary Catalyst reserves the right to adjust pricing for its Services at any time. Any price changes will apply to subsequent billing cycles and will be communicated to you in advance.

3. Intellectual Property and Copyright

All content, including but not limited to text, images, data, analyses, articles, charts, and any other material provided on The Monetary Catalyst platform ("Content"), is protected by U.S. and international copyright laws. You may not reproduce, distribute, transmit, publicly display, or create derivative works from any of the Content without prior written permission from The Monetary Catalyst.

You are granted a limited, non-exclusive, non-transferable license to access and use the Content for personal, non-commercial use only. Any unauthorized use of the Content may result in legal action.

4. Restrictions on Use

By using The Monetary Catalyst, you agree not to:

  • Use the Content for any unlawful purpose.
  • Engage in any conduct that could disable, damage, or impair the functionality of the Services.
  • Attempt to gain unauthorized access to any systems or networks connected to the Services.
  • Copy, distribute, or disclose any part of the Services without prior written permission.
  • Violate any applicable local, state, national, or international law while using the Services.

5. User Account

To access certain features of the Services, you may need to create an account. You agree to provide accurate, complete, and current information during registration and to update it as necessary. You are responsible for maintaining the confidentiality of your account and password and for any activities that occur under your account.

The Monetary Catalyst reserves the right to terminate or suspend accounts that violate these Terms or are associated with unlawful or harmful activity.

6. Third-Party Services

The Monetary Catalyst may use third-party services for payment processing, data analytics, and content delivery (e.g., Stripe, Google Analytics). By using the Services, you agree to the collection and use of your data by these third-party providers as outlined in our Privacy Policy.

We are not responsible for any issues arising from third-party services and are not liable for their content or data practices.

7. Content Disclaimer

All Content provided on The Monetary Catalyst is for informational purposes only and should not be construed as financial, investment, or legal advice. The Monetary Catalyst makes no warranties or representations as to the accuracy, completeness, or reliability of the Content.

You are solely responsible for your decisions based on the Content, and The Monetary Catalyst is not liable for any losses, damages, or other liabilities arising from your use of the Content.

8. Limitation of Liability

To the fullest extent permitted by applicable law, The Monetary Catalyst and its affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Services.

In no event shall The Monetary Catalyst's liability exceed the total amount paid by you to access the Services over the previous 12 months.

9. Termination

The Monetary Catalyst reserves the right to terminate or suspend your access to the Services at any time, for any reason, including but not limited to a violation of these Terms. Upon termination, all licenses granted to you will immediately cease.

10. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of New Jersey, without regard to its conflict of laws principles. Any legal actions or proceedings arising under these Terms will be subject to the exclusive jurisdiction of the courts located in New Jersey.

11. Arbitration Agreement

Any dispute, controversy, or claim arising out of or relating to these Terms, including the breach, termination, or validity thereof, shall be resolved by binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in New Jersey, and the language of the arbitration shall be English.

12. Entire Agreement

These Terms, along with the Privacy Policy, constitute the entire agreement between you and The Monetary Catalyst regarding the use of the Services. Any amendments or modifications to these Terms must be made in writing and signed by an authorized representative of The Monetary Catalyst.