Terms of Service

1. Acceptance of Terms

By accessing or using the Platform, you confirm that you have read, understood, and agreed to be bound by these Terms, as well as our Legal Disclaimer and Privacy Policy, which are incorporated by reference.

If you do not agree to these Terms, you must not access or use the Platform.

2. Description of the Platform

The Balanced Investor Club provides software tools, data, and content intended to support DIY investors, including but not limited to:

• Market data and analytical tools
• Portfolio tracking and performance analytics
• Alerts, indicators, and notifications
• Educational and informational content

The Platform is provided as a technology service and does not offer financial, investment, or trading advice.

3. Disclaimer and No Financial Advice

Your use of the Platform is subject to the Legal Disclaimer, which forms an integral part of these Terms.

Without limitation:

• All content and tools are provided for educational and informational purposes only
• Nothing on the Platform constitutes financial, investment, or trading advice
• We do not recommend any security, transaction, or strategy
• You remain solely responsible for your investment decisions

4. User Accounts and Responsibilities

To access certain features, you may be required to create an account.

You agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of your login credentials
• Be responsible for all activity conducted under your account
• Notify us promptly of any unauthorized access or security breach

We reserve the right to suspend or terminate accounts that violate these Terms.

5. Subscriptions, Billing, and Payments

The Platform may offer free and paid subscription plans with different features and usage limits.

Unless otherwise stated:

• Subscription fees are billed in advance
• Fees are non-refundable, except where required by applicable law
• We may modify pricing or plan features with reasonable notice

Failure to complete payment may result in suspension or termination of access to paid features.

6. Risk Disclosure

Investing and trading in financial markets involves risk, including the potential loss of capital.

You acknowledge that:

• Market data may be delayed or inaccurate
• Tools, alerts, and indicators are not predictive or guaranteed
• Past performance does not indicate future results

Use of the Platform does not eliminate investment risk.

7. Data Accuracy and Availability

While we strive to provide useful and timely information, we do not guarantee the accuracy, completeness, timeliness, or availability of any data or content on the Platform.

The Platform is provided "as is" and "as available", and may be interrupted, modified, or discontinued at any time.

8. Intellectual Property

All content, software, designs, trade names, trademarks, logos, data, text, graphics, interfaces, and other materials available on or through the Platform are owned by or licensed to The Balanced Research Club Corporation or its licensors and are protected by applicable intellectual property and proprietary rights laws.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for your personal, non-commercial use.

Except as expressly permitted by these Terms, you may not:

• Copy, reproduce, modify, adapt, or create derivative works of the Platform or its content
• Distribute, publish, sublicense, sell, or otherwise exploit the Platform or its content
• Reverse engineer, decompile, or attempt to extract source code
• Remove or alter any proprietary notices or branding

Nothing in these Terms grants you any right, title, or interest in or to the Platform or any associated intellectual property rights, except for the limited license expressly granted herein.

9. Prohibited Uses

You agree not to use the Platform:

• For any unlawful purpose
• To violate applicable laws or regulations
• To interfere with the security or operation of the Platform
• To impersonate any person or entity
• To scrape, harvest, or misuse data without authorization

We reserve the right to investigate and take appropriate action for violations.

10. Suspension and Termination

We may suspend or terminate your access to the Platform at any time, with or without notice, if:

• You breach these Terms
• We are required to do so by law
• We discontinue the Platform or a specific feature

Termination does not limit any rights or remedies available to us.

11. Limitation of Liability

To the maximum extent permitted by applicable law, The Balanced Investor Club and its owners, employees, contractors, and affiliates shall not be liable for any indirect, incidental, consequential, special, or punitive damages, or any loss of data or profits, arising out of or related to your use of, or inability to use, the Platform.

12. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated via the Platform or email.

Continued use of the Platform after changes take effect constitutes acceptance of the revised Terms.

13. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the State of Wyoming, United States, without regard to its conflict-of-law principles.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Platform shall be subject to the exclusive jurisdiction of the state and federal courts located in the State of Wyoming, unless mandatory law provides otherwise.

14. Contact Information

For questions regarding these Terms, please contact us at:

Email: legal@thebalancedinvestorclub.com
Company: The Balanced Research Club Corporation
Address: 8461 Lake Worth Road, Suite 121, Lake Worth, FL 33467
Jurisdiction: State of Wyoming, United States