Terms of Service

Introduction

Welcome to the website of Finzig, which provides tools and content for those interested in quantitative finance and investing. This site, known as www.finzig.com and its subdomains (collectively, the "Site"), is for educational and entertainment purposes only. It does not offer or recommend securities or financial advice. Please read the following Terms of Service ("Terms") carefully, as they govern your use of the Site. By using the Site, you agree to these Terms. If you do not agree with any part of these Terms, you may not access or use the Site.

Your Acceptance

By using the Site, you agree to be bound by these Terms and the Finzig Privacy Policy available at https://finzig.com/privacy. Each visit to the Site signifies your acceptance of the current Terms and Privacy Policy. Finzig may revise these Terms at any time, and it is your responsibility to review them regularly. Continued use of the Site following any changes signifies your acceptance of the revised Terms. These Terms apply to all visitors and users of the Site ("Users").

The Site may contain links to third-party websites not owned or controlled by Finzig. Finzig is not responsible for the content, privacy policies, or practices of third-party websites. By using the Site, you release Finzig from any liability related to your use of third-party websites. We encourage you to review the Terms and privacy policies of any third-party sites you visit. The inclusion of any link does not imply endorsement or affiliation by Finzig.

Information Disclaimer

The Site may present a variety of financial market data, quotes, price forecasts, and other insights collectively referred to as "Information". This Information is independently gathered from financial market information services, research publishers, securities markets, and other sources, including computational algorithms. All data and Information are provided "as is" for educational and entertainment purposes, not as professional investment advice. Users are solely responsible for decisions based on Information found on the Site and are encouraged to seek advice from qualified financial professionals. Finzig does not provide professional services or act as a registered investment advisor. Use of the Site implies acknowledgment that Finzig assumes no responsibility for the consequences of actions taken based on the Information provided. While Finzig strives for accuracy, it does not guarantee or certify the correctness or timeliness of the Information. Users agree that Finzig and associated providers shall not be liable for any inaccuracies or interruptions in Information provision. Finzig reserves the right to modify or cease portions of the Site with or without notice, without assuming responsibility for internet access or availability.

Site Usage

Finzig hereby authorizes your utilization of the Site in accordance with these Terms of Use, provided that you adhere to these terms and any Terms of Use of Information Providers linked to the Site. Certain data displayed on the Site, such as stock prices and fundamentals, is licensed to us by third parties; thus, your use of such data may be subject to the Terms of Use of the respective Information Providers. You are permitted to utilize, print, duplicate, share links to, and download materials and outcomes ("Content") exhibited on the Site for both commercial and non-commercial purposes, except where explicitly prohibited by the Terms of Use of Information Providers. Should you utilize copied or downloaded content and outcomes, you consent to attributing the materials to their source and agree to retain all copyright and other proprietary notices present on the materials.

Access to certain features of the Site may necessitate registration. You must provide accurate and complete information during registration and must not use another user's registration without permission. You are responsible for all activities occurring under your registration and must safeguard your password. Except for web browser software or other applications formally approved by Finzig in writing, you agree not to employ any software, program, or device to access or log on to the Site or automate the retrieval, downloading, transfer, or transmission of any content, information, or quotes to or from the Site. You also agree not to use or initiate any automated system, including "robots," "spiders," "scrapers," or "offline readers," to access the Site.

Notwithstanding the above, Finzig grants permission to public search engine operators to utilize spiders to copy materials from the Site solely for the purpose of creating publicly available searchable indices of said materials. Finzig reserves the right to permanently or temporarily terminate, suspend, or deny access to the Site without notice or liability if, in Finzig's sole discretion, you violate any Terms of Use, including prohibited actions such as: using the Site for illegal purposes; attempting to compromise system integrity or security; overloading our infrastructure; uploading malicious software; impersonating others; submitting unauthorized information or content; interfering with the Site's proper functioning; circumventing access restrictions; or attempting to reverse engineer any source code.

Intellectual Property

The Information available on this Site is the exclusive proprietary property of Finzig and its third-party data or content providers, including Information Providers. Content, along with the trademarks, service marks, trade names, icons, and logos ("Marks"), is either owned by Finzig or licensed to Finzig and owned by the Information Provider. These assets are protected by copyright and other intellectual property rights under United States and foreign laws, as well as international conventions. Finzig and Information Providers reserve all proprietary rights in the Content and Marks.

Warranty Disclaimer

ALL INFORMATION PROVIDED ON THE SITE IS PRESENTED "AS IS" AND "AS AVAILABLE." YOUR UTILIZATION OF THE SITE INDICATES YOUR ACCEPTANCE OF THE SOLE RESPONSIBILITY FOR ANY RISKS THAT MAY ARISE. TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINZIG, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS RENOUNCE ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, ASSOCIATED WITH THE SITE AND ITS USAGE. FINZIG MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE ACCURACY, SUFFICIENCY, TIMELINESS, OR COMPLETENESS OF THE SITE'S CONTENT OR THE CONTENT OF ANY LINKED SITES, AND ASSUMES NO LIABILITY FOR (I) ERRORS, OMISSIONS, OR INACCURACIES IN CONTENT, (II) ANY HARM, WHETHER PERSONAL OR PROPERTY DAMAGE, ARISING FROM ACCESS TO OR USAGE OF THE SITE, (III) UNAUTHORIZED ACCESS TO OR USAGE OF OUR SECURE SERVERS OR ANY PERSONAL OR FINANCIAL DATA STORED THEREIN, (IV) INTERRUPTIONS, DELAYS, OR TERMINATION OF TRANSMISSIONS TO OR FROM THE SITE, (V) BUGS, VIRUSES, TROJAN HORSES, OR SIMILAR MALICIOUS SOFTWARE TRANSMITTED THROUGH THE SITE BY THIRD PARTIES, AND/OR (VI) ERRORS OR OMISSIONS IN ANY CONTENT OR ANY LOSS OR DAMAGE OF ANY NATURE ARISING FROM THE USAGE OF CONTENT POSTED, SENT, TRANSMITTED, OR OTHERWISE PROVIDED THROUGH THE SITE. FINZIG MAKES NO GUARANTEE AGAINST DELETION, MIS-DELIVERY, OR FAILURE TO STORE COMMUNICATIONS, CUSTOMIZED SETTINGS, OR OTHER DATA. FINZIG DOES NOT WARRANT, ENDORSE, GUARANTEE, OR TAKE RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY THIRD PARTIES THROUGH THE SITE OR ANY LINKED WEBSITE, OR FEATURED IN ANY BANNER OR OTHER ADVERTISEMENT, AND FINZIG WILL NOT BE INVOLVED IN OR BE LIABLE FOR MONITORING TRANSACTIONS BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF ANY PRODUCT OR SERVICE THROUGH ANY CHANNEL OR IN ANY ENVIRONMENT, YOU SHOULD EXERCISE CAUTION AND USE YOUR BEST JUDGMENT.

Limitation of Liability

UNDER NO CIRCUMSTANCES SHALL FINZIG, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE HELD LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES ARISING FROM (I) ANY ERRORS, INACCURACIES, OR MISTAKES IN THE CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE RESULTING FROM YOUR ACCESS TO OR USE OF THE WEBSITE, (III) UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS OR ANY PERSONAL OR FINANCIAL INFORMATION STORED THEREIN, (IV) INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE WEBSITE, (V) BUGS, VIRUSES, TROJAN HORSES, OR SIMILAR ISSUES THAT MAY BE TRANSMITTED THROUGH THE WEBSITE BY THIRD PARTIES, (VI) ERRORS OR OMISSIONS IN ANY CONTENT, (VII) YOUR USE, OR INABILITY TO USE, ANY PART OF THE WEBSITE, OR (VIII) ANY LOSS OR DAMAGE RESULTING FROM THE USE OF CONTENT POSTED, EMAILED, TRANSMITTED, OR MADE AVAILABLE THROUGH THE WEBSITE. THIS LIMITATION OF LIABILITY APPLIES REGARDLESS OF WHETHER THE CLAIM IS BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND EVEN IF FINZIG HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION OF LIABILITY IS ENFORCEABLE TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.

Indemnity

You agree to indemnify and hold Finzig and its affiliates, agents, employees, and licensors harmless from any and all claims, damages, obligations, losses, liabilities, costs, or expenses (including but not limited to attorney's fees) arising from: (i) your utilization of and entrance to the Site; (ii) your breach of any provision of these Terms of Service; (iii) your infringement of any third-party entitlement, encompassing but not restricted to any copyright, property, or privacy right. This duty to defend and indemnify will remain in effect even after the termination of these Terms of Service or the cessation of your use of the Site.

Ability to Accept

By accessing the Site, you assert that you are either 18 years old or older, an emancipated minor, or have obtained legal consent from a parent or guardian, and possess full capacity and competence to agree to the terms, conditions, obligations, assertions, representations, and warranties outlined in these Terms of Service, and to adhere to and fulfill these Terms of Service. Regardless, you confirm that you are 13 years old or above, as the Site is not directed towards individuals under the age of 13. If you are under 13 years old, refrain from using the Site.

Assignment

You may not transfer or assign these Terms of Service, including any rights or licenses granted hereunder. However, Finzig retains the right to transfer or assign these terms without any limitations, which may include forming a partnership, merging with, or being acquired by another company.

Terms and Termination

Your authorization to utilize the Site pursuant to these Terms of Service shall cease immediately in the event of any non-compliance with a term or condition. Upon such breach, you consent to discontinuing access to the Site. You acknowledge that Finzig, at its sole discretion and with or without prior notice, reserves the right to terminate your access to any or all of the Site and to delete or remove any Content within the Site. Finzig may also, at its sole discretion and with or without prior notice, cease providing the Site. You further agree that Finzig shall not be held liable to you or any third party for any termination of your access to the Site.

Refund Policy

You have the option to terminate your Finzig account whenever you wish. However, please note that all financial transactions are deemed final, and refunds will only be provided if mandated by law.

Complete Agreement/Severability Waiver

By using the Site, you agree to the entirety of these Terms of Service, along with the Privacy Policy and any other official notices provided by Finzig. Should a court deem any provision within these Terms of Service invalid, it will not affect the validity of the remaining provisions, which will continue to be fully enforceable.

No Waiver

Failure to enforce any aspect of these Terms of Service does not imply a perpetual exemption of that aspect or any other, and Finzig's abstention from asserting any entitlement under these Terms of Service does not waive that entitlement. YOU AND FINZIG CONCUR THAT ANY LEGAL ACTION ARISING FROM OR CONNECTED TO THE SITE MUST BE INITIATED WITHIN ONE (1) YEAR OF THE ACTION'S OCCURRENCE. OTHERWISE, SUCH LEGAL ACTION IS FOREVER PROHIBITED.

Modifications

Finzig retains the authority, at its exclusive discretion, to amend, halt, or conclude the website, any segment thereof, or any content displayed therein without prior notice, or alter these Terms of Service. Should any revised terms and conditions be unacceptable to you, your only recourse is to discontinue using the website, and if applicable, terminate your Finzig account. By persisting in accessing or utilizing the website subsequent to any such modifications by Finzig, you consent to be governed by the updated Terms of Service.

 

Last Modified: July 1st, 2024