The following Terms of Service (the “Terms“) govern your use of this website, provided to you by Money Research Collective (“Company,” “we,” “us,” or “our”) or one of its subsidiaries; and any content, features or functionality made available from or through this website, including any subdomains thereof, other websites that we own or operate, our email newsletters, and any other applications and services owned and operated by us (together, the “Services“). 

We reserve the right, at our sole discretion, to change, modify, add or remove any portion of the Terms, in whole or in part, at any time. Changes to the Terms will be effective when posted. Your continued use of the Services and/or the services made available on or through the Services after any changes to the Terms are posted will be considered acceptance of those changes. It is your responsibility to review these Terms prior to each use of the Services.

We may terminate, change, suspend or discontinue any aspect of the Services at any time, especially if we believe you are in breach of these Terms, or applicable law, or for any other reason without notice or liability. 

PLEASE READ THESE TERMS CAREFULLY BEFORE USING ANY SERVICES, AS THESE TERMS AFFECT YOUR LEGAL RIGHTS AND INCLUDE A CLASS ACTION WAIVER. IF ANY OF THE TERMS AND CONDITIONS OF THESE TERMS OF SERVICE, OR ANY FUTURE CHANGES, ARE UNACCEPTABLE TO YOU, PLEASE DISCONTINUE YOUR USE OF THE SERVICES. 

BY ACCESSING THE SERVICES, YOU ACCEPT AND AGREE TO THESE TERMS AND CONDITIONS AS APPLIED TO YOUR USE OF THE SERVICES. Your acceptance of these Terms constitutes your consent to the processing activities described in our #PrivacyPolicy# under the laws of your jurisdiction. For information on how we collect, use, and share any personal information, please see our #PrivacyPolicy#.

Proprietary Rights

Content

As between you and us, we own, solely and exclusively, all rights, titles, and interest in and to the Services, all the published materials (including but not limited to, for example, images, audio, photographs, illustrations, graphics, other visuals, video, copy, text, software, titles, files, code, data, metadata and materials thereon, the look and feel, design, and organization of the Services; and the compilation of the content, code, data, other materials, or compilations; collectively the “Content”).

The Services and Content are protected by copyrights, trademarks, patents, trade secrets, database rights, sui generis rights, and other intellectual or proprietary rights therein pursuant to US and international laws. You must abide by all additional copyright notices, information, or restrictions contained in any Content accessed through the Services.

The Content is owned and controlled by us, unless otherwise indicated on the Services. We also own the copyright in the selection, coordination, compilation, and enhancement of such Content (“Arrangement”). Your use of the Services does not grant you ownership rights over any Content or Arrangement.

Trademarks

The trademarks, logos, service marks, and trade names (collectively the “Trademarks”) displayed on the Services, or on Content available through the Services, are our registered and unregistered Trademarks and may not be used in connection with products and/or services that are not related to, associated with, or sponsored by their rights holders that are likely to cause customer confusion, or in any manner that disparages or discredits their rights holders. All Trademarks not owned by us that appear on the Services are the property of their respective owners. Nothing contained in the Services should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Services without our written permission, or the party that may own the applicable Trademark. 

Your misuse of the Trademarks displayed on the Services or on or through any of the Services is strictly prohibited. Except as provided for in these Terms, you may not modify, publish, transmit, participate in the transfer or sale of, reproduce, create new or derivative works from, distribute, perform, display (including framing and linking), communicate to the public, or in any way exploit any Content (or its Arrangement) or the Services in whole or in part.

Submitted Materials

Unless specifically requested, we do not solicit nor do we wish to receive any confidential, secret, or proprietary information, or other material from you. Any information, creative works, demos, ideas, suggestions, concepts, methods, systems, designs, plans, techniques, or other materials submitted or sent to us, including, for example, and without limitation, that which you post to the Services or send to us via e-mail (the “Submitted Materials”) are not deemed confidential and may be used by us in any manner consistent with our #PrivacyPolicy#.

By submitting or sending Submitted Materials to us, you: (i) represent and warrant that the Submitted Materials are original to you, that no other party has any rights thereto, and that any “moral rights” in Submitted Materials have been waived, and (ii) you grant us and our affiliates a royalty-free, unrestricted, worldwide, perpetual, irrevocable, non-exclusive and fully transferable, assignable and sublicensable right and license to use, copy, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, display and incorporate in other works any Submitted Materials (in whole or part) in any form, media, or technology now known or later developed, including for promotional and/or commercial purposes. We cannot be responsible for maintaining any Submitted Materials that you provide to us, and we may delete or destroy any such Submitted Materials at any time.

 

Linking to our Services

You may link to our homepage or any sub-page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part without our prior express written consent. Without our express written permission, you may not: establish a link from any Services that are not owned by you; cause the Services or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking, or in-line linking, on any other site; or otherwise take any action with respect to the Content or the Services that is inconsistent with any other provision of these Terms. We reserve the right to withdraw linking permission. You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. 

Grant of Limited License

The Services are intended for your personal, noncommercial use. You may download or copy the Content and other downloadable materials from the Services for your personal, noncommercial use only, provided that you maintain all copyright and other notices contained therein. Copying or storing of any Content for other than personal use is expressly prohibited without prior written permission from us, or from the copyright holder identified in the copyright notice contained in the Content.

You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on our Services, except as follows:

• Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
• You may store files that are automatically cached by your Web browser for display enhancement purposes.
• You may print or download one copy of a reasonable number of pages of the Services for your own personal, non-commercial use; and not for further reproduction, publication, or distribution.
• If we provide desktop, mobile, or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications.
• If we provide social media features with certain content, you may take such actions as are enabled by such features.

You must not:

• Modify copies of any materials from this site.
• Use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text.
• Delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from this site.
• Access or use for any commercial purposes any part of the Services or any services or materials available through the Services.

Access to the Services

We may change, suspend, withdraw, amend, or discontinue any aspect of the Services at any time, in our sole discretion, including the availability of any Services feature, database, or content, with or without notice. We may also impose limits on certain features and services or restrict your access to parts or all of the Services without notice or liability. From time to time, we may also restrict access to some parts of the Services, or the entire Services, to certain users, such as registered users. Unless otherwise specified on the Services, we are not liable if for any reason all or any part of the Services is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to the Services and ensuring that all persons who access the Services through your internet connection are aware of these Terms and comply with them.

Geographic Restrictions

The owner of the Services is based in the Commonwealth of Puerto Rico. We provide the Services for use only by persons located in the United States and its related territories. We make no claims that the Services or any of its content is accessible or appropriate outside of the United States and its related territories. Access to the Services may not be legal by certain persons or in certain countries. If you access the Services from outside the United States and its related territories, you do so on your own initiative and are responsible for compliance with local laws.

Reliance on Information Posted

The information presented on or through the Services is made available solely for general information and entertainment purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We are not responsible or liable to you or any third party for the Content or accuracy of any materials provided by any third parties on or through the Services.

Communications

You consent to receive notifications from us electronically to the e-mail address you provide to us. You agree that all notices, disclosures, and other communications that we electronically provide satisfy any legal requirement for communications that need to be delivered in writing; and that you have the ability to store such electronic communications such that they remain accessible to you in an unchanged form.

Photosensitive Seizures

A very small percentage of people may experience a seizure when exposed to certain visual images, such as flashing lights or patterns that may appear in video games or other electronic or online content. Even people who have no history of seizures or epilepsy may have an undiagnosed condition that can cause these “photosensitive epileptic seizures” while watching video games or other electronic content. These seizures have a variety of symptoms, including lightheadedness, disorientation, confusion, momentary loss of awareness, eye or face twitching, altered vision, or jerking or shaking of arms or legs. If you experience any of the foregoing symptoms, or if you or your family has a history of seizures or epilepsy, you should immediately stop using the Services and consult a doctor.

Third Parties

Some content or applications on the Services are served by third parties, including advertisers, ad networks, ad servers, content providers, and application providers. Being exposed to advertising is a condition of accessing the Services. The Services may also link to third-party websites, online services, or mobile applications and/or contain advertisements from third parties that are not affiliated with us and which may link to other services or applications. We disclaim any liability for links from another website to our Services, and from our Services to another website. We cannot and do not guarantee, control, endorse, sponsor, recommend or otherwise accept responsibility for the information or standards of any websites that we link to from the Services, nor will we be held responsible for the content of such sites, or any subsequent links. We do not represent or warrant that the contents of any third-party website are accurate, compliant with state or federal law, or compliant with copyright or other intellectual property laws. Furthermore, we are not responsible for any form of transmission received from any linked websites or applications. Any reliance on the contents of a third-party website or application is at your own risk, and you assume all responsibilities and consequences resulting from such reliance. Because we are not responsible for these third-party sites, the content, or their privacy practices, you should direct any concerns to such sites.

Disputes

Choice of Law

These Terms have been made and shall be construed and enforced in accordance with the laws of the United States of America and the Commonwealth of Puerto Rico as an agreement wholly performed therein without regard to their conflict of law provisions and the United Nations Conventions on Contracts (as applicable).

Indemnification

You agree to defend, indemnify and hold us and our affiliates and our affiliates’ directors, officers, employees, and agents harmless from any and all claims, liabilities, costs, and expenses, including attorneys’ fees, arising in any way from your use of the Services, your placement or transmission of any message, content, information, software or other materials through the Services, or your breach or violation of the law or of these Terms. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with our defense of such claims.

Arbitration

At our sole discretion, we may require you to submit any disputes arising from the violation of these Terms, (including, but not limited to, disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination), to a final and binding arbitration under the Rules of Arbitration of the American Arbitration Association, applying the internal laws of the Commonwealth of Puerto Rico without giving effect to any choice or conflict of law provision or rule (whether of the Commonwealth of Puerto Rico or any other jurisdiction).

Litigation

All matters relating to the Services and these Terms and, any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the Commonwealth of Puerto Rico without giving effect to any choice or conflict of law provision or rule (whether of the Commonwealth of Puerto Rico or any other jurisdiction).

Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Services shall be instituted exclusively in the federal courts of the United States or the courts of the Commonwealth of Puerto Rico, in each case located in the City of San Juan.

We retain the right to bring any suit, action, or proceeding against you for breach of these Terms or applicable laws in your country of residence, or any other relevant country. You waive any and all objections to the exercise of jurisdiction and venue over you by such courts. 

All parties to these Terms waive their respective rights to a trial by jury.

Any claim or cause of action arising out of or related to the use of the Services or these Terms of Services must be filed within one year after such claim or cause of action arose or be forever barred.

Any claim by you that may arise in connection with these Terms of Service will be compensable by monetary damages and you will in no event be entitled to injunctive or other equitable relief. 

DISCLAIMER OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAWS, THE SERVICES, INCLUDING, WITHOUT LIMITATION, ALL CONTENT, FEATURES, DATA, FUNCTIONS, AND MATERIALS PROVIDED THROUGH THE SERVICES, ARE PROVIDED “AS IS,” “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY FOR INFORMATION, DATA, DATA PROCESSING SERVICES, UPTIME OR UNINTERRUPTED ACCESS, ANY WARRANTIES CONCERNING THE AVAILABILITY, PLAYABILITY, DISPLAYABILITY, ACCURACY, PRECISION, CORRECTNESS, THOROUGHNESS, COMPLETENESS, USEFULNESS, OR CONTENT OF INFORMATION, AND ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, AND WE HEREBY DISCLAIM ANY AND ALL SUCH WARRANTIES, EXPRESS AND IMPLIED. WE DO NOT WARRANT THAT THE SERVICES OR THE SERVICES, CONTENT, FUNCTIONS, OR MATERIALS PROVIDED THROUGH THE SERVICES WILL BE TIMELY, SECURE, UNINTERRUPTED, OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. WE MAKE NO WARRANTY THAT THE SERVICES OR THE PROVIDED SERVICES WILL MEET USERS’ REQUIREMENTS. NO ADVICE, RESULTS, OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. WE AND OUR AFFILIATES ALSO ASSUME NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY DAMAGES TO, OR MALICIOUS CODE THAT MAY INFECT, YOUR EQUIPMENT ON ACCOUNT OF YOUR ACCESS TO, USE OF, OR BROWSING IN THE SERVICES OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO CONTENT, OR AUDIO CONTENT FROM THE SERVICES. IF YOU ARE DISSATISFIED WITH THE SERVICES, YOUR SOLE REMEDY IS TO DISCONTINUE USING THE SERVICES.

WE TRY TO ENSURE THAT THE INFORMATION POSTED ON THE SERVICES IS CORRECT AND UP-TO-DATE. WE RESERVE THE RIGHT TO CHANGE OR MAKE CORRECTIONS TO ANY OF THE INFORMATION PROVIDED ON THE SERVICES AT ANY TIME AND WITHOUT ANY PRIOR WARNING. WE NEITHER ENDORSE NOR ARE RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE, OR STATEMENT ON THE SERVICES, NOR FOR ANY OFFENSIVE, DEFAMATORY, OBSCENE, INDECENT, UNLAWFUL, OR INFRINGING POSTING MADE THEREON BY ANYONE OTHER THAN OUR AUTHORIZED EMPLOYEE SPOKESPERSONS WHILE ACTING IN THEIR OFFICIAL CAPACITIES (INCLUDING, WITHOUT LIMITATION, OTHER USERS OF THE SERVICES). IT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS, OR USEFULNESS OF ANY INFORMATION, OPINION, ADVICE, OR OTHER CONTENT AVAILABLE THROUGH THE SERVICES. YOU SHOULD NOT RELY ON THE CONTENT AS A SUBSTITUTE FOR, NOR DOES IT REPLACE, THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC INFORMATION, OPINION, ADVICE, OR OTHER CONTENT, INCLUDING BUT NOT LIMITED TO FINANCIAL, HEALTH, LEGAL, TAX, LIFESTYLE INFORMATION, OPINION, ADVICE OR OTHER.

PRIOR TO THE EXECUTION OF A PURCHASE OR SALE OF ANY SECURITY OR INVESTMENT, YOU ARE ADVISED TO CONSULT WITH YOUR BROKER OR OTHER FINANCIAL ADVISOR TO VERIFY PRICING AND OTHER INFORMATION. WE SHALL HAVE NO LIABILITY FOR INVESTMENT DECISIONS BASED UPON, OR THE RESULTS OBTAINED FROM, THE CONTENT PROVIDED HEREIN. NOTHING CONTAINED IN THE SERVICES SHALL BE CONSTRUED AS INVESTMENT ADVICE. WE ARE NOT A REGISTERED BROKER-DEALER OR INVESTMENT ADVISOR AND DO NOT GIVE INVESTMENT ADVICE OR RECOMMEND ONE PRODUCT OVER ANOTHER. YOU HEREBY ACKNOWLEDGE THAT THE USE OF THE SERVICES IS AT YOUR SOLE RISK.

WITHOUT LIMITATION OF THE ABOVE IN THIS SECTION, WE AND OUR AFFILIATES, SUPPLIERS, AND LICENSORS MAKE NO WARRANTIES OR REPRESENTATIONS REGARDING ANY PRODUCTS OR SERVICES ORDERED OR PROVIDED VIA THE SERVICES, AND HEREBY DISCLAIM, AND YOU HEREBY WAIVE, ANY AND ALL WARRANTIES AND REPRESENTATIONS MADE IN PRODUCT OR SERVICES LITERATURE, FREQUENTLY ASKED QUESTIONS DOCUMENTS AND OTHERWISE ON THE SERVICES OR IN CORRESPONDENCE WITH US OR OUR AGENTS. ANY PRODUCTS AND SERVICES ORDERED OR PROVIDED VIA THE SERVICES ARE PROVIDED BY US “AS IS,” EXCEPT TO THE EXTENT, IF AT ALL, OTHERWISE SET FORTH IN A LICENSE OR SALE AGREEMENT SEPARATELY ENTERED INTO IN WRITING BETWEEN YOU AND US OR OUR LICENSOR OR SUPPLIER.

LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAWS, IN NO EVENT, INCLUDING BUT NOT LIMITED TO NEGLIGENCE, SHALL WE, OUR AFFILIATES, OR ANY OF OUR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR CONTENT OR SERVICE PROVIDERS (COLLECTIVELY, THE “PROTECTED ENTITIES”) BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES ARISING FROM, OR DIRECTLY OR INDIRECTLY RELATED TO, THE USE OF, OR THE INABILITY TO USE, THE SERVICES OR THE CONTENT, FEATURES, MATERIALS AND, FUNCTIONS RELATED THERETO, YOUR PROVISION OF INFORMATION VIA THE SERVICES, LOST BUSINESS OR LOST SALES, OR LOST GOODWILL, EVEN IF SUCH PROTECTED ENTITY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES (COLLECTIVELY, THE “EXCLUDED DAMAGES”). SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO CERTAIN USERS. IN NO EVENT SHALL THE PROTECTED ENTITIES BE LIABLE FOR OR IN CONNECTION WITH ANY CONTENT POSTED, TRANSMITTED, EXCHANGED, OR RECEIVED BY OR ON BEHALF OF ANY USER OR OTHER PERSON ON OR THROUGH THE SERVICES. IN NO EVENT SHALL THE TOTAL AGGREGATE LIABILITY OF THE PROTECTED ENTITIES TO YOU FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION (WHETHER IN CONTRACT OR TORT, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE OR OTHERWISE) ARISING FROM THE TERMS AND CONDITIONS OR YOUR USE OF THE SERVICES EXCEED, IN THE AGGREGATE, THE AMOUNT, IF ANY, PAID BY YOU TO US FOR YOUR USE OF THE SERVICES OR PURCHASE OF PRODUCTS VIA THE SERVICES. IF ANY APPLICABLE AUTHORITY HOLDS ANY PORTION OF THIS SECTION TO BE UNENFORCEABLE, THEN THE PROTECTED ENTITIES LIABILITY WILL BE LIMITED TO THE FULLEST POSSIBLE EXTENT PERMITTED BY APPLICABLE LAW.

WAIVER OF CLASS ACTIONS

YOU AND THE COMPANY AGREE THAT EACH PARTY MAY BRING DISPUTES AGAINST THE OTHER PARTY ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING, INCLUDING, WITHOUT LIMITATION, A FEDERAL OR STATE CLASS ACTION LAWSUIT. However, nothing in this paragraph limits your right or the Company’s right to bring a lawsuit against each other as individual plaintiffs.

Entire Agreement

These Terms constitute the sole and entire agreement between you and Company with respect to the Services, and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, with respect to the Services.

Waiver and Severability

No waiver by the Company of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

Contact Us

The Services are operated by:

Money Group, LLC
81-82 Street C
Vista Plaza Ste. 105
Dorado, PR, 00926

All other feedback, comments, requests for technical support, and other communications relating to the Services should be directed to support@moneyresearchcollective.com.