TERMS OF SERVICE AGREEMENT
Effective Date: January 1, 2025
Last Updated: January 1, 2025
1. ACCEPTANCE OF TERMS
By accessing, browsing, or using EquityJournal.com (the "Website"), purchasing any educational materials, or participating in our affiliate program, you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"), all applicable laws and regulations, and acknowledge that you are responsible for compliance with any applicable local, state, and federal laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site.
The Website is owned and operated by Ask Banker LLC, a Wyoming limited liability company ("Company," "we," "us," or "our").
2. EDUCATIONAL PURPOSE ONLY - IMPORTANT DISCLAIMERS
2.1 Educational Content Only
ALL CONTENT, MATERIALS, COURSES, EBOOKS, VIDEOS, WEBINARS, AND COMMUNICATIONS PROVIDED THROUGH THIS WEBSITE ARE STRICTLY FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. Nothing on this website constitutes:
Financial advice or recommendations
Investment advice or recommendations
Tax advice or planning
Legal advice or services
Insurance advice or recommendations
Business consulting or advisory services
Personalized recommendations for any individual situation
2.2 No Advisory Relationship
No attorney-client, accountant-client, financial advisor-client, or any other professional advisory relationship is created between you and the Company through your use of this website or purchase of educational materials.
2.3 Professional Consultation Required
You are expressly advised and encouraged to consult with licensed professionals (attorneys, CPAs, financial advisors, investment advisors, insurance agents) before making any financial, legal, tax, investment, or business decisions. Individual circumstances vary significantly, and what may be appropriate for one person may not be suitable for another.
3. EARNINGS AND INCOME DISCLAIMERS
3.1 No Income Guarantees
THE COMPANY MAKES NO REPRESENTATIONS, WARRANTIES, OR GUARANTEES REGARDING INCOME, EARNINGS, OR FINANCIAL RESULTS. Any examples, case studies, testimonials, or success stories shared are for educational illustration purposes only and do not represent typical results.
3.2 Typical Results Statement
MOST PEOPLE WHO PURCHASE EDUCATIONAL MATERIALS DO NOT ACHIEVE ANY FINANCIAL RESULTS. Success in business and investing requires dedication, hard work, market knowledge, capital, and favorable market conditions, among other factors beyond our control.
3.3 Individual Results Vary
Your individual results will depend entirely on numerous factors including but not limited to: your background, experience, work ethic, business skills, market conditions, economic factors, and circumstances entirely beyond our control. No specific financial outcomes are promised, guaranteed, or implied.
3.4 Forward-Looking Statements
Any projections, forecasts, or forward-looking statements are speculative and based on assumptions that may prove incorrect. Past performance does not predict future results.
4. INVESTMENT AND FINANCIAL RISK DISCLAIMERS
4.1 Investment Risks
All investments carry risk of loss. The value of investments can go down as well as up, and you may lose some or all of your invested capital. Diversification does not guarantee profits or protect against losses.
4.2 No Investment Advice
We do not provide investment advice, recommendations, or manage investments. We are not registered investment advisors, broker-dealers, or financial planners with any regulatory body.
4.3 Regulatory Compliance
You are solely responsible for ensuring compliance with all applicable securities laws, tax regulations, and financial regulations in your jurisdiction.
5. INTELLECTUAL PROPERTY RIGHTS
All materials on this website, including but not limited to text, graphics, logos, images, audio clips, video clips, digital downloads, data compilations, and software, are the property of Ask Banker LLC or its content suppliers and are protected by United States and international copyright, trademark, and other intellectual property laws.
5.1 Limited License
You are granted a limited, non-exclusive, non-transferable license to access and use educational materials for personal, non-commercial educational purposes only.
5.2 Prohibited Uses
You may not reproduce, distribute, modify, create derivative works, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website without prior written consent.
6. AFFILIATE PROGRAM TERMS
6.1 Affiliate Compliance
All affiliates must comply with:
FTC disclosure requirements (clearly identifying affiliate relationships)
All applicable advertising and marketing laws
Platform-specific terms of service
Truthful advertising standards
6.2 Prohibited Affiliate Activities
Affiliates may not:
Make income claims or guarantees
Provide investment, financial, or tax advice
Use misleading or deceptive marketing practices
Spam or engage in unsolicited marketing
Bid on trademarked terms in paid advertising
Create misleading landing pages or funnels
6.3 Affiliate Indemnification
Affiliates agree to indemnify and hold harmless the Company from any claims arising from their promotional activities or violations of these terms.
6.4 Commission Structure
Commission rates, payment terms, and program rules are subject to change with 30 days' notice and are detailed in the separate Affiliate Agreement.
7. LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL ASK BANKER LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, AGENTS, CONTRACTORS, INTERNS, SUPPLIERS, SERVICE PROVIDERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:
Your use of or inability to use the website or educational materials
Any conduct or content of any third party on the website
Any content obtained from the website
Unauthorized access, use, or alteration of your transmissions or content
THE TOTAL LIABILITY OF THE COMPANY FOR ANY CLAIMS ARISING FROM OR RELATED TO THIS WEBSITE SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
8. INDEMNIFICATION
You agree to defend, indemnify, and hold harmless Ask Banker LLC, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:
Your violation of these Terms
Your use of the website or educational materials
Your breach of any representation, warranty, or covenant made herein
Any financial decisions you make based on educational content
Any third-party claims related to your use of our materials
9. DISPUTE RESOLUTION AND ARBITRATION
9.1 Binding Arbitration
ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS, THE WEBSITE, OR EDUCATIONAL MATERIALS SHALL BE SETTLED BY BINDING ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (AAA) UNDER ITS COMMERCIAL ARBITRATION RULES.
9.2 Jurisdiction and Venue
All arbitration proceedings shall take place in Charlotte, North Carolina. The arbitration shall be conducted by a single arbitrator, and the decision shall be final and binding.
9.3 Class Action Waiver
YOU AGREE THAT ANY ARBITRATION SHALL BE LIMITED TO THE DISPUTE BETWEEN US AND YOU INDIVIDUALLY. TO THE FULL EXTENT PERMITTED BY LAW, NO ARBITRATION SHALL BE JOINED WITH ANY OTHER PROCEEDING OR PROCEED AS A CLASS ACTION.
9.4 Small Claims Exception
Either party may pursue claims in small claims court for disputes within that court's jurisdiction.
10. GOVERNING LAW
These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law principles.
11. REFUND POLICY
All sales of educational materials are final. Due to the digital nature of our educational products, no refunds are provided once access has been granted.
12. PRIVACY POLICY
We respect your privacy and handle personal data in accordance with our Privacy Policy, which is incorporated by reference into these Terms.
13. MODIFICATIONS TO TERMS
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after posting constitutes acceptance of the modified Terms.
14. SEVERABILITY
If any provision of these Terms is deemed invalid, unlawful, or unenforceable, the remainder of the Terms shall remain in full force and effect.
15. FORCE MAJEURE
The Company shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including but not limited to acts of God, war, terrorism, riots, embargo, acts of civil or military authorities, fire, floods, accidents, pandemics, network infrastructure failures, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.
16. CONTACT INFORMATION
For General Support: Email: [email protected]
For Legal Matters: Ask Banker LLC
30 N Gould St Ste 11901
Sheridan, WY 82801
Email: [email protected]
17. ACCESSIBILITY STATEMENT
EquityJournal.com is committed to digital accessibility for people with disabilities. We strive to create an inclusive online experience in accordance with the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA.
Our Accessibility Features Include:
Full keyboard navigation
Screen reader compatibility
Adjustable text sizing
High-contrast colors and legible fonts
Alt text for all relevant images
For accessibility support, contact: [email protected]
BY USING THIS WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.
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