Terms and Conditions of Sale

Last updated: July 5, 2026

We're Investment Secretary LLC ("we", "us", or "our"), a Wyoming limited liability company operating our Services remotely from Arizona. These Terms and Conditions of Sale (our "Terms") form a legally binding agreement between you and us.

Key Definitions

• "Services" means all products and services provided by us that link to these Terms, including our website; the content provided, generated, or made available for or in relation to our Services (our "Materials"); paid investment information, data analysis, and our exclusive email newsletter; and any products or services connected to or relying on Third-Party Services.
• "You" ("your", the "customer", or the "user") means any individual using our Services, including any employees, agents, contractors, or other persons accessing our Services through your account ("Account") or with your authorization.
• "Using our Services" means interacting with our Services in any way, including accessing, browsing, creating an Account, making payments, providing or transmitting any other information, content, materials, or instructions through our Services, integrating with our Services, or doing so directly or through automated tools, scripts, software, or third-party applications.

By using our Services, you agree to be bound by these Terms, as well as our Privacy Policy and any other policies referenced within, which are expressly incorporated into these Terms. If you do not agree, you may not use our Services.

Our Services are intended for users aged 18 or older, or above the age of majority in their jurisdiction, whichever is higher. Persons below this age may not use our Services. If we become aware that a user is below the required age, we may suspend or terminate their access to our Services immediately and without liability.

By using our Services, you acknowledge and agree that:

• you are at least 18 years old (or the age of majority in your location, whichever is higher);
• you have the legal capacity to enter into these Terms, and if you are representing an organization or other legal entity, you have the authority to bind that entity;
• the information you provide to us is, and will remain, accurate, complete, and current;
• you are not located in, ordinarily resident in, or organized under the laws of any jurisdiction subject to comprehensive sanctions or embargoes, and you are not a blocked, denied, or otherwise restricted party under applicable sanctions or export control lists.

If you do not meet these requirements, you must not use our Services.

By using our Services, you warrant on behalf of yourself, your users, and other parties you represent that you will not:

• Modify, copy, prepare derivative works of, decompile, or reverse engineer any Materials, software, or content provided through our Services, without prior written permission from us.
• Remove, alter, or obscure any copyright, trademark, or other proprietary notations on any Materials or software available through our Services.
• Transfer, distribute, or "mirror" any part of our Services' Materials to another server or person without explicit authorization from us.
• Use our Services in a manner that knowingly or negligently disrupts or abuses our networks or any other services provided by us.
• Transmit, distribute, or post any harassing, indecent, obscene, fraudulent, or unlawful material through our Services.
• Use our Services in violation of any applicable local, state, national, or international laws or regulations.
• Engage in unauthorized advertising or spam activities using our Services.
• Harvest, collect, or gather user data without the explicit consent of the user or in violation of our Privacy Policy.
• Use our Services in a manner that infringes, misappropriates, or violates the privacy rights, intellectual property rights, or other rights of our company or any third party.
• Use automated scripts or technologies, including bots or data mining tools, to access, scrape, or extract data from our Services without explicit consent from us.
• Attempt to gain unauthorized access to any portion of our Services or any related systems or networks.
• Engage in any conduct that restricts or inhibits any other user from using or enjoying our Services, or which, in our judgment, exposes our company or any of its users to any liability or detriment of any kind.
• Access, use, export, re-export, transfer, or otherwise make available our Services or any underlying software, technology, or content in violation of any applicable export control, trade, or economic sanctions laws.
• Hide or misrepresent your identity, including by using false names, impersonating others, or concealing your status as a sanctioned or restricted party.
• Take advantage of any feature or functionality that a reasonable person would consider to be an obvious omission, bug, or error.
• Attempt to circumvent or bypass any functionalities, restrictions, usage limits, paywalls, geo-restrictions, or access features of our Services.

Failure to comply with these limitations may result in the suspension or termination of your access and rights to our Services, as well as any other legal remedies available to us.

We reserve the right to amend, remove, or vary these Terms at any time. Non-material changes may be effective immediately. For material changes, we may require you to re-accept the Terms to continue using our Services. We will provide you with reasonable notice as legally required, by any reasonable means, and such changes will become effective after the notice period. Changes required by applicable law or emergency may take effect immediately regardless of materiality.

Your continued access to or use of our Services after the effective date of any modifications constitutes your acknowledgment of and agreement to be bound by the revised Terms.

Every clause in these Terms applies in full, except where a mandatory provision of applicable law requires otherwise. Nothing in these Terms limits, excludes, or modifies any mandatory rights, protections, or remedies you may have under the laws that apply to you.

You may need to create an Account to access all or part of our Services. Your username and password are for your personal use, and you must ensure that your Account information is accurate. If you believe your Account information requires updating, or if you experience problems accessing your Account, contact us.

Our Access to Your Account

From time to time, we may need to access your Account to provide or support our Services, to investigate potential violations of these Terms, to respond to legal requests, or to protect the security and integrity of our Services.

Single Sign-On (SSO) Services

We may offer the option to register, log in, or connect your Account to Third-Party Services using Single Sign-On (SSO). When you use this feature, you acknowledge that you are using a Third-Party Service, and you grant us permission to access and process information from your Third-Party Service profile as permitted by that service and your privacy settings. You may revoke access to any Third-Party Service at any time through your Account settings or the Third-Party Service's platform.

Account Security

Although we make commercially reasonable efforts to keep our Services secure, you are solely responsible for maintaining the security of your Account and any password(s) used to access it. You agree to: (a) use strong, unique passwords; (b) not share or disclose your password or access credentials to any third party; (c) implement additional security measures we may offer, such as two-factor authentication, if available; and (d) notify us immediately if you suspect any unauthorized access to your Account or other security breach, take all necessary steps to terminate the unauthorized use, and provide us with your full cooperation and assistance to terminate, rectify, and prevent further unauthorized use.

We are not liable for any loss, damage, or consequences arising from: (a) your failure to comply with these security obligations; (b) unauthorized access to your Account; or (c) any actions taken through your Account, whether or not authorized by you.

Account Deletion

If you wish to delete your Account, you can do so at any time through your Account settings, or by reaching out to our support team. Before we can complete your account deletion, you will need to settle all outstanding payment obligations to us. Once the account deletion process is complete, we will send you a confirmation email.

Account Suspension and Termination

We reserve the right, at our sole discretion and without liability, to the maximum extent permitted by applicable law, to suspend, terminate, or delete your Account, restrict access to our Services, or take any other appropriate measure with immediate effect for reasons including but not limited to security risk, adverse impact, legal liability, fraud, abuse, non-payment, breach of these Terms, bankruptcy, unauthorized use, or request by a legal or public authority.

Where the issue is capable of being remedied and immediate action is not reasonably necessary, we will give you prior notice and a reasonable opportunity to remedy it before we suspend or terminate. Upon suspension or termination, any license rights granted to you under these Terms will terminate immediately, all outstanding payments due to us shall become immediately due and payable, and we may delete your data in accordance with our Privacy Policy. You may appeal our decision by contacting us.

Unless stated otherwise, all prices displayed on our Services are in United States Dollars (USD). Our Services are offered on paid monthly and annual subscription plans as displayed at checkout.

The total price displayed at checkout before you confirm your order represents the full amount payable for the subscription period selected, including any applicable charges that we or our Merchant of Record are required to collect.

If we discover an obvious pricing error before accepting your order, we reserve the right to correct the error and inform you of the correct price. We will not charge you any additional amounts after you place your order, except where required by applicable law.

If you qualify for tax-exempt status, you must provide valid documentation for verification. We reserve the right to adjust taxes or fees to comply with legal changes, with notice where required.

Our website accepts payments processed through Lemon Squeezy and other payment methods Lemon Squeezy may make available, which may include credit and debit cards (Visa, Mastercard, American Express, Discover), PayPal, Google Pay, and Apple Pay. Depending on the payment method you choose, additional costs and conditions may apply.

Payment Processing

By providing payment information, you authorize Lemon Squeezy and its payment processors to store and process it; you authorize the charging of your selected payment method for the total amount displayed at checkout, any applicable recurring subscription fees, and any additional amounts expressly agreed by you; and you confirm that you are authorized to use the selected payment method and that the billing information provided is accurate and up to date.

Although payments are processed by Lemon Squeezy as Merchant of Record, Investment Secretary LLC remains responsible for fulfilling our contractual obligations to provide the Services you have subscribed to.

Failed or Unauthorized Payments

You must promptly inform us if your payment method is canceled, your payment details change, or you become aware of unauthorized use. We reserve the right to suspend or terminate access to our Services if payment is not successfully completed.

Billing Errors and Complaints

If we identify a clear technical or administrative billing error, we reserve the right to correct it and will notify you before charging any additional amount. If you are dissatisfied with any payment or billing matter, please contact us so we can attempt to resolve the issue.

Refunds

We have no obligation to provide refunds once access has been granted, except where we expressly state otherwise, where Lemon Squeezy's policies apply as Merchant of Record, or where expressly provided for by applicable law. You may reach out to us to request a refund, but we reserve the right, at our sole discretion, to review and determine the outcome of such requests.

Our Services may include features, tools, and integrations (collectively, "Third-Party Services") that rely on, are built by, are connected with, or are supported by companies that are independent from us. By using Third-Party Services, you agree to comply with the applicable terms and conditions, usage rules, and policies of the respective providers.

We do not endorse, are not liable for, and make no representations or warranties about any Third-Party Services. We have no control over these services and are not responsible for how they work or what they do. By using our Services, you agree not to hold us responsible for any issues that arise directly from those Third-Party Services, to the maximum extent permitted by law.

We may update, modify, or improve our Services from time to time, including technical adjustments, security enhancements, performance improvements, changes to features, or adaptations required to comply with legal or regulatory requirements. We reserve the right to implement updates at any time, with or without notice, and without liability to you, to the maximum extent permitted by applicable law.

You acknowledge that our Services may contain errors, bugs, or interruptions. We reserve the right to suspend or discontinue all or part of the Services where reasonably necessary for legal, security, operational, or business reasons. We aim to keep the Services available and reliable, but temporary interruptions may occur; we are not liable for any loss or damage arising from such interruptions, to the maximum extent permitted by applicable law.

By accessing our Services, you acknowledge our collection and analysis of usage metrics, service interaction patterns, and operational data across our user base in accordance with our Privacy Policy and applicable data protection laws. We may aggregate and anonymize this information for analytical purposes, research, product development, and industry insights. Aggregated and anonymized data, once processed to remove identifying characteristics, becomes our proprietary information.

We retain sole ownership of all intellectual property ("IP") rights in and to our Services, our Materials, and any proprietary rights inherent in and to our Services. These rights are protected by international intellectual property laws and treaties.

Subject to your compliance with these Terms and any payment obligations you have to us, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use our Services solely for your personal or internal business purposes. All rights not expressly granted to you are reserved by Investment Secretary LLC and its licensors.

If you publicly publish or distribute materials generated by or exported from our Services, you must include reasonable attribution to us. You must not use our name, logo, trademarks, or other brand assets in any way that implies endorsement, sponsorship, or affiliation with us without our prior written consent.

We respect the intellectual property rights of others. If you believe that your work has been reproduced on our Services in a way that constitutes copyright infringement, please notify us. Under Section 512(f) of the Digital Millennium Copyright Act, any person who knowingly materially misrepresents that material or activity is infringing may be liable for damages.

To submit a claim, please provide:

• a signature of the person authorized to act on behalf of the owner of the copyright interest;
• a description of the copyrighted work that you claim has been infringed;
• a description of where the material that you claim is infringing is located on the site;
• your address, telephone number, and email address;
• a statement that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and
• a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

Designated Copyright Agent — please send all copyright infringement notices to:

Counter-Notification. If you believe that content you posted was removed or disabled as a result of a mistake or misidentification, you may send us a counter-notification containing your physical or electronic signature; identification of the content removed; a statement of good faith belief; your name, address, telephone number, and email address; and a statement that you consent to the jurisdiction of the Federal District Court in which your address is located, or if outside the United States, the judicial district in which our company is located, and that you will accept service of process from the person who provided notification of the alleged infringement. Upon receipt of a valid counter-notification, we will restore the removed content within 10 to 14 business days, unless the copyright owner files an action seeking a court order.

"User-Generated Content" refers to any content, materials, information, feedback, ideas, suggestions, feature requests, reviews, or communications that you submit, post, upload, share, or otherwise provide to us or through our Services.

By submitting User-Generated Content, you grant us a non-exclusive, royalty-free, transferable, sub-licensable, worldwide license to use, distribute, modify, run, copy, publicly display, translate, or otherwise create derivative works of your content in a manner consistent with your privacy preferences and our Privacy Policy. You retain your intellectual property ownership rights and represent that you have the necessary rights to grant this license.

We aim to ensure that all information found on our Services is accurate and up to date. However, occasional errors, inaccuracies, or omissions may occur. We reserve the right to correct such errors and update information at any time. We do not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on this website, or otherwise relating to such materials or on any resources linked to this website.

Market data, financial figures, and third-party information may be delayed, incomplete, or subject to revision. You should independently verify any information before relying on it for investment purposes.

We are committed to ensuring that our Services are accessible to everyone. We follow the Web Content Accessibility Guidelines (WCAG 2.2) Level A, with which we strive to comply as best as possible. If you encounter an accessibility barrier, please contact us using the details at the base of these Terms.

We may provide links to third-party websites, applications, or resources ("Linked Sites") for your convenience. We don't control, review, monitor, or endorse these Linked Sites or their content. When you access Linked Sites, you do so at your own risk, and we won't be responsible for any damages or losses that arise from your use of or reliance on any Linked Site.

We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under these Terms that is caused by circumstances outside our reasonable control ("Force Majeure Events"), including acts of God, natural disasters, internet outages, cyberattacks, strikes, and failures of third-party services.

Our Services are provided on an "as is" and "as available" basis. To the maximum extent permitted by applicable law, we make no warranties or representations of any kind, express or implied, and we disclaim all implied warranties and conditions, including without limitation any implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, and non-infringement.

Without limiting the foregoing, we do not warrant that our Services will be uninterrupted, error-free, timely, secure, or that any information or content available through the Services is accurate, complete, or reliable — including any investment-related information, market data, or analysis.

Nothing in these Terms limits or excludes our liability for: (a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; or (c) any other liability that cannot be limited or excluded under applicable law.

You agree to indemnify, defend, and hold harmless our company, our affiliates, and our respective officers, directors, employees, agents, licensors, suppliers, successors, and assigns from all claims, losses, damages, penalties, fines, costs, and expenses (including reasonable legal fees) arising out of or related to your access to or use of our Services; your breach of these Terms; your violation of any third-party rights; your investment decisions and trading activity; your negligence or willful misconduct; and any security breaches resulting from your actions or omissions.

This indemnification obligation survives termination of these Terms and applies to the maximum extent permitted by applicable law.

By accepting these Terms, you agree that any disputes, claims, or issues related to these Terms, our Services, or your use of them (collectively, "Disputes") will be governed by the laws of the United States of America and the State of Wyoming, without regard to conflict of law principles.

Before commencing litigation, you must first provide written notice of the Dispute to us using the contact details at the base of these Terms, including a detailed description of the nature of the Dispute and the relief sought. We will attempt to resolve the Dispute informally through negotiation within 30 days from the date of your written notice.

Notwithstanding the foregoing, we have the right to seek injunctive relief against any unauthorized use or abuse of our Services or intellectual property infringement without first engaging in the dispute resolution process described above.

To the extent permitted by applicable law, you agree to resolve any and all Disputes on an individual basis and not as part of a class, representative, or consolidated action.

Severability. If any provision of these Terms is found to be invalid or unenforceable, that provision shall be deemed removed to the extent necessary, and the remaining provisions shall remain in full force and effect.

Waiver. No waiver of any breach or right under these Terms shall be effective unless expressly made in writing and signed by an authorized representative of the waiving party.

Entire Agreement. These Terms, together with our Privacy Policy and any mandatory pre-contractual information, form the agreement between you and us regarding our Services.

Notices. You may contact us at any time using the contact details at the base of these Terms. We may send notices to you using the email address associated with your Account.

Assignment. You may not transfer your rights or obligations under these Terms without our prior written consent. We may transfer our rights and obligations in connection with a merger, acquisition, or sale of assets.

Interpretation. In these Terms, "including" means "including but not limited to." The authoritative version of these Terms is the original English (U.S.) version.

Survival. Any provision of these Terms that by its nature or express terms should survive termination will survive, including accrued rights and obligations.

Please direct all communications regarding these Terms to: