Terms of Service

1. Acceptance of Terms

By accessing EquitiesAmerica.com, you agree to these Terms of Service and our Privacy Policy. If you do not agree with any part of these terms, you must discontinue use of the site immediately. These terms apply to all visitors, users, and anyone who accesses this site.

2. Educational Content Only — Not Investment Guidance

All content published on EquitiesAmerica.com — including articles, explainers, stock profiles, sector primers, glossary definitions, calculator outputs, broker descriptions, tool reviews, IPO records, quarterly market reports, and any other material — is provided for educational and general informational purposes only.

Nothing on this site constitutes or should be construed as:

• ✗Personalized investment guidance or a personalized recommendation
• ✗A solicitation to purchase or dispose of any security
• ✗Financial planning services
• ✗Tax advice specific to your situation
• ✗Legal advice
• ✗An offer to provide investment advisory services

EquitiesAmerica.com is not registered with the SEC as an investment adviser, is not a member of FINRA, and is not a registered broker-dealer. See our full Compliance & Disclaimer page for complete regulatory disclosures.

3. No Warranty

EquitiesAmerica.com provides all content on an "as is" and "as available" basis. We make no representations or warranties of any kind, express or implied, including but not limited to:

• •The accuracy, completeness, or timeliness of any content
• •The fitness of any content for a particular purpose
• •That the site will be uninterrupted, error-free, or free of viruses or other harmful components
• •That defects will be corrected
• •That any financial data presented is current or free of errors

Financial data, including historical price data, earnings figures, and financial ratios, is sourced from publicly available third-party providers and may contain errors, omissions, or delays. Users are responsible for independently verifying any data before relying on it.

4. User Responsibility

You are solely responsible for your financial decisions. The use of any information, tool, calculator, or content on this site does not relieve you of the responsibility to conduct your own due diligence and to consult qualified professionals where appropriate.

You agree not to use this site:

• •In any way that violates applicable federal, state, or local laws
• •To scrape, harvest, or systematically extract data for commercial redistribution without written permission
• •To misrepresent educational content as personalized investment guidance
• •To transmit any unsolicited commercial communications

5. Limitation of Liability

To the maximum extent permitted by applicable law, EquitiesAmerica.com, its operators, authors, and contributors shall not be liable for any direct, indirect, incidental, special, consequential, punitive, or exemplary damages — including but not limited to financial losses, loss of data, loss of profits, or goodwill — arising out of or in connection with your use of, or inability to use, any content, tools, or features of this site, even if advised of the possibility of such damages.

This limitation applies to all causes of action, including contract, tort, strict liability, or otherwise. Some jurisdictions do not allow limitations on certain implied warranties or damages, so portions of this limitation may not apply to you.

6. Intellectual Property

All original content on EquitiesAmerica.com — including article text, illustrations, calculator designs, glossary definitions, and site code — is the intellectual property of EquitiesAmerica.com and is protected by US copyright law. All rights are reserved.

You may link to our content and quote brief excerpts with attribution in accordance with fair use doctrine. You may not:

• •Reproduce, distribute, or republish substantial portions of our content without written permission
• •Pass off our content as your own
• •Use our content for commercial purposes without authorization
• •Remove or obscure copyright or attribution notices

For permissions, contact us at equitiesamericadotcom@gmail.com.

7. Third-Party Links

EquitiesAmerica.com contains links to third-party websites including brokerages, research platforms, government databases (SEC EDGAR, Federal Reserve), and other financial resources. These links are provided for informational convenience only.

We do not endorse, control, or take responsibility for the content, accuracy, privacy practices, or availability of any third-party website. Linking to a third-party site does not imply our approval of that site's content or practices. Some third-party links may be affiliate links — see our affiliate disclosure.

8. Past Performance Disclaimer

Historical performance data cited on this site — including stock price returns, index performance, sector returns, and fund performance — is presented for educational and contextual purposes only. Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal. There is no guarantee that historical patterns will repeat or that any described strategy will perform similarly in the future.

9. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted to this page with an updated effective date. Continued use of the site after any modification constitutes your acceptance of the revised terms. We encourage you to review these terms periodically.

10. Governing Law

These terms are governed by the laws of the United States and the state in which EquitiesAmerica.com is operated, without regard to conflict of law principles. Any disputes arising from these terms or use of this site shall be subject to the exclusive jurisdiction of the courts in that jurisdiction.

11. Contact

For questions about these Terms of Service: equitiesamericadotcom@gmail.com

See also: Privacy Policy · Compliance & Disclaimer