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The Disruptive Tech Research website located at (“Site”) is owned and operated by Disruptive Tech Research, LLC (“DTR”) and is offered to you conditioned on your acceptance without modification of the terms, conditions and notices contained herein. By accessing and using the Site, including all free content, as well as subscription and premium services, newsletters, email updates, social media, etc., you are deemed to have agreed to all such terms, conditions, and notices.

Copyrights and Limitations on Use

The content available through Site is the property of DTR or its licensors and is protected by copyright laws of the United States and international treaties, as well as other applicable intellectual property laws. Content includes articles, reports, lessons, and any other written material, images, charts, or other items displayed through the website or sent via email. Content may be displayed or printed for your personal, non-commercial use only. You agree that under no circumstances will you reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate the content received through Site, or via email subscriptions, to anyone, without the express prior written permission of DTR.

Accuracy of Information

The Site contains statements and statistics that have been obtained from sources believed to be reliable but are not guaranteed as to accuracy or completeness. This includes SEC filings, current events, interviews, corporate press releases, and what we’ve learned as financial journalists. It may contain errors, and you shouldn’t make any investment decision based solely on what you read here. It’s your money and your responsibility.

No Investment Recommendations or Professional Advice

DTR is not a registered investment advisor. We cannot and do not provide personalized financial or investment advice for any individual. We do not know you or your situation, and therefore cannot or make any recommendation about which particular strategies, services, or approaches may be suitable for you. We operate under freedom of speech. We publish written content in articles, newsletters, reports, emails, tools, alerts, social media etc. for educational and entertainment purposes only. This content may contain some factual information and data, as well as subjective, opinion-based analysis.

The Site is not intended to provide tax, legal, insurance or investment advice, and nothing on the site should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by DTR or any third party. You alone are solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation.

Monitoring by DTR

Your use of the products and services on this website may be monitored by DTR, and that resultant information may be used by DTR for its internal business purposes or in accordance with the rules of any applicable regulatory or self-regulatory organization.

No Refund Policy

Subscription fees/payments for DTR’s products/services are non-refundable. This means that if, for example, you pay for a one-year subscription and then decide you no longer wish to use the product, you will not receive a refund for any unused portion of your subscription. However, we do allow subscribers to cancel at any time without incurring further charges. By making a payment to DTR, you acknowledge that you have read and agree to DTR’s No Refund Policy.

Automatic Renewal

By subscribing to our products/services, you agree to have your subscription automatically renewed and billed to your credit card at the beginning of each subscription period until you cancel your subscription. You may cancel at any time. When a subscription is canceled, you will continue to have access up until the end of your last billing cycle. It is your responsibility to cancel your service if you do not wish to renew a subscription.

Research Disclosure Policy

Our research, insights, analysis and ideas will be for SUBSCRIBERS ONLY. We will inform the public when the timing is right, but please leave that to us. Anyone caught sharing our research in public will be subject to legal action and a lifetime ban.

Limit of Liabilities

By using our products and services, you agree that under no circumstances will DTR, its officers, directors, employees, agents, as well as data providers and advertisers be liable for direct, indirect, incidental or any type of damages resulting from your use or downloading of any content published and distributed by DTR through any means of distribution, including, but not limited to, emails, websites, documents posted to websites, social media or printed documents.

Potential Conflicts of Interests

It is the policy of DTR to follow the CFA Institute’s “Standards of Practice” regarding disclosure of potential conflicts of interest. DTR’s policy is to avoid conflicts of interest when possible. However, when potential conflicts are unavoidable, DTR’s policy is to disclose material business relationships between it and issuers of securities highlighted. By disclosing potential conflicts of interest, subscribers and prospective subscribers will have additional information to evaluate the objectivity of ideas highlighted by DTR.

Consent to Receive Electronic Communications

We provide all disclosures, communications, and documents related to your usage of Site, including but not limited to, user account requests and billing information such as receipts, in electronic form. We will not provide paper disclosures, communications, and documents to you. You agree that it is your responsibility to provide an accessible e-mail address for the delivery of all products/services. DTR shall not be held liable for its inability to deliver its products/services due to an e-mail address that for any reason is inaccessible, or for settings in your email account that filter out receipt of DTR’s products/services.

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