Rosenberg Research & Associates (Rosenberg Research) maintains this website (Website) and its related social media sites including, but not limited to, Facebook, LinkedIn, Twitter and YouTube pages (Social Media Sites) for information only. By accessing or using this Website or by participating in any of the Social Media Sites (including by following, reading, viewing, sharing or otherwise using any associated posts or content), you agree that you have read, understand and agree to be bound by these Terms of Use, as amended from time to time. IF YOU DO NOT WISH TO AGREE TO THESE TERMS OF USE, DO NOT ACCESS OR USE ANY PART OF THIS WEBSITE OR PARTICIPATE IN ANY OF THE SOCIAL MEDIA SITES. Rosenberg Research may change these Terms of Use from time to time by posting the changes on the Website. You should review these Terms of Use each time you visit this Website or participate in any of the Social Media Sites.

Governing Law
All matters relating to your access to, or use of, this Website or any of the Social Media Sites (including the content thereat) shall be governed by the laws of the Province of Ontario and the laws of Canada applicable therein, without regard to its conflict of laws principles. In the event of a dispute, you agree to submit to the non-exclusive jurisdiction of the courts located in the Province of Ontario.

Intellectual Property Rights
Rosenberg Research owns all copyright and other intellectual property rights in all content on this Website, in the underlying website code and in all content on the Social Media Sites, or has the permission of the owner of those rights to use the content on this Website or the Social Media Sites. The mention or display of trade-marks, trade names or service marks on this Website or any of the Social Media Sites is not intended to, and will not, convey or create any license or other rights to use such names and marks.

Limited license of content
You are granted a limited license to display on your computer, download, print and use the content of this Website and the Social Media Sites only for your personal informational purposes. You may not modify any content that you use. You may not use the content on this Website or on any of the Social Media Sites for any commercial purpose.

Not Investment, Financial, Accounting, Legal, Tax or Other Professional Advice

Information provided on this Website or on the Social Media Sites is not intended to provide investment, financial, accounting, legal, tax or other professional advice and should not be relied upon or regarded as a substitute for such advice. We recommend that you seek advice from a qualified professional advisor before acting on any information or other content appearing on this Website, the Social Media Sites or any website to which they may be linked.

No Warranty
ROSENBERG RESEARCH DOES NOT GUARANTEE THE QUALITY, ACCURACY, TIMELINESS, OR COMPLETENESS OF ANY OF THE CONTENT OR CALCULATIONS ON THIS WEBSITE OR ON THE SOCIAL MEDIA SITES. ROSENBERG RESEARCH WILL NOT BE LIABLE FOR ANY DAMAGES OR CLAIMS OF ANY KIND ARISING FROM, OR RELATING TO, ANY USE OF THIS WEBSITE, ANY OF THE SOCIAL MEDIA SITES OR THEIR RESPECTIVE CONTENT OR CALCULATORS FOR ANY PURPOSE.

ROSENBERG RESEARCH DISCLAIMS ALL WARRANTIES, REPRESENTATIONS, AND CONDITIONS, EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES, REPRESENTATIONS, OR CONDITIONS OF MERCHANTABILITY, MERCHANTABLE QUALITY, QUALITY, AND FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR OTHER VIOLATION OF RIGHTS, WHETHER ARISING BY STATUTE, USAGE OF TRADE, COURSE OF DEALING, OR OTHERWISE. ROSENBERG RESEARCH DOES NOT WARRANT OR MAKE ANY OTHER REPRESENTATIONS REGARDING THE USE, ACCURACY, TIMELINESS, APPLICABILITY, PERFORMANCE, SECURITY, AVAILABILITY OR RELIABILITY OF THIS WEBSITE, ANY OF THE SOCIAL MEDIA SITES, ANY SITES CONTAINING EMBEDDABLE CONTENT, ANY SITES LINKED TO BY ANY OF THE FOREGOING, OR THE RESULTS FROM THE USE OF ANY OF THE FOREGOING, OR OTHERWISE RESPECTING, THE CONTENT OR CALCULATORS ON THIS WEBSITE, ANY OF THE SOCIAL MEDIA SITES, ANY SITES CONTAINING EMBEDDABLE CONTENT OR ANY SITES LINKED TO THIS WEBSITE OR ANY SOCIAL MEDIA SITES.

Links to other websites or social media sites
This report may contain links to third-party websites.  These links are provided as a convenience only. By providing these links, Rosenberg Research is not expressly or impliedly endorsing or approving these other sites, nor warranting or guaranteeing the content of the materials on such sites or the services or products that may be offered on such sites.

Links from other websites or social media sites
Access to this Website or any of the Social Media Sites may be provided by a hypertext link or other link located at another website or social media site. Although Rosenberg Research  appreciates links from third-party websites and social media sites, Rosenberg Research  has no responsibility for the content of such sites and does not endorse, authorize, approve, certify, maintain, or control these other sites and does not guarantee the accuracy, completeness, efficacy or timeliness of the information located at such sites.

Prohibited Use
You may not use this Website in any manner which could damage, disable, overburden or impair the website or any system or network connected to the website or interfere with any other party’s use and enjoyment of the website. You may not attempt to gain unauthorized access to this Website or any system or network connected to the website through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available to you through the website.

Price and Availability of Content
Access to the content of this Website is made available to end users on a subscription basis.

You agree to pay the fees and any other charges incurred in connection with the service, including applicable taxes, for the subscription period specified upon registration at the pricing and rates in effect when the charges were incurred. Subscription fees will be billed at the beginning of your subscription or any renewal period.

In our sole and absolute discretion, we may suspend or terminate your access to the service and disable or delete your account if we are unable to process and retain your payment for any reason. If at any time you have a balance due on your account, you agree to pay such balance forthwith. In the case of amounts payable by credit card, you agree that we may charge any unpaid fees to your credit card. You agree to reimburse us for all costs and expenses incurred by us in collecting overdue payments hereunder, including without limitation all bank or service charges, and any reasonable legal fees.

By subscribing to the service you are representing to us that you are authorized to use the payment method you submit for payment.

Refund Policy
Unless stated otherwise in writing, all fees and charges are non-refundable.

Publication Frequency
Rosenberg Research currently intends to publish research reports on a daily basis on most regular business days. However, this may vary from time to time and Rosenberg Research reserves the right to determine in its sole discretion what content shall be provided, and the timing, frequency and manner of delivery. You acknowledge that there will be certain business days during each subscription term when research reports will not be published (for example, holidays and days when the author is travelling).

General
If any term or condition set out in this Terms of Use is held to be invalid, unenforceable or illegal for any reason, the remaining terms and conditions will continue in full force. Rosenberg Research’s failure or delay to enforce any of these Terms of Use shall not operate as a waiver of any of Rosenberg Research’s rights or privileges under these Terms of Use. If these Terms of Use are translated into a language other than English and there are conflicts between the translations, the English version shall prevail and control.

Privacy Policy
Use of this Website is subject to the terms of the Privacy Policy