Rosenberg Research & Associates Inc. (Rosenberg Research) periodically produces publications (Publications), maintains its website (Website), and related social media sites including, but not limited to, Facebook, LinkedIn, Twitter and YouTube pages (Social Media Sites) for information only. By reading the Publications, 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 AGREE TO THESE TERMS OF USE, DO NOT READ THE PUBLICATIONS, ACCESS OR USE ANY PART OF THE 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 regularly, and when we advise you of any updates.

Governing Law
All matters relating to your access to, or use of, the Publications, the 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 in the Publications, on the 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 in the Publications, on the Website or the Social Media Sites. The mention or display of trade-marks, trade names or service marks in the Publications, on the 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 the Website and the Social Media Sites only for your personal informational purposes. If you are a subscriber, you are granted a limited license to display on your computer, download, print and use the content of the Publications only for your personal informational purposes You may not modify any content that you use. You may not use the content in the Publications, on the Website or on any of the Social Media Sites for any commercial purpose.

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

Information or commentary provided in the Publications, on the 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. Nothing contained in any Publication or the Website or on the Social Media Sites constitutes a solicitation, recommendation, endorsement, or offer to buy or sell any securities or other financial instruments. We recommend that you seek advice from a qualified professional advisor before acting on any information or other content appearing in the Publications, on the Website, on the Social Media Sites or any website to which they may be linked. None of the Publications, the Website or the Social Media Sites are research Publications under applicable United States rules and regulations.

No Warranty
ROSENBERG RESEARCH DOES NOT GUARANTEE THE QUALITY, ACCURACY, TIMELINESS, OR COMPLETENESS OF ANY OF THE CONTENT OR CALCULATIONS IN THE PUBLICATIONS, ON THE 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 THE PUBLICATIONS, 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 THE PUBLICATIONS, THE 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, THE PUBLICATIONS, 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.

DISCLAIMER
ANY USE OF THE PUBLICATIONS, THE WEBSITE OR THE SOCIAL MEDIA SITES IS AT YOUR OWN RISK AND LIABILITY. NEITHER ROSENBERG RESEARCH, NOR ANY DIRECTOR, OFFICER, EMPLOYEE OR AGENT OF ROSENBERG RESEARCH, ACCEPTS ANY LIABILITY WHATSOEVER FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, MORAL, INCIDENTAL, COLLATERAL OR SPECIAL DAMAGES OR LOSSES OF ANY KIND, INCLUDING, WITHOUT LIMITATION, THOSE DAMAGES ARISING FROM ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON THE CONTENT OF ANY PUBLICATION, THE WEBSITE, ANY OF THE SOCIAL MEDIA SITES OR THOSE DAMAGES RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER FROM THE USE OF OR INABILITY TO USE ANY CONTENT OR SOFTWARE OBTAINED FROM THIRD PARTIES REQUIRED TO OBTAIN ACCESS TO THE CONTENT, OR ANY OTHER CAUSE, EVEN IF ROSENBERG RESEARCH IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES AND EVEN IF CAUSED BY ANY ACT, OMISSION OR NEGLIGENCE OF ROSENBERG RESEARCH OR ITS DIRECTORS, OFFICERS, EMPLOYEES OR AGENTS AND EVEN IF ANY OF THEM HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING.

Links to other websites or social media sites
Publications, the Website or the Social Media Sites 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 the 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 any Publication, the Website or any of the Social Media Sites in any manner which could damage, disable, overburden or impair the Website, any of the Social Media Sites or any system or network connected to the Website, any of the Social Media Sites or interfere with any other party’s use and enjoyment of the Website or any of the Social Media Sites. You may not attempt to gain unauthorized access to the Website, any of the Social Media Sites or any system or network connected to the Website or any of the Social Media Sites 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 or any of the Social Media Sites.

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

Subscribers 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 Publications 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 Publications 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 the Website is subject to the terms of the Privacy Policy

These Terms of Use were last amended on May 13, 2020.