Thank you for visiting Terrific Brokers Website and the services provided herein are exclusively governed by these Terms of Use. Please carefully read the terms outlined below before using the Website as your access to and use of the Website constitutes your agreement to be bound by these Terms of Use. If you are a resident of the European Union (EU), or an employee or customer of an EU resident, additional terms of condition, including privacy rights, may apply to you. Please refer to our Privacy Policy  for additional information.

Terrific Brokers Group, LLC (“Terrific Brokers”) owns the Website and reserves the right, at its sole discretion, to modify these Terms of Use at any time and any such modification will be effective immediately upon posting the modification. You should check these Terms of Use periodically for modifications. If you use the Website after the posting of modifications, then you will be bound by such modifications.

Our goal is to provide our visitors with a fully transparent user experience, compliant with applicable laws and industry guidelines and regulations. Thus, if there is something you do not see disclosed below or in our Privacy Policy or General Disclosures, or if you have any questions at all regarding the information presented hereafter, please contact us.

LICENSE AND WEBSITE ACCESS

Terrific Brokers hereby grants you a limited, non-exclusive, nontransferable license to view, bookmark, download and print the pages within the Website, and the Content incorporated on those pages, solely for the purpose of your personal, non-commercial use and display. You are solely responsible for obtaining, paying for, repairing and maintaining all of the equipment, telephone lines and other material that you need to access the Website and the pages within the Website may be used solely for personal, informational and non-commercial purposes. You may not modify, copy, distribute, transmit, post, display, perform, reproduce, publish, license, create derivative works from, transfer or sell any pages, Content, data, information, software, products or services obtained from the Website, unless you have obtained the prior written permission of Terrific Brokers. Terrific Brokers expressly reserves the right to monitor any and all use of the Website.

The Website is not available/intended for use by persons under the age of 13. If you are between the ages of 13 and 18 (or between 13 and the age of legal majority in your country of residence), you may only use the Website under the supervision of a parent or legal guardian who agrees to be bound by these Terms of Use. By using the Website, you agree to be bound and otherwise comply with the aforementioned terms regarding your age.

NO RECOMMENDATIONS OR ADVICE PROVIDED

The Website is to be used for informational purposes only as Terrific Brokers is not registered as a securities broker-dealer or an investment adviser. No information contained on the Website is intended as securities brokerage, investment, tax, accounting or legal advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security or fund.

Terrific Brokers cannot and does not assess, verify or guarantee the adequacy, accuracy or completeness of any information, the suitability or profitability of any particular investment, or the potential value of any investment or informational source. You are responsible for conducting your own investment research and decisions, and should seek the advice of a qualified securities professional before making any investment, and investigate and fully understand any and all risks before investing. Terrific Brokers in no way warrants the solvency, financial condition, or investment advisability of any of the securities mentioned on the Website or any linked site.

This information contained on the Website is not intended to be used as the sole basis of any investment decision, nor should it be construed as advice designed to meet the investment needs of any particular investor.

REGISTRATION AND USER ACCOUNT RESPONSIBILITIES

In order to use the Website or certain parts of it, you may be required to register for a user account; in this case, you agree to provide truthful information when requested, and, if a minimum age is required for eligibility for a user account, you undertake that you are at least the required age. You agree that you are solely responsible for maintaining the confidentiality and security of your username and password, and you are responsible for all acts and/or omissions that occur under the authority of your username. You agree to immediately notify Terrific Brokers of any unauthorized use of your user account, username or password.

By registering for a user account, you explicitly agree to these Terms of Use, including any amendments made by Terrific Brokers that are published from time to time. Terrific Brokers reserves the right to terminate, restrict, or suspend your username privileges at any time, without notice, for any reason whatsoever. You agree that Terrific Brokers shall not be liable to you or any third party for any termination of your access to the Website.

The Website contains review services, or other forums, in which you or third parties may post reviews of experiences using services and/or products or other content, messages, materials, videos, or other items on the Website (collectively “User Areas”). You are solely responsible for your use of such User Areas and use them at your own risk. By using any User Areas, you expressly agree not to post, upload to, transmit, distribute, store, create, or otherwise publish through the Site any of the following:

Any message, data, information, text, music, sound, photos, graphics, video, code, or any other material (“User Contribution”) that is unlawful, libelous, defamatory, obscene, pornographic, indecent, lewd, suggestive, harassing, threatening, invasive of privacy or publicity rights, abusive, inflammatory, fraudulent, or otherwise objectionable; User Contribution on products or services offered by your current employer or by direct competitors of your current employer; User Contribution that would constitute, encourage, or provide instructions for a criminal offense, violate the rights of any party, or otherwise create liability or violate any local, state, national, or international law, including, without limitation, the regulations of the U.S. Securities and Exchange Commission (SEC) or any rules of a securities exchange; User Contribution that may infringe or misappropriate any patent, trademark, trade secret, copyright, or other intellectual or proprietary right of any party; User Contribution that impersonates any person or entity or otherwise misrepresents your affiliation with a person or entity, including Terrific Brokers; Unsolicited promotions, political campaigning, advertising, contests, raffles, or solicitations; Private information of any third party; Viruses, corrupted data, or other harmful, disruptive, or destructive files; User Contribution that is unrelated to the topic of the User Area(s) in which such User Contribution is posted; or User Contribution or links to content that, in the sole judgment of Terrific Brokers, (a) violates the previous subsections herein, (b) is objectionable, (c) restricts or inhibits any other person from using or enjoying the User Areas or the Website, or (d) may expose Terrific Brokers or its affiliates or its users to any harm or liability of any type.

OTHER LINKED SITES

By providing links to other sites, Terrific Brokers does not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to Terrific Brokers.

Terrific Brokers does not operate or control and has no responsibility for the information, products and/or services found on any external sites, unless expressly stated on such external site. Nor do such links represent or endorse the accuracy or reliability of any information, products and/or services provided on or through any external sites, including, without limitation, warranties of any kind, either express or implied, warranties of title or non-infringement or implied warranties of merchantability or fitness for a particular purpose. You assume complete responsibility and risk in your use of any external sites.

INTELLECTUAL PROPERTY STATEMENT

All marks appearing on the Website are the registered and unregistered trademarks of Terrific Brokers. Terrific Brokers’s trademarks may not be used in any manner that is likely to cause confusion among customers or that disparages or discredits Terrific Brokers.

All Content on the Website, including, but not limited to, text, graphics, audio clips, logos, buttons, images, digital downloads, data compilations, software, icons, message boards, chat, html code, xml code, and other original Content (collectively the “Content”), is the property of Terrific Brokers or its content vendors and is protected by U.S. and international copyright laws.

Nothing contained on the Website grants to you any license or other right to any of Terrific Brokerss intellectual property or to any third party’s intellectual property. You may not copy, modify, distribute, display, reproduce or republish any of the data or Content contained on the Website without obtaining the prior written consent of Terrific Brokers.

Any User Contribution, which shall include but is not limited to, service reviews, product reviews, user-generated data and financial data, chat, forum posts, and/or other such content that you post to the Website, will be considered non-confidential and non-propriety. By posting any User Contribution on the Website, you grant Terrific Brokers and its affiliates and service providers, and each of their and Terrific Brokerss respective licensees, successors, and assigns a perpetual, royalty-free, and irrevocable right and license to use, reproduce, modify adapt, publish, translate, distribute, transmit, publicly display, publicly perform, sublicense, create derivative works from, transfer, and sell any such User Contribution. You represent and warrant that you own or control all rights in and to the User Contributions, including the right to license such User Contributions, and that all of your User Contributions do and will comply with the aforementioned terms.

DISCLAIMERS

For applicable disclaimers, including limitations of liability, please see Terrific Brokers’s Legal Disclaimers.

PRIVACY POLICY

Terrific Brokers is committed to protecting its users’ privacy. Please see our Privacy Policy for information relating to how we collect, use, and disclose your personal information.

INDEMNIFICATION

You agree to indemnify, defend and hold harmless Terrific Brokers, its affiliates and their respective officers, directors, managers, employees and agents, from and against any and all claims, liabilities, damages, losses or expenses, including attorneys’ fees and costs, arising out of or in any way connected with your access to or use of the Website, any User Contribution you post, store or otherwise transmit in or through the Website, your violation of the rights of any third party, any violation by you of these Terms of Use, or any breach of the representations, warranties, and covenants made by you herein.

APPLICABLE LAW

You agree that these Terms of Use and any dispute arising out of your use of the Website or products or services provided by the Website will be governed by and construed in accordance with the laws of the State of Michigan, without regard to choice of law provisions. You agree that jurisdiction over and venue in any legal proceeding directly or indirectly arising out of or relating to the Website (including but not limited your registration for a user account and/or your use of the Website and the services it provides) shall be in the state or federal courts located in Oakland County, Michigan.

MISCELLANEOUS

In the event that any provision of these Terms of Use is or becomes invalid or unenforceable, that provision (to the extent invalid or unenforceable) will be interpreted to reflect the original intention of Terrific Brokers in accordance with applicable law, and the remainder of these Terms of Use will continue in full force and effect.

Terrific Brokers’s failure to insist upon or enforce strict performance of any provision of these Terms of Use will not be considered to be a waiver of any provisions or right, and all such provisions and rights will remain in full force and effect.

You agree that any claim or cause of action you may have with respect to the Website or its services must be filed within one (1) year after such claim or cause of action arose, otherwise such claim or cause of action will be forever barred, without regard to any contrary legislation.

The Terms of Use, together with the Privacy Policy and General Disclosures, is the entire agreement between you and Terrific Brokers relating to the subject matter herein. In your use of the Website, you hereby represent and warrant that you have not relied upon any other statements, promises, representations or warranties from Terrific Brokers except those expressly set forth herein, together with the Privacy Policy and General Disclosures.