Terms of Use

Last Updated: 3 March 2022

Welcome to ETF Insider!

This Website Terms of Use (the "Agreement") applies to your ("you" and "your") access to, and/or use of, [etfinsider.co] and its subdomains (collectively, the "Website"). You must read this Agreement carefully, and by accessing or using the Website, you confirm that you have read, understood, and agree to be bound by:

  1. these terms and conditions in their entirety; and
  2. any supplemental terms or policies in this Agreement which are stated to be incorporated into this Agreement (such as our Privacy Policy).

IF YOU ARE ENTERING INTO THIS AGREEMENT ON BEHALF OF AN ENTITY, YOU REPRESENT THAT YOU HAVE THE RIGHT, AUTHORITY, AND CAPACITY TO BIND SUCH ENTITY TO THIS AGREEMENT (AND ALL REFERENCES TO "YOU" AND "YOUR" SHALL REFER TO SUCH ENTITY).

IF YOU DO NOT AGREE WITH ANY OF THE TERMS AND CONDITIONS OF THIS AGREEMENT, YOU MAY NOT ACCESS OR USE THE WEBSITE.

YOU REPRESENT THAT YOU ARE AT LEAST EIGHTEEN (18) YEARS OLD, BUT IN ANY EVENT OF A LEGAL AGE TO FORM A BINDING CONTRACT. MINORS ARE NOT PERMITTED TO ACCESS OR USE THE WEBSITE.

This Agreement is a binding agreement between you and ETF Insider ("ETF Insider", "we", "us", and "our").

ETF Insider reserves the right to modify this Agreement at any time by posting the modified Agreement at https://etfinsider.co/tou/. Such modifications will be effective upon posting (unless we specify a later effective date). In such cases, we will also update the “Last Updated” reference set forth at the beginning of this Agreement. Your continued use of the Website following the posting of revised Agreement means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.

1. DEFINITIONS AND INTERPRETATION

This Agreement contains a range of capitalized terms, some of which are defined in this Section and some of which are defined elsewhere. The Section headings in this Agreement are for convenience of reading only and may not to be used or relied upon for interpretive purposes.

"ETF Insider Affiliate" means, with respect to ETF Insider, any organization or entity controlling, controlled by, or under common control with, ETF Insider, where "control" means the possession, directly or indirectly, of the power to direct or cause the direction of the management and policies of such person, organization, or entity, whether through the ownership of voting securities, by contract, or otherwise.

"ETF Insider Materials" means, collectively, the Website and any Content appearing or displayed on or in the Website. For the avoidance of doubt, and unless the context requires otherwise, references herein to ETF Insider Materials includes without limitation Third Party Content (defined below).

"Content" means any text, data, information, images, graphics, sounds, videos, audio clips, links, and/or similar materials and content.

"Intellectual Property Rights" means any and all rights, titles, and interests (under any jurisdiction or treaty, whether protectable or not, whether registered or unregistered, and whether vested, contingent, or future) in and to inventions, discoveries, works of authorship, designs, software, technical information, databases, know-how, mask works, methods, technology, and other intellectual property (collectively, "Intellectual Property"), and includes but is not limited to patents, copyrights and similar authorship rights, moral (and similar personal) rights, mask work rights, data and database rights, trade secret rights and similar rights in confidential information and other non-public information, design rights, trademark, service mark, trade name, trade dress and similar branding rights, as well as: (i) all applications, registrations, renewals, reexaminations, extensions, continuations, continuations-in-part, Provisionals, substitutions, divisions or reissues of or for the foregoing; and (ii) all goodwill associated with the foregoing.

"Law" means any federal, state, foreign, regional, or local statute, regulation, ordinance, or rule, in any jurisdiction.

"Privacy Policy" means ETF Insider’s then-current privacy policy as may be modified from time to time by ETF Insider.

2. WEBSITE ACCESS

We hereby grant you a personal, limited, non-exclusive, non-assignable, non-sublicensable, revocable right and license to access, view and use the Website and related ETF Insider Materials solely for your own personal and non-commercial use, and provided that you comply with this Agreement (collectively, the "License"). Except for the License, ETF Insider does not grant you any right or license in or to any of ETF Insider's or a third party's Intellectual Property Rights. In our sole discretion we may, at any time, with or without notice, and for any or no reason: (a) revoke the License, suspend the Website, and/or terminate this Agreement; and (b) modify, remove, and/or otherwise restrict access to (such as by geo-blocking), all or any part of the Website.

3. USAGE RESTRICTIONS

As a condition to the License, you shall not (and shall not permit or encourage any third party to) do any of the following, in whole or in part: (a) copy or reproduce (such as by screen scraping), republish, create public Internet “links” to, "frame", or "mirror" any ETF Insider Materials, or otherwise access ETF Insider Materials via any automated process; (b) sell, assign, lease, lend, rent, distribute, or make available any ETF Insider Materials to any third party, or otherwise offer or use any ETF Insider Materials as part of a time-sharing, outsourcing, or service bureau environment; (c) modify, adapt, arrange, translate, decompile, disassemble, reverse engineer, decrypt, or otherwise attempt to discover the source code or non-literal aspects (such as the underlying ideas, algorithms, structure, sequence, organization, and interfaces) of, any ETF Insider Materials; (d) remove, alter, or conceal, in whole or in part, any copyright, trademark, or other proprietary rights notice or legend displayed or contained on or in any ETF Insider Materials; (e) circumvent, disable or otherwise interfere with security-related or technical features or protocols of any ETF Insider Materials; (f) make a derivative work of any ETF Insider Materials, or use any ETF Insider Materials to develop or create any service, product, or Content that is the same as (or substantially similar to or competitive with) any of the ETF Insider Materials; (g) upload, publish, or transmit any "robots" or "spiders" (such as web crawlers), virus, malware, Trojan horse, spyware, or similar malicious item intended (or that has the potential) to damage or disrupt, or otherwise misuse, any ETF Insider Materials; and/or (i) take any action that imposes or may impose (as determined in ETF Insider's sole discretion) an unreasonable or disproportionately large load on the Website infrastructure, or otherwise interfere (or attempt to interfere) with the integrity or proper working of any ETF Insider Materials; (j) use any ETF Insider Materials to infringe, misappropriate or violate any third party's Intellectual Property Rights (as defined below), privacy (or other personal) rights), or any Law (such as to impersonate or attempt to impersonate any other person or entity); and/or (k) upload or publish any advertisement or promotional material on the Website.

4. ACCOUNT

In order to use some of parts of the Website, you may need to create an account (“Account”). You agree not to create an Account for anyone else or use the account of another without their permission. When creating your Account, you must provide accurate and complete information. You are solely responsible for the activity that occurs in your Account, and you must keep your Account password secure. You must notify ETF Insider immediately of any breach of security or unauthorized use of your Account. As between you and ETF Insider, you are solely responsible and liable for the activity that occurs in connection with your Account. If you wish to delete your Account you may send an email request to ETF Insider at ronkoren@etfinsider.co

5. LINKING TO OUR WEBSITE

ETF Insider permits you to link to the Website provided that: (i) you link to (but do not replicate) any page on this Website; (ii) the hyperlink text shall accurately describe the Content as it appears on the Website; (iii) you shall not misrepresent your relationship with ETF Insider or present any false information about ETF Insider, and shall not imply in any way that we are endorsing you or any services or products, unless we have given you our express prior written consent to do so; (iv) you shall not link from a website which prohibits linking to third parties; (v) the website from which you link to the Website does not contain Content that is offensive or controversial (both as determined at our sole discretion), that infringes, misappropriates, or violates any Intellectual Property Rights; and (vi) you, and your website, comply with this Agreement and applicable Law.

6. THIRD PARTY CONTENT

The Website may display, link to, and/or otherwise allow you to view, access, or interact with, Content from third parties and other sources that are not owned or controlled by ETF Insider, even if they are ETF Insider-branded or otherwise display ETF Insider’s name or logo (such Content and third parties, "Third Party Content" and "Third Party Providers", respectively). The Website may also enable you to communicate with the Third Party Providers. For example, the Website may display links to, or otherwise contain embedded links to, distributor or supplier websites that distribute or supply the ETF Insider products.

The display or communication to you of such Third Party Content does not (and shall not be construed to) in any way imply, suggest, or constitute any sponsorship, endorsement, or approval by ETF Insider of such Third Party Content or Third Party Provider, or by such Third Party Provider of ETF Insider, and nor any affiliation between ETF Insider and such Third Party Provider.

ETF Insider does not assume any responsibility or liability for Third Party Content, or any Third Party Provider's terms of use, privacy policies, actions, omissions, or practices. Please read the respective terms of use and privacy policies of any Third Party Provider that you interact with before you engage in any such activity.

7. RESPONSIBILITY FOR YOUR CONTENT

If you provide, publish, upload, or transmit any Content to or via the Website ("Your Content"), you represent and warrant as follows: (A) Your Content will be complete and accurate; (B) no processing of Your Content under this Agreement (whether by ETF Insider, Third Party Providers, or subprocessors) will violate any Law, proprietary right, or privacy (or other personal) right; (C) you have obtained and will maintain all required consents and licenses, and will maintain all ongoing legal bases under relevant privacy Laws (if applicable), necessary to so provide, publish, upload, and transmit Your Content; and (D) Your Content will not contain or link to any violent, obscene, or unlawful Content.

By submitting the Your Content to ETF Insider, you hereby grant ETF Insider a worldwide, irrevocable, non-exclusive, royalty-free, perpetual, sublicenseable (through multiple tiers), and transferable right and license to use, reproduce, distribute, prepare derivative works of, publicly display, and publicly perform the Your Content in connection with the Website and ETF Insider's business, including without limitation for publishing and redistributing part or all of Your Content (and derivative works thereof) in any media formats and through any media channels and, and you hereby waive any moral rights in or to Your Content, to the extent permitted by law. You also hereby grant each user of the Website, as well as other viewer or user of You Content, a non-exclusive right and license to use, reproduce, distribute, prepare derivative works of, display and perform Your Content, all in accordance with this Agreement.

8. INTELLECTUAL PROPERTY

As between you and ETF Insider, ETF Insider (and/or its licensors and suppliers, as applicable) is and shall remain the sole and exclusive owner of all right, title, and interest (including, but not limited to, all Intellectual Property Rights) in and to:

  1. the ETF Insider Materials, as well as any computer programs (including APIs), code, databases, or other Intellectual Property underlying, operating, or otherwise embodied in any ETF Insider Materials; and
  2. the trademarks, service marks, trade names, service names, trade dress, symbols, brands, and logos displayed on contained on or in any ETF Insider Materials ("Trademarks").

You acknowledge that the items in paragraphs (a) and (b) above may be protected by Intellectual Property Rights treaties and Laws. Without limiting paragraph (b) above, ETF Insider™ and its respective logos and design, are the Trademarks of ETF Insider. Other Trademarks displayed on contained on or in any ETF Insider Materials are the property of their respective third party owners.

Except for the License, ETF Insider (and its licensors and suppliers, as applicable) reserve all rights in and to their respective Intellectual Property Rights. Any right not expressly granted to you in this Agreement are hereby reserved by ETF Insider and its Affiliates, licensors and suppliers.

9. WARRANTY DISCLAIMERS

THE ETF INSIDER MATERIALS ARE PROVIDED AND MADE AVAILABLE TO YOU ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITH ALL FAULTS, AND WITHOUT ANY REPRESENTATION, WARRANTY, GUARANTEE OR CONDITION OF ANY KIND WHATSOEVER, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SATISFACTORY QUALITY, QUIET POSSESSION, TITLE, NON-INFRINGEMENT, OR THAT OTHERWISE ARISE FROM A COURSE OF PERFORMANCE OR DEALING, OR USAGE OF TRADE, ALL OF WHICH ARE HEREBY DISCLAIMED BY ETF INSIDER AND ITS LICENSORS AND SUPPLIERS. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY OR ON BEHALF OF ETF INSIDER SHALL CREATE OR GIVE RISE TO A REPRESENTATION, WARRANTY, GUARANTEE, OR CONDITION. ANY USE OF, OR RELIANCE UPON ETF INSIDER MATERIALS IS AT YOUR SOLE RISK.

IN ADDITION, NEITHER ETF INSIDER NOR ITS LICENSORS OR SUPPLIERS MAKE ANY REPRESENTATION, WARRANTY, GUARANTEE, OR CONDITION:

  1. REGARDING THE EFFECTIVENESS, USEFULNESS, RELIABILITY, AVAILABILITY, TIMELINESS, ACCURACY, OR COMPLETENESS OF ANY ETF INSIDER MATERIALS;
  2. THAT YOUR USE OF, OR RELIANCE UPON, ETF INSIDER MATERIALS WILL MEET YOUR REQUIRMENTS OR EXPECTATIONS;
  3. THAT ETF INSIDER MATERIALS WILL BE UNINTERRUPTED, SECURE, ERROR-FREE OR VIRUS-FREE, OR THAT DEFECTS WILL BE CORRECTED;
  4. REGARDING THE SATISFACTION OF, OR COMPLIANCE WITH, ANY INDSUTRY STANDARDS; OR
  5. REGARDING THE OPERATION OF ANY CELLULAR NETWORKS, THE PASSING OR TRANSMISSION OF DATA VIA ANY NETWORKS OR THE CLOUD, ANY CYBERSECURITY EVENT, OR ANY OTHER CELLULAR OR DATA CONNECTIVITY PROBLEMS.

EXODIG WILL NOT BE LIABLE OR OBLIGATED IN RESPECT OF DELAYS, INTERRUPTIONS, SERVICE FAILURES OR OTHER PROBLEMS INHERENT IN USE OF THE INTERNET AND ELECTRONIC COMMUNICATIONS OR FOR ISSUES RELATED TO HOSTING PROVIDERS OR PUBLIC NETWORKS.

The above disclaimers apply to the maximum extent permitted by applicable Law. You may have legal rights in your country of residence which would prohibit the above disclaimers from (fully or partially) applying to you (for example, some jurisdictions' Laws do not allow the disclaimer of certain implied warranties or conditions, and do not allow limitations to be imposed on statutory rights), and, to the extent the above disclaimers are prohibited, then you and ETF Insider agree that they will not apply to you.

YOU ARE SOLELY RESPONSIBLE AND LIABLE FOR ALL INFORMATION AND DATA YOU PROVIDE, AND YOU REPRESENT AND WARRANT THAT SUCH INFORMATION AND DATA WILL NOT INFRINGE OR VIOLATE ANY THIRD PARTY'S PROPRIETARY RIGHTS OR PRIVACY RIGHTS, OR ANY APPLICABLE LAW.

10. LIMITATION OF LIABILITY

IN NO EVENT SHALL ETF INSIDER, ETF INSIDER AFFILIATES, OR ITS OR THEIR RESPECTIVE LICENSORS OR SUPPLIERS BE LIABLE UNDER, OR OTHERWISE IN CONNECTION WITH, THIS AGREEMENT, FOR:

  1. ANY CONSEQUENTIAL, INDIRECT, SPECIAL, INCIDENTAL, OR PUNITIVE DAMAGES;
  2. ANY LOSS OF PROFITS, LOSS OF BUSINESS, LOSS OF REVENUE, LOSS OF ANTICIPATED SAVINGS, LOSS OF OPPORTUNITY, WASTED TIME OR EXPENDITURE, OR OTHER ECONOMIC LOSS;
  3. ANY LOSS OF, OR DAMAGE OR INTERRUPTION TO, DATA, NETWORKS, INFORMATION SYSTEMS, REPUTATION, OR GOODWILL; AND/OR
  4. THE COST OF COVER, OR OF PROCURING ANY SUBSTITUTE GOODS OR SERVICES.

THE COMBINED AGGREGATE LIABILITY OF ETF INSIDER AND ALL ETF INSIDER AFFILIATES UNDER, OR OTHERWISE IN CONNECTION WITH, THIS AGREEMENT SHALL NOT EXCEED FIVE US DOLLARS (US$ 5).

THE FOREGOING EXCLUSIONS AND LIMITATIONS SHALL APPLY: (i) TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW (SUCH AS, FOR EXAMPLE, IF A JURISDICTION DOES NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, OR OF LIABILITY FOR PERSONAL INJURY OR DEATH CAUSED BY NEGLIGENCE); (ii) EVEN IF A ETF INSIDER HAS BEEN ADVISED, OR SHOULD HAVE BEEN AWARE, OF THE POSSIBILITY OF LOSSES, DAMAGES, OR COSTS; (iii) EVEN IF ANY REMEDY IN THIS AGREEMENT FAILS OF ITS ESSENTIAL PURPOSE; AND (iv) REGARDLESS OF THE THEORY OR BASIS OF LIABILITY, INCLUDING WITHOUT LIMITATION BREACH OF WARRANTY, NEGLIGENCE, MISREPRESENTATION, STRICT LIABILITY, OR OTHER CONTRACT, TORT OR STATUTORY LIABILITY.

To the maximum extent permitted by applicable Law, you hereby irrevocably release ETF Insider, all ETF Insider Affiliates, and its and their respective directors, officers, members, employees, representatives, consultants, agents, suppliers and/or distributors from all responsibility, liability, claims, demands and/or damages of every kind and nature, known and unknown, arising out of or in any way connected with: (x) disputes between or among users of the Website; and (y) Third Party Providers and Third Party Content. If you are a California resident, you hereby irrevocably waive the applicability of California Civil Code §1542, and any similar statute or principle of common law. California Civil Code §1542 says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor.”

11. INDEMNIFICATION

You agree to defend, indemnify and hold harmless ETF Insider and ETF Insider Affiliates, and our respective officers, directors, employees and agents, from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your breach of this Agreement, your use of ETF Insider Materials other than as expressly authorized in this Agreement, or your use of any information obtained from the Website.

12. MISCELLANEOUS

12.1 Entire Agreement. This Agreement represents the entire agreement between you and ETF Insider with respect to the subject matter hereof, and supersedes and replaces any and all prior and contemporaneous oral and/or written agreements, understandings and statements between you and ETF Insider with respect to such subject matter. You acknowledge and agree that in entering into this Agreement you have not relied on any statement or representation (whether negligently or innocently made) not expressly set out in this Agreement, such as statements and explanations in any FAQs, summaries or explanatory guides regarding this Agreement, or other marketing material on the Website.

12.2 Governing Law. This Agreement (including without limitation its validity) shall be governed by, and construed in accordance with, the laws of the State of Israel without regard to any conflicts of laws rules or principles. The United Nations Convention on Contracts for the International Sale of Goods shall not apply to this Agreement and is hereby disclaimed. You agree to submit to the personal and exclusive jurisdiction of the courts located in Tel Aviv-Jaffa and waive any jurisdictional, venue, or inconvenient forum objections to such courts, provided that ETF Insider may seek equitable relief in any court of competent jurisdiction. TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AGREE THAT ANY CAUSE OF ACTION THAT YOU MAY HAVE ARISING OUT OF OR RELATED TO THE SITE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED. Any claims or damages that you may incur hereunder shall only be enforceable against ETF Insider, and not any other entity (such as ETF Insider Affiliates) or ETF Insider's officers, directors, representatives, employees, or agents. Moreover, if you are a consumer (as defined in the Law of your jurisdiction), this Agreement is not intended to, and shall not, exclude or limit any mandatory rights you may have under the consumer protection Laws of your jurisdiction.

12.3 Language; Electronic Contract and Communications. The language of this Agreement is expressly agreed to be the English language. You hereby irrevocably waive, to the maximum extent legally permitted, any Law applicable to you requiring that the Agreement be localized to meet your language (as well as any other localization requirements), or requiring an original (non-electronic) signature or delivery or retention of non-electronic records. We may be able (but are not obligated) to provide you with copies of this Agreement on written request; however, please be sure to print a copy of this Agreement for your own records. When you visit or submit information on the Website or send an email to us, you are communicating with us electronically. You consent to receive communications from us electronically. Although we may choose to provide you notice under this Agreement by postal mail, we may also choose to provide notice by email (in which case the notice will be deemed given on the day after sending) and/or by posting notices on the Website (in which case the notice will be deemed given when you access the Website). In addition, you acknowledge and agree that when you click on any “SUBMIT”, “I AGREE”, “I ACCEPT”, or similar button, through which you submit information, you are submitting a legally binding electronic signature. Pursuant to any applicable Laws, including without limitation the United States Electronic Signatures in Global and National Commerce Act, P.L. 106-229 (the "E-Sign Act") or other similar statutes, YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS AND OTHER RECORDS AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED THROUGH THE WEBSITE OR SERVICES OFFERED BY ETF INSIDER.

12.4 Email, Telephone and SMS Communication. By providing your email address, fax number, or phone number on the Website, you authorize us to contact you by telephone, fax and email. Such communication shall be in connection with: (a) an issue regarding our Website, (b) in response to inquiries (such as quotes) you have requested from us; and/or (c) to provide information or offers that may be of interest to you. Moreover, you agree that such communications may be sent to your mobile phone via automated telephone dialing system, prerecorded calls, text messages, SMS, MMS, and picture messages, even if the phone number you provide is on a corporate, state or national Do Not Call list. If you do not want to receive such emails, telephone calls, or text messages, you may opt out (i) during the registration process, or (ii) by emailing the address at the bottom of the emails with “UNSUBSCRIBE” or by texting “STOP” or “OPT-OUT” as specifically set forth in the communication. For more information, please see our Privacy Policy.

12.5 Assignment. ETF Insider may assign this Agreement (or any of its rights and/or obligations hereunder) without your consent, and without notice or obligation to you. This Agreement is personal to you, and you may not assign (or in any other way transfer) this Agreement (or any of its obligations or rights hereunder) without ETF Insider’s express prior written consent. Any prohibited assignment shall be null and void.

12.6 Feedback. If you send us any suggestions, feedback, or similar ideas for or about any ETF Insider Materials (collectively, "Feedback"), you agree that: (a) ETF Insider exclusively owns (and is hereby assigned) all right, title, and interest (including without limitation all Intellectual Property Rights) in and to the Feedback, and you are not owed any compensation (or other obligation) in exchange; (b) the Feedback does not contain confidential or proprietary information belonging to you or any third party; (c) ETF Insider may (itself and/or via third parties), in perpetuity, use, copy, distribute, sell, create derivative works of, and otherwise commercially exploit the Feedback for any purpose and in any way, and without any restriction or obligations of any kind whatsoever; (d) there is no obligation for us to review your Feedback; and (e) ETF Insider has no obligation to keep the Feedback confidential.

12.7 Severability. If any provision of this Agreement is held by a court of competent jurisdiction to be illegal, invalid or unenforceable, then: (a) the remaining provisions of this Agreement shall remain in full force and effect; and (b) the Parties hereto agree that the court making such determination shall have the power to limit the provision, to delete specific words or phrases, or to replace the provision with a provision that is legal, valid and enforceable and that most closely approximates the original legal intent and economic impact of such provision, and this Agreement shall be enforceable as so modified in respect of such jurisdiction. In the event such court does not exercise the power granted to it as aforesaid, then such provision will be ineffective solely as to such jurisdiction, and will be substituted (in respect of such jurisdiction) with a valid, legal and enforceable provision that most closely approximates the original legal intent and economic impact of such provision.

12.8 Remedies. Except as may be expressly stated otherwise in this Agreement, no right or remedy conferred upon or reserved by any party under this Agreement is intended to be, or shall be deemed, exclusive of any other right or remedy under this Agreement, at law or in equity, but shall be cumulative of such other rights and remedies.

12.9 Privacy. We collect certain data and information about you in connection with your access and use of the ETF Insider Materials. We will use, store and otherwise process such data and information in accordance with our Privacy Policy, which is hereby incorporated into, and made a part of, this Agreement by reference.

12.10 Waiver. No failure or delay on the part of any party in exercising any right or remedy under this Agreement shall operate as a waiver thereof, nor shall any single or partial exercise of any such right or remedy preclude any other or further exercise thereof or the exercise of any other right or remedy. Any waiver granted hereunder must be in writing (for waivers by you, emails will be acceptable; for waivers by ETF Insider, the writing must be duly signed by an authorized representative of ETF Insider), and shall be valid only in the specific instance in which given.

12.11 Relationship. The relationship of the parties is solely that of independent contractors. Nothing in this Agreement shall be deemed to create any employment, fiduciary, joint venture, agency or other relationship between the parties.

12.12 Notices to ETF Insider. Except as stated otherwise in this Agreement, you agree to send all notices to ETF Insider, to: ronkoren@etfinsider.co

12.13 No Third Party Beneficiaries. Except as may be expressly provided otherwise in this Agreement (such as ETF Insider Affiliates, ETF Insider licensors and suppliers, and Indemnitees), there shall be no third-party beneficiaries of, or under, this Agreement, and no third party shall be entitled to enforce any of these terms and conditions.

12.14 Export Compliance. You represent and warrant that: (a) you are not a resident of (and you will not use the Website in) a country that the U.S. or any other relevant government has embargoed for use of the Website, nor are you named on a governmental list of specially designated nationals or any other applicable trade sanctioning regulations of any jurisdiction; and (b) your country of residence and/or incorporation (as applicable) is the same as the country specified in the contact and/or billing address provided to us.

12.15 Force Majeure. Neither party shall be responsible for any failure to perform any obligation hereunder because of any (a) act of God, fire, flood, earthquake, explosion, or pandemic or epidemic (or similar regional health crisis); (b) strikes, lockouts, picketing, concerted labor action, or other labor or industrial disturbances; (c) invasion, war (declared or undeclared), terrorism, riot, insurrection, or civil commotion; (d) war (declared or undeclared), terrorism, riot or civil commotion; and/or (d) other similar cause beyond that party's reasonable control.

12.16 Advice. ETF Insider shall have no obligation or liability for any medical advice or suggestions provided to you (whether via the ETF Insider Materials or otherwise).

12.17 California Users. If you are a California resident, we are required to inform you that you may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs via mail at 1625 North Market Blvd., Suite N112, Sacramento, CA 95834 or telephone at (916) 445-1254 or (800) 952-5210. Hearing-impaired users can reach the Complaint Assistance Unit at TDD (800) 326-2297 or TDD (916).

12.18 Subpoenas. Nothing in this Agreement prevents ETF Insider from disclosing your information or data to the extent required by Law, subpoenas, or court orders.

13. DATA DISCLAIMER

13.1 All data and information is provided “as is” for informational purposes only, and is not intended for trading purposes or financial, investment, tax, legal, accounting or other advice. Please consult your broker or financial representative to verify pricing before executing any trade. ETF Insider is not an investment adviser, financial adviser or a securities broker. None of the data and information constitutes investment advice nor an offering, recommendation or solicitation by ETF Insider to buy, sell or hold any security or financial product, and ETF Insider makes no representation (and has no opinion) regarding the advisability or suitability of any investment.

13.2 None of the data and information constitutes investment advice (whether general or customized). The financial products or operations referred to in such data and information may not be suitable for your investment profile and investment objectives or expectations. It is your responsibility to consider whether any financial product or operation is suitable for you based on your interests, investment objectives, investment horizon and risk appetite. ETF Insider shall not be liable for any damages arising from any operations or investments in financial products referred to within. ETF Insider does not recommend using the data and information provided as the only basis for making any investment decision.

13.3 Data is provided by financial exchanges and other content providers and may be delayed as specified by financial exchanges or other data providers. ETF Insider does not verify any data and disclaims any obligation to do so.

13.4 ETF Insider, its data or content providers, the financial exchanges and each of their affiliates and business partners (A) expressly disclaim the accuracy, adequacy, or completeness of any data and (B) shall not be liable for any errors, omissions or other defects in, delays or interruptions in such data, or for any actions taken in reliance thereon. Neither ETF Insider nor any of our information providers will be liable for any damages relating to your use of the information provided herein. As used here, “business partners” does not refer to an agency, partnership, or joint venture relationship between ETF Insider and any such parties.

13.5 You agree not to copy, modify, reformat, download, store, reproduce, reprocess, transmit or redistribute any data or information found herein or use any such data or information in a commercial enterprise without obtaining prior written consent.

13.6 Either ETF Insider or its third party data or content providers have exclusive proprietary rights in the data and information provided.

13.7 Advertisements presented on ETF Insider Finance are solely the responsibility of the party from whom the ad originates. Neither ETF Insider nor any of its data licensors endorses or is responsible for the content of any advertisement or any goods or services offered therein.