Terms, Conditions, Disclosures, and Conflicts

These Terms, Conditions, Disclosures, and Conflicts (these “Terms”) are effective as of the Effective Date above. These Terms explain the material terms, disclaimers, and disclosures that apply to content and services provided by Vintara Investing (collectively “Vintara Investing,” “Vintara,” “we,” “us,” “our”, or “publisher”) through vintarainvesting.com (the “Website”), the client portal at app.vintarainvesting.com (the “Client Portal”), email newsletters and messages distributed from insights@vintarainvesting.com, reports, premium content, and other communications (collectively, the “Materials”). By accessing or using the Website, the Client Portal, emails from insights@vintarainvesting.com, reports, or other Materials, you agree to these Terms. If you do not agree, do not access or use the Materials.

1. No Investment Advice

1.1 The Materials are provided for informational and educational purposes only and do NOT constitute investment, financial, tax, legal, or accounting advice, nor a recommendation, offer, or solicitation to buy or sell any security.

1.2 Nothing in the Materials creates a fiduciary, advisory, broker, or professional relationship between you and Vintara Investing, its affiliates, officers, directors, employees, or contributors (collectively, “we,” “us,” or “Publisher”). If you require individualized or personalized advice, consult a licensed professional.

1.3 No Reliance. You acknowledge that you will not rely on the Materials as a substitute for your own research, judgment, or for advice from a qualified professional.

2. Forward-Looking Statements & Accuracy

2.1 This Publication may contain forward-looking statements, estimates, projections, and opinions. All such statements are inherently uncertain and subject to change without notice.

2.2 While we use commercially reasonable efforts to provide accurate and up-to-date information, Vintara Investing does not guarantee the accuracy, completeness, or timeliness of any data, analysis, or opinions contained in the Materials. All information is subject to change without notice.

3. Conflicts of Interest & Ownership Disclosure

3.1 The Publisher, its writers, principals, and/or their family members or affiliates may own long or short positions in securities discussed in the Materials. Such positions may be established, increased, reduced, or closed at any time and without notice.

3.2 We may receive compensation directly or indirectly in connection with the publication of certain content (including sponsored content, affiliate arrangements, referral fees, or other commercial relationships). Paid or sponsored content will be clearly labeled where applicable.

3.3 Positions Timestamp; No Public Holdings Register. Each Publication will include a publication timestamp and a one-line position disclosure stating that positions may exist and the time as of which positions were current. We do not maintain a public, author-by-author holdings register; readers should assume positions may exist unless a Publication expressly states otherwise.

4. No Requests for Personalized Investment Advice; Declination Policy; Non-Creation of Adviser Relationship

4.1 You must not solicit or request personalized investment advice, portfolio recommendations, trading instructions, or tailored financial planning from the Publisher, its employees, contributors, or representatives regarding the contents of the Material or any security discussed herein.

4.2 All such requests will be declined. If you nonetheless submit a request for personalized advice via email, the client portal, or any other channel, the Publisher’s sole obligations shall be to (a) transmit a written refusal to provide personalized investment advice and (b) at the Publisher’s option provide only generic, non-personal informational responses (for example, factual clarifications). The Publisher expressly reserves the right to ignore, delete, or refuse to respond to requests that seek personalized investment advice.

4.3 Any response by the Publisher to an inquiry shall be informational only, shall not be tailored to your individual circumstances, and shall not create a fiduciary, advisory, or other professional relationship between you and the Publisher. Do not rely on such communications as personalized advice.

5. No Solicitation & Third-Party Links

5.1 This Publication is not a solicitation or offer to buy or sell any security.

5.2 We may link to third-party websites or content. We do not control, endorse, or guarantee the accuracy, completeness, or timeliness of any content on third-party sites and are not responsible for their privacy practices or terms. Your use of third-party sites is at your own risk.

6. Indemnification

6.1 To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Vintara Investing, its officers, directors, employees, agents, affiliates, and contributors from and against any and all losses, liabilities, damages, claims, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your breach of these Terms; (b) your misuse of the Materials; (c) your reliance on or use of any information contained in the Materials; or (d) any third-party claim arising from your action or inaction based on the Materials. This indemnity shall survive termination of any subscription or access to the Materials.

7. Limitation of Liability

7.1 To the fullest extent permitted by applicable law, IN NO EVENT shall Vintara Investing or its officers, directors, employees, agents, affiliates, or contributors be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages (including lost profits, trading losses, or loss of data) arising out of or related to the Materials, your access to or use of the Materials, or reliance on any information contained in the Materials, even if advised of the possibility of such damages.

7.2 You assume all risk associated with any investment decision based on the Materials.

8. Notice; Opportunity to Cure

8.1 Before initiating any arbitration or litigation arising out of or relating to the Materials, you agree to provide Vintara Investing with written notice of the claim at support@vintarainvesting.com describing the nature of the claim, the facts on which it is based, and the relief sought. Vintara Investing shall have sixty (60) days from receipt of such notice to investigate and, if reasonably practicable, cure or propose a resolution. If the parties cannot resolve the dispute within that period, you may pursue the remedies available to you under these Terms.

9. Monetary Cap

9.1 To the fullest extent permitted by applicable law, the aggregate liability of Vintara Investing and its affiliates arising out of or relating to these Materials shall not exceed the greater of: (a) the subscription fees actually paid by you to Vintara Investing in the twelve (12) months preceding the claim; or (b) USD $1,000. This cap shall not apply to liability arising from fraud, willful misconduct, or any liability that cannot be limited by applicable law.

10. Corrections, Updates & Archiving

10.1 If we discover a material error in published Materials, we will publish a correction and timestamp it on the Website and, where practicable, in the client portal. Because emails cannot be edited after distribution, corrections to emailed materials will be posted and timestamped on the Website and/or in the client portal and may be referenced in a subsequent communication or subsequent email issue.

10.2 Archiving. We will retain archived copies of Publications and corrections for a commercially reasonable period and, upon reasonable request, will provide copies to subscribers or regulators as required by law.

11. No Warranty

11.1 The Materials are provided “AS IS” and “AS AVAILABLE,” with all faults and without warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, completeness, non-infringement, or uninterrupted availability.

12. Changes & Amendments

12.1 We may update or revise these Terms at any time. The Effective Date at the top reflects when the current version takes effect. For material changes affecting subscriber rights or legal remedies, we will provide notice in a prominent manner (for example, via email and a prominent website notice). Continued access to or use of the Materials after the Effective Date constitutes acceptance of the revised Terms.

13. Governing Law & Dispute Resolution

13.1 These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to conflict-of-law principles.

13.2 Except where prohibited by applicable law, any dispute, claim, or controversy arising out of or relating to these Terms or the Materials shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules (or JAMS at Vintara Investing’s election). The arbitration will be conducted in Cook County, Illinois (remote proceedings permitted).

13.3 YOU AND VINTARA INVESTING EACH WAIVE ANY RIGHT TO A JURY TRIAL AND AGREE TO BRING CLAIMS ONLY ON AN INDIVIDUAL BASIS; CLASS, COLLECTIVE, AND REPRESENTATIVE ACTIONS ARE WAIVED TO THE EXTENT PERMITTED BY LAW.

13.4 If arbitration is prohibited by applicable law with respect to any particular claim, the parties agree that the state and federal courts located in Cook County, Illinois shall have exclusive jurisdiction over that claim.

13.5 The notice and cure requirement in Section 8 must be satisfied before initiating arbitration or court litigation.

14. Statute of Limitations

14.1 To the fullest extent permitted by law, any claim or cause of action arising out of or relating to these Terms or the Materials must be brought within one (1) year after the claim arises, or it will be forever barred. (Please consult counsel regarding enforceability in your jurisdiction.)

15. Severability

15.1 If any provision of these terms is found invalid or unenforceable, such provision will be struck and the remaining provisions will remain in full force and effect.

16. Incorporation of Full Disclosures & Conflicts; Contact

16.1 By continuing to access or read this Publication you expressly acknowledge that you have read, understand, and agree to be bound by Vintara Investing’s full Disclosures & Conflicts page, which supplements and is incorporated by reference into these Terms. The full Disclosures & Conflicts page is available at: https://vintarainvesting.com/disclosures.

16.2 Contact & Legal Notices. Official editorial distributions and notices are sent from insights@vintarainvesting.com. For customer inquiries, corrections, privacy requests, or other general matters contact: support@vintarainvesting.com. Legal notices and claims must be sent to support@vintarainvesting.com and are subject to the notice and cure requirement in Section 8.

17. Third-Party Processors & Privacy

17.1 We use third-party service providers (including, without limitation, Beehiiv for subscription management and newsletter delivery, email/analytics providers, hosting providers, and payment processors). These processors may transfer and process personal data in the United States and other countries. For details on categories of data collected, processing purposes, retention, transfer safeguards, and how to exercise data subject rights, see our Privacy Policy: https://vintarainvesting.com/privacy.

Survival

The provisions of Sections 3, 4, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, and 17 (as renumbered above) and any other provisions that by their nature should survive termination shall survive any expiration or termination of these Terms.

By accessing or using the Website, the Client Portal, emails from insights@vintarainvesting.com, reports, or other Materials, you acknowledge that you have read, understood, and agree to be bound by these Terms, Conditions, Disclosures, and Conflicts.