Terms of Service for The Investor’s Beacon  
Effective Date: 04/29/2025

1. Introduction  
Welcome to The Investor’s Beacon! By accessing or using the website located at https://www.theinvestorsbeacon.com (the “Site”), and by subscribing to our newsletter, you agree to comply with and be bound by these Terms of Service (“Terms”) and acknowledge that all content is for informational purposes only. You further agree that we do not provide investment, financial, tax, or legal advice. If you do not agree to these Terms, please do not use the Site or subscribe.

2. Use of the Site  
You are granted a limited, non-exclusive, revocable license to access and use the Site and its newsletter for personal, non-commercial purposes. You agree to use the Site and its services in accordance with these Terms and all applicable laws and regulations.

3. User Accounts  
To access certain features of the Site or subscribe, you may be required to create an account through Memberstack. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. You agree to notify us immediately of any unauthorized use or security breach.

4. Subscription and Payments  
The Investor’s Beacon offers subscription-based services. All payments are processed securely through Stripe via Memberstack. By subscribing, you agree to pay all applicable fees and to these Terms. You may cancel your subscription at any time through your Memberstack account. By subscribing you also confirm that you have read, understood, and agreed to these Terms, including the investment disclaimer above.

5. User Conduct  
You agree not to:  
 • Use the Site or newsletter for any unlawful purpose.  
 • Engage in any activity that could harm or disrupt the Site, its newsletter distribution, or its users.  
 • Impersonate any person or entity or falsely represent your affiliation.  
 • Attempt to gain unauthorized access to the Site, newsletter systems, or any related networks.

6. Intellectual Property  
All content, materials, and features on the Site and in the newsletter, including text, graphics, logos, and software, are the intellectual property of The Investor’s Beacon or its licensors. You agree not to reproduce, distribute, or create derivative works without our express written permission.

7. Third-Party Services  
The Site and newsletter may integrate with third-party services, including Memberstack and Stripe. Your use of those services is governed by their respective terms and privacy policies. We are not responsible for any issues arising from your use of third-party services.

8. Termination  
We reserve the right to terminate or suspend your access to the Site and newsletter, with or without notice, for any reason, including if we believe you have violated these Terms. Upon termination, your right to use the Site and receive the newsletter will immediately cease.

9. Disclaimer of Warranties  
The Site and newsletter are provided “as is” and “as available,” without any warranties of any kind, express or implied. We do not guarantee uninterrupted access, error-free content, or any specific outcome from using our summaries or analyses.

10. Limitation of Liability  
To the fullest extent permitted by law, The Investor’s Beacon and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site, newsletter, content, or these Terms.

11. No Investment Advice  
All summaries, analyses, and other content provided through The Investor’s Beacon are for educational and informational purposes only and do not constitute financial, investment, tax, or legal advice. You should consult your own professional advisor before making any financial decisions.

12. Governing Law  
These Terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.

13. Changes to These Terms  
We may update these Terms from time to time. Significant changes will be communicated via email and will be reflected here with a new effective date.

14. Contact Information  
If you have any questions or concerns about these Terms, please contact us at support@theinvestorsbeacon.com.