Terms of Use
This web site (“Website”) is owned and operated by APPLIED REAL INTELLIGENCE LLC (“ARI”).
These Terms and Conditions of Use (“Terms of Use”) contain the terms, covenants, conditions, and provisions upon which you (i.e., a “user”) may access and use this Website and the content, including without limitation the opinions displayed on the Website.
If you are using this Website on behalf of an entity, you represent that you are authorized to bind such entity, in which case the terms “you” and “user” shall also include such entity.
By using this Website, you acknowledge that you have read these Terms of Use, understand them, and agree to be bound by their terms and conditions. If you do not agree to these Terms of Use, you may not use this Website.
These Terms of Use are current as of June 1, 2024.
1. Ownership of Information
These Terms of Use provide you with a personal, revocable, non-exclusive, nontransferable license to use the Website conditioned on your continued compliance with the terms and conditions of these Terms of Use.
All information provided on this website is owned or licensed by ARI, and unless otherwise indicated, is protected by law, including but not limited to copyright, trade secret and trademark laws.
None of such information may be copied or otherwise reproduced, repackaged, further transmitted, transferred, disseminated, redistributed or resold, or stored for subsequent use for any such purpose, in whole or in part, in any form or manner or by any means whatsoever, by any person without the prior written consent of ARI.
In particular and without limitation, ARI owns copyright in the Website as a collective work and/or compilation, any and all databases accessible on the Website, and in the selection, coordination, arrangement, and enhancement of the content of the Website. ARI and all other names, logos, and icons identifying ARI and/or ARI products and services are proprietary marks of ARI or its licensors.
The contents of the Website are © 2024, ARI, and/or its licensors. All rights reserved.
2. Use of Data
You warrant to ARI that you will not use this Website for any purpose that is unlawful or prohibited by these Terms of Use, including but not limited to attempting or actually (i) disrupting, impairing or interfering with this Website, (ii) collecting any information about other users of this Website, including passwords, accounts or other information, or (iii) systematically extracting data contained on this Website to populate databases for internal or external business use.
3. Disclaimers
(a) the ideas and other opinions provided via the Website are, and will be construed solely as, statements of opinion and not statements of fact as to investment worthiness, creditworthiness or recommendations regarding investment decisions or decisions to purchase, hold or sell any securities, or endorsements of the accuracy of any of the data or conclusions, or attempts to independently assess or vouch for the financial condition or investment worthiness of any company or financial instrument;
(b) each opinion will be weighed, if at all, solely as one factor in any investment or credit decision made by or on behalf of you; and
(c) you will accordingly make your own evaluation of each investment decision or security, and of each issuer and guarantor of, and each provider of credit support for, each security or credit that you may consider purchasing, holding, selling, or providing. You will not solely or mechanistically rely on investment ideas or opinions for assessing the worthiness of an entity or financial instrument.
The ideas and opinions provided via the Website do not take into account your personal objectives, financial situation or needs, and in providing opinions to you, ARI is not carrying out consultancy or advisory services. You should always seek the assistance of a professional for advice on investment, tax, legal, or other professional matters.
Because of the possibility of human and mechanical error as well as other factors, the Website and all related materials, products, services and information are provided on an “as is” and as available basis without representation or warranty of any kind.
All conditions, representations and warranties, whether express, implied, statutory or otherwise, including, without limitation, any implied warranty of merchantability, fitness for a particular purpose, or non-infringement of third party rights, are hereby disclaimed to the maximum extent permitted by applicable law by ARI and its licensors.
You assume the sole risk of making use of and/or relying on the information, materials, products, and services available on the website.
ARI makes no representation that materials on the Website are appropriate or available for use in any particular locations, and access to them from territories where any of the contents of the Website are illegal is prohibited. If you choose to access the Website from such locations, you do so on your own volition and are responsible for compliance with any applicable local laws. You agree and acknowledge that no oral or written information or advice given by ARI or any of its employees or agents with respect to the Website shall constitute a representation or a warranty unless such information or advice is incorporated into these Terms of Use by a written agreement. Further, the information, materials, products and services available on the Website may contain or include inaccuracies or errors, and there may be times when the Website or its content are unavailable. Moreover, ARI may make changes or modifications to the Website at any time, for any reason.
To the extent permitted by law, ARI and its licensors and suppliers disclaim liability for any damages based on your use of the website and its content. without limiting the foregoing, ari shall not have liability to any person or entity for any loss or damage in whole or in part caused by, resulting from, or relating to, any error (negligent or otherwise) or other circumstance or contingency within or outside the control of ARI or any of its directors, officers, employees or agents in connection with the procurement, collection, compilation, analysis, interpretation, communication, publication or delivery of information.
Under no circumstances will ARI or its licensors or suppliers be liable to you for any special, indirect, incidental or consequential damages of any kind, including, but not limited to, compensation, reimbursement or damages on account of the loss of present or prospective profits, expenditures, investments or commitments, whether made in the establishment, development or maintenance of business reputation or goodwill, for loss of data, cost of substitute materials, products, services or information, cost of capital, and the claims of any third party, or for any other reason whatsoever, even if ARI or its licensors or suppliers have been advised of the possibility of damages.
In any event, the aggregate liability of ARI and its licensors and suppliers for any reason whatsoever related to use of the website and its content shall not exceed the greater of (a) the total amount paid by the user for services provided via such website pursuant to these terms of use during the 12 months immediately preceding the event giving rise to liability, or (b) $100.
The limitations and exclusions contained herein will apply only to the maximum extent permissible under applicable law, and nothing herein purports to limit ARI’s liability in a manner that would be unenforceable or void as against public policy in the applicable jurisdiction.
4. Assumption of Risk
You assume the sole and complete risk of using the Website. Moreover, you agree (a) to hold ARI harmless for the use of third party software on the Website and (b) that ARI shall have no liability whatsoever to any person or entity for the accuracy and/or completeness of any outcome resulting from the use of such software.