TERMS OF SERVICE

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If at any time you cease to meet any of these requirements, you must immediately delete your account.

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Per these Terms of Service, and unless expressly permitted by local law, you represent that you will only use Stocks of the Month Services in accordance with these Terms of Service and you agree not to:

1. use the Site or Services for any illegal purpose;
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19. probe, scan or test the vulnerability of our Services or any system or network; or
20. encourage or promote any activity that violates these Terms of Service.

Stocks of the Month owns and retains all proprietary rights in the Services. Unless otherwise specified herein, the provision of the Services does not transfer to User or any third party any rights, title or interest in or to such intellectual property. Stocks of the Month does not oversee, monitor, or otherwise guarantee any content accessed via the Site or Services and provides no warranty with regard to this. Users are responsible for their own decisions. All rights not expressly granted herein are reserved. Where you purchase a subscription or a license to access any Services or Stocks of the Month Content, you may not share that subscription or license with others. Stocks of the Month may investigate and take any available legal action in response to illegal and/or unauthorized uses of the Service, including termination of your account.

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You agree that Stocks of the Month may access, preserve and disclose your account information if required to do so by law or in a good faith belief that such access, preservation or disclosure is reasonably necessary, such as to: (i) comply with legal process; (ii) enforce these Terms of Service; (iii) respond to your requests for customer service; or (iv) protect the rights, property or personal safety of Stocks of the Month or any other person.

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Our Services may only be used for lawful and ethical purposes. You agree to comply with these Terms of Service and all applicable laws, and to be respectful when communicating with any of our customer care representatives or other employees. You waive any and all rights against us and hold us harmless in connection with any claims relating to any action taken by us as part of an investigation of a suspected violation of these Terms of Service.

If we determine, in our sole discretion, that you have breached or failed to comply with these Terms of Service or otherwise violated the law or any applicable rule or regulation or that your actions are harmful to us, we reserve the right to terminate or restrict your account, use and/or access of the Services, with or without notice and without any liability. In the alternative, you may terminate the Services by discontinuing use of the Services and destroying all materials obtained from the Services. Notwithstanding the foregoing, the termination of any Premium Service subscription by the User shall require cancellation of such subscription by the User as provided in the "Subscriptions and Payments" section below.

In the event your account is terminated, your rights under these Terms of Service will automatically terminate. Accordingly, upon termination, your right to use the Services will immediately cease and you will lose all data related to your account. In such an event, you must cease all use of the Site and Services. Our failure to insist upon or enforce your strict compliance with these Terms of Service will not constitute a waiver of any of our rights.

We may make certain products, contents and/or services available to users of the Services in consideration of a subscription fee or other fees ("Subscription Fees"), including the ability to purchase certain products, services and enhancements to the Services ("Premium Services").

When subscribing to Premium Services, you will need to provide your name, email address and billing details, and to provide your payment card information to our third-party payment processor. You certify that all information you provide is accurate. You also agree to maintain and update your information as necessary so that it remains accurate and current. In the event that any information you provide is inaccurate or not up to date, Stocks of the Month reserves the right to cancel your subscription.

If you choose to use Premium Services, you acknowledge and agree that additional terms may apply to your use of, access to and purchase of such Premium Services, and such additional terms are incorporated herein by reference. When your paid subscription commences (which occurs when you complete your purchase of Premium Services) your payment account will be billed the applicable Subscription Fees and access to Premium Services will be granted or continue as the case may be. You authorize us and/or our third-party payment processors to charge and process your chosen payment method. If payment is not received by us from your chosen payment method, you agree to promptly pay all amounts due upon demand by us. Some Premium Services may charge you sales tax or any other applicable tax which may be charged in addition to the Subscription Fees, depending on where you live, which may change from time to time. Stocks of the Month reserves the right to revise Subscription Fees. Any change will apply only from your next renewal, and we will notify you by email at least fourteen (14) days, and not more than thirty (30) days, before it takes effect so that you can cancel beforehand.

If you purchase an auto-recurring periodic subscription, your payment method will continue to be billed for the subscription until you cancel. After your initial subscription commitment period, and again after any subsequent subscription period, your subscription will automatically continue for an additional equivalent period, at the price you agreed to when subscribing unless we have notified you of a price change before the renewal date. By purchasing any auto-recurring periodic subscriptions, you provide your electronic authorization for future charges against your credit card on file unless you cancel.

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Premium promotion until December 31, 2026. Until 11:59 p.m. U.S. Central Time on December 31, 2026, Premium Services are free, on the monthly or the annual option, and no payment card or billing details are needed. During the promotion you receive the same Premium Services as a paying subscriber, including the five (5) $1 Reports included each calendar month. When the promotion ends, your account automatically moves back to our free plan and you will not be charged; you may then choose to subscribe to Premium Services at the Subscription Fees in effect at that time.

In addition to subscriptions, we offer a pay-per-report research product known as the "$1 Report." A $1 Report is a research report on a stock you select, delivered on demand from our most recent weekly research report on that stock. We prepare and review these reports each week in advance; we do not write new content for individual requests, so customers who request the same stock in the same week receive the same research. Each $1 Report is charged as a one-time fee of $1.00 (USD) per report at the time you submit your request. Users who do not have an active Premium Services subscription are charged $1.00 for every $1 Report they request. Users with an active Premium Services subscription receive five (5) $1 Reports per calendar month at no additional charge, after which each additional report in that month is charged at $1.00 per report. The included monthly reports are available only while your Premium Services subscription is active. Reports are delivered to the email address associated with your account, typically within approximately five (5) minutes of your confirmed request, and may also be made available for download from the Site. Delivery times are estimates and are not guaranteed; delivery may take longer during periods of high demand or outside our normal business hours.

Our weekly research reports are prepared with the assistance of artificial intelligence and reviewed by our research team before they are made available, normally as of the Monday of each week. Each $1 Report shows the date of the research it is based on (the report date) and the date it was delivered, and it may not reflect information released between those two dates. A $1 Report does not include a rating of any kind, an opinion label, or a target price; we publish ratings and target prices only for our monthly "Stock of the Month" pick and our sector picks. A $1 Report may include our editor's opinion on the security. Any such opinion is impersonal and is not a recommendation that the security is suitable for you or any particular person. A $1 Report is not tailored to your financial situation or objectives and is not personalized investment, tax, legal, or other professional advice. Please refer to the "Securities Disclaimer" and "Impersonal Recommendations, Not Personalized Advice" sections of these Terms of Service.

If you do not wish your subscription to renew automatically, or if you want to change or terminate your subscription, you will need to access your account settings on Stocks of the Month, and follow instructions to cancel your subscription, even if you have otherwise deleted your account with us. Deleting your account on Stocks of the Month does not cancel your subscription; Stocks of the Month will retain all funds charged to your payment method until you cancel your subscription on Stocks of the Month, as applicable. If you cancel your subscription, you may use your subscription until the end of your then-current subscription term, and your subscription will not be renewed after your then-current term expires. We do not offer pro-rated refunds mid-subscription term.

Except for the money-back guarantee described below, or as otherwise provided under the Terms of Service, your payment for the Premium Services is non-refundable and we will not, under any circumstances, issue cash refunds for early plan cancellation.

We offer a 7-day money back guarantee on both monthly and annual subscriptions to Premium Services. If you cancel your subscription within 7 days of the date your first paid subscription period begins, you will be eligible to claim a full refund of the Subscription Fees you paid for that first period. To claim the refund, cancel your subscription in your account settings and email us at billing@stocksofthemonth.com within those 7 days, from the email address registered with your account. We will refund the Subscription Fees to your original payment method within seven (7) business days after we receive your email. The money-back guarantee applies only to your first paid subscription period, not to later renewals, and only once per customer. If you do not cancel your subscription and email us before the 7-day period ends, you will not be eligible to claim any refund whatsoever from us unless we otherwise decide to provide at our sole discretion.

Stocks of the Month and its third-party operational service providers reserve the right, with or without prior notice, for any or no reason, to change product descriptions, images, and references; to limit the available quantity of any product; to honor, or impose conditions on the honoring of, any coupon, coupon code, promotional code or other similar promotions; to bar any user from conducting any or all transaction(s); and/or to refuse to provide any user with any product. Further, if we terminate your use of or registration to the Services because you have breached these Terms of Service, you shall not be entitled to a refund of any unused portion of any fees, payments or other consideration.

$1 Reports are one-time digital purchases. Because work on each $1 Report begins as soon as you confirm your request, a $1 Report request cannot be cancelled once you have confirmed it, and all $1 Report purchases are final and non-refundable, except as described in this paragraph or where a refund is required by applicable law. If we are unable to deliver a $1 Report you requested, you will not be charged for it; if you have already been charged, we will refund the charge to your original payment method within seven (7) business days. If the report was one of the monthly $1 Reports included with a Premium Services subscription, it will not count toward your five (5) included reports for that month. The monthly $1 Reports included with a Premium Services subscription have no cash value, do not roll over to any subsequent month, and are non-refundable. If you believe you were charged in error for a $1 Report, please contact us at billing@stocksofthemonth.com.

Our Premium Services are aimed at and published for individuals residing in the United States. We make no representation that the Premium Services are appropriate for users outside the United States or permitted under the laws of other jurisdictions.

If you choose to access or use the Premium Services from a location other than the United States or you are otherwise not a United States resident, you do so at your own initiative and risk, and you bear full responsibility for compliance with any applicable local laws.

Generally, all purchases are final and nonrefundable, and there are no refunds or credits for partially used periods, except if the laws applicable in your jurisdiction provide for refunds.

To request a refund that you believe applicable law entitles you to, please contact us at billing@stocksofthemonth.com.

Notice to California Subscribers: California Civil Code Section 1789.3 requires us to provide you with the following information: You may file grievances and complaints with the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs, in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834, or by telephone at (800) 952-5210.

By registering an account and/or using the Service, you consent to receiving emails from us relating to your account, purchases and the Services, such as new picks, reports, service updates, and offers. You agree that any notices, agreements, disclosures or other communications that we send to you by email will satisfy any legal communication requirements, including that such communications be in writing.

You can unsubscribe from marketing emails at any time by following the unsubscribe instructions included in each such email, by changing your account settings, or by emailing us at support@stocksofthemonth.com. We may still send you emails about your account and purchases.

You understand that no content published on the Services constitutes a recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. You further understand that neither Stocks of the Month nor our affiliates or information providers are advising you personally concerning the nature, potential, value or suitability of any particular security, portfolio of securities, transaction, investment strategy or other matter. To the extent that any of the content published on the Services may be deemed to be investment advice or recommendations in connection with a particular security, such information is impersonal and not tailored to the investment needs of any specific person. You understand that an investment in any security is subject to a number of risks, and that discussions of any security published on the Services will not contain a list or description of relevant risk factors. In addition, please note that some of the stocks about which content is published on the Services may have a low market capitalization and/or insufficient public float. Such stocks are subject to more risk than stocks of larger companies, including greater volatility, lower liquidity and less publicly available information.

You understand that the Services may contain opinions from time to time with regard to securities mentioned in another part of the Services which may have different content. You understand that performance data is supplied by sources believed to be reliable, that the calculations on our Services are made using such data, and that such calculations are not guaranteed by these sources, the information providers, or any other person or entity, and may not be complete. All content on the Services is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons.

Stocks of the Month is not registered as a securities broker-dealer or an investment adviser either with the U.S. Securities and Exchange Commission (SEC) or with any state securities regulatory authority. Rather, Stocks of the Month relies upon the "publisher's exclusion" from the definition of investment adviser as described in Section 202(a)(11) of the Investment Advisers Act of 1940 and corresponding state securities laws. As stated earlier, we do not offer individualized advice tailored to any specific portfolio or to any user's particular needs. Our communication with you is entirely impersonal and it does not in any way establish a fiduciary relationship between you and Stocks of the Month that are characteristic of investment adviser-client relationships. We do not know your financial situation, risk tolerances, or investing objectives. Accordingly, any information provided by us does not constitute a recommendation that a particular security, strategy or action taken is suitable for you or any specific person for that matter.

The Services base its recommendations and forecasts on techniques, information and sources believed to be reliable in the past and cannot guarantee future accuracy and results. We or any of our affiliates or personnel will not be liable for any investment decision you make, or action you take based upon reliance of any material provided by us.

The Services are not intended to provide tax, legal, insurance or investment advice, and nothing on the Services should be construed as an offer to sell or a solicitation of an offer to buy any security. The Services include stock picks, ratings, target prices, and sell signals; these are impersonal recommendations published identically to all subscribers and are not a recommendation that any security is suitable for you or any particular person. Stocks of the Month does not accept compensation from any company whose securities it covers. Stocks of the Month does not hold investment licenses and is thus not licensed to provide investment advice. The content of the Services is not provided to any individual with a view toward their individual circumstances or any specific portfolio, but instead is of a strictly general and impersonal nature. You should independently verify any information before relying on it. You alone are solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation.

Stocks of the Month has no first-hand knowledge of any profiled company's operations and therefore cannot comment on their capabilities, intent, resources, nor experience and makes no attempt to do so. Information contained in the Services may also include forward-looking statements as defined under Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. You are cautioned not to place undue reliance upon these forward-looking statements. The past performance of a mutual fund, stock, or investment strategy cannot guarantee its future performance.

Stocks of the Month invests for its own account in each monthly "Stock of the Month" pick, using money contributed by two of its founders. Stocks of the Month and the other Covered Persons described below may also hold positions in other securities discussed on the Services, including securities covered by $1 Reports. Our track record begins with the first pick we published to subscribers after our public launch on November 2, 2026. It does not include any investment that our founders made for their own accounts, or that Stocks of the Month made for its own account, before that launch. You should take these positions into account when evaluating any content on the Services.

Who our trading policy covers. Our trading policy applies to Stocks of the Month, its founders, and every employee, editor, reviewer, or contractor who can see a pick or sell signal before it is published, and to the members of each of those persons' households (together, "Covered Persons").

What counts as a pick. In this section, a "pick" is our monthly "Stock of the Month" pick or any of our sector picks, and a "picked security" is the security a pick is about. A "trading day" is a day on which the New York Stock Exchange is open for regular trading.

Subscribers go first. Covered Persons do not buy or sell a picked security until three full trading days have passed after the related pick or sell signal was published to subscribers. This applies to Stocks of the Month's own monthly purchase of the pick as well as to every other Covered Person.

No buying ahead of a pick. We normally publish our picks on the first day of each month and begin considering securities for them three calendar days before the publication date. From the time we begin considering a security for an upcoming pick, Covered Persons do not buy it until that waiting period has passed.

Securities already held. If a Covered Person already holds a security when it becomes a pick, we say so in that pick. A Covered Person who holds a picked security does not sell it until we have published a sell signal on it and three full trading days have passed.

No trading against a pick. Covered Persons do not sell or short a security while it is our current pick.

Minimum holding period. A Covered Person who buys a picked security holds it for at least ten full trading days after buying it. This applies even if we publish a sell signal on the security sooner, and it applies to purchases by Stocks of the Month for its own account.

Disclosure on each pick. Each pick states whether Stocks of the Month holds the picked security when the pick is published and whether any other Covered Person holds it. Each monthly "Stock of the Month" pick also states that Stocks of the Month intends to buy the picked security for its own account once the waiting period has passed. Each sell signal states whether Stocks of the Month or any other Covered Person holds the security and that they may sell it once the waiting period has passed. These statements say whether a position is held, not its size.

$1 Reports and other research. The rules above apply to picks. They do not apply to other research we publish, including $1 Reports, which are research and not picks and do not include a rating or a target price.

No payment from covered companies. Stocks of the Month does not accept compensation of any kind from any company whose securities it covers.

THE SERVICES, AND ALL SERVER AND NETWORK COMPONENTS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR BAILMENT OF YOUR DATA ON OUR SERVERS OR SECURITY ASSOCIATED WITH THE TRANSMISSION OF INFORMATION TO US OR VIA THE SERVICES. YOU ALSO ACKNOWLEDGE THAT WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE OR VIRUS-FREE, THAT DEFECTS WILL BE CORRECTED, NOR DO WE MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICES, AND NO INFORMATION, ADVICE OR SERVICES OBTAINED BY YOU FROM US OR THROUGH THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS OF SERVICE.

YOU ACKNOWLEDGE THAT THE SERVICES ARE PROVIDED FOR INFORMATION PURPOSES ONLY AND IS NOT INTENDED FOR TRADING PURPOSES. THE SERVICE INCLUDES INFORMATION TAKEN FROM THE NEW YORK STOCK EXCHANGE, NYSE AMERICAN, NASDAQ AND/OR OTHER SOURCES. STOCKS OF THE MONTH DOES NOT GUARANTEE THE SEQUENCE, ACCURACY, USEFULNESS, ADEQUACY, COMPLETENESS OR TIMELINESS OF THE SERVICE. ACCORDINGLY, STOCKS OF THE MONTH, ITS MEMBERS, MANAGERS, OFFICERS AND EMPLOYEES, AFFILIATES, SUBSIDIARIES, SUCCESSORS AND ASSIGNS, SUPPLIERS AND ITS THIRD-PARTY AGENTS SHALL NOT, DIRECTLY OR INDIRECTLY, BE LIABLE, IN ANY WAY, TO YOU OR ANY OTHER PERSON FOR ANY INACCURACIES OR ERRORS IN OR OMISSIONS FROM THE SERVICE INCLUDING, BUT NOT LIMITED TO, QUOTES AND FINANCIAL DATA, ABSTRACTS, DELAYS, ERRORS OR INTERRUPTIONS IN THE TRANSMISSION OR DELIVERY OF THE SERVICE OR ANY LOSS OR DAMAGE ARISING THEREFROM OR OCCASIONED THEREBY, OR BY ANY REASON OF NONPERFORMANCE.

YOU ACKNOWLEDGE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS ACCESSED AT YOUR OWN DISCRETION AND RISK. STOCKS OF THE MONTH DISCLAIMS AND TAKES NO RESPONSIBILITY FOR ANY CONDUCT OF YOU OR ANY OTHER USER, ON OR OFF THE SERVICE.

TO THE EXTENT PERMISSIBLE UNDER APPLICABLE LAWS, IN NO EVENT SHALL STOCKS OF THE MONTH, OR ITS SUBSIDIARIES OR ANY OF THEIR MEMBERS, MANAGERS, OFFICERS, EMPLOYEES OR LICENSORS BE LIABLE (JOINTLY OR SEVERALLY) TO YOU FOR PERSONAL INJURY OR ANY SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER.

NOTHING IN THESE TERMS OF SERVICE SHALL AFFECT ANY NON-WAIVABLE STATUTORY RIGHTS THAT APPLY TO YOU. THIS SECTION SHALL SURVIVE ANY EXPIRATION OR TERMINATION OF YOUR RELATIONSHIP WITH STOCKS OF THE MONTH.

You agree to indemnify and hold us, and our respective members, managers, officers, employees, affiliates, consultants, contractors, third-party content providers, agents and their successor(s) and assignee(s) harmless from any liabilities, claims, expenses or demands, including reasonable attorneys' fees, arising directly or indirectly out of (i) your misuse of the Services, (ii) your violation of the laws, rules, and regulations, (iii) your breach of these Terms of Service, (iv) any information or feedback you provide to us, (v) your infringement of any intellectual property or other rights of any third party, including by breach of any license agreement with any third party resulting in the unauthorized uploading or storage of the third party's materials or other intellectual property on our server, and (vi) any other matter for which you are responsible for hereunder or under law. You agree that your use of the Services shall be in compliance with all applicable laws and regulations. The obligations under this section shall survive any termination or expiration of these Terms of Service or your use of the Services.

Our Services may contain links to third-party web sites or services that are not owned or controlled by Stocks of the Month. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party web sites or services. You further acknowledge and agree that Stocks of the Month shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

IN NO EVENT, UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY (INCLUDING, WITHOUT LIMITATION, TORT, CONTRACT, STRICT LIABILITY, OR OTHERWISE) SHALL STOCKS OF THE MONTH BE LIABLE FOR ANY DIRECT, INDIRECT, ECONOMIC, SPECIAL, INCIDENTAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL LOSSES OR DAMAGES RELATED TO: (A) THE SERVICES; (B) THE STOCKS OF THE MONTH CONTENT; (C) INFORMATION YOU PROVIDE TO US; (D) YOUR USE OF, INABILITY TO USE, OR THE PERFORMANCE OF THE SITE; (E) ACTION TAKEN IN CONNECTION WITH AN INVESTIGATION BY STOCKS OF THE MONTH OR LAW ENFORCEMENT AUTHORITIES REGARDING YOUR USE OF THE SITE; (F) ACTION TAKEN IN CONNECTION WITH COPYRIGHT OR OTHER INTELLECTUAL PROPERTY OWNERS; (G) ANY ERRORS OR OMISSIONS IN THE SERVICES' TECHNICAL OPERATION; OR (H) ANY DAMAGE THAT RESULTS FROM EVENTS BEYOND OUR REASONABLE CONTROL, SUCH AS DAMAGES TO ANY USER'S COMPUTER, MOBILE DEVICE, OR OTHER EQUIPMENT OR TECHNOLOGY INCLUDING, WITHOUT LIMITATION, DAMAGE FROM ANY SECURITY BREACH OR FROM ANY VIRUS, BUGS, TAMPERING, FRAUD, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER LINE OR NETWORK FAILURE OR ANY OTHER TECHNICAL OR OTHER MALFUNCTION, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOST PROFITS, LOSS OF GOODWILL, LOSS OF DATA, WORK STOPPAGE, ACCURACY OF RESULTS, OR COMPUTER FAILURE OR MALFUNCTION, EVEN IF FORESEEABLE OR EVEN IF STOCKS OF THE MONTH HAS BEEN ADVISED OF OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF ANY SUCH DAMAGES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE IS TO STOP USING IT.

IN NO EVENT WILL STOCKS OF THE MONTH'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES OR CAUSES OF ACTION EXCEED THE AMOUNTS PAID BY YOU, IF ANY, TO STOCKS OF THE MONTH IN THE PAST SIX MONTHS, OR $10, WHICHEVER IS GREATER. THIS SECTION SHALL SURVIVE ANY EXPIRATION OR TERMINATION OF YOUR RELATIONSHIP WITH STOCKS OF THE MONTH.

BY ACCESSING THE SERVICES, YOU UNDERSTAND THAT YOU MAY BE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED, AND IN ACCORDANCE WITH SUCH WAIVER, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND, AND HEREBY EXPRESSLY WAIVE, THE BENEFITS OF SECTION 1542 OF THE CIVIL CODE OF CALIFORNIA, AND ANY SIMILAR LAW OF ANY STATE OR TERRITORY, WHICH PROVIDES AS FOLLOWS: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY."

THE OBLIGATIONS UNDER THIS SECTION SHALL SURVIVE ANY TERMINATION OR EXPIRATION OF THESE TERMS OF SERVICE OR YOUR USE OF THE SERVICES.

The Services are subject to export control and economic sanctions laws and regulations administered or enforced by the United States Department of Commerce, Department of Treasury's Office of Foreign Assets Control ("OFAC"), Department of State, and other United States authorities (collectively, "U.S. Trade Laws"). You may not use the Services to export or re-export, or permit the export or re-export, of software or technical data in violation of U.S. Trade Laws. In addition, by using the Services, you represent and warrant that you are not (a) an individual, organization or entity organized or located in a country or territory that is the target of comprehensive OFAC sanctions (currently including Cuba, Iran, North Korea, and the Crimea, Donetsk and Luhansk regions of Ukraine); (b) designated as a Specially Designated National or Blocked Person by OFAC or otherwise owned, controlled, or acting on behalf of such a person; (c) otherwise a prohibited party under U.S. Trade Laws; or (d) engaged in nuclear, missile, chemical or biological weapons activities to which U.S. persons may not contribute without a U.S. Government license. The obligations under this section shall survive any termination or expiration of these Terms of Service or your use of the Services.

The Services do not host content posted by users. If you believe that any material on the Services infringes your copyright, please notify us at legal@stocksofthemonth.com with the subject line "Copyright Complaint". Your notice should include:

1. A physical or electronic signature of a person authorized to act on behalf of the owner of the copyright that is allegedly infringed;
2. Identification of the copyrighted work claimed to have been infringed;
3. Identification of the material that is claimed to be infringing and information reasonably sufficient to permit us to locate the material;
4. Information reasonably sufficient to permit us to contact you, such as an address, telephone number, and email address;
5. A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law;
6. A statement that the information in the notice is accurate, and under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

We will review each notice and remove or correct material where appropriate.

These Terms of Service and our Privacy Policy constitute the entire agreement between you and Stocks of the Month concerning the subject matter described hereunder and supersede all prior agreements.

Our failure to enforce any right or provision of these Terms of Service will not be considered a waiver of those rights. If any provision of these Terms of Service is held to be unlawful, invalid or unenforceable by a court, the remaining provisions of these Terms of Service will remain in effect.

These Terms of Service, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by Stocks of the Month without restriction. Any attempted transfer or assignment in violation hereof shall be null and void.

Users may submit complaints, in writing, to support@stocksofthemonth.com. Users must provide a detailed description of the basis of their complaint and their contact information to enable us to respond in a timely and appropriate fashion. All complaints are reviewed by Stocks of the Month and Stocks of the Month shall make commercially reasonable efforts to provide a response to users within 30 calendar days of submitting their complaint.

If another user submits a complaint about your use of the service we will investigate and, if you are found to be in breach of these Terms of Service, your account will be disabled on a temporary or permanent basis.

These Terms of Service and any action related thereto shall be governed and construed in accordance with the Federal Arbitration Act, federal arbitration law, and the laws of the State of Texas in the United States, without regard to any applicable conflict of law provisions. Except as otherwise expressly set forth in "Dispute Resolution Process and Scope" below, the exclusive jurisdiction for all Disputes (defined below) that you and Stocks of the Month are not required to arbitrate will be the state and federal courts located in Travis County, Texas, U.S.A. You and Stocks of the Month consent to the exercise of personal jurisdiction of those courts and waive any objection to jurisdiction and venue in such courts. In plain terms: if you bring a lawsuit against Stocks of the Month in court, you must file it in a state or federal court located in Travis County, Texas, and not in a court in any other state or country. The only exception is a small claims case permitted by the "Dispute Resolution Process and Scope" section below.

Initial Dispute Resolution — You and Stocks of the Month each agree that any dispute, claim or controversy arising out of or relating to this Agreement or the breach, termination, enforcement, interpretation or validity thereof or the use of the Services (collectively, "Disputes") will be resolved in accordance with this "Dispute Resolution Process and Scope" Section. Before serving a demand for arbitration of a claim, User must first notify Stocks of the Month of the claim by email to legal@stocksofthemonth.com, and seek informal resolution of the claim. Any notice from you must include your name, pertinent account information, a brief description of the claim, and your contact information. Stocks of the Month shall have 60 days from the date of the receipt of the notice to informally resolve your claim, which, if successful, will preclude the need for any further action.

Binding Arbitration. If the parties do not reach an agreed-upon solution within a period of sixty (60) days from the time informal dispute resolution is initiated under the Initial Dispute Resolution provision above, then You and Stocks of the Month each agree that such Dispute will be resolved solely by binding, individual arbitration and not in a class, representative or consolidated action or proceeding. You and Stocks of the Month agree that the U.S. Federal Arbitration Act governs the interpretation and enforcement of this Agreement, and that you and Stocks of the Month are each waiving the right to a trial by jury or to participate in a class action. This arbitration provision shall survive termination of this Agreement.

Exception: Notwithstanding the parties' decision to resolve all disputes through arbitration, as limited exceptions to the "Binding Arbitration" Section above (i) either party may seek to resolve a Dispute in small claims court if it qualifies; and (ii) we retain the right to seek injunctive or other equitable relief from a court to prevent (or enjoin) the actual or threatened infringement or misappropriation of our intellectual property rights or proprietary rights or breach of the Terms of Service. In addition, you will retain the right to opt out of arbitration entirely and litigate any Dispute if you provide us with written notice of your desire to do so by email at legal@stocksofthemonth.com within thirty (30) days following the date you first agree to this Agreement.

Conducting Arbitration and Arbitration Rules. The arbitration will be conducted by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (the "AAA Rules") then in effect, except as modified by this Agreement. The AAA Rules are available at www.adr.org or by calling 1-800-778-7879. A party who wishes to start arbitration must submit a written Demand for Arbitration to AAA and give notice to the other party as specified in the AAA Rules. If your claim is for U.S. $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic or video-conference hearing, or by an in-person hearing as established by the AAA Rules. If your claim exceeds U.S. $10,000, the right to a hearing will be determined by the AAA Rules. Any arbitration hearings will take place in the county where you live, unless we both agree to a different location.

Arbitration Costs. Payment of all filing, administration and arbitrator fees will be governed by the AAA Rules. If we prevail in arbitration we'll pay all of our attorneys' fees and costs and won't seek to recover them from you. If you prevail in arbitration you will be entitled to an award of attorneys' fees and expenses to the extent provided under applicable law.

Class Action Waiver. YOU AND STOCKS OF THE MONTH AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, if the parties' dispute is resolved through arbitration, the arbitrator may not consolidate another person's claims with your claims, and may not otherwise preside over any form of a representative or class proceeding. If any court or arbitrator determines that the class action waiver set forth in this paragraph is void or unenforceable for any reason or that an arbitration can proceed on a class basis, then the arbitration provisions set forth above shall be deemed null and void in their entirety and the parties shall be deemed to have not agreed to arbitrate disputes.

Effect of Changes on Arbitration. If Stocks of the Month changes any of the terms of this "Dispute Resolution Process and Scope" Section after the date you first accepted this Agreement, you may reject any such change by sending us written notice (including by email to legal@stocksofthemonth.com) within 30 days of the date such change became effective. By rejecting any change, you are agreeing that you will arbitrate any Dispute between you and Stocks of the Month in accordance with the terms of this "Dispute Resolution Process and Scope" Section as of the date you first accepted this Agreement.

Severability. Except as provided in the "Class Action Waiver" section, if any provision of these Terms of Service or Privacy Policy is deemed invalid, then that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms of Service will remain in full force and effect.

Survival. This Dispute Process and Scope section and other provisions of these Terms of Service that by their nature are intended to survive termination or expiration of this Agreement shall survive any termination of your use of the Services.

Stocks of the Month may update these Terms of Service from time to time. If we make a material change, we will notify you by email to the address associated with your account or by a prominent notice on the Site at least fourteen (14) days before the change takes effect, unless the change is required by law or needed for security reasons, in which case it may take effect immediately. Other changes take effect when the updated Terms of Service are posted, and the "Last Updated" date above will show when they were last revised. Changes apply only from their effective date and do not apply to any Dispute that arose before then. Your continued use of the Services after a change takes effect means you accept the updated Terms of Service. If you do not agree to the updated Terms of Service, you must stop using the Services and may cancel your subscription as described in the "Cancellation and Refund Policy" section.

If you have any questions regarding this policy and your responsibilities under it please contact us at support@stocksofthemonth.com. Legal notices may be sent to legal@stocksofthemonth.com or by mail to Stocks of the Month LLC, 5900 Balcones Dr Ste 100, Austin, Texas 78731, United States.

Provided for general information purposes only and does not constitute investment advice or a recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific individual.

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