Terms of Use

Introduction

Welcome to Modern Investment Markets. These Terms of Use (“Terms”) govern your access to and use of the website located at moderninvestmentmarkets.com (the “Site”), including all content, features, tools, and services available on it.

Please read these Terms carefully before using the Site. By accessing or using moderninvestmentmarkets.com, you confirm that you are at least 18 years of age, have read and understood these Terms, and agree to be bound by them. If you do not agree, you must discontinue use of the Site immediately.

1. About the Site

Modern Investment Markets is an independent financial media publication. We publish editorial content covering stocks, exchange-traded funds (ETFs), mutual funds, cryptocurrency, market research, and general investment topics.

The Site is intended for informational and educational purposes only. It is not a licensed brokerage, registered investment advisor, or financial planning service.

2. No Financial Advice

This is one of the most important sections of these Terms. Please read it carefully.

Nothing published on moderninvestmentmarkets.com constitutes:

• Financial advice or investment advice of any kind
• A recommendation to buy, sell, or hold any security, asset, token, or financial instrument
• An offer or solicitation to participate in any investment strategy or transaction
• Tax, legal, or accounting guidance

All content on this Site, including articles, analysis, commentary, data summaries, price references, and opinion pieces, is provided for informational and educational purposes only.

Markets are volatile and unpredictable. Past performance referenced on this Site does not guarantee future results. All investing involves risk, including the possible loss of principal. You should conduct your own independent research and consult a licensed financial advisor, tax professional, or legal counsel before making any investment decision.

You bear full responsibility for any financial decisions you make based on content found on this Site.

3. Eligibility

To use this Site, you must:

• Be at least 18 years of age (or the legal age of majority in your jurisdiction)
• Have the legal capacity to enter into a binding agreement
• Not be prohibited from accessing or using financial content under applicable law in your jurisdiction

By using the Site, you represent and warrant that you meet all of the above eligibility requirements.

4. Intellectual Property

All content published on Modern Investment Markets — including but not limited to articles, analysis, graphics, logos, site design, data visualizations, and written commentary — is the intellectual property of Modern Investment Markets or its respective content contributors, and is protected under applicable copyright, trademark, and intellectual property laws.

You may:

• Read, share, and link to our content for personal, non-commercial purposes
• Quote brief excerpts with clear attribution and a link back to the original page

You may not:

• Reproduce, republish, or redistribute full articles or substantial portions of our content without prior written permission
• Scrape, crawl, or systematically extract content from the Site for commercial purposes
• Use our content, brand name, or logo to imply endorsement or affiliation without our express consent
• Sell, license, or monetize our content in any form

Requests for content licensing or republication may be directed to us via the contact details at the end of this page.

5. User Conduct

When using this Site, you agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable laws or regulations
• Attempt to gain unauthorized access to any part of the Site or its underlying systems
• Introduce malware, viruses, or any other harmful code
• Engage in any activity that disrupts, damages, or impairs the Site’s functionality
• Impersonate any person or entity or misrepresent your affiliation with any organization
• Use the Site to harass, defame, or harm any individual or group
• Circumvent any technical measures we use to protect the Site or its content

We reserve the right to restrict or terminate access for any user who violates these conduct standards, at our sole discretion and without prior notice.

6. Third-Party Links and Content

Our Site may contain links to third-party websites, including financial data providers, news outlets, brokerage platforms, research firms, and other external resources. These links are provided for your convenience and reference only.

Modern Investment Markets does not endorse, control, or take responsibility for the content, accuracy, privacy practices, or availability of any third-party site. Accessing external links is done entirely at your own risk, and we encourage you to review the terms and privacy policies of any third-party site you visit.

We may also embed or reference data, prices, charts, or statistics sourced from third parties. While we make reasonable efforts to ensure accuracy, we cannot guarantee that third-party data is current, complete, or error-free.

7. Affiliate Relationships and Advertising

Modern Investment Markets may participate in affiliate marketing programs or display advertising. This means we may earn a commission or fee if you click a link and take an action (such as opening an account or making a purchase) with a third-party advertiser or affiliate partner.

Where material affiliate relationships exist, we will disclose them clearly within the relevant content. Affiliate relationships do not influence our editorial independence or the integrity of our analysis.

We may also display advertisements served by third-party ad networks. These advertisements are not endorsements of the products or services advertised.

8. Accuracy and Content Updates

We strive to publish accurate, well-researched, and timely content. However, financial markets move fast, and information can become outdated quickly.

Modern Investment Markets makes no representations or warranties, express or implied, regarding the accuracy, completeness, timeliness, or suitability of any content on the Site. We reserve the right to update, correct, modify, or remove content at any time without notice.

You should always verify information independently before relying on it for any purpose.

9. Disclaimer of Warranties

To the fullest extent permitted by applicable law, this Site and all of its content are provided on an “as is” and “as available” basis, without warranties of any kind, express, implied, or statutory.

We expressly disclaim all warranties, including, but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the Site will be uninterrupted, error-free, or free of harmful components
• Warranties regarding the accuracy or reliability of any content, data, or analysis

10. Limitation of Liability

To the maximum extent permitted by law, Modern Investment Markets, its owners, editors, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

• Your use of or inability to use the Site
• Any financial loss or investment decision made based on content found on the Site
• Errors, omissions, or inaccuracies in published content
• Unauthorized access to or alteration of your data
• Any other matter relating to the Site or its content

This limitation applies regardless of the legal theory under which a claim is brought, even if we have been advised of the possibility of such damages.

11. Indemnification

You agree to indemnify, defend, and hold harmless Modern Investment Markets and its owners, editors, contributors, and service providers from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with:

• Your use of the Site
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit or transmit through the Site

12. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with applicable law. Any disputes arising from these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the competent courts in the applicable jurisdiction.

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

13. Changes to These Terms

We reserve the right to modify these Terms at any time. When we make changes, we will update the “Last Updated” date at the top of this page. Your continued use of the Site after any changes are posted constitutes your acceptance of the revised Terms.

We encourage you to review these Terms periodically to stay informed of any updates.

14. Termination

We reserve the right to suspend or terminate your access to the Site at any time, for any reason, without notice or liability, including if we believe you have violated these Terms or applicable law.

15. Contact Us

If you have any questions about these Terms of Use, please reach out: info@moderninvestmentmarkets.com