Terms of Service

1. Nature of Service

MonthlyAlerts.com ("the Service") publishes financial and business research for educational and informational purposes. The Service provides general commentary, data analysis, and company profiles prepared from public information believed to be reliable. Nothing on this site or in email alerts constitutes a personalized investment recommendation, financial planning, or solicitation to buy or sell any security.

2. Regulatory Classification

MonthlyAlerts.com is not registered as an investment adviser under the Investment Advisers Act of 1940 or any state securities law because the Service qualifies for the "publisher's exemption."

Under SEC Release IA-1092 and related case law (e.g., Lowe v. SEC, 472 U.S. 181 (1985)), publishers who provide impersonal and bona fide financial research available to the general public and not tailored to specific client objectives are not considered investment advisers.

Our work is therefore classified as investment research, similar in nature to services such as Value Line, Morningstar, and The Wall Street Journal's financial sections.

3. No Personalized Advice

The information presented does not consider any reader's personal financial situation, objectives, or risk tolerance. You must make your own investment decisions or consult a licensed professional before acting on any information contained herein.

4. Accuracy and Liability

All data and opinions are based on sources believed reliable but are not guaranteed for accuracy or completeness. Market data and prices may change without notice. MonthlyAlerts.com and its contributors assume no responsibility for losses or damages arising from reliance on the material provided.

5. Performance and Auditing

Past performance or back-tested results are not indicative of future outcomes. Any performance tracking or audit report is provided solely for transparency and should not be interpreted as a recommendation or forecast.

6. Subscription and Cancellation

Subscribers may cancel at any time. Upon cancellation, access to future alerts terminates at the end of the current billing period. No refunds are issued for past periods.

7. Intellectual Property

All content, graphics, and code are the property of MonthlyAlerts.com. Redistribution without permission is prohibited.

8. Contact

Questions about these terms may be directed to admin at monthlyalerts dot com.

Effective Date: October 5, 2025