Terms of Service.
These terms govern your use of Navaratnas and its newsletters. By using the site or subscribing, you agree to them. They work alongside our Disclosures and Privacy Policy.
1. Acceptance
By accessing Navaratnas, creating an account, or subscribing to any tier, you agree to these Terms. If you do not agree, do not use the service.
2. Eligibility
You must be at least 18 years old and capable of forming a binding contract. The service is intended for individuals making their own financial decisions.
3. The service is educational, not advice
Navaratnas publishes educational equity research of general applicability. It is not personalized investment, tax, legal, or accounting advice, and no fiduciary or advisory relationship is created by your use of it. We operate as a financial publisher under the publisher exemption of Section 202(a)(11)(D) of the Investment Advisers Act of 1940 (Lowe v. SEC, 472 U.S. 181 (1985)). See the full Disclosures for risk, performance, and conflict disclaimers, which are incorporated here by reference.
4. Accounts & sign-in
Sign-in is handled by a third-party login provider; we do not store passwords. You are responsible for activity under your account and for keeping your email and sign-in access secure. Notify us promptly of any unauthorized use.
5. Subscriptions, billing & refunds
- Tiers & pricing. Paid tiers and their prices are shown at checkout. The price you subscribe at is honored for your subscription (“grandfathering”) even if list prices later change.
- Billing. Subscriptions are billed in advance on a recurring basis (monthly or annually, as selected) through our payment provider until cancelled.
- Cancellation. You may cancel at any time; access continues through the end of the paid period and does not auto-renew thereafter.
- Refunds. Except where required by law, payments are non-refundable. If you believe you were billed in error, contact [email protected].
- Taxes. Prices exclude any applicable taxes, which are your responsibility.
6. Acceptable use
You agree not to:
- Redistribute, resell, or republish our content or data without written permission;
- Scrape, probe, overload, or attempt to gain unauthorized access to the service;
- Share account access in violation of your tier, or circumvent paywalls;
- Use the service for any unlawful purpose.
7. Intellectual property
All content, branding, methodology descriptions, and software are owned by Navaratnas / Tao.ai and protected by law. A subscription grants you a personal, non-transferable, revocable license to access content for your own use only.
8. No warranties
The service is provided “as is” and “as available” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, or uninterrupted availability. Market data may be delayed, incomplete, or contain errors.
9. Limitation of liability
To the maximum extent permitted by law, Navaratnas and Tao.ai are not liable for any indirect, incidental, special, consequential, or trading losses arising from your use of the service. Our total liability for any claim is limited to the amount you paid us in the twelve months preceding the claim.
10. Indemnification
You agree to indemnify and hold harmless Navaratnas and Tao.ai from claims arising out of your misuse of the service or violation of these Terms.
11. Suspension & termination
We may suspend or terminate access for violations of these Terms or for abuse of the service. You may stop using the service at any time.
12. Governing law
These Terms are governed by the laws of the United States and the State of Delaware, without regard to conflict-of-laws principles. The service is intended for users in jurisdictions where it is lawful to offer it.
13. Changes to these terms
We may update these Terms from time to time. Continued use after changes take effect constitutes acceptance. Material changes will be reflected by the “last updated” date above.
14. Contact
Questions about these Terms? Email [email protected].