Terms of Use

These Terms of Use (the "Terms") govern your access to and use of newissuegeeks.com and any related services, content, tools, or pages made available through it (collectively, the "Site"). The Site is operated by NewIssueGeeks ("we", "us", "our"). By accessing or using the Site, you ("you", "user") agree to be bound by these Terms. If you do not agree, do not use the Site.

Important: The Site is provided for informational and educational purposes only. Nothing on the Site constitutes investment, legal, tax, accounting, or other professional advice, nor an offer or solicitation to buy or sell any security or financial instrument.

1. Eligibility

You must be at least 18 years of age and capable of forming a legally binding contract to use the Site. By using the Site you represent and warrant that you meet these requirements and that your use of the Site complies with all laws and regulations applicable to you.

2. No Investment Advice

All content on the Site — including but not limited to new issue commentary, fair value estimates, indicative pricing, relative-value views, ratings information, market colour, and any analysis or opinion — is general in nature and is provided without regard to the investment objectives, financial situation, or particular needs of any specific person. The content does not constitute, and should not be relied upon as:

investment, financial, legal, tax, or accounting advice;
a recommendation to buy, sell, hold, or transact in any security or financial instrument;
an offer or solicitation in any jurisdiction in which such offer or solicitation would be unlawful;
a representation that any instrument, strategy, or transaction is suitable for you.

You are solely responsible for your own investment decisions. You should consult appropriately licensed and qualified professional advisers before acting on any information contained on the Site.

3. No Reliance; Information Accuracy

While we use reasonable efforts to ensure that information on the Site is accurate at the time of publication, markets move quickly and information becomes stale. We make no representation or warranty, express or implied, as to the accuracy, completeness, timeliness, suitability, or reliability of any content. Pricing, yields, spreads, ratings, and other market data may be indicative, delayed, sourced from third parties, or estimated, and may differ materially from executable levels.

4. Third-Party Content and Links

The Site may include content, data, or links provided by third parties (including issuers, dealers, data vendors, rating agencies, and news services). We do not endorse, verify, or accept responsibility for any third-party content, and inclusion of such content does not imply any association with the relevant third party. Your use of third-party websites is at your own risk and subject to their own terms.

5. Intellectual Property

All content on the Site — including text, analysis, charts, tables, graphics, logos, layouts, and software — is owned by us or our licensors and is protected by copyright, trademark, database, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable licence to access and view the Site for your personal, non-commercial use.

Except as expressly permitted, you may not copy, reproduce, republish, redistribute, transmit, sell, license, modify, create derivative works from, or otherwise exploit any content on the Site without our prior written consent.

6. Acceptable Use

You agree not to:

use the Site in any way that violates any applicable law or regulation;
use the Site to distribute, post, or transmit any unlawful, infringing, defamatory, fraudulent, or harmful content;
scrape, harvest, mirror, frame, or otherwise extract content from the Site by automated means without our prior written consent;
attempt to gain unauthorised access to any portion of the Site, related systems, or networks;
introduce any virus, trojan, worm, logic bomb, or other malicious or technologically harmful material;
use the Site to engage in market manipulation, insider dealing, or any other prohibited market conduct;
impersonate any person or entity, or misrepresent your affiliation with any person or entity;
interfere with or disrupt the integrity or performance of the Site.

7. User Submissions

If you submit comments, feedback, suggestions, or other materials to us through the Site ("Submissions"), you grant us a perpetual, irrevocable, royalty-free, worldwide licence to use, reproduce, modify, publish, and distribute such Submissions in any media. You represent that you have all rights necessary to grant this licence and that your Submissions do not infringe the rights of any third party.

8. Accounts and Security

If the Site offers user accounts, you are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must notify us immediately of any unauthorised use of your account. We reserve the right to suspend or terminate accounts at our discretion.

9. No Warranty

The Site and all content are provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, statutory, or otherwise. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted or error-free operation.

10. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall we, our affiliates, or our or their respective directors, officers, employees, agents, or licensors be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to loss of profits, loss of trading or investment opportunity, loss of data, loss of goodwill, or business interruption, arising out of or in connection with your access to, use of, or inability to use the Site or any content, whether based on contract, tort, statute, or any other legal theory, and whether or not we have been advised of the possibility of such damages.

Nothing in these Terms excludes or limits liability for fraud, fraudulent misrepresentation, or any other liability that cannot be excluded or limited as a matter of applicable law.

11. Indemnity

You agree to indemnify and hold harmless us and our affiliates and their respective directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with your use of the Site, your breach of these Terms, or your violation of any law or third-party right.

12. Termination

We may suspend, restrict, or terminate your access to the Site at any time, with or without notice, for any reason or no reason, including for any suspected breach of these Terms. The provisions of these Terms that by their nature should survive termination shall survive, including provisions relating to intellectual property, disclaimers, limitations of liability, and governing law.

13. Changes to the Site and to these Terms

We may modify, suspend, or discontinue the Site or any part of it at any time without notice. We may also revise these Terms from time to time by posting an updated version on the Site. The "Last updated" date at the top of these Terms reflects the date of the most recent revision. Your continued use of the Site after any such revision constitutes your acceptance of the revised Terms.

14. Privacy

Your use of the Site is also subject to our Privacy Policy, which is incorporated into these Terms by reference. Please review it to understand how we collect, use, and protect your information.

15. Governing Law and Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of [Jurisdiction]. The courts of [Jurisdiction] shall have exclusive jurisdiction to settle any such dispute or claim.

16. Miscellaneous

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. Our failure to enforce any provision shall not constitute a waiver of that provision. You may not assign or transfer these Terms without our prior written consent. These Terms constitute the entire agreement between you and us with respect to the Site and supersede all prior agreements and understandings.

17. Contact

Questions about these Terms can be sent to [contact@newissuegeeks.com].