Philoinvestor

Terms of Service

Welcome to Philoinvestor. By subscribing, reading, or interacting with this newsletter, you agree to the following terms:

1. Content Purpose

Philoinvestor provides information and educational content related to investing, markets, business, and macroeconomics etc.. None of the material is intended as personalised investment advice or a solicitation to buy or sell any financial instrument.

2. No Financial Advice

Philoinvestor is not a registered investment advisor, broker-dealer, or legal entity offering securities recommendations. The information shared is general and for informational purposes only. Always do your own research and consult a licensed financial advisor before making investment decisions.

3. Subscriber Conduct

You agree not to:

• Reproduce or redistribute subscriber-only content without permission

• Harass, spam, or otherwise abuse the comments or community features

• Attempt to hack, scrape, or misuse the platform

Violations may result in termination of your access.

4. Paid Subscriptions & Refunds

Paid tiers grant access to premium content for the duration of your billing cycle. You may cancel at any time, but no partial refunds are provided unless explicitly stated otherwise.

5. Privacy

Your email and personal data are managed by Substack under their Privacy Policy. Philoinvestor does not share subscriber data with third parties.

6. Changes to Terms

We reserve the right to modify these terms. Continued use of the newsletter after changes implies acceptance.

7. Investment Risk Disclosure

Investing involves risk, including possible loss of capital. You are solely responsible for your financial decisions.

8. Use of Third-Party Data

Some content may reference external sources (e.g., financial statements, stock prices, earnings reports). Accuracy is not guaranteed, and Philoinvestor assumes no liability for third-party data errors.

9. No Guarantee of Accuracy

While we strive to provide accurate and timely information, Philoinvestor makes no guarantees regarding the completeness, reliability, or accuracy of any content. Information may become outdated, incorrect, or based on third-party data beyond our control. We are not liable for any errors, omissions, or actions taken based on this content.