Terms of Service for P.R. Curtman Investments Content Subscription Service “Morning Watchlist.”

1. Acceptance of Terms

By subscribing to the digital content provided by P.R. Curtman Investments ("the Company"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not subscribe to or use our services.

2. Description of Service

The Company provides a subscription-based service offering digital content which includes commentary on various investment vehicles such as stocks, bonds, ETFs, and mutual funds ("Content"). This Content is provided for general educational and informational purposes only and is not intended as investment advice. The Content may be delivered in various formats including written, digital, audio, visual, and may be provided via streaming or non-streaming platforms.

3. Subscription Fees and Payment

Subscriptions are charged on a monthly basis at a rate determined by the market. All fees are payable in advance and will automatically renew at the end of each subscription period, unless canceled by the subscriber. Prices are subject to change with notice provided to current subscribers prior to billing.

4. Cancellation Policy

Subscribers may cancel their subscription at any time by canceling their recurring payment through their payment provider. The cancellation will take effect at the end of the paid subscription period. Refunds are not provided for any remaining subscription period.

5. No Investment Advice

The Content provided by the Company is for informational purposes only and should not be construed as investment advice. The commentary is general in nature and may not be suitable for your individual financial situation, goals, objectives, or risk tolerance. The Company is not liable for any investment decisions made based on the Content.

6. Professional Advice Recommendation

Before making any financial decisions, subscribers are strongly advised to consult with a financial professional to obtain tailored advice appropriate to their personal financial situation.

7. Intellectual Property

All Content provided by the Company is the intellectual property of P.R. Curtman Investments. Subscribers are granted a non-exclusive, non-transferable license to access and view the Content for personal, non-commercial purposes only.

8. Disclaimer of Warranties

The Company provides the Content on an "as is" and "as available" basis. No warranties, express or implied, are made regarding the accuracy, reliability, or completeness of the Content.

9. Limitation of Liability

The Company shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses, resulting from the use or inability to use the service.

10. Indemnification

You agree to indemnify and hold harmless P.R. Curtman Investments and its employees, agents, and affiliates from any claims, damages, expenses, or losses sustained as a result of your use of the Content or violation of these Terms.

11. Modifications to Terms of Service

The Company reserves the right to modify these Terms at any time. Subscribers will be notified of any changes and continued use of the service will be deemed acceptance of the revised Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the state in which the Company is registered, without giving effect to any principles of conflicts of law.

13. Contact Information

For any questions or concerns regarding these Terms, please contact us at www.prcurtman.com.