This is a legal document that specifies our obligations to you and your obligations to us. When we use “you” and “your” in this agreement, we are referring to the NorthStar customer. “We,” “us,” “our” and “NorthStar” refer to NorthStar Strategic Research LLC. By clicking on the "Yes, I agree..." button on an online version of this agreement or by signing your name to a printed version of this agreement you agree to its terms, as amended by us from time to time. By using our services, you agree to any online agreements that we post on our web site, including any changes we make to these agreements. You agree that these agreements are the legal equivalent of signed, written contracts, and are equally binding.
By using our services, including our web site, you are agreeing to be bound by our disclaimers, our terms of use and the stipulations of the customer agreement. If you do not agree with any portion of these disclaimers, terms of use or stipulations, you must immediately discontinue use of our services.
Disclaimers
The material we provide is for general informational purposes only. This includes the NorthStar StockCompass™ service and all our other services. This information is not intended as investment advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security, or fund. The opinions and analyses included in the information are based on sources believed to be reliable and written in good faith, but no representation or warranty, expressed or implied, is made as to their accuracy, completeness or correctness. We cannot and do not assess or guarantee the suitability or profitability of any particular investment, or the potential value of any investment or informational source. You bear responsibility for your own investment research and decisions, and should seek the advice of a qualified securities professional before making any investment. You may lose part of your investment, all of your investment, or, if bought on margin, more than your investment. Further, performance in the past is no guarantee of performance in the future.
Some information in our communications may be the result of historical back-testing and is hypothetical. Our staff, members of the staff's families, and/or entities with which they are affiliated, may from time to time, buy, sell or hold stock in the companies that appear in our communications and publications. We do not engage in front running; associated transactions will only occur at or after the first market opening following the release of information to our customers. Information is given as of the date appearing on the communication. We assume no obligation to update the information or advise on further developments relating to any named securities. The information found in NorthStar communications and publications is protected by the copyright laws of the United States and may not be copied, reproduced, or retransmitted in any way without the expressed, written consent of NorthStar Strategic Research LLC.
Our information is not intended to be and does not constitute financial advice or any other advice. The information is general and not specific to you. You should not execute any decision or action, be it financial or otherwise, without completing your own due diligence. You agree that any and all use of the information which you make is solely at your own risk and without recourse to us. Further, you acknowledge that you understand that NorthStar is not a licensed Financial Analyst, Financial Bank, Securities Broker, Dealer nor Financial Planner.
NorthStar, its employees, directors, and agents and any other parties involved in the creation, production or delivery or marketing of the information disclaim any responsibility and shall not, in any event, be liable for any damages, claims, liabilities, costs or obligations including any indirect, punitive, special, incidental or consequential damages, including without limitation, loss of use, loss of data, loss of business profits, loss of opportunity, business interruption, personal injury or any other pecuniary loss arising out of or in connection with the use or misuse of the information or with the delay or inability to use the information, whether such damages arise in contract, tort, strict liability, negligence, equity or statute law or by way of any other legal theory, even if we have been advised of the possibility of damages. Our liability shall be strictly limited to those monies paid-to-date by you. We disclaim any liability for unauthorized use or reproduction of any portion of the information.
Reserved Rights and Restrictions on Use
We own the intellectual property rights to all of the information in communications transmitted to you. We grant you a limited, non-exclusive, non-transferable license to use, display on your computer, and print the information for your own personal use. No other use is permitted. Prohibited use includes, but is not limited to the following:
- copying, transmitting, reproducing, creating derivative works from, transfering or selling any of the information
- using any of the information for any commercial purpose
- using any of the information for public display, or
- copying or transfering any of the information onto your personal web site or other web site or computer server.
It is not permissible to e-mail, copy or re-transmit our communications to anyone else. We reserve the right to terminate at any time, and without cause, access to our services.
It is a violation of federal copyright law to reproduce all or part of our communications or their contents by any means. The Copyright Act imposes liability of up to $150,000 per issue for such infringement. Information concerning illicit duplication will be gratefully received. NorthStar Strategic Research LLC does not license or authorize reproduction by subscribers or anyone else without specific written permission.
No Warranties
We do not guarantee or warrant the quality, accuracy, completeness, timeliness, appropriateness or suitability of the information or of any product or services provided or referenced. We assume no obligation to update the information or advise on further developments concerning topics mentioned. We provide this information on an "as is" basis. We make no representations or warranties of any kind whatsoever with respect to the information or with respect to the use or suitability of the information for any purpose. The information may contain inaccuracies, typographical errors or other errors. We disclaim all warranties, representations and conditions regarding the information, including, but not limited to, all implied warranties and conditions of merchantability, fitness for a particular purpose, title, non-infringement, freedom from libelous or privacy-invasive content, freedom from infections of viruses, and availability, whether expressed or implied, or arising from a course of dealing, usage or trade practice.
No Endorsement
References to any third party information, product, process or services are not an expressed or implied endorsement by us. Our staff, members of the staff's families, and/or entities with which they are affiliated, may from time to time, invest privately using the brokerage services of FOLIOfn, Inc. but NorthStar has no financial relationship with FOLIOfn, Inc.
Subscription-Based Content
Some information and/or services may be offered to you conditioned on your payment of subscription fees. If you elect to purchase subscription-based information/services and transmit a subscription purchase request to us, you warrant that all information that you submit is true and accurate, and you agree to pay all subscription fees you incur. You agree that these terms of use will apply to your subscription. You also agree to be bound by any additional terms of use, conditions and disclaimers that we may require from time to time.
Refund Policy
Our services come with an unconditional 30-day money back guarantee. If you are not satisfied for any reason in the first 30 days, contact us via e-mail and we will issue a full refund. Our 30-day money back guarantee is only applicable to customers subscribing for the first time. Once the 30-day money back guarantee period is over, no full refund or partial refund will be awarded. Subscribers who have taken advantage of our 30-day free trial subscription are ineligible for this 30-day money back guarantee.
Referral Program
Quarterly and yearly subscribers will receive one free month of service for each new subscriber that they refer to us. You can refer as many people as you like, and will keep receiving a free month of service for each new referral that maintains a paid subscription for more than 30 days.
Electronic Communications
You must give us an accurate and current e-mail address. You understand that we will communicate with you at our own discretion, and that we have no obligation to do otherwise. If we communicate with you, we make no representations and we strictly disclaim any responsibility that you will actually receive the communication.
Jurisdiction and Choice of Law
The courts in Washtenaw County, Michigan, will have exclusive jurisdiction in all disputes relating to the use of our services and web site. These terms and conditions will be governed and construed in accordance with Michigan law.
(last revised October 11, 2007)
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