Terms and Conditions

BuzzBurst Media LLC

Effective Date: 03/13/2026

Important — Read Before Using This Platform. These Terms & Conditions are a legally enforceable contract between you and BuzzBurst Media LLC. They contain a mandatory individual-arbitration provision, a prohibition on class and representative actions, a waiver of the right to jury trial, a strict monetary cap on liability, and other clauses that significantly narrow your available legal remedies. Accessing or using the Platform in any way — including by opening, reading, or clicking any link in an email from BuzzBurst Media LLC or its affiliates — constitutes your unconditional acceptance of every provision set out below. If you do not accept these Terms in full, you must cease all use of the Platform immediately and opt out of all email communications.

CHAPTER 1. PRELIMINARY MATTERS

1(a) Parties and Scope

These Terms & Conditions (“Terms”) constitute a binding legal contract between you (“you” or “your”) and BuzzBurst Media LLC (“BuzzBurst,” “we,” “our,” or “us”), a limited liability company organized under the laws of Florida.

These Terms govern your use of https://buzzburst.net and every related website, newsletter, email communication, and digital channel that BuzzBurst Media LLC operates or through which it distributes content (collectively, the “Platform”). By accessing, browsing, subscribing to, or receiving any communication from the Platform, you accept these Terms and our Privacy Policy, incorporated herein by reference. If you disagree with any provision, stop using the Platform at once and opt out of all email communications.

These Terms should be read together with our Privacy Policy, which describes our data-collection and data-handling practices and forms part of the agreement between you and BuzzBurst Media LLC. In the event of any conflict between these Terms and the Privacy Policy, these Terms shall control.

1(b) Eligibility

1(b)(i) Age Requirement. The Platform is available only to persons who have reached the age of eighteen (18) and who are legally competent to enter into binding contracts under the law of their jurisdiction. Any access or use by a person under eighteen is strictly prohibited.

1(b)(ii) Children Under Thirteen. BuzzBurst Media LLC does not knowingly collect, solicit, or retain personal information from children under the age of thirteen (13), consistent with the Children’s Online Privacy Protection Act (15 U.S.C. § 6501 et seq.) (“COPPA”). If BuzzBurst Media LLC becomes aware that personal information has been inadvertently received from a child under thirteen, it will take prompt steps to delete such information. If you believe a child under thirteen has provided personal information through the Platform, please contact us at hello@buzzburst.net.

1(b)(iii) Jurisdictional Compliance. You bear sole responsibility for confirming that your access to and use of the Platform is lawful in your jurisdiction.

1(c) Defined Terms

As used throughout these Terms — and as referenced in our Privacy Policy — the following defined terms carry the meanings assigned below:

“Materials” means every article, newsletter, email, market commentary, analysis, opinion, chart, graphic, video, data display, hyperlink, and any other content we publish or distribute through the Platform, regardless of format.

“Released Parties” means BuzzBurst Media LLC together with: (i) all current and former officers, directors, managing members, and managers of BuzzBurst Media LLC; (ii) all employees, contractors, and other personnel engaged in the operation of the Platform; (iii) licensors and data providers whose technology or content is incorporated into the Platform; (iv) advertising counterparties and commercial sponsors; and (v) all entities standing in a parent, subsidiary, or affiliate relationship with BuzzBurst Media LLC — whether a claim is asserted against any one of them alone, jointly with others, or as a group.

“Cryptographic Assets” means cryptocurrencies, tokens (including utility, governance, and security tokens), stablecoins, non-fungible tokens, decentralized-finance instruments and protocols, and any other asset that exists on, is recorded by, or derives its value from distributed-ledger or blockchain technology.

CHAPTER 2. NATURE OF OUR TRADE NAME

2(a) “Media” Is a Commercial Identifier Only

BuzzBurst Media LLC is a financial media publishing company. The word “Media” in our trade name is a commercial brand identifier only. It describes our business as a publisher and distributor of editorial content — it does not imply, suggest, or represent any of the following: the provision of media-buying, advertising-agency, or marketing services on behalf of clients; the possession of any broadcast license, press credential, or regulatory authorization as a media operator; any expertise, specialization, or professional credential in financial advisory or asset management services; or any registration, licensure, or authorization as an investment adviser, financial planner, broker-dealer, or any other regulated financial-services provider.

BuzzBurst Media LLC operates exclusively in the business of financial journalism and editorial publishing. No user, subscriber, or reader of the Platform should infer from the name “BuzzBurst Media LLC” that any advisory, fiduciary, professional, or client-manager relationship is offered or exists.

2(b) No Advisory Relationship Implied by Name

The use of our name in any context does not constitute a representation of professional financial expertise, regulated advisory services, or media-industry specialization beyond the act of publishing content. The name “BuzzBurst Media LLC” is a trade identifier chosen for brand purposes and confers no professional status, regulatory authorization, or advisory capability on the Platform or its operators.

CHAPTER 3. CROSS-BORDER ACCESS

3(a) Primary U.S. Operations

The Platform is operated from the United States and is principally directed at users within the United States. BuzzBurst Media LLC makes no representation that the Platform or any Materials are appropriate, lawful, or available for use outside the United States.

3(b) Responsibility of International Users

If you access the Platform from outside the United States, you do so at your own initiative and bear sole responsibility for compliance with all applicable laws in your jurisdiction, including those governing financial information services, consumer protection, electronic marketing, and data privacy. Nothing published through the Platform constitutes an offer, solicitation, or invitation in any jurisdiction where doing so would be unlawful or would impose regulatory obligations on BuzzBurst Media LLC.

3(c) Conditional International Regulatory Compliance

BuzzBurst Media LLC’s obligations to users located outside the United States depend on the laws of the jurisdiction in which those users reside. Where those laws independently impose requirements on BuzzBurst Media LLC — including the requirements arising under Regulation (EU) 2016/679 (the “GDPR”), the ePrivacy Directive 2002/58/EC as implemented in applicable member-state law, and equivalent frameworks enacted by other sovereign authorities — BuzzBurst Media LLC will take reasonable steps to satisfy those requirements as they specifically apply to its processing activities. Nothing in this provision should be construed as a waiver of any legal defense available to BuzzBurst Media LLC under U.S. law, nor as a general consent to the jurisdiction of any foreign court or regulatory body. For a description of how BuzzBurst Media LLC handles personal data across different jurisdictions, please consult our Privacy Policy.

CHAPTER 4. IDENTITY AND CHARACTER OF BUZZBURST MEDIA LLC

4(a) A Financial Media Publisher — Not a Financial Services Firm

BuzzBurst Media LLC is in the business of financial journalism and editorial publishing — not financial services. It publishes financial news, market commentary, editorial opinion, analytical writing, and educational material aimed at a general readership. Every one of those activities is editorial in character and none triggers the licensing or registration obligations that apply to banks, broker-dealers, investment advisers, insurance intermediaries, tax professionals, or other participants in the regulated financial sector. BuzzBurst Media LLC holds no charter, license, or regulatory authorization from the SEC, FINRA, the OCC, the CFTC, any state banking or insurance regulator, or any equivalent foreign body. No supervisory authority oversees BuzzBurst Media LLC as a provider of financial services.

Access to and use of the Platform generates no relationship — advisory, fiduciary, agency, or otherwise — between you and BuzzBurst Media LLC beyond that of a publisher and a reader.

4(b) Comprehensive Disclaimer of Professional Advice

NOTHING IN THE MATERIALS — WHATEVER THEIR FORMAT, SUBJECT MATTER, OR CHANNEL OF DELIVERY — CONSTITUTES, OR SHOULD BE READ AS, ANY OF THE FOLLOWING: (1) INVESTMENT ADVICE OR AN INVESTMENT RECOMMENDATION OF ANY KIND; (2) FINANCIAL PLANNING, WEALTH-MANAGEMENT, OR PORTFOLIO-ADVISORY GUIDANCE; (3) TAX ADVICE, TAX PLANNING, OR TAX-PREPARATION SERVICES; (4) LEGAL ADVICE OR LEGAL REPRESENTATION; (5) ACCOUNTING, BOOKKEEPING, OR AUDITING SERVICES; (6) BROKER-DEALER, SECURITIES-CLEARING, OR INTERMEDIATION SERVICES; (7) INSURANCE ADVICE, PLACEMENT, OR BROKERAGE; (8) A SOLICITATION, OFFER, OR RECOMMENDATION TO BUY, SELL, HOLD, SHORT, OR OTHERWISE TRANSACT IN ANY SECURITY, CRYPTOGRAPHIC ASSET, DERIVATIVE, COMMODITY, OR OTHER FINANCIAL PRODUCT; (9) A PERSONALIZED SUITABILITY REVIEW, RISK ASSESSMENT, OR INDIVIDUALIZED FINANCIAL ANALYSIS; OR (10) ANY OTHER PROFESSIONAL ADVICE OR SERVICE REQUIRING A LICENSE, REGISTRATION, CERTIFICATION, OR OTHER REGULATORY AUTHORIZATION.

Materials reflect the views of their authors as of the date of publication and are furnished on a strictly “as-is” basis. References to specific securities, Cryptographic Assets, or strategies are for informational and illustrative purposes only and are not directed at any individual reader.

THE MATERIALS ARE GENERAL-AUDIENCE READING MATERIAL AND ARE NOT A SUBSTITUTE FOR PROFESSIONAL SERVICES. BEFORE UNDERTAKING ANY FINANCIAL COMMITMENT, INVESTMENT TRANSACTION, TAX FILING, OR LEGALLY SIGNIFICANT STEP, YOU ARE REQUIRED TO SEEK ADVICE FROM A SUITABLY CREDENTIALLED AND INDEPENDENTLY LICENSED PROFESSIONAL WHOSE PRACTICE IS APPROPRIATE TO YOUR SPECIFIC CIRCUMSTANCES AND OBJECTIVES. BUZZBURST MEDIA LLC WILL NOT BE HELD ACCOUNTABLE FOR THE OUTCOME OF ANY DECISION MADE WITH OR WITHOUT REFERENCE TO THE MATERIALS.

4(c) Affirmative Regulatory Disclaimers

BuzzBurst Media LLC does not hold, and has at no time held, any registration, license, or authorization from the U.S. Securities and Exchange Commission (“SEC”), the Financial Industry Regulatory Authority (“FINRA”), any state securities commissioner, or any other domestic or foreign financial regulatory body. Without limiting the foregoing:

(i) we do not function as a broker-dealer under the Securities Exchange Act of 1934, as amended;
(ii) we do not provide investment-advisory services under the Investment Advisers Act of 1940, as amended;
(iii) we do not solicit, offer, or recommend transactions in securities, Cryptographic Assets, or financial instruments, and no Material constitutes an offer to sell or a solicitation of an offer to buy any security or Cryptographic Asset in any jurisdiction;
(iv) no fiduciary duty, duty of loyalty, or professional-client relationship arises from the provision or receipt of any Material;
(v) we conduct no suitability analysis, know-your-customer review, or individualized investment evaluation for any user; and
(vi) we do not hold, custody, manage, or control any user’s funds, securities, or Cryptographic Assets.

CHAPTER 5. EDITORIAL DISCLOSURES

5(a) Purpose of Our Publications

All Materials are created and distributed for journalistic, editorial, educational, and informational purposes only. Nothing we publish is intended to, or should be interpreted as an attempt to, manipulate, artificially inflate, artificially deflate, or exert undue pressure on the price, trading volume, liquidity, or market perception of any security, Cryptographic Asset, or other financial instrument.

5(b) Conflicts of Interest and Position Disclosure

BuzzBurst Media LLC, its affiliates, principals, employees, contractors, and contributors may hold long or short positions in securities, Cryptographic Assets, or other financial instruments discussed in the Materials at any time. We do not disclose such positions on a per-publication or per-email basis and assume no obligation to reveal the existence, timing, size, or direction of any position unless required by applicable law. You are cautioned that the financial interests of our organization or its personnel may influence editorial coverage of particular instruments; factor this possibility into your independent evaluation.

5(c) Forward-Looking Statements and Speculative Content

Materials may include forward-looking statements within the contemplation of applicable securities laws, including the Private Securities Litigation Reform Act of 1995, to the extent that statute reaches our editorial output. Such statements — identifiable by language such as “anticipate,” “expect,” “believe,” “estimate,” “forecast,” “may,” “should,” “could,” “project,” “outlook,” or comparable expressions — are inherently speculative. Actual outcomes may diverge materially from those projected or implied. We make no warranty as to the accuracy or reliability of forward-looking statements and owe no duty to revise, update, supplement, or retract any Material after initial publication, regardless of new information or changed circumstances.

Materials may also incorporate unconfirmed reports, market rumors, or editorial speculation that should not form a dependable basis for financial decisions.

5(d) Performance Data

Any performance figures, returns, profit-and-loss data, yield calculations, or investment results in the Materials are presented for illustrative purposes only and carry no implication about future performance. Such figures may represent hypothetical, simulated, or historically reconstructed scenarios that do not reflect genuine market conditions, including the effects of liquidity constraints, execution slippage, brokerage commissions, advisory fees, transaction taxes, and market impact. No claim is made that any user will or is likely to achieve comparable results.

PAST PERFORMANCE OF ANY SECURITY, CRYPTOGRAPHIC ASSET, STRATEGY, OR MODEL PORTFOLIO DOES NOT GUARANTEE FUTURE RESULTS AND IS NOT INDICATIVE OF FUTURE PERFORMANCE.

5(e) Third-Party Market Data

Prices, quotations, and financial data cited in the Materials may be delayed, aggregated, interpolated, or furnished by third-party data providers and are not warranted to be current, accurate, or complete.

CHAPTER 6. CRYPTOGRAPHIC ASSET RISKS

6(a) Applicability

Materials that reference Cryptographic Assets are subject to the following material risk factors, among others. This disclosure does not purport to identify every risk associated with Cryptographic Asset transactions.

6(b) Enumerated Risk Factors

Extreme Market Volatility

Values of Cryptographic Assets may increase or decrease dramatically within short periods, up to and including a complete loss of value. Price movements may be driven by speculation, regulatory announcements, technological events, macroeconomic developments, or market sentiment, all of which are difficult or impossible to predict.

Evolving Regulatory Landscape

The legal status and regulatory treatment of Cryptographic Assets varies by jurisdiction and is subject to rapid change. Certain Cryptographic Assets may be classified as securities, commodities, or other regulated instruments, which may materially affect their availability, tradability, taxation, and value. Adverse regulatory action — including outright bans, enforcement proceedings, or mandatory disclosures — could permanently impair the value or availability of a Cryptographic Asset.

Risk of Total and Permanent Capital Loss

Allocations to Cryptographic Assets may result in the total and permanent loss of the amount invested. You should commit only funds you are fully prepared to lose in their entirety. No assurance exists that any Cryptographic Asset will retain any value at any time.

Exchange, Platform, and Custodial Failure

Exchanges, trading platforms, and custodians may be compromised by cyberattacks, become insolvent, face regulatory shutdown, or suffer operational failures. Users may lose access to or suffer permanent irrecoverable loss of Cryptographic Assets held on such platforms.

Smart Contract and Protocol Risk

Cryptographic Assets that operate through smart contracts or decentralized protocols are exposed to coding errors, software exploits, and governance failures that may cause the irreversible loss of user funds.

Absence of Government-Backed Protections

Cryptographic Assets are not insured by the Federal Deposit Insurance Corporation (“FDIC”), the Securities Investor Protection Corporation (“SIPC”), or any other governmental or quasi-governmental guarantee or protection program.

Tax and Compliance Obligations

Transactions in Cryptographic Assets may give rise to significant and complex tax consequences under applicable federal, state, and international law. You are solely responsible for determining, reporting, and satisfying all applicable tax obligations. BuzzBurst Media LLC provides no tax advice.

Liquidity Risk

Certain Cryptographic Assets may be thinly traded or illiquid. It may be difficult or impossible to sell, exchange, or convert such assets at a desired price or at all.

BUZZBURST MEDIA LLC MAKES NO REPRESENTATION OR WARRANTY REGARDING THE LEGALITY, SAFETY, SUITABILITY, OR PROFITABILITY OF ANY CRYPTOGRAPHIC ASSET DISCUSSED IN THE MATERIALS.

6(c) DeFi Yield Instruments and Structured Crypto Products

Materials may from time to time discuss yield-generating mechanisms offered through decentralized finance protocols, including liquidity provision, staking, lending, and synthetic asset strategies. These instruments carry risks that are qualitatively different from those of spot Cryptographic Asset exposure:

(vii) Yield rates cited in Materials are denominated in the underlying cryptographic asset and fluctuate continuously based on protocol utilisation, competitive yields offered by alternative protocols, and governance decisions made by token holders; they do not constitute a guaranteed return in fiat-currency terms;
(viii) Structured crypto products — including leveraged tokens, perpetual futures with funding rates, and options-based yield strategies — involve derivative exposure and may lose value to zero through mechanism-specific paths (e.g., leveraged token decay, liquidation cascades) that are distinct from straightforward spot price decline;
(ix) Tax treatment of yield, staking rewards, and liquidity-provision returns is unsettled in many jurisdictions and may result in taxable income recognition at the time of receipt regardless of whether proceeds are reinvested or liquidated.

BuzzBurst Media LLC makes no representation regarding the suitability, legality, tax efficiency, or risk profile of any DeFi yield instrument discussed in the Materials for any particular Platform user.

CHAPTER 7. ARTIFICIAL INTELLIGENCE DISCLOSURE

BuzzBurst Media LLC may employ artificial-intelligence tools — including large language models and automated text-generation systems — to draft, edit, or format Materials. Human editorial review is applied before publication; however, AI-assisted output may nevertheless contain factual errors, omissions, outdated information, logical inconsistencies, or fabricated claims. No AI-assisted Material constitutes personalized financial guidance, algorithmic advisory output, or individualized investment analysis of any kind. AI tools used by BuzzBurst Media LLC have no access to, and do not analyze, any individual user’s financial circumstances, investment goals, risk tolerance, or net worth.

CHAPTER 8. ADVERTISING, AFFILIATES, AND THIRD-PARTY RELATIONSHIPS

8(a) FTC Material-Connection Disclosure

BuzzBurst Media LLC’s commercial disclosure practices are structured to conform with the endorsement and testimonial requirements codified at 16 C.F.R. Part 255. This Chapter 8 constitutes a general standing notice of BuzzBurst Media LLC’s commercial arrangements. Each specific Material or email in which a particular compensated or affiliated relationship is active will further include a dedicated disclosure embedded at the place and moment in that communication where it is most relevant. The data we collect in connection with affiliate and advertising activity is described in the Advertising, Affiliate Relationships, and Revenue section of our Privacy Policy.

8(b) How We Are Compensated

BuzzBurst Media LLC earns revenue from third-party advertisers, affiliate networks, sponsors, and commercial partners. Compensation may be structured as any of the following, among other arrangements:

Engagement-click fee (“CPC”) — BuzzBurst Media LLC receives a payment each time a user selects a designated link or promotional unit within the Platform;
Completion-based fee (“CPA”) — a payment is earned upon a user’s completion of a defined action, such as establishing a new account, enrolling in a subscription service, or concluding a financial transaction;
Revenue-sharing (“RevShare”) — a percentage of revenue generated by referred users over a defined measurement period;
Fixed-fee sponsorship and display advertising placements; and
Hybrid or blended compensation structures combining elements of the above.

8(c) Categories of Promoted Products and Services

Products and services featured in or linked from the Platform may include: online trading and brokerage platforms; cryptocurrency exchanges, digital wallets, and staking services; investment education courses, seminars, webinars, and subscription research services; financial planning and analytical software; insurance products; personal finance, credit, and lending products; and other commercial offerings from third-party partners.

8(d) Affiliate Links

Links within the Platform — including in email communications and website content — may be affiliate links. When you click on an affiliate link and complete a qualifying action, BuzzBurst Media LLC may receive compensation. You should presume that any link to a third-party product or service within the Platform may generate affiliate compensation for BuzzBurst Media LLC.

8(e) No Endorsement or Quality Assurance

A compensation arrangement with a third party does not constitute an endorsement, guarantee, warranty, certification, or quality assurance of any product, service, or provider. BuzzBurst Media LLC does not verify third-party claims and does not assess the suitability of any promoted product or service for any individual user. You are solely responsible for evaluating any product or service before engaging with it.

8(f) Influence of Commercial Relationships on Coverage

Compensation relationships may affect which products, services, or providers receive coverage in the Platform, their prominence and positioning, the editorial framing applied, and the frequency of mention. Consider the potential for commercial influence when evaluating any Material.

8(g) No Liability for Third-Party Products or Services

BuzzBurst Media LLC accepts no responsibility for the performance, quality, legality, safety, or suitability of any third-party product or service. Dealings between you and any third party are exclusively between you and that party. BuzzBurst Media LLC shall not be liable for any loss, damage, or expense arising from such dealings, including those resulting from fraud, misrepresentation, product defects, service failures, or non-delivery. BuzzBurst Media LLC has no duty to monitor, screen, audit, or verify any third-party product, service, or provider referenced through the Platform. Your interactions with any third party are undertaken solely at your own risk.

CHAPTER 9. EMAIL MARKETING AND ELECTRONIC COMMUNICATIONS COMPLIANCE

9(a) CAN-SPAM Act Compliance

BuzzBurst Media LLC’s commercial email practices are designed to comply with the Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003 (CAN-SPAM Act, 15 U.S.C. § 7701 et seq.) and applicable implementing regulations. In connection with its commercial email communications, BuzzBurst Media LLC commits to the following:

(x) each commercial email will accurately identify itself as a commercial communication to the extent required by applicable law;
(xi) each commercial email will include BuzzBurst Media LLC’s valid physical mailing address;
(xii) each commercial email will include a clear and conspicuous mechanism through which recipients may opt out of future commercial messages; and
(xii) all opt-out requests received through the designated unsubscribe mechanism or by direct written communication will be acted upon within ten business days, the outer limit set by the CAN-SPAM Act.

For a full description of how personal data collected through our email program is used, stored, and protected — including our suppression list practices — please refer to the Email Communications section of our Privacy Policy.

9(b) Consent to Receive Email

By providing your email address to BuzzBurst Media LLC — whether directly or through a third-party source from which BuzzBurst Media LLC has lawfully obtained your contact information — you consent to receive electronic communications from BuzzBurst Media LLC and its affiliates. Such communications may include financial news, newsletters, promotional emails, marketing materials, and operational notices. Electronic communications satisfy any legal requirement that a notice or communication be in writing, to the fullest extent permitted by applicable law.

9(c) How to Unsubscribe

You may withdraw your consent to receive commercial email communications at any time, free of charge, by: (i) clicking the unsubscribe link included in any commercial email; or (ii) submitting a written request to hello@buzzburst.net. BuzzBurst Media LLC will honor your request within ten (10) business days as required by the CAN-SPAM Act. Unsubscribing from commercial email does not affect your receipt of transactional or service-related messages that BuzzBurst Media LLC may be permitted or required to send under applicable law.

9(d) SMS and Mobile Messaging

If BuzzBurst Media LLC or its affiliates transmit text messages, SMS, MMS, or other mobile communications to you, such transmissions may be subject to the Telephone Consumer Protection Act (47 U.S.C. § 227) (“TCPA”) and applicable state telemarketing and consumer protection laws. Where required by applicable law, BuzzBurst Media LLC will obtain prior express written consent before sending marketing messages to a mobile number. Standard carrier message and data rates may apply. Send “STOP” to any message or write to hello@buzzburst.net to opt out of mobile messages. Opting out of mobile messages does not cancel email subscriptions, and vice versa.

CHAPTER 10. YOUR OBLIGATIONS AND ACKNOWLEDGMENTS

10(a) Representations You Make

By using the Platform you represent and warrant that, as of each occasion on which you access the Platform:

(1) you are at least eighteen (18) years old and legally competent to enter into these Terms;
(2) your jurisdiction does not prohibit or restrict your use of the Platform or your receipt of the Materials;
(3) you are not a person or entity included on, or subject to ownership or control by any party included on, any applicable sanctions or restricted-party register maintained by the U.S. Department of the Treasury’s Office of Foreign Assets Control (“OFAC”), the U.S. Department of State, the European Union, or any other applicable sanctions authority;
(4) you will not use the Platform for any unlawful purpose, including market manipulation, securities fraud, money laundering, or other financial crime;
(5) you will conduct your own independent research, analysis, and due diligence before making any financial or investment decision, and will not rely solely on any Material as the basis for such a decision;
(6) you have read, understood, and accepted all risk disclosures in these Terms; and
(7) all personal information you provide to BuzzBurst Media LLC is accurate, current, and complete.

10(b) California Residents — CCPA / CPRA Rights

California Civil Code §§ 1798.100 et seq. — the California Consumer Privacy Act of 2018, substantially restructured by the California Privacy Rights Act of 2020 (together the “CCPA/CPRA”) — confers on California residents legally enforceable data-privacy rights. Your rights include:

Disclosure right (Civil Code § 1798.110): obtain a full accounting of the categories and specific items of personal information we have collected, the sources of that data, the business purpose for collection, and the categories of parties with whom it is shared;
Deletion right (Civil Code § 1798.105): demand erasure of personal information we retain about you, subject to the exceptions the statute enumerates;
Correction right (Civil Code § 1798.106): require that inaccurate personal information in our records be amended;
Opt-out right (Civil Code § 1798.120): instruct us to cease selling or sharing your personal information for the purpose of cross-contextual behavioral advertising; and
Non-discrimination right (Civil Code § 1798.125): we may not deny you services, charge you a different price, or provide you a degraded experience because you exercised any of the rights listed above.

To exercise any of the above, submit a verifiable consumer request using the process described in the Your Privacy Rights section of our Privacy Policy, or contact hello@buzzburst.net directly with the subject line “California Privacy Rights Request.”

10(c) Voluntary Assumption of Risk

BY USING THE PLATFORM YOU EXPRESSLY ACKNOWLEDGE AND VOLUNTARILY ASSUME EVERY RISK ASSOCIATED WITH: (1) FINANCIAL, INVESTMENT, OR TRADING DECISIONS MADE ON THE BASIS OF OR IN CONNECTION WITH ANY MATERIAL; (2) THE INHERENT VOLATILITY AND HAZARDS OF SECURITIES, CRYPTOCURRENCY, AND CRYPTOGRAPHIC ASSET MARKETS; (3) THE POSSIBILITY OF PARTIAL OR TOTAL CAPITAL LOSS; (4) THE RISK THAT MATERIALS MAY PROVE INACCURATE, INCOMPLETE, STALE, OR MISLEADING; (5) ENGAGEMENT WITH THIRD-PARTY ADVERTISERS, AFFILIATES, OR SPONSORS; AND (6) ALL OTHER RISKS ARISING FROM YOUR USE OF THE PLATFORM. YOU ACKNOWLEDGE THAT FINANCIAL MARKETS CARRY SUBSTANTIAL RISK OF LOSS AND THAT HISTORICAL PERFORMANCE DOES NOT PREDICT FUTURE OUTCOMES. YOU AGREE THAT THE RELEASED PARTIES ARE NOT RESPONSIBLE FOR ANY LOSSES, DAMAGES, OR COSTS YOU INCUR FROM YOUR USE OF OR RELIANCE ON THE PLATFORM.

You acknowledge that you are a self-directed user who bears sole and exclusive responsibility for evaluating the merits and risks of any financial or commercial decision you make.

10(d) Disclaimer of Reliance

All Materials are provided for general informational and educational purposes only. You have no right to treat them as a substitute for independent professional advice or analysis. You accept sole responsibility for every decision you make — including investment decisions, trades, and omissions — in connection with or informed by the Materials. Neither the Company nor any Released Party shall bear responsibility for such decisions.

You further affirm, as a material term of this agreement, that you engage with the Platform as a self-directed reader whose financial and commercial judgments are formed through your own analysis, independently of BuzzBurst Media LLC’s editorial output. No Material has ever been held out to you as individualized advice, and none has been received by you in that capacity. To the broadest extent the governing law permits, you irrevocably and completely release the Released Parties from any claim or legal proceeding asserting that reliance on BuzzBurst Media LLC’s Materials was a contributing or proximate cause of financial harm to you.

10(e) Affirmative Duty to Seek Professional Advice

You acknowledge a duty to seek guidance from qualified, independently licensed professionals whose practice is relevant to the decision at hand — which may include a licensed securities adviser, an independent financial planner, an attorney admitted to relevant bars, or a certified public accountant — before relying on any information from the Platform to make a consequential financial, legal, or tax decision.

10(f) Accessibility

BuzzBurst Media LLC is committed to making the Platform reasonably accessible to users with disabilities, consistent with applicable legal standards including, where applicable, the Americans with Disabilities Act of 1990, as amended (“ADA”). If you experience difficulty accessing any portion of the Platform, please contact us at hello@buzzburst.net and we will make reasonable efforts to assist you.

10(g) Legal Compliance

You will observe all applicable local, state, federal, and international laws in your use of the Platform, including all export-control laws, trade-sanction programs, and embargo regulations.

CHAPTER 11. LIMITATION OF LIABILITY, INDEMNIFICATION, AND WARRANTIES

11(a) Exclusion of Certain Damages

THE RELEASED PARTIES’ LIABILITY IS BOUNDED BY WHAT IS DIRECT AND VERIFIABLE. EXCLUDED FROM RECOVERY ARE ALL FORMS OF HARM THAT WOULD NOT HAVE OCCURRED ABSENT INTERVENING MARKET FORCES, THE ACTS OR OMISSIONS OF UNAFFILIATED THIRD PARTIES, OR GENERAL ECONOMIC CONDITIONS — A CATEGORY THAT INCLUDES, WITHOUT EXHAUSTING: PROFIT PROJECTIONS THAT WERE NOT REALISED, REVENUE THAT WAS EXPECTED BUT NOT RECEIVED, DIGITAL DATA THAT WAS LOST OR RENDERED INACCESSIBLE, REPUTATIONAL OR GOODWILL DIMINISHMENT, TRANSACTIONS THAT WERE MISSED OR DELAYED, AND PORTFOLIO LOSSES ATTRIBUTABLE TO MARKET MOVEMENT. THIS LIMITATION APPLIES IRRESPECTIVE OF THE LEGAL THEORY PLEADED AND IS NOT VITIATED BY PRIOR NOTICE TO A RELEASED PARTY THAT SUCH HARM WAS A POSSIBILITY.

11(b) Aggregate Monetary Cap

THE CEILING ON THE COMBINED LIABILITY OF ALL RELEASED PARTIES FOR EVERY CLAIM OF WHATEVER NATURE ARISING FROM OR RELATED TO THESE TERMS OR THE PLATFORM IS THE GREATER OF: (I) ONE HUNDRED UNITED STATES DOLLARS (US $100.00); OR (II) THE AGGREGATE AMOUNTS ACTUALLY PAID BY YOU TO BUZZBURST MEDIA LLC, IF ANY, DURING THE TWELVE (12) CALENDAR MONTHS THAT PRECEDED THE ACT OR OMISSION OUT OF WHICH YOUR CLAIM AROSE. THIS CEILING REPRESENTS A UNIFIED AGGREGATE EXPOSURE CAP ACROSS ALL CLAIMS YOU MAY ASSERT, REGARDLESS OF HOW MANY CLAIMS ARE INVOLVED OR HOW MANY SEPARATE EVENTS, TRANSACTIONS, OR COMMUNICATIONS ARE AT ISSUE — IT IS NOT RECALCULATED CLAIM BY CLAIM. WHERE APPLICABLE CONSUMER PROTECTION LAWS IN YOUR JURISDICTION ESTABLISH A MINIMUM LIABILITY THRESHOLD THAT PARTIES CANNOT REDUCE BY AGREEMENT, THE RELEASED PARTIES’ LIABILITY SHALL NOT FALL SHORT OF THAT MANDATORY MINIMUM.

11(c) Specific Carve-Outs from Liability

Without limiting Sections 11(a) and 11(b), the Released Parties disclaim all liability for loss or damage arising from or attributable to:

(xiv) investment decisions, financial transactions, or trading activity you undertake — whether or not any Material informed that activity;
(xv) your reliance on, or use of, any Material as a basis for action;
(xvi) transactions you complete with, or commitments you make to, any third-party advertiser, affiliate partner, or commercial sponsor;
(xvii) unauthorized access to, disclosure of, or interference with your personal data or account;
(xviii) inaccuracies, factual errors, omissions, outdated assertions, or AI-generated errors in any Material;
(xix) any other deficiency, gap, or defect in any Material regardless of its source; and
(xv) products, services, or digital destinations accessible through links published within the Platform.

11(d) Jurisdictional Carve-Out

Certain jurisdictions restrict or prohibit the exclusion or limitation of specific categories of liability. In such jurisdictions, the liability of the Released Parties shall be limited to the maximum extent the applicable law permits, and nothing in this Chapter 11 shall exclude or limit any liability that cannot lawfully be excluded or limited.

11(e) Indemnification

You agree to indemnify, defend with counsel of BuzzBurst Media LLC’s choosing, and hold each of the Released Parties free from liability for all claims, demands, suits, proceedings, losses, liabilities, damages, costs, and expenses — including reasonable attorneys’ fees and court charges — arising from or related to:

(a) your use of or access to the Platform;
(b) investment, financial, or trading decisions you make in connection with or informed by the Materials;
(c) your breach of these Terms, the Privacy Policy (including the data-handling obligations described therein), or any applicable law, regulation, or third-party right;
(d) your dealings with any third-party advertiser, affiliate, or sponsor;
(e) content or information you submit or transmit to BuzzBurst Media LLC;
(f) your infringement or misappropriation of any intellectual-property right of a third party; and
(g) any dispute between you and a third party relating to the Platform.

This indemnification obligation survives any termination of these Terms.

11(f) Warranty Disclaimer

THE PLATFORM AND ALL MATERIALS ARE MADE AVAILABLE WITHOUT CERTIFICATION, ASSURANCE, OR GUARANTEE OF ANY KIND — STRICTLY ON AN “AS-IS,” “AS-AVAILABLE,” AND “WITH ALL FAULTS” BASIS. TO THE FULLEST EXTENT THE LAW ALLOWS, THE RELEASED PARTIES EXPRESSLY DISCLAIM: ALL IMPLIED WARRANTIES, INCLUDING THE WARRANTY OF MERCHANTABILITY, THE WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE, ANY WARRANTY OF TITLE, AND ANY WARRANTY AGAINST INFRINGEMENT; ALL WARRANTIES THAT MIGHT OTHERWISE ARISE FROM PRIOR DEALINGS, COURSE OF CONDUCT, OR TRADE USAGE; ANY REPRESENTATION THAT THE PLATFORM WILL OPERATE WITHOUT INTERRUPTION, REMAIN FREE OF ERRORS, OR MAINTAIN CONTINUOUS SECURITY; ANY ASSURANCE REGARDING THE TRUTHFULNESS, CURRENCY, COMPLETENESS, OR DEPENDABILITY OF ANY MATERIAL, INCLUDING MATERIALS CONTAINING AI-ASSISTED CONTENT; AND ANY WARRANTY THAT USING THE PLATFORM WILL PRODUCE RESULTS THAT MEET A PARTICULAR STANDARD OR EXPECTATION.

CHAPTER 12. INTELLECTUAL PROPERTY

12(a) Ownership

All written content, visual materials, logos, trademarks, service marks, trade names, trade dress, domain names, software, and other intellectual-property assets within the Platform are owned by BuzzBurst Media LLC or its licensors and are protected under applicable United States and international intellectual-property laws.

12(b) Limited License

Subject to full compliance with these Terms, BuzzBurst Media LLC grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable permission to access and use the Platform for your own personal, non-commercial, informational purposes only.

12(c) Prohibited Uses and Anti-Scraping

Except as applicable law independently permits, you may not reproduce, distribute, adapt, create derivative works from, publicly display, republish, download, archive, transmit, or commercially exploit any Material without BuzzBurst Media LLC’s prior written authorization. Unauthorized use may give rise to civil liability and criminal prosecution under applicable intellectual-property statutes. You additionally agree not to employ any automated mechanism — including bots, web crawlers, scrapers, spiders, data-harvesting software, or AI training data collectors — to access, monitor, copy, index, or extract any element of the Platform without advance written authorization from BuzzBurst Media LLC.

CHAPTER 13. DISPUTE RESOLUTION

13(a) Governing Law

These Terms and all disputes arising from or relating to them or the Platform shall be governed by the internal substantive law of the State of Florida, United States; its conflict-of-laws rules do not apply. The parties acknowledge that these Terms evidence a transaction involving interstate commerce, and that the Federal Arbitration Act (9 U.S.C. §§ 1–16) therefore governs the interpretation, validity, and enforcement of the arbitration agreement in Section 13(c).

13(b) Mandatory Pre-Dispute Notice and Informal Resolution

As a mandatory condition precedent to initiating any formal proceeding, the party with a grievance must first deliver to the other a written Notice of Dispute identifying the claimant and providing current contact information, describing the nature and factual basis of the claim in sufficient detail to allow the other party to investigate, specifying the legal basis for the claim, and stating the specific relief sought including any monetary amount.

Notices from users must be sent to hello@buzzburst.net and additionally may be mailed to BuzzBurst Media LLC, 1395 Brickell Ave, Miami, Florida 33131, United States (Attention: Legal). After a Notice of Dispute is delivered, both parties must spend at least thirty (30) calendar days engaging in genuine, good-faith efforts to reach an informal resolution. No demand for arbitration may be filed before this thirty-day period expires.

13(c) Binding Individual Arbitration

EVERY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM — INCLUDING ANY QUESTION AS TO WHETHER A DISPUTE IS SUBJECT TO ARBITRATION — THAT CANNOT BE RESOLVED THROUGH THE INFORMAL PROCESS IN SECTION 13(B) SHALL BE RESOLVED BY BINDING INDIVIDUAL ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (“AAA”) UNDER ITS CONSUMER ARBITRATION RULES THEN IN EFFECT. IF THE AAA IS UNABLE OR UNWILLING TO SERVE, THE PARTIES SHALL AGREE ON AN ALTERNATIVE ADMINISTRATOR, OR A COURT OF COMPETENT JURISDICTION SHALL APPOINT ONE. THE SEAT OF ARBITRATION SHALL BE MIAMI, FLORIDA, UNITED STATES, UNLESS THE PARTIES AGREE OTHERWISE OR THE APPLICABLE RULES AUTHORIZE FULLY REMOTE PROCEEDINGS. THE AWARD SHALL BE FINAL AND BINDING AND MAY BE ENTERED AS A JUDGMENT IN ANY COURT OF COMPETENT JURISDICTION.

13(d) Mass Arbitration Protocol

If twenty-five (25) or more claims that are substantially similar in nature are filed against BuzzBurst Media LLC or the Released Parties by the same counsel or by claimants who have coordinated their filings (a “Mass Filing”), those claims will be administered through a structured first-wave selection process rather than advancing all claims simultaneously: an initial set of up to ten (10) claims designated by the claimant side and up to ten (10) claims designated by BuzzBurst Media LLC will be selected, advanced to hearing, and resolved before any other claim in the Mass Filing proceeds; all other claims will be held in abeyance until the first wave concludes. The resolutions produced in the first wave may be referenced by the parties as a basis for resolving or settling the remaining claims. Filing fees and administrative charges attributable to a Mass Filing will be allocated consistently with this process to the extent the applicable rules and governing law allow. This Mass
Arbitration Protocol is an integral and non-severable element of the parties’ agreement to arbitrate.

13(e) Class-Action and Representative-Action Waiver

YOU AND BUZZBURST MEDIA LLC AGREE THAT ALL DISPUTES SHALL BE RESOLVED EXCLUSIVELY ON AN INDIVIDUAL BASIS. NEITHER PARTY MAY INITIATE, JOIN, OR PARTICIPATE IN A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU IRREVOCABLY WAIVE ANY RIGHT TO CLASS ARBITRATION OR CLASS LITIGATION. IF A COURT OR ARBITRATOR DETERMINES THAT THIS WAIVER IS VOID, UNENFORCEABLE, OR OTHERWISE INAPPLICABLE, OR THAT ARBITRATION MAY PROCEED ON A CLASS BASIS, THE ENTIRE ARBITRATION PROVISION IN SECTION 13(C) SHALL BE NULL AND VOID, AND THE PARTIES SHALL BE DEEMED NOT TO HAVE AGREED TO ARBITRATE.

13(f) Jury-Trial Waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BOTH PARTIES IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY IN ANY PROCEEDING ARISING FROM OR RELATING TO THESE TERMS OR THE PLATFORM.

13(g) Fallback Forum

Should arbitration prove inapplicable or unenforceable in any respect, both parties irrevocably accept the jurisdiction of the federal and state courts whose territorial seat is Miami-Dade County, Florida, United States, as the exclusive forum for any proceeding, and permanently forfeits any right to contest the competence or appropriateness of those courts on any ground, including forum non conveniens and improper venue.

13(h) Limitation Period

TO THE FULLEST EXTENT PERMITTED BY LAW, ANY CLAIM OR CAUSE OF ACTION ARISING FROM OR RELATING TO THESE TERMS OR THE PLATFORM MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER IT ACCRUES; OTHERWISE IT IS PERMANENTLY BARRED, REGARDLESS OF ANY STATUTE OF LIMITATIONS THAT MIGHT OTHERWISE APPLY.

CHAPTER 14. MISCELLANEOUS PROVISIONS

14(a) No Obligation to Update Materials

BuzzBurst Media LLC owes no duty to revise, supplement, correct, or withdraw any Material after initial publication, regardless of new information, changed circumstances, or errors discovered after the fact. Materials are current only as of their original date unless BuzzBurst Media LLC expressly states otherwise. Do not assume any Material has been reviewed or updated since it first appeared.

14(b) No Market-Monitoring Obligation

BuzzBurst Media LLC has no responsibility to follow market conditions, issuer developments, or regulatory changes and disclaims every duty to provide real-time updates or corrections beyond what applicable law independently requires.

14(c) Anti-Money Laundering

BuzzBurst Media LLC does not verify, and assumes no duty to verify, the source, origin, or lawfulness of any funds a user applies to investment decisions or transactions informed by the Materials. BuzzBurst Media LLC is a financial media company. It is not a depository institution, broker-dealer, or money-services business, and it does not fall within the class of “financial institution” regulated under 31 U.S.C. § 5311 et seq. BuzzBurst Media LLC has no statutory obligation to establish or maintain a Bank Secrecy Act AML programme. You alone are accountable for ensuring that your own financial activities comply with all applicable anti-money-laundering, know-your-customer, and counter-terrorism-financing requirements.

14(d) Third-Party Links and Resources

The Platform may link to websites, platforms, or services operated by third parties. BuzzBurst Media LLC does not control those resources and accepts no responsibility for their content, privacy practices, terms of use, accuracy, or availability. Interaction with any third-party resource is entirely at your risk and governed by that party’s own terms.

14(e) Force Majeure

BuzzBurst Media LLC shall not be liable for any failure or delay in performance caused by events beyond its reasonable control, including acts of God or nature, public-health emergencies, armed conflicts, terrorist acts, civil disturbances, governmental orders or actions, new or amended regulations, infrastructure outages, internet disruptions, and cybersecurity incidents.

14(f) Equitable Relief

You acknowledge that conduct in violation of these Terms — particularly conduct affecting BuzzBurst Media LLC’s intellectual property, brand assets, or data security — may cause BuzzBurst Media LLC injury that no amount of monetary compensation can fully repair. BuzzBurst Media LLC is authorized to seek non-monetary judicial remedies — including temporary restraining orders, preliminary injunctions, and permanent injunctions — from any court of competent jurisdiction, at any stage, without having to post bond, quantify the loss in advance, or demonstrate that all other remedies have been pursued or exhausted.

14(g) Notice to Cure

Except where immediate action is reasonably necessary to protect the security or integrity of the Platform, prevent or address fraud or abuse, protect the rights or property of third parties, or comply with applicable law, BuzzBurst Media LLC may, in its discretion, give you written notice of a suspected material breach of these Terms and a reasonable opportunity to cure before taking enforcement action. Providing such notice on one occasion does not obligate BuzzBurst Media LLC to provide notice before acting on any future occasion, and shall not limit BuzzBurst Media LLC’s right to act immediately where the circumstances so require.

14(h) Assignment

The rights and obligations arising under these Terms are specific to you as an individual user of the Platform and may not be conveyed, delegated, or otherwise transferred to any other person or entity without BuzzBurst Media LLC’s advance written approval, which BuzzBurst Media LLC may withhold in its sole and unreviewable discretion. BuzzBurst Media LLC may assign these Terms freely and without notice, including in connection with a merger, acquisition, reorganization, or asset sale. Any purported assignment by you in violation of this section is void.

14(i) No Third-Party Beneficiaries

These Terms exist solely for the benefit of BuzzBurst Media LLC and you. No outside party — including any advertiser, affiliate, sponsor, content contributor, or other person — acquires any enforceable right, remedy, or benefit under these Terms, and no such party has standing to enforce any provision.

14(j) Survival

The following provisions survive any termination of these Terms or cessation of your use of the Platform: Chapters 2, 4, 5, 6, 7, 8, 10, 11, 12, and 13 in their entirety, and Sections 14(a) through 14(c), 14(h), and 14(i), together with any other provision that by its nature is intended to endure.

14(k) Amendments

BuzzBurst Media LLC may modify these Terms at any time, at its sole discretion, without prior notice, unless applicable law requires otherwise. Changes take effect upon publication with an updated “Effective Date.” Your continued use of the Platform after any modification constitutes your acceptance of the revised Terms. Where applicable law requires affirmative notice of material changes, BuzzBurst Media LLC will provide such notice in the manner required by law.

14(l) Severability

If any provision of these Terms is held invalid, illegal, or unenforceable, it shall be modified to the minimum degree needed to render it enforceable while preserving its original intent and economic effect as fully as possible. If modification is not feasible, the provision shall be severed, and the remaining provisions shall continue in full force and effect.

14(m) Non-Waiver

BuzzBurst Media LLC’s failure or delay in exercising any right or remedy does not constitute a waiver of that right or remedy. A waiver is effective only when set out in writing and countersigned by an authorized officer of BuzzBurst Media LLC, and shall not extend to any future occasion or similar circumstance.

14(n) Entire Agreement

These Terms, read together with the Privacy Policy and any other instrument expressly incorporated by reference, represent the complete and exclusive agreement between you and BuzzBurst Media LLC with respect to the Platform and supersede all prior or contemporaneous negotiations, representations, proposals, and understandings, whether oral or written. In case of conflict between these Terms and any incorporated document, these Terms control unless expressly stated otherwise.

14(o) Contact Information

Questions, concerns, or requests regarding these Terms should be directed to:

BuzzBurst Media LLC
1395 Brickell Ave
Miami, Florida, 33131, United States
Email:hello@buzzburst.net

CHAPTER 15. SELF-DIRECTED INVESTOR NOTICE

15(a) Nature of Our Readership

BuzzBurst Media LLC produces financial media for a general audience of self-directed investors, financially interested individuals, and financial professionals who use the Materials as a source of market information and commentary. The name “BuzzBurst Media LLC” reflects our editorial focus on financial markets, investment strategy, and market-commentary content — it does not signify that BuzzBurst Media LLC manages assets, provides discretionary investment advice, or stands in any fiduciary capacity relative to any Platform user.

15(b) Self-Directed Investor Profile and Assumed Competency

By using the Platform you represent that you are accessing the Materials as a self-directed investor with the capacity to independently evaluate financial information, assess investment risk, and make investment decisions without relying on guidance from BuzzBurst Media LLC. You represent that you have, or will obtain through consultation with qualified professionals, the financial literacy, risk assessment capability, and legal advice necessary to act on any information you encounter through the Platform. BuzzBurst Media LLC does not evaluate the sophistication, financial knowledge, or suitability profile of any individual Platform user.

15(c) Accredited Investor and Institutional User Notice

Certain securities, investment strategies, or digital asset structures discussed in the Materials may be legally available only to “accredited investors” as defined in Rule 501 of Regulation D under the Securities Act of 1933, or to “qualified institutional buyers” as defined in Rule 144A under the same Act, or to equivalent categories under applicable foreign securities law. BuzzBurst Media LLC does not verify or assess whether any Platform user meets the applicable accredited-investor or qualified-purchaser threshold. Discussion of an investment structure in the Materials does not imply that the structure is legally available to, or appropriate for, any specific Platform user. Platform users are solely responsible for determining their own eligibility to access investment products described in the Materials.

15(d) Absence of Fiduciary Relationship

No fiduciary duty, duty of loyalty, duty of care, or duty of best execution arises between BuzzBurst Media LLC and any Platform user by virtue of a user’s subscription to, receipt of, or reliance on the Materials. BuzzBurst Media LLC is not a registered investment adviser, broker-dealer, commodity pool operator, commodity trading adviser, or any other category of financial fiduciary. The Materials are not personalised investment advice, and no Platform user should interpret the Materials as a representation that BuzzBurst Media LLC is acting in the user’s financial interest.

15(e) Estate Planning and Wealth-Building Topics

Materials that address estate planning, trust structures, charitable giving vehicles, intergenerational wealth transfer, financial independence, or related topics are provided for general educational orientation only. These are among the most jurisdiction-specific and fact-dependent areas of financial planning; the legal, tax, and regulatory treatment of a particular strategy may vary significantly based on your state of domicile, citizenship, family structure, and applicable federal and state tax law. No Material discussing these topics constitutes legal advice or financial advice, and no Material should be acted upon without first consulting qualified legal, tax, and financial advisers licensed in your jurisdiction.