Terms of Service

1. Introduction

These Terms of Service (“Terms”) govern your access to and use of the Seven Fat Cows investment subscription newsletter (“Service”) at sevenfatcows.substack.com (“newsletter”). By subscribing to and using the Service, you agree to be bound by these Terms and all applicable laws. If you do not agree with any provision herein, you must not subscribe to, access, or use the Service.

2. Eligibility

You represent and warrant that you are at least eighteen (18) years of age or have reached the age of majority in your jurisdiction, whichever is higher, and that you have the legal capacity to enter into binding agreements.

3. Subscription and Access

Your subscription grants you personal, non-transferable, and non-exclusive access to the Service for the term specified at the time of purchase. Subscription fees are non-refundable unless otherwise expressly stated.

4. Intellectual Property Rights

All content published in the Service, including articles, data, analysis, commentary, visualizations, and research, is owned by the creator or owner(s) of the newsletter or its licensors. The Service and its content are protected by copyright, trademark, and other intellectual property laws.

5. Grant of License

Subscribers are granted only a limited, revocable license to view and download Service content strictly for personal, non-commercial use. Any copying, redistribution, sharing, or derivative work based on the Service, without written permission, is prohibited.

6. Prohibited Commercial Use

Subscribers are strictly prohibited from using the content of the Service for any commercial purpose, including but not limited to resale, redistribution, data aggregation, or incorporation into third-party investment products, platforms, or advice services.

7. Enforcement of Commercial Rights

Any unauthorized commercial use of the Service will be deemed a material breach of these Terms. The owner(s) of the Seven Fat Cows newsletter reserves the full legal right to pursue damages, including but not limited to disgorgement of all profits, claims for unjust enrichment, and compensation equivalent to all commercial benefit derived from such unauthorized use.

8. Right to Legal Action

By subscribing, you acknowledge and agree that the owner(s) of the newsletter maintains the right to initiate legal proceedings, both civil and criminal, for any violation of these Terms. This includes but is not limited to claims for copyright infringement, breach of contract, and claims to recover all benefits derived from unauthorized use.

9. Account Security

Subscribers are responsible for safeguarding their subscription credentials. Sharing login details with others, including colleagues or third parties, is strictly prohibited. The owner(s) of the Seven Fat Cows newsletter reserves the right to terminate access if misuse is suspected.

10. Service Disclaimer

The Service provides opinion, commentary, and investment-related educational material for informational purposes only. It does not constitute personalized investment, legal, tax, or financial advice. It is up to you to read them and your own decision on how you want to use the content. You should consult your own financial advisor before making any investment decisions. Investing involves risk and you will lose money. Everyone has different risk tolerance and investment styles.

11. No Guarantee of Results

Past performance of investment commentary, models, or strategies published in the Service is not indicative of future results. You acknowledge that investments inherently involve risk, including the potential loss of principal.

12. Indemnification

You agree to indemnify, defend, and hold harmless the owner(s) of the Seven Fat Cows newsletter, its officers, employees, contractors, and affiliates from and against all claims, liabilities, damages, costs, expenses, and losses arising out of or related to your breach of these Terms, misuse of the Service, or violation of applicable laws.

13. Limitation of Liability

To the maximum extent permitted by law, the owner(s) of the newsletter shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages, including lost profits, even if advised of the possibility of such damages. Liability, if any, shall not exceed the amount paid by you for your subscription in the ninety (90) months preceding the claim.

14. Force Majeure

The owner(s) of the newsletter shall not be responsible for delays, interruptions, or failures in the performance of the Service resulting from events beyond its reasonable control, including natural disasters, system failures, regulatory changes, or acts of third parties.

15. Subscription Termination

The owner(s) of the newsletter reserves the right to suspend or terminate your subscription immediately and without notice if you violate these Terms. No refunds shall be issued for terminated subscriptions caused by your breach.

16. Modifications to Service

The Service may be modified, suspended, or discontinued at any time, in whole or in part, without liability. Subscribers will be notified of material changes where feasible.

17. Modifications to Terms

These Terms may be updated periodically. Continued use of the Service after publication of updates constitutes acceptance of the modified Terms. It is your responsibility to review the Terms regularly.

18. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Singapore, without regard to its conflict of law provisions.

19. Dispute Resolution

Any disputes arising under or relating to these Terms shall first attempt to be resolved through negotiation. If unresolved, disputes shall be subject to the exclusive jurisdiction of the courts of the United Kingdom.

20. Entire Agreement

These Terms constitute the entire agreement between you and the owner(s) of the Seven Fat Cows newsletter with respect to the Service, and supersede all prior communications, agreements, or understandings.

21. Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, the remaining provisions shall remain in full force and effect.

22. Waiver

The failure of the owner(s) of the newsletter to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

23. Notices

Notices to subscribers may be provided electronically, including via email or through the Service platform. You consent to receiving such communications electronically.

24. Assignment

You may not assign, transfer, or sublicense any of your rights under these Terms. The owner(s) of the newsletter may assign its rights without restriction.

25. Contact Information

If you have questions about these Terms, please contact the owner(s) of the newsletter at sevenfatcows.email@gmail.com.