Terms of Service

These Terms of Service govern your use of the website located at https://www.takefiveeconomics.com and any related services provided by Take Five Economics.

By accessing https://www.takefiveeconomics.com, you agree to abide by these Terms of Service and to comply with all applicable laws and regulations. If you do not agree with these Terms of Service, you are prohibited from using or accessing this website or using any other services provided by Take Five Economics.

We, Take Five Economics, reserve the right to review and amend any of these Terms of Service at our sole discretion. Upon doing so, we will update this page. Any changes to these Terms of Service will take effect immediately from the date of publication.

These Terms of Service were last updated on 4 November 2023.

Description of Service

Take Five Economics offers subscribers a comprehensive newsletter focused on economic and financial market analysis. The service includes the delivery of curated insights, data interpretation, and market forecasts intended for personal use. Content is distributed electronically and is subject to the terms and conditions outlined herein.

Limitations of Use

By using this website, you warrant on behalf of yourself, your users, and other parties you represent that you will not:

  • modify, copy, prepare derivative works of, decompile, or reverse engineer any materials and software contained on this website;
  • remove any copyright or other proprietary notations from any materials and software on this website;
  • transfer the materials to another person or "mirror" the materials on any other server;
  • knowingly or negligently use this website or any of its associated services in a way that abuses or disrupts our networks or any other service Take Five Economics provides;
  • use this website or its associated services to transmit or publish any harassing, indecent, obscene, fraudulent, or unlawful material;
  • use this website or its associated services in violation of any applicable laws or regulations;
  • use this website in conjunction with sending unauthorized advertising or spam;
  • harvest, collect, or gather user data without the user’s consent; or
  • use this website or its associated services in such a way that may infringe the privacy, intellectual property rights, or other rights of third parties.

By subscribing to Take Five Economics, you agree to use the services provided for your personal and non-commercial use only. The distribution, modification, transmission, reuse, or use of the content available through your subscription for public or commercial purposes, without written permission from Take Five Economics, is strictly prohibited.

Intellectual Property

All materials contained within the Take Five Economics website, including but not limited to text, graphics, logos, images, and any software used on the site, as well as content provided through the Take Five Economics newsletter and the compilation of these materials, are the exclusive property of Take Five Economics or its content suppliers. These materials are protected by applicable copyright, trademark, and international copyright laws.

Take Five Economics hereby grants you, the user, a non-exclusive, non-transferable, personal license to download one copy of the aforementioned materials for non-commercial, transitory viewing only. Please note that this is the grant of a license, not a transfer of title. This license shall automatically terminate if you violate any of these restrictions and may be terminated by Take Five Economics at any time.

Registration and Payments

To use certain features on our website you need to create an account. Any information provided needs to be accurate and updated if necessary. Customers are liable for maintaining their accounts and are fully responsible for all activities occurring under their accounts. Should anybody gain unauthorized access to your account, you need to notify us immediately. Take Five Economics is not liable for any loss or damage arising from failure to maintain the confidentiality of your account.

When subscribing to our service you are required to provide your financial information relevant to the chosen payment method, in some cases, you may be requested to provide your credit card details. Please note that any payments made on our platform will be processed by Stripe. As such, we will not be responsible for processing or retaining any of your financial information. Stripe will handle all of your financial information per their respective Terms of Service, and you agree to comply with such Terms of Service.

Subscribers may cancel their subscription at any time. However, please note that no refunds are available for the remaining unused portion of the subscription term once payment has been processed.

Account Sharing and Transferability

Subscriptions to Take Five Economics are intended for individual use only and are not to be shared with non-subscribers. Account credentials may not be shared or transferred to another person. Each subscription is personal to the subscriber and is non-transferable. Any unauthorized sharing of subscription benefits may lead to termination of the subscription.

Liability

Our website and the materials on our website are provided on an 'as is' basis. To the extent permitted by law, Take Five Economics makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property, or other violation of rights.

In no event shall Take Five Economics or its suppliers be liable for any consequential loss suffered or incurred by you or any third party arising from the use or inability to use this website or the materials on this website, even if Take Five Economics or an authorized representative has been notified, orally or in writing, of the possibility of such damage.

In the context of this agreement, "consequential loss" includes any consequential loss, indirect loss, real or anticipated loss of profit, loss of benefit, loss of revenue, loss of business, loss of goodwill, loss of opportunity, loss of savings, loss of reputation, loss of use and/or loss or corruption of data, whether under statute, contract, equity, tort (including negligence), indemnity or otherwise.

Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

The content provided by Take Five Economics, including all financial and market analyses, is for informational and educational purposes only. It is not intended as and should not be construed as financial advice. Subscribers are responsible for their own investment decisions. Take Five Economics shall not be liable for any decisions, damages, or other losses resulting from reliance on the information provided.

Educational and Information Use

The content provided by Take Five Economics serves both educational and informational purposes. Our goal is to enhance subscribers' understanding of economic and financial markets while providing current market analyses. We strive to present information in a way that educates our subscribers, enabling them to make more informed decisions.

Social Media Sharing Policy

Take Five Economics values community engagement and allows subscribers to share small, non-substantial sections or highlights from our newsletter on social media platforms with appropriate attribution to Take Five Economics. However, to maintain the exclusive benefit of our service, the sharing of complete articles, reports, or significant portions that negate the necessity of subscription is strictly prohibited. Any such actions are subject to review and may lead to the suspension or termination of the subscription. This policy ensures that the sharing of our content fosters discussion without compromising the proprietary nature of our service.

Accuracy of Materials

The information and materials provided on the Take Five Economics website and through our newsletter are intended for general informational purposes only. While we aim to provide up-to-date and accurate economic insights, Take Five Economics does not guarantee the completeness, accuracy, or timeliness of the materials presented. Users should not act upon this information without seeking professional counsel and are encouraged to consult additional resources to support their decision-making.

The economic analyses, opinions, and other information provided by Take Five Economics are subject to change without notice, and we disclaim any obligation to update the information therein. Users are cautioned that the materials may not reflect the most current economic research or data.

Take Five Economics shall not be liable for any inaccuracies, errors, or omissions in the content provided, nor for any actions taken in reliance thereon. Users are responsible for critically evaluating the merit and relevance of the materials found on our site and in our communications.

Moreover, any historical data or information provided is for reference only and should not be construed as indicative of future results. We assume no duty to update any content following publication. It is the user’s duty to stay informed of any changes to our materials and to utilize them in a way that best serves their personal or professional objectives.

Additional Tools

Please note that our website may include third-party tools which are outside of our control. The access to said tools is provided on an 'as is' basis with no warranties, expressed or implied, and without any endorsement. We are not liable for the use of the third-party tools provided on our website. You are solely responsible for any risks associated with using said tools, we recommend reading the relevant third-party provider’s Terms of Service. Take Five Economics has the right to offer new third-party tools in the future.

Links

Take Five Economics has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement, approval or control by Take Five Economics of the site. Use of any such linked site is at your own risk and we strongly advise you make your own investigations with respect to the suitability of those sites.

Inaccuracies and Mistakes

Please note that any content available on our website may contain typographical errors, inaccuracies, or mistakes related to the service’s description, pricing, promotion, and availability. We have the right to cancel or update any existing services should any information provided by us be proven inaccurate. Said information can be amended at any time without prior notice. Please note that we are not obligated to clarify any of the information related to our website and service, including pricing information, except as required by law.

Downtime and Access

Take Five Economics aims to ensure consistent access to our services. However, subscribers acknowledge that occasional downtime may occur due to maintenance or unforeseen circumstances. We will make reasonable efforts to notify subscribers of any significant downtime and to restore access as quickly as possible.

Right to Terminate

We may suspend or terminate your right to use our website and terminate these Terms of Service immediately upon written notice to you for any breach of these Terms of Service.

Severance

Any term of these Terms of Service which is wholly or partially void or unenforceable is severed to the extent that it is void or unenforceable. The validity of the remainder of these Terms of Service is not affected.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Massachusetts. You irrevocably submit to the exclusive jurisdiction of the courts in that State or location.