We run this site and would love for you to use it. These Terms of Service (“Terms”) describe our commitments to you, and your rights and responsibilities when using our services. The Junto Investments website is meant to educate and entertain. For investment-related services please read our Disclaimer carefully in conjunction with these Terms. Junto Investments is not responsible for anything and if the company is found to be responsible for anything, the maximum payout, including legal fees, cannot exceed any monies that you’ve paid to Junto Investments over the previous 12 months.

About the Terms

The following terms and conditions govern all use of the junto.investments website and all content, services, and products available at or through the website, including, but not limited to, associated blogs, forums, and websites (taken together, “the Website”).

The Website is owned and operated by Junto Investments (“Junto”) through Oliver Sung. The Website is offered subject to your acceptance without modification of all of the terms and conditions contained herein and all other operating rules, policies (including, without limitation, Junto’s Privacy Policy) and procedures that may be published from time to time on this Site by Junto (collectively, the “Agreement”).

Please read this Agreement carefully before accessing or using the Website. By accessing or using any part of the Website, you agree to become bound by the terms and conditions of this agreement. If you do not agree to all the terms and conditions of this agreement, then you may not access the Website or use any services. If these terms and conditions are considered an offer by Junto, acceptance is expressly limited to these terms. The Website is available only to individuals who are at least 13 years old.

1. Your Account

Where use of our Website requires an account, you agree to provide us with complete and accurate information when you register for an account. This is important because sometimes we may need to send you notable updates (for example, about changes to our Terms of Service or Privacy Policy), or we may want to let you know about and make informed choices in response to legal inquiries or complaints.

You will be solely responsible and liable for any activity that occurs under your account. You are responsible for keeping your account information up-to-date and for keeping your password secure.

You are responsible for maintaining the security of your account and any Service-related website, store, or other content, and you are fully responsible for all activities that occur under your account and any other actions taken in connection with our Services. You shall not share or misuse your access credentials. You must immediately notify us of any unauthorized uses of your account, store, or website, or of any other breach of security. We will not be liable for any acts or omissions by you, including any damages of any kind incurred as a result of such acts or omissions.

2. Responsibility of Visitors and Users

We have not reviewed, and cannot review, all of the content (such as, but not limited to, text, photo, video, audio, code, computer software, items for sale, or other materials) posted to our Services by users or anyone else (“Content”) and are not responsible for any use or effects of such Content. We do not endorse any Content or represent that Content is accurate, useful, or non-harmful. Content could be offensive, indecent, or objectionable; include technical inaccuracies, typographical mistakes, or other errors; or violate or infringe the privacy, publicity rights, intellectual property rights, or other proprietary rights of third parties. If you post content, comment on the Website, or otherwise make (or allow any third party to make) Content available on our Services, you are entirely responsible for the Content, and any harm resulting from, that Content or your conduct. We disclaim any responsibility for any harm resulting from anyone’s use, purchase, or downloading of Content. If you access or use any Content, you are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content.

3. Payment and Renewal for Paid Services

Payment. If your payment fails or if Paid Services are otherwise not paid for or paid for on time, we may immediately cancel or revoke your access to the Paid Services. If you contact your bank or credit card company to decline or reverse the charge of fees for Paid Services, we may revoke your access to our Services in general.

Automatic Renewal of Membership. To ensure uninterrupted service of your membership, recurring payments are automatically renewed on services operating on an ongoing basis. This means that unless you cancel your membership before the end of the applicable subscription period, it will automatically renew, and you authorize us to invoice you or use any payment mechanism we have on record for you to collect the then-applicable subscription fee (as well as any Taxes). By default, your membership will be renewed for the same interval of time as your original subscription period (12 months). It is your responsibility to make sure you are checking your email (including any spam or other filters) in order to receive any reminder email we send to you in advance of renewal. The date for the automatic renewal is determined automatically based on the date of the original purchase and cannot be changed.

Refunds. While you may cancel your membership at any time, refunds are issued at our sole discretion, unless otherwise required by applicable law. In general, the Junto membership is non-refundable.

4. General Representation and Warranty

The Website is provided “as is”. Junto and its suppliers and licensors hereby disclaim all warranties of any kind, express or implied, including, without limitation, the warranties of merchantability, fitness for a particular purpose, and non-infringement. Neither Junto nor its suppliers and licensors make any warranty that the Website will be error-free or that access thereto will be continuous or uninterrupted. If you’re actually reading this, here’s a treat. You understand that you download from, or otherwise obtain content or services through, the Website at your own discretion and risk.

5. Copyright Infringement and DMCA Policy

As we ask others to respect our intellectual property rights, we respect the intellectual property rights of others. If you believe that material located on or associated Junto violates your copyright, please notify us at [email protected]. We will respond to all such notices, including as required or appropriate by removing the infringing material or disabling all links to the infringing material. We will terminate a visitor’s access to and use of the Website if, under appropriate circumstances, the visitor is determined to be a repeat infringer of the copyrights or other intellectual property rights of Junto or others. In the case of such termination, we will have no obligation to provide a refund of any amounts previously paid to us.

6. Intellectual Property

The Agreement does not transfer from Junto to you any Junto or third party intellectual property, and all right, title, and interest in and to such property will remain (as between the parties) solely with Junto. Junto Investments, Junto, junto.investments, the Junto logo, and all other trademarks, service marks, graphics, and logos used in connection with Junto or our Services, are trademarks or registered trademarks of Junto or Junto’s licensors. Other trademarks, service marks, graphics, and logos used in connection with our Services may be the trademarks of other third parties. Your use of our Services grants you no right or license to reproduce or otherwise use any Junto or third-party trademarks.

7. Termination

Junto may terminate your access to all or any part of the Website at any time, with or without cause, with or without notice, effective immediately. If you wish to terminate this Agreement, you may simply discontinue using the Website. All provisions of this Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

8. Limitation of Liability

In no event will Junto or its suppliers or licensors, be liable with respect to any subject matter of this agreement under any contract, negligence, strict liability or other legal or equitable theory for: (i) any special, incidental or consequential damages; (ii) the cost of procurement or substitute products or services; (iii) for interruption of use or loss or corruption of data; or (iv) for any amounts that exceed the fees paid by you to Junto under this agreement during the twelve (12) month period prior to the cause of action. Junto shall have no liability for any failure or delay due to matters beyond their reasonable control. The foregoing shall not apply to the extent prohibited by applicable law.

9. Indemnification

You agree to indemnify and hold harmless Junto., its contractors, and its licensors, and their respective directors, officers, employees and agents from and against any and all claims and expenses, including attorneys’ fees, arising out of your use of the Website, including but not limited to out of your violation this Agreement.

10. Miscellaneous

The Agreement constitutes the entire agreement between Junto and you concerning the subject matter hereof. If any part of the Agreement is held invalid or unenforceable, that part will be construed to reflect the parties’ original intent, and the remaining portions will remain in full force and effect. A waiver by either party of any term or condition of the Agreement or any breach thereof, in any one instance, will not waive such term or condition or any subsequent breach thereof. You may assign your rights under the Agreement to any party that consents to, and agrees to be bound by, its terms and conditions; Junto may assign its rights under the Agreement without condition. The Agreement will be binding upon and will inure to the benefit of the parties, their successors, and permitted assigns.

Make sure to also read our Disclaimer and Privacy Policy before using the Junto Investments website and our services.