PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE USING THIS WEBSITE (the “Site”).

Keystone Investors Research Group, LLC. (the “Company” or “Keystone Research”) operating as Keystone Research Group has prepared its course content (the “Content”) for educational and informational purposes only.

YOU ACKNOWLEDGE AND AGREE THAT, BY CLICKING THE CHECKBOX OR BY ACCESSING OR USING THE SITE AND CONTENT, YOU ARE INDICATING THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THIS AGREEMENT (“AGREEMENT’). IF YOU DO NOT AGREE TO THIS AGREEMENT, THEN YOU HAVE NO RIGHT TO ACCESS OR USE THE SITE AND CONTENT. If you accept or agree to this Agreement on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind that company or other legal entity to this Agreement and, in such event; “Subscriber”, “You” and “Your” will refer and apply to that company or other legal entity.

• You acknowledge and agree to the following:
  
  1. Keystone Research is a publisher of financial information, not an investment adviser. We rely upon the “publisher’s exclusion” from the definition of investment adviser under Section 202(a)(11)(D) of the Investment Advisers Act of 1940 and corresponding state securities laws. We do not provide personalized or individualized investment advice. Any information provided as part of the Services is impersonal and not specific to any person’s investment needs. You acknowledge and agree that no Content published or otherwise provided as part of any Service constitutes a personalized recommendation or advice regarding the suitability of, or advisability of investing in, purchasing or selling any particular investment, security, portfolio, commodity, transaction or investment strategy. To the extent that any of the Content may be deemed to be investment advice or recommendations in connection with a particular security, such information is impersonal and not tailored to the investment needs of any specific person;
  2. None of our personnel, including, but not limited to, editorial staff, employees or independent contractors (collectively, “Our Representatives”), will provide you with personalized advice regarding the value or suitability of, or advisability of investing in, purchasing or selling, any particular investment, security, portfolio, commodity, transaction, investment strategy or any other matter, and you further agree not to request or contact us for such advice;
  3. From time to time the Services provide the opinion and commentary of Our Representatives, as well as well as opinion and commentary of third parties that are not controlled by Keystone Research, including, but not limited to, interviewees, guests, analysts and other third-party Content providers (collectively, “Outside Contributors”), as well as opinions and commentary provided in the products and services of our affiliates. The Services may contain opinions and commentary with regard to investments that may differ from opinions and commentary provided by and in other Services, Outside Contributors and/or our affiliates. The Services and/or Content are not to be used or construed as a recommendation or offer to buy or sell, or a solicitation of an offer to buy or sell, any security, company, financial product or instrument, or to participate in any particular investment strategy, by any of the Keystone Research Entities (defined below) or any third party. The Services and all Content are for informational purposes only and are not intended to provide you with tax, legal, investment or accounting advice. None of Keystone Research Entities shall be liable for any investment decisions based upon or results obtained from the Services and/or Content. Trading in investments involves risk and volatility, and any of the investments discussed in the Services may lose their value after purchase. Past investment results are not necessarily indicative of future performance;
  4. Where Services and/or Content provided by Keystone Research consists of pricing or performance data, such data has been obtained from third-party sources reasonably believed to be reliable. However, the accuracy, completeness or timeliness of any such data or data calculations are not guaranteed by the Third-Party Providers (defined below) of such data or by Keystone Research, or any other third party. You acknowledge and agree that we do not have control over the quality, accuracy, completeness, veracity or legality of Content provided by Third-Party Providers and Outside Contributors;
  5. From time to time, reference may be made in our marketing materials to prior articles and opinions we have published. These references may be selective, may reference only a portion of an article or recommendation, and may not be current. As markets change continuously, previously published information and data may not be current and should not be relied upon;
  6. When U.S., international, cryptocurrency and/or other similar exchanges are open, any quotes that we may provide through our Platforms are delayed (other than those obtained through any real-time quote services we make available to users of certain Services). When such exchanges are not open, quotes are only current as of the close of the last day of trading. You acknowledge and agree that neither Keystone Research nor any Third-Party Provider of these quotes or related data shall be liable to you or any third party for any damage or loss resulting from your reliance or trading on the quotes, information or data contained or referenced in the Content or Services;
  7. To the extent any of the Services involve a model portfolio of investments, such portfolio provides investment ideas and/or provides information regarding investments, and is chosen by Our Representatives or Outside Contributors in accordance with our or their stated investment strategy and is for informational purposes only. Your actual results may differ from results reported for the portfolio for many reasons, including, but not limited to, trading commissions or pricing differences due to timing of a purchase or sale of an investment in the portfolio; and
  8. The information, research and opinions and other Content that Keystone Research provides as part of the Services are obtained or derived from sources believed to be reliable, but we cannot guarantee their accuracy and completeness nor the opinions based thereon. You should not rely solely upon such information, research and opinions for purposes of transacting securities or other investments, and you are encouraged to conduct your own research and due diligence, and to seek the advice of a qualified investment professional before you make any investment. None of the information provided as part of our Services constitutes, or is intended to constitute, a recommendation by us of any particular security or other investment or trading strategy or a determination by us that any security or other investment or trading strategy is suitable for any specific person. Investing in securities or other investments, including those chosen in any of Keystone Research’s model portfolio products or in any of the other Services, is speculative in nature and involves substantial risk of loss of the money invested.

Limited License

You agree that you FULLY understand that our staff is always willing to work with you and will always honor our service. However, if you file a fraudulent dispute or chargeback you forfeit your account and will be reported to your bank as fraud, sent to collections and possibly pursued legally. YOU HAVE ZERO RISK of this issue as long as you just speak with our staff. We are more than willing to work with you but will not tolerate fraud of any kind.

You agree that the Site itself, as well as all Content, including videos, training materials, products, services and/or other materials, made available on the Site by us or other third parties, as well as the look and feel of all of the foregoing, are maintained for your personal use and information by the Company and are the property of the Company and/or its third-party providers. You agree that such Content shall include all proprietary videos, HTML/CSS, Javascript, graphics, voice and sound recordings, artwork, photos, documents, and text as well as all other materials included in the Site, excluding only the materials you provide. Subject to your compliance with these Terms of Service, the Company hereby grants you a limited license, which is non-exclusive, non-transferable and non-sublicensable, to access, view and use the Site solely for your personal purposes.

No Content may be copied, reproduced, republished, uploaded, posted, transmitted, distributed, used for public or commercial purposes, or downloaded in any way unless written permission is expressly granted by the Company. Modification of the Content or use of the Content for any other purpose is a violation of the copyright and other proprietary rights of the Company, as well as other authors who created the materials, and may be subject to monetary damages and penalties. You may not distribute, modify, transmit or use the Content of the Site or any Content, including any and all software, tools, graphics and/or sound files, for public or commercial purposes without the express written permission of the Company.

While the Company uses reasonable efforts to include accurate and up-to-date information in the Site, the Company makes no warranties or representations as to its accuracy. The Company assumes no liability or responsibility for any errors or omissions in the Content.

When you register with the Company and/or this Site, you expressly consent to receive any notices, announcements, agreements, disclosures, reports, documents, communications concerning new products or services, or other records or correspondence from the Company. You consent to receive notices electronically by way of transmitting the notice to you by e-mail.

Proprietary Rights

All Content, including text, data, graphics files, videos and sound files and other materials contained on the Site, are copyrighted unless otherwise noted and are the property of the Company and/or a supplier to the Company. No such materials may be used except as provided in these Terms of Service

All trade names, trademarks, and images and biographical information of people used in the Company Content and contained in the Site, including without limitation the name and endeavor Keystone Investors Club is either the property of, or used with permission by, the Company. The use of Content by you is strictly prohibited unless specifically permitted by these Terms of Service. Any unauthorized use of Content may violate the copyright, trademark, and other proprietary rights of the Company and/or third parties, as well as the laws of privacy and publicity, and other regulations and statutes. Nothing contained in this Agreement or in the Site shall be construed as granting, by implication or otherwise, any license or right to use any Trademark or other proprietary information without the express written consent of the Company or third-party owner. The Company respects the copyright, trademark and all other intellectual property rights of others. The Company has the right, but has no obligation, to remove content and accounts containing materials that it deems, in its sole discretion, to be unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Service. If you believe that your intellectual property rights are being violated and/or that any work belonging to you has been reproduced on the Site or in any Content in any way, you may notify the Company at [email protected]. Please provide your name and contact information in your correspondence.

If you send comments or suggestions about the Site to the Company, including, but not limited to, notes, text, drawings, images, designs or computer programs, such submissions shall become, and shall remain, the sole property of the Company. No submission shall be subject to any obligation of confidence on the part of the Company. The Company shall exclusively own all rights to (including intellectual property rights thereto), and shall be entitled to unrestricted use, publication and dissemination as to all such submissions, for any purpose, commercial or otherwise without any acknowledgment or compensation to you.

Modification

The Company reserves the right to modify, discontinue or terminate the Site and/or Content or to modify this Agreement at any time and without prior notice. If the Company modifies this Agreement, the Company will post the modification on the Site or provide you with written notice of the modification. The Company will also update the “Last Updated Date” at the top of this Agreement. By continuing to access or use the Site or Content after the Company has posted a modification on the Site or has provided you with notice of a modification, you are indicating that you agree to be bound by the modified Agreement. If the modified Agreement is not acceptable to You, Your only recourse is to cease using the Site and Content.

Refund Policy

Unless otherwise stated on the specific products sales page and/or order form, all of our products, including Keystone Investors Club purchases, come with a sixty-(60)-Day) no questions asked refund policy. In order to claim your refund, you must contact support staff by e-mail at [email protected] within sixty (60) days of your purchase and expressly request a refund.

Risk Disclosure and Disclaimer

Information provided by the Company is not investment advice. The Company is not a registered investment adviser, dealer, analyst, stockbroker, brokerage or financial planner.  Everything that we provide on this Site is purely for informational and educational purposes. The information provided on this Site has been prepared without regard to any particular individual investment objectives, financial situation and needs. Accordingly, you should not act on any information on the Site without obtaining specific advice from your financial adviser and should not rely on information herein as the primary basis for your investment decisions. Please be aware of the risks involved with any trading done in any financial market.

The Company does not, and will not, execute any trades on your behalf, manage any of your money and/or communicate with your securities or financial advisers or exchanges. You agree that you must contact your own registered dealers/stockbrokers/brokerages/exchanges to make any transactions or trades. The Company will not provide any individual investment advice in response to enquiries and will disregard any questions that appear to be seeking such advice. You agree that you bear responsibility for your own investment research, investment decisions and trading execution. The Company shall not be held liable by you or any others for any decision made or action taken by you or others based upon reliance on or use of information or materials obtained or accessed through use of the Site. You assume the entire cost and risk of any and all chosen trading undertaking(s). Prior to any transaction in cryptocurrencies, you should consult with a qualified financial adviser.

Trading and investing in cryptocurrencies (also called digital or virtual currencies, crypto assets, altcoins, etc.) involves substantial risk of loss and is not suitable for every investor. The valuation of cryptocurrencies may fluctuate and, as a result, investors may lose their original investment. The highly leveraged nature of trading means that small market movements will have a great impact on your trading account and this can work against you leading to large losses or can work for you leading to large gains.

If the market moves against you, you may sustain a total loss greater than the amount you deposited into your trading account(s). You are responsible for all the risks and financial resources you use and for the chosen trading system. You should not engage in trading unless you fully understand the nature of the transactions you are entering into and the extent of your exposure to loss. If you do not fully understand these risks, you must seek independent advice from your financial adviser. It is your responsibility to confirm and decide which trades to make. Trade only with risk capital; that is, trade with money that, if lost, will not adversely impact your lifestyle and your ability to meet your financial obligations. Past results are no indication of future performance. In no event should the content of this Agreement and the Content be construed as an express or implied promise or guarantee.

YOU SHOULD NOT INVEST IN CRYPTOCURRENCIES UNLESS YOU ARE WILLING TO TAKE SUBSTANTIAL RISKS AND CAN AFFORD TO LOSE SUBSTANTIAL AMOUNTS. All trading strategies are used at your own risk

Any Content on this Site and/or related social media sites, including videos or subscription services, should not be relied upon as advice or construed as providing recommendations of any kind. None of the Content published on this Site constitutes a recommendation that any particular cryptocurrency, portfolio of cryptocurrencies, transaction or investment strategy is suitable for any specific person. Under no circumstances should any Content be used or interpreted as a recommendation or invitation to buy or sell any type of security,  commodity or derivative or to partake in any other financial activity by way of any financial instrument, and is not calculated to lead directly or indirectly to persons doing so. Any investment decisions must in all cases be made by the user in conjunction with their financial adviser. The services and Content that we provide are solely for educational and informational purposes. Any opinions, news, research, analyses, prices or other information contained on this Site are provided as general market commentary and do not constitute investment advice.

The Company and its authors do not guarantee that you will make any profits or that any of the Content or information on the Site is accurate or that utilization of the Content will result in a profit. All information contained herein should be independently verified and confirmed by you. You agree that the information provided on this Site is not guaranteed to be accurate at all times and that the Company is not accountable for any errors. The Company does not represent, endorse, warrant or take any responsibility as to the accuracy or completeness of any information contained herein, including of any advertisements or third-party content on the Site. The Company also does not represent, endorse, warrant or take any responsibility that the persons or entities which issue cryptocurrencies that are the subject of the information provided on the Site are subject to, or in compliance with, applicable legislation, regulation and registration and reporting requirements. The Site does not purport to provide a complete description of the market or developments to which reference is made and, thus, there may be instances when fundamental, technical and quantitative opinions may not be in concert.

The Company, through its newsletter publications and other of its Content, may express opinions about whether any particular cryptocurrency represents good, fair or poor speculative value. Such observations, which are generally linked to uncertain future outcomes and their probabilities and involve the interpretation of the Company and its analysts, are valid only at the time made. You are advised not to rely solely on this data but rather to double-check any data points (including individual asset prices) through your own independent sources. You are encouraged to use your own research to form your own assessments of speculative value.

The Company offers disinterested commentary and analysis. Unless otherwise specifically noted, the Company does not receive any form of payment or other compensation for publishing information, news, research or any other material concerning specific cryptocurrencies on the Site that is intended to affect or influence their value. The Company and its personnel do not engage in front-running of recommendations and do not trade against any recommendations they may make.

The Company and its management may benefit from an increase or decrease in the market values of profiled cryptocurrencies and/or may have other actual or potential conflicts of interest. If a particular cryptocurrency featured in the Content is concurrently owned by the Company in its account or in any of the individual accounts of the Company’s principals or analysts/writers, that fact will be specifically disclosed. The Company, its principals, analysts and writers may choose to purchase a cryptocurrency featured in its Content but typically will wait three (3) trading days from the date of publication before initiating said purchase unless it is for purposes of a training video.

Warranty Disclaimers

ALL CONTENT ON THE SITE IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OF THE MATERIALS IN THE SITE, THE RESULTS OF THE USE OF SUCH MATERIALS, THE SUITABILITY OF SUCH MATERIALS FOR ANY USER’S NEEDS OR THE LIKELIHOOD THAT THEIR USE WILL MEET ANY USER’S EXPECTATIONS, OR THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR CORRECTION. THE COMPANY LIKEWISE DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS OR GUARANTEES THAT YOU WILL EARN ANY MONEY USING THE SITE OR THE COMPANY’S TECHNOLOGY OR SERVICES. YOU ACCEPT ALL RESPONSIBILITY FOR EVALUATING YOUR OWN EARNING POTENTIAL AS WELL AS EXECUTING YOUR OWN BUSINESS AND SERVICES. YOUR EARNING POTENTIAL IS ENTIRELY DEPENDENT ON YOUR OWN PRODUCTS, IDEAS, TECHNIQUES; YOUR EXECUTION OF YOUR BUSINESS PLAN; THE TIME YOU DEVOTE TO THE PROGRAM, IDEAS AND TECHNIQUES OFFERED AND UTILIZED; AS WELL AS YOUR FINANCES, YOUR KNOWLEDGE AND YOUR SKILL. SINCE THESE FACTORS DIFFER AMONG ALL INDIVIDUALS, THE COMPANY CANNOT AND DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS OR GUARANTEES REGARDING YOUR SUCCESS OR INCOME LEVEL. THE COMPANY DOES NOT WARRANT THAT USE OF THE MATERIALS WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE, THE CONTENT, AND/OR THE MATERIALS AVAILABLE ON THIS SITE ARE FREE FROM BUGS OR VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ASSUME ALL RESPONSIBILITY FOR THE COST OF ALL NECESSARY REPAIRS OR CORRECTIONS. THE COMPANY SHALL NOT BE RESPONSIBLE FOR ANY PERFORMANCE OR SERVICE PROBLEMS CAUSED BY ANY THIRD-PARTY WEBSITE OR THIRD-PARTY SERVICE PROVIDER. ANY SUCH PROBLEM SHALL BE GOVERNED SOLELY BY THE AGREEMENT BETWEEN YOU AND THAT PROVIDER. THE FOREGOING EXCLUSIONS AND DISCLAIMERS OF WARRANTIES ARE AN ESSENTIAL PART OF THIS AGREEMENT AND FORMED THE BASIS FOR DETERMINING THE PRICE CHARGED FOR THE PRODUCTS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM PROVIDER OR ELSEWHERE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES IN CERTAIN CIRCUMSTANCES. ACCORDINGLY, SOME OF THE LIMITATIONS SET FORTH ABOVE MAY NOT APPLY.

THE COMPANY MAKES NO WARRANTY REGARDING THIRD-PARTY DATA OR ANY OTHER INFORMATION PURCHASED OR OBTAINED THROUGH COMPANY’S SITE AND/OR WEB SERVICES OR THE ACCURACY, TIMELINESS, TRUTHFULNESS, COMPLETENESS OR RELIABILITY OF THIRD-PARTY DATA OR OTHER INFORMATION OBTAINED THROUGH THE COMPANY’S WEBSITE AND/OR WEB SERVICES.

Limitation of Liability and Indemnity

IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT, PUNITIVE, RELIANCE OR CONSEQUENTIAL DAMAGES, WHETHER FORESEEABLE OR NOT, INCLUDING, BUT NOT LIMITED TO, DAMAGE OR LOSS OF PROPERTY, EQUIPMENT, INFORMATION OR DATA, LOSS OF PROFITS, REVENUE OR GOODWILL, COST OF CAPITAL, COST OF REPLACEMENT SERVICES OR CLAIMS FOR SERVICE INTERRUPTIONS OR TRANSMISSION PROBLEMS OCCASIONED BY ANY DEFECT IN THE SITE, THE CONTENT AND/OR RELATED MATERIALS, THE INABILITY TO USE SERVICES PROVIDED HEREUNDER OR ANY OTHER CAUSE WHATSOEVER WITH RESPECT THERETO, REGARDLESS OF THEORY OF LIABILITY. THIS LIMITATION WILL APPLY EVEN IF THE COMPANY HAS BEEN ADVISED OR IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

You agree to indemnify and hold the Company and each of its directors, officers, employees and agents, harmless from any and all liabilities, claims, damages and expenses, including reasonable attorney’s fees, arising out of or relating to (i) your breach of this Agreement, (ii) any violation by you of law or the rights of any third party, (iii) any materials, information, works and/or other content of whatever nature or media that you post or share on or through the Site, (iv) your use of the Site or any services that the Company may provide through the Site, and (v) your conduct in connection with the Site or the services or with other users of the Site or the services. The Company reserves the right to assume the exclusive defense of any claim for which we are entitled to indemnification under this Section. In such event, you shall provide the Company with such cooperation as is reasonably requested by the Company.

MISCELLANEOUS PROVISIONS

Survival

The provisions herein that by their nature should reasonably survive this Agreement, as well as any amendments to the provisions of this Agreement, will survive any termination or expiration of this Agreement.

Force Majeure

The Company and its respective affiliates shall not be deemed to be in default of any provision hereof or be liable for any delay, failure in performance, or interruption of service resulting directly or indirectly from acts of God, civil or military authority, civil disturbance, war, terrorism, strikes, fires, other catastrophes, power or telecommunications failure or any other cause beyond its reasonable control.

Compliance with Laws and Policies

The parties hereby agree to abide by and comply with all applicable local, state, national, and international laws and regulations (including applicable laws that pertain to the transmission of technical data, privacy, the encryption of software, the export of technology, the transmission of obscenity or the permissible uses of intellectual property).

This Agreement shall be governed by and construed in accordance with the laws of Toronto and the laws of Canada applicable therein. Any and all disputes arising under this Agreement, whether as to interpretation, performance or otherwise, shall be subject to the exclusive jurisdiction of the courts of the Province of Ontario, Canada and each of the parties hereto hereby irrevocably attorns to the jurisdiction of the courts of such province.

Entire Agreement and Severability

This Agreement, as amended from time to time according to its terms, shall constitute the entire agreement between the Subscriber and the Company respecting the Site and Content described herein, and shall supersede all prior agreements, arrangements, representations or promises, whether oral or written, as to its subject matter. This Agreement may be amended only in a written agreement that is duly executed by authorized representatives of the parties.

Waiver

No waiver by either party of any default by the other in the performance of any provisions of this Agreement shall operate as a waiver of any continuing or future default, whether of a like or different character.

Assignment

Neither party may assign this Agreement without the prior written consent of the other party.

Severability

If any provision of this Agreement (or any portion thereof) shall be invalid, illegal or unenforceable, the validity, legality or enforceability of the remainder of this Agreement shall not in any way be affected or impaired thereby.

Third-Party Beneficiaries

The provisions of these Terms of Service are for the benefit of the Company, its subsidiaries, affiliates and its third-party content providers and licensors, and each shall have the right to assert and enforce such provisions directly or on its own behalf.