Subscriber Terms of Service

1. Assent and acceptance.

These Subscriber Terms of Service (the “Terms”) are a binding agreement between you (“you,” “Subscriber”) and Xvoro LLC d/b/a Ticker Mavericks, a Texas limited liability company (the “Company,” “we,” “us,” “our”).

By accessing or using the Services, you agree to these Terms in full. If you do not agree, you must not access or use the Services.

The “Services” means, collectively:

• The Platform — app.tickermavericks.com, including flags, research memos, composite scores, charts, Watchlist, Curator’s Highlights, and related tools; and
• The Newsletter and public content — tickermavericks.com, tickermavericks.substack.com, @TickerMavericks on X, @tickermavericks.com on Bluesky, and associated emails and distributions.

2. Eligibility and age.

You must be at least 18 years of age to use the Services. By using the Services, you represent and warrant that you are at least 18 and are legally able to enter into this agreement.

The Services are not directed to anyone under 18, and we do not knowingly collect personal data from anyone under 18.

3. Territory — United States residents only.

The paid Platform is offered solely to residents of the United States.

It is not directed to, and may not be subscribed to by, persons resident in any other jurisdiction. We make no representation that the Services are appropriate or available for use outside the United States. You may not access or subscribe to the Platform from any jurisdiction where doing so would be unlawful, or where it would subject the Company to any registration, licensing, or authorization requirement.

By subscribing, you represent that you are a U.S. resident.

4. Definitions.

• “Content” — all text, research, memos, scores, signals, charts, data, graphics, software, and other material made available through the Services.
• “Newsletter” — our free public content, distributed via Substack, X, Bluesky, and associated channels.
• “Platform” — the paid Ticker Mavericks web application at app.tickermavericks.com.
• “Subscription” — a paid subscription to the Platform.

5. Incorporation by reference.

The following documents are incorporated into and form part of these Terms:

• Content and Platform Disclaimer — governs what you should understand about our Content.
• Privacy Policy — governs our handling of personal data.
• Personal Trading Policy — governs our founder’s personal trading in securities we cover.

You should read each of them. They are available at the links above and in the footer of every page.

Where these Terms and an incorporated document address the same subject, these Terms control.

6. License to use the Service.

Subject to these Terms, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services for your own personal, non-commercial, educational purposes for the duration of your Subscription.

All rights not expressly granted are reserved. This license does not transfer any ownership interest to you.

7. Acceptable use.

You agree that you will not:

(a) Redistribute or resell. Reproduce, republish, redistribute, resell, sublicense, or commercially exploit any substantial portion of the Content — including flags, research memos, composite scores, charts, or other Platform outputs.

(b) Automate extraction. Scrape, crawl, spider, harvest, data-mine, or use any automated means to extract Content or data from the Services; or use the Content to train, fine-tune, or evaluate any machine-learning model.

This provision addresses automated extraction. It does not restrict your ordinary reading and personal use of the Services.

(c) Compete. Use the Services to provide services to third parties, or as a component of any competing product or service.

(d) Reverse engineer. Reverse engineer, decompile, disassemble, or attempt to derive the underlying models, screening logic, scoring methodology, or source code.

(e) Share or multiply access. Share your account credentials, create multiple accounts, or circumvent any access restriction or usage limit.

(f) Interfere. Damage, disable, overburden, or impair the Services, or interfere with any other user’s access to them.

(g) Break the law. Use the Services in violation of any applicable law or regulation, or for any unlawful purpose.

(h) Misrepresent. Use the Services to advertise or market to other users, or hold yourself out as affiliated with or endorsed by the Company.

We may suspend or terminate your access for any breach of this section.

8. Intellectual property.

All Content, and all intellectual property rights in it — including the layout, design, structure, selection, and arrangement of the Services, the “Ticker Mavericks” and “Xvoro” names and marks, and all software and code — is owned by or licensed to the Company and is protected by copyright, trademark, trade dress, and other laws.

You receive only the limited license in §6.

9. Subscriptions, billing, auto-renewal, and cancellation.

9.1 The Newsletter is free.

The Newsletter is provided free of charge. Access to the Platform requires a paid Subscription.

9.2 Material terms, disclosed before you pay.

Before we collect your billing information, we will clearly and conspicuously disclose: the subscription price; the billing frequency; that the Subscription automatically renews at the then-current price at the end of each billing period; that it renews until you cancel; the deadline to cancel to avoid the next charge; and how to cancel.

You must affirmatively consent to these terms before any charge is made.

9.3 Automatic renewal.

Your Subscription will automatically renew at the end of each billing period, and your payment method will be charged the then-current price, until you cancel.

9.4 Cancellation.

Cancellation takes effect at the end of your then-current billing period. You retain access until then.

9.5 Refunds.

9.6 Price changes.

We will give you at least 30 days’ advance notice by email before any price increase takes effect. You may cancel before it does.

9.7 Payment processing.

Payments are processed by third-party payment processors. We do not store full payment card details. See our Privacy Policy.

10. Scope of support.

Support is limited to questions about billing, account access, technical issues, and how to use the Platform, and to general questions about our published methodology.

Any response we provide is general information, is not personalized to you, and does not create an advisory relationship. If you want personalized advice, consult a licensed investment adviser.

We will use commercially reasonable efforts to respond to support requests and to correct reported errors. We do not guarantee any response time or any particular outcome.

11. Your account and your Content.

11.1 Account security.

You are responsible for safeguarding your credentials and for all activity under your account. Notify us promptly at support@tickermavericks.com of any unauthorized use.

11.2 Subscriber Content.

If you submit feedback, comments, or other material (“Subscriber Content”), you grant the Company a non-exclusive, worldwide, royalty-free, sublicensable license to use, reproduce, and display it in connection with the Services. You represent that you have the right to grant this license.

We are under no obligation to use, publish, or retain any Subscriber Content.

12. Disclaimers — see the Content and Platform Disclaimer.

Ticker Mavericks is a publisher of financial research and educational content. We are not an investment adviser, broker-dealer, or fiduciary, and we are not registered as such with any regulator.

All Content is for educational and informational purposes only and does not constitute financial, investment, tax, legal, or other professional advice. Nothing we publish is a recommendation to buy, sell, or hold any security. All investing involves risk, including the total loss of principal.

Our founder may hold positions in securities we cover. See Section 5 of the Content and Platform Disclaimer and our Personal Trading Policy.

The full disclaimers — covering advisory status, AI-generated content, third-party data, conflicts of interest, performance information, and the risks of the securities we cover — are set out in the Content and Platform Disclaimer, which is incorporated into these Terms and which you should read in full.

13. Disclaimer of warranties.

THE SERVICES AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT: THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; THAT ANY DATA, SCORE, SIGNAL, MEMO, OR OTHER OUTPUT WILL BE ACCURATE, COMPLETE, OR CURRENT; OR THAT ANY SECURITY DISCUSSED WILL PERFORM IN ANY PARTICULAR WAY.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN IMPLIED WARRANTIES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

14. Limitation of liability.

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

(a) IN NO EVENT WILL THE COMPANY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, OR FOR ANY INVESTMENT OR TRADING LOSSES, ARISING OUT OF OR RELATING TO THE SERVICES OR ANY CONTENT — WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

(b) THE COMPANY’S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF (i) THE TOTAL AMOUNTS YOU ACTUALLY PAID THE COMPANY IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (ii) ONE HUNDRED U.S. DOLLARS ($100).

(c) YOU ARE SOLELY RESPONSIBLE FOR YOUR INVESTMENT DECISIONS. THE COMPANY IS NOT LIABLE FOR ANY TRADING OR INVESTMENT LOSS YOU INCUR, WHETHER OR NOT RELATED TO ANY CONTENT WE PUBLISH.

(d) NOTHING IN THESE TERMS EXCLUDES OR LIMITS ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW, INCLUDING LIABILITY FOR FRAUD, FRAUDULENT MISREPRESENTATION, OR WILLFUL MISCONDUCT.

(e) SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

15. Indemnification.

You agree to defend, indemnify, and hold harmless the Company, its affiliates, and their respective members, officers, employees, and agents from and against any third-party claims, damages, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or relating to: your use of the Services; your breach of these Terms; your Subscriber Content; or your violation of any law or third-party right.

16. Arbitration and class action waiver.

16.1 Informal resolution first.

Before filing any claim, you agree to contact us at support@tickermavericks.com and attempt to resolve the dispute informally for 60 days. We will do the same.

16.2 Binding arbitration.

If we cannot resolve a dispute informally, any dispute arising out of or relating to these Terms or the Services will be resolved by final and binding arbitration, administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, before one arbitrator.

16.3 Class action waiver.

YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.

The arbitrator may not consolidate more than one person’s claims, and may not preside over any class or representative proceeding.

16.4 Jury trial waiver.

YOU AND THE COMPANY WAIVE ANY RIGHT TO A JURY TRIAL.

16.5 Small claims carve-out.

Either party may bring an individual action in small claims court instead of arbitration, if the claim qualifies.

16.6 Your right to opt out.

Opting out will not affect your subscription or your use of the Services in any way. If you opt out, disputes will be resolved in court under §17.

16.7 Fees.

The Company will pay AAA filing, administration, and arbitrator fees for any individual claim seeking less than $10,000, except where the arbitrator finds the claim frivolous.

16.8 Venue.

Arbitration will be seated in Harris County, Texas, unless you and the Company agree otherwise, or unless the AAA rules permit participation by telephone or video — which you may elect.

16.9 Delegation.

The arbitrator has exclusive authority to resolve any dispute about the interpretation, applicability, enforceability, or formation of this arbitration agreement — except that a court will decide any challenge to the class action waiver in §16.3.

16.10 Mass arbitration.

If 25 or more substantially similar claims are filed by or with the coordination of the same counsel, the claims will be administered in staged batches of no more than 50, with a bellwether process, in accordance with any applicable AAA mass-arbitration supplementary rules.

16.11 Injunctive relief carve-out.

Either party may seek injunctive relief in court to protect its intellectual property rights.

16.12 Survival.

This §16 survives termination of these Terms.

17. Governing law and venue.

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-laws principles.

Any dispute not subject to arbitration will be brought exclusively in the state or federal courts located in Harris County, Texas, and you consent to the personal jurisdiction of those courts.

18. Changes to these Terms.

We may modify these Terms at any time.

If we make material changes, we will notify you by email and by a prominent notice on the Services, at least 15 days before they take effect, and we will update the “Last Updated” date above.

Your continued use of the Services after the effective date constitutes acceptance. If you do not agree, you may cancel before the effective date, and we will refund any unused prepaid portion of your Subscription.

19. Termination.

You may stop using the Services and cancel your Subscription at any time (§9.4).

We may suspend or terminate your access, with or without notice, if you breach these Terms. We may also discontinue the Services, or any part of them, at any time; if we discontinue the Platform entirely, we will refund the unused prepaid portion of your Subscription.

Sections 8, 11.2, and 13 through 21 survive termination.

20. Notices.

Notices to you may be sent to the email address on your account, or posted on the Services.

Notices to the Company must be sent to:

21. Miscellaneous.

21.1 Entire agreement. These Terms, together with the documents incorporated in §5, are the entire agreement between you and the Company regarding the Services, and supersede all prior agreements and understandings.

21.2 Severability. If any provision is held invalid or unenforceable, it will be modified to the minimum extent necessary to make it enforceable, or severed, and the remainder will remain in full force.

21.3 No waiver. No failure or delay in enforcing any provision is a waiver of it.

21.4 Assignment. You may not assign these Terms. We may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets.

21.5 No third-party beneficiaries. These Terms create no rights in any third party, except that the Company’s affiliates, licensors, and data providers may enforce §§8, 13, 14, and 15.

21.6 Force majeure. Neither party is liable for any failure to perform caused by events beyond its reasonable control.

21.7 Electronic communications. You consent to receive communications from us electronically, and agree that electronic communications satisfy any legal requirement that a communication be in writing.

21.8 Copyright complaints. If you believe content on the Services infringes your copyright, contact us at support@tickermavericks.com with a description of the work, its location on the Services, your contact information, and a statement of good-faith belief that the use is unauthorized. We will investigate and remove infringing material where appropriate.

21.9 Headings. Headings are for convenience only and do not affect interpretation.