Terms of Service

Very Good Advisors and its affiliates (“VGA”, or “we”) provides its content on the VGA Site (the “Site”) subject to the following terms and conditions (the “Terms”). We may periodically change the Terms, so please check back from time to time. By accessing and using this Site, you agree to these Terms. If you do not agree to these Terms or are legally unable to agree to these Terms, you may not use the Site. For an explanation of our practices and policies related to the collection, use, and storage of our users’ information, please refer to Section 11 of these Terms.

1. Copyrights

All content and functionality on or available through the Site, including articles, notes, or other materials available for access through the Site which are subject to additional license terms or other restrictions, graphics, logos, icons, and images and the selection and arrangement thereof, otherwise available through the Site ( collectively, the “Site Content”) is exclusively owned by us and our licensors and is protected by U.S. and international copyright laws. All rights not expressly granted are reserved. Neither the Site Content nor functionality of the Site may be copied, reproduced, modified, published, uploaded, posted, transmitted, or distributed in any way without our written permission. Except as expressly provided herein, we do not grant any express or implied right to any users of the Site under any patents, copyrights, trademarks, or trade secret information.

2. Trademarks

The trademarks, service marks, designs, and logos (collectively, the “Trademarks”) displayed on the Site are the registered and unregistered Trademarks of VGA. You agree that you will not refer to or attribute any information to us or our licensors in any public medium (e.g., press release, websites, social media) for advertising or promotion purposes, or for the purpose of informing or influencing any third party and that you will not use or reproduce any Trademark of, or imply any endorsement by or relationship with, us or our licensors without our prior written authorization.

3. Use of site content

We hereby grant you a non-exclusive, non-transferable license for the term hereof to access the Site Content solely for your internal, business use, provided that you do not modify the Site Content in any way and that you retain all copyright and other proprietary notices displayed on the Site Content. You may not otherwise reproduce, modify, distribute, transmit, post, or disclose the Site Content without our prior written consent. We are not an investment adviser, and thus we cannot and do not provide investment advice. We do not take into account your individual circumstances, objectives, or needs. Nothing herein is intended to serve as investment advice, or a recommendation of any particular transaction or investment, any type of transaction or investment, the merits of purchasing or selling securities, or an invitation or inducement to engage in investment activity. Statements of expectation, forecasts and projections relate to future events and are based on assumptions that may not remain valid for the whole of the relevant period. Consequently, they cannot be relied upon, and we express no opinion as to how closely the actual results achieved will correspond to any statements of expectation, forecasts or projections. While these materials are based on sources believed to be reliable, we do not warrant their completeness or accuracy. We shall not be responsible for your decisions or actions based on these materials.

In no event may you attempt to gain access to the Site, any Site Content, any User Account other than your own or any other materials, information, data, networks or systems owned or operated by us or on our behalf through any means not intentionally made available to you by us. In addition, you agree not to use robots, spiders, scripts or web-scraping tools to scrape, or otherwise download in bulk or other than as reasonably required in connection with the intended use of the Site, any Site Content, including any Downloadable Content or User Content. In order to ensure that the content within the site remains secure, you should only access the site from computers and mobile devices owned or otherwise approved by your organization.

4. User registration information

In order to use certain features of the Site, you must first register with us through “Join VGA” or creating an account. By doing so, we will store the fields you provide upon registration. When you use sign-in and register to and access the Site, you give us express permission to store and use your profile data described in these terms and to share your profile data with third parties. All of this information that you provide to us comprises your “User Registration Information”.

5. Content Disclaimers

THE CONTENT AND FUNCTIONALITY ON THE SITE IS PROVIDED WITH THE UNDERSTANDING THAT WE ARE NOT HEREIN ENGAGED IN RENDERING PROFESSIONAL ADVICE AND SERVICES TO YOU. ALL CONTENT AND FUNCTIONALITY ON THE SITE IS PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE AND OUR THIRD-PARTY CONTENT AND SERVICE PROVIDERS MAKE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO THE OWNERSHIP, ACCURACY, AVAILABILITY OR ADEQUACY OF THE SITE OR SITE CONTENT, INCLUDING ANY USER CONTENT OR DOWNLOADABLE CONTENT AVAILABLE THROUGH THE SITE, EXCEPT AS OTHERWISE EXPRESSLY AGREED IN WRITING. WE SHALL HAVE NO LIABILITY OR RESPONSIBILITY FOR ANY INFORMATION PUBLISHED ON LINKED WEBSITES, CONTAINED IN ANY USER SUBMISSIONS PUBLISHED ON THE SITE, OR PROVIDED BY THIRD PARTIES. NEITHER WE NOR OUR THIRD-PARTY CONTENT OR SERVICE PROVIDERS SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES OR FOR LOST REVENUES OR PROFITS, WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES AND REGARDLESS OF THE THEORY OF LIABILITY.

6. Third-party websites

We may provide links to third-party websites, and some of the content appearing to be on this Site may be supplied by third parties, for example, in instances of framing of third-party websites or incorporation through framesets of content supplied by third-party servers or by redirecting your browser to websites hosted by third-parties in order to provide certain services. Such links or redirections to or displays of third party content do not constitute or imply an endorsement, sponsorship, or recommendation by us of the third party, the third party web site, or the information contained therein. Except as expressly set forth herein, we have no responsibility for these third-party websites, which are governed by the terms of use and privacy policies, if any, of the applicable third-party content providers.

7. Governing law

These Terms are governed by the laws of the State of New York without reference to the principles of conflicts of laws thereof.

8. Privacy

We understand that your privacy is important to you and we are committed to respecting your privacy and protecting your personally-identifiable information.

In order to access certain areas or features of the Site, you may first be required to provide additional information, such as additional User Account Information or payment information. We use this information to verify your identity, fulfill your requests and for other purposes authorized of us by these Terms.