MARKET MOMENTUM NAVIGATOR

TERMS OF SERVICE AGREEMENT

Effective Date: August 1, 2025

Welcome to Market Momentum Navigator, a premium financial newsletter service provided by Joshua Brown (“we,” “us,” or “our”). We appreciate your interest in our services and are committed to providing high-quality market insights to empower your trading decisions.

By subscribing to or accessing the Market Momentum Navigator newsletter, you agree to be bound by these Terms of Service (“Terms”). Please read these Terms carefully before subscribing.

1. DISCLAIMER OF FINANCIAL ADVICE

1.1 NOT FINANCIAL ADVICE

The content provided in Market Momentum Navigator, including but not limited to market analyses, trade ideas, stock recommendations, economic commentary, and investment strategies (collectively, “Content”), is presented for informational and educational purposes only. The Content does not constitute financial advice, investment advice, trading advice, or any other sort of advice, and you should not treat any of the newsletter’s content as such.

1.2 INDEPENDENT RESEARCH REQUIRED

All trading and investment decisions should be made based on your own independent research, judgment, and analysis. We strongly recommend consulting with a licensed financial advisor, accountant, and/or legal counsel before making any financial or investment decisions.

1.3 NO GUARANTEES

Past performance is not indicative of future results. No representations or guarantees are made regarding the accuracy, reliability, or completeness of any Content, or that any investment or trading strategy will be successful. Trading and investing involve substantial risk, including possible loss of principal.

2. LIMITATION OF LIABILITY

2.1 RELEASE OF LIABILITY

By subscribing to Market Momentum Navigator, you expressly agree to release, discharge, and hold harmless Market Momentum Navigator, its affiliates, officers, directors, employees, agents, and representatives from any and all liability, claims, damages, costs, or expenses of any kind, arising directly or indirectly from:

a) Your use of or reliance on the Content;
b) Any trading or investment decisions made based on the Content;
c) Any losses, damages, or other negative outcomes resulting from such decisions;
d) Any errors, inaccuracies, or omissions in the Content; and
e) Any delay, interruption, or unavailability of the newsletter service.

2.2 MAXIMUM LIABILITY

To the maximum extent permitted by applicable law, in no event shall Market Momentum Navigator’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing the newsletter during the twelve (12) months prior to bringing a claim.

2.3 NO LIABILITY FOR CONSEQUENTIAL DAMAGES

Under no circumstances shall Market Momentum Navigator be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, trading losses, or damages that result from the use of or inability to use the newsletter.

3. USER RESPONSIBILITIES

3.1 PERSONAL RISK ASSESSMENT

You acknowledge that trading and investing in financial markets involves significant risk. You are solely responsible for assessing your financial situation, risk tolerance, and suitability for any investment or trading strategy mentioned in the newsletter.

3.2 COMPLIANCE WITH LAWS

You agree to comply with all applicable local, state, national, and international laws and regulations regarding online conduct and acceptable content. You are solely responsible for ensuring that your use of the newsletter complies with applicable law.

3.3 ACCOUNT SECURITY

If you create an account or subscription, you are responsible for maintaining the confidentiality of your account information, including your password, and for restricting access to your computer or device. You agree to accept responsibility for all activities that occur under your account.

3.4 PROHIBITED USES

You agree not to:

a) Redistribute, reproduce, or share any Content without our express written permission;
b) Use the newsletter for any illegal purpose or in violation of any local, state, national, or international law;
c) Attempt to gain unauthorized access to any portion of the newsletter or any other systems or networks connected to the newsletter;
d) Harass, abuse, or harm another person through use of the newsletter; or
e) Use the newsletter in any manner that could disable, overburden, damage, or impair the newsletter.

4. SUBSCRIPTION DETAILS

4.1 SUBSCRIPTION PLANS

Market Momentum Navigator offers various subscription plans with different features, content access levels, and pricing. Details of available subscription plans are provided on our website.

4.2 PAYMENT TERMS

Subscription fees are billed in advance on a recurring basis according to the billing cycle selected at the time of purchase. By providing a payment method, you authorize us to charge the applicable subscription fees to that payment method.

4.3 AUTOMATIC RENEWAL

Unless you cancel your subscription before the end of the current billing period, your subscription will automatically renew, and you authorize us to charge your payment method for the renewal term at the then-current rate.

4.4 CANCELLATION POLICY

You may cancel your subscription at any time through your account settings or by contacting our customer support. Cancellations will take effect at the end of your current billing period. No refunds or credits will be provided for partial subscription periods unless required by law.

4.5 REFUND POLICY

Refunds may be issued at our sole discretion and in accordance with our refund policy as published on our website.

5. INTELLECTUAL PROPERTY

5.1 OWNERSHIP

All Content, features, and functionality of the newsletter, including but not limited to text, graphics, logos, icons, and images, as well as the compilation thereof, are and remain the exclusive property of Market Momentum Navigator and its licensors.

5.2 LIMITED LICENSE

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the newsletter for your personal, non-commercial purposes.

5.3 RESTRICTIONS

You may not:

a) Copy, modify, or create derivative works based on the newsletter or its Content;
b) Frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information;
c) Use any meta tags or any other “hidden text” utilizing our name or trademarks; or
d) Use any data mining, robots, or similar data gathering or extraction methods.

6. PRIVACY POLICY

Your use of the newsletter is also governed by our Privacy Policy, which is incorporated by reference into these Terms. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your information.

7. CHANGES TO TERMS

We reserve the right to modify these Terms at any time. If we make material changes to these Terms, we will provide notice through the newsletter or by other means. Your continued use of the newsletter after the effective date of the revised Terms constitutes your acceptance of the changes.

8. TERMINATION

8.1 TERMINATION BY US

We may terminate or suspend your access to the newsletter immediately, without prior notice or liability, for any reason, including, without limitation, if you breach these Terms.

8.2 TERMINATION BY YOU

You may terminate your subscription as described in Section 4.4.

8.3 EFFECT OF TERMINATION

Upon termination, your right to access and use the newsletter will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

9. GENERAL PROVISIONS

9.1 GOVERNING LAW

These Terms shall be governed by and construed in accordance with the laws of Florida, without regard to its conflict of law provisions.

9.2 DISPUTE RESOLUTION

Any dispute arising out of or relating to these Terms or the newsletter shall be resolved through binding arbitration conducted in Florida in accordance with the commercial arbitration rules of American Arbitration Association®.

9.3 CLASS ACTION WAIVER

You agree that any proceedings to resolve disputes will be conducted on an individual basis and not in a class, consolidated, or representative action.

9.4 SEVERABILITY

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

9.5 ENTIRE AGREEMENT

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Market Momentum Navigator regarding the newsletter and supersede all prior agreements and understandings, whether written or oral.

BY SUBSCRIBING TO OR ACCESSING THE MARKET MOMENTUM NAVIGATOR NEWSLETTER, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.