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Terms of Use

Web Site Terms and Conditions of Use

1. Terms

By accessing this web site, ADS Insights (, and all other websites operated under ADS Insights (collectively known and referred to from here on as the “Sites”), you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing the Sites. The materials contained in the Sites are protected by applicable copyright and trade mark law.

2. Use License

  1. Permission is granted to download or copy the Content (information, articles, and commentary) on the Sites for personal, non-commercial transitory viewing only if the Content is not edited or modified to remove attributions, copyrights, or notices. This is the grant of a license, not a transfer of title, and under this license you may not:
    1. modify or copy the materials;
    2. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
    3. attempt to decompile or rewrite any content contained on the Sites for commercial or non-commercial purposes;
    4. remove any copyright or other proprietary notations from the Content; or
    5. transfer the materials to another person or "mirror" the materials on any other server.
  2. This license shall automatically terminate if you violate any of these restrictions and may be terminated by ADS Insights at any time. Upon terminating your viewing of the Content or upon the termination of this license, you must destroy any downloaded or copied materials in your possession whether in electronic or printed format.
3. Disclaimer

  1. The materials and Content on the Sites are provided "as is". ADS Insights makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, ADS Insights does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials and Content on the Sites or otherwise relating to such materials and Content or on any other websites linked to the Sites.
  2. ADS Insights is not an advisory, investment, wealth management, tax, legal, financial, or other type of firm that provides investment, tax, legal, or other advice and recommendations. The articles and commentary found on the Sites are for informational or entertainment purposes and not recommendations or advice to manage wealth; develop tax strategies; or carry out any other investment, finance, tax, legal or other related actions. You should consult with an investment adviser or other investment professional before making any investment decisions. You should consult with a tax professional or other finance professional before taking any tax or other finance related actions. You should consult with a legal professional before taking any legal actions. You are responsible for your investment, financial, tax, legal, and other related decisions. ADS Insights is not responsible or liable for any circumstances resulting from actions taken by readers of the information and Content found on the Sites. All of the Content and information found on the Sites are not directed towards any specific type of investor and is not personal to any specific person or group. ADS Insights' authors offer opinionated content and not specific recommendations or advice. If you view our articles on Seeking Alpha, then Seeking Alpha's Terms of Use and Privacy Policy will apply. If you shop at our store on CafePress, then CafePress's Terms of Use and Privacy Policy will apply. The Terms of Use and Privacy Policies of any other sites that our content is hosted on will apply once you navigate to those sites.
4. Limitations

In no event shall ADS Insights, its authors, contributors, or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on the Sites, even if ADS Insights or an ADS Insights authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Revisions and Errata

The materials and Content appearing on the Sites could include technical, typographical, or photographic errors and other inaccurate information. ADS Insights does not warrant that any of the materials or Content on its web site are accurate, complete, or current. ADS Insights may make changes to the materials or Content contained on the Sites at any time without notice. ADS Insights does not, however, make any commitment to update the materials or Content.

6. Links

ADS Insights has not reviewed all of the sites linked to the Sites and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by ADS Insights of the site. Use of any such linked web site is at the user's own risk.

7. Site Terms of Use Modifications

ADS Insights may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

8. Governing Law

Any claim relating to ADS Insights or the Sites shall be governed by the laws of the State of Missouri without regard to its conflict of law provisions.

9. Reservation of Rights

Any rights not explicitly mentioned in ADS Insights’ Web Site Terms and Conditions of Use are reserved by ADS Insights.