Terms of Service

These Terms of Service ("Terms") govern your access to and use of the Power Investor™ website and services at www.powerinvestor.net (the "Service"), operated by Power Investor, Inc., doing business as Power Investor ("Power Investor," "we," "us," or "our"). By creating an account or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service.

2. The Service

Power Investor provides objective, transparent-methodology investment research, analytics, portfolio tools, rankings, an investment journal, and related educational features. Certain features use artificial intelligence to generate educational summaries.

3. Not investment, legal, or tax advice

The Service is for informational and educational purposes only. It is not investment, legal, or tax advice, and nothing in it is a recommendation to buy, sell, or hold any security or to pursue any investment strategy. Power Investor is not a broker-dealer, investment adviser, or financial planner, and does not provide personalized investment advice. Rankings, scores, and AI-generated content are impersonal, algorithmic, or educational outputs and must not be relied upon as a recommendation. You are solely responsible for your own investment decisions and should consult a qualified professional before acting. Investing involves risk, including possible loss of principal. Past performance does not guarantee future results.

4. Market data

Market data displayed may be delayed, incomplete, or unavailable and may contain errors or omissions. Do not rely on it for trading. We disclaim liability for any data inaccuracy, delay, or unavailability.

5. Alternative Investments / investor matching

Any investor-introduction or "Alternative Investments" feature is an information and introduction service only. Power Investor is not a broker-dealer, investment adviser, funding portal, or underwriter; does not offer, sell, solicit, or recommend any security; does not endorse any party or opportunity; and does not provide investment advice. Private investments are speculative, illiquid, and may result in the loss of the entire investment. Any transaction is solely between the participants, who are responsible for their own due diligence and legal compliance.

6. Your account

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. Notify us promptly of any unauthorized use. Provide accurate information and keep it current.

7. Acceptable use

You agree not to misuse the Service, including by attempting to disrupt it, access it without authorization, reverse engineer it, scrape it at scale, infringe others' rights, or use it for any unlawful purpose.

8. Intellectual property and trademarks

The Service, including its content, software, and design, is owned by Power Investor or its licensors and is protected by intellectual-property laws. POWER INVESTOR® is a U.S. federally registered service mark (Reg. No. 6,714,023) for the investor-matching service; other uses of the Power Investor™ name, logo, and marks are claimed under common law. You may not use our marks without permission. You retain ownership of the content you submit and grant us a limited license to process it to provide the Service.

9. Third-party services

The Service integrates third-party providers (including Anthropic, Microsoft, and Google). Your use of those services may be subject to their terms and policies. We are not responsible for third-party services.

10. Disclaimer of warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY CONTENT OR DATA IS ACCURATE OR COMPLETE.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, POWER INVESTOR AND ITS AFFILIATES, OFFICERS, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, OR INVESTMENT LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM OR ONE HUNDRED U.S. DOLLARS ($100).

12. Indemnification

You agree to indemnify and hold harmless Power Investor from claims arising out of your use of the Service, your content, or your violation of these Terms.

13. Termination

We may suspend or terminate your access at any time for any reason, including violation of these Terms. You may stop using the Service and delete your account at any time.

14. Governing law and dispute resolution

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules. Subject to the arbitration agreement in Section 15, the exclusive venue for any dispute will be the state and federal courts located in Lake County, Florida, and you consent to that jurisdiction.

15. Binding arbitration; class-action waiver

Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court and to have a jury trial.

(a) Informal resolution first. Before starting an arbitration, you agree to try to resolve the dispute informally by emailing legal@powerinvestor.net with a description of the dispute, and to give us 30 days to resolve it.

(b) Agreement to arbitrate. Except for the disputes described in paragraph (d), you and Power Investor agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court. The Federal Arbitration Act governs the interpretation and enforcement of this section. The arbitration will take place in Lake County, Florida, or, at your election, by telephone or videoconference or on the basis of written submissions only. The arbitrator's award may be entered as a judgment in any court of competent jurisdiction.

(c) Class-action and jury-trial waiver. You and Power Investor 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 or otherwise preside over any form of a representative or class proceeding. You and Power Investor waive any right to a jury trial.

(d) Exceptions. This section does not require arbitration of: (i) an individual claim brought in small-claims court that remains in that court; or (ii) a claim for injunctive or other equitable relief to address unauthorized access to or use of the Service or the infringement or misuse of intellectual property. Such claims are subject to the court venue in Section 14.

(e) Your right to opt out. You may opt out of this arbitration agreement within 30 days after you first accept these Terms by emailing legal@powerinvestor.net with your name and a statement that you decline to arbitrate. Opting out will not affect any other part of these Terms.

(f) Severability. If the class-action waiver in paragraph (c) is found unenforceable as to a particular claim, that claim (and only that claim) will be severed and may proceed in the courts identified in Section 14; the remainder of this section will remain in effect.

16. Subscriptions, billing, and refunds

Certain features are offered under a paid "Investor" plan, available as a monthly or annual subscription. Current prices are shown on our pricing page, are in U.S. dollars, and exclude any applicable taxes.

Auto-renewal. Monthly and annual subscriptions renew automatically for successive periods of the same length, at the then-current price, using your payment method on file, until you cancel. By subscribing you authorize us and our payment processor to charge that method for each renewal until you cancel.

Cancellation. You may cancel at any time from the Plan & billing page in your account. Cancellation stops future renewals; your paid access continues through the end of the current billing period and is not renewed thereafter.

Refunds. We offer a 14-day money-back guarantee: if you are not satisfied, contact us at membership@powerinvestor.net within 14 days of a purchase for a full refund of that purchase. After 14 days, payments (including subscription renewals) are non-refundable, except where a refund is required by law.

Price changes. We may change subscription prices. Any change applies to renewals occurring after we provide notice, and your continued subscription after the change takes effect constitutes acceptance of the new price.

Payment processing. Payments are processed by a third-party payment processor, and your purchase is also subject to that processor's terms and privacy policy. We do not store your full payment-card details.

17. Changes to these Terms

We may update these Terms from time to time. We will revise the "Last updated" date above and, where appropriate, provide additional notice. Your continued use of the Service after changes take effect constitutes acceptance.

18. Contact us

Questions about these Terms? Email legal@powerinvestor.net or write to us at 37601 Burhans Road, Eustis, FL 32736.