Terms & Conditions

Last Updated: July 05, 2025

These Terms of Use (the "Terms") govern your use of SPIndexInsight.com website, (the "BSI Website"). "You" or "Your" refers to any person or entity that accesses or attempts to access the SPIndexInsight.com website. By accessing or using the SPIndexInsight.com Websites, You agree to be bound by these Terms. SPIndexInsight.com may update these Terms at any time. You are encouraged to review the Terms carefully prior to using the SPIndexInsight.com Website and each time You return as they are subject to change.

Limitations Regarding Information Presented

The SPIndexInsight.com Websites are not intended to provide legal, tax,financial or insurance advice. In general, the information contained in the SPIndexInsight.com Websites has been prepared without reference to any particular user's personal situation.

Pricing and other information generated through the use of data or services made available via the SPIndexInsight.com Websites may not reflect actual prices or values that would be available in the market at the time provided or at the time that You may want to purchase or sell a particular security or other investment, including a digital asset. In addition, credit ratings are statements of opinions and are not statements of fact. Any reference to a particular investment or security, a rating or any observation concerning an investment that is part of this information is not a recommendation to buy, sell or hold such investment or security or other asset, does not address the suitability of an investment or security or other asset for any particular investor, and should not be relied on as investment advice.

Before investing, You should consider whether any investment, investment strategy, security, other asset, or related transaction is appropriate for You based on Your personal investment objectives, financial circumstances, and risk tolerance. You are also encouraged to consult Your legal, tax,financial or insurance professional regarding Your specific situation.

Timeliness of Content

All content on the SPIndexInsight.com Websites is presented only as of the date and time published or indicated and may be superseded by subsequent market events or for other reasons. Users are cautioned not to place undue reliance on any forward-looking statements (indicated by language such as "believe", "anticipate", "expect" or similar words) which were based on information available at the time they were made. SPindexInsight.com undertakes no obligation to update publicly or revise any dated, forward-looking, or other statements.

Accuracy of Content

ALTHOUGH SPIndexInsight.com TRIES TO INCLUDE ACCURATE AND TIMELY INFORMATION ON THE SPIndexInsight.com WEBSITES, THERE MAY BE INADVERTENT INACCURACIES AND ERRORS, AND NEITHER SPIndexnsight.com NOR ITS THIRD PARTY CONTENT PROVIDERS WARRANT THE ACCURACY, COMPLETENESS, AVAILABILITY OR TIMELINESS OF THE SPindexInsight.com WEBSITES OR ANY INFORMATION, TEXT, GRAPHICS, LINKS, OR OTHER SPindexInsight.com OR THIRD PARTY CONTENT ON THE SPIndexInsight.com WEBSITES.

SPindexInsight.com MAY CHANGE THE SPIndexInsight.com WEBSITES AND ANY CONTENT THEREON AT ANY TIME WITHOUT NOTICE, BUT SPIndexInsight.com DOES NOT WARRANT THAT ANY DEFECTS OR INACCURACIES WILL BE CORRECTED OR THAT THEY WILL BE CORRECTED IN A TIMELY MANNER.

DISCLAIMER OF WARRANTIES

NEITHER SPIndexInsight.com NOR ITS THIRD PARTY CONTENT PROVIDERS MAKE ANY EXPRESS OR IMPLIED WARRANTIES ABOUT THE SPIndexInsight.com WEBSITES OR THE CONTENT PRESENTED ON THE SPIndexInsight.com WEBSITES, INCLUSIVE OF ANY THIRD PARTY CONTENT, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE SPIndexInsight.com WEBSITES AND ALL CONTENT IS MADE AVAILABLE TO YOU "AS IS" AND "AS AVAILABLE".

SPIndexInsight.com DOES NOT WARRANT THAT THE SPIndexInsight.com WEBSITES WILL BE UNINTERRUPTED, OR SECURE. IF YOU DOWNLOAD ANY MATERIALS FROM THE SPIndexInsight.com WEBSITES, YOU DO SO AT YOUR RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER OR OTHER ELECTRONIC SYSTEM OR LOSS OF DATA OR LOSS OF INVESTMENT FUNDS THAT RESULTS.

EXCEPT TO THE EXTENT OTHERWISE SPECIFICALLY PROVIDED, NEITHER SPIndexInsight.com NOR ITS THIRD PARTY CONTENT PROVIDERS WARRANT THAT THE RESULTS OBTAINED FROM THE USE OF THE SPIndexInsight.com WEBSITES OR THE CONTENT PRESENTED ON THE SPIndexInsight.com WEBSITES, INCLUDING THIRD PARTY CONTENT, WILL BE ACCURATE OR RELIABLE, OR THAT THE SPINDEXINSIGHT.COM WEBSITES OR ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SPIndexInsight.com WEBSITES WILL MEET YOUR NEEDS OR EXPECTATIONS.

IF YOU LIVE IN A STATE THAT DOES NOT ALLOW WARRANTIES TO BE LIMITED OR DISCLAIMED, SOME OR ALL OF THESE PROVISIONS MAY NOT APPLY TO YOU.

LIMITATION OF LIABILITY

NEITHER SPIndexInsight.com NOR ANY THIRD PARTY CONTENT PROVIDER WILL BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES OF ANY KIND, WHETHER CONSEQUENTIAL, INCIDENTAL, SPECIAL, DIRECT, INDIRECT OR OTHERWISE. SPIndexInsight.com AND ITS THIRD PARTY CONTENT PROVIDERS EXPRESSLY DISCLAIM LIABILITY FOR LOST PROFITS, TRADING LOSSES, BUSINESS-RELATED LOSSES, AND/OR ANY DAMAGES THAT RESULT FROM USE OF OR LOSS OF USE OF THE SPIndexInsight.com WEBSITES AND MATERIALS ON THE SPIndexInsight.com WEBSITES (WHETHER PROVIDED BY SPIndexInsight.com OR THIRD PARTIES). THIS DISCLAIMER OF LIABILITY APPLIES EVEN IF SPIndexInsight.com AND/OR ITS THIRD PARTY CONTENT PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.

SPIndexInsight.com WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS RESULTING FROM A CAUSE OVER WHICH SPINDEXINSIGHT.COM DOES NOT HAVE DIRECT CONTROL. THIS INCLUDES FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT OR COMMUNICATIONS LINES (INCLUDING TELEPHONE, CABLE, AND INTERNET), UNAUTHORIZED ACCESS, VIRUSES, THEFT, OPERATOR ERRORS, SEVERE OR EXTRAORDINARY WEATHER (INCLUDING FLOOD, EARTHQUAKE, OR OTHER ACT OF GOD), FIRE, WAR, INSURRECTION, TERRORIST ACT, RIOT, LABOR DISPUTE AND OTHER LABOR PROBLEMS, ACCIDENT, EMERGENCY OR ACTION OF GOVERNMENT.

IF YOU LIVE IN A STATE THAT DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SOME OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU. IF THE LIMITATIONS OF LIABILITIES OR REMEDIES IN THESE TERMS ARE DETERMINED BY A COURT OR ARBITRATION PANEL TO NOT APPLY TO YOU OR TO BE UNENFORCEABLE FOR ANY REASON, THEN YOU EXPRESSLY AGREE THAT THESE PROVISIONS WILL BE CONSTRUED TO APPLY TO THE MAXIMUM EXTENT PERMITTED BY LAW AND THAT UNDER NO CIRCUMSTANCES WILL THE TOTAL, AGGREGATE LIABILITY OF SPIndexInsight.com AND ALL THIRD PARTY CONTENT PROVIDERS FOR ANY CAUSE WHATSOEVER RELATING TO THIS AGREEMENT, THE SPIndexInsight.com WEBSITES, OR ANY SPIndexInsight.com OR THIRD PARTY CONTENT ON THE SPINDEXINSIGHT.COM WEBSITES, EXCEED $100.

Indemnification

As a condition of Your use of the SPIndexInsight.com Websites, You agree to indemnify and hold SPIndexInsight.com and its Third Party Content Providers harmless from and against any and all claims, losses, liability, costs, and expenses (including but not limited to attorneys' fees) arising from Your use or misuse of the SPIndexInsight.com Websites or any SPIndexInsight.com or Third Party Content on the SPIndexInsight.com Websites, or from Your violation of these Terms.

Modification of These Terms

SPIndexInsight.com may modify these Terms at any time without notice to You, except where required by law. The most current version of these Terms can be reviewed by clicking on the "Terms of Use" link located at the bottom of the SPIndexInsight.com Websites. Use of the SPIndexInsight.com Websites shall constitute acceptance by You of the Terms in effect as of current date & time.

Governing law, Choice of Forum, and Class Action Waiver

These Terms and their enforcement are governed by the laws of the Commonwealth of Delaware, without regard to conflicts of law, and shall inure to the benefit of SPIndexInsight.com successors and assigns, whether by merger, consolidation, or otherwise.

Absent SPIndexInsight.com’s express written agreement to another forum, any and all disputes arising from or in any way related to these Terms shall be brought, heard, and determined in the United States District Court for the District of California or, if such court does not have subject matter jurisdiction, the courts of the Commonwealth of California sitting in Santa Clara County. By using the SPIndexInsight.com Websites, You submit to the jurisdiction of such courts in connection with any such claim, suit, action, or proceeding and agree not to, and waive any right to, assert in any such claim, suit, action, or proceeding that (a) You are not personally subject to the jurisdiction of such courts or any other court to which proceedings in such courts may be appealed, (b) such claim, suit, action, or proceeding is brought in an inconvenient forum, or (c) the venue of such claim, suit, action, or proceeding is improper.

ANY PROCEEDINGS TO RESOLVE OR LITIGATE ANY DISPUTE ARISING FROM THESE TERMS AND/OR YOUR USE OF THE SPIndexInsight.com WEBSITES WILL BE CONDUCTED SOLELY ON AN INDIVIDUAL BASIS. NEITHER YOU NOR SPIndexInsight.com WILL BRING SUCH PROCEEDINGS OR SEEK TO HAVE SUCH PROCEEDINGS HEARD AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE ACTION.

Severability

If a court of competent jurisdiction deems any provision of these Terms to be unenforceable or in conflict with applicable laws, rules, or regulations, either present or future, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.