These Terms of Service (“Terms”) form a binding agreement between you and Leocenture Research LLC (“Research,” “we,” “us,” or “our”). By accessing or using the Leocenture services (the “Services”), you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Services.
1. Eligibility and accounts
You must be at least 18 years old and legally able to enter into a contract. You agree to provide accurate information, keep your credentials confidential, and promptly notify us of suspected unauthorized access. You are responsible for activity conducted through your account. Family or household account holders are responsible for authorized users they invite.
2. Educational service; no professional advice
Leocenture provides general educational content, research, market commentary, planning resources, and community features. Nothing in the Services is individualized investment, legal, tax, accounting, insurance, or estate-planning advice, and no fiduciary, advisory, attorney-client, or similar professional relationship is created. We are not a registered investment adviser or broker-dealer. Information may be incomplete, delayed, or incorrect, and past performance does not guarantee future results.
Investing involves risk, including possible loss of principal. You remain solely responsible for your decisions and should consult appropriately licensed professionals who understand your circumstances before acting.
3. Memberships, billing, and cancellation
Paid memberships renew automatically at the interval shown at checkout until cancelled. You authorize our payment processor to charge the payment method on file for applicable fees and taxes. Prices, features, and membership tiers may change prospectively; we will provide notice when required. You can cancel before your next renewal through the available account controls or by contacting us. Unless law requires otherwise, payments are non-refundable and access continues through the paid period.
4. Acceptable use
You may not:
- use the Services unlawfully, fraudulently, or to infringe another person’s rights;
- share account access outside the users permitted by your membership;
- copy, scrape, republish, sell, distribute, or create competing products from our content except as expressly permitted;
- circumvent security or access controls, introduce malicious code, interfere with the Services, or probe systems without written authorization;
- use automated systems to extract data or train models on protected content without our written permission;
- post deceptive, abusive, defamatory, infringing, or otherwise harmful material.
5. Intellectual property
The Services, including their software, design, text, graphics, branding, research, and other content, are owned by Leocenture Research LLC or its licensors and protected by intellectual-property laws. Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Services for your own non-commercial purposes.
6. Your content and feedback
You retain ownership of content you submit. You grant us a worldwide, non-exclusive license to host, process, reproduce, and display that content only as reasonably necessary to operate, secure, and improve the Services. You represent that you have the rights needed to submit it. Feedback may be used without restriction or compensation, provided we do not publicly identify you without permission.
7. Third-party services and links
The Services may rely on or link to third-party platforms, including payment processors. Their terms and privacy practices govern your use of their services. We are not responsible for third-party content, availability, or conduct.
8. Suspension and termination
You may stop using the Services at any time. We may suspend or terminate access when reasonably necessary to address a Terms violation, legal requirement, security risk, nonpayment, or harm to users or the Services. Provisions that by their nature should survive termination will remain in effect.
9. Disclaimers
To the fullest extent permitted by law, the Services are provided “as is” and “as available.” Leocenture Research LLC disclaims all express and implied warranties, including merchantability, fitness for a particular purpose, title, non-infringement, accuracy, and uninterrupted availability. We do not warrant any financial, investment, tax, or other outcome.
10. Limitation of liability
To the fullest extent permitted by law, Leocenture Research LLC and its affiliates, officers, employees, and providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, loss of profits, data, goodwill, or investment value, or damages arising from decisions made using the Services. Our aggregate liability for claims arising from the Services will not exceed the greater of $100 or the amount you paid us during the 12 months before the event giving rise to the claim. Some jurisdictions do not allow certain limitations, so portions of this section may not apply to you.
11. Indemnification
To the extent permitted by law, you agree to defend, indemnify, and hold harmless Leocenture Research LLC and its affiliates, officers, employees, and providers from claims, losses, and expenses arising from your misuse of the Services, your content, or your violation of these Terms or another person’s rights.
12. Governing law and disputes
These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law rules. Before filing a claim, you agree to contact us and attempt to resolve the dispute informally for at least 30 days. Unless applicable law requires otherwise, courts located in Texas will have exclusive jurisdiction over disputes arising from these Terms or the Services.
13. Changes and general terms
We may update these Terms prospectively. Material changes will be communicated as required, and continued use after the effective date constitutes acceptance. If a provision is unenforceable, it will be limited to the minimum extent necessary and the remaining provisions will continue. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with our business. These Terms and referenced policies are the entire agreement concerning the Services.
14. Contact
Questions about these Terms may be sent to leocenture@gmail.com or through our contact page.