You agree to the terms of service below, and the Terms of Use for Substack, the technology provider.
Terms of Service
Welcome to PennyInsight! These Terms of Service ("Terms") govern your use of the PennyInsight Substack publication (the "Publication"), operated by InsightButter LLC ("we," "us," or "our"). By accessing or using our Publication, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, please do not use our Publication.
1. Content and Purpose
All content published on PennyInsight, including articles, newsletters, comments, and any other materials (collectively, "Content"), is provided for educational purposes only and for general informational use.
The Content is not, and should not be construed as, investment advice, financial advice, or a recommendation to buy, sell, or hold any security or other financial instrument. We do not provide personalized financial planning or investment services. Always consult with a qualified financial professional before making any investment decisions. Reliance on any information provided by PennyInsight is solely at your own risk.
2. Intellectual Property
All content published on the PennyInsight Substack publication is the sole and exclusive intellectual property of InsightButter LLC. This includes, but is not limited to, text, graphics, images, logos, and the overall design and layout of the Publication.
You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the Content without the prior written consent of InsightButter LLC, except as generally permitted by Substack's platform functionalities for personal, non-commercial use (e.g., sharing links to articles).
3. Disclaimers
No Guarantees: We make no guarantees regarding the accuracy, completeness, or timeliness of the Content. Market conditions and information change rapidly, and past performance is not indicative of future results.
"As Is" Basis: The Publication and its Content are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
No Liability: To the fullest extent permitted by law, InsightButter LLC, its members, employees, and affiliates will not be liable for any loss or damage arising from your use of, or inability to use, the Publication or its Content, including any direct, indirect, incidental, consequential, or punitive damages.
4. Third-Party Links
The Publication may contain links to third-party websites or resources. These links are provided for your convenience only. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.
5. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify you of any significant changes by posting the new Terms on this page or through other appropriate communication channels. Your continued use of the Publication after such modifications will constitute your acknowledgment of the modified Terms and agreement to abide and be bound by them.
6. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.
7. Contact Information
If you have any questions about these Terms, please contact us at pennyinsight@insightbutter.com.