Privacy Policy

Terms and Conditions/Privacy Policy/Earnings DisclaimerEffective Date: April 13, 2025

Welcome to Modern Times Investor LLC ("we," "us," or "our"). These Terms and Conditions ("Terms") govern your use of our website, digital products, services, and memberships, including but not limited to investment education courses, stock market resources, community access (e.g., Discord), and newsletters.

By accessing or using our services, you agree to be bound by these Terms. If you do not agree, please do not use our platform.

1. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use our services.

2. Account Registration

Users may be required to create an account. You agree to provide accurate information and to keep it up to date. You are responsible for maintaining the confidentiality of your account credentials.

3. Use of Services

You agree to use our services for lawful purposes only and not to:

Violate any applicable laws

Misuse or attempt to gain unauthorized access to our platform

Disrupt the platform’s integrity or performance

Share your login credentials with others

4. Payment and Billing

All payments for courses, memberships, and products are processed through third-party platforms. By making a purchase, you authorize us or our payment processor to charge your provided payment method.

Subscription services (monthly/yearly) will automatically renew unless canceled before the next billing cycle. You may cancel at any time in your account settings or by contacting support.

5. Intellectual Property

All content on our platform, including videos, guides, images, and branding, is our intellectual property or licensed to us. You may not reproduce, distribute, or create derivative works without our written permission.

6. User-Generated Content

Users may submit content via forums, Discord, or reviews. By submitting content, you grant us a non-exclusive, royalty-free license to use, display, and distribute your content.

You agree not to post unlawful, abusive, defamatory, or infringing content. We reserve the right to remove any content at our discretion.

7. Community Guidelines (Discord and other channels)

We reserve the right to moderate or remove users who violate community standards, including:

Spamming or promoting other products

Sharing inaccurate financial advice

Harassing or disrespecting other members

8. Educational Purpose Only

All content is provided for educational and informational purposes only. We do not provide personalized investment advice, and nothing on our platform should be construed as financial, legal, or tax advice.

9. Limitation of Liability

To the fullest extent permitted by law, our total liability for any claims arising from your use of our platform shall not exceed the greater of $100 or the amount you paid us in the previous 12 months.

We are not responsible for any indirect, incidental, or consequential damages arising out of your use of the platform.

10. Termination

We reserve the right to suspend or terminate your account at any time if you violate these Terms or misuse our platform.

11. Governing Law

These Terms are governed by the laws of the State of [Your State], without regard to conflict of law principles.

12. Dispute Resolution

We will attempt to resolve disputes informally. If unresolved, disputes will be settled through binding arbitration. We will cover arbitration fees deemed excessive by the arbitrator.

13. DMCA Policy

We respect the intellectual property rights of others and comply with the provisions of the Digital Millennium Copyright Act (DMCA). If you believe that any content on our platform infringes upon your copyright, please notify our designated agent in writing with the following information:

A physical or electronic signature of the copyright owner or authorized agent

Identification of the copyrighted work claimed to have been infringed

Identification of the infringing material and its location on our platform

Your contact information (name, address, phone number, email)

A statement that you have a good faith belief the use is not authorized

A statement under penalty of perjury that the information in the notice is accurate and that you are the copyright owner or authorized to act on their behalf

Please send DMCA notices to: [Insert DMCA Agent Email or Address]

We reserve the right to remove content that is alleged to be infringing and to terminate repeat infringers.

14. Changes to These Terms

We may update these Terms from time to time. Users will be notified via email and/or a notice on our website. Continued use of the platform after updates constitutes acceptance of the new terms.

15. Contact Us

If you have any questions about these Terms, please contact us at: [email protected]

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Privacy PolicyEffective Date: April 13, 2025

This Privacy Policy explains how Modern Times Investor LLC ("we," "us," or "our") collects, uses, shares, and protects your personal information when you access our website, use our services, or interact with our content. By using our platform, you agree to the terms of this Privacy Policy.

1. Information We Collect

We may collect the following types of personal information directly from you:

Name

Email address

Mailing address

Phone number

Username and password

Payment and billing information

Contact preferences

Demographic details (optional)

Investment experience level (optional)

We also automatically collect certain information:

IP address

Device type and browser

Pages visited and time spent on site

Referral source and user behavior data

2. How We Use Your Information

We use your personal information to:

Deliver and facilitate the delivery of services to you

Process payments and manage subscriptions

Respond to user inquiries and support requests

Send administrative messages and service updates

Send marketing and promotional communications (with consent)

Personalize and improve your user experience

Monitor and protect against fraud and security risks

Comply with legal obligations

3. Legal Bases for Processing (EU/UK Residents)

For users in the EU or UK, we process personal information based on:

Your consent

Contractual necessity

Our legitimate business interests

Legal obligations

4. Sharing Your Information

We do not sell your personal information. We may share your data with:

Payment processors (e.g., Stripe, PayPal)

Email and communication service providers

Analytics and marketing tools

Legal or regulatory authorities, as required

5. Cookies and Tracking Technologies

We use cookies and similar technologies to:

Analyze usage and improve functionality

Remember user preferences

Deliver targeted advertisements (where applicable)

Users may disable cookies in their browser settings, though some site features may be affected.

6. User Accounts

Users can create an account to access services. You may update or delete your account by contacting us at [Your Support Email].

7. Data Security

We implement reasonable technical and organizational measures to protect your information. However, no system is completely secure, and we cannot guarantee absolute security.

8. Your Rights and Choices

Depending on your location, you may have rights to:

Access and review your personal data

Request correction or deletion

Object to processing

Withdraw consent for marketing

To exercise your rights, contact us at [Your Support Email].

9. Children’s Privacy

Our services are not intended for children under 13, and we do not knowingly collect information from minors.

10. International Users

If you access our platform from outside the United States, your information may be transferred to and processed in the U.S., where data protection laws may differ.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Any updates will be posted on this page with a revised effective date. Continued use of our services constitutes acceptance of the updated policy.

12. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at: [email protected]

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Earnings Disclaimer

All content provided on Modern Times Investor LLC is for educational and informational purposes only. We are not financial advisors, brokers, or licensed investment professionals. Nothing on this platform should be construed as personalized financial advice or a recommendation to buy, sell, or hold any investment.

Stock market investments involve risk, including the risk of loss. Past performance is not indicative of future results. You are solely responsible for your financial decisions and outcomes. We share our own strategies and positions for educational transparency only and are not responsible for any financial gains or losses resulting from actions taken based on our content. The content on this website is provided for general informational purposes only and should not be considered personalized financial advice. Any investment decisions should be made only after consulting with a licensed financial advisor and conducting your own research and due diligence, including reviewing all relevant financial documents such as prospectuses or company filings.

Modern Times Investor LLC

, including its owners, employees, partners, and affiliates (collectively referred to as “the Company”), does not guarantee the accuracy, completeness, or reliability of any information, recommendations, or content presented on this site or in any promotional materials.

The Company is not registered or licensed in any jurisdiction to provide financial or investment advice.

The Company is not affiliated with, nor does it receive compensation from, any specific stock, fund, or security mentioned.

To the fullest extent permitted by law,

Modern Times Investor

LLCdisclaims all liability for any errors, omissions, or outcomes that may arise from using the information provided — including, but not limited to, financial losses.