Terms & Conditions

Last Updated: September 12, 2022

1. Binding Agreement

These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("you," "your," or "user") and Beaver Investment Solutions LLC, doing business as Beaver Investment Solutions ("we," "us," or "our"), governing your access to and use of the website beaver-invest.com and all related services. By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree, you must discontinue use of the website immediately.

2. Eligibility

You must be at least 18 years of age and legally capable of entering into binding agreements to use our website and subscribe to our newsletter. By submitting a subscription request or otherwise using our website, you represent and warrant that you meet these eligibility requirements.

3. Publication Description

Beaver Investment Solutions operates an editorial newsletter platform that delivers curated capital-markets news, market research summaries, and professional insights. Our content is editorial in nature and does not constitute investment, financial, legal, tax, accounting, or other professional advice. We are not a registered investment adviser, broker-dealer, or financial planner, and we do not manage assets or offer advisory services. You are solely responsible for evaluating and acting upon any information provided.

4. Use of the Website

You agree to use this website only for lawful purposes and in a manner that does not infringe upon or restrict the rights of others. You may not use our website to transmit harmful, offensive, or misleading content, or to attempt to gain unauthorized access to our systems or data. We reserve the right to restrict or terminate access for any user who violates these Terms.

5. SMS and Email Communications (TCPA Compliance)

By providing your mobile phone number and submitting a form on our website, you provide your prior express written consent to receive recurring automated marketing and informational messages from Beaver Investment Solutions, including messages sent using an Automatic Telephone Dialing System (ATDS), at the mobile number you provide. This consent applies to SMS text messages and emails related to your newsletter subscription and our publications.

Message frequency varies based on your interaction with our newsletter program. Msg & data rates may apply. Your mobile carrier's standard messaging and data rates apply to all messages sent and received. Consent to receive automated messages is not a condition of any purchase of goods or services.

You may opt out of SMS messages at any time by replying STOP, END, QUIT, or UNSUBSCRIBE to any message you receive from us. You will receive a single confirmation message acknowledging your opt-out request. After that, you will no longer receive SMS messages from our program unless you re-enroll. For help or support, reply HELP to any message, or contact us at [email protected].

6. Carrier Liability

T-Mobile and all other wireless carriers are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission by your mobile carrier. Carriers may impose their own charges, terms, and conditions related to messaging services. Beaver Investment Solutions is not responsible for any fees charged by your carrier in connection with SMS messages.

7. Privacy and Data

Your use of our website is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

8. Intellectual Property

All content on this website and in our newsletter — including text, graphics, images, logos, and software — is the property of Beaver Investment Solutions LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

9. Editorial Disclaimer

Not Professional Advice

Beaver Investment Solutions publishes a capital-markets news and insights newsletter. We are not an investment adviser, broker-dealer, financial planner, or legal counsel. The information provided in our newsletter and on this website is for general informational and educational purposes only and does not constitute investment, financial, business, legal, tax, or any other form of professional advice, and is not an offer or solicitation to buy or sell any security or financial instrument.

No Guaranteed Outcomes

Any trends, data points, or analysis shared in our newsletter reflect publicly available information at the time of publication. Market conditions change, and past performance or past trends do not guarantee future results. All investing involves risk, including the possible loss of principal. You should independently verify any information and consult a qualified professional before making financial decisions based on our content.

Forward-Looking Statements

Our newsletter and website may contain forward-looking statements regarding market conditions or anticipated developments. These statements are based on current information, assumptions, and estimates and are subject to risks, uncertainties, and other factors that could cause actual outcomes to differ materially. We disclaim any obligation to update or revise forward-looking statements.

10. No Warranties / No Guarantees

Our website and newsletter are provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, or statutory. We specifically disclaim all implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our website will be uninterrupted, error-free, or free of harmful components. We make no guarantees regarding the accuracy or completeness of our newsletter content.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Beaver Investment Solutions LLC, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or newsletter, regardless of the theory of liability. Our total aggregate liability for any claim shall not exceed the amount you paid, if any, for access to our content.

12. Indemnification

You agree to indemnify, defend, and hold harmless Beaver Investment Solutions LLC, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to your use of our website or newsletter, your violation of these Terms, or your violation of any rights of another party.

13. Arbitration and Class Action Waiver

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of our website or newsletter shall be resolved through binding individual arbitration administered in accordance with the rules of the American Arbitration Association (AAA). The arbitration shall take place in Duval County, Florida, unless otherwise agreed by the parties. You agree that any arbitration will be conducted on an individual basis and not as a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration against Beaver Investment Solutions LLC.

14. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. To the extent that arbitration is not applicable, any disputes shall be resolved in the state or federal courts located in Duval County, Florida.

15. SMS Terms

The following SMS Terms are incorporated into and form a part of these Terms & Conditions. The complete version is available on our SMS Terms page.

Program Description

By providing your mobile phone number and submitting the subscription form on our website, you expressly consent to receive SMS text messages from Beaver Investment Solutions. These messages may include newsletter delivery notifications, content updates, and related communications pertaining to our capital-markets publication.

Message Frequency and Costs

Message frequency varies depending on your interaction with our newsletter program. Msg & data rates may apply. Beaver Investment Solutions does not charge a separate fee for SMS messages, but your mobile carrier's standard messaging and data rates will apply.

Opt-Out and Help

You may opt out at any time by replying STOP, END, QUIT, or UNSUBSCRIBE. You will receive a single confirmation message. For help, reply HELP or contact us at [email protected].

Supported Carriers and Delivery

Our SMS program is compatible with most major U.S. mobile carriers. T-Mobile and all other wireless carriers are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission by your mobile carrier.

16. Changes to These Terms

We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised "Last updated" date. Your continued use of our website after changes are posted constitutes your acceptance of the revised Terms.

17. Contact and Notices

For questions about these Terms & Conditions, or to send legal notices, please contact us at:

See also: Privacy Policy · Disclaimer · SMS Terms