Terms of Service

Last updated: 1 January 2025

These Terms of Service ("Terms") govern your access to and use of the FiscalSignals website at fiscalsignals.com (the "Platform"), operated by FiscalSignals ("we," "us," or "our"). By accessing or using the Platform, you confirm that you have read, understood, and agree to be bound by these Terms.

1. Nature of the Platform

FiscalSignals is a non-commercial research and education platform. All content published on this Platform — including research findings, data tables, written analysis, and visual materials — is provided for informational and educational purposes only. Nothing on this Platform constitutes financial advice, investment advice, legal advice, or any other form of professional advice.

FiscalSignals does not offer paid services of any kind. If you encounter a website or communication claiming to offer paid research services on behalf of FiscalSignals, please contact us immediately at info@fiscalsignals.com.

2. Acceptable Use

You may access and use the Platform for lawful, personal, non-commercial purposes. You agree not to:

• Use the Platform for any unlawful purpose or in violation of any applicable laws or regulations
• Attempt to gain unauthorized access to any part of the Platform or its underlying systems
• Transmit any harmful, offensive, or disruptive content through our contact form or any other means
• Use automated means (including bots, scrapers, or crawlers) to access or harvest content from the Platform in bulk without our prior written consent
• Reproduce, distribute, or commercially exploit content from the Platform without attribution and in violation of our intellectual property rights
• Misrepresent your identity or affiliation when contacting us

3. Intellectual Property

All content on the Platform, including but not limited to text, research reports, data visualizations, graphics, and design elements, is the intellectual property of FiscalSignals or is used with permission, and is protected by applicable copyright laws.

You are permitted to share, quote, or reference content from the Platform for non-commercial educational or journalistic purposes, provided you credit FiscalSignals and include a link to the relevant page. For academic use, please contact us to discuss appropriate citation and data sharing arrangements.

4. Disclaimer of Warranties

The Platform and all content it contains are provided on an "as is" and "as available" basis, without warranty of any kind. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Platform will be uninterrupted, error-free, or free of viruses or other harmful components. Research findings published on the Platform represent the output of our methodology at the time of publication and may not reflect the most current data.

5. No Financial or Professional Advice

The information published on this Platform is strictly for research and educational purposes. It does not constitute financial, investment, tax, legal, or any other form of professional advice. You should not make any financial decision based solely on information from this Platform. We strongly recommend consulting qualified professionals before making any financial decisions.

6. Limitation of Liability

To the maximum extent permitted by applicable law, FiscalSignals shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising from your use of or inability to use the Platform or its content, even if we have been advised of the possibility of such damages.

7. Third-Party Links and Content

The Platform may contain links to external websites or reference third-party sources. These links are provided for convenience and informational purposes only. We have no control over, and accept no responsibility for, the content, privacy practices, or availability of any third-party websites.

8. Changes to These Terms

We reserve the right to modify these Terms at any time. Material changes will be indicated by updating the "Last updated" date at the top of this page. Your continued use of the Platform after any changes constitutes your acceptance of the updated Terms.

9. Governing Law

These Terms shall be governed by and construed in accordance with applicable law. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts in the jurisdiction in which FiscalSignals is registered.

10. Contact

If you have questions about these Terms, please contact us at info@fiscalsignals.com.