Publisher: Zaner Financial Services LLC (“ZFS,” “we,” “us,” “our”).
Publication: Market Context by Karen Braun (the “Newsletter”).
Subscriber: The person or entity accepting these terms (“Subscriber,” “you”).
Effective Date: The date you click “Start Subscription” or otherwise accept these terms online.
By subscribing, you agree to (i) this Subscriber Agreement, (ii) the Website Terms, and (iii) our Privacy Policy (collectively, the “Terms”). If you subscribe on behalf of a company, you represent that you are authorized to bind that company.
1.1 Website Terms Incorporated. The ZFS Website Terms of Use located at https://www.zaneraghedge.com/terms.php (“Website Terms”) are incorporated by reference into this Subscriber Agreement and form part of your contract with us.
1.2 Updates. The Website Terms may be updated periodically and posted at the URL above with a “last updated” date. Your continued access to the Newsletter or the site after an update constitutes acceptance of the updated Website Terms.
1.3 Precedence (ZFS-Protective Interpretation Controls). In the event of any inconsistency or conflict among (i) the Website Terms, (ii) this Subscriber Agreement, and (iii) any other posted policy, the provision or interpretation that affords the greater protection to Zaner Financial Services LLC (“ZFS”)—including, without limitation, broader license restrictions, stronger confidentiality or IP protections, stricter use/redistribution limits, narrower warranties, lower liability caps/exclusions, more favorable billing/renewal/cancellation terms for ZFS, or more ZFS-favorable dispute procedures—shall control to the maximum extent permitted by law (the “ZFS-Protective Interpretation”). If two provisions are equally protective of ZFS, the tie-break order is: Website Terms → this Subscriber Agreement → other policies. Nothing herein limits any non-waivable consumer rights required by applicable law.
1.4 Hierarchy with Policies. Our Privacy Policy and any posted auto-renewal/billing disclosures also apply. In any conflict, the ZFS-Protective Interpretation in §1.3 governs; where protections are equal, Website Terms take precedence.
2.1 Plans. You may choose Monthly or Annual access at the price shown at checkout (the “Fee”). Taxes, if any, are additional.
2.2 Recurring Billing. YOUR SUBSCRIPTION IS A RECURRING CHARGE that automatically renews at the end of each billing cycle (monthly or annually) until canceled. By subscribing, you authorize ZFS (and its payment processor) to charge the payment method on file each renewal period for the then-current Fee, plus applicable taxes.
2.3 Renewal Notices. We will disclose the renewal date and amount at checkout and in the receipt; for annual plans, we will send a reminder before renewal as required by applicable law.
2.4 Price Changes on Renewal. ZFS reserves the right to change the subscription rate upon renewal, with prior notice. Any change will take effect on the next renewal only; you can cancel before the change becomes effective.
2.5 Free Trials / Promotions (if offered). If you start with a trial, you will be charged at the end of the trial unless you cancel before the trial expires. Trial eligibility and length may vary.
2.6 Cancellation; No Pro-Rata on Annual. You can cancel any time via your account portal or by emailing support@zanerfinancial.com (or the address we designate). Cancellations take effect at the end of the current paid term. Annual subscriptions receive no rebate or refund—pro-rated or otherwise—upon cancellation, except where required by law or expressly stated by us.
2.7 Failed Payments. If a payment fails, we may suspend access until payment is successful. You remain responsible for amounts due.
3.1 Limited License. During an active subscription, ZFS grants you a personal, non-exclusive, non-transferable, revocable license to access and use the Newsletter solely for your internal, non-commercial use.
3.2 Strictly Prohibited. You may not (and may not permit others to): share, resell, republish, forward, post, upload, mirror, or distribute the Newsletter (or any charts, text, or data) to non-subscribers; scrape, harvest, mine, or use bots to access content; remove or circumvent access controls or watermarks; create derivative works or use the content to build a competing product or dataset; provide the Newsletter or extracts publicly or to clients, social media, listservs, forums, or redistribution channels.
3.3 Accounts. One subscription = one user. Account sharing is prohibited. Corporate/multi-seat licenses are available upon request.
All rights, title, and interest in and to the Newsletter and the site (including text, charts, graphics, trademarks, and compilation) belong to ZFS and its licensors. Except for the limited license in §3, no rights are granted.
5.1 The Newsletter is general market commentary and education. It is not investment, legal, tax, accounting, or trading advice, does not recommend any security, commodity, derivative, or strategy, and does not consider your objectives, financial situation, or needs.
5.2 You are solely responsible for your decisions and for compliance with all laws, rules, and internal policies. Past performance is not indicative of future results. Markets involve risk of loss.
The Newsletter may reference third-party market data or delayed information. ZFS makes no warranty that any data are accurate, complete, real-time, or suitable for trading decisions. Do not rely solely on the Newsletter for time-sensitive trading.
THE NEWSLETTER AND SITE ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, ZFS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR RELIABILITY. ACCESS MAY BE INTERRUPTED, SUSPENDED, OR MODIFIED AT ANY TIME.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ZFS, ITS AFFILIATES, AND THEIR OWNERS, DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, LOSS OF PROFITS, TRADING LOSSES, LOST DATA, OR BUSINESS INTERRUPTION, ARISING FROM OR RELATED TO THE NEWSLETTER, EVEN IF ADVISED OF THE POSSIBILITY. IN ALL EVENTS, ZFS’S TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE AMOUNT YOU PAID FOR THE SUBSCRIPTION IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY.
You agree to defend, indemnify, and hold harmless ZFS and its affiliates, and their owners, directors, officers, employees, and agents from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use or misuse of the Newsletter or site; (b) your breach of these Terms; or (c) your violation of law or third-party rights.
You agree to contact us first at support@zanerfinancial.com to resolve any billing or access issue and allow us a reasonable opportunity to cure before initiating a card dispute/chargeback. This clause does not waive any non-waivable consumer rights.
We may suspend or terminate your access (with or without notice) for (a) non-payment, (b) suspected misuse, scraping, or redistribution, or (c) legal or compliance reasons. If we terminate without cause, we will refund the unused portion of your current term.
We may modify this Agreement prospectively by posting an updated version and/or notifying you. Material changes to pricing or auto-renewal terms will be provided in advance and take effect on the next renewal. If you disagree, cancel before renewal. Note: The Website Terms may be updated at any time per §1.2 and control in case of conflict under §1.3.
You consent to receive emails and electronic records about your subscription (confirmations, receipts, notices, renewals) and agree that clicking to accept or pay constitutes your electronic signature under ESIGN/UETA.
If you subscribe as a business, you agree to treat the Newsletter as Confidential Information and restrict access to authorized personnel on a need-to-know basis.
We are not liable for delays or failures caused by events beyond our reasonable control (e.g., network/provider outages, cyber incidents, acts of God, regulatory or exchange actions).
These Terms are governed by the laws of the State of Illinois, without regard to conflicts principles. Exclusive venue for any permitted court action is the state and federal courts located in Cook County, Illinois, and you consent to personal jurisdiction there.
17.1 Entire Agreement & Order of Precedence (ZFS-Protective). Together, the Website Terms, this Subscriber Agreement, and our Privacy Policy/other posted policies constitute the entire agreement regarding the Newsletter. In any inconsistency or overlap, the ZFS-Protective Interpretation described in §1.3 governs; if protections are equal, precedence is Website Terms first, then this Subscriber Agreement, then other policies. Each document may be updated prospectively as provided in its text.
17.2 Severability. If any provision is unlawful or unenforceable, the remainder remains in effect; the provision will be enforced to the maximum extent permissible.
17.3 Assignment. You may not assign your subscription or rights without our prior written consent. We may assign to an affiliate or in connection with a reorganization or sale.
17.4 No Waiver. Failure to enforce any provision is not a waiver.
17.5 Headings. For convenience only; no substantive effect.
Zaner Financial Services LLC
150 S Wacker Dr., Ste 2350, Chicago, IL 60606
support@zaner.com | (312) 277-0050