Terms of Use

Updated: JANUARY 2024

 THESE TERMS OF USE, AS AMENDED FROM TIME TO TIME (THIS

“AGREEMENT”), SET FORTH THE TERMS OF YOUR USE OF THE “SERVICES”

(DEFINED BELOW) OF HX RESEARCH (“HX,” “WE,” “US,” AND/OR “OUR”). THIS IS

A BINDING CONTRACT BETWEEN “YOU”, AS A “USER” OF THE SERVICES (“YOU,”

“YOUR,” AND/OR “USER”) AND HX RESEARCH, THE PROVIDER OF THE

SERVICES. THIS AGREEMENT INCORPORATES BY REFERENCE ANY OTHER

RULES OR GUIDELINES POSTED REGARDING OUR SERVICES (EACH, AN

“ANNEX”), AS MAY BE AMENDED BY US FROM TIME TO TIME.

 IF YOU ACCESS, PURCHASE AND/OR USE OF ANY OF THE SERVICES, YOU

AGREE TO BE BOUND BY AND TO COMPLY WITH THIS AGREEMENT. IF YOU DO

NOT AGREE TO THIS AGREEMENT, YOU MUST NOT ACCESS OR USE ANY OF

THE SERVICES AND MUST IMMEDIATELY CEASE ALL USE OF THE SERVICES.

 SOME OF THE SERVICES ARE DELIVERED ELECTRONICALLY, AND MAY

INCLUDE ELECTRONIC TRANSACTIONS. BY ACCESSING AND/OR USING THE

SERVICES, YOU AGREE THAT YOU WILL BE BOUND BY ANY ELECTRONIC

SUBMISSIONS,

COMMUNICATIONS OR TRANSACTIONS MADE USING YOUR “CREDENTIALS”

(DEFINED BELOW), INCLUDING YOUR ACCEPTANCE OF THIS AGREEMENT, AND

YOU CONSENT TO RECEIVE ELECTRONIC COMMUNICATIONS FROM US,

INCLUDING, BUT NOT LIMITED TO, NOTICES OF CANCELLATION AND

RENEWALS, POLICIES, CONTRACTS AND APPLICATIONS.

 

OUR PRIVACY POLICY [ADD HYPERLINK] AND ITS TERMS AND PROVISIONS ARE

INCORPORATED INTO THIS AGREEMENT AND DESCRIBE OUR COLLECTION

AND USE OF PERSONAL INFORMATION IN CONNECTION WITH YOUR

ACCESSING AND USING OUR SERVICES OR PLATFORMS (AS DEFINED BELOW).

OUR PRIVACY POLICY IS AVAILABLE AT [INCLUDE WEB ADDRESS].

1. CHANGES TO THIS AGREEMENT

We reserve the right, in our sole discretion, to change, modify and/or revise this

Agreement (including any Annex) at any time. Any such changes are effective

immediately upon our posting of the amended Agreement (with its updated date) or

other notice to you. You agree that your continued access or use of the Services

following such posting constitutes acceptance of the Agreement as amended. Note that

when we add to or modify a “Premium Service” (defined below), we may modify this

Agreement with respect to such Premium Service. If you have the Agreement cached

on a browser, the applicable Agreement is the most recent version of the Agreement

that appears on a non-cached browser. You should review the Agreement on our

“Platforms” (defined below) frequently.

 

2. THE SERVICES

 

The Services include our written and digital publications and materials, websites

(including, but not limited to, www.hxrsearch.nethttps://daily.hxresearch.net/,

https://income.hxresearch.net/) and our mobile applications, social media accounts

(including but not limited to Instagram, Twitter, Linkedin, TikTok, YouTube, SnapChat,

Facebook and Threads) and all other online and other platforms (collectively,

the “Platforms”), and all “Content” (defined below) displayed on or delivered through

the Platforms, and memberships (collectively, the “Services”). “Content” means all

data, information, research, e-letters, newsletters, digests, articles and blogs, news

aggregate services, emails, images, graphs, videos, podcasts, webinars, conferences,

books, audio (including, but not limited to, access to conference calls), software,

analytic tools, and any visual, audio or digital content that we make available on or

through a Platform. The Services include certain Services provided free of charge

(“Free Services”) as well as Services for which you must pay a one-time fee,

subscription fee, maintenance fee or other fee in order to have access, including, but

not limited to, our premium Content and memberships (collectively “Premium

Services”). The terms of this Agreement apply to both Free Services and, where

expressly indicated below, to the applicable Premium Services. For the avoidance of

doubt, this Agreement applies to Services that we make available on or through a

Platform that may be accessed by a User to whom we have issued Credentials (defined

below), as well as those Services made available by email, on or through Platforms that

do not require Credentials, or through other processes, mediums or channels.

This Agreement applies to all Services, whether purchased or used separately or as

part of a membership package or any solution or bundled package of Services. If you

purchase or use Services that are sold or otherwise provided together as a solution or

bundled package (as opposed to your purchasing or using Services separately),

termination of any part of the Services will result in the termination of all Services

provided as part of the solution or bundled package. See Section 12 for additional

details on this subject.

3. DISCLAIMERS CONCERNING THE CONTENT WE PROVIDE

You acknowledge and agree to the following:

·       HX Research is a publisher of financial information, not an investment

advisor. We rely upon the “publisher’s exclusion” from the definition of investment

advisor under Section 202(a)(11)(D) of the Investment Advisors Act of 1940 and

corresponding state securities laws. We also rely on the exemption from registration

under Section 34 of the Securities Act (Ontario) and its equivalents in other Canadian

jurisdictions. We do not provide personalized or individualized investment advice or

advice that is tailored to the needs of any particular recipient. Any information provided

as part of the Services is impersonal and not specific to any person’s investment needs.

You acknowledge and agree that no Content published or otherwise provided as part of

any Service constitutes a personalized recommendation or advice regarding the

suitability of, or advisability of investing in, purchasing or selling any particular

investment, security, portfolio, commodity, transaction or investment strategy. To the

extent that any of the Content may be deemed to be investment advice or

recommendations in connection with a particular security, such information is

impersonal and not tailored to the investment needs of any specific person;

·       No statement or expression of opinion, or any other matter herein, directly or

indirectly, is an offer or the solicitation of an offer to buy or sell the securities or financial

instruments mentioned. While we believe the sources of information to be reliable, we in

no way represent or guarantee the accuracy of the statements made herein. HX

Research Corporation does not provide individual investment counseling, act as an

advisor, or individually advocate the purchase or sale of any security or investment. You

assume the entire cost and risk of any investing or trading you choose to undertake.

You are solely responsible for making your own investment decisions;

·       HX Research Corporation is NOT a registered investment advisor or dealer.

Users should not view the Services as offering personalized legal or investment

counseling. Investments discussed in the Services should only be made/considered

after consulting with your investment advisor and only after reviewing the prospectus,

other offering materials or financial statements of the issuer in question;

·       The Content provided on our Platforms through the Services are not to be

regarded as investment advice, but are for general informational purposes only.

Investing involves risk, so caution must always be utilized. We cannot guarantee profits

or freedom from loss. You assume the entire cost and risk of any investing or trading

you may choose to undertake. You are solely responsible for making your own

investment decisions. HX Research Corporation, and its representatives, personnel,

principals, moderators, members, editorial staff, employees or independent contractors

(collectively, “Our Representatives”), ARE NOT registered as securities broker

dealers or investment advisors either with the U.S. Securities and Exchange

Commission or with any securities regulatory authority in Canada or otherwise;

·       None of Our Representatives will provide you with personalized advice regarding

the value or suitability of, or advisability of investing in, purchasing or selling, any

particular investment, security, portfolio, commodity, transaction, investment strategy or

any other matter, and you further agree not to request or contact us for such advice;

·       From time to time the Services provide the opinion and commentary of Our

Representatives, as well as well as opinion and commentary of third parties that are not

controlled by HX Research, including, but not limited to, interviewees, guests, analysts

and other third-party Content providers (collectively, “Outside Contributors”), as well

as opinions and commentary provided in the products and services of our affiliates. The

Services may contain opinions and commentary with regard to investments that may

differ from opinions and commentary provided by and in other Services, Outside

Contributors and/or our affiliates. The Services and/or Content are not to be used or

construed as a recommendation or offer to buy or sell, or a solicitation of an offer to buy

or sell, any security, company, financial product or instrument, or to participate in any

particular investment strategy, by any of the “HX Research Entities” (defined below) or

any third party. The Services and all Content are for informational purposes only and

are not intended to provide you with tax, legal, investment or accounting advice. None

of HX Research Entities shall be liable for any investment decisions based upon or

results obtained from the Services and/or Content. Trading in investments involves risk

and volatility, and any of the investments discussed in the Services may lose their value

after purchase. Past investment results are not necessarily indicative of future

performance;

·       Although we have certain trading restrictions for Our Representatives relating to

investments or securities that are recommended in the Services, from time to time, one

or more Outside Contributors or their affiliates may have a position in the investment or

securities written about in the Services. In cases where the position is held at the time of

publication, Outside Contributors may make a related disclosure; however, HX

Research has no duty or obligation to investigate or determine whether Outside

Contributors or their affiliates hold a position in an investment or security written about

in the Services or to ensure that Outside Contributors make any such disclosure. In

addition, Outside Contributors may be subject to certain restrictions on trading for their

own account. In addition, certain of Our Representatives and other persons from our

affiliates may, from time to time, have positions in, or buy or sell, the investments,

securities or derivatives thereof that are referenced in the Content and may take

positions inconsistent with the views expressed therein;

·       Where Services and/or Content provided by HX Research consists of pricing or

performance data, such data has been obtained from third-party sources reasonably

believed to be reliable. However, the accuracy, completeness or timeliness of any such

data or data calculations that are provided by a “Third Party Provider” (defined below)

are not guaranteed by such “Third-Party Providers” or by HX Research, or any other

third party. You acknowledge and agree that we do not have control over the quality,

accuracy, completeness, veracity or legality of any portion of our Content that is

provided by Third-Party Providers or Outside Contributors;

·       From time to time, reference may be made in our marketing materials to prior

articles and opinions we have published. These references may be selective, may

reference only a portion of an article or recommendation, and may not be current. As

markets change continuously, previously published information and data may not be

current and should not be relied upon;

·       When U.S., Canada, international, cryptocurrency and/or other similar exchanges

are open, any quotes that we may provide through our Platforms are delayed (other

than those obtained through any real-time quote services we make available to users of

certain Services). When such exchanges are not open, quotes are only current as of the

close of the last day of trading. You acknowledge and agree that neither HX Research

nor any Third-Party Provider of these quotes or related data shall be liable to you or any

third party for any damage or loss resulting from your reliance or trading on the quotes,

information or data contained or referenced in the Content or Services;

·       To the extent any of the Services involve a model portfolio of investments, such

portfolio provides investment ideas and/or provides information regarding investments,

and is chosen by Our Representatives or Outside Contributors in accordance with our

or their stated investment strategy and is for informational purposes only. Your actual

results may differ from results reported for the portfolio for many reasons, including, but

not limited to, trading commissions or pricing differences due to timing of a purchase or

sale of an investment in the portfolio; and

·       The information, research and opinions and other Content that HX Research

provides as part of the Services are obtained or derived from sources believed to be

reliable, but we cannot guarantee their accuracy and completeness nor the opinions

based thereon. You should not rely solely upon such information, research and opinions

for purposes of transacting securities or other investments, and you are encouraged to

conduct your own research and due diligence, and to seek the advice of a qualified

investment professional before you make any investment. None of the information

provided as part of our Services constitutes, or is intended to constitute, a

recommendation by us of any particular security or other investment or trading strategy

or a determination by us that any security or other investment or trading strategy is

suitable for any specific person. Investing in securities or other investments, including

those chosen in any of HX Research’s model portfolio products or in any of the other

Services, is speculative in nature and involves substantial risk of loss of the money

invested.

4. CONTENT

We reserve the right to change, modify or discontinue any Content or any portion or

feature of the Services. Such changes may include, but are not limited to, adding or

removing particular Outside Contributors or Our Representatives, ceasing to provide

access to a Service (and/or providing an alternative Service to you as a replacement),

or changing the terms of engagement for a Service. We may make these changes or

modifications at our sole discretion, either temporarily or permanently, at any time or

from time to time, with or without notice to you. You agree that HX Research shall not be

liable to you or any third party for any such change or modification of the Content and/or

Services and that your continued access or use of the changed or modified Content

and/or Services, and/or continued access to the changed or modified Content and/or

Services, constitutes your acceptance of any such changes or modifications to such

Content and/or Services.

Certain Content or features of the Services that we provide or make available to you

may be subject to, in addition to the terms and conditions set out in this Agreement,

their own specific terms and conditions that you agree to when you sign up for, or use,

that particular product, Content, function, or service (“Specific Terms of Service”).

Specific Terms of Services may be described in an Annex to this Agreement and/or may

be provided to you through the Services at the time you elect to sign up for, or use, that

particular Service. Each Specific Terms of Service supplements and is made part of this

Agreement, but if any term of this Agreement expressly conflicts with any term of a

Specific Terms of Service, the conflicting term in the Specific Terms of Service will

control but only with respect to the applicable Service. All other terms and conditions in

both this Agreement and the Specific Terms of Service will remain in force.

5. LICENSE; USER REPRESENTATIONS AND WARRANTIES

A. LICENSE TO USE THE SERVICES

HX Research grants to you a limited, revocable, non-exclusive, non-sublicensable and

non-transferable license to access and use the Services, and to use the Content

provided within each Service, in each case solely to the extent expressly permitted

hereunder and solely for your own personal, non-commercial purposes. Your right to

use the Content is limited to downloading and/or printing one (1) copy of any Content for

your own personal, non-commercial use. If you download or print a copy of the Content

for personal use, you must retain (and must not remove, delete, efface, alter, obscure or

otherwise change) any and all copyright, trademark, patent and other proprietary

symbols, notices, mark or contained therein or relating therewith. You shall not, nor

permit any other third party to, use, copy, disclose, share or redistribute any Content

that you access, use or that we otherwise make available to you through the Services or

any applicable Platform for any purpose other than as set out in this Section 5(A), and,

for certainty, under no circumstances may you rent, lease, lend, sell, sublicense, assign,

distribute, publish, transfer or otherwise make available the Content and/or the Services

to a third party, including in connection with or through the internet, or otherwise on a

time-sharing, service bureau, software as a service or cloud basis, You acknowledge

that you do not acquire any ownership rights by accessing or using the Services or

Content. or provide access to any Service, or copy, disclose, share or redistribute any

such Content to any third party for any other use. HX Research reserves all rights not

expressly granted in and to the Services and/or the Content.

B. USER REPRESENTATIONS & WARRANTIES AND USE RESTRICTIONS

In consideration of your use of the Services and/or the Platforms, you hereby represent,

warrant and covenant to us as follows (whereby you agree that your failure to perform

these responsibilities shall be deemed a material breach of this Agreement):

·       You can form legally binding contracts under applicable law and are not a person

barred from receiving the Services under the laws of the United States, Canada or other

applicable jurisdictions;

·       You are at least eighteen (18) years old or the age of majority in the jurisdiction in

which you reside so that you can form a binding contract with HX Research, and are

responsible for supervising the activities of any under-age User;

·       To your knowledge, there is no action, proceeding or investigation pending or

threatened which questions, directly or indirectly, the validity or enforceability of this

Agreement;

·       Entering into this Agreement or otherwise purchasing, using or accessing the

Content or Services will not conflict with, or result in a breach of, the terms, conditions

or provisions of, or constitute a default or result in a termination of, any agreement or

instrument to which you are a party;

·       You have taken all actions required by applicable law and have obtained all

consents which are necessary to authorize or enable you to enter into this Agreement

and/or purchase, use or access the Services;

·       You will provide/maintain your User Account with current, accurate and updated

information for registration purposes and for our use in contacting you regarding the

Services and otherwise for notices and/or updates from us, and you will check such

points of contact frequently throughout the term of this Agreement for notices and/or

updates from us;

·       You shall not use the Content and/or Services in any manner that either directly or

indirectly infringes, misappropriates or violates any rights of HX Research or any third

party;

·       Your access and use of the Content and/or Services will in all respects conform to

all applicable laws, rules and regulations and you accept sole and absolute liability for

harm caused by the wrongful use of the Services;

·       You agree not to engage in any of the following prohibited activities: (A) copying,

republishing, re-purposing distributing or disclosing any part of the Services and/or

Content, in any medium, including, but not limited to, by any automated or non-

automated “scraping”; (B) using any automated system, including, but not limited to,

“robots,” “spiders,” “offline readers,” etc., to access the Services in a manner that sends

more request messages to the HX Research servers than a human can reasonably

produce in the same period of time by using a conventional online web browser (except

that HX Research grants the operators of public search engines revocable permission

to use spiders to copy materials from the Platform for the sole purpose of, and solely to

the extent necessary for, creating publicly available searchable indices of the materials,

but not caches or archives of such materials); (C) transmitting spam, chain letters or

other unsolicited communications; (D) attempting to interfere with, compromise the

system integrity or security of, or decipher any transmissions to or from, the servers

running the Services; (E) taking any action against condition(s) that imposes or may

impose an unreasonable or disproportionately large load on our infrastructure based on

our sole discretion; (F) uploading invalid data, viruses, worms or other software agents

through the Services; (G) collecting or harvesting any User’s personal information from

the Services; (H) using the Services for any commercial solicitation purposes; (I)

impersonating another person or otherwise misrepresenting your affiliation with a

person or entity, conducting fraud, hiding or attempting to hide your identity; (J)

interfering with the proper working of the Services; (K) restricting or inhibiting any other

User from using the Services, including, but not limited to, by means of “hacking” or

blocking access to any portion of our Platform; (L) accessing any Content on the

Services through any technology or means other than those provided or authorized by

the Services; (M) bypassing the measures we may use to prevent or restrict access to

the Services, including, but not limited to, features that prevent or restrict use or copying

of any Content or enforce limitations on use of the Services or the Content therein; (N)

disclosing or sharing Credentials; (O) modifying, adapting, sublicensing, translating,

selling, reverse engineering, decompiling or disassembling any parts of the Services;

(P) framing or linking to any information or Content on the Services; (Q) posting or

submitting any inaccurate, incomplete or false biographical information or another

person’s information; or (R) posting or submitting any material that is unlawful, illegal,

defamatory, offensive, discriminatory, threatening or obscene as determined by HX

Research in its sole discretion;

·       You are solely responsible for all statements made and acts or omissions that

occur on your User Account;

·       A maximum of ONE log-in is allowed per User Account. This simultaneous login

limit applies to the total number of concurrent logins at any given time regardless of

device type (g., computers, tablets, mobile devices, etc.); and

·       You agree that you are solely responsible for contacting us, consistent with and

pursuant to the terms of this Agreement, with notice of your decision to cancel or

discontinue the Services. IF NO SUCH NOTIFICATION IS GIVEN TO US BY YOU, WE

WILL ASSUME YOU ARE SATISFIED WITH AND ACCEPT ALL SERVICES, AND WE

WILL BILL ANY RELATED SERVICE FEES DIRECTLY TO YOUR “PAYMENT

ACCOUNT” (DEFINED BELOW).

We may permanently or temporarily limit, condition, terminate or suspend your access

to the Services or any features thereof for any reason, with or without notice and without

any liability to you or any third party, including if in our sole determination you breach or

violate any provision of this Agreement, commit fraud or other abuse in your use of the

Services, if we believe that such suspension or termination is necessary for the security

of the Services, Content or any “User Data” (defined below), or for no reason or for any

other reason whatsoever.

You are solely responsible for your interactions, if any, with other Users. We reserve the

right, but have no obligation, to monitor communications and disputes between you and

other Users on our Platforms. HX Research shall have no responsibilities or obligations

with respect of, nor any liability for, your interactions with other Users, or for your or any

other User’s action or inaction. HX Research shall have no obligation to enforce this

Agreement against any other User for you or on your behalf.

You shall be responsible for obtaining the requisite communication lines and internet

connections to interface with the Services and you shall bear all risks of failing to make

concurrent modifications to your devices and equipment.

You expressly waive any and all rights against HX Research and hold us harmless in

connection with any claims relating to any action taken by us as part of our investigation

or remediation of a suspected violation or result of our conclusion that a violation of this

Agreement has occurred, including, but not limited to, the suspension or termination of

your User Account.

6. REGISTRATION AND PRIVACY

A. REGISTRATION; CONFIDENTIALITY

In order to access certain Services, you must apply and register for an account for the

Service via our website hxresearch.net and/or Beehiiv Inc. (our third party host) (“User

Account”). When you register for a User Account via our website hxresearch.net

and/or Beehiiv Inc. (our third party host), you will be issued a user ID, associated

password, or other login credentials (“Credentials”), which will be assigned specifically

to you. HX Research, in its sole discretion, may deny User Account registration to you

for no reason or any other reason whatsoever.

Unless otherwise provided in this Agreement, you may only activate one (1) User

Account. HX Research may rely on the accuracy of such information provided by you in

your User Account and on any activity on the Service conducted through the use of

Credentials.

You are solely responsible for maintaining strict confidentiality of your Credentials and

ensuring that Credentials are used only by you and not used by or disclosed to any third

party. All Users must keep their User Account passwords secure and we encourage you

to use “strong” passwords (passwords that use a combination of upper and lowercase

letters, numbers and symbols). You must immediately notify HX Research in

accordance with Section 16(J) when you become aware of any possible or suspected

unauthorized use of your User Account, or any possible breach of security, including

loss, theft or unauthorized disclosure of your Credentials. Upon receipt of the foregoing

notice, HX Research may, in our sole discretion, undertake commercially reasonable

efforts to suspend or disable the applicable Credentials and you shall be responsible for

any actions taken prior to such notification. You are solely responsible for all activities

that occur under your User Account whether by you or any other person. You agree that

in no event shall HX Research be responsible for any losses directly or indirectly

caused by the unauthorized use or misuse of your User Account or Credentials. You are

not permitted to transfer to or re-sell your use of or access to the Services or Content to

any third party.

B. PRIVACY

As indicated above, our Privacy Policy [add hyperlink] and its terms and provisions are

incorporated into this Agreement and describe our collection and use of Personal

Information in connection with your accessing and using our Services or Platforms. Our

Privacy Policy is available at xxx

7. TERMS APPLICABLE TO PREMIUM SERVICES

THE FOLLOWING PROVISIONS APPLY ONLY TO PREMIUM SERVICES. YOU

SHOULD READ THIS AGREEMENT CLOSELY BEFORE YOU SUBSCRIBE TO A

PREMIUM SERVICE.

A. SUBSCRIPTIONS, FEES AND PAYMENTS

Premium Services are made available on a subscription basis. As consideration for the

Premium Services you purchase you agree to promptly pay HX Research (through our

third party payment processor Stripe) all applicable prices and fees (collectively,

the “Fees”) as designated in the related order process, with such Fees subject to

change as provided in this Agreement. All Fees are due and payable by you

immediately or upon ordering and are non-refundable, except as otherwise expressly

provided in this Agreement, as required by applicable law, or as such Fees are billed by

us under an invoice or order confirmation for Premium Services issued to you that

expressly permits payment within thirty (30) days (or such other time period expressly

set out in such invoice or order confirmation) after we have sent you such invoice or

order confirmation.

We reserve the right, in our sole discretion, to change or modify the Fees, charges or

other conditions related to your access or use of the Premium Services upon

reasonable advance notice to you. You are responsible for the payment of, and

accordingly agree to promptly pay, all applicable taxes to the Services or payments

made by you hereunder including, but not limited to, sales tax, use tax, value added tax

(“VAT”), and other taxes and governmental charges, whether federal, state, provincial,

municipal or foreign as well as all other duties, levies and charges in relation to your

purchase of Premium Services. All payments of Fees shall be made in United States

dollars. Taxes will be calculated based on where you receive services determined by

your User Account address. All taxes charged will be reflected in your invoice upon

payment.

Our transaction processing, as administered by Stripe (our third party payment

processor), is supported only in United States dollars and the pricing displayed during

the checkout process will be an estimated conversion price at the time of purchase. If

the currency of your bank or credit card account is not in United States dollars, you may

be charged exchange rate conversion fees by your bank or credit card company. In

addition, due to time differences between (i) the time you complete the checkout

process; (ii) the time the transaction is processed; and (iii) the time the transaction posts

to your bank or credit card, the conversion rates may fluctuate and we make no

representations or warranties that (a) the amount submitted to your bank or credit card

for payment will be the same amount that is posted to your bank or credit card

statement or (b) the estimated conversion price will be the same as either the amount

processed or the amount posted to your bank or credit card statement, and you agree to

waive any and all claims against HX Research based upon such discrepancies

(including any and all claims for a refund based on the foregoing). You acknowledge

and agree that you may be charged VAT based on the country indicated in the User

Account’s address information associated with your account.

Unless otherwise stipulated in the related order process, payment for the Premium

Services are to be made via a charge to your credit card, bank account, or other

payment methods we deem acceptable that you provide to us (the “Payment

Account”). You are solely and absolutely responsible for any information related to the

Payment Account that you provide to HX Research (including to Beehiiv Inc. (our third

party host) and Stripe (our third party payment processor)), and must promptly inform us

of any changes or updates to the method of payment. By submitting an order to

purchase a Premium Service, you authorize us (including to Beehiiv Inc. (our third party

host) and Stripe (our third party payment processor)), to charge the order to the

Payment Account or to otherwise immediately bill you for such Premium Services. You

acknowledge and agree that unless otherwise expressly stated in the order process or

otherwise changed afterwards in accordance with the applicable process, all annual,

monthly or other recurring Fees related to the Premium Services or otherwise

referenced in this Agreement are to be recurring transactions that will be billed on an

ongoing basis until such Premium Services are terminated in accordance with this

Agreement. If you have provided billing information sufficient for automatic billing, then

we will bill you automatically in accordance with the applicable billing frequency. You are

obligated to pay for the full amount of the Agreement, even if such full amount is

scheduled to be paid in installments. If you elect to pay for the Premium Services in

installments, provided such a payment schedule is expressly permitted and accepted by

us, all installments must be received on or before the applicable due date.

You agree to pay all Fees and other charges incurred in connection with your Payment

Account (including, but not limited to, any applicable taxes) at the rates in effect when

the charges were incurred. You agree to pay all amounts due upon our demand.

Without limiting any of HX Research’s rights hereunder, should any Fee payment

become delinquent, we may suspend or cancel your Services; provided, however,

related charges will continue to accrue. You acknowledge and agree that HX Research

is not responsible whatsoever for any effect the suspension of Services might have on

you or any third party. If HX Research provides any Service discount to you and you

default on payments or obligations as outlined herein, HX Research may rescind all

discounts and require full payment for the Services. All sums due and payable that

remain unpaid after any applicable cure period herein will accrue interest as a late

charge of 1.5% per month or the maximum amount allowed by applicable law,

whichever is less. HX Research further reserves the right to refer any amounts owed

hereunder to a third party for collection in the event of default. In the event your account

is sent to collection, you agree to pay all costs of collection, including costs, litigation

and attorneys’ fees. A collection fee may be charged for all dishonored checks.

Moreover, an additional fee may also be assessed for the following reasons: (i) late

payment; (ii) payment with insufficient funds; (iii) denied or invalid credit card number; or

(iv) the re-starting or reinstating of Services terminated for nonpayment. HX Research

will re-start or reinstate any such Service in our sole and absolute discretion and subject

to our receipt of the applicable Fee.

If you pay for the Services by credit card or other applicable method, you permanently

and irrevocably waive any and all right to enact an improper “chargeback” (that is, a

disputed, reversed or contested charge with the applicable bank card, credit card or

other payment method) against these Fee payments for any reason whatsoever against

HX Research. If for any reason HX Research is unable to charge your Payment

Account for the full amount of the Fee owed for the Services provided, or if we receive

notification of an improper chargeback, reversal, payment dispute or are charged a

penalty for any Fee previously charged to your Payment Account, you agree that we

may pursue all available lawful remedies in order to obtain payment, including, but not

limited to, immediate cancellation, without notice to you, of any or all of your Services.

We (including to Beehiiv Inc. (our third party host) and Stripe (our third party payment

processor)), also reserve the right to charge you reasonable “administrative fees” or

“processing fees” for (i) additional tasks we may perform outside the normal scope of

the Services; (ii) additional time and/or costs we may incur in providing the Services,

and/or (iii) your noncompliance with this Agreement (as determined by us in our sole

and absolute discretion). Typical administrative or processing fee scenarios include, but

are not limited to: (i) customer service issues that require additional personal time or

attention; (ii) recouping any and all costs and fees incurred by HX Research as the

result of improper chargebacks or other payment disputes brought by you, your bank or

other payment method processor. These administrative fees or processing fees will be

billed to the Payment Account.

Information regarding current subscription rates for our Premium Services can be

found HERE or by contacting us at [email protected] 

YOU UNDERSTAND AND AGREE THAT ALL FEES ARE NONREFUNDABLE AND

THAT HX RESEARCH MAY CHANGE ANY PRICE, FEE, RATE OR PLAN AT ANY

TIME UPON NOTICE TO CUSTOMER IN ACCORDANCE WITH THIS AGREEMENT.

B. TERM; SUBSCRIPTION RENEWALS

Your subscription will continue for the period referenced during registration (the

“Term”), and renew automatically at the end of the Term, unless you notify us that

you are not renewing your subscription by contacting us

at [email protected] or by another designated cancellation method. You must

notify us by using one of the foregoing methods at least 5 days before the

renewal date in order to avoid being charged for the renewal of your subscription.

You may not notify us of a decision not to renew your subscription by any other

means. No action by you or your failure to notify us as stated above will result in the

then-applicable monthly, periodic or annual subscription Fee being billed automatically

to your Payment Account. Please note that in connection with recurring billing for

subscription renewals for such Premium Services, you authorize HX Research to bill the

payment method(s) associated with your Payment Account, regardless of whether

information associated with your subscription has changed, such as the expiration date

of the credit card with which you initially subscribed.

Services to which you subscribe to on a recurring basis will automatically renew on a

recurring basis until the Agreement is properly terminated in accordance with its terms.

You agree that if you are enrolled in or otherwise utilizing our automatic renewal service,

your applicable Services will renew upon the expiration of the then current Term, unless

you notify us that you are not renewing your subscription or have otherwise turned off

the automatic renewal service no less than ninety (90) days prior to the expiration of the

then current Term. You further agree that, to turn off the automatic renewal service for

any of your Services, you must contact [email protected] or through your User

Account associated with the applicable Services. You acknowledge and agree that the

renewal price may be higher or lower than the price you paid for the then current term of

the Services, and that we are authorized to charge your Payment Account for the

renewal of the Services. In any event, you are solely and absolutely responsible for the

credit card or payment information you provide to HX Research (through our third party

payment processor, Stripe) and must promptly inform us of any changes (through

Stripe) thereto (e.g., change of expiration date or account number). HX does not receive

or store credit card information. All payments are done through our third party payment

processor Stripe. You acknowledge and agree that HX Research may extend the

expiration date on your credit card on file with us in order to protect against unwanted

expiration of your Services and to allow for the automatic renewal thereof.

In the event that you are not enrolled in our automatic renewal service, or have opted

out of the automatic renewal service, and want to renew your Services, you

acknowledge and agree you are responsible for actively renewing your Services and

you further assume all risk and consequences of not enrolling in the automatic renewal

service. If any Service is not successfully renewed prior to the expiration of its then

current Term, all your rights to access and use such Service will terminate upon the

expiry thereof, and we will have no obligation to provide you with access or use of a

Service once its Term has expired. You are solely and absolutely responsible for

ensuring the Services are renewed if you would like to continue accessing and using the

Services following the expiration of their applicable Terms. We shall have no liability to

you or any third party in connection with the renewal as described herein, including, but

not limited to, any failure or errors in renewing the Services whether due to you, us or a

third party. In order to process a renewal under our automatic renewal service, we may

receive information from financial institutions or use third-party vendors for the purpose

of updating the expiration date and account number of your credit card or other payment

method on file relating to you Payment Account. Such financial institutions and third-

party vendors maintain relationships with various credit card issuers and may be able to

provide us with the updated information relating to your Payment Account by comparing

the information we have on file with the information the financial institution or third-party

vendor has on file. By using our automatic renewal service, you acknowledge and agree

that we may share your credit card or other payment method information relating to you

Payment Account with such financial institutions or third-party vendors for the purpose

of obtaining any updates to your credit card expiration date, account number or any

other information relating to your Payment Account.

C. CANCELLATION; REFUNDS

To cancel certain purchases of HX Research products or Free Services, you may cancel

by changing your preferences in your User Account, contacting us

at [email protected]. Premium Services may be cancelled as set forth below.

During any free trial portion of your subscription you may cancel your subscription to the

Premium Service at any time and not be billed by notifying us as described above. You

must cancel five (5) day before the free trial period expires in order to avoid being

converted to a paid subscription.

When your initial subscription commences (which occurs at the expiration of your free

trial, or if you are not receiving a free trial, upon your registration for a subscription) your

Payment Account will be billed the applicable subscription Fee and your paid

subscription will commence. Once your initial subscription commences, we do not

provide refunds for initial orders or recurring monthly payments. If you cancel your

monthly subscription for a specific Premium Service, you will not receive a refund or

reimbursement of your monthly subscription Fee; however, you will not be charged any

future monthly subscription Fees relating to such Service. If you are a User for a Term

longer than a month (including, but not limited to, annual subscriptions) and you cancel

within the first thirty (30) days of your initial subscription, you may receive a refund of

your subscription fee minus the equivalent of one-month pro-rated charge. Please note

that if you cancel your subscription at any time after the first thirty (30) day period of

your initial subscription for which the Term is longer than one (1) month, you will not be

entitled to any refund or reimbursement on account of the cancellation of your

subscription, regardless of whether you have used your subscription.

You can cancel your subscription by contacting us at [email protected] or by any

other designated cancellation method. You may not cancel a subscription by any other

means. If you are entitled to a refund, we will seek to credit your Payment Account

within thirty (30) business days following your mandatory notification to us.

30-Day Refund Policy For Annual Subscribers

At HX, we strive to deliver top-tier financial insights and investment ideas. However, we

understand that our content may not be a fit for everyone. That's why we offer a 30-day

refund policy for our newsletter subscribers who have subscribed for an annual

subscription ONLY.

If you're not completely satisfied with your subscription, you may request a refund within

30 days of your subscription purchase date. To do this, send an email

to [email protected] (with the subject line "Refund". In the email body, please

include the reason for your refund request.

Our team will review your request promptly and process your refund if it falls within the

30-day period. Please allow a few business days for the refund to be processed and

appear in your account.

We value your feedback and will use it to improve our services. Thank you for giving HX

a try!

8. INTELLECTUAL PROPERTY AND PROPRIETARY RIGHTS

Except as otherwise set forth herein, all right, title and interest in and to: (A) the

Services and the Content; (B) all registered and unregistered trademarks, service marks

and logos; (C) all trade secrets, proprietary information, our confidential information, and

know-how; (D) all registered and unregistered copyrights including, but not limited to,

any text, video, audio, forms, images, displays, and software; (E) “Processed Data”

(defined below); (F) “Activity Metadata” (defined below), (G) “Feedback” (defined

below), and (H) all other intellectual property, proprietary rights or other rights related to

tangible or intangible property which are used, developed, comprising, embodied in or

practiced in connection with any of the Services identified herein (collectively, “HX

Research Intellectual Property Rights”) are owned by HX Research and/or its

Outside Contributors, and you agree to make no claim of interest in or ownership of any

such HX Research Intellectual Property Rights. You acknowledge and agree that no title

to the HX Research Intellectual Property Rights is transferred to you, and that you do

not obtain any rights, express or implied, in any of the Content or Services, other than

the rights expressly granted in this Agreement. The right, title, and interest to the User

Data is owned by you.

Except as otherwise provided herein, you may access and use the Content, and

download and/or print out one copy of the Content solely for your personal, non-

commercial use, provided that any material copied remains intact and includes the

following notice: “Copyright [applicable year]. HX Research Corporation. All rights

reserved.” Any other copying, distribution, storing, or transmission of any kind, or any

commercial use of the Content, is prohibited without our prior written permission. That

means you may not sell, transfer or barter your subscription, our Services or Content, or

any individual publication. You acknowledge and agree that you do not acquire any

ownership rights in the Content by using the Services. You agree not to create any

modification or derivative work based on or containing the Services and/or Content.

“HX Research” and certain other marks used on the Services are trademarks and/or

service marks of HX Research. All other trademarks, service marks, and logos used on

the Services are the trademarks, service marks, or logos of their respective owners.

If you provide any feedback or suggest any changes or modifications to any Service

(“Feedback”), as between you and HX Research, HX Research will own all right, title,

and interest in, and shall have all rights to use, such Feedback. Accordingly, you hereby

irrevocably assign to us all rights, title, and interests in and to the Feedback and agree

to provide us any assistance we may require to document, perfect and maintain our

rights in the Feedback. Further, you represent and warrant to us that you have the

requisite rights, permits and authorizations to assign all such rights, title and interests in

and to such Feedback to us. You may not remove, modify or obscure any copyright,

trademark or other proprietary rights notices that appear on any Service. You agree that

any derivative or transformed data derived by us in whole or part from User Data that

does not include your personal information (“Processed Data”) shall be the exclusive

property of HX Research, and nothing herein shall limit our use or exploitation thereof.

You acknowledge and agree that we have the right, but do not have the obligation, to

access, archive or monitor metadata generated by your activity in using the Services,

including as reasonably necessary to operate, maintain, improve and develop the

Services and provide the Services to you or other Users, including to ensure service

quality, to evaluate and maintain the Services and the security thereof, and to evaluate

compliance with this Agreement, applicable laws, rules or regulations (“Activity

Metadata”).

9. DISCLAIMER OF REPRESENTATIONS AND WARRANTIES

YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE

SERVICES (AND ANY RELATED CONTENT, INCLUDING, BUT NOT LIMITED TO,

ANY CONTENT PROVIDED BY OUTSIDE CONTRIBUTORS) IS SOLELY AND

ENTIRELY AT YOUR OWN RISK AND THAT THE SERVICES (AND ANY RELATED

CONTENT) ARE PROVIDED “AS IS,” “AS AVAILABLE” AND “WITH ALL FAULTS,”

WITHOUT REPRESENTATIONS, CONDITIONS, OR WARRANTIES OF ANY KIND,

WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, AND PROVIDES

NO REPRESENTATIONS OR WARRANTIES OF ANY KIND THAT THE SERVICES

OR CONTENT WILL MEET YOUR REQUIREMENTS, ACHIEVE ANY INTENDED

RESULT (INCLUDING, BUT NOT LIKMITED TO, ANY INVESTMENT RESULTS,

PROFITS, LOSSES, RETURNS, PERFORMANCE OR OTHER OUTCOMES),

OPERATE WITHOUT INTERRUPTION, MEET ANY PERFORMANCE OR

RELIABILITY STANDARDS OR BE COMPLETE, ADEQUATE, TIMELY, ACCURATE,

ERROR FREE, SECURE OR FREE OF VIRUSES, WORMS, MALICIOUS CODE,

TROJAN HORSES, MALWARE OR OTHER HARMFUL COMPONENTS. TO THE

MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, HX RESEARCH, ITS

OFFICERS, DIRECTORS, EMPLOYEES, SUBSIDIARIES, AFFILIATES, OUTSIDE

CONTRIBUTORS, THIRD-PARTY PROVIDERS, CONTRACTORS, SUPPLIERS,

LICENSORS, ADVERTISERS AND AGENTS (COLLECTIVELY, THE “HX RESEARCH

ENTITIES”) EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS OF ANY

KIND, STATUTORY, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO,

ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, NON-INFRINGEMENT,

AND FITNESS FOR A PARTICULAR PURPOSE OR USE, AND ANY WARRANTIES

ARISING FROM A COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE

OR TRADE PRACTICE.

THE FOREGOING DISCLAIMER OF REPRESENTATIONS AND WARRANTIES

SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW AND

SHALL SURVIVE ANY TERMINATION OR EXPIRATION OF THIS AGREEMENT OR

YOUR USE OF THE SERVICES.

10. LIMITATION OF LIABILITY

YOU ACKNOWLEDGE AND AGREE THAT THE HX RESEARCH ENTITIES ARE NOT

RESPONSIBLE OR LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT,

INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE,

RELIANCE OR OTHER DAMAGES UNDER ANY CONTRACT, NEGLIGENCE,

STRICT LIABILITY, EQUITY OR OTHER LEGAL THEORY ARISING OUT OF OR

RELATING IN ANY WAY TO THIS AGREEMENT, YOUR ACCESS TO OR USE OF

THE SERVICES AND/OR ANY CONTENT CONTAINED THEREIN, INCLUDING, BUT

NOT LIMITED TO, ANY CONTENT PROVIDED BY OUTSIDE CONTRIBUTORS, FOR

ANY LOST PROFITS, DIMINUTION OF VALUE, LOSS OF USE OR OTHER

ECONOMIC ADVANTAGE OR LOSS OF DATA, WHETHER SUCH DAMAGE IS

FORESEEABLE OR NOT AND WHETHER OR NOT THE HX RESEARCH ENTITY

HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE AND

NOTWITHSTANDING THE FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED

REMEDY. FOR AVOIDANCE OF DOUBT, DAMAGES ARISING UNDER THE

SECTION ENTITLED “INDEMNIFICATION” (INCLUDING, BUT NOT LIMITED TO,

DAMAGES TO WHICH A PARTY IS ENTITLED TO INDEMNIFICATION UNDER SUCH

SECTION THAT SUCH PARTY SUFFERS IN CONNECTION WITH THIRD-PARTY

CLAIMS FOR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES)

ARE DEEMED TO BE DIRECT DAMAGES OF THE INDEMNIFIED PARTY. YOUR

SOLE REMEDY FOR DISSATISFACTION WITH THE SERVICES IS TO STOP USING

IT. YOU AGREE THAT, WITHOUT LIMITING THE FOREGOING, IN NO EVENT SHALL

HX RESEARCH’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES AND

CAUSES OF ACTION — WHETHER IN CONTRACT, EQUITY, TORT OR OTHERWISE

— EXCEED THE TOTAL AMOUNT YOU PAID TO US FOR ACCESS TO AND USE OF

THE APPLICABLE SERVICE OR CONTENT DURING THE CURRENT CALENDAR

YEAR OF YOUR SUBSCRIPTION TERM IN RESPECT OF SUCH SERVICE OR

CONTENT.

The commencement of any action or proceeding on any claim regarding the Services

must be brought by you within one (1) year from when the claim arose. The foregoing

limitation shall not apply to actions brought against you for indemnification.

11. INDEMNIFICATION

You agree to indemnify, defend and hold harmless the HX Research Entities, their

current and former officers, directors, employees, agents and representatives and their

successors and assignees from and against any and all liabilities, claims (including, but

not limited to, third-party claims), damages, losses, costs (including reasonable

attorneys’ fees), or other expenses associated with or incurred as a result of or from:

Your breach of your warranties, representations and obligations under this Agreement;

Your failure to perform in accordance with this Agreement;

Your use of the Services in any way other than its normal way or in a way not required

or recommended by us;

Your violation of the rights of any third party;

Your registration or use of a User Account; or

the actual or alleged infringement of any third-party proprietary or intellectual property

right arising out of the unauthorized use of the Services.

If any Service which is subject to this indemnity is claimed, alleged or determined to

infringe a patent issued to, or a copyright registered by, or either owned by or licensed

to, any third party, HX Research shall have the right and option to modify the Services

to avoid such infringement. If, in our sole opinion, such modification cannot practicably

be accomplished to avoid such infringement, we shall have the right to terminate this

Agreement without liability on the part of any HX Research Entity to you. In the event

your purchase of a Premium Service is terminated under this paragraph, we will refund

to you the full price for any unused portion of such Premium Service. In such an event,

HX Research shall have the right in our sole discretion to elect to defend against or to

settle any such third-party claim or third-party suit. You shall, at HX Research’s request,

but at our expense, cooperate with us and provide assistance and information with

respect to any such claim or suit. We shall have the right to select counsel, at our

expense, to defend against any such claim or suit. If you shall also elect to be

represented by your chosen counsel, you shall pay the fees and expense of such

counsel. You must receive HX Research’s prior written consent regarding, and in

advance of, any related settlement.

This defense and indemnification obligation shall survive this Agreement and your use

of the Services.

12. TERMINATION

A. GENERAL

Without limiting the foregoing, HX Research may terminate this Agreement immediately

for any or no reason whatsoever and with or without notice to you (including by

terminating your User Account, Credentials and/or access to any Service) if: (i) HX

Research believes in its sole discretion that the Services are being used in violation of

this Agreement or applicable law; (ii) HX Research believes in its sole discretion that

your use of any Service interferes with the normal operations of the Service or creates

any threat to the security of the Service, Platform, or the Content of any other User of

the Service; (iii) HX Research becomes aware of what it, in its sole discretion, deems a

credible claim that the Service or any portion thereof infringes upon, misappropriates or

violates any of the HX Research Intellectual Property Rights or the intellectual property

rights of a third party; (iv) HX Research is required to do so by applicable law; (v) in the

case of Free Services, HX Research reserves the right to terminate User Accounts

related to Free Services that remain idle for a period of thirty (30) days or more; or (vi) in

the event you contact your bank or credit card company to decline, chargeback or

otherwise reverse the charge of any Fees payable to HX Research. If you have

questions about a payment made to us, contact us by email at [email protected]

before filing a chargeback. HX Research reserves our right to dispute any chargeback.

For the avoidance of doubt, if you purchase Premium Services which are sold together

as a solution or bundled package of Services, any termination relating to any one

Service or bundled package will terminate all Services included in such solution or

bundled package, provided, however, that we may, in our sole discretion and subject to

your agreement to be bound by this Agreement and to pay the applicable Fees, allow

you to convert certain Services included in the bundled Services to stand-alone

Services.

Without limiting Section 7(C), you may terminate the Agreement at any time, except that

such termination does not relieve you from your obligation to pay any Fees for Premium

Services for the remainder of the applicable Term.

B. EFFECT OF TERMINATION

Upon the effective date of termination, HX Research will no longer provide the Services

to you, any licenses granted to you will immediately terminate, and you must cease

using such Services immediately, and all rights and obligations of the parties hereunder

shall terminate, except that Sections 2, 3, 4, 5.B, 8, 9, 10, 11, 12, 13, 14 and 16, as well

as any right or obligation in the Agreement, which, by its express terms or nature and

context is intended to survive expiration or termination of this Agreement, shall survive

expiration or termination of this Agreement.

User agrees that if their User Account is so terminated pursuant to Sections 12(A)(i)-(iii),

the User will not attempt to establish a new User Account or otherwise engage in

infringing our copyrights or other intellectual property rights under any name, real or

assumed.

In order to comply with applicable law or other recordkeeping practices in the ordinary

course of our business, or to otherwise enforce our rights under this Agreement, we

may retain indefinitely for our records a copy of any and all User Data. We are not

responsible for maintaining any records on your behalf.

13. THIRD-PARTY PROVIDERS & THIRD-PARTY SITES

HX Research may retain affiliates and/or other third-party service providers to assist or

support us in providing the Services (including, but not limited to, any security,

technology, support, legal, compliance, administrative or similar function), and to assist

with marketing and business development (including, but not limited to any merchandise

referral programs) (each a “Third-Party Provider”).

The Services and/or the Content may contain links to third-party websites, advertisers,

products, content, information, services or other events or activities that are not owned

or controlled by HX Research (collectively, “Third-Party Sites”). We do not endorse or

assume any responsibility for your access or use of any such Third-Party Site. If you

access a Third-Party Site via a link on the Platform, the inclusion of any link to a Third-

Party Site on the Platform does not imply that we endorse such Third-Party Site, and

your access and/or use of the link and the Third-Party Site is done at your own risk. A

Third-Party Site may have its own service agreement or other related terms and

conditions, and it is solely your obligation to review, accept and abide by those service

agreements or other related terms and conditions. You expressly agree that HX

Research is not responsible or liable in any way for (i) the availability or accuracy of any

such Third-Party Sites or (ii) the content, terms and conditions, policies, advertising,

practices or products of any such Third-Party Sites. Additionally, your dealings with or

participation in the promotions of any advertisers found on the Services, including

payment and delivery of goods, and any other terms (such as warranties) are solely

between you and such advertisers. You agree that HX Research shall not be

responsible for any loss or damage of any sort relating to your dealings with such

advertisers.

Without limitation to any of the foregoing paragraphs under this section 13, you

acknowledge that certain portions of the Content or features of the Service are owned

by a Third-Party Provider (such Content or features, “Third-Party Materials”), and not

HX Research, and are provided to you (as expressly described under this Agreement)

on license terms and conditions that are in addition to and/or different from those

contained in this Agreement or a Specific Terms of Service. Such Content or features

may be provided under, and be subject to, the following third-party licenses:

If you do not agree to any of the foregoing licenses in respect of any such Third-Party

Materials, you must not use and/or access any such Third-Party Materials.

14. GOVERNING LAW; VENUE

This Agreement is governed under the laws of the Province of Ontario and the federal

laws of Canada applicable therein, and you agree that any judicial proceeding, suit or

other action relating to or arising under this Agreement, the Services or a breach of any

User’s User Data, will be commenced only in a court of competent jurisdiction located in

the City of Toronto, in the Province of Ontario. You consent to the personal and

exclusive jurisdiction of such court and waive the right to challenge the jurisdiction of

such court on grounds of lack of personal jurisdiction or forum non conveniens, or to

otherwise seek a change of venue. You agree to waive the right to trial by jury in any

action that takes place relating to or arising under this Agreement or the Services. You

also agree to waive the right to file a class action claim relating to or arising under this

Agreement or the Services.

In the event you bring a claim against HX Research in a foreign jurisdiction (a court

other than in Toronto, Ontario), HX Research will move the court to dismiss such claim

per your acceptance of this Agreement existing at the time of your purchase of, use of,

or access to the Services and your continued use of the Services as evidence of

acceptance of the Agreement and this Section.

The parties agree that the foregoing obligation is independent from all other obligations

herein. You acknowledge that, in the event you commence a judicial proceeding in any

court other than the courts in Toronto, Ontario as described herein, HX Research may

incur costs and expenses, including attorneys’ fees, to enforce this provision. You

expressly agree that you will reimburse HX Research for any such costs and expenses,

including, but not limited to, attorneys’ fees incurred by us within ten (10) days of

receiving a written demand from us for such reimbursement. You further agree that if

you do not timely reimburse HX Research as previously described in this Section, you

will be responsible for, and agree to pay, all costs and expenses, including, but not

limited to, attorneys’ fees incurred by us in seeking to collect or recover from you the

amount subject to reimbursement.

15. ADDITIONAL TERMS FOR SERVICES PROVIDED THROUGH A WEB OR

MOBILE APP

With respect to any Services provided through a web or mobile app (an “App”), we grant

you a limited, terminable, non-exclusive license to download and install a single copy of

the App solely on your own computer or mobile device, for use solely to connect to and

use the Services as permitted under this Agreement. This license is not transferable to

any third party. On termination of this Agreement for any reason, including in the event

you close your User Account, you will delete any downloaded or installed copies of the

App.

You acknowledge that this Agreement is between HX Research and you, and not with

the owner or operator of any app store through which the App is distributed (the “App

Store Provider”). In addition to the terms of this Agreement, your use of the App and any

Services provided through the App will be subject to the terms of any user agreement

associated with the App Store Provider or other venue through which you downloaded

or obtained the App.

Without limiting this Agreement: (a) HX Research is solely responsible for providing any

maintenance and support services with respect to the Platform as provided in this

Agreement or under applicable law, and the App Store Provider has no obligation

whatsoever to furnish any maintenance and support services with respect to the App or

the associated Services; and (b) the App Store Provider is not responsible for any

product warranties for the App or the Services.

HX Research and you acknowledge and agree that the App Store Provider is a third-

party beneficiary of the provision of this Section and other provisions this Agreement

applicable to the App Store Provider hereunder and upon your acceptance of the terms

and conditions of this Agreement, the App Store Provider will have the right (and will be

deemed to have accepted the right) to enforce such provisions of this Agreement

against you as a third-party beneficiary thereof.

16. MISCELLANOUS

A. WAIVER

No waiver of any provision of this Agreement is effective unless it is in writing and

signed by an authorized representative of HX Research. Our remedies under this

Agreement are cumulative and not alternative, and the election of one remedy for a

breach does not preclude the pursuit of other remedies. The failure of HX Research to

require your performance of any Agreement provision does not affect the full right to

require such performance at any time in the future. The waiver by HX Research of any

rights arising out of any breach of any Agreement provision shall not be taken or held to

be a waiver of the provision itself. Any failure by HX Research to enforce any of its

rights under this Agreement or any applicable laws does not constitute a waiver of such

right.

No party will be deemed to have waived any of its rights under this Agreement by lapse

of time or by any statement or representation other than (i) by an authorized

representative and (ii) in an explicit written waiver. No waiver of any rights arising out of

a breach of this Agreement will constitute a waiver of rights relating to any prior or

subsequent breach of this Agreement.

B. SEVERABILITY

If a court of competent jurisdiction holds any provision (or portion of a provision) of this

Agreement to be illegal, invalid or otherwise unenforceable, the remaining provisions (or

portions of provisions) of this Agreement shall not be affected thereby and shall be

found to be valid and enforceable to the fullest extent permitted by law. This Agreement

will be deemed amended to the extent necessary to make this Agreement enforceable,

valid and, to the maximum extent possible, consistent with applicable law and

consistent with the original intention of the parties, and the remaining terms and

provisions will remain in full force and effect.

C. FORCE MAJEURE

Under no circumstances shall HX Research be held liable for any cessation,

interruption, delay or failure in performance of the Services or any obligations under this

Agreement resulting directly or indirectly from acts of nature, forces, or causes beyond

its reasonable control, including, but not limited to, Internet failures, computer

equipment failures, telecommunication equipment failures, failures of internet service

providers (ISPs) or cloud-hosting providers, other equipment failures, electrical power

failures, strikes, labor disputes, lockouts or boycotts, riots, terrorism, insurrections, civil

disturbances, shortages of labor or materials, viral pandemics, hurricanes, earthquakes,

fire, floods, storms, natural disaster, explosions, acts of God, armed conflict, war,

governmental actions, orders of domestic or foreign courts or tribunals.

D. ENTIRE AGREEMENT

This Agreement, as well as any additional HX Research agreements, terms and

conditions, rules, policies and agreements (including the Privacy Policy), together with

all modifications thereto, constitute the entire agreement between you and HX Research

concerning your use of the Services and any other subject matter related to this

Agreement. This Agreement supersedes and governs all prior proposals, agreements or

other communications between you and HX Research (including, but not limited to, any

prior versions of this Agreement). You may not waive, modify or supplement this

Agreement, in whole or in part, except by written permission or amendment by HX

Research.

E. TITLES AND HEADINGS; INTERPRETATION

The titles and headings of this Agreement are inserted for ease of reference only and do

not affect in any way the meaning or interpretation of this Agreement. Also, in all

references herein to any parties, persons, entities or corporations, the use of any

particular gender or the plural or singular number is intended to include the appropriate

gender and number as the text of this Agreement may require.

F. ASSIGNMENT

You may not assign or transfer, either directly or through a third party, this Agreement or

any of its interests, rights or obligations hereunder, without the prior written consent of

HX Research. Any attempted assignment in violation of the foregoing provision will be

null and void and of no force or effect whatsoever. We may assign our rights and

obligations under this Agreement and may engage subcontractors or agents in

performing our duties and exercising our rights hereunder, without notice to you or your

consent. Where applicable, this Agreement is binding upon and shall inure to the benefit

of the parties hereto and their respective successors and permitted assigns.

G. AGENCY

This Agreement does not create any agency, employment, partnership, joint venture,

franchise or other similar or special relationship between you and HX Research. No

party has the right or authority to assume or create any obligations or to make any

representations, warranties or commitments on behalf of the other party or its affiliates,

whether express or implied, or to bind the other party or its affiliates in any respect

whatsoever. The relationship between you and HX Research is limited to the

responsibilities and obligations of both parties as established in this entire Agreement.

H. NO THIRD-PARTY BENEFICIARIES

Except a set out in Section 15, you acknowledge and agree that nothing herein, express

or implied, is intended to nor is to be construed to confer upon or give to any person,

other than you, any interests, rights, remedies or other benefits conveyed to you herein.

I. ACCESS TO THE SERVICE FROM OTHER LOCATIONS

The Services are directed solely to individuals and entities residing in the United States

and Canada. We make no representation that materials provided through the Services

are appropriate or available for use in other locations. Those who choose to access the

Services from other locations do so on their own initiative and at their own risk, and are

responsible for compliance with local laws, if and to the extent applicable. We reserve

the right to limit the availability of the Services to any person, geographic area, or

jurisdiction we so desire, at any time and in our sole discretion, and to limit the

quantities of any such service that we provide.

J. NOTICE

HX Research may provide notifications, whether such notifications are required by law

or are for marketing, to disclose changes or additions to our Services, or for other

business-related purposes, to you via email associated with your User Account, written

or hard copy notice, or through conspicuous posting of such notice on our Services. We

reserve the right to determine the form and means of providing notifications to Users,

provided that you may opt out of certain means of notification as described in this

Agreement. We are not responsible for any automatic filtering you or your network

provider may apply to email notifications we send to any email address you provide us.

All mail notices from HX Research to you are deemed effective when: (i) sent by

certified mail, return receipt requested or by Federal Express or other recognized

overnight delivery service to your last known mailing address; (ii) sent via email to the

email address associated with your User Account; or (iii) posted on the login page of the

Website and/or any of the applicable pages linked thereto and immediately after you

login to the Website. When you provide contact information to HX Research, you agree

that we may use this information to contact you in any format or manner we choose and

that we may rely on contact information provided by you to us. HX Research may, but

has no obligation to, send a single notice by various means of delivery (e.g., email,

certified mail or express mail). In no event shall HX Research be liable to you for

choosing to send notice in one manner or format over another

You shall give notice to HX Research by contacting [email protected].

Please Read: Privacy Policy l Disclosures l Disclaimers l Terms of Use

 If you have any questions please contact us at [email protected]