Terms of Service

1. Acceptance of Terms

By creating an account, subscribing, or otherwise using the Service, you represent that you are at least the age of majority in your jurisdiction and have the legal capacity to enter into these Terms. If you are accessing the Service on behalf of an organization, you represent that you are authorized to bind that organization to these Terms.

2. Description of Service

The Service provides macro and equity research, newsletters, model portfolios, and related analysis intended for wealth managers, institutional investors, and other finance professionals. Playbook Market Research Inc. is a research-only entity. The Service does not constitute individualized investment advice, a recommendation to buy or sell any security, or an offer or solicitation of any financial product.

No Advisory Relationship: Use of the Service does not create a fiduciary, advisory, or brokerage relationship between you and Playbook Market Research Inc.. You are solely responsible for evaluating the suitability of any information for your own circumstances and, where appropriate, consulting a licensed professional.

3. Accounts and Eligibility

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us promptly of any unauthorized access. We may suspend or terminate accounts that provide inaccurate information, violate these Terms, or fail eligibility checks required to access specific research modules.

4. Subscriptions, Billing, and Refunds

• Billing: Paid subscriptions are billed in advance on a monthly or annual basis through our third-party payment processor, Stripe. You authorize us and Stripe to charge your selected payment method for all applicable fees and taxes.
• Auto-Renewal: Subscriptions automatically renew at the end of each billing period unless cancelled before the renewal date.
• Cancellation: You may cancel at any time from your account dashboard. Cancellation takes effect at the end of the current billing period, and you retain access until that time.
• Refunds: Fees are non-refundable except where required by applicable law or expressly stated by us in writing.
• Price Changes: We may change subscription prices from time to time. Any change will apply to billing periods that begin after notice is provided.

5. Acceptable Use

You agree not to:

• Resell, redistribute, forward, syndicate, or publish our research, newsletters, or model portfolios in whole or in part, except as expressly permitted.
• Share your login credentials or allow anyone other than authorized users within your firm to access the Service.
• Scrape, crawl, mirror, or otherwise extract data from the Service by automated means without our written consent.
• Use the Service to build a competing research product or to train machine learning or AI models.
• Interfere with the security, integrity, or availability of the Service, or attempt to gain unauthorized access to any account or system.

6. Intellectual Property

All research, text, charts, graphics, code, and other content provided through the Service is the property of Playbook Market Research Inc. or its licensors and is protected by copyright, trademark, and other intellectual property laws. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal professional use. All rights not expressly granted are reserved.

7. Third-Party Services and Data

The Service relies on third-party providers, including Stripe for payment processing and various market-data and research sources (e.g., central banks, regulators, and commercial data vendors). We do not control and are not responsible for the availability, accuracy, or content of third-party services or data. Your use of any third-party service is subject to that provider's own terms and policies.

8. Disclaimers

The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, statutory, or otherwise. To the maximum extent permitted by law, we disclaim all warranties, including merchantability, fitness for a particular purpose, non-infringement, and accuracy. Research reflects the opinions of its authors as of the date of publication, is subject to change without notice, and may not be suitable for your specific situation. Past performance is not indicative of future results.

9. Limitation of Liability

To the maximum extent permitted by law, in no event will Playbook Market Research Inc., its officers, directors, employees, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, investment returns, or data, arising out of or related to your use of the Service. Our aggregate liability for any claim arising out of or related to these Terms or the Service will not exceed the amounts paid by you to us in the twelve (12) months preceding the event giving rise to the claim.

10. Indemnification

You agree to defend, indemnify, and hold harmless Playbook Market Research Inc. and its affiliates from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising out of or related to your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

11. Termination

We may suspend or terminate your access to the Service at any time, with or without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties. You may terminate your account at any time by cancelling your subscription and ceasing use of the Service. Sections that by their nature should survive termination will survive, including intellectual property, disclaimers, limitations of liability, indemnification, and governing law.

12. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Province of Alberta, Canada, without regard to its conflict-of-laws principles. You agree that any dispute arising out of or related to these Terms or the Service will be brought exclusively in the courts located in Alberta, Canada, and you submit to the personal jurisdiction of those courts.

13. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Last Updated" date at the top of this page. Material changes will be communicated through the Service or by email. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

14. Contact Us

Questions about these Terms can be directed to: