Terms of Service

Preamble

www.jrodwrites.com is a one-stop-source website (portal) dedicated to providing information related to the Middle Eastern financial markets, educating its readers on the principals of financial investments, enriching the visitors’ experience with analytical tools and commentaries, and harboring an online community of financial professionals where they share their views and knowhow.

www.jrodwrites.com provides quotes, news, and analysis from third parties related to the Middle Eastern stocks markets, as well as global currencies and commodities markets. The portal also provides macro-economic information, market and company technical data and financials, as well as analytical tools to allow visitors to conduct their own analysis and evaluation.

www.jrodwrites.com provides the ability for market and financial analysts to contribute their own knowhow and expertise by posting analytical and educational articles.

www.jrodwrites.com provides an educational section where visitors can read-up on the principals of investing as well as enroll in related courses offered by third parties.

The use of www.jrodwrites.com website (the “Site”) is subject to the following Terms of Service. By using the www.jrodwrites.com Site, Users/clients/visitors (the “User”) agree to be bounded by these Terms of Service.

For the purposes of these Terms of Service, the terms “we”, “us”, “our”, and “Company” refer to “www.jrodwrites.com” and all its affiliates. “You” refers to you, as a User of this Site.

The present Terms of Service shall govern all offers, purchases, reports, and services provided to the User through the www.jrodwrites.com website.

The present Terms of Service constitute the entire and only agreement between www.jrodwrites.com and User, and supersede all prior or contemporaneous agreements, representations, warranties and understandings with respect to the Site content, products or services provided by or through the Site, and the subject matter of these Terms of Service. www.jrodwrites.com may amend these Terms of Service at any time without specific notice to User. The latest Terms of Service will be posted on the Site and User should review them prior to using the Site. Any changes to the Terms of Service will become effective when we post the revised Terms of Service on the Site. Your use of the Site or services, or your provision of personal information following any changes means that you accept the updated Terms of Service.

www.jrodwrites.com Site is intended only for personal, non-commercial use, unless you and www.jrodwrites.com have agreed otherwise in writing.

PLEASE READ THE PRIVACY POLICY, RISK & RESPONSIBILITY AND ALL OF THE FOLLOWING TERMS OF SERVICE BEFORE USING THIS SITE. BY CONTINUING TO ACCESS OR USE THIS SITE OR ANY SERVICE ON THIS SITE, YOU APPROVE THESE TERMS OF SERVICE.

You understand and agree that www.jrodwrites.com may cease or amend the Site at any time, without notice. You also understand and agree that www.jrodwrites.com may cease or restrict your use of this Site for any reason whatsoever without notice.

WWW.JRODWRITES.COM RESERVES THE RIGHT TO SUSPEND PARTIALLY OR TOTALLY THE OPERATION OF THIS SITE OR ANY PART OR SECTIONS OF IT AT ANY TIME AND NO CLAIMS MAY BE ENTERTAINED AGAINST WWW.JRODWRITES.COM IN CONNECTION THERETO.

Registration

Users may browse the Site for simple information but should register to access some of the Site’s functionality such as communicating with others, accessing an unlimited number of real-time news, building one’s repository of published analytical and educational articles and reports, as well as purchasing of certain but not all reports, analysis, and courses. Upon requesting certain services, unregistered User will be prompted to register or log in.

User may also benefit from a monthly membership plan against a membership fee allowing him/her to have access to a range of benefits, resources and special services.

Registration provides a unique identification for each User, and helps www.jrodwrites.com trace all processes and orders, and revert to Users on any queries or problems.

You agree to provide true, current and complete information about yourself during the registration process. If you are an authorized representative of a company, you declare that you have the authority to bind the company to these Terms of Service. Fake names or incorrect information will be subject to strict sanctions.

Registration is simple and open to individuals or business entities. User must register by filling the registration form and must provide an email address/username and a password.

An email address/username and a password will be required to login to www.jrodwrites.com. The password must be kept confidential and must not be disclosed or shared with anyone. User will be responsible for any purchases and activities that are submitted under its username and password. User must take all necessary actions to keep the password and any confidential information away from public view and must not share it with others. User will be responsible to protect this information. If you misplace or lose any of the above data or you suspect that someone else has access to them you should notify us immediately, in writing.

Additional information may be required at later stages such as address (city, country…), phone/mobile number, title, summary of profile, etc…

www.jrodwrites.com reserves the right to refuse, suspend or terminate a registration immediately at its discretion.

Become an Author

www.jrodwrites.com grants its Users and professionals the opportunity to become authors on the Site and post professional and credible information and materials. A special section is reserved on the Site for this purpose. Interested authors shall follow special procedures to implement such registration.

You agree that your materials are credible, will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the service or any related website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any material.

Authors are solely responsible for any material they post and their accuracy. We take no responsibility and assume no liability for any comments or materials posted by authors or any third-party.

We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violate any party’s intellectual property rights or the Terms of Service.

Authors agree to indemnify, defend and hold harmless www.jrodwrites.com and its owners, mother companies, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of the authors’ breach, violation, or mistake or the documents authors incorporate by reference, or authors’ violation of any law or the rights of a third-party.

Online Store (eStore)

Users may purchase on www.jrodwrites.com’s eStore analysis reports, articles, professional advices, trading courses provided by economists, analysts, training centers and institutions (the “Content”).

When Users purchase www.jrodwrites.com Content, www.jrodwrites.com grants you a limited, revocable, non-exclusive, non-transferable license to download or stream such www.jrodwrites.com Content to your computer and/or other device(s) solely for your personal, non-commercial use. You agree to not otherwise copy, reproduce, distribute or use the www.jrodwrites.com Content other than as expressly set forth herein. You will not sell, transfer, lease, modify, distribute or publicly perform the www.jrodwrites.com Content in any manner and you will not exploit it commercially. You agree to not modify, reverse engineer, decompile or disassemble the www.jrodwrites.com Content, or otherwise tamper with the www.jrodwrites.com Content or create any derivative works therefrom.

With respect to all purchases, except where noted otherwise, any list price displayed represents the full price listed on the www.jrodwrites.com Content itself, as determined by www.jrodwrites.com, or as suggested by the author or provider. Prices are subject to change at any time in www.jrodwrites.com's sole discretion. www.jrodwrites.com cannot confirm the price of an item until you order.

All www.jrodwrites.com Content you purchased will be delivered to your www.jrodwrites.com account or email address provided in the registration upon confirmation of payment.

Once we have made www.jrodwrites.com Content available to you, you will bear the risk of loss for accessing any of www.jrodwrites.com Content after purchase and for any loss of www.jrodwrites.com Content you might have saved, including any loss due to a file corruption or a device or hard drive crash. Purchased www.jrodwrites.com Content will generally continue to be available in your www.jrodwrites.com account but may become unavailable due to possible content provider licensing restrictions or other reasons, and www.jrodwrites.com will not be liable to you if www.jrodwrites.com Content becomes unavailable for further access. You will not receive a full or partial refund of any fees already paid in such situations.

You must have a valid payment instrument, such as a credit card, debit card, or other permitted payment mechanism in order to purchase on www.jrodwrites.com’s eStore.

Disclaimer

You understand that www.jrodwrites.com is a provider of information for general information purposes only and does not provide legal, financial, or other professional advice, and does not provide any trading operations or transactions.

www.jrodwrites.com obtains its information from several sources. Due to the inherent danger of electronic distribution, there may be delays, omissions or inaccuracies in the Site’s content.

The information and content on the Site is subject to change without notice and is provided for the sole purpose of assisting User to formulate independent conclusions and investment decisions. However, the content of the Site is provided "as is", without any warranties.

Information may contain the opinions of third parties, and www.jrodwrites.com is not responsible for these opinions.

www.jrodwrites.com is not responsible for any damages resulting from any decisions of you, or anybody accessing the services, that are made in reliance on the services. You agree that you use the services at your own risk in these respects.

www.jrodwrites.com, its owners, mother companies, employees, officers, directors, affiliates, agents, licensors, authors and information providers cannot and do not warrant the accuracy, completeness, correctness, timeliness, non-infringement, title, merchantability or fitness for a particular purpose of the content available through the Site, or the Site itself, and www.jrodwrites.com hereby disclaims any such express or implied warranties, and will not be held liable, towards you or any third party, for any loss, lost profits, any special, incidental or consequential damage or any other similar damage or any other loss or injury, resulting directly or indirectly from use of the Site or damage that may arise directly or indirectly from the content or your inability to access the Site.

Legal Restrictions

Laws governing financial contracts differ between a country and another, and it is your sole obligation to ensure that you fully comply with any law, regulation or directive, applicable to your country in relation to the use of the Site. The ability to access the Site does not necessarily mean that our services, and/or your activities via the Site, are legal under the laws, regulations or directives applicable in your country.

Access to this Site, and the offering of services via this Site, may be restricted in certain jurisdictions. Therefore, Users accessing this Site are required to observe such restrictions.

Limited License and Permitted Use

www.jrodwrites.com grants you a non-transferable, non-exclusive and limited personal license to (i) access the Site, (ii) use the services solely for internal, personal, non-commercial purposes, (iii) display, save, archive or print a single copy of any information and content, or any information and/or content otherwise distributed by or from www.jrodwrites.com, solely for internal, personal, non-commercial purposes, provided that, in doing so, (i) you do not further distribute, sell, or modify the information and the Site’s content in any way, (ii) you do not process the information for the purpose of creating indices or license any third party to create indices, (iii) you do not use the information to create or benchmark any exchange traded fund, institutional or retail fund, derivative contract or other similar product, or license any third party to do so, (iv) you maintain all copyright and other notices contained in the information and the Site’s content, and (v) you strictly comply with the Terms of Service.

The license granted under these Terms of Service will cease if www.jrodwrites.com believes that any information provided by you, including your e-mail address, is no longer current or accurate, or if you fail to otherwise comply with the Terms of Service and all rules and guidelines for each service. Upon such violation, you agree to cease accessing the services. You agree that www.jrodwrites.com, at its sole discretion and without notice, may terminate your access to any or all services, and remove and discard any information or content within a service.

You shall be responsible and bound by any unauthorized use or breach of the Site. You agree not to use any electronic communication feature of a service on the Site for any purpose that is unlawful, tortuous, abusive, and intrusive on another's privacy, harassing, embarrassing, obscene, threatening or hateful.

Solely for educational purposes in an academic institution or environment, you may display, download, archive, print, or distribute to students information and content from www.jrodwrites.com Site (such as printouts, copies, or images of the Site) provided that, you maintain all copyright and other notices contained therein, and you and the students comply with the Terms of Service. Except for the above mentioned permitted use contained in this limited license, nothing in these Terms of Service grants, or should be construed to grant, any licenses or rights, by implication, estoppels or otherwise, under copyright or other intellectual property rights. You agree that all right, title and interest (including all copyrights, trademarks, service marks, patents and other intellectual property rights) in the services, information and the Site belong to www.jrodwrites.com and/or its licensors, as applicable.

Links to Third Party Sites

This Site may contain links to websites operated and controlled by third parties. Such links are provided only for your reference. www.jrodwrites.com shall not be liable for the content, information, materials, products or services posted or offered at such websites. The presence of such links on this Site does not imply that www.jrodwrites.com endorses or recommends the content on that website or the operator or operations of that site. You are solely responsible for determining the extent to which you may use any content at any other website to which you might link from this Site.

Third party providers may impose additional restrictions on usage of their information, materials, or services and may change them from time to time. These restrictions may include prohibiting certain types of usage or requiring Users to report their usage to, obtain agreement from, or pay additional fees either through www.jrodwrites.com or directly to, the relevant third party provider.

Market Information

www.jrodwrites.com Site includes general news and information, observations, interactive tools, quotes, research reports, analyst opinions, courses and data concerning the stock markets, foreign exchange markets, other financial markets and other subjects, supplied by agents, vendors, partners, companies or third parties that are not affiliated with www.jrodwrites.com (the "Market Information").

Market Information provided on the Site is not a legal, tax or investment advice. www.jrodwrites.com makes it available to you only as a service for your own convenience, and you may use Market Information only at your own risk. www.jrodwrites.com does not, explicitly or implicitly, support, endorse or approve the Market Information. While www.jrodwrites.com makes every attempt to provide accurate and timely information to serve the needs of Users, www.jrodwrites.com and any third party from which www.jrodwrites.com has obtained Market Information, do not guarantee the accuracy, timeliness, completeness, usefulness or correct sequencing of such Market Information, or warrant any results from your use or reliance on the Market Information.

Market Information may continuously become unreliable for several reasons including but not limited to changes in market conditions or economic circumstances. Neither www.jrodwrites.com nor any third party from which www.jrodwrites.com has obtained Market Information are obligated to update any information or opinions contained in any Market Information, and we may discontinue offering Market Information at any time without notice.

www.jrodwrites.com and any third party from which www.jrodwrites.com has obtained Market Information shall not be liable in any way for the termination, interruption, delay or inaccuracy of any Market Information.

www.jrodwrites.com, any Market Information provider and owners, mother companies, subsidiaries, affiliates, service providers, licensors, officers, directors and/or employees shall not be liable for any direct, indirect, incidental, special or consequential damages arising out of or relating to the use or the inability to use the Market Information, including but not limited to damages for loss of profits, use, data or other intangible damages, even if such party has been advised of the possibility of such damages.

www.jrodwrites.com and any Market Information provider do not make any warranties or guarantees with respect to the Site and its content, including but not limited to, warranties for merchantability or fitness for a particular purpose.

Use and Access to the Site

You represent and warrant that you have implemented and plan to operate and maintain appropriate protection in relation to the security and control of your computer or device through which you will gain access to the Site and the service, and any information and data included therein.

www.jrodwrites.com shall not be liable in any way to you in the event of failure or damage or destruction to your computer or device systems, data or records or any part thereof, or for delays, losses, errors or omissions resulting from the failure or mismanagement of any telecommunications or computer/device equipment or software.

You will not in any way, whether directly or indirectly, expose www.jrodwrites.com or any of www.jrodwrites.com's online service providers to any computer virus or other similarly harmful or inappropriate material or device.

All warranties, conditions and other terms implied by statute or common law including, without limitation, warranties or other terms as to merchantability, satisfactory quality and fitness for a particular purpose, shall not apply in any case. www.jrodwrites.com does not warrant that the services, information, or material supplied to www.jrodwrites.com will be delivered free of any interruptions, delays, omissions or errors, or that all faults will be corrected.

Payments

If a credit card is being used for a purchase on the Site, you may be asked to supply certain information, including credit card, debit card, or other payment mechanism information.

You agree not to hold www.jrodwrites.com liable for any loss or damage of any sort incurred as a result of any such dealings. You agree that all information you provide in connection with such purchase will be accurate, complete and current. You agree to pay all charges incurred by use of your credit card, debit card, or other payment mechanism at the prices in effect when such charges are incurred. You also will pay any applicable taxes relating to any purchases you make.

THE LIABILITY OF WWW.JRODWRITES.COM, ITS OWNERS, MOTHER COMPANIES, OFFICERS, DIRECTORS OR EMPLOYEES, TO YOU OR ANY THIRD PARTIES IN ANY CIRCUMSTANCE IS LIMITED TO THE AMOUNT OF MONEY YOU TRANSFERRED TO WWW.JRODWRITES.COM AND ONLY IF SUCH TRANSFER IS COMPLETED AND DULY RECEIPT.

All purchases on the Site are final. Fees paid for purchases and services are non-refundable once payment is confirmed.

Prices for purchase provided on the Site may change at any time, and www.jrodwrites.com does not provide price protection or refunds in the event of a price reduction or promotional offering.

Payment card details, payment mechanism details and other sensitive information will not be stored in www.jrodwrites.com data servers.

Such information will be retained by a third party who will provide www.jrodwrites.com with a payment gateway to process payments. The payment gateway will be in the third party’s servers and responsibility.

For payments, when User purchases any service from the Site, User will be automatically directed to the third party’s website which contains the payment mechanism. All payment card details and payment mechanism details will be stored with the third party.

Consequently, www.jrodwrites.com will not have access or retain any payment card or payment mechanism details, and will not be liable in any way in this regard.

Force Majeure

In addition to applicable disclaimers stated above, www.jrodwrites.com performance under these Terms of Service shall be excused, and www.jrodwrites.com will not be liable in any way to you or to any third person in the event of interruption and/or delay due to force majeure or causes beyond its reasonable control (including but not limited to acts of God, acts of any government or legal authority, war or other hostility, civil disorder, the elements, fire, flood, earthquake, explosion, embargo, acts of terrorism, power failure, equipment failure, industrial or labor disputes or controversies, acts of any third party data provider or other third party information provider, third party software, or communication method interruptions) or for the failure of or damage or destruction to your computer systems, data or records or any part thereof, or for delays, losses, errors or omissions resulting from the failure or mismanagement of any telecommunications or computer equipment or software.

Technical Problems

In the event technical problems related to the usage of the internet delay or prevent you from accessing the Site, www.jrodwrites.com and any of its agents or service providers shall not be liable for any technical problems, system failures and malfunctions, communication line failures, equipment or software failures or malfunctions, system access issues, system capacity issues, high internet traffic demand, security breaches and unauthorized access, and other similar computer problems and defects.

www.jrodwrites.com does not guarantee that you will be able to access or use the Site at times or locations of your choice, and does not warrant that the Site will be accessible in all geographic locations.

www.jrodwrites.com shall not be liable for any interrupted or error service. www.jrodwrites.com will not be responsible for an impossibility to execute orders and requirements due to failures in the operation of informational systems caused by technical faults, which are beyond its control.

Intellectual Property Rights

Intellectual Property Rights shall mean any patent, copyright, trademark, trade names, brands, domain names, logos or slogans or trade secret applicable to processes, specifications, methodologies, procedures, and trade secrets, software, tools, texts and files, literary work or other work of authorship, including documentation, reports, drawings, charts, graphics and other written documentation.

All rights, titles and interests in and to the contents of the Site are the sole proprietorship of www.jrodwrites.com and are protected by copyright, patent and trademark laws, and international treaties.

However, authors, information providers, and exchanges shall be the owners of copyrights in relation to their data, articles, reports, courses, materials. The information and materials are those of the author(s) and do not necessarily reflect the official opinion of www.jrodwrites.com. Neither www.jrodwrites.com’s institutions and bodies nor any person acting on their behalf may be held responsible for the use which may be made of the information contained therein.

www.jrodwrites.com shall not be liable towards the authors for any infringement, violation, breach committed by themselves or by Users.

You agree not to delete any copyright notices or other indications of protected Intellectual Property Rights from materials that you print or download from the Site. You will not obtain any Intellectual Property Rights or any right or license to use such materials or the Site, other than as expressly set out in these Terms of Service.

Images displayed on the Site are either the property of www.jrodwrites.com or its licensors. You agree not to upload, post, reproduce or distribute any information, software or other material protected by copyright or any other Intellectual Property Rights (as well as rights of publicity and privacy) without first obtaining the permission of the owner of such rights and the prior written consent of www.jrodwrites.com.

Nothing contained on the Site may be construed as granting, by implication, estoppels, or otherwise, any license or right to use any of the Intellectual Property Rights without the written permission of www.jrodwrites.com. Your use of Intellectual Property Rights, or any other content of the Site, except as provided herein, is strictly prohibited.

No Redistribution Rights

You agree that you will not redistribute copy, amend, or commercially exploit any materials found on the Site without www.jrodwrites.com express written permission, which may be withheld at www.jrodwrites.com sole discretion.

For this purpose you will not: (i) copy or modify any part of the materials/information available on the Site; (ii) use or provide the materials/information in a service bureau or application service provider environment, on a white-labeled basis, or otherwise, for the benefit of any third party (other than third parties to the extent they are expressly permitted under these Terms of Service to receive access to the materials/information); (iii) use any materials, or communications facilities or networks provided by or on behalf of www.jrodwrites.com, other than to receive and properly use the materials/information.

Breach

You agree to fully indemnify, defend and hold harmless www.jrodwrites.com, its owners, mother companies, affiliates, officers, directors, agents, partners, representatives, shareholders and employees immediately upon demand from and against all claims, demands, liabilities, damages, losses, costs and expenses, including legal fees (legal fees, costs of investigation and court costs) and other charges whatsoever, howsoever caused, that may arise out of your use of the Site, or any entity thereof, your connection to the Site, any breach in whole or in part of these Terms of Service by you or violation by you of any law or the rights of any third party, or any third party applications, software, information, content, and/or materials you post or share on or through the Site.

www.jrodwrites.com reserves the right to take any action as it deems fit, including but not limited to the termination of any agreement with you, the termination or block of the services offered to you via the Site, and/or legal actions against you, requesting financial damages and indemnification.

Severability

If any provision of these Terms of Service shall be considered invalid or unenforceable to any extent, the remainder conditions and provisions of these Terms of Service shall not be affected thereby and shall be in full force and effect to the greatest extend permitted by law.

Governing Law and Dispute Settlement

All disputes arising in connection with the Terms of Service, the Privacy Policy and the Risk & Responsibility shall be finally settled under the Rules of Conciliation and Arbitration of the International Chamber of Commerce in Dubai by one arbitrator appointed in accordance with said Rules. All proceedings there under shall take place in Dubai (United Arab Emirates). Arbitration shall be in English. The arbitral award shall be final and binding for both parties.

The Terms of Service, the Privacy Policy and the Risk & Responsibility shall be governed by, and construed in accordance with the laws of the United Arab Emirates.

NOTHING IN THESE TERMS OF SERVICE WILL CREATE ANY OBLIGATION ON WWW.JRODWRITES.COM TO PURSUE OR CONSUMMATE ANY BUSINESS OR OTHER RELATIONSHIP WITH YOU.