Terms of Service

Welcome to Poor Man's Stocks. By accessing and using our website at valueofstock.com (the “Site”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree with these Terms, please do not use the Site.

1. Acceptance of Terms

By accessing or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. We reserve the right to modify these Terms at any time. Your continued use of the Site after changes constitutes acceptance of the updated Terms.

2. Not Financial Advice

The content on this Site is for educational and informational purposes only and does not constitute financial advice, investment advice, trading advice, or any other type of advice.

You should not treat any of the Site's content as a recommendation to buy, sell, or hold any security or investment. We are not registered investment advisors, broker-dealers, or financial planners. Always perform your own due diligence and consult with a qualified financial professional before making any investment decisions.

3. No Guarantees

Past performance of any stock, strategy, or investment approach is not indicative of future results. All investments involve risk, including the potential loss of principal. We make no guarantees about the accuracy, completeness, or timeliness of the information on this Site.

4. Intellectual Property

All content on this Site — including text, graphics, logos, images, data compilations, and software — is the property of Poor Man's Stocks and is protected by copyright and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without prior written consent.

You may share links to our articles and reference brief excerpts with proper attribution (including a link back to the original article).

5. User Conduct

You agree not to:

• Use the Site for any unlawful purpose
• Attempt to gain unauthorized access to any part of the Site
• Interfere with or disrupt the Site's operation
• Scrape or harvest data from the Site without permission
• Use the Site to transmit malware or other harmful code

6. Third-Party Links and Advertisements

The Site may contain links to third-party websites and display advertisements served by third-party ad networks (including Google AdSense). We are not responsible for the content, accuracy, or practices of these third-party sites. Your interactions with third-party sites are governed by their own terms and privacy policies.

Some links on our Site may be affiliate links, meaning we may earn a commission if you make a purchase through them. This does not affect our editorial independence or the price you pay.

7. Newsletter

By subscribing to our newsletter, you agree to receive periodic emails from us. You can unsubscribe at any time using the link provided in each email. We will not sell or share your email address with third parties for their marketing purposes.

8. Limitation of Liability

To the fullest extent permitted by law, Poor Man's Stocks and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or reliance on any information provided on the Site, including but not limited to investment losses.

9. Indemnification

You agree to indemnify and hold harmless Poor Man's Stocks and its operators from any claims, damages, losses, or expenses arising from your use of the Site or violation of these Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States. Any disputes arising under these Terms shall be resolved in the appropriate courts.

11. Contact

If you have any questions about these Terms, please contact us at: info@creed.services