TERMS OF USE

Daily Research Guide

Effective Date: October 28, 2025

1. Acceptance of Terms

By accessing or using our Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. These Terms apply to all visitors, users, and others who access or use the Website.

We reserve the right to modify these Terms at any time at our sole discretion. We will notify you of material changes by posting the updated Terms on this page with a new effective date. Your continued use of the Website after changes are posted constitutes your acceptance of the modified Terms.

2. Use of the Website

2.1 Eligibility

You must be at least 13 years old to use our Website. If you are under 18, you must have permission from a parent or legal guardian. By using the Website, you represent and warrant that you meet these eligibility requirements and that all information you provide is accurate and truthful.

2.2 License to Use

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the Website for personal, non-commercial purposes. This license does not include any right to:

• Modify, copy, distribute, or create derivative works from our content
• Reverse engineer or decompile any aspect of the Website
• Use the Website for any commercial purpose without our written consent
• Remove any copyright, trademark, or other proprietary notices

2.3 Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Use the Website for any illegal purpose or in violation of any local, state, national, or international law
• Attempt to gain unauthorized access to our systems, networks, or other users' accounts
• Interfere with, disrupt, or overburden the Website or servers
• Upload or transmit viruses, malware, or other harmful code
• Collect or harvest information about other users without their consent
• Impersonate any person or entity, or falsely state or misrepresent your affiliation
• Post or transmit any harassing, threatening, defamatory, obscene, or offensive content
• Use automated systems (bots, scrapers, crawlers) without our express written permission
• Engage in any activity that could damage, disable, or impair the Website
• Circumvent or attempt to circumvent any security features
• Use the Website to spam, phish, or distribute unsolicited communications

3. User Accounts

If you create an account on our Website, you are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Ensuring your account information is accurate and up-to-date
• Notifying us immediately of any unauthorized use of your account

We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent, abusive, or illegal activity. You may not transfer or assign your account to another person without our prior written consent.

4. User Content

4.1 Your Content

You may have the opportunity to submit, post, or upload content to the Website, including text, images, videos, comments, or other materials ("User Content"). You retain all ownership rights to your User Content.

By submitting User Content to our Website, you grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, sublicensable, and transferable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display your User Content in connection with operating, promoting, and improving the Website and our services.

4.2 Content Standards

Your User Content must not:

• Violate any applicable laws or regulations
• Infringe on the intellectual property, privacy, or other rights of others
• Contain hate speech, threats, harassment, or discriminatory content
• Include false, misleading, or deceptive information
• Contain spam, advertising, or promotional material without our permission
• Include personal information of others without their consent
• Promote illegal activities or violence
• Contain sexually explicit or obscene material

4.3 Content Monitoring and Removal

We reserve the right, but have no obligation, to monitor, review, or remove any User Content at our sole discretion. We may remove User Content that violates these Terms or is otherwise objectionable without prior notice. We are not responsible for monitoring all User Content and assume no liability for content posted by users.

5. Intellectual Property Rights

5.1 Our Content

All content on the Website, including but not limited to text, graphics, logos, images, videos, software, code, and other materials ("Our Content"), is the property of Daily Research Guide or its licensors and is protected by copyright, trademark, patent, and other intellectual property laws.

You may not use Our Content without our prior written permission, except as expressly permitted by these Terms or by applicable law (such as fair use).

5.2 Trademarks

"Daily Research Guide" and related logos, marks, and trade names are trademarks of Daily Research Guide. You may not use these trademarks without our express written consent. All other trademarks appearing on the Website are the property of their respective owners.

5.3 Copyright Complaints

We respect the intellectual property rights of others. If you believe that content on our Website infringes your copyright, please contact us with the following information:

• Identification of the copyrighted work claimed to have been infringed
• Identification of the material claimed to be infringing
• Your contact information
• A statement that you have a good faith belief that the use is not authorized
• A statement that the information is accurate and that you are authorized to act

6. Third-Party Links and Services

Our Website may contain links to third-party websites, services, or resources that are not owned or controlled by us. We provide these links for your convenience, but we have no control over and assume no responsibility for:

• The content, privacy policies, or practices of third-party websites
• The accuracy or reliability of information on third-party sites
• Any damage or loss caused by your use of third-party services

You acknowledge and agree that we shall not be liable, directly or indirectly, for any damage or loss caused by your use of any third-party websites or services. We encourage you to review the terms and privacy policies of any third-party websites you visit.

7. Disclaimer of Warranties

The website is provided "as is" and "as available" without warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties regarding the accuracy, reliability, or completeness of content
• Warranties that the website will be uninterrupted, error-free, or secure
• Warranties that defects will be corrected

We do not warrant that the Website will meet your requirements or that any information obtained through the Website will be accurate or reliable. Your use of the Website is at your sole risk.

8. Limitation of Liability

To the fullest extent permitted by law, Daily Research Guide and its officers, directors, employees, agents, licensors, and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Website
• Any conduct or content of any third party on the Website
• Any content obtained from the Website
• Unauthorized access, use, or alteration of your transmissions or content

In no event shall our total liability to you for all claims arising from or related to the website exceed the amount you paid us, if any, to access the website in the twelve (12) months preceding the claim, or one hundred dollars ($100), whichever is greater.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for incidental or consequential damages. Accordingly, some of the above limitations may not apply to you.

9. Indemnification

You agree to indemnify, defend, and hold harmless Daily Research Guide and its officers, directors, employees, agents, licensors, and service providers from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or in any way connected with:

• Your access to or use of the Website
• Your User Content
• Your violation of these Terms
• Your violation of any rights of another person or entity
• Your violation of any applicable laws or regulations

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense of such claims.

10. Termination

We may terminate or suspend your access to the Website immediately, without prior notice or liability, for any reason, including but not limited to:

• Breach of these Terms
• Fraudulent, abusive, or illegal activity
• At our sole discretion

Upon termination, your right to use the Website will immediately cease. You may also terminate your account at any time by discontinuing use of the Website and contacting us to delete your account.

All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

11. Governing Law and Dispute Resolution

11.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Daily Research Guide operates, without regard to its conflict of law provisions.

11.2 Dispute Resolution

Any disputes arising out of or relating to these Terms or the Website shall be resolved as follows:

• Informal Resolution: Before filing a claim, you agree to contact us to attempt to resolve the dispute informally
• Binding Arbitration: If informal resolution fails, disputes shall be resolved through binding arbitration in accordance with the rules of the applicable arbitration association
• Class Action Waiver: You agree to resolve disputes on an individual basis and waive any right to participate in a class action

Either party may seek injunctive relief in court to protect intellectual property rights or confidential information.

12. General Provisions

12.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Daily Research Guide regarding your use of the Website and supersede all prior agreements and understandings, whether written or oral.

12.2 Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions will remain in full force and effect. The invalid or unenforceable provision will be modified to the minimum extent necessary to make it valid and enforceable.

12.3 Waiver

No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or any other term. Our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

12.4 Assignment

You may not assign or transfer these Terms or your rights under these Terms without our prior written consent. We may assign or transfer these Terms without restriction. Any attempted assignment in violation of this section shall be void.

12.5 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, strikes, or government actions.

12.6 No Agency

Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and Daily Research Guide.

13. Contact Information