Terms of Use

ALL USERS! BEFORE ACCESSING THIS SITE, PLEASE READ THIS AGREEMENT CAREFULLY AS IT GOVERNS USE OF THIS SITE AND ANY MATERIAL AVAILABLE THROUGH THE SITE BY YOU AND YOUR FIRM.

This User Agreement ("Agreement") is a legally binding contract between you, your firm, and InsiderMonkey.com ("Insider Monkey"). This agreement governs your use of services we provide to you through insidermonkey.com and other communication tools, such as email, smart phones and third-party content delivery methods.

IF YOU DO NOT AGREE WITH THE TERMS AND CONDITIONS OF THIS AGREEMENT, YOU ARE NOT GRANTED PERMISSION BY INSIDER MONKEY TO ACCESS OR OTHERWISE USE THIS WEB SITE ("SITE").

  1. Grant of License. This Site and the materials and information available on or through it are provided by Insider Monkey as a service to its users. This Agreement provides you and your firm (hereinafter, "User" or "You"), with a limited, revocable, nonexclusive, nontransferable license to use this Site conditioned on User's continued compliance with this Agreement.

    User may print and download materials and information on this Site solely for personal use or as provided in another agreement between Insider Monkey and your firm, provided that all hard copies contain all copyright and other applicable notices contained in such materials and information.

    Notwithstanding the foregoing and except as otherwise expressly permitted herein, User may not modify, copy, distribute, broadcast, transmit, reproduce, publish, license, transfer, sell, mirror, frame, or otherwise use any information or material obtained from or through this Site. As a further condition of use of this Site, User shall not use this Site for any purpose that is unlawful or prohibited by this Agreement and shall comply with any applicable local, state, national, or international laws or regulations when using this Site.

  2. Changes to the Terms of Use and Our Services. We reserve the right to change terms and conditions of use, change or eliminate the Services we provide, and change the fees and charges for the Services we provide. Any changes we make to these items will be effective immediately. That's why you should frequently check our terms of use.

  3. No Recommendations or Investment Advice. Insider Monkey does not provide investment advice or recommendations about investments of any kind. The information on this Site is intended for educational, informational, entertainment and research purposes only. Accordingly, Insider Monkey and its licensors who license information to Insider Monkey ("Information Providers") do not offer advice regarding the quality or suitability of any investment or of any investment manager and assume no responsibility or liability for any investment decisions or advice, treatment, or services rendered by any institutional investor, expert panelist, broker-dealer, investment manager, investment professional, or any other person featured on this Site. Prior to making any investment or to hiring any investment manager, User should consult with its financial advisors to verify pricing and other information and/or do such other due diligence as may be appropriate under the circumstances. Insider Monkey and its Information Providers shall not have any liability for investment decisions based upon, or the results obtained from, the content provided on the Site. To the extent any of the content published as part of the Services may be deemed to be investment advice, such information is impersonal and not tailored to the investment needs of any specific person.

    You understand that the Services may contain opinions from time to time with regard to securities mentioned in other Services, and that those opinions may be different from those obtained by using another portion of the Services.

    To the extent any of our Services involves a model portfolio or an actual portfolio of investments, as described below, such portfolio of investments is chosen by the author in accordance with their stated investment strategy. Your actual results may differ from results reported for the portfolio for many reasons, including, without limitation:

    • performance results for the portfolio may not reflect actual trading commissions that You may incur;
    • performance results for the portfolio may not account for the impact, if any, of certain market factors, such as lack of liquidity, that may affect Your results;
    • the investments chosen for the portfolio may be volatile, and although the "purchase" or "sale" of an investment in a portfolio will not be effected in the portfolio until 15 minutes after an email alert has been issued from Insider Monkey server, delivery delays and other factors may cause the price You obtain to differ substantially from the price at the time the alert was sent; and
    • the prices of investments in the portfolio at the point in time You begin subscribing to our premium services may be higher than such prices at the time such investments were chosen for inclusion in the portfolio.
  4. Intellectual Property Rights. All material contained on or available through this Site, unless otherwise indicated, is protected by law including, but not limited to, United States copyright, trade secret, and trademark law, as well as other state, national, and international laws and regulations. Except as expressly provided herein, Insider Monkey does not grant any express or implied right to User of this Site under any patent(s), copyright(s), trademark(s), or trade secret information. Accordingly, unauthorized use of any material contained on this Site may violate copyright laws, trademark laws, trade secret laws, patent laws, the laws of privacy and publicity, and other regulations and statutes. Please be aware that Insider Monkey actively and aggressively enforces its intellectual property rights to the fullest extent of the law.

    The contents of this Site are Copyright © Koalaguide LLC. All rights reserved. Insider Monkey also owns a copyright in the Site as a collective work and/or compilation, and in the selection, coordination, arrangement, and enhancement of this Site's content.

    Insider Monkey, and all other names, logos, and icons identifying Insider Monkey products and services are proprietary marks of Insider Monkey, and any use of such marks without the express written permission of Insider Monkey is strictly prohibited. Other product and company names mentioned herein may be the trademarks of their respective owners.

  5. Sign-In Name and Password Policy; Confidentiality. Use of certain portions of this Site requires both sign-in information and a password. During the registration process for this Site, an individual will use his/her email address as the Sign-In Name ("Sign-In Name") and a password ("Password") to gain access to the restricted areas of this Site. Each Sign-In Name and corresponding Password can only be used by one individual. Anyone with knowledge of both an individual's Sign-In Name and Password can gain access to the restricted portions of this Site and the information available to each user. Accordingly, User shall keep its Password confidential.

    User shall promptly notify Insider Monkey if it becomes aware of any loss or theft of a User Password or any unauthorized use of a User Password. Insider Monkey reserves the right to delete or change a User Password at any time and for any reason.

    All information disclosed to User in connection with its use of the Site, including, without limitation any information that relates to or involves any investment manager, separate account or fund, including information relating to an investment manager's, a separate account's or a fund's performance, favorite stock picks, and alpha (collectively, "Confidential Material") is of a proprietary and confidential nature and damage to Insider Monkey and /or the separate accounts, funds and/or the investment managers could result if the Confidential Material is disclosed to any third party. Confidential Material shall not include material or information that User can demonstrate by written records is (i) already in the possession of or known to User, (ii) generally available to the public other than as a result of an unauthorized disclosure by User or its Representative (as defined below, or (iii) that becomes available to User from a source other than the Site or other than any other communication from Insider Monkey.

    Except as required by law, the Confidential Material will be kept confidential by User and will not be disclosed in any manner whatsoever, except that User may disclose all or portions of the Confidential Material to its directors, officers, employees, agents, affiliates, representatives and advisors (collectively the "Representatives") who need to know such information for the purpose of evaluating an investment in any of the investment products on the Site. User shall inform its Representatives of the confidential nature of the Confidential Material and shall direct its Representatives to treat such information confidentially and otherwise to comply with the terms of this Agreement. In addition, User and its Representatives may disclose to any person who has a beneficial interest in a fund on the Site the Confidential Material with respect to such fund. User shall maintain a complete and accurate record of all persons to whom the Confidential Material is given. User shall be responsible for any breach of this Agreement by any of its Representatives and User will, at its sole expense, use its best efforts (including, but not limited to, court proceedings) to restrain its Representatives from prohibited or unauthorized disclosure or use of the Confidential Material.

    User understands and agrees that money damages would not be an adequate remedy for any breach of this Agreement and that Insider Monkey shall be entitled to equitable relief, including injunctions and specific performance, if User or its Representatives breach or threaten to breach any provision of this Agreement. Such remedies shall not be deemed to be the exclusive remedies for a breach or threatened breach by User or its Representatives of this Agreement but shall be in addition to all other remedies available at law or equity to Insider Monkey. User further agrees to waive any requirement for the posting of a bond in connection with any such equitable relief. In the event of litigation relating to this Agreement, if a court of competent jurisdiction determines in a final, nonappealable order that User has breached this Agreement, then User shall be liable and pay to Insider Monkey the reasonable legal fees Insider Monkey incurs in connection with such litigation, including any appeal therefrom.

  6. Subscription Cancellation of Premium Service. YOU SHOULD READ THESE TERMS CLOSELY BEFORE YOU SUBSCRIBE FOR A PREMIUM SERVICE.

    During the free-trial portion of Your subscription, if any, You may cancel Your subscription to the Premium Service at any time and not be billed by notifying Insider Monkey. Upon the commencement of your subscription (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 credit card will be billed the applicable subscription fee and Your paid subscription will commence. If You are a quarterly subscriber, You will not receive a refund or reimbursement of Your quarterly subscription fee. If You cancel Your quarterly subscription, You will not be charged any future quarterly subscription fees. If you are an annual subscriber, you may get a refund that is equal to annual subscription fee less quarterly subscription fee only if you cancel within 30 days.

    Your subscription will continue and renew automatically at the end of its term, unless you notify us of Your decision not to renew Your subscription.

  7. Confidentiality on Internet. Use of the internet is solely at your own risk and is subject to all applicable local, state, national, and international laws and regulations. While Insider Monkey has endeavored to create a secure and reliable Site, please be advised that the confidentiality of any communication or material transmitted to/from this Site over the internet cannot be guaranteed.

    Accordingly, Insider Monkey and its affiliates are not responsible for the security of any information transmitted via the internet, the accuracy of the information contained on the Site, or for the consequences of any reliance on such information. User assumes sole and complete risk for using this Site and must make his or her own determination as to these matters.

  8. Security of Site. Actual or attempted unauthorized use of the Site may result in criminal and/or civil prosecution. For your protection, Insider Monkey reserves the right to view, monitor, and record activity on the Site without notice or permission from you. Any information obtained by monitoring, reviewing, or recording is subject to review by law enforcement organizations in connection with investigation or prosecution of possible criminal activity on the Site. Insider Monkey will also comply with all court orders, subpoenas and other legal processes involving requests for such information.

  9. Site Content. The information and materials found on this Site are not an offer to sell or a solicitation of an offer to buy any security or investment product or service, nor shall any such security, product, or service be offered or sold to any person, in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction. The information and materials on this site also are not a recommendation, endorsement, or solicitation for any investment manager or its services. Any securities, investments, or investment managers mentioned are not recommendations of Insider Monkey. All financial and investment information and materials on this Site, as well as reference materials or links to other sites, are for general educational, informational, and research purposes only, and are not intended to be relied upon for transactional or other purposes. Neither Insider Monkey nor any Information Provider verifies, guarantees or warrants that the information on this Site, including without limitation performance information concerning investment managers, separate accounts and/or funds, is accurate or complete or makes any warranties with regard to the results that have or may be obtained from its use. Past performance of any security or investment manager is not an indication of future performance.

  10. Investment Availability. User acknowledges that Insider Monkey provides no assurances as to the availability of an investment in any of the separate accounts or funds on the Site. User acknowledges that each investment with an investment manager, or in a separate account or fund will require User to comply with each such investment manager's, separate account's or fund's investment requirements. User acknowledges that Insider Monkey does not act as an agent on behalf of User or any investment manager, separate account, fund or sponsor for investment orders and that a manager or fund may accept or reject an investment from User in its discretion

  11. Links to Other Sites. Insider Monkey may provide links, in its sole discretion, to other web sites for the convenience of its users in locating related information and services. These sites have not necessarily been reviewed by Insider Monkey and are maintained by third parties over which Insider Monkey exercises no control. Accordingly, Insider Monkey expressly disclaims any responsibility for the content, the accuracy of the information, and/or quality of products or services provided by or advertised on these third-party web sites. Moreover, these links do not imply an endorsement with respect to any third party or any web site or the products or services provided by any third party.

  12. Events Beyond Insider Monkey's or Information Provider's Control. Users expressly absolve and release Insider Monkey and its Information Providers from any claim of harm resulting from a cause beyond their control, including, but not limited to, failure of electronic, computer or other mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes or other labor problems, wars, terrorism or governmental restrictions.

  13. DISCLAIMERS. THE INFORMATION, PRODUCTS, AND SERVICES AVAILABLE ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS OR OMIT MATERIAL INFORMATION. MOREOVER, INSIDER MONKEY MAY MAKE MODIFICATIONS AND/OR CHANGES IN THIS SITE OR IN THE INFORMATION, PRODUCTS, AND SERVICES DESCRIBED IN THIS SITE AT ANY TIME, FOR ANY REASON.

    USER ASSUMES THE SOLE RISK OF MAKING USE AND/OR RELYING ON THE INFORMATION, PRODUCTS, AND SERVICES AVAILABLE ON THIS SITE. INSIDER MONKEY AND ITS INFORMATION PROVIDERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, COMPLETENESS, TIMELINESS, RELIABILITY, LEGALITY, OR ACCURACY OF THE INFORMATION, PRODUCTS, AND SERVICES DESCRIBED OR CONTAINED ON THIS SITE FOR ANY PURPOSE. ALL SUCH INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, INCLUDING ANY IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT.

    IN NO EVENT SHALL INSIDER MONKEY OR ITS INFORMATION PROVIDERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, PRODUCTS OR SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE UTILIZATION OF THIS SITE, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF INSIDER MONKEY OR SUCH INFORMATION PROVIDER HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY. IF SUCH ABOVE LIMITATION DOES NOT APPLY, TOTAL LIABILITY FOR INSIDER MONKEY AND ITS INFORMATION PROVIDERS FOR ANY REASON WHATSOEVER RELATED TO USE OF THIS SITE SHALL NOT EXCEED THE TOTAL AMOUNT PAID BY USER TO INSIDER MONKEY IN CONNECTION WITH THE SUBJECT MATTER OF THE PARTICULAR DISPUTE.

  14. Indemnity. User shall defend, indemnify, and hold harmless Insider Monkey and its Information Providers and their respective affiliates and all of their employees, agents, directors, officers, proprietors, partners, representatives, shareholders, servants, attorneys, predecessors, successors, and assigns, from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs, and expenses (including reasonable attorneys' fees and litigation expenses), relating to or arising from User's use of the Site, any arrangements User makes based on the information available on or through the Site, and any breach by User of this Agreement or other improper act or omission

  15. Submissions. Insider Monkey also welcomes feedback and suggestions about how to improve this Site. Any ideas, suggestions, information, know-how, material, or any other content (collectively, "content") received through this Site, however, will be deemed to include a royalty-free, perpetual, irrevocable, nonexclusive right and license for Insider Monkey to adopt, publish, reproduce, disseminate, transmit, distribute, copy, use, create derivative works, display, (in whole or part) worldwide, or act on such content without additional approval or consideration, in any form, media, or technology now known or later developed for the full term of any rights that may exist in such content, and User hereby waives any claim to the contrary.

  16. Privacy Policy. Insider Monkey gathers two types of data about our users: personal information and tracking information. Currently, we do not require users to become members of Insider Monkey in order to have access to the free commentary, analysis and news available on Insider Monkey. However, if you would like to receive one or more of our newsletters and certain services we require you to register to become a member. In order to register, you will have to supply us with your email address and choose a unique User Name and Password and fill out the registration form. Tracking information is automatically collected about all visitors to our sites. This information consists of both individual and aggregated tracking information and is automatically gathered using "cookies." A cookie is a small data file containing information, such as a user's login name, that is written to the user's hard drive by a web server and used to track the pages visited. In addition to cookies placed by Insider Monkey or its agents, advertisers and third-party advertising vendors, including Google, that serve ads onto our web sites, and other third party partners may use their own cookies or other tracking technologies for advertising or other purposes. We cannot be responsible for the privacy policies or practices of any such advertisers and vendors.

    Insider Monkey does not sell or disclose personal information about you described above to with other people or nonaffiliated companies, except to provide you with products or services, when we have your permission, or under the following circumstances:

    • In response to subpoenas, court orders, or legal process, or otherwise to cooperate with law enforcement agencies or state and federal regulators;
    • We provide the information to our subsidiaries and affiliated companies;
    • We provide the information on a confidential basis to nonaffiliated companies we engage as contractors or agents to perform services for us, such as maintaining software. Information will be shared with such contractors only to the extent reasonably necessary for them to perform services on our behalf, and pursuant to confidentiality obligations;
    • If we sell or otherwise transfer substantially all of our assets related to any web site that we own or operate and any product or service that we offer. In that event, we will require such third party to honor our then-current Privacy Policy, until the third party provides you with notice of changes to our Privacy Policy and permits you to exercise any rights you may have under applicable law to limit disclosures of information about you;
    • We may disclose all the information we collect as described above to other companies such as direct marketers to perform marketing services on our behalf, or to third parties with whom we have joint marketing agreements; and
    • We may share with third parties certain pieces of aggregated, non-personal information, such as the number of users who clicked on a particular link or how many users clicked on a particular advertisement. Such information does not identify you individually.
  17. User Conduct. You may not republish, upload, post, transmit or distribute content available through the Services to online bulletin boards, message boards, newsgroups, chat rooms, or in other any manner, without our prior written permission. Modification of the content or use of the content for any purpose other than Your own personal, noncommercial use is a violation of our copyright and other proprietary rights, and can subject You to legal liability.

    In addition, in connection with Your use of the Services, You agree not to:

    • Restrict or inhibit any other visitor from using the Services, including, without limitation, by means of "hacking" or defacing any portion of any of our websites;
    • Use the Services for any unlawful purpose;
    • Modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of the Services or any of our websites;
    • "Frame" or "mirror" any content available through the Services or any of our websites without our prior written authorization;
    • Use any robot, spider, site search/retrieval application, or other manual or automatic device or process to download, retrieve, index, "data mine", or in any way reproduce or circumvent the navigational structure or presentation of the content available through the Services or any of our websites; or
    • Harvest or collect information about users of the Services without their express consent.

    You also agree that at all times You will:

    • Comply with all applicable laws, rules and regulations in connection with Your use of the Services and the content made available therein;
    • Be responsible for all statements made and acts or omissions that occur on Your user account while Your password is being used;
    • Waive any and all rights against Insider Monkey and hold Insider Monkey harmless in connection with any claims relating to any action taken by Insider Monkey as part of its investigation of a suspected violation or result of its conclusion that a violation of the terms of use has occurred, including but not limited to the removal of posts or a suspension or termination of Your membership account; or
    • Maintain and promptly update Your registration data to keep it true, accurate, current and complete.
  18. Governing Law. This Agreement has been made in and will be construed and enforced in accordance with New Jersey law, as applied to agreements entered into and completely performed in New Jersey. Any action to enforce this Agreement will be brought in the federal or state courts presiding in New Jersey, and all parties to this Agreement expressly agree to be subject to the jurisdiction of such courts. This Site is controlled and operated by Insider Monkey from its offices within the United States. Insider Monkey makes no representation that materials in the Site are appropriate or available for use in other locations, and access to them from territories where any of the contents of this Site are illegal is prohibited. Those who choose to access this Site from other locations do so on their own volition and are responsible for compliance with applicable local laws.

  19. Termination. Insider Monkey reserves the right at any time and for any reason in its sole discretion to deny User access to the Site or any portion thereof, and to terminate the license to use the Site granted pursuant to this Agreement. Termination will be effective without notice.

  20. Waiver. Failure to insist on strict performance of this Agreement will not operate as a waiver of any subsequent default or failure of performance. No waiver by Insider Monkey of any right under this Agreement will be deemed to be either a waiver of any other right or provision or a waiver of that same right or provision at any other time. No waiver shall be effective unless in writing.

  21. Admissibility. A printed version of this Agreement and of any related notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

  22. Severability. If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and the liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most clearly matches the intent of the original provision and the remainder of this Agreement shall continue in effect.

  23. User/Insider Monkey. No joint venture, partnership, employment, or agency relationship exists between User and Insider Monkey as a result of this Agreement or User's use of this Site.

  24. Reservation of Rights. Any rights not expressly granted herein are reserved.

  25. Entire Agreement. This Agreement, Insider Monkey's Privacy Information, and other written agreements (in electronic or printed form), all of which are hereby incorporated as if set forth fully herein, represent the entire agreement between User and Insider Monkey with respect to use of and material available on or through this Site, and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written between User and Insider Monkey with respect to this Site.

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