Terms & Conditions

Please read our terms of use carefully before use of our website

About us

The LEVIATHAN website "www.leviathanFM.com" ("our site") is issued for all purposes by Leviathan Financial Management LLC and the expression "we" and "our" shall be construed accordingly.

Your use of our site

This Disclaimer sets out the terms on which you may make use of our site, including any hosted software, platform and/or services accessible from our site (such software, platform and/or services, our "Services"). This Disclaimer applies to every page on our site, whether or not such pages are individually disclaimed. Please read this Disclaimer carefully before you start to use our site and/or Services.
BY ACCESSING AND USING OUR SITE AND/OR SERVICES, YOU HAVE INDICATED THAT YOU ACCEPT THIS DISCLAIMER AND THAT YOU AGREE TO ABIDE BY IT AND ANY POLICES INCORPORATED BY REFERENCE HEREIN. IF YOU DO NOT AGREE TO THIS DISCLAIMER, PLEASE REFRAIN FROM USING OUR SITE AND/OR SERVICES.

By using the Site, you agree to be bound by our Terms of Use (the "TOU"). If you do not agree to the terms and conditions contained in the TOU and LEVIATHAN'S privacy policy, please do not access or otherwise use the Site or any information contained herein.
This Disclaimer also incorporates our Cookies and Privacy Policy and, in respect of your access to and use of certain Services and all other rules, policies and procedures that may be published from time to time on our site, each of which is incorporated by reference and each of which may be updated by us from time to time without notice to you.
We may revise this Disclaimer from time to time by updating this page. The revised Disclaimer will take effect from when it is posted. You are expected to check this page from time to time and to take notice of any changes we may have made, as by using our site and/or Services you acknowledge that you have accepted any such amendments.
You must NOT use our site and/or Services (or permit or procure others to use it) as follows:

(A) for any unlawful, improper or illegal purpose or activity;

(B) to violate our or any third party's copyright, trademark, proprietary or other intellectual property rights;

(D) to impersonate any of our employees or other person or use a false name while using our site and/or Services or implying an association with us;

(E) to penetrate our security measures or other entities' systems ("hacking");

(F) to generate excessive amounts of internet traffic, to interfere with our network or other's use of our site and/or Services or to engage in activities designed to or having the effect of degrading or denying service to users of our site and/or Services or others;

(G) to introduce viruses, worms, harmful code and/or Trojan horses onto the internet or into our site and/or Services or any other entity's systems and it is your responsibility to ensure that whatever you download or select for your use from our site and/or Services is free from such items; and/or

(H) to transmit confidential or proprietary information, except solely at your own risk.

Compliance with law and regulation

When using our site and/or Services, you agree you will comply with all applicable local, national and international laws and regulations, including those related to data privacy, international communications and exportation of technical or personal data. It may be illegal to view and/or download the information contained on our site and/or use our Services in certain countries and we and our affiliates disclaim all responsibility if you access or download any information from our site and/or use our Services in breach of any law or regulation of the country in which you are a citizen or in which you are resident or domiciled.

Accuracy of information

We have taken reasonable care to ensure that the information on our site is accurate, current, complete, fit for its intended purpose and compliant with applicable law and regulation as at the date of issue. However, errors or omissions may occur due to circumstances beyond our control and no warranty is given, or representation made, regarding the accuracy, validity or completeness of the information on our site and no liability is accepted by us for the accuracy or completeness of such information. You must conduct your own due diligence and investigations rather than relying on any information on our site.

Access

We reserve the right to deny you access to our site and/or Services, or immediately to suspend or terminate your access to our site and/or Services, or to disable any user name or password (whether chosen by you or allocated by us) at any time (in our sole discretion).

Liability for use of our site

Access to our site and/or Services is permitted on a temporary basis and we reserve the right to withdraw or amend the Services and/or information we provide on, or through, our site without notice. We do not accept any liability if for any reason our site and/or any Service is unavailable at any time or for any period. Our site is provided for informational purposes only and shall not form the basis of, or be relied on in connection with, any contract.

The information and opinions contained in our site have been compiled, or arrived at, by us from sources believed by us to be reliable as at the date of publication. However, the information and any opinions contained on our site are subject to change and for background purposes only. We, our affiliates and other third parties connected to us do not accept any responsibility for any reliance which is placed by any visitor to our site, or by anyone who may be informed of any of its contents, on any information or opinions which are expressed herein and, to the extent permitted by law, expressly exclude all conditions, warranties, representations, undertakings and other terms which might otherwise be implied by statute, common law or in equity.

We, our affiliates and other third parties connected to us therefore expressly exclude any liability and responsibility arising from any reliance placed on such materials and information by any visitor to our site, or by anyone who may be informed of any of its contents, for (i) the accuracy, validity, timeliness, merchantability or completeness of, any information or data (whether prepared by us or by any third party) for any particular purpose or use or that the information or data will be free from error and (ii) any direct, indirect or consequential loss or damage of any kind incurred by any visitor to our site, or by anyone who may be informed of any of its contents, in connection with our site or in reliance on the information or opinions contained in it, or in connection with the use, inability to use, or results of the use of our site or any websites linked to it or materials posted on it or any use of our Services. This does not affect our liability for any loss or damage which cannot be excluded or limited under applicable law.

The internet is not a completely reliable transmission medium and neither we nor any of our affiliates accept any liability for any data transmission errors such as data loss or damage or alteration of any kind or for the security or confidentiality of information transmitted across the internet to or from us or any of our affiliates. Any such transmission of information is entirely at your own risk.

Linked websites

Should you leave our site via a link contained within our site and view content that is not provided by us, you do so at your own risk. We provide links only as a convenience and without liability. In particular, and without limitation, you understand and agree that the ability to link to another website and the fact that a link exists does not mean that we endorse or guarantee such site, the site sponsor or the site contents. The content which you access via such links will not have been developed, checked for accuracy, or otherwise reviewed by us. We make no guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party, including, without limitation, the accuracy, subject matter, quality, sequence or timeliness of any electronic content. Your reliance on any information contained on any site reached through a link shall be your own responsibility. When you leave our site, unless otherwise indicated, you will be subject to the terms of use and privacy policies of the new website which you are visiting. If you reached our site via a link, please be advised that the ability to link to our site and the fact that a link exists does not mean that we necessarily endorse, support, sanction, encourage, verify, or agree with the comments, opinions, or statements posted on the website from which you linked to our site (the "Linking Site"). We are not responsible for any damages or losses arising from any delays, defects or omissions that may exist in the services, information or other content provided in the Linking Site. We make no guarantee or representation as to, and shall have no liability for, any content on any Linking Site, including, without limitation, the accuracy, subject matter, quality, sequence or timeliness of any such content.

Indemnity

You agree to indemnify, defend, and hold harmless us, our affiliates and our officers, partners, employees, and agents from and against any and all claims, liabilities, damages, losses, or expenses, including legal fees and costs, arising out of or in any way connected with your breach of this Disclaimer and/or access to or use of our site and/or Services.

Intellectual property rights

We are the owner or the licensee of all intellectual property rights in our site, the materials published on it, and our Services. Those works are protected by laws and treaties around the world. All such rights are reserved. You may use the materials on our site for your own reference only. Such materials may not otherwise be reproduced, distributed, stored in a data retrieval system or transmitted, in any form or by any means (electronic, mechanical, photocopying, recording or otherwise) without our prior written consent. Nothing on our site and no use of our Services should be construed as granting any license or right in relation to any of our trademarks or those of our affiliates or any third party.

Severability

If any specific term or condition of this Disclaimer is determined by a court of competent jurisdiction to be invalid, void or unenforceable, that determination shall not affect the validity of the remaining provisions of this Disclaimer. Headings used in this Disclaimer are for convenience, are not substantive and shall not be used to interpret or construe any of the provisions contained in this Disclaimer. When used in these this Disclaimer the words "includes" and "including" shall be deemed to be followed by the phrase "without limitation".

Governing Law

This Disclaimer and any non-contractual obligations arising from or connected with it shall be governed by and shall be construed in accordance with US law. US courts will have exclusive jurisdiction over any dispute arising from, or related to, use of our site and/or Services (whether arising out of or in connection with contractual or non-contractual obligations) ("proceedings") and it is a condition of using our site and/or Services that you waive any objection to proceedings in such courts on the grounds of venue or that proceedings have been brought in an inconvenient forum, although we retain the right to bring proceedings against you for breach of this Disclaimer in your country of residence or any other relevant country.

Third parties

For EEA Users: we shall have the benefit of the rights conferred on us by this Disclaimer but otherwise no person who is not a party to this Disclaimer may enforce its terms under the Contracts.

If you have any enquiries in relation to our site, the information on it and/or our Services, please contact support@leviathanfm.com.

Third Party Disclaimers

Amazon Web Services, the "Powered by AWS" logo, are trademarks of Amazon.com, Inc. or its affiliates in the United States and/or other countries." Personal or other data that we collect "Personal data" is any information that relates to you and that identifies you either directly from that information or indirectly, by reference to other information that we have access to. We receive personal data directly from you when you use our site and/or Services by collecting information about your visit and how you interact with our site and/or use our Services (as applicable).

When you visit our site and/or use our Services, we may collect, store, use and share certain information about you in accordance with this Cookies and Privacy Policy, including:

A. information that you provide to us via our site and/or Services (including, without limitation, your email address, name and telephone number);
B. information relating to your use of our Services (including any data and metadata);
C. if you contact us, a record of that correspondence; and
D. details of your visits to our site and the materials and information that you access.

This information is sent from your computer to us in a variety of ways (including by way of cookies, as further explained below).
How we use your personal data
We will only use your personal data fairly and where we have a lawful reason to do so.

We are allowed to use your personal data if we have your consent or another legally permitted reason applies. This includes fulfilling a contract with you or when we have a legal duty to comply with, or when it is in our legitimate business interest to use your personal data. We can only rely on our legitimate business interest, if it is fair and reasonable to do so.

Our use of your personal data depends on how and where you interact with us but generally we expect to use data held about you in the following ways:

A. to support your interaction with us, including to ensure that the content of our site and/or our Services are presented in the most effective manner for you and your computer;
B. to provide you with product material or other information, in each case which you may have requested through our site and/or Services
C. to notify you about changes to our site and/or Services and to ensure the ongoing accuracy and relevance of such data;
D. for general internal research purposes, including to identify and analyze the regularity of the use of our site and/or Services, the nature of users on our site and/or Services, and the use of our Services;
F. to ensure that your use of our site and/or Services complies with the terms of our Disclaimer, our Terms of Use and/or such other policies as may be applicable from time to time; and
G. to design products and services for your use.

We may anonymize your personal data so that you are not individually identified, and provide that information to our partners to understand how often and in what ways people use our site and/or Services. However, we will never disclose aggregate information to a partner in a manner that would identify you individually.

We will only transfer your personal data outside of the European region under the following circumstances: (i) where the transfer is to a country or other territory which has been assessed by the European Commission (or an equivalent UK body) as ensuring an adequate level of protection for personal data; (ii) with your consent; or (iii) on the basis that the transfer is compliant with General Data Protection Regulation and other applicable laws.

Disclosure of your information to third parties We may disclose your personal data to our affiliates in the circumstances described above.

We will take steps to ensure that the personal data is accessed only by employees of such affiliates that have a need to do so for the purposes described in this notice.

We may also share your personal data outside of Leviathan FM and our affiliates:

if we sell any of our business or assets, in which case we may disclose your personal data to the prospective buyer for due diligence purposes; if we are acquired by a third party, in which case personal data held by us about you will be disclosed to the third party buyer; to third party agents or contractors (for example, the providers of our electronic data storage services) for the purposes of providing services to us. These third parties will be subject to confidentiality requirements and they will only use your personal data as described in this privacy notice; to Customers of Leviathan FM for the purpose of providing services to Users; to market data vendors on the site who provide services on the site; and to the extent required by law, for example if we are under a duty to disclose your personal data in order to comply with any legal obligation, establish, exercise or defend our legal rights.

What are cookies?

Cookies are small text files which are placed on our site and/or a Service user's computer to provide us with information about use of our site and/or Services.

Some cookies are deleted when you close down your browser. These are known as session cookies. Others remain on your device until they expire or you delete them from your cache. These are known as persistent cookies and enable us to remember things about you as a returning visitor or user.

To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org. Alternatively, you can search the internet for other independent information on cookies.

Why do we use cookies?

In broad terms we use cookies on our site and/or Services for the following purposes:
A. Analytical purposes: Analytical cookies allow us to recognize, measure and track users of our site and/or Services in anonymous form. The information collected includes the number of visitors to our site and/or users of our Services, where visitors have come to our site from and the pages that they have visited. This helps us to improve the way our site and/or Services work, for example, by determining whether site visitors and/or users of Services can find information easily, or by identifying the aspects of the site and/or Services that are of the most interest to them (as further explained below).
B. Usage preferences: Some of the cookies on our site and/or Services are activated when visitors to our site and/or users of our Services make a choice about their usage of our site and/or Services. Our site and/or Services then 'remember' the settings preferences of the user concerned. This allows us to tailor aspects of our site and/or Services to the individual user.
C. Disclaimer: We use cookies on our site and/or Services to record when a site visitor and/or user of Services has seen a policy, such as this one, or provided consent, such as consent to this policy, our Disclaimer and Terms of Use. This helps to improve the user's experience of our site and/or Services – for example, it avoids a user from repeatedly being asked to consent to the same terms.
D. Session management: The software that runs our site and/or Services uses cookies for technical purposes needed by the internal workings of our servers. For instance, we use cookies to distribute requests among multiple servers, authenticate users and determine what features of our site and/or Services they can access, verify the origin of requests, keep track of information about a user's session and determine which options or pages to display in order for our site and/or Services to function.
E. Functional purposes: Functional purpose cookies store information that is needed by our applications to process and operate. For example, where transactions or requests within an application involve multiple workflow stages, cookies are used to store the information from each stage temporarily, in order to facilitate completion of the overall transaction or request.
7. Your cookie preferences
To make full use of our site and/or Services, your computer or mobile device will need to accept cookies, as our site and/or Services will not function properly without them. In addition, cookies are required in order to provide you with personalized features on our site and/or Services.
8. Third party cookies
When you visit our site and/or use our Services, you may receive cookies that are set by third parties. These cookies are used for the purposes described in the "Why do we use cookies?" section of this policy and, in particular, refer to analytic cookies (described further below). We do not completely control the setting of these third party cookies, so we suggest you might wish to check the third party websites for more information about their use of cookies and how to manage them.
Analytic cookies are used to gather statistics about the use of our site and/or Services in order to improve their performance and design. For these purposes, analytic cookies collect information about your device type, operating system type, browser type, domain, other system settings, IP address, referring URLs, information on actions taken on our site and/or Services and the dates and times of your visits, as well as the country and time zone in which your device is located.
These cookies may be provided by:
Our third-party analytics tool provider, Google Analytics (a web analytics service provided by Google, Inc., whose servers may be in the UK, EU or in the United States of America). Google Analytics is a Google product which helps us understand how people engage with our website, using a set of cookies to collect information and report site usage statistics without personally identifying individual visitors to Google. The information obtained through these cookies may be disclosed to, or collected directly by, Google Analytics. For more information about Google Analytics' cookie and information practices (including the types of cookies used and their expiration date), please visit the link below: Google Analytics. We use Hotjar in order to better understand our users' needs and to optimise this service and experience. Hotjar is a technology service that helps us better understand our users' experience (e.g. how much time they spend on which pages, which links they choose to click, what users do and don't like, etc.) and this enables us to build and maintain our service with user feedback. Hotjar uses cookies and other technologies to collect data on our users' behaviour and their devices. This includes a device's IP address (processed during your session and stored in a de-identified form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), and the preferred language used to display our website. Hotjar stores this information on our behalf in a pseudonymised user profile. Hotjar is contractually forbidden to sell any of the data collected on our behalf. For further details, please see the 'about Hotjar' section of Hotjar's support site.

No Investment Recommendations or Professional Advice

The content on the Site is being provided for information purposes only. The Site does not provide tax, legal, insurance or investment advice, and nothing on the Site should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by LEVIATHAN FINANCIAL MANAGEMENT or any third party. You alone are solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation and for evaluating the merits and risks associated with the use of the information on the Site before making any decisions based on such information or other content. You should consult an attorney or tax professional regarding your specific legal or tax situation.

Past performance is no guarantee of future results. Therefore, you should not assume that the future performance of any specific investment or investment strategy will be profitable or equal to corresponding past performance levels. Inherent in any investment is the potential for loss. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. It should not be assumed that any investments in securities, companies, sectors or markets identified and described were or will be profitable. Levianthan FM is not a fiduciary by virtue of any person's use of or access to the Site. Leviathan FM is not a licensed securities dealer, broker or US investment adviser or investment bank. Copyright, Linking Policy and Trademarks
The Site and the content contained herein, as well as all copyrights, including without limitation, the text, documents, articles, products, software, graphics, photos, sounds, videos, interactive features, services, links, User Submissions (as defined below), third-party apps, and any other content on the Site ("Content") and the trademarks, service marks and logos contained therein are the property of LEVIATHAN FINANCIAL MANAGEMENT and its third-party licensors or providers. You may access and use the Content, and download and/or print out copies of any content from the Site, solely for your personal, non-commercial use. If you download or print a copy of the Content for personal use, you must retain all copyright and other proprietary notices contained therein. You acknowledge that you do not acquire any ownership rights by using the Site LEVIATHAN FINANCIAL MANAGEMENT reserves all rights not expressly granted in and to the Site.
The Site contains links to other Internet websites or links to Content created by third parties which is published on the Site. We neither control nor endorse such other websites or Content, nor have we reviewed or approved any Content that appears on such other websites or on our Site. Please read the terms of use and privacy policy of any such third party sites that you interact with before you engage in any activity. You are solely responsible and liable for your use of and linking to all third party sites. You acknowledge and agree that we shall not be held responsible for the legality, accuracy, or appropriateness of any Content, advertising, products, services, or information located on our Site or any other websites, nor for any loss or damages caused or alleged to have been caused by the use of or reliance on any such content. Similarly, while we endeavor to facilitate the provision of quality apps, we are not responsible for any loss or damages caused or alleged to have been caused by their use.
If you are interested in reprinting, republishing or distributing content from LEVIATHAN FINANCIAL MANAGEMENT, please contact LEVIATHAN FINANCIAL MANAGEMENT to obtain written consent. LEVIATHAN is a trademark and/or service mark of LEVIATHAN FINANCIAL MANAGEMENT or an affiliate. All other trademarks, service marks, and logos used on our web sites are the trademarks, service marks, or logos of their respective owners.
This section shall survive any termination of these Terms Of Use
User Conduct You may not use, copy, display, sell, license, de-compile, republish, upload, post, transmit, distribute, create derivative works or otherwise exploit Content from the Site 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 Site and its services, you agree not to:
Restrict or inhibit any other visitor from using the Site, including, without limitation, by means of "hacking" or defacing any portion of the Site; Use the Site for any unlawful purpose; Express or imply that any statements you make are endorsed by us, without our prior written consent; Modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of the Site; Disable, damage or alter the functioning or appearance of the Site, including the presentation of advertising; "Frame" or "mirror" any part of the Site 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", "scrape", "harvest" or in any way reproduce or circumvent the navigational structure or presentation of the Site or its contents; Harvest or collect information about visitors to the Site without their express consent; Send unsolicited or unauthorized advertisements, spam, chain letters, etc to other users of the Site; Transmit any Content which contains software viruses, or other harmful computer code, files or programs. You also agree to comply with all applicable laws, rules and regulations in connection with your use of the Site and the content made available therein. We aim to prevent, detect and not knowingly facilitate money laundering and terrorism financing activities. You may not use the Site in a manner which violates our anti-money laundering, counter terrorist financing or similar regulatory obligations.
We reserve the right to close, suspend, or limit access to your Subscription, account and/or the Site in the event your use violates such obligations or if, after reasonable inquiry, we are unable to obtain information about you which is required to verify your identity. We may require you to provide additional information or documents to verify your identity, including your date of birth, physical address, taxpayer or other identification number, your physical address, government issued identification document or other information that will allow us to reasonably identify you.
In order to access the services of the Site, you will have to create an account. By creating this account you agree to the following:

You may only maintain a single account

You may never share your account user name or password or knowingly provide or authorize access to your account (including without limitation a "Subscription", as defined below in Section 20); You may never use another user's account without permission; When creating your account, you must provide accurate and complete information; You are solely responsible for the activity that occurs on your account, and you must keep your account password secure; You must notify us immediately of any breach of security or unauthorized use of your account. You will be liable for any use made of your account or password and the losses of by LEVIATHAN FINANCIAL MANAGEMENT or others due to such unauthorized use. We will not be liable for your losses caused by any unauthorized use of your account.

LEVIATHAN FINANCIAL MANAGEMENT has the right to terminate your access to the Site, in its sole discretion.

Overview of Posting Content; Monitoring Content The Site permits the submission of Content by users of the Site, including without limitation comments, articles, links, private messages sent to other registered users through the Site's messaging system and blog sections, including from those who give permission to LEVIATHAN FINANCIAL MANAGEMENT to post their Content ("User Submissions") and the hosting, sharing and publishing of such User Submissions on the Site. LEVIATHAN FINANCIAL MANAGEMENT has the right in its sole discretion and without further notice to you, to monitor, censor, edit, move, delete, and/or remove any and all Content posted on its Site or any Content transmitted by direct messaging or by any other method to or from your Leviathan user account at any time and for any reason. Without limiting the foregoing, LEVIATHAN FINANCIAL MANAGEMENT has the right to delete any comment or Content that it believes, in its sole discretion, does or may violate the TOU of the Site by you.

On user-generated blogs and Comments, LEVIATHAN FINANCIAL MANAGEMENT reserves the right to remove content that violates one of the following principles, as determined by by LEVIATHAN FINANCIAL MANAGEMENT, at our discretion:

No incitement to hatred. Material that promotes hatred toward groups based on race or ethnic origin, religion, disability, gender, age, veteran status, or sexual orientation/gender identity will be removed. No pornography or pedophilia
No direct or veiled threats against any person or group of people.
No copyright infringement. When you upload photos or other materials to our site, you should be sure to respect the copyright of others. Also, you should not remove any metadata found on such materials. We also recommend not to use photos that include people if you're not sure whether the subject signed a release or is the copyright holder.
No plagiarism. This includes posting content verbatim from other sources without proper attribution and/or repurposing content from other sources and presenting it without reference to the content's creator.
No publishing of other people's personal information, such as credit card numbers, Social Security Numbers, and driver's and other license numbers.
No impersonation of others in a manner that is intended to or does mislead or confuse others.
No use for unlawful purposes or for promotion of dangerous and illegal activities. Your account may be terminated and you may be reported to the appropriate authorities.
No spamming, link-spamming or transmitting malware and viruses.
No personal attacks.
No profanity or vulgarity.
No business solicitations or advertising.
No inappropriate, unethical or misleading behavior.
Important note: LEVIATHAN FINANCIAL MANAGEMENT encourages civil, thought-provoking debate and idea-sharing among investors and stock-market followers. In order to maintain a level of discourse appropriate for our user base, we are strongly opposed to trolling, uncivilized discussion, mudslinging, inappropriate language, and blanket dismissal of others' ideas. At our discretion, we may delete comments, StockTalks and Instablogs, and block/delete accounts of users we believe lower the level of discourse and courtesy we strive to engender.

Moderating decisions are subjective, and we strive to make them carefully and consistently. Due to the volume of content, we cannot review moderation decisions with users and cannot reverse decisions.

Our blogs and Content are intended to serve as a discussion center for thoughtful users who make their own investment decisions, with or without the help of a broker. They are not the place for stock touters, cheerleaders or hypesters. We strongly encourage all participants to disclose any positions they have in stocks being discussed.

Without derogating from the above, LEVIATHAN FINANCIAL MANAGEMENT editors, at their discretion, may refrain from posting or remove User Submissions that violate these standards or which are otherwise inappropriate. These standards are designed to ensure that the dialogue on the Site is credible, responsible, intelligent and informative. We cannot guarantee that users will tell the truth, and we will not monitor the veracity of names and positions or the content of any posts. However, by setting out the above guidelines, we hope to raise the credibility of the discussion and foster a spirit of open, honest exchanges of information.

If an author has a business relationship with a company named in an article that he or she has authored, that relationship must be fully and accurately disclosed.

If you have any comments on our policies, or complaints or concerns of any kind about any posts, please contact us at support@leviathanfm.com. We will review all of the information that you communicate to us, but we may not be able to take action or respond directly to each email.

User Submissions; Online Rules of Conduct When you post any User Submission on the Site or give by LEVIATHAN FINANCIAL MANAGEMENT permission to post your Content, you agree to:

Post comments in both tone and content that contribute in a positive and high quality manner to the substantive exchange of information and the subject matter of the Site. Automatically grant LEVIATHAN FINANCIAL MANAGEMENT a royalty-free, perpetual, worldwide, irrevocable, non-exclusive and fully transferable and sublicensable right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display any User Submission (in whole or in part) and/or to incorporate any of your User Submission in other works now or in the future and in any media formats and through any media channels, and you confirm and warrant to LEVIATHAN FINANCIAL MANAGEMENT that you own the copyright in each of your User Submissions and have all the rights, power and authority necessary to grant the above license and rights. LEVIATHAN FINANCIAL MANAGEMENT will use commercially reasonable efforts to attribute material User Submissions to the author.

If you provide any feedback or suggestions to LEVIATHAN FINANCIAL MANAGEMENT regarding the Site or LEVIATHAN FINANCIAL MANAGEMENT's services, including without limitation in response to a survey or in connection with a particular User Submission (collectively, "Feedback"), LEVIATHAN FINANCIAL MANAGEMENT may use such Feedback for any purpose, including without limitation to provide it to authors on their dashboard. In order that we may incorporate such Feedback into LEVIATHAN FINANCIAL MANAGEMENT's Site and/or services, LEVIATHAN FINANCIAL MANAGEMENT alone will own all right, title and interest, including all related intellectual property rights, in and to all such Feedback and you hereby assign such Feedback to LEVIATHAN FINANCIAL MANAGEMENT free of charge.

When you post any User Submission on the Site, you also agree to abide by the following disclosure rules:

To disclose the existence at the time of writing of a long or short position (including stocks, options or other instruments) in any stock mentioned in any User Submission (except for "Comments").
You may not write about a stock with the intention to boost or reduce the stock's price and sell (or buy) the stock into the resulting strength or weakness. If you intend at the time or writing to sell or buy a stock within three days of publication of a User Submission that discusses that stock, you must disclose this intention. Abide by the following conflict of interest rule: You will disclose any material relationships with companies whose stocks you write about in a User Submission or parties that stand to gain in any way from the viewpoint you are outlining. Examples: You must disclose if you are employed by a company whose stock you are writing about; perform consulting for a company you write about; receive paid advertising revenue or any other form of sponsorship fee from a company you write about. This applies to narrow asset classes as well. For example, if you are paid to promote a gold dealer, that must be disclosed in any User Submission about gold. If you choose an alias, be responsible for all statements made and acts or omissions that occur by use of your alias. Waive any and all rights against LEVIATHAN FINANCIAL MANAGEMENT and hold LEVIATHAN FINANCIAL MANAGEMENT harmless in connection with any claims relating to any action taken by LEVIATHAN FINANCIAL MANAGEMENT as part of its investigation of a suspected violation or result of its conclusion that a violation of these TOU has occurred, including but not limited to the removal of User Submission from the Site or a suspension or termination of your access to the Site. Maintain and promptly update your registration data to keep it true, accurate, current and complete. You agree not to:

Choose an alias that is threatening, abusive, offensive, harassing, derisive, defamatory, vulgar, obscene, libelous, hatefully, racially, ethnically or otherwise or objectionable. Post or transmit any Content that you either know or should know is false, deceptive or misleading, or misrepresent or deceive others as to the source, accuracy, integrity or completeness of any comment you post. Post or transmit any Content that is unlawful, harmful or injurious to others, contains software viruses, or other harmful computer code, files or programs, threatening, abusive, offensive, harassing, derisive, defamatory, vulgar, obscene, libelous, hatefully, racially, ethnically or otherwise tortious or objectionable. Post or transmit any Content that does or may invade the privacy or violate or infringe on any rights of others, including, without limitation, copyrights and other intellectual property rights.

By use of your alias or in any comment, impersonate any person or entity, falsely or deceptively state, infer or otherwise misrepresent your affiliation with or connection to any person or entity.

Post or transmit any Content which, either the act of posting or the comment itself, you do not have a right to do under any law, regulation or order of any court, or as a result of an employment, contractual, fiduciary or other legal obligation or relationship. Post or transmit any advertising, promotional materials, so called "chain letters," "pyramid" or other schemes or invitations to participate in these or any other form of solicitation or promotion.

Post or transmit any non-public or otherwise restricted, confidential or proprietary information without authorization. Violate any local, state, national or international law, regulation or order of any court, including but not limited to regulations of the U.S. Securities and Exchange Commission or any rules of any securities exchange, including without limitation, the New York Stock Exchange, the American Stock Exchange or The Nasdaq Stock Market. Caveats While we believe that the Site can and should be a positive environment for the exchange of information, you understand that the Site is open for posting to all users. Some individuals may post comments that may be offensive, indecent, objectionable, false, misleading or simply inappropriate.

Responsibility for User Submission Each individual who submits a User Submission, whether published on the Site or not, is solely responsible for her or his own acts, including the content, context or information in the User Submission he or she submits. This means that each individual, and not LEVIATHAN FINANCIAL MANAGEMENT, is entirely responsible for anything and everything she or he posts on the Site including on any Blog. LEVIATHAN FINANCIAL MANAGEMENT cannot and does not guarantee the accuracy, integrity or quality of anything that may appear on its Site.

11. Disclosure We reserve the right to access, read, preserve, and disclose any User Submissions (whether published or not) or any other information we believe is reasonably necessary to (a) comply with any applicable law, regulation, legal process, subpoena or governmental or regulatory request, (b) enforce these TOU, including investigation of potential violations of it, (c) detect, prevent, or otherwise address fraud, security or technical issues, (d) respond to user support requests, or (e) protect the rights, property or safety of LEVIATHAN FINANCIAL MANAGEMENT, its users, yourself or the public.

Disclaimer of Warranties THE SITE, AND ANY PRODUCT OR SERVICE OBTAINED OR ACCESSED THROUGH THE SITE, IS PROVIDED "AS IS" AND WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, LEVIATHAN FINANCIAL MANAGEMENT, ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, SUPPLIERS, ADVERTISERS, AGENTS, INFORMATION PROVIDERS AND ANY OTHER THIRD PARTY INVOLVED IN OR RELATED TO THE MAKING OR COMPILING OF THE SITE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE AND NON-INFRINGEMENT, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ALL WARRANTIES RELATING TO THE ORIGINALITY, ADEQUACY, ACCURACY, TIMELINESS, MERCHANTABILITY OR COMPLETENESS OF ANY INFORMATION ON OUR SITE.

Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusions may not apply to you.

LEVIATHAN FINANCIAL MANAGEMENT AND ITS AFFILIATES, SUPPLIERS, AGENTS, SPONSORS, INFORMATION PROVIDERS AND ANY OTHER THIRD PARTY INVOLVED IN OR RELATED TO THE MAKING OR COMPILING OF THE SITE DO NOT WARRANT THAT YOUR USE OF THE SITE WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, OR THAT THE SITE OR THE SERVER(S) ON WHICH THE SITE IS HOSTED ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE AND YOUR RELIANCE THEREON. NO OPINION, ADVICE, OR STATEMENT OF LEVIATHAN FINANCIAL MANAGEMENT OR ITS AFFILIATES, SUPPLIERS, AGENTS, MEMBERS, SPONSORS, INFORMATION PROVIDERS OR VISITORS, WHETHER MADE ON THE SITE OR OTHERWISE, SHALL CREATE ANY WARRANTY.

13. Limitation of Liability NEITHER LEVIATHAN FINANCIAL MANAGEMENT NOR ITS AFFILIATES AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, SUPPLIERS, ADVERTISERS, AGENTS, SPONSORS, INFORMATION PROVIDERS NOR ANY OTHER THIRD PARTY INVOLVED IN OR RELATED TO THE MAKING OR COMPILING OF THE SITE ARE LIABLE FOR LOST PROFITS, LOST SAVINGS OR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER THEORY ARISING OUT OF OR RELATING IN ANY WAY TO THE SITE AND/OR ANY CONTENT CONTAINED THEREIN, OR ANY PRODUCT OR SERVICE USED OR PURCHASED THROUGH LEVIATHAN FINANCIAL MANAGEMENT. SUCH LIMITATION SHALL APPLY REGARDLESS OF THE FORM OF ACTION, EVEN IF LEVIATHAN FINANCIAL MANAGEMENT, ITS INFORMATION PROVIDERS, OR ANY OTHER THIRD PARTY INVOLVED IN OR RELATED TO THE MAKING OR COMPILING OF ANY PART OF THE SITE HAS BEEN ADVISED OF OR OTHERWISE MIGHT HAVE ANTICIPATED THE POSSIBILITY OF SUCH DAMAGES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE IS TO STOP USING IT. THE SOLE AND EXCLUSIVE MAXIMUM LIABILITY TO by LEVIATHAN FINANCIAL MANAGEMENT FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), OR OTHERWISE) SHALL NOT EXCEED THE TOTAL AMOUNT PAID TO US BY YOU, IF ANY, FOR ACCESS TO THE SITE OR ANY SERVICES, DURING THE PREVIOUS SIX (6) MONTHS PRIOR TO BRINGING THE CLAIM. IN NO EVENT SHALL LEVIATHAN FINANCIAL MANAGEMENT, ITS INFORMATION PROVIDERS OR ANY THIRD PARTY INVOLVED IN OR RELATED TO THE MAKING OR COMPILING OF ANY OF THE GICS SERVICE (DEFINED BELOW), BE LIABLE TO YOU, OR ANY OTHER PERSON, FOR ANY DIRECT OR INDIRECT DAMAGES, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, LOST SAVINGS OR OTHER INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OR YOUR INABILITY TO USE THE GICS SERVICE.

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

14. Indemnification As a condition of your use of the Site, you agree to indemnify, defend and hold us, our officers, directors, employees, agents, representatives, information providers, and any other third party involved in or related to the making or compiling of the Site harmless from and against any and all claims, damages, losses, costs (including reasonable attorneys' fees), or other expenses that arise directly or indirectly out of or from (a) your violation of the TOU; (b) your use or any third party's use of, or inability to use, the Site; (c) your violation of the rights of any third party, or (d) any claim that one of your User Submissions caused damage to a third party. This defense and indemnification obligation will survive these TOU and your use of the Site.

15. Termination You understand and agree that LEVIATHAN FINANCIAL MANAGEMENT may, under certain circumstances and without prior notice to you, terminate your access to and use of the Site. Cause for such termination shall include, but not be limited to, (i) breaches or violations of the TOU or other agreements or guidelines, (ii) requests by law enforcement or other government or regulatory authorities or (iii) repeat violators of third party copyrights or other intellectual property.

16. Copyright Policy LEVIATHAN FINANCIAL MANAGEMENT respects the intellectual property of others, and we ask our users to do the same. by LEVIATHAN FINANCIAL MANAGEMENT may, in appropriate circumstances and at its discretion, terminate the account or access of users who infringe the intellectual property rights of others.

If you believe that your work has been copied in a way that constitutes copyright infringement, please provide our Copyright Agent the following information:

16.1: an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; 16.2: a description of the copyrighted work that you claim has been infringed, including the URL (web page address) of the location where the copyrighted work exists or a copy of the copyrighted work; 16.3: a description of where the material that you claim is infringing is located on the Site, including the URL; 16.4: your address, telephone number, and email address; 16.5: a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and 16.6: a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf. LEVIATHAN FINANCIAL MANAGEMENT 's Copyright Agent for Notice of claims of copyright infringement can be reached as follows:

By mail: Copyright Agent Leviathan Financial Management. 400 West Randolph Suite 3018 By phone: 773 230 32178 By email: support@leviathanfm.com Please also note that any person who knowingly materially misrepresents that material or activity is infringing may be subject to liability.

Additional Terms that Apply to Global Industry Classification Standard Service You agree not to redistribute the Global Industry Classification Standard Service (the "GICS Service") in any form or manner to any third party. Use of the GICS Service shall only be by you or your employees and solely for internal business purposes or personal, non-commercial use, as permitted in our agreement with S&P. You agree not to use or permit anyone else to use the GICS Service to create any securities products or indices based on the GICS Service or any portion thereof. You agree to treat the GICS Service as proprietary to MSCI, Inc. ("MSCI") and S&P, and/or their affiliates, and/or their third-party providers. You acknowledge that MSCI and S&P, and/or their affiliates, and/or their third-party providers are the sole and exclusive owners of the GICS Service (including all trade secrets, copyrights, trademarks and other intellectual property rights in or to the GICS Service).

You will not, other than as expressly permitted in our agreement with S&P: (i) alter, modify or adapt any component of the GICS Service, including, but not limited to, translating, decompiling, disassembling, reverse engineering or creating derivative works; or (ii) use the GICS Service to verify the accuracy of other data or to correct such other data; or (iii) resell or otherwise transfer or make the GICS Service, or any part or component thereof, available to any other person or organization (including, without limitation, your present and future parents, subsidiaries or affiliates) directly or indirectly, for any of the foregoing or for any other use, including, without limitation, by loan, rental, service bureau, external time sharing or similar arrangement.

You shall acknowledge that (i) S&P or MSCI may, in its sole and absolute discretion and at any time, terminate your right to receive and/or use the GICS Service; and (ii) provision of the GICS Service is subject to termination in the event that the relevant agreement between Additional Terms that Apply to Global Industry Classification Standard Service You agree not to redistribute the Global Industry Classification Standard Service (the "GICS Service") in any form or manner to any third party. Use of the GICS Service shall only be by you or your employees and solely for internal business purposes or personal, non-commercial use, as permitted in our agreement with S&P. You agree not to use or permit anyone else to use the GICS Service to create any securities products or indices based on the GICS Service or any portion thereof. You agree to treat the GICS Service as proprietary to MSCI, Inc. ("MSCI") and S&P, and/or their affiliates, and/or their third-party providers. You acknowledge that MSCI and S&P, and/or their affiliates, and/or their third-party providers are the sole and exclusive owners of the GICS Service (including all trade secrets, copyrights, trademarks and other intellectual property rights in or to the GICS Service).

You will not, other than as expressly permitted in our agreement with S&P: (i) alter, modify or adapt any component of the GICS Service, including, but not limited to, translating, decompiling, disassembling, reverse engineering or creating derivative works; or (ii) use the GICS Service to verify the accuracy of other data or to correct such other data; or (iii) resell or otherwise transfer or make the GICS Service, or any part or component thereof, available to any other person or organization (including, without limitation, your present and future parents, subsidiaries or affiliates) directly or indirectly, for any of the foregoing or for any other use, including, without limitation, by loan, rental, service bureau, external time sharing or similar arrangement.

You shall acknowledge that (i) S&P or MSCI may, in its sole and absolute discretion and at any time, terminate your right to receive and/or use the GICS Service; and (ii) provision of the GICS Service is subject to termination in the event that the relevant agreement between Additional Terms that Apply to Global Industry Classification Standard Service You agree not to redistribute the Global Industry Classification Standard Service (the "GICS Service") in any form or manner to any third party. Use of the GICS Service shall only be by you or your employees and solely for internal business purposes or personal, non-commercial use, as permitted in our agreement with S&P. You agree not to use or permit anyone else to use the GICS Service to create any securities products or indices based on the GICS Service or any portion thereof. You agree to treat the GICS Service as proprietary to MSCI, Inc. ("MSCI") and S&P, and/or their affiliates, and/or their third-party providers. You acknowledge that MSCI and S&P, and/or their affiliates, and/or their third-party providers are the sole and exclusive owners of the GICS Service (including all trade secrets, copyrights, trademarks and other intellectual property rights in or to the GICS Service).

You will not, other than as expressly permitted in our agreement with S&P: (i) alter, modify or adapt any component of the GICS Service, including, but not limited to, translating, decompiling, disassembling, reverse engineering or creating derivative works; or (ii) use the GICS Service to verify the accuracy of other data or to correct such other data; or (iii) resell or otherwise transfer or make the GICS Service, or any part or component thereof, available to any other person or organization (including, without limitation, your present and future parents, subsidiaries or affiliates) directly or indirectly, for any of the foregoing or for any other use, including, without limitation, by loan, rental, service bureau, external time sharing or similar arrangement.

You shall acknowledge that (i) S&P or MSCI may, in its sole and absolute discretion and at any time, terminate your right to receive and/or use the GICS Service; and (ii) provision of the GICS Service is subject to termination in the event that the relevant agreement between Additional Terms that Apply to Global Industry Classification Standard Service You agree not to redistribute the Global Industry Classification Standard Service (the "GICS Service") in any form or manner to any third party. Use of the GICS Service shall only be by you or your employees and solely for internal business purposes or personal, non-commercial use, as permitted in our agreement with S&P. You agree not to use or permit anyone else to use the GICS Service to create any securities products or indices based on the GICS Service or any portion thereof. You agree to treat the GICS Service as proprietary to MSCI, Inc. ("MSCI") and S&P, and/or their affiliates, and/or their third-party providers. You acknowledge that MSCI and S&P, and/or their affiliates, and/or their third-party providers are the sole and exclusive owners of the GICS Service (including all trade secrets, copyrights, trademarks and other intellectual property rights in or to the GICS Service).

You will not, other than as expressly permitted in our agreement with S&P: (i) alter, modify or adapt any component of the GICS Service, including, but not limited to, translating, decompiling, disassembling, reverse engineering or creating derivative works; or (ii) use the GICS Service to verify the accuracy of other data or to correct such other data; or (iii) resell or otherwise transfer or make the GICS Service, or any part or component thereof, available to any other person or organization (including, without limitation, your present and future parents, subsidiaries or affiliates) directly or indirectly, for any of the foregoing or for any other use, including, without limitation, by loan, rental, service bureau, external time sharing or similar arrangement.

You shall acknowledge that (i) S&P or MSCI may, in its sole and absolute discretion and at any time, terminate your right to receive and/or use the GICS Service; and (ii) provision of the GICS Service is subject to termination in the event that the relevant agreement between Leviathan financial management and S&P is terminated in accordance with its terms.

You acknowledge that S&P or MSCI as a third-party beneficiary of the TOU, entitled to enforce all provisions relating to the GICS Service. and S&P is terminated in accordance with its terms. You acknowledge that S&P or MSCI as a third-party beneficiary of the TOU, entitled to enforce all provisions relating to the GICS Service. and S&P is terminated in accordance with its terms. You acknowledge that S&P or MSCI as a third-party beneficiary of the TOU, entitled to enforce all provisions relating to the GICS Service. and S&P is terminated in accordance with its terms. You acknowledge that S&P or MSCI as a third-party beneficiary of the TOU, entitled to enforce all provisions relating to the GICS Service.

Additional Terms that Apply to Leviathan Financial management Paid Subscriptions By subscribing to Leviathan Financial management subscription products (the "Subscription"), you agree to pay the applicable Subscription fees set forth on the Site. Leviathan Financial management reserves the right to revise Subscription fees upon reasonable notice. We remind you that all the rules applicable to setting up an account under Section 6 above (entitled, "User Conduct") apply to your Subscriptions. Unless we notify you in writing otherwise, you are not permitted to share Content available through your Subscriptions. Unless stated otherwise in writing, Subscription fees are nonrefundable. You may cancel purchases of Leviathan Financial management products or complimentary services by updating your preferences in your Subscription Settings page, by contacting us by email at subscriptions@leviathanfm.com, or by another designated cancellation method. During any free trial portion of a Leviathan Financial management subscription, you may cancel your trial subscription at any time (and not be billed) by notifying us as provided in the paragraph immediately above. You must cancel your trial subscription no later than one (1) day before the free trial period expires in order to avoid conversion to a paid subscription. When your initial paid subscription commences (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 payment account will be billed the applicable subscription fee and your paid subscription will commence. Once your initial paid subscription commences, we do not provide refunds for initial orders or recurring payments.

Leviathan Financial management reserves the right to cancel a Subscription at any time. If we cancel a Subscription due to a breach of these Terms of Use you will not be eligible for any refund.

Additional Terms for Marketplace and Advisory services promoted by Leviathan Financial management

Although we obtain information contained in our marketing promotions from sources we believe to be reliable, we cannot guarantee its accuracy. The opinions expressed in the promotions are those of Leviathan Financial management, its editors, marketers and contributors, and may change without notice. Any views or opinions expressed in the promotion may not reflect those of the firm as a whole. The information in the promotion may become outdated and we have no obligation to update it. The information in the promotion is not intended to constitute individual investment advice and is not designed to meet your personal financial situation. It is provided for information purposes only and nothing herein constitutes investment, legal, accounting or tax advice, or a recommendation to buy, sell or hold a security. Furthermore, the marketing promotions of Marketplace and Advisory services are not recommendations to follow the investment research or trade ideas suggested by the authors of the services. No recommendation or advice is being given as to whether any investment is suitable for a particular investor or a group of investors. It should not be assumed that any investments in securities, companies, sectors or markets identified and described were or will be profitable. We strongly advise you to discuss your investment options with your financial adviser prior to making any investments, including whether any investment is suitable for your specific needs.

The information provided in our promotions is private, privileged, and confidential information, licensed for your sole individual use as a subscriber. Leviathan Financial management reserves all rights to the content of these services. Forwarding, copying, disseminating, or distributing the content in the Marketplace/Advisory service in whole or in part, including substantial quotation of any portion the publication or any release of specific investment recommendations, is strictly prohibited.

Miscellaneous

The Site is directed solely to individuals residing in jurisdictions in which provision of the Site's content is legal. We make no representation that materials provided on the Site are appropriate or available for use in other locations. Those who choose to access the Site from other locations do so on their own initiative and at their own risk, and are responsible for compliance with local laws, if and to the extent applicable. We reserve the right to limit the availability of the Site to any person, geographic area, or jurisdiction we so desire, at any time and in our sole discretion, and to limit the quantities of any such service or product that we provide. The TOU, together with all Leviathan Financial management policies referred to herein, constitutes the entire agreement between you and Leviathan Financial management relating to your use of the Site and supersedes and any all prior or contemporaneous written or oral agreements on that subject between us. The TOU, privacy policy and the relationship between you and Leviathan Financial management are governed by and construed in accordance with the laws of the State of New York, without regard to its principles of conflict of laws. You and Leviathan Financial management agree to submit to the personal and exclusive jurisdiction of the federal and state courts located within Cook County, ILLINOIS, and waive any jurisdictional, venue, or inconvenient forum objections to such courts. If any provision of the TOU is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from the TOU and shall not affect the validity and enforceability of any remaining provisions. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. Any heading, caption or section title contained in the TOU is inserted only as a matter of convenience and in no way defines or explains any section or provision hereof. We reserve the right to require you to sign a non-electronic version of the TOU.