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Terms Of Use

By using the Services, you're agreeing to be bound by these Terms and Conditions (“Terms and Conditions” or “Terms”) INCLUDING THE BINDING ARBITRATION AND CLASS ACTION WAIVER DETAILED IN SECTION 10. These Terms govern your use and access to the website and all our Services. We may change these terms at any time, but we will post a notice on this website of any material changes. Your continued use of Makana.finance and its Services means that you accept any new or modified terms and conditions. So please check back here from time to time.

Some Services are work in progress. We reserve the right to change or even eliminate them with no notice, at our sole discretion.

1. Registration

Except as expressly provided in these Terms and Conditions, members may only maintain one active registration with Makana.finance. In other words, it's one registration per person. Any use of multiple accounts or aliases on our Services, including attempts to mislead, defraud, confuse, or otherwise trick us or our members, is a breach of these Terms and Conditions

As a Makana.finance registered user, your user profile will be maintained by Stripe and you can update your account settings, including your email address, by going to the Manage My Subscription link on the website or in the email.

2. Services

We reserve the right to refuse or discontinue the supply of a Service to any user at any time at our sole discretion.

Unless stated otherwise, membership to any Service is for online and/or electronic access only. Certain promotions may offer features that are issued in physical form. Shipping of any goods or service associated with these promotions is limited to the U.S./APO. Physical fulfillment of goods or services not specifically mentioned in a promotion is at the sole discretion of the Makana.finance.

Our Services generally deliver their content via email including trade alerts or recommendations, recent actionable investing guidance, and other important stock news. There is no opt-out choice available for these emails (unless you cancel your subscription).

Trial Terms, Automatic Billing and Cancellation Policy

Some Services may provide a free trial or introductory offer. If such an offer is provided, only one per person or household is allowed at any given point in time. In addition, there is a limit of one trial per person and household in any given six-month period unless otherwise stated in the offer.

Upon signing up for a free trial, you will have access to the Service for the promotional trial period. If you cancel prior to the end of the promotional offer period, your credit card will not be charged. If you don't cancel your subscription within the trial offer period, we will charge the primary credit card you provided during the sign-up process. You may contact Member Support at theAiAnalyst@makana.finance to terminate your trial enrollment.

Your membership will automatically renew at the then-current rate, until you notify us of your decision to terminate your membership. Many subscriptions will renew for one-year or one-month terms, regardless of the offer under which the subscription was initiated. Monthly subscription terms will be notified annually regarding future renewals. Automatic renewal term lengths are subject to change and we will email you about the length and price for your automatic renewal before we charge you. If you would like to turn off automatic renewal, or extend your subscription for additional years, please contact Member Support. BY ALLOWING FOR YOUR RENEWAL, YOU PROVIDE YOUR ELECTRONIC AUTHORIZATION FOR FUTURE CHARGES AGAINST YOUR CREDIT CARD ON FILE. Accordingly, you agree that your membership fee or subscription will be billed automatically at the beginning of each renewal period at the then-current rate (plus sales tax, if applicable) to the credit card you used in your most recent transaction with us. Any subscription purchased using Apple Pay will continue to renew on Apple Pay.

Makana.finance reserves the right to increase a Service's fees or institute new charges upon reasonable notice. Service fees are due in advance.

Enrollment Fees

From time-to-time, we may offer enrollment fee based products which may include an ongoing monthly fee. There is no refund offered for the enrollment fee under these terms. Based on the specific terms of the offer under which you buy the product, the fee may be refundable or eligible for a credit transfer. Please see full offer terms for your product or service for more details.

Refunds

Different Services (and sometimes specific offers) have different refund policies (including some that offer no refunds, or some that offer different pricing depending on availability of refunds). Please review the specific terms of your offer before signing up as you are agreeing to be bound those terms. If you are unsure of your cancellation rights, please contact Member Support.

Please note that most refunds are only available to first-time subscribers. If you subscribe to a Service that allows for refunds beyond 30 days, and cancel (and receive a refund) and then subscribe again, you will not receive a refund after the first 30 days.

From time to time, Makana.finance offers its services through third-party vendors. In such cases, the vendor’s refund policy would apply and may differ from your Service (or specific offer).

Transfer; Discontinuing a Service

You cannot transfer your subscription to someone else, except through bequeathment or by a court order. In the event a subscription is transferred, it will continue through the end of its term and can be renewed at the then-current price and conditions. For assistance in this situation, please contact Member Services.

In the event that we discontinue a Service, you agree that Makana.finance may transfer your subscription to another Service of equal or greater value.

Credits, Transfer Credits, and Bonus Credits Information

Some of our services provide the option to transfer some or all of the purchase price towards a different Makana.finance service, (a “Transfer Credit(s)”). Depending on the terms of your purchase, you may be allowed to transfer the full or pro-rated credit from your purchase into a Transfer Credit. Most services eligible for a Transfer Credit will allow an exchange for a different service using the Transfer Credit within 30 days of the initial purchase, and there are services that do not allow for credits of any kind.

3. Credits, Transfer Credits, and Bonus Credits Information

If you are unsure whether or not your service is eligible for a Transfer Credit please contact theAiAnalyst@makana.finance.

If you take advantage of a Transfer Credit guarantee, please also note that you will lose access to any product(s) and benefits included in the original promotional offer, including additional services or reports that may have been included as a bonus or incentive for taking advantage of the offer.

If the list price of the service you would like to transfer into is more than the amount of Transfer Credits you have, you will receive a partial term of the service. If the list price of the service you would like to transfer into is less than the amount of Transfer Credits, you will be given a service extension such that all Transfer Credits are consumed. In both cases the usual automatic renewal notice will be emailed a month prior to the adjusted end-date.

When using a Transfer Credit, the term length of the service being transferred into cannot extend beyond three years. In the event your Transfer Credit would result in a service term greater than three years, your subscription will be extended to three years and the remaining Transfer Credits will immediately expire.

At certain times we may offer subscriptions or upgrades to services that may contain components of other services you might currently subscribe to. These offers may include prorated Transfer Credit value for your existing subscriptions. If you purchase one of these subscriptions or upgrades the prorated Transfer Credit value from any existing subscription(s) on your account will be used in its entirety towards the purchase, and the prior-existing subscription will be cancelled upon purchase of the new subscription.

4. Additional and Third-Party Terms of Use

Please note that certain individual Services or products may have their own, or additional, terms and conditions. In the event of a conflict, the terms for the individual Service will control with respect to the Service in question. So please be sure to review any additional terms and conditions with respect to any specific Service before subscribing.

Some portions of our site use Stripe APIs. If you use those parts of our site, you are also bound by the Stripe Services Agreement - United States. If you do not wish to be bound by these terms, or any of the terms contained within these Rules, please do not use our site.

5. Intellectual Property

All of the Content on our websites and any Service we provide is protected by U.S. and international copyright laws and is the property of Mobius Logic, Inc. (the parent company of Makana.finance) and/or providers of the content under license. By "Content" we mean any information, mode of expression, or other materials and services found on Makana.finance. This includes message boards, blogs, email, ratings, podcasts, chats, software, our writings, graphics, videos, and any and all other features. You can find out more information on copyright law and the Internet at www.templetons.com/brad/copymyths.html.

You may make one copy of the Content for your personal, non-commercial use, provided that any material copied remains intact and includes the following notice: "Copyright 2024-2025 [or whatever the current year is] Mobius Logic, Inc. All rights reserved." Any other copying, distribution, storing, or transmission of any kind, or any commercial use of our Content, is prohibited without Makana.finance’s prior written permission. That means you may not sell, auction, transfer or barter your subscription or any individual publication. You can make or end your own subscription at any time, but those signals, and their scoring history, remain the property of Mobius Logic, Inc.

You also may not republish, post, transmit, or distribute the Content to online bulletin and message boards, blogs, chat rooms, intranets, or anywhere else without our consent. You further agree not to create abstracts from or scrape our Content, including signal emails, for use on another website or service (including our own personal forums and blogs). In short, you may not post our Content anywhere else online. Aside from opening yourself up to liability, distributing our Services, stock signals, and performance data to other sites and forums is unfair to our members who pay good money to receive our Content. So please don't do it.

You agree not to display any of Makana.finance trademarks or use them in any manner without our express written permission.

6. No Personalized Advice

We want to help you make money. However, Makana.finance is not in the business of rendering personalized investment advice. We can't know all the relevant facts about you and your individual needs, and we cannot claim or represent that any particular Services are suitable for you. Accordingly, you agree that any recommendation or action taken by a Service does not constitute a recommendation that a particular security, strategy, or action is suitable for you. If you want personal advice, then you should seek a registered investment advisor.

Makana.finance may partner with third parties in order to make buying our Services' recommendations easier for you. We will not, and cannot, trade on your behalf at your brokerage. Only you can decide whether or not a stock is right for you and you agree to be liable for any trades you initiate at your brokerage using tools that we or our partners provide.

Affiliates of Makana.finance may provide individualized investment advice and investment products. These companies may recommend or hold securities mentioned in our publications. Editorial personnel have no nonpublic knowledge of our affiliates' holdings and/or specific recommendations, and the affiliates’ personnel have no knowledge of any editorial content before it is published.

7. You Bear Responsibility for Your Financial and Investment Decisions

One of the principal tenets here at Makana.finance is that the best person to handle your finances is you. By your use of our Services, you're agreeing that you bear responsibility for your own investment research and investment decisions. You also agree that Mobius Logic, Inc., its directors, its employees, and its agents will not be liable for any investment decision made or action taken by you and others based on news, information, opinion, or any other material published through our Services.

8. Disclaimer of Warranties and Liabilities

Please read Makana.finance Disclaimer, which is incorporated herein by reference.

Makana.finance provides a very broad range of information and commentary via its many Services. Consequently, as a result of the diverse opinions of our staff, a Makana.finance Service may, from time to time, take actions or issue recommendations with regard to specific securities that are different from those taken or issued by another Service we provide.

Makana.finance does not warrant the completeness or accuracy of the Content found in our Services or its usefulness for any particular purpose. And although we have the hardest-working, most talented techies in the business, Makana.finance makes no promises that our content or any of the Services will be delivered to you on an uninterrupted, timely, secure, or error-free basis. In fact, we're not making any promises or warranties except that we'll do our best to provide interesting and helpful information, education, and entertainment. Other than that, we reserve the right to be wrong.

Now what does all this mean? It means that you agree that under no circumstances will Makana.finance and Mobius Logic, Inc, their employees, or their agents be liable for direct, indirect, incidental, consequential, punitive, or any other type of damages resulting from your use, purchase, or downloading of any material on our Websites, emails, or arising from or related to these Terms or the Privacy Policy, even if we have been advised of the possibility of such damages. This includes, but is no way limited to, loss or injury caused in whole or in part by our negligence or by stuff beyond our control in creating or delivering any of our Services.

Makana.finance relies on various sources of information that we believe to be accurate and reliable. There are also literally thousands of contributors here -- most, we believe, with incredibly interesting and insightful information and opinions to share. But we can't and won't take responsibility for, or make any claims or representations about, the accuracy, completeness, or even the truth of every bit of data, information, and opinion provided through our Services. Remember: All information and content provided on or by Makana.finance is to be used on an "as is, with all faults, we're not perfect" basis.

Obligatory Capitalized Disclaimers of Liability:

EXCEPT WHERE OTHERWISE INAPPLICABLE OR PROHIBITED BY LAW, THE WEBSITE AND PRODUCTS AND SERVICES CONTAINED AND OFFERED ON THE WEBSITE ARE PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS. NEITHER MAKANA.FINANCE, MOBIUS LOGIC, INC. NOR ANY OF OUR PARTNERS MAKES ANY WARRANTY THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL THAT YOU PURCHASE OR OBTAIN FROM THE USE OF OUR SERVICES WILL MEET YOUR EXPECTATIONS OR THAT AND ANY ERRORS WILL BE IMMEDIATELY CORRECTED. NEITHER WE NOR ANY OF OUR PARTNERS MAKES ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO OUR WEBSITES, ANY CONTENT, OR ANY OF OUR SERVICES, TOOLS, PRODUCTS, OR PROPERTIES. YOU EXPRESSLY AGREE THAT YOU WILL ASSUME THE ENTIRE RISK AS TO THE QUALITY AND THE PERFORMANCE OF OUR SERVICES AND THE ACCURACY OR COMPLETENESS OF THEIR CONTENT.

SOME STATES DO NOT ALLOW EXCLUSION OF IMPLIED WARRANTIES OR LIMITATION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. IN SUCH STATES, OUR LIABILITY AND THAT OF OUR THIRD-PARTY CONTENT PROVIDERS WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW. THIS DISCLAIMER OF WARRANTIES DOES NOT APPLY IN NEW JERSEY.

9. Communication

Federal or state law may require that we notify you of certain events. You hereby acknowledge and consent that such notices will be effective upon our posting them on our websites or sending them to you via email (another reason to please keep your account settings current). If you do not provide us with accurate information, we cannot be held liable if we fail to notify you.

10. Dispute Resolution by Binding Arbitration and Class Action Waiver

If a dispute arises in connection with your use of our Services or in relation to any of these Terms (collectively, “Disputes”) our hope is that we can resolve the matter informally. Accordingly, in the event of a Dispute, we agree to first contact each other via email with a description of the Dispute and any proposed resolution. You will email theAiAnalyst@makana.finance with your concern and Makana.finance will contact you via the email address we have on file for you.

If a Dispute cannot be resolved informally, we each agree that except as provided below, the Dispute will be submitted to final and binding arbitration before a panel of three arbitrators of the American Arbitration Association (“AAA”) in a location convenient to you. Either party may commence the arbitration process by submitting a written demand for arbitration with the AAA and providing a copy to the other party. The arbitration will be conducted in accordance with the provisions of the AAA’s Commercial Dispute Resolutions Procedures, Supplementary Procedures for Consumer-Related Disputes, in effect at the time of submission of the demand for arbitration. We will pay all of the filing costs, including arbitrator fees. Judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. You expressly agree to refrain from bringing or joining any claims in any representative or class-wide capacity, including but not limited to bringing or joining any claims in any class action or any class-wide arbitration.

YOU UNDERSTAND THAT YOU ARE WAIVING YOUR RIGHT TO HAVE A JUDGE OR JURY DECIDE YOUR CASE AND TO BE PARTY TO A CLASS OR REPRESENTATIVE ACTION. YOU UNDERSTAND AND AGREE TO HAVE ANY CLAIMS DECIDED INDIVIDUALLY AND ONLY THROUGH ARBITRATION.

EXCEPTIONS

Notwithstanding the foregoing, the following will not be subject to arbitration and may be adjudicated only in the state and federal courts of Virginia: (i) any dispute, controversy, or claim related to or contesting the validity of our proprietary rights, including without limitation, trademarks, service marks, copyrights, patents, or trade secrets; or (ii) an action by a party for temporary, preliminary, or permanent injunctive relief, whether prohibitive or mandatory, or other provisional relief. You may also file an individual action in a small claims court in lieu of arbitration.

OPTING OUT

You will have thirty (30) days from the date you submit your personally identifiable information to opt out of this arbitration agreement. To opt out of arbitration, you must contact us at Makana.finace (Mobius Logic, Inc.), 1775 Tysons Blvd. 5th Floor, Tysons, VA 22102, Attention: Legal Department. If more than thirty (30) days have passed, you are not eligible to opt out of arbitration.

11. Your Agreement to These Terms

You acknowledge and agree that by agreeing to these Terms electronically you are expressly agreeing to the terms set forth herein. You acknowledge that your electronic submission constitutes your agreement and intent to be bound by these Terms and Conditions.

12. Everything Else

If any provision in these Terms and Conditions is found to be invalid, unenforceable, or nonsensical, the remaining provisions will continue in full force and effect. This agreement is and always will be governed by the laws of the United States of America and the Commonwealth of Virginia (except with respect to choice of law). You agree that the proper forum for any claim arising thereunder will be the U.S. Court for the Eastern District of Virginia or the appropriate Virginia court.

Our Services are directed at a U.S. audience. We cannot warrant that the Services are appropriate for users outside the United States or that use of the Services is permitted under the laws of other jurisdictions. All personal data is maintained in the United States under the terms of our Privacy Policy, which is also incorporated by reference.

Except as otherwise expressly stated in these Terms and Conditions, there are no third-party beneficiaries to this agreement.

These Terms and Conditions, including those that are incorporated by reference, constitute the entire and only agreement between you and Makana.finance and govern your use of our services.

Last Updated: November, 2025