Terms of Use
Last updated: April 8, 2025
These Terms of Use govern your access to and use of the services, platform, and content provided by systematic notes ("we," "us," or "our") at systematicnotes.com. By accessing or using our platform, you agree to be bound by these terms. If you do not agree, please discontinue use immediately.
1. Acceptance of Terms
By creating an account, accessing any feature, or otherwise using the platform, you confirm that you have read, understood, and agree to these Terms of Use in their entirety. These terms constitute a legally binding agreement between you and systematic notes.
We reserve the right to update these terms at any time. Continued use of the platform after any modification constitutes acceptance of the revised terms. The "Last updated" date at the top of this page reflects the most recent revision.
2. Eligibility
You must be at least 13 years of age to use this platform. If you are under the age of majority in your jurisdiction, you represent that a parent or legal guardian has reviewed and agreed to these terms on your behalf. We do not knowingly collect information from children under 13 without verifiable parental consent.
By using the platform, you represent and warrant that:
- You meet the minimum age requirement described above
- You have the legal capacity to enter into a binding agreement
- Your use of the platform does not violate any applicable law or regulation
- All information you provide is accurate, current, and complete
3. Account Registration and Security
3.1 Account Creation
Certain features of the platform require you to register for an account. You agree to provide accurate and complete information during registration and to keep this information up to date. You may not impersonate any person or entity or use a name that is offensive, vulgar, or otherwise inappropriate.
3.2 Account Responsibility
You are solely responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us immediately at info@systematicnotes.com if you suspect any unauthorized access to or use of your account. We are not liable for any loss or damage arising from unauthorized use of your credentials.
3.3 Account Termination
We reserve the right to suspend or terminate your account at our sole discretion, without prior notice, if we reasonably believe you have violated these terms or engaged in conduct harmful to the platform, other users, or third parties.
4. Platform Use and Permitted Conduct
4.1 Permitted Use
You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the platform for personal, non-commercial educational purposes in accordance with these terms.
4.2 Prohibited Conduct
You agree not to engage in any of the following:
- Copying, reproducing, distributing, or publicly displaying any platform content without prior written permission
- Using automated tools, bots, scrapers, or scripts to access or extract data from the platform
- Attempting to gain unauthorized access to any part of the platform, its systems, or other users' accounts
- Uploading or transmitting malicious code, viruses, or any software that may harm the platform or its users
- Engaging in conduct that disrupts, degrades, or interferes with the normal operation of the platform
- Using the platform to send unsolicited communications or spam
- Misrepresenting your identity or affiliation with any person or entity
- Using the platform for any unlawful purpose or in violation of any applicable law
- Reverse engineering, decompiling, or disassembling any portion of the platform
- Selling, renting, or sublicensing access to the platform or its content
5. Intellectual Property
5.1 Our Content
All content on the platform, including but not limited to quizzes, assessments, text, graphics, logos, icons, audio, video, data compilations, and software, is the exclusive property of systematic notes or its content licensors and is protected by applicable intellectual property laws. No content may be reproduced, modified, or distributed without our express written consent.
5.2 User-Submitted Content
If the platform allows you to submit, post, or share content, you retain ownership of your original submissions. By submitting content, you grant systematic notes a worldwide, royalty-free, perpetual, irrevocable, non-exclusive license to use, reproduce, modify, adapt, publish, and display such content in connection with operating and improving the platform.
You represent and warrant that any content you submit does not infringe the intellectual property rights, privacy rights, or any other rights of any third party.
5.3 Feedback
Any feedback, suggestions, or ideas you provide regarding the platform may be used by us without restriction or compensation to you.
6. Quiz and Assessment Content
The quizzes, tests, and assessments available on the platform are intended for educational and informational purposes only. Results, scores, and feedback provided by the platform do not constitute professional financial, legal, or investment advice. You should not rely solely on platform content when making financial or business decisions.
We strive to maintain accurate and current content; however, we make no guarantee that all quiz content is error-free, complete, or up to date. Content related to industry financial analysis reflects general educational frameworks and may not reflect current market conditions.
7. Third-Party Links and Services
The platform may contain links to third-party websites or services that are not owned or controlled by systematic notes. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. We strongly encourage you to review the terms and privacy policies of any third-party services you visit.
Inclusion of any link does not imply endorsement by systematic notes of the linked site or service.
8. Privacy
Your use of the platform is also governed by our Privacy Policy, which is incorporated into these Terms of Use by reference. By using the platform, you consent to the collection and use of your information as described in the Privacy Policy.
9. Payments and Subscriptions
9.1 Paid Features
Certain features or content on the platform may require payment. All fees are stated in US dollars and are non-refundable unless otherwise specified or required by applicable law. We reserve the right to modify pricing at any time, with reasonable notice provided to active subscribers.
9.2 Subscription Renewal
Subscriptions, where offered, renew automatically at the end of each billing cycle unless cancelled prior to the renewal date. You are responsible for managing your subscription settings and cancelling in advance if you do not wish to be charged for the next period.
9.3 Billing Disputes
If you believe a charge has been made in error, please contact us at info@systematicnotes.com within 30 days of the charge. We will investigate and respond in a reasonable timeframe.
10. Disclaimers and Limitation of Liability
10.1 No Warranty
The platform is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the platform will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
10.2 Limitation of Liability
To the fullest extent permitted by applicable law, systematic notes and its officers, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, goodwill, or other intangible losses, arising out of or in connection with your use of or inability to use the platform.
Our total aggregate liability to you for any claims arising under or related to these terms shall not exceed the greater of the amount you paid us in the twelve months preceding the claim or fifty US dollars ($50).
10.3 Indemnification
You agree to indemnify, defend, and hold harmless systematic notes and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your access to or use of the platform, your violation of these terms, or your infringement of any third-party rights.
11. Modifications to the Platform
We reserve the right to modify, suspend, or discontinue any part of the platform at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the platform or any feature thereof.
12. Governing Terms and Dispute Resolution
These terms shall be governed by and construed in accordance with generally accepted principles of commercial law applicable to online services, without regard to any specific jurisdiction's conflict of law provisions.
In the event of any dispute arising from or relating to these terms or your use of the platform, both parties agree to attempt resolution through good-faith negotiation before pursuing any formal proceeding. Any unresolved disputes shall be submitted to binding arbitration conducted by a mutually agreed arbitration body, with proceedings conducted in English.
13. Severability
If any provision of these terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.
14. Entire Agreement
These Terms of Use, together with the Privacy Policy and any other legal notices published by us on the platform, constitute the entire agreement between you and systematic notes with respect to your use of the platform and supersede all prior agreements, representations, and understandings.
15. Contact Us
If you have any questions, concerns, or requests regarding these Terms of Use, please reach out to us:
| Contact Method | Details |
|---|---|
| info@systematicnotes.com | |
| Phone | +1 (704) 774-5953 |
| Mailing Address | 6687 Royalton Rd, North Royalton, OH 44133, United States |
| Website | systematicnotes.com |