THE WHITE COAT INVESTOR – TERMS OF USE

(updated 1-30-2024)

 

  1. YOUR USE OF THE WEBSITE AND/OR OUR SERVICES

Our websites, www.whitecoatinvestor.com, www.wcicourses.com, www.studentloanadvice.com, forum.whitecoatinvestor.com, shop.whitecoatinvestor.com, www.wcievents.com, and/or www.whitecoatinsurance.com (individually and collectively “Website”) are owned or operated by WCI Operations, LLC and its affiliates (together, “WCI,” “we,” “us,” or “our”). These Terms of Use apply when you visit our Website or otherwise use our services (“Services”), listed below:

  • our Website and any site of ours that links to this our general Privacy Policy or our California Privacy Policy,
  • our pages or ads on social media networks,
  • engagement with us in other ways, including, for example, sales, marketing, podcasts, blogs, courses, emails, conferences or newsletters, and
  • anywhere we gather information from you and refer you to our general Privacy Policy or our California Privacy Policy.

By using or accessing any part of the Website or Services and materials made available to you on the Website or through our Services, you unconditionally consent to be bound by these Terms of Use. IF YOU DO NOT AGREE TO THESE TERMS OF USE, THEN DO NOT USE THE WEBSITE.

  1. INVESTING, ADVICE AND CONTENT

The content, courses, and materials we provide are published generally and DO NOT constitute financial, legal, or tax advice. The content and materials are not personal to you and do not take into account your personal circumstances. We do not assess the suitability or appropriateness of any investment in light of your personal circumstances, including your knowledge and understanding, financial strength, tax liability, or appetite for risk.

WCI does not act as an investment advisor or advocate the purchase or sale of any security or investment. If you need guidance on interpreting the materials and content on the Website or in our Services given your personal circumstances, you should seek independent advice from appropriate qualified professionals.

Investment markets have inherent risks and there is no guarantee of future profits, or even a return of your investment. Past performances does not assure future results. Investors must be able to afford to lose their entire investment. Specifically, certain investments are only for accredited investors who are familiar with and willing to accept the high risk associated with private investments. Securities sold through private placements are not publicly traded and, therefore, are less liquid, and may be subject to holding period requirements.

The information generally available on the Website and through our Servies DOES NOT constitute recommendations, solicitations, or offers to buy or sell any securities, options, other financial instruments or other assets, or provide any investment advice or service. The content and materials we provide is for general information only and is not intended to be relied upon by users in making (or not making) certain investment decisions. WCI tries to ensure that the content and materials are up to date and accurate, but we do not guarantee the accuracy of the information. Users are encouraged to perform their own research, investigation, and due diligence.

  1. YOUR COMMUNICATIONS

You are responsible for your own communications using the Website and our Services. You may not:

  • communicate material that is copyrighted, reveals trade secrets, infringes on any other intellectual property rights of others;
  • communicate material that is obscene, defamatory, threatening, harassing, abusive, hateful, or embarrassing to any person or entity;
  • communicate material that constitutes or encourages illegal activities or otherwise violates federal, state, or local criminal or civil laws.

You further understand and acknowledge that messages or communications posted on the Website and in our Services should not be considered financial advice, and are not intended to replace the services of financial professionals or other qualified professionals. WCI does not endorse and is not responsible for such messages or communications of third-parties and WCI does not warrant or condone the accuracy, completeness, or viability of any such messages or content posted by others. WCI shall not be liable for the messages or communications posted by third-parties.

  1. TERMINATION

WCI reserves the right to block, delete, or stop the uploading of materials and communications that it in its sole discretion finds unacceptable for any reason. If your right to use this Website or our Services ends, you shall make no further use of this Website or our Services, or any information obtained from this Website or through our Services.

  1. LINKING TO OTHER SITES

From time to time, we may provide links to other websites or services not owned, operated, or otherwise controlled by WCI. These may include social networking platforms such as Facebook, LinkedIn, Reddit, Pinterest, Instagram, X (Twitter), TikTok, which may permit interactions that you initiate between the Website or our Services and the social networking platform. We do this because we believe such information might be of interest or use to you or where we can provide you with value-added services. While we do our best to ensure your privacy, we cannot be responsible or liable for the content or privacy policies of other websites or services that it does not control. A link to a non-WCI website does not constitute an expressed or implied endorsement by WCI. Additionally, we cannot guarantee the quality or accuracy of information presented on non-WCI websites.

  1. APPROPRIATENESS OF CONTENT

Although this Website and our Services may offer general information, this Website and our Services do not solicit or accept information from any person younger than 16 years of age. This Website is not intended to attract children under the age of 16.

  1. NO LIABILITY FOR COMPUTERS AND NETWORKS USED TO ACCESS YOUR ACCOUNT

We are only responsible for the security of the computer systems we own and operate. WCI shall have no liability for information about you stored or recorded by any computer or mobile device or any network, whether public or private, that you may use to access the Website or our Services.

  1. ACCEPTABLE USE

You agree not to access or use the Website or our Services for an unlawful or illegitimate purpose. You shall not attempt to disrupt the operation of the Website or our Services. You shall not attempt to gain unauthorized access to any user accounts or computer systems or networks.

  1. OPERATION AND RECORD RETENTION

WCI reserves complete and sole discretion with respect to the operation of the Website and our Services. We may withdraw, suspend, or discontinue any functionality or feature of the services. WCI is responsible for maintaining data arising from use of the services, but does not warrant the accuracy or completeness of the data stored. WCI reserves the right to maintain, delete, or destroy all communications and materials posted or uploaded to the Website pursuant to its internal record retention and/or destruction policies.

  1. INTELLECTUAL PROPERTY

All of the content available on or through the Website and our Services is the property of WCI or their licensors, and is protected by copyright, trademark, patent, trade secret and other intellectual property laws. You agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast, or circulate the content received using the Website or our Services to anyone. All materials made available for download from the Website and our Services is the copyrighted work of WCI or its licensors. All other brands and names are the property of their respective owners. Nothing contained on the Website or our Services should be construed as granting any license or right to use any trademark displayed on this site without the express written permission of WCI, or any other party that may own the trademark.

  1. DIGITAL MILLENNIUM COPYRIGHT ACT

WCI respects the intellectual property of others and expects users of the Website and our Services to do the same. If you believe that your copyrighted work has been copied in a way that constitutes copyright infringement and is accessible on this site or through this service, you must provide the following information when providing notice of the claimed infringement to WCI:

  • Information reasonably sufficient to permit WCI to contact you, such as a telephone number and/or electronic mail address; and
  • A statement that you have a good faith belief that the use of the material is not authorized by the copyright owner, its agent or law.

The above information must be submitted as a written notification to WCI through WCI Customer Support by emailing us at [email protected].

  1. LIABILITY OF WCI AND ITS LICENSORS AND SUPPLIERS

Limitation of Liability. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WCI, AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, AND ITS LICENSORS, PRESENTERS, AND SUPPLIERS AND THEIR PARENTS, SUBSIDIARIES, AFFILIATES, SUPPLIERS AND THEIR OFFICERS, DIRECTORS, AFFILIATES, SUBCONTRACTORS, AGENTS AND EMPLOYEES (INCLUDING, FOR THE PURPOSES OF THIS ENTIRE SECTION, ALL PROVIDERS OF CONTENT FOR THIS WEBSITE) (COLLECTIVELY “RELEASED PARTIES”) EXCLUDE AND DISCLAIM ALL LIABILITY, AND SHALL NOT BE LIABLE TO YOU, UNDER ANY CIRCUMSTANCES OR UNDER ANY THEORY OF LIABILITY OR INDEMNITY, WHATEVER NATURE AND HOWSOEVER ARISING, FOR ANY DAMAGES OR PENALTIES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DIRECT, GENERAL, SPECIAL, INCIDENTAL INDIRECT, EXEMPLARY, PUNITIVE AND CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA, BUSINESS INTERRUPTION, OR OTHER LOSSES OF ANY KIND OR CHARACTER) EVEN IF THE RELEASED PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES, ARISING OUT OF OR IN CONNECTION WITH THE USE OR INABILITY TO USE THIS WEBSITE OR OUR SERVICES. THIS LIMITATION OF LIABILITY APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR ANY OTHER BASIS.

IF ANY PART OF THIS LIMITATION OF LIABILITY IS FOUND TO BE INVALID OR UNENFORCEABLE FOR ANY REASON, THEN THE AGGREGATE LIABILITY OF THE RELEASED PARTIES FOR LIABILITIES THAT OTHERWISE WOULD HAVE BEEN LIMITED SHALL NOT EXCEED TEN DOLLARS ($10.00).

No Warranties; Disclaimers. WCI MAKES NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THE WEBSITE, SERVICES, CONTENT AND ALL OTHER INFORMATION AVAILABLE ON OR PROMOTED THROUGH THIS WEBSITE OR OUR SERVICES. THIS WEBSITE AND OUR SERVICES AND ALL OF THEIR CONTENT (INCLUDING MESSAGES OR COMMUNICATIONS BY THIRD-PARTIES) ARE PROVIDED ON AN “AS IS,” “AS AVAILABLE” BASIS, WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND OR NATURE. TO THE FULLEST EXTENT PERMITTED BY LAW, RELEASED PARTIES (DEFINED ABOVE) DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT OF THIRD PARTIES RIGHTS, OR FITNESS FOR A PARTICULAR PURPOSE. TO THE FULLEST EXTENT PERMITTED BY LAW, THE RELEASED PARTIES DISCLAIM ALL REPRESENTATIONS AND WARRANTIES ABOUT THE SECURITY AND OPERATION OF THIS WEBSITE, AND THAT ANY TRANSMISSIONS OR ACCESS TO OR FROM WEBSITE AND OUR SERVICES WILL BE FREE OF ANY HARMFUL COMPONENTS (INCLUDING VIRUSES).

THE RELEASED PARTIES MAKE NO REPRESENTATIONS OR WARRANTIES THAT THE INFORMATION IN, OR LINKS OR SEARCHES CONDUCTED THROUGH THIS SITE ARE COMPLETE, EXHAUSTIVE, RELIABLE, CURRENT OR ACCURATE.

  1. INDEMNIFICATION

Without limiting the generality or effect of other provisions of this Agreement, as a condition of use, you agree to indemnify and hold harmless WCI, and its members, managers, officers, employees, agents, affiliates, and its licensors, presenters, and suppliers and their parents, subsidiaries, affiliates, suppliers and their officers, directors, affiliates, subcontractors, agents and employees (collectively, “Indemnified Parties” and each, individually, an “Indemnified Party”) against all costs, expenses, liabilities and damages (including attorney’s fees) incurred by any Indemnified Party in connection with any third party claims arising out of: (i) your use of the Website and/or our Services, (ii) your failure to comply with any applicable laws and regulations; and (iii) your breach of any of your obligations set forth here. You shall not settle any such claim without the written consent of the applicable Indemnified Party.

  1. CHANGES TO TERMS OF USE

WCI may revise, modify, or amend the information contained in the Privacy Policy, California Privacy Policy, or other Terms of Use at any time. Any such revision, modification or amendment shall be effective immediately upon either posting it to this Website or otherwise notifying you. By continuing to access or use the Website or our Services after those changes become effective, you agree to be bound by the revised Terms of Use.

  1. MISCELLANEOUS

WCI is based in Salt Lake County, State of Utah in the United States of America and makes no claims that the content and information included at this site is appropriate or may be downloaded outside of the United States. Access to the content and information included at this site may not be legal by certain persons or in certain countries. If you access this site from outside the United States, you do so at your own risk and are solely responsible for compliance with the laws of your jurisdiction and any other applicable laws.

These terms of use shall be governed and construed in accordance with the laws of the State of Utah without regard to the choice of law provisions of any jurisdiction. WCI may without notice to you assign its rights and duties hereunder to any party at any time. Failure to enforce or insist on strict performance of any provision of these terms shall not be construed as a waiver of any provision or right. You agree that any legal action or proceeding between WCI and you in any way related to these terms of use shall be brought exclusively in a court of a competent jurisdiction sitting in Salt Lake County, State of Utah. The invalidity or unenforceability of any provision shall not in any way affect the validity or enforceability of the rest of these terms.

  1. NOTICES

Use of the Website or our Services constitutes your agreement to receive all such notices electronically.

  1. QUESTIONS

If you have questions and comments, or if you believe that your confidentiality has been breached or that any of your communications have been intercepted, or you wish to notify us regarding a suspected violation of these terms, please contact Customer Support by email at [email protected].