Terms of Service: Newbies Investing

Last Updated: January 12, 2026

Welcome to Newbies Investing. These Terms of Service (“Terms”) are an agreement between you and Newbies Investing (“we,” “us,” or “the Site”). They govern your use of our website, mobile applications, RSS feeds, and any other educational products we offer.

⚠️ PLEASE READ CAREFULLY

By using Newbies Investing, you agree to these terms. They affect your legal rights, including how disputes are handled. Crucially, this agreement includes a mandatory arbitration clause and a class action waiver (Section 12), meaning you agree to resolve disputes individually rather than through a court trial.

1. General Rules

• Acceptance: By accessing our Services, you agree to follow these Terms.

• Changes: We may update these Terms at any time. If we make big changes, we will update the “Last Updated” date above or email you. Your continued use of the Site means you accept the new rules.

• Service Changes: We might change or stop parts of the Site at any time without notice.

• Ads: To keep our content accessible, you may see advertising while using the Site.

2. Our Content (Copyright & AI)

All text, photos, designs, and “look and feel” on Newbies Investing are protected by copyright.

• Personal Use Only: You can read and download our content for your own learning. You cannot use it for commercial purposes.

• AI Restriction: You are strictly prohibited from using our content to train, fine-tune, or ground any Artificial Intelligence (AI) models or machine learning systems without our written consent.

• No Copying: You may not modify, publish, or sell our content.

3. Community Rules (Your Submissions)

We love hearing from you in the comments! However, you are responsible for what you post.

• Be Respectful: No bullying, hate speech, or personal attacks. Debate ideas, but don’t attack people.

• No Illegal Content: No malware, viruses, or illegal materials.

• Our License: When you post a comment or review, you give us a perpetual license to display, edit, and share that content across our platforms.

4. Prohibited Uses

You agree not to:

• Use “robots” or “spiders” to scrape our data.

• Attempt to bypass any security features or access areas of the Site you aren’t authorized to enter.

• Do anything that slows down our servers or harms our infrastructure.

5. THE FINANCIAL DISCLAIMER (IMPORTANT)

Newbies Investing is an educational portal. We are NOT registered broker-dealers or investment advisors.

• No Advice: Nothing on this Site should be taken as professional financial, legal, or tax advice.

• Your Risk: Any action you take based on our content is at your own risk.

• Consult a Pro: Always talk to a professional financial advisor before making any investment or trade. We are not liable for any money lost based on information from this Site.

6. Registration & Security

• Accuracy: If you create an account, you must provide accurate information.

• No Sharing: Your account is for you alone. Don’t share your login.

• Age Requirements: You must be at least 13 (USA/UK) or 16 (elsewhere) to use this Site. If you are under 18, a parent must review these terms with you.

7. Fees & Payments

Currently, much of our content is free. If we ever offer premium paid products, we will notify you clearly in advance. You will never be charged for something you didn’t explicitly agree to buy.

8. Third-Party Links

We often link to other websites (like the Wall Street Journal or Yahoo Finance). We don’t control these sites and aren’t responsible for their content or privacy practices.

9. Termination

We reserve the right to suspend or terminate your access to Newbies Investing if you violate these terms. You can stop using the site or delete your account at any time.

10. Governing Law

These Terms are governed by the laws of the State of New York and the United States of America.

11. Disputes (Arbitration & Class Action Waiver)

If we have a disagreement, we agree to try to fix it informally for at least 60 days first. If that fails:

• Arbitration: We will resolve the dispute through binding, individual arbitration via the American Arbitration Association (AAA), not in a court.

• No Class Actions: You agree to bring claims only as an individual, not as part of a group or class action lawsuit.

12. Contact Us

If you see someone violating these terms or have questions, please reach out to us through our contact page or send an email for: newbiesinvesting@gmail.com