This is an agreement ("Agreement") between you and Risk Latte. This Subscriber Agreement governs your use of the Risk Latte website (risklatte.ai). We offer access to our website to you conditioned on your acceptance without modification of this agreement. Your use of our website constitutes your acceptance of this agreement.

We reserve the right to modify this Agreement at any time without advance notice and will post a notice of the revised terms on our homepage.

Definitions "Risklatte.ai" is the interactive on-line service operated by Risk Latte Artificial Intelligence Inc.,. (referred to as Risk Latte) on the World Wide Web of the Internet, consisting of information, content and services provided by Risk Latte, partners and affiliates of Risk Latte and other third parties.

The terms “Subscriber", “User” and “Member” refer to any person or business that visits our website and/or registers for access to our free website or our premium services.

Risk Latte Online refers to the risklatte.ai website and other premiums services of the website.

Description of service Risk Latte Online provides users with access to a unique collection of resources for financial managers with a sharp focus on risk management. These resources include: research papers, articles, indices, modeling tools, training, informative features and forums. Our service includes advertisements which are necessary to enable us to provide this service. Our service may also include periodic communications from Risk Latte and these communications are considered part of the Risk Latte Online membership.

General (A) This Agreement sets forth the terms and conditions that apply to use of Risk Latte Online by the Subscriber. This Agreement is personal to you and is not transferable to any other person or entity. No third party is a beneficiary of this Agreement. By using Risk Latte Online (other than to read this Agreement for the first time), you agree to comply with all of the terms and conditions contained herein.

(B) Risk Latte reserves the right at any time to change or discontinue any aspect or feature of Risk Latte Online.

(C) Specific data and indices are provided by Risk Latte for informational purposes only and are not intended for trading purposes. Risk Latte shall not be liable for any errors or delays in content, or for any actions taken in reliance thereon.

(D) We may provide links to websites or services from other companies. You agree that we are not responsible for, and do not control, those web sites and services.

(E) You agree not to use Risk Latte Online for any unlawful purpose. We reserve the right to terminate or restrict your access to our website and related services if, in our opinion, your use of our service may violate any laws, infringe upon another person's rights or violate the terms of this Agreement. Also, we may refuse to grant you a user name that impersonates someone else, is protected by trademark or other proprietary right law, or is vulgar or otherwise offensive.

Privacy Registration data and other information about you are subject to our Security & Privacy Policy. Please refer to our Security & Privacy Policy, which can be accessed from the menu at the bottom of our homepage or via this link: Security & Privacy Policy.

Subscriber Conduct The technology and software underlying our sites is the property of Risk Latte, our affiliates and our partners. You agree not to copy, modify, rent, lease, loan, sell, assign, distribute, reverse engineer, grant a security interest in or otherwise transfer any right to the technology or software underlying our sites or the Services. You agree not to modify the software underlying our sites in any manner or form, or to use modified versions of such software, including (without limitation) for the purpose of obtaining unauthorized access to our sites.

You agree not to advertise or offer to sell any goods or services for any commercial purpose unless you have our written consent to do so;

You agree to use our Listening Post, forums, chat rooms, and/or message or communication facilities (collectively, the referred to as the "Rooms"), only to send and receive messages and material that are proper and related to that particular Room.

Unauthorized access to our sites is a breach of these Terms and a violation of the law. You agree not to access our site by any means other than through the interface that is provided by Risk Latte Artificial Intelligence Inc.,. for use in accessing our sites. You agree not use any automated means, including, without limitation, agents, robots, scripts, or spiders, to access, monitor or copy any part of our sites except those automated means that we have approved in advance and in writing.

Use of our site is subject to existing laws and legal process. Nothing contained in these Terms shall limit our right to comply with governmental, court and law enforcement requests or requirements relating to your use of our sites.

Monitoring Risk Latte shall have the right, but not the obligation, to monitor the content of chat rooms, forums and the Listening Post to determine compliance with this Agreement. Risk Latte shall have the right in its sole discretion to edit, refuse to post or remove any material submitted to or posted on Risk Latte Online. Without limiting the foregoing, Risk Latte shall have the right to remove any material that it, in its sole discretion, finds to be in violation of the provisions of this agreement or otherwise objectionable.

Indemnification The Subscriber agrees to defend, indemnify and hold harmless Risk Latte, its directors, officers, employees, affiliates and agents from and against all claims and expenses, including attorneys' fees, arising out of the use of Risk Latte Online by the Subscriber.

Disclaimer of warranties and Limitation of Liability WE DO NOT WARRANT THAT OUR SITES WILL BE UNINTERRUPTED OR ERROR-FREE. YOUR USE OF THE SERVICE IS AT YOUR OWN RISK. THE SERVICE AND THE CONTENT AVAILABLE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

IN ADDITION, WE DO NOT MAKE ANY WARRANTY OF ANY KIND AS TO THE CONTENT ON OUR SITES, ACCESS TO, AND USE OF THE SERVICES. WE SPECIFICALLY DISCLAIM ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY REPRESENTATIONS OR WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF RISK LATTE ONLINE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION OBTAINED BY YOU FROM RISK LATTE ONLINE SHALL CREATE ANY WARRANTY.

Limitation of Liability RISK LATTE AND ITS PARTNERS, AFFILIATES, SHAREHOLDERS, DIRECTORS, OFFICERS, EMPLOYEES AND LICENSORS ("THE RISK LATTE PARTIES") WILL NOT BE LIABLE (JOINTLY OR SEVERALLY) TO YOU OR ANY OTHER PERSON FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE OUR SITES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

ALL INFORMATION AND MATERIAL PROVIDED HERE ARE STRICTLY FOR EDUCATIONAL PURPOSE ONLY. Risk Latte Artificial Intelligence Inc, IS NOT A REGISTERED INVESTMENT ADVISOR WITH THE SFC OR ANY OTHER REGULATORY BODY AND NOR IS IT A REGISTERED DERIVATIVES ADVISOR WITH ANY REGULATORY BODY. WE DO NOT GIVE SPECIFIC INVESTMENT ADVICE OR ADVOCATE THE PURCHASE OR SALE OF ANY SECURITY OR INVESTMENT. WE SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY TRADING OR INVESTMENT DECISIONS MADE BASED ON SUCH INFORMATION. ALL USERS ARE STRONGLY RECOMMENDED TO CONSULT THEIR INVESTMENT ADVISORS, FINANCIAL CONSULTANTS AND BROKERS TO EXECUTE ANY TRADE AND TO ASSESS THE RISK OF ANY TRADES BASED ON ANY INFORMATION CONTAINED IN THIS PAGE OR ANYWHERE ELSE ON THIS SITE.

THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. SUBSCRIBER HEREBY ACKNOWLEDGES THAT THE PROVISIONS OF THIS SECTION SHALL APPLY TO ALL CONTENT ON RISK LATTE ONLINE.

Restrictions on Use THE SUBSCRIBER MAY NOT USE OUR SERVICE FOR ANY ILLEGAL PURPOSE OR IN ANY MANNER INCONSISTENT WITH THE SUBSCRIBER AGREEMENT. YOU AGREE TO USE THE SERVICE SOLELY FOR YOUR OWN USE AND BENEFIT, AND NOT FOR RESALE OR OTHER TRANSFER OR DISPOSITION TO, OR USE BY OR FOR THE BENEFIT OF, ANY OTHER PERSON OR ENTITY. YOU AGREE NOT TO USE, TRANSFER, DISTRIBUTE, OR DISPOSE OF ANY INFORMATION CONTAINED IN THE SERVICE IN ANY MANNER THAT COULD COMPETE WITH THE BUSINESS OF RISK LATTE. YOU MAY NOT COPY, REPRODUCE, RECOMPILE, DECOMPILE, DISASSEMBLE, REVERSE ENGINEER, DISTRIBUTE, PUBLISH, DISPLAY, PERFORM, MODIFY, UPLOAD TO, CREATE DERIVATIVE WORKS FROM, TRANSMIT, OR IN ANY WAY EXPLOIT ANY PART OF THE SERVICE, EXCEPT THAT YOU MAY DOWNLOAD MATERIAL FROM THE SERVICE AND/OR MAKE ONE PRINT COPY FOR YOUR OWN PERSONAL, NONCOMMERCIAL USE, PROVIDED THAT YOU RETAIN ALL COPYRIGHT AND OTHER PROPRIETARY NOTICES. THE ANALYSIS AND PRESENTATION INCLUDED IN THE SERVICE MAY NOT BE RECIRCULATED, REDISTRIBUTED, OR PUBLISHED BY YOU WITHOUT RISK LATTE' S PRIOR WRITTEN CONSENT. ADDITIONALLY, YOU MAY NOT OFFER ANY PART OF THE SERVICE FOR SALE OR DISTRIBUTE IT OVER ANY OTHER MEDIUM INCLUDING, BUT NOT LIMITED TO, THE INTERNET, A COMPUTER NETWORK OR HYPERLINK FRAMING ON THE INTERNET WITHOUT THE PRIOR WRITTEN CONSENT OF RISK LATTE. THE SERVICE AND THE INFORMATION CONTAINED THEREIN MAY NOT BE USED TO CONSTRUCT A DATABASE OF ANY KIND. NOR MAY THE SERVICE BE STORED (IN ITS ENTIRETY OR IN ANY PART) IN DATABASES FOR ACCESS BY YOU OR ANY THIRD PARTY OR TO DISTRIBUTE ANY DATABASE SERVICES CONTAINING ALL OR PART OF THE SERVICE. YOU MAY NOT USE THE SERVICE IN ANY WAY TO IMPROVE THE QUALITY OF ANY DATA SOLD OR CONTRIBUTED BY YOU TO ANY THIRD PARTY. YOU WILL NOT USE THE SERVICE OR THE INFORMATION CONTAINED THEREIN IN UNSOLICITED MAILINGS OR SPAM MATERIAL. YOU WILL NOT SPAM OR SEND UNSOLICITED MAILINGS TO ANY PERSON OR ENTITY USING THE SERVICE. YOU AGREE TO COMPLY WITH ANY OTHER APPLICABLE TERMS AND CONDITIONS OF SERVICE SET FORTH ON THE SERVICE.

Disclaimers WE DISCLAIM ANY RESPONSIBILITY FOR THE DELETION, FAILURE TO STORE, MIS-DELIVERY, OR UNTIMELY DELIVERY OF ANY INFORMATION OR MATERIAL. WE DISCLAIM ANY RESPONSIBILITY FOR ANY HARM RESULTING FROM DOWNLOADING OR ACCESSING ANY INFORMATION OR MATERIAL ON THE INTERNET USING SEARCH RESULTS FROM OUR SITE. WE DISCLAIM ANY RESPONSIBILITY FOR ANY SERVICE OUTAGES THAT ARE CAUSED BY OUR MAINTENANCE ON THE SERVERS OR THE TECHNOLOGY THAT UNDERLIES OUR SITE, FAILURES OF OUR SERVICE PROVIDERS (INCLUDING TELECOMMUNICATIONS, HOSTING AND POWER PROVIDERS) COMPUTER VIRUSES, NATURAL DISASTERS OR OTHER DESTRUCTION OR DAMAGE OF OUR FACILITIES, AN ACT OF NATURE, WAR, CIVIL DISTURBANCE OR OTHER CAUSE BEYOND OUR REASONABLE CONTROL. AND IF YOU SUBSCRIBE TO ONE OF OUR FEE-BASED SERVICES YOU WILL NOT BE ENTITLED TO A REFUND AS A RESULT OF ANY SERVICE OUTAGES CAUSED BY FAILURES OF OUR AFFOREMENTIONED SERVICE PROVIDERS. THE NOTES, ARTICLES AND REPORTS ("THE CONTENT") ARE PREPARED BY THE STAFF OF Risk Latte Artificial Intelligence Inc ("THE COMPANY") USING VARIOUS SOURCES, SUCH AS BOOKS, ARTICLES, RESEARCH PAPERS, WEBSITES AND CONVERSATION WITH EXPERTS; THE CONTENT IS STRICTLY NOT FOR SALE OR RE-DISTRIBUTION. IN ALL CASES THE COMPANY EITHER SEEKS EXPLICIT WRITTEN AND/OR VERBAL PERMISSION FROM THE SOURCE (THIRD PARTY) TO DISCLOSE CERTAIN FACTS IN THE CONTENT ON AN "AS IS" BASIS AND/OR MAKE MINOR OR SUBSTANTIAL MODIFICATIONS TO THE FACTS OR TO CLEARLY DELINEATE THE SOURCE OF THE FACTS SO DISCLOSED IN THE CONTENT AS WELL AS ALL INTELLECTUAL PROPERTY ASSOCIATED WITH IT. THE COMPANY DOES NOT OWN THE INTELLECTUAL PROPERTY OF ANY OF THE PRODUCTS, PROCESSES AND/OR IDEAS MENTIONED IN THE CONTENT, UNLESS STATED EXPLICITLY, AND THE CONTENT IS STRICTLY FOR EDUCATIONAL PURPOSES. THE COMPANY CANNOT AND DOES NOT GUARANTEE THE AUTHENTICITY AND/OR THE VERACITY OF THE FACTS, FIGURES AND EVENTS MENTIONED IN THE CONTENT AND DOES NOT ACCEPT ANY RESPONSIBILITY FOR ANY FACTS, FIGURERS AND EVENTS MENTIONED IN THE CONTENT.