Terms of Service (“Terms”)

Last updated: Jan 1, 2021

Please read these Terms of Service (“Terms”, “Terms of Service”) carefully before using the wealthcircus.com website (the “Service”) operated by LS MEDIA LLC dba Wealth Circus. (“us”, “we”, or “our”). THEY SERVE AS A LEGALLY BINDING AGREEMENT REGARDING YOUR USE OF THE SITE AND SERVICES PROVIDED BY WEALTH CIRCUS, LOBSTER SHARK MEDIA, AND LS MEDIA. OUR TERMS AND CONDITIONS REQUIRE YOU ARBITRATED DIRECTLY WITH US AND GIVE UP ANY RIGHT TO BRING A CLAIM AGAINST US VIA CLASS ACTION OR HAVE SAID DISPUTES DECIDED BY A JUDGE OR JURY.

You exclusively are responsible for your financial decisions. Always consult with a professional financial advisor who understands your unique situation and risk tolerance before making financial decisions.

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.

Termination

We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability. 

Links To Other Web Sites

Our Service may contain links to third-party web sites or services that are not owned or controlled by Wealth Circus. Links to third-party websites may be affiliate links that pay commissions.

Wealth Circus has no control over and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that Wealth Circus shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

Financial Information, Guidance, and Recommendations 

We, along with our subsidiaries, partners, and affiliates through offered Services, may provide a setting through which you may find third-party information and services (credit card companies, banks, insurance brokers and agents, discount services, and other financial professionals (Service Providers). We do not recommend, suggest, or otherwise endorse any of the products or services of Service Providers, nor are we an agent, advisor, or professional to our Service Providers, you, or anyone else. We do not investigate, validate, or certify the licensing, certification, industry authentication or other requirements or qualifications of Service Providers. Please do your own research to corroborate the position of these Service Providers; it is your responsibility to investigate their fit for your needs. You understand and affirmatively acknowledge that Service Providers are exclusively responsible for any and all services they provide and we are not responsible or liable for any costs, losses, claims, or damages associated, connected to, or arising from your use of a Service Providers service or Product. Before making any decisions or taking any actions based on the information presented on this site, we strongly suggest all site users obtain guidance from their own professional counsel (CFA/CFP, insurance agents/brokers, etc) who fully understand your unique financial position. You understand and accept that you rely solely on your own judgment/ that of your personal financial advisors in regard to selecting products and/or services presented by Service Providers

In using this site, you understand and concur that we are not a Service Provider, a bank or other financial institution, lending institution, insurance provider, or any other professional financial Service Provider or Advisor. Rather, we are a website that aims to connect site visitors with appropriate Service Providers, based on information a site visitor provides. We do not now- nor will we ever- make specific recommendations, promises, guarantees or the like as it relates to coverage, credit, etc offered by a Service Provider. We do not issue credit cards, loans, mortgages, insurance coverage or policies, or any other financial products or services. 

We make no promise, guarantee, representation, or warranty  of coverage, rates, terms, fees or quotes made on this site- by Service Providers or otherwise. We do not suggest these are the best fees, terms, quotes, rates, service, or coverage options available, nor do we suggest, etc that they are an appropriate choice for you and your circumstance. 

In using this site, you hereby agree to our terms and release us of any/all costs, damages, loses (real or perceived), or claims arising from, in connection to, or associated with your use of this site or a Service Provider’s services or products, including any fees directly or indirectly assessed by a Service Provider.

Requests for Quotes, Offers, and Information

Because we are not a Service Provider, if you request information, a rate, quote, service, etc, we may share your information with third parties offering said Services (henceforth referred to as a “Request”). If you submit a request to this site, your information may be shared with Service Providers, who may directly contact you with information about quotes, etc via telephone, mail, email, text message and other communication channels. As such, you may receive telemarketing phone calls as a result of submitting a request on this site, even if you are on the National Do Not Call registry or other do-not-call registries. 

In submitting a request, you’re explicitly agreeing to third-parties conducting any research required to provide you with information related to your Request, and understand these third-parties may need to share your information to conduct appropriate research. For instance, if you request information about a credit card, a credit report may be needed, to determine your eligibility for said credit card. This report may also be used for extensions, etc of credit card offers. If you do not want third parties to have access to your information to conduct research associated with your Request, you should not submit a Request. Once a request has been submitted, this Site cannot guarantee you will not receive offers stemming from your Request in the future. 

Intellectual Property Rights

Any trademarks, brand names, logos, page headers, graphics, brands, service marks, scripts, or button icons on this site or used in connection with or transmitted through our Services or Services Providers are the trademarks or trade dress of Wealth Circus in the United States and/or other countries (collectively Proprietary Marks). You may not use the Proprietary Marks without our prior written permission. We do not claim any third-party marks, names, logos, trademarks, or otherwise appearing in conjunction with our Service Providers, and any third-party marks are the property of their respective owners. 

We work with Service Providers and the information, content, data, advice, and software contained on or downloadable from them (collectively “Content), including but not limited to any and all text, images, graphics, art, icons, tools, photography, audio and video material (including podcasts), and artwork, are the copyright, unless otherwise licensed to, us or our Content suppliers. The design, arrangement, structure, compilation, structure, assembly, computer code, software applications, databases, and any arrangement of content contained within Wealth Circus or that of or Content or Service Providers is the property of Wealth Circus and/or Service or Content Providers, sponsors, licensors, partners, advertisers, and other parties is protected by law but not limited to, United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.

Any use of Wealth Circus or Service Provider Proprietary Marks without express written consent is strictly prohibited. You are soley responsible for damages incurred should you infringe on Wealth Circus or third-party trademarks or intellectual property. You are also responsible for any damages or harm incurred by us, directly or indirectly, as a result of your copying, distributing, or publishing the same for reasons that to not abide by the terms and conditions of this Agreement. 

Copyright Infringement and Digital Millennium Copyright Act

It is the policy of Wealth Circus to comply with Digital Millennium Copyright Act (“DMCA”), including responding to notices of alleged/potential copyright infringement and other related intellectual property laws; the complete Act may be found  U.S. Copyright Office website at http://www.copyright.gov. Where appropriate, we reserve the right to disable/terminate the accounts of users who infringe ours- or others- copyrights or  intellectual property rights. Please contact us with any copyright infringement claims.   

If we remove/disable access to potentially infringing content, the Wealth Circus Team will make a reasonable effort to contact the submitter of affected material so that they make a counter notification pursuant to DCMA Section 512(g)(2) and (3).

Pursuant to Title 17, United States Code, Section 512(c)(3), to be effective, the Notification must include the following:

  1. An electronic or physical signature of the owner, or an authorized agent
  2. Identification of the alleged copyrighted material/intellectual property 
  3. Description of where material that is allegedly infringing (please provide a link)
  4. Your contact information, with a reasonable amount of detail, so that we may contact you
  5. If available, information so that we may notify the owner of the infringing content
  6. A statement that you have reasonable belief that the disputed use of the copyrighted material has not permitted by the owner, an authorized agent, or the law
  7. A statement, under penalty of perjury, that the information in your Notification is accurate and true, and that you are the rightful owner/ authorized agent of disputed intellectual property or copyrighted material

Please email the Wealth Circus’s DCMA agent with notice of copyright or intellectual property infringement at [email protected] 

Note: If you substantially or intentionally misrepresent that material is infringing on your copyrights, you may be liable for damages, including- but not limited to- costs and legal fees. As such, if you are unsure whether material online infringes on your copyright, we suggest you engage your own legal counsel first. 

Dependency on Information Posted

Content posted on this site is solely for generic information purposes and is not intended to serve as specific financial or legal advice, to an individual, organization, or otherwise. We cannot and do not promise accuracy, completeness, or usefulness of information posted to the site. Any weight you place on the information posted on this site is at your sole discretion and risk. We disclaim any and all liability placed upon this Site’s content by you or any other site visitor, or user of Service Provider platforms. All decisions are made at your own risk. Wealth Circus is in no way obligated to edit, correct, update, or amend information related to Service Providers and we shall not be held liable for missing content, outdated information,  typographical errors, etc which may appear on this site or that of Service Providers. 

User Contributions

We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability. 

Advertisers

This site may contain advertisements, and inclusion of advertisements does not imply recommendation or endorsement of said products or services. In using this site, you hold harmless Wealth Circus for any/all loss or damages stemming from the presence of advertisements for Service Providers.  

Limitation on Liability 

NEITHER WILL WEALTH CIRCUS, NOR ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, OR SHAREHOLDERS SHALL BE RESPONSIBLE TO, OR LIABLE TO, YOU, OR ANY THIRD PARTY FOR DAMAGES OF ANY KIND, STEMMING FROM YOUR USE- OR INABILITY TO USE- THE SITE, A SERVICE PROVIDER’S SITE, YOUR VIOLATION OF THE TERMS AND CONDITIONS OF THIS AGREEMENT, YOUR RELIANCE UPON THE INFORMATION ON THIS SITE, OR INFORMATION, PRODUCTS, OR SERVICES OBTAINED THROUGH THIS SITE. WE WILL NOT BE LIABLE FOR ANY KIND OF  DAMAGES INCLUDING- BUT NOT LIMITED TO- LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS OR OPPORTUNITY, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY, BREACH OF OF CONTRACT, OR OTHERWISE, EVEN IF WE AND/OR OUR SUPPLIERS HAD BEEN ADVISED OF THE POSSIBILITY OF DAMAGES AND WAS DEEMED FORESEEABLE.

YOU EXPRESSLY ACKNOWLEDGE THAT WEALTH CIRCUS SHALL NOT BE LIABLE FOR USER-GENERATED CONTENT (UGC) OR ANY DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY, AND THAT ANY RISK OF DAMAGE OR HARM FROM SUCH THIRD-PARTY CONDUCT AND UGC LIES SOLELY WITH YOU, THE READER. 

SHOULD YOU DISPUTE OR DISAGREE WITH THESE TERMS OF SERVICE, THIS SITE, THE OFFERINGS OF SERVICE PROVIDERS, AND/OR OUR CONTENT, YOUR ONLY REMEDY IS TO CEASE USAGE OF THE SITE AND/OR SERVICE PROVIDERS, EVEN IF THE REMEDY IS DEEMED TO FAIL OF ITS STATED PURPOSE. YOU ASSERT AND SUPPORT THAT WEALTH CIRCUS HAS NO OTHER OBLIGATION, RESPONSIBILITY, LIABILITY OR OTHERWISE TO YOU OR ANY OTHER PARTY.  THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Indemnification 

You agree to defend, hold harmless, and otherwise indemnify Wealth Circus, our parent company, any and all subsidiaries, our directors, shareholders, employees, contactors, service providers, agents, and affiliates against all claims, damages, judgements, liabilities, losses, costs, awards, expenses or fees (including reasonable legal fees) stemming from or attributable to any breach or violation of this agreement you make, your failure to provide complete, accurate, and current personally identifiable information information which we request, your use of or access to our Services under any password issued to you by us, partners, Service Providers, or otherwise, your User Generated Content, and/or any property damage or personal injury caused by you.

Links To Other Web Sites

Our Service may contain links to third-party web sites or services that are not owned or controlled by Wealth Circus.

Wealth Circus has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that Wealth Circus shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 10 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

Contact Us

If you have any questions about these Terms, please contact us.