Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and American System, Inc. ("American System," "we," "us," or "our") governing your access to and use of our website, applications, content, and services (collectively, the "Services").

By accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must immediately cease all use of the Services.

2. Eligibility

You must be at least 18 years of age and capable of forming a binding contract to use our Services. By using the Services, you represent and warrant that you meet these eligibility requirements.

3. Nature of Services

American System provides financial education and informational content only. We are not a bank, broker-dealer, investment advisor, or credit institution. Nothing on this website or in our communications constitutes financial, investment, legal, or tax advice.

All educational materials are provided for general informational purposes. You should consult with a qualified professional before making any financial decision.

4. Account Registration and Security

To access certain features, you may be required to create an account. You agree to provide accurate, current, and complete information during registration and to update such information as necessary.

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

5. Prohibited Conduct

You agree not to engage in any of the following:

• Using the Services for any unlawful purpose or in violation of any applicable law;
• Attempting to gain unauthorized access to any portion of the Services or any other systems or networks;
• Interfering with or disrupting the integrity or performance of the Services;
• Impersonating any person or entity, or misrepresenting your affiliation with any person or entity;
• Transmitting any viruses, malware, or other harmful code;
• Scraping, data mining, or harvesting information from the Services without our express written consent.

6. Intellectual Property

All content, materials, trademarks, logos, and intellectual property displayed on the Services are the property of American System or its licensors and are protected by United States and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Services for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

7. Disclaimers

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Services will be uninterrupted, timely, secure, or error-free, or that any defects will be corrected.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, AMERICAN SYSTEM SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF THE SERVICES.

Our total liability for any claim arising out of or relating to these Terms or the Services shall not exceed the amount you paid to us, if any, during the twelve (12) months preceding the event giving rise to liability.

9. Indemnification

You agree to indemnify, defend, and hold harmless American System and its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the Services or your violation of these Terms.

10. Termination

We reserve the right to suspend or terminate your access to the Services at any time, with or without cause or notice, for any reason, including violation of these Terms.

Upon termination, all licenses granted to you under these Terms will immediately cease. Provisions that by their nature should survive termination shall survive.

11. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles.

Any dispute arising out of or relating to these Terms shall be resolved exclusively in the state or federal courts located in New York County, New York. You consent to the personal jurisdiction and venue of such courts.

12. Changes to These Terms

We may modify these Terms at any time. The updated Terms will be posted on this page with a revised effective date. Your continued use of the Services after such changes constitutes your acceptance of the revised Terms.

13. Contact Us

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