Your use of our services is equivalent to your signature as evidence of your acceptance of the following terms and conditions. You acknowledge and agree that Laplace Insights is not licensed to be an investment advisory service, a financial planner, an investment advisor or a securities advisor. Laplace Insights does not (i) recommend or endorse specific securities; (ii) provide personalized advice to any person nor (iii) provide advice tailored on the needs of any person. Laplace Insights does not guarantee and makes no warranties or representations with respect to the sequence, accuracy or completeness of any information or data furnished hereunder, nor does it represent that the information or data disseminated may be relied upon for trading purposes and you agree that you will independently determine the opportunity of the trades to be made on any securities.

FURTHERMORE, THE RESEARCH IS PROVIDED ON AN “AS IS” BASIS AND NO GUARANTEES, REPRESENTATIONS, CONDITIONS AND WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE OR MERCHANTABILITY, ARE MADE BY LAPLACE INSIGHTS. LAPLACE INSIGHTS SHALL NOT BE RESPONSIBLE OR HAVE ANY LIABILITY FOR ANY DAMAGES, HOWSOEVER CAUSED, RESULTING FROM THE USE OF OR INABILITY TO USE THE RESEARCH OR ANY ERRORS, DELAYS OR INTERRUPTIONS IN THE TRANSMISSION OF DATA OR OTHER INFORMATION IN THE RESEARCH. IN NO EVENT SHALL LAPLACE INSIGHTS BE LIABLE FOR ANY LOSS OR DAMAGE OR LIABILITY SUFFERED OR INCURRED BY YOU OR ANYONE USING THE RESEARCH IN THIS DOCUMENT.

To the extent any of our research is used to form opinions and/or recommendations or are interpreted as such, they should not be construed as investment advice and is not an offer to buy or sell, or a solicitation of an offer to buy or sell, the securities of any issuer. You should not assume that any recommendations, insights, charts, theories, or philosophies will ensure profitable investment and consulting and advice from a licensed professional financial advisor, including a tax advisor, shall always be made to determine the suitability of any investment. Laplace Insights recommends that anyone making an investment or trading securities do so with caution. You should perform full due diligence and investigate any security fully (including the careful review of annual reports and other publicly available company information (including any prospectus) to complete your own due diligence in any investment) before making an investment, an investment recommendation or before the execution of a security trade based upon information learned through our research. Neither Laplace Insights nor anyone affiliated with us is responsible for any investment decision you make, and we will not be responsible for determining the suitability, appropriateness or advisability of any transaction that you may enter into in connection with such investment decision. You acknowledge and agree that past performance is not necessarily a guide to future performance.

You represent and warrant to Laplace Insights that your use of our research will comply with all applicable laws, rules and regulations and with the policies and practices of securities and future exchanges and associations, alternative trading facilities, and self-regulatory organizations, and the policies and procedures (whether stated orally or in writing) applicable to our research. Laplace Insights reserves the right to make any and all changes to these terms and conditions at its sole discretion without notice.

These terms and conditions have been made in the Province of Quebec (Canada) and shall be construed and enforced in accordance with the laws of the Province of Quebec (Canada) and the federal laws of Canada applicable therein. Any action to enforce these terms and conditions shall be brought in the courts located in the Province of Quebec (Judicial District of Montreal) to the exclusion of any other courts. If any provision is deemed to be unlawful or unenforceable, that shall not affect the validity and enforceability of the remaining provisions.