Effective Date:1st September 2023
Last Updated: 1st June 2025

Welcome to Northstar Research (“Company,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your use of our website, research reports, subscriptions, and related services (collectively, the “Services”).

By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, do not use our Services.

You must be at least 18 years old and capable of entering into a legally binding agreement to use our Services. By using our Services, you represent that you meet these requirements.

Northstar Research provides financial research, reports, analytics, and related content for informational and educational purposes only.

• We do not provide investment, legal, or tax advice.
   
• Our Services are not a recommendation to buy, sell, or hold any security.
   
• Past performance is not indicative of future results.
   

You are solely responsible for your investment decisions and should consult a licensed financial advisor before acting on any information provided.

To access certain features, you may need to create an account. You agree to:

• Provide accurate and complete information.
   
• Maintain the confidentiality of your login credentials.
   
• Notify us immediately of any unauthorized use of your account.
   

We reserve the right to suspend or terminate accounts that violate these Terms.

• Access to certain Services requires a paid subscription.
   
• Prices, billing cycles, and payment terms will be disclosed at the time of purchase.
   
• Payments are processed securely through third-party providers.
   
• Subscriptions renew automatically unless cancelled prior to the renewal date.
   

All payments are non-refundable unless required by law or explicitly stated otherwise in writing.

You agree to use our Services only for lawful purposes and in accordance with these Terms. You must not:

• Copy, reproduce, distribute, or resell our research without prior written consent.
   
• Use our Services to engage in fraudulent, misleading, or illegal activities.
   
• Attempt to bypass or disable security features.
   
• Misrepresent our content as your own.
   

• All content, reports, data, designs, and materials provided through our Services are the property of Northstar Research or its licensors.
   
• You are granted a limited, non-exclusive, non-transferable license to use our content solely for personal or internal business purposes.
   
• You may not reproduce, distribute, or exploit our content for commercial gain without our express written permission.
   

• Our Services are provided on an “as is” and “as available” basis.
   
• We disclaim all warranties, express or implied, including but not limited to accuracy, reliability, merchantability, and fitness for a particular purpose.
   
• We do not guarantee that our Services will be uninterrupted, error-free, or free of harmful components.
   

To the maximum extent permitted by law:

• Northstar Research, its officers, employees, and affiliates are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our Services.
   
• Our total liability for any claim related to the Services shall not exceed the amount you paid to us in the past 12 months.
   

You agree to indemnify and hold harmless Northstar Research, its affiliates, and employees from any claims, damages, liabilities, costs, or expenses (including legal fees) arising from your use of the Services or violation of these Terms.

We may suspend or terminate your access to the Services at any time, without prior notice, if you violate these Terms or if we believe such action is necessary to protect our interests, users, or third parties.

Upon termination, your right to use the Services will immediately cease, and any unpaid fees will remain due.

Our Services may include links to third-party websites or services. We are not responsible for the content, policies, or practices of these third parties. Accessing them is at your own risk.

• These Terms are governed by the laws of Delaware, USA.
   
• Any disputes will be resolved exclusively in the courts of [Insert Jurisdiction], unless arbitration is required by law.
   
• If arbitration applies, disputes shall be resolved under the rules of [Insert Arbitration Body], with proceedings held in [Insert City/State].
   

We may update these Terms from time to time. The “Last Updated” date at the top reflects the most recent version. Continued use of our Services after changes are posted constitutes acceptance of the revised Terms.

For questions or concerns about these Terms, please contact us:

Northstar Research
Email: privacy@northstar-research.com
Address:444, N Michigan Av, Chicago, Il 60611
Phone: (773)-232-0444

Disclaimer: This document is for general informational purposes and should not be considered legal advice. We recommend consulting with a qualified attorney to ensure compliance with applicable laws in your jurisdiction.