Effective Date: 23 March 2024
Last Updated: 1 June 2025

These Terms and Conditions (“Terms”) govern your use of the services, products, and website provided by Northstar Research (“Northstar Research,” “we,” “our,” “us”). By accessing or using our services, you agree to be bound by these Terms. If you do not agree, you should not use our services.

Northstar Research provides financial information and research services. We do not provide investment, tax, accounting, or legal advice, and nothing in our reports, communications, or services should be construed as such. Any decisions you make based on our information are made at your own risk, and you should consult with a licensed professional advisor where appropriate.

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

To access certain features, you may be required to create an account. You agree to provide accurate and complete information when registering. You are responsible for maintaining the confidentiality of your login details and for all activities under your account. If you suspect unauthorized use of your account, you must notify us immediately.

Some services are offered on a paid subscription basis. By subscribing, you authorize Northstar Research or its third-party payment processors to charge the fees associated with your chosen plan. Fees are payable in advance and are non-refundable except where required by law. We may change subscription fees at any time with reasonable prior notice.

All content, reports, data, logos, trademarks, and other materials provided by Northstar Research are protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use our content for your personal or internal business use only. You may not copy, distribute, resell, or exploit our content without prior written permission.

You agree not to use our services for any unlawful purpose or in violation of applicable laws and regulations. You may not attempt to interfere with the operation of our systems, access data not intended for you, or use automated means to scrape or extract content from our website or services.

Our services are provided for informational purposes only. While we strive to ensure accuracy, we do not guarantee that any information is complete, reliable, or current. Financial markets are inherently risky, and past performance is not indicative of future results. We disclaim all liability for decisions made based on our content.

To the maximum extent permitted by law, Northstar Research and its officers, employees, and affiliates shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services. Our total liability for any claim shall not exceed the amount you paid us for the service in question during the preceding twelve months. Some jurisdictions do not allow limitations of liability, so these limitations may not apply to you.

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

We reserve the right to suspend or terminate your access to our services at any time, with or without notice, if we reasonably believe that you have violated these Terms or engaged in unlawful or abusive conduct. Upon termination, your right to use our services will immediately cease.

If you are located in the United States, these Terms are governed by the laws of the State of [Insert State], without regard to its conflict of laws principles. Any disputes shall be subject to the exclusive jurisdiction of the courts in that state.

If you are located in the United Kingdom or European Union, these Terms are governed by the laws of England and Wales, and you agree to submit to the exclusive jurisdiction of the courts of England and Wales.

We may update these Terms from time to time. Any changes will be posted on our website with the updated effective date. Your continued use of our services after such updates constitutes your acceptance of the revised Terms.

If you have questions regarding these Terms, please contact us at:
Email: Terms@northstar-research.com