Terms of Service

Last updated: July 2, 2026

This is for education and research only. It is not financial advice. Please consult a licensed financial adviser before making investment decisions.

These Terms of Service ("Terms") govern your access to and use of Asset-Class Explainer("the service"). By using the service, you agree to these Terms. If you do not agree, please do not use the service.

1. Educational purpose only

The service is an educational research tool that helps you understand and compare asset classes such as equities, fixed income, ETFs, commodities, cash, and alternatives. It does not provide financial, investment, legal, or tax advice, and it is not a licensed financial adviser. Nothing in the service should be interpreted as a recommendation to buy, sell, or hold any security or asset.

2. No reliance

Content is provided for general educational purposes and may be incomplete, out of date, or inaccurate. You are solely responsible for your own decisions. Always consult a qualified, licensed professional before making any investment decision.

3. Acceptable use

You agree not to:

  • Use the service for any unlawful or fraudulent purpose.
  • Attempt to disrupt, overload, or gain unauthorized access to the service or its infrastructure.
  • Misrepresent the service's output as personalized or professional financial advice.

4. Accounts

Some features require signing in. You are responsible for maintaining the confidentiality of your account and for activity that occurs under it.

5. Intellectual property

The service and its original content, features, and functionality are owned by the operator and are protected by applicable intellectual property laws. Third-party source material referenced in answers remains the property of its respective owners.

6. Disclaimer of warranties

The service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including fitness for a particular purpose and non-infringement. We do not warrant that the service will be uninterrupted, error-free, or accurate.

7. Limitation of liability

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, consequential, or special damages, or for any investment losses, arising out of or related to your use of the service.

8. Changes to these terms

We may update these Terms from time to time. Material changes will be reflected by updating the "Last updated" date at the top of this page. Continued use of the service after changes take effect constitutes acceptance of the revised Terms.

9. Contact us

If you have questions about these Terms, contact us at [email protected].