Terms of service

TERMS AND CONDITIONS

Effective Date: January 1, 2026

Last Updated: January 1, 2026

Please read these Terms and Conditions ("Terms") carefully before using the website located at www.jganesconsulting.com (the "Site") operated by J Ganes Consulting LLC ("we," "us," or "our").

1. INTRODUCTION

These Terms govern your use of our Site and the services offered through it, including without limitation market reports, subscription access, educational webinars and courses, and consulting sessions. If you do not agree with any part of these Terms, you should not access or use our services.

2. ACCEPTEANCE OF TERMS

By accessing or using the website located atwww.jganesconsulting.com/ (the “Site”) and any products, services, or content provided by J Ganes Consulting LLC (“we,” “us,” or “our”), including but not limited to reports, subscriptions, courses, and consultations (collectively, the “Services”), you agree to be bound by these Terms of Use (“Terms”) and our [Privacy Policy]. If you do not agree to these Terms, you may not access or use the Site or any of our Services.

These Terms constitute a binding legal agreement between you (the user, client, or organization) and J Ganes Consulting. You represent and warrant that you have the authority to enter into this agreement personally or on behalf of the entity you represent. If you are using the Services on behalf of an organization, you agree that the organization is bound by these Terms and that you are authorized to act on its behalf.

We reserve the right to update or modify these Terms at any time. Changes will be effective upon posting to the Site. Continued use of the Services after any such changes constitutes your acceptance of the revised Terms.

3. ELIGIBILITY

You must be at least 18 years old and have the legal capacity to enter into binding agreements in order to use our services. If you are accessing the Site on behalf of a company or organization, you represent that you are authorized to bind that entity to these Terms.

4. SERVICES OFFERED

J Ganes Consulting provides market intelligence products and services including:

  • Access to market reports (available via subscription or individual purchase)
  • Use of proprietary research tools, including an interactive chatbot for querying J Ganes Consulting analysis and historical insights
  • Registration for educational courses and webinars (ticketed events)
  • One-on-one consulting sessions (booked individually)
  • Other resources and materials offered digitally via the Site

Each product or service may have its own additional terms or requirements, which will be made available at the point of sale or access.

5. COURSE USE AND TICKET POLICY

Courses are conducted either virtually or on-site as requested by clients. Once a ticket is requested or purchased, J Ganes Consulting will coordinate dates directly with participants to schedule the course. Attendance is limited to those who have obtained valid tickets.

6. CONSULTATION TERMS

Consultations may be booked through the website by completing the contact form. Interested clients can purchase consultations directly on the site. Scheduled consultations are arranged based on mutual availability. Cancellation or rescheduling requests must be made at least 24 hours in advance. J Ganes Consulting reserves the right to charge a cancellation fee for no-shows or late cancellations.

7. USER ACCOUNTS AND ACCESS

To access certain services on www.jganesconsulting.com — including reports, courses, and consultations — you are required to register for an account. Your email address will serve as your User ID. You agree to provide accurate and complete information during registration, including company information and the number of users, and to update your information as needed.

8. USER CONDUCT

As a registered user or customer, you agree to the following terms:

8.1 ACCOUNT USE AND LIMITATIONS

  • You may not transfer, resell, or sublicense your access to any product or service.
  • You are responsible for all activity conducted under your account.
  • Each account is intended for a single user. Account sharing is strictly prohibited.
  • You must maintain the confidentiality of your User ID (email) and password.

• If you purchased a multi-user license, you are responsible for ensuring only authorized individuals within your organization use it, and that each user maintains their own credentials.

8.2 CONTENT PROTECTION

• You may not share or distribute reports, publications, or course materials to unauthorized parties.

• Prohibited distribution methods include, but are not limited to: email forwarding, file sharing, screen captures, printing for distribution, or posting on public or internal platforms.

• You may not republish, upload, post, transmit or distribute content available through the Service to online bulletin boards, message boards, newsgroups, chat rooms, or in any other manner.

• Modification of the content or use of the content for any purpose other than your own business and internal use is a violation of our copyright and other property rights, and can subject you to legal liability.

• All content is protected by copyright and intellectual property laws.

In addition, in connection with your use of the Service, you agree not to:

  • Restrict or inhibit any other visitor from using the Service, including, without limitation, by means of “hacking” or defacing any portion of the website
  • Use the Service for any unlawful purpose
  • Express or imply that any statements you make are endorsed by us, without our prior written consent
  • Modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of theService or our website
  • “Frame” or “mirror” any content available through the Service or our website
  • Use any robot, spider, site search/retrieval application, or other manual or automatic device or process to download, retrieve, index, data mine, or in any way reproduce or circumvent the navigational structure or presentation of the content available through the Service or web site.
  • Harvest or collect information about users of the Service

8.3 SECURITY BREACHES

We reserve the right to suspend or terminate your access if we suspect any misuse, false information, or violation of these Terms. For information on how we collect and use your personal data, please refer to our [Privacy Policy].

9. PAYMENT TERMS

You agree to pay all fees associated with your purchase of services or products through the Site, including without limitation subscriptions, courses, webinars, consultations and other quoted items.

9.1 ACCEPTED PAYMENT METHODS

We accept payments via the following methods:

• U.S. Bank Transfer (ACH) and Major Credit Cards (American Express, Visa, and MasterCard), securely processed through Stripe, our third-party payment gateway. J. Ganes Consulting does not collect or store any banking or credit card information on its servers. By submitting a payment, you authorize Stripe to process the transaction securely in accordance with its terms and privacy policy.

• Corporate Accounts Payable Systems: Companies with their own accounts payable process may submit payments via ACH or wire transfer outside of the website. In such cases, J. Ganes Consulting may be designated as a vendor, and the payment instructions provided on the invoice should be followed.

• International Clients: Clients without a U.S. bank account may remit payment via international wire transfer to the bank details listed on the invoice.

9.2 PRICING

Prices for our products and services, including individual reports, subscriptions, courses, and consultations, are clearly stated on our website or provided upon request and are subject to change at our discretion.

Subscription pricing is determined by the specific report selected and the designated user tier, which reflects the number of users authorized to access the content. We offer tiered pricing to reflect different team sizes. Clients are responsible for selecting the appropriate tier and accurately reporting the number of users in their organization.

Multi-user and enterprise licenses grant access to a limited number of authorized users, as specified at the time of purchase. If we determine that content is being accessed by more users than licensed, we reserve the right to adjust billing accordingly or suspend access until the appropriate license is purchased.

We reserve the right to change pricing at any time. However, any changes to subscription fees will only take effect at the start of a new billing cycle and will be communicated in advance.

9.3 FEES

If payment is not received within sixty (60) days from the invoice date, a late fee of $100.00 will be applied to the client’s account. An updated invoice reflecting the late fee will be issued. Continued non-payment may result in a suspension of services until the outstanding balance is resolved.

9.4 BILLING CYCLES

Payment terms vary based on the payment method selected at the time of checkout. Clients who opt to remit payment via Stripe-supported methods, including U.S. bank transfers and credit cards, acknowledge that funds will be processed in accordance with the terms and conditions of the respective payment providers. Clients who choose to pay via invoice agree that payment is due within thirty (30) days of the transaction date.

For recurring services, including annual subscriptions, an invoice will be issued thirty (30) days prior to the renewal date. Subscriptions renew automatically unless canceled; however, J Ganes Consulting does not retain client payment information. As such, clients are responsible for logging in to their Client Portal to pay for renewal invoices.

In cases where additional subscription services are added to an existing account, J Ganes Consulting reserves the right to prorate the initial charges to align all services within a single billing cycle. Thereafter, the client will be invoiced in accordance with the original subscription’s renewal date.

9.5 AUTOMATIC RENEWALS

Some services, including reports and access to certain content, are available on a subscription basis. If you choose to subscribe, your subscription will automatically renew at the end of each billing cycle, unless you notify J Ganes Consulting prior to the renewal start date that you wish to cancel.

Cancellations cannot be processed directly through your account. You must contact J Ganes Consulting via email at billing@jganesconsulting.com to request cancellation. Failure to notify us before the renewal start date will result in the automatic renewal of your subscription for the next billing cycle.

Refunds for any previously charged subscription fees are not provided, except as otherwise required by law.

9.6 REFUND AND CANCELLATION POLICY

All payments made for products or services, including subscriptions, reports, courses, and consultations, are final. J Ganes Consulting does not issue refunds, except when an adjustment is deemed necessary at our sole discretion. Any such adjustments will be made on an individual basis.

If you cancel a subscription before the renewal start date, you will retain access to the services until the end of the current billing cycle. However, no refunds will be provided for any previously paid fees. After cancellation, you will continue to have access to all historical reports that were available to you during your active subscription period, including any individual reports you purchased. These reports are available at any time via your Client Portal, under the Report Library.

10. INTELLECTUAL PROPERTY

All content provided through the Site, including, without limitation, reports, courses, articles, and digital tools, is the property of J Ganes Consulting or its licensors and is protected by intellectual property laws. This content is licensed to you for personal, internal business use only, and is not to be shared, reproduced, or distributed outside the scope of your license.

For entities that have purchased a multi-user license, access to the content is restricted to authorized users with have valid credentials and are listed as team members in your client profile. All users under a multi-user license must be part of the same organization and team, and content may only be shared with individuals within the same organization who have been granted access.

For enterprise licenses, all users must have email addresses under the same domain (e.g., all users must have company email addresses with the same domain). Sharing content outside the organization, or with individuals who do lack valid credentials, is strictly prohibited.

11. DISCLAIMERS

11.1 NO WARRANTY OF UNINTERRUPTED SERVICE

J Ganes Consulting, LLC, along with its strategic partners, affiliates, and suppliers, does not warrant that use of the Site or Services will be uninterrupted, error-free, or secure; that defects will be corrected; or that the Site or the servers on which it operates are free from viruses or other harmful components.

11.2 COMMUNICATION AND DELIVERY ISSUES

We are not responsible for delays or failures in the delivery of email notifications due to issues with your internet service provider, email client, or other external technical factors.

Reports are available exclusively through the client portal, and each authorized user is responsible for logging in to access content directly.

For active subscribers, an automated email notification may be sent when a new report is uploaded to the client portal. However, the availability or timing of such notifications is not guaranteed, and J Ganes Consulting is not liable for missed communications or failure to access a report as a result of reliance on email alerts alone.

11.3 RESEARCH AND OPINION BASED CONTENT

Research material, whether provided through the Client Portal, by phone, text message/WhatsApp, fax, email or other method of communication, includes opinions that are solely those of J Ganes Consulting, LLC based on information and data that is believed to be reasonably accurate at the time of Service. Reliance on the information and opinions provided is at the Client's sole risk.

Recommendations made are the result of J Ganes Consulting’s professional judgment under specific market conditions. Other advisory services or analysts may interpret data differently. Opinions are subject to change without notice, and no outcome or forecast is guaranteed.

Past performance does not guarantee future results. Clients should be aware that trading in futures and options involves significant risk and is not suitable for all investors.

11.4 NO GUARANTEE OF ACCURACY OR INTEGRITY

We make reasonable efforts to ensure the accuracy and integrity of the content we publish, but errors or unauthorized alterations may occur. We do not guarantee the completeness, correctness, or security of any content on the Site or within the client portal.

If you identify content that appears inaccurate or compromised, please contact us at info@jganesconsulting.com with:

  • A brief description of the issue
  • The location (e.g., title of the report, section of the portal)
  • Your contact information

We will investigate and address your concerns as promptly as reasonably possible.

12. LIMITATIONS OF LIABILITY

To the fullest extent permitted by law, J Ganes Consulting shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or relating to your use of the Site or any services provided.

13. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless J. Ganes Consulting, LLC, its members, officers, employees, agents, and affiliates from and against any and all claims, liabilities, losses, damages, judgments, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to:

  • Your use of or reliance on any reports, analyses, recommendations, or other materials provided by J. Ganes Consulting, LLC;
  • Your violation of these Terms and Conditions;
  • Your violation of any applicable law or regulation; or

• Your infringement or alleged infringement of the intellectual property or other rights of any third party.

J. Ganes Consulting, LLC reserves the right, at its own discretion and expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. In such cases, you agree to cooperate fully with such defense.

14. TERMINATION

We reserve the right to suspend or terminate your account and access to our services at any time, with or without notice, if you violate these Terms or misuse our content. Upon termination, you must cease all use of the content and destroy any downloaded or stored materials.

15. GOVERNING LAW AND JURISDICTION

These Terms of Use and your relationship with J. Ganes Consulting, LLC shall be governed by and construed in accordance with the laws of the State of New York, United States, without regard to its conflict of law principles. You and J. Ganes Consulting, LLC agree to submit to the exclusive personal jurisdiction of the state and federal courts located in New York County, New York, and waive any objections related to jurisdiction, venue, or forum non convenience with respect to such courts.

If any provision of these Terms of Use is found to be unlawful, void, or for any reason unenforceable, that provision shall be deemed severable and shall not affect the validity or enforceability of the remaining provisions. No waiver by either party of any breach or default shall be deemed a waiver of any preceding or subsequent breach or default.

Section titles and headings in these Terms of Use are for convenience only and shall have no legal or contractual effect. J. Ganes Consulting, LLC reserves the right to require you to sign a non-electronic version of these Terms of Use.

16. CHANGES TO TERMS

We reserve the right at any time to:

  • Change the terms and conditions of the Terms of Use
  • Change the Service, including eliminating or discontinuing ay content or feature of the Service
  • Change the fees, terms or other conditions for use of the Service with reasonable notice

17. CONTACT INFORMATION

If you have questions or concerns about these Terms, you may contact us at:

J Ganes Consulting

Email: info@jganesconsulting.com

Website: www.jganesconsulting.com