Terms & Conditions
These Terms & Conditions govern your use of goldenretirememo.com and any newsletter, email, or other service we deliver under the Golden Retire Memo brand. The Site and the Services are operated by TerraTrance Technologies, LLC. By accessing the Site, by subscribing to the newsletter, or by otherwise using the Services, you accept these Terms and the related Disclaimer and Privacy Policy.
Eligibility.
The Services are intended for users who are at least 18 years of age and located in the United States. By using the Services, you represent that you are at least 18 years old and that you have the legal capacity to agree to these Terms in your jurisdiction.
If you are a parent or guardian and you discover that a minor under 16 has provided us with personal information, please contact us at support@goldenretirememo.com.
Nature of the Services.
Golden Retire Memo is a digital publication. We publish editorial content covering cryptocurrency and digital assets, decentralized finance (“DeFi”), financial markets, foreign exchange, the broader economy, and other topics of public interest. We also operate a free email newsletter that delivers a selection of editorial content together with promotional content from our advertising partners.
Golden Retire Memo is not a registered investment adviser, a broker-dealer, a financial institution, a digital-asset exchange, a sportsbook, a licensed gambling operator, a healthcare provider, or any other regulated professional services provider. The detailed disclaimers governing the financial-content, cryptocurrency, web3-betting/prediction-market, and other categories of content we publish are set out in the standalone Disclaimer.
Newsletter & email subscription.
When you provide your email address through our subscription form, you authorize Golden Retire Memo to send you the newsletter, related editorial content, and promotional content from our advertising partners. The mechanics of opt-in, the language of the consent, and the disclosures made at the point of subscription are set out in our subscription form and in our Privacy Policy.
Every commercial message we send complies with the CAN-SPAM Act of 2003 (15 U.S.C. § 7701 et seq.). Each email contains a working unsubscribe mechanism. We honor unsubscribe requests within the period required by law and we maintain a suppression list to ensure we do not contact users who have unsubscribed. If our newsletter is delivered to a Canadian recipient, the message is sent in compliance with Canada’s Anti-Spam Legislation (CASL). For mobile messaging, where ever applicable, we comply with the Telephone Consumer Protection Act (TCPA).
Advertising & partners.
Golden Retire Memo is monetized through advertising and through partnerships with third-party companies whose offers are featured on the Site or in our newsletter. We receive financial compensation from these partners in connection with the placement of those offers. The compensation may take the form of advertising fees, affiliate commissions, sponsorship payments, revenue-share arrangements, or similar consideration.
Under the Federal Trade Commission’s Guides Concerning the Use of Endorsements and Testimonials in Advertising (16 C.F.R. Part 255), we are required to disclose material connections that may affect how readers evaluate the content. The general disclosure of these material connections appears in our Disclaimer.
User conduct & prohibited uses.
When using the Services, you agree not to:
- Use the Services for any unlawful purpose or in violation of any local, state, federal, or international law.
- Attempt to gain unauthorized access to the Services, to other users’ accounts, or to any computer systems or networks connected to the Services.
- Use any automated tool, bot, scraper, crawler, or similar device to access, copy, or harvest content from the Services, except for legitimate search-engine indexing.
- Reproduce, republish, distribute, or create derivative works from our editorial content without our prior written permission, including but not limited to use of our content for training or evaluation of artificial intelligence or machine-learning systems.
- Interfere with the operation of the Services, introduce viruses or malicious code, or otherwise impair the integrity, security, or availability of the Services.
- Harass, abuse, threaten, defame, or impersonate any person, including impersonating Golden Retire Memo staff or our advertising partners.
- Use information from the Services to send unsolicited commercial messages.
Intellectual property.
All editorial content published on Golden Retire Memo, including articles, headlines, images we have licensed for our use, layout, design elements, and the Golden Retire Memo name and logo, is owned by TerraTrance Technologies, LLC or used under license, and is protected by United States and international copyright, trademark, and other intellectual property laws.
You may view, share through standard social-media share functions, and quote brief excerpts of our content under the principles of fair use, with appropriate attribution. Any other use of our content requires prior written permission from us.
Some of the content on the Site is supplied by third parties or is licensed to us by third parties. The intellectual property rights in third-party content remain with the original owners.
Voluntary use & risk.
YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES, AND ANY DECISIONS YOU MAKE BASED ON CONTENT PUBLISHED THROUGH THE SERVICES — INCLUDING CRYPTOCURRENCY AND DIGITAL-ASSET COVERAGE, DEFI ANALYSIS, PRICE PREDICTIONS, FOREX AND PERPETUALS COMMENTARY, WEB3-BETTING AND PREDICTION-MARKET COVERAGE, AND ANY OTHER CONTENT — ARE ENTIRELY VOLUNTARY AND AT YOUR OWN RISK. GOLDEN RETIRE MEMO DOES NOT GIVE PERSONALIZED INVESTMENT ADVICE, DOES NOT GIVE BETTING OR WAGERING ADVICE, DOES NOT GIVE PERSONALIZED FINANCIAL, LEGAL, OR TAX ADVICE, AND DOES NOT KNOW YOUR INDIVIDUAL CIRCUMSTANCES. ANY ACTION YOU TAKE ON THE BASIS OF OUR CONTENT IS YOUR DECISION.
Disclaimer of warranties.
THE SERVICES AND ALL CONTENT PUBLISHED THROUGH THEM ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, GOLDEN RETIRE MEMO DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AVAILABILITY, AND TIMELINESS.
WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; THAT DEFECTS WILL BE CORRECTED; OR THAT THE SERVICES OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY EDITORIAL CONTENT, MARKET DATA, PRICE QUOTATION, PRICE PREDICTION, OR OTHER INFORMATION PUBLISHED THROUGH THE SERVICES.
Limitation of liability.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, TERRATRANCE TECHNOLOGIES, LLC, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, EDITORS, CONTRIBUTORS, AGENTS, AND SERVICE PROVIDERS (COLLECTIVELY, THE “RELEASED PARTIES”) WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN NO EVENT WILL THE AGGREGATE LIABILITY OF THE RELEASED PARTIES TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS EXCEED THE GREATER OF (A) ONE HUNDRED UNITED STATES DOLLARS (US$100), OR (B) THE TOTAL AMOUNT YOU HAVE PAID TO US, IF ANY, IN THE TWELVE MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for certain types of damages. To the extent that such exclusions or limitations are not enforceable in your jurisdiction, the relevant disclaimers and limitations apply to the maximum extent permitted by applicable law.
Indemnification.
You agree to indemnify, defend, and hold harmless the Released Parties from and against any third-party claim, demand, loss, liability, damage, or expense (including reasonable attorneys’ fees) arising out of (a) your use of the Services in breach of these Terms; (b) your violation of any law or third-party right, including any intellectual property right; (c) any content you submit to us; and (d) your breach of any obligation under our Privacy Policy.
Dispute resolution.
11.1 Pre-Dispute Notice
Before initiating any formal proceeding, you agree to first contact us at support@goldenretirememo.com and describe your dispute in reasonable detail, giving us 30 days to attempt to resolve it informally.
11.2 Binding Individual Arbitration
If the dispute is not resolved within the thirty-day period described above, the dispute will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration will be conducted in the English language. The arbitrator’s decision will be final and binding, subject to the limited grounds for review provided by the Federal Arbitration Act.
11.3 Class-Action Waiver
YOU AND GOLDEN RETIRE MEMO EACH AGREE THAT ANY DISPUTE WILL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY, AND NOT AS A CLASS ACTION, COLLECTIVE ACTION, MASS ACTION, REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION. THE ARBITRATOR MAY NOT CONSOLIDATE THE CLAIMS OF MULTIPLE CLAIMANTS. IF THIS WAIVER IS HELD UNENFORCEABLE WITH RESPECT TO ANY CLAIM, THE ENTIRE ARBITRATION CLAUSE IN THIS SECTION 11 IS VOID WITH RESPECT TO THAT CLAIM, WHICH WILL THEN PROCEED IN A COURT OF COMPETENT JURISDICTION AS PROVIDED IN SECTION 11.5.
11.4 Jury-Trial Waiver
TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU AND GOLDEN RETIRE MEMO EACH WAIVE ANY RIGHT TO TRIAL BY JURY IN ANY PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES.
11.5 Governing Law and Forum
These Terms are governed by the federal law of the United States and, where federal law does not apply, by the law of the state in which TerraTrance Technologies, LLC is organized, in each case without regard to conflict-of-laws principles. For any matter not subject to arbitration, the parties consent to the exclusive jurisdiction of the federal and state courts of competent jurisdiction located in the United States, and waive any objection to venue in those courts.
11.6 Time Limit
Any claim arising out of or relating to these Terms or the Services must be filed within one (1) year after the claim arose. Claims filed after that period are permanently barred.
Modifications.
We may modify these Terms from time to time. If we make material changes, we will provide notice through the Site or by email to subscribers. Your continued use of the Services after the modified Terms become effective indicates your acceptance of the changes. The “Effective Date” at the top of these Terms identifies the most recent revision.
Termination.
We may suspend or terminate your access to the Services at any time, with or without notice, including if we believe in good faith that you have violated these Terms or applicable law. You may stop using the Services at any time and may unsubscribe from our newsletter using the mechanism described in the Privacy Policy.
Sections that by their nature should survive termination — including Sections 6, 7, 8, 9, 10, 11, and 14 — will survive any termination.
General.
Severability
If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force and effect, and the invalid provision will be modified to the minimum extent necessary to make it valid and enforceable.
No Waiver
Our failure to enforce any provision of these Terms is not a waiver of that provision or of any other provision.
Assignment
You may not assign these Terms without our prior written consent. We may assign these Terms at any time, including to a successor in connection with a merger, acquisition, or sale of assets.
Force Majeure
Neither party is liable for delays or failures caused by events beyond reasonable control, including natural disasters, war, terrorism, civil unrest, governmental action, internet or telecommunications failure, or pandemic.
Entire Agreement
These Terms, together with the Disclaimer and the Privacy Policy, constitute the entire agreement between you and Golden Retire Memo with respect to the Services and supersede all prior agreements and understandings.
Contact.
Questions about these Terms should be sent to: