Terms of Service

1. Acceptance of Terms

By subscribing to the Nett Daily newsletter, visiting nettdaily.com, or using any of our services, you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy, which is incorporated into these Terms by reference.

If you do not agree to these Terms, please do not subscribe or use our services. These Terms constitute a legally binding agreement between you and Nett Daily.

We reserve the right to update these Terms at any time. Continued use of our services following notification of changes constitutes acceptance of the updated Terms.

2. Description of Service

Nett Daily is a free, daily email newsletter that delivers AI-curated personal finance news and education to subscribers. Each issue typically includes:

• A motivational quote of the day
• A market snapshot (publicly available financial data)
• Summaries of top personal finance news stories
• An actionable "Money Move of the Day"
• A notable financial statistic ("One Number")

Each day we also publish a short video version of the issue on our YouTube channel, @nettdailynews, and may show it on our website and in our emails. We upload these videos with our own Google Cloud application ("Nett Daily"), which uses the YouTube API Services; only the Nett Daily team signs in to it.

The newsletter is provided free of charge. We reserve the right to introduce premium features, sponsored content, or advertising in the future, which will be clearly disclosed.

We do not guarantee a specific publication schedule, though we aim to deliver every day by 7:00 AM Eastern Time. We may suspend, discontinue, or modify the service at any time with reasonable notice to subscribers.

3. Eligibility

By subscribing, you represent and warrant that:

• You are at least 16 years of age
• You have the legal capacity to enter into a binding agreement
• You are subscribing with your own email address or one you have authorisation to use
• Your subscription does not violate any applicable laws or regulations in your jurisdiction

If you are using Nett Daily on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms.

4. Subscription and Account

Subscribing to Nett Daily requires providing a valid email address. By subscribing, you:

• Consent to receive our newsletter and related service communications
• Confirm that the email address you provided is accurate and belongs to you
• Agree not to subscribe on behalf of another person without their permission

You may unsubscribe at any time by clicking the unsubscribe link in any email or by contacting us at hello@nettdaily.com. Unsubscribe requests are typically processed immediately and no later than 10 business days.

We reserve the right to refuse subscriptions, remove subscribers, or discontinue service to any individual at our sole discretion, including in cases of abuse, spam complaints, or violation of these Terms.

5. Not Financial Advice — Important Disclaimer

Nett Daily is a financial news and education service. We are NOT a registered investment adviser, broker-dealer, financial planner, or any other type of licensed financial professional. Nothing published in Nett Daily constitutes:

• Personalised investment advice
• A recommendation to buy, sell, or hold any specific security, asset, or financial product
• Tax advice or legal advice
• An offer or solicitation to buy or sell any financial instrument

All content is provided for informational and educational purposes only. Financial markets are inherently risky. Past performance discussed in our newsletter does not guarantee future results. The value of investments can go down as well as up.

Before making any financial decision — including but not limited to investing, borrowing, refinancing, or changing savings strategies — you should consult a qualified, licensed financial advisor, tax professional, or attorney who understands your specific situation.

We use artificial intelligence tools to assist in writing our newsletter summaries. While we strive for accuracy, AI-generated content may contain errors, omissions, or outdated information. We do not warrant the accuracy, completeness, or timeliness of any information published.

6. Acceptable Use

You agree to use Nett Daily only for lawful purposes and in accordance with these Terms. You agree NOT to:

• Use our content to make investment decisions without independent verification and professional guidance
• Reproduce, redistribute, sell, or commercially exploit our newsletter content without prior written permission
• Scrape, harvest, or systematically collect data from our website or emails
• Use automated means to subscribe, interact with, or abuse our service
• Impersonate Nett Daily or falsely claim affiliation with us
• Use our service in any way that could damage, disable, overburden, or impair our infrastructure
• Attempt to gain unauthorised access to any part of our systems
• Use our service to send unsolicited communications to others

Violation of these restrictions may result in immediate termination of your subscription and, where applicable, legal action.

7. Intellectual Property

All content published by Nett Daily — including but not limited to newsletter text, summaries, Money Moves, One Numbers, graphics, logos, and the Nett Daily name and brand — is the intellectual property of Nett Daily and is protected by applicable copyright, trademark, and other intellectual property laws.

What You May Do

• Read, save, and reference Nett Daily content for your own personal, non-commercial use
• Share brief excerpts (up to 2 sentences) with attribution to "Nett Daily (nettdaily.com)"
• Forward individual newsletter issues to friends or colleagues for personal use

What You May Not Do Without Written Permission

• Republish, reproduce, or redistribute our newsletter in full
• Use our content in any commercial product, publication, or service
• Create derivative works based on our content
• Remove or alter any copyright, trademark, or attribution notices

To request permission for uses beyond the above, contact hello@nettdaily.com.

User-Submitted Content

If you submit feedback, suggestions, or other content to us (e.g., via email), you grant us a non-exclusive, royalty-free, perpetual licence to use and incorporate that content in our service without compensation to you.

8. Third-Party Links and Content

Our newsletter and website contain links to third-party websites, news articles, and other resources. These links are provided for convenience and reference. We do not endorse, control, or assume responsibility for the content, privacy practices, or accuracy of any third-party website.

Financial data displayed in our newsletter (including market prices, interest rates, and economic statistics) is sourced from licensed third-party data providers and public sources. We strive for accuracy but do not warrant that any data is free from errors or delays. Always verify critical financial data with authoritative sources before acting on it.

Our videos are hosted on YouTube. By watching them on YouTube or through the video player on our website, you agree to be bound by the YouTube Terms of Service, and Google's use of data is covered by the Google Privacy Policy. How Nett Daily handles data from Google and YouTube is described in section 11 of our Privacy Policy.

Sponsored content and advertisements, when present, will be clearly identified as such. Sponsorship does not constitute our endorsement of any sponsor's products or services.

9. Disclaimers of Warranties

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NETT DAILY AND ITS OPERATORS PROVIDE THE SERVICE "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE
• WARRANTIES OF ACCURACY, COMPLETENESS, OR TIMELINESS OF CONTENT
• WARRANTIES THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES
• WARRANTIES REGARDING THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICE

You acknowledge that financial information is inherently uncertain and that no newsletter, tool, or service can guarantee profitable financial decisions. You use Nett Daily at your own risk.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL NETT DAILY, ITS OPERATORS, EMPLOYEES, OR AFFILIATES BE LIABLE FOR ANY:

• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES
• FINANCIAL LOSSES ARISING FROM RELIANCE ON OUR CONTENT
• DAMAGES EXCEEDING THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM (WHICH, FOR A FREE SERVICE, IS $0)

This limitation applies regardless of the legal theory under which the claim arises (contract, tort, negligence, strict liability, etc.) and even if we have been advised of the possibility of such damages.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for consequential damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

11. Indemnification

You agree to defend, indemnify, and hold harmless Nett Daily and its operators from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from or related to:

• Your use of the service in violation of these Terms
• Your violation of any applicable law or regulation
• Your violation of any third party's rights
• Any financial decisions you make based on our content

12. Termination

By you: You may terminate your subscription at any time by using the unsubscribe link in any newsletter email or by emailing hello@nettdaily.com.

By us: We may suspend or terminate your subscription at any time, with or without notice, for any reason, including but not limited to violation of these Terms, abusive behaviour, or a spam complaint. We may also discontinue the newsletter entirely with reasonable notice to subscribers.

Upon termination, your right to receive the newsletter ceases immediately. Provisions of these Terms that by their nature should survive termination will do so, including Sections 5 (Not Financial Advice), 7 (Intellectual Property), 9 (Disclaimers), 10 (Limitation of Liability), and 11 (Indemnification).

13. Changes to the Service and Terms

We may modify these Terms at any time. When we make material changes, we will notify active subscribers via email at least 14 days before the changes take effect and update the "Last Updated" date above.

We may also modify, suspend, or discontinue any aspect of the service at any time. We will provide reasonable notice of significant changes. Continued subscription after the effective date of changes constitutes acceptance.

14. Governing Law and Disputes

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of [Your State], without regard to conflict of law principles.

Any dispute arising from or relating to these Terms or your use of the service shall first be addressed through good-faith negotiation. If we cannot resolve the dispute informally within 30 days, disputes shall be resolved through binding arbitration in accordance with the American Arbitration Association's rules, rather than in court, except that either party may bring a claim in small claims court.

YOU WAIVE ANY RIGHT TO A JURY TRIAL OR TO PARTICIPATE IN A CLASS-ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

Notwithstanding the above, if you are located in the EU/EEA or UK, you may have the right to bring a dispute before your local courts or relevant regulatory authority.

15. Contact

If you have any questions about these Terms of Service, please contact us:

These Terms of Service were last reviewed by a qualified professional on April 15, 2026. Note: While these Terms have been drafted to be comprehensive and industry-appropriate for a newsletter business, we recommend having a licensed attorney in your jurisdiction review them before publishing.