Terms of Service

These Terms of Service (“Terms”) are a legal agreement between you and Your Daily Bullion (“we,” “us,” or “the Service”). They govern your access to and use of our website, newsletter, AI assistant, learning journey, community features, and paid memberships.

By creating an account, subscribing to a newsletter, or otherwise using the Service, you agree to these Terms and to our Privacy Policy and Disclaimer. If you do not agree, do not use the Service.

Important notice. Sections 11 (No financial advice), 12 (Disclaimers), 13 (Limitation of liability), 14 (Indemnification), and 16 (Governing law and disputes) limit our liability and affect your legal rights.

You must be at least 18 years old to create an account or purchase a paid membership. By using the Service you represent that you are at least 18 and that you have the legal capacity to enter into these Terms. The Service is designed for an adult audience interested in precious metals education.

You may register for an account using an email address and password or by signing in with a supported third-party identity provider (such as Google). You agree to provide accurate information, keep your account credentials secure, and notify us promptly if you suspect unauthorized use of your account. You are responsible for all activity under your account. We may suspend or terminate accounts that violate these Terms, that are inactive for a long period, or that we are required to remove for legal or security reasons.

Free and Insider tiers. The Service is offered on a free tier and a paid “Insider” tier. Insider unlocks additional content, learning features, and email series. The features included in each tier may change over time.

Payment processor. Insider memberships are processed by Lemon Squeezy, our merchant of record. By subscribing you also agree to Lemon Squeezy’s terms. Payment-card details are handled by Lemon Squeezy and are never stored on our servers.

Auto-renewal. Paid memberships are sold on a recurring subscription basis (e.g., monthly or annually) and automatically renew at the then-current price for the same term until cancelled. By subscribing, you authorize us and Lemon Squeezy to charge your payment method on each renewal.

Trials. If we offer a free or discounted trial, we will tell you the trial length and the price you will be charged when it ends. Cancel before the trial ends to avoid being charged.

Cancellation. You can cancel your subscription at any time from your account settings or from the customer portal link Lemon Squeezy provides. Cancellation stops future renewals; your Insider access continues until the end of the period you have already paid for.

Refunds. Except where required by law or expressly offered by us in writing, payments are non-refundable. We may, at our discretion, prorate or refund a charge in cases of duplicate charges, billing errors, or extended outages.

Taxes. Prices may exclude applicable taxes. Where required, taxes are calculated and collected by the payment processor based on your billing address.

Price changes. We may change subscription prices on a going-forward basis. We will notify you in advance and you can cancel before the change takes effect.

Newsletter subscriptions use double opt-in: you must click a confirmation link before we add you to a list. Every campaign email contains a one-click unsubscribe link. Transactional email (account confirmations, password resets, billing receipts, subscription state changes) is sent for the lifetime of your account because it is necessary to operate the Service.

You agree not to:

• Use the Service to violate any law or regulation, or to infringe anyone’s rights.
• Post or transmit content that is unlawful, harassing, defamatory, hateful, threatening, sexually explicit, or otherwise objectionable.
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity.
• Solicit or promote pump-and-dump schemes, fraud, or other deceptive financial activity.
• Send spam, chain letters, or unsolicited promotional messages through the Service or to other users.
• Attempt to gain unauthorized access to any part of the Service, other users’ accounts, or related systems.
• Probe, scan, or test the vulnerability of the Service, or breach any security or authentication measure, except through a coordinated security disclosure.
• Use automated tools (bots, scrapers, crawlers) to access the Service except as expressly permitted (such as our public RSS feeds and llms.txt). Reasonable rate limits apply to all clients.
• Reverse-engineer, decompile, or disassemble any part of the Service except to the extent expressly permitted by applicable law.
• Use the AI assistant to generate content that violates these Terms, applicable law, or the model provider’s usage policies, including content intended to defraud, harass, or impersonate.
• Resell, sublicense, or redistribute paid content, or share your account credentials with third parties.

Your content remains yours. You retain ownership of the content you submit to the Service (Stacker Spotlight stories and photos, community Q&A questions, profile bio and avatar, holdings notes, AI assistant prompts, and any other materials you upload).

License to operate the Service. You grant us a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, reproduce, adapt, publish, display, and distribute the content you submit, solely as necessary to operate, promote, and improve the Service. For Stacker Spotlights, community Q&A, and other content you choose to publish to the community, this license extends to the necessary public display, distribution, and inclusion in our newsletter and social-media posts. The license ends when you delete the content or your account, except for copies retained as part of routine backups, audit logs, or as required by law.

Your representations. You represent and warrant that you own or have the necessary rights to the content you submit, that it does not infringe any third party’s rights, and that it complies with these Terms.

Moderation. We may, but are not obligated to, review, edit, label, demote, or remove content that we believe violates these Terms or harms the community. We may also suspend or terminate accounts associated with such content. We are not responsible for content posted by users.

The AI assistant, the AI-driven onboarding interview, the personalized syllabus, the lesson player, and related features rely on third-party large language models and on data you provide. Outputs from these features can be inaccurate, incomplete, or out-of-date. Treat them as educational starting points, not authoritative answers, and verify anything that matters before you act on it.

Your messages and the assistant’s responses are stored in your account and are sent to the upstream model provider in order to generate replies. Do not paste sensitive personal information (government IDs, account numbers, full payment card numbers, third-party login credentials) into the assistant.

Subject to applicable law and the model provider’s policies, you are responsible for your prompts and how you use the outputs. You agree not to use the assistant to violate Section 5 (Acceptable use), to generate content that infringes third-party rights, or to extract personal information about other users.

Spot prices and other market data shown on the Service are provided for general informational purposes only. They come from third-party data providers, are updated on a periodic schedule, may be cached, and may be delayed, stale, or temporarily unavailable. Do not rely on them as the sole basis for any transaction. Always confirm current prices with your dealer or broker before buying or selling.

Some posts may contain affiliate links. If you click one and make a purchase, we may receive a commission at no extra cost to you. Affiliate relationships are disclosed where required. We may also display sponsored ad placements through third-party ad providers (for example, Google AdSense) in designated areas of the Service. The Service may also link to or interoperate with third-party websites and services (such as dealers, custodians, exchanges, or social platforms). We do not control and are not responsible for those third parties, their content, ad decisions, or their practices. Your use of any third-party service is governed by that service’s own terms and privacy policy.

The Service, including our software, written content, design, brand marks, syllabus, knowledge components, and curated data, is owned by us or our licensors and is protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial use in accordance with these Terms and your subscription tier. All rights not expressly granted are reserved.

Copyright complaints. If you believe content on the Service infringes your copyright, send a notice with the elements required by 17 U.S.C. § 512(c)(3) of the U.S. Digital Millennium Copyright Act to [email protected] with the subject line “DMCA Notice”.

The Service is for educational and informational purposes only. Nothing on the Service — including articles, newsletters, spot price displays, AI assistant responses, lesson content, syllabus recommendations, Stacker Spotlights, and community Q&A — is financial, investment, tax, accounting, or legal advice, and nothing on the Service is a recommendation or solicitation to buy, sell, or hold any precious metal, security, or other asset. We are not a broker-dealer, investment adviser, financial planner, or tax adviser.

Precious-metals investing involves risk, including the risk of loss. Spot prices are volatile. Past performance does not indicate future results. You are solely responsible for your decisions. Always do your own research and, where appropriate, consult a qualified, licensed professional in your jurisdiction.

The Service is provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory. To the maximum extent permitted by law, we disclaim all warranties, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, timeliness, and uninterrupted or error-free operation.

We do not warrant that the Service will meet your requirements, that AI-generated outputs will be accurate, or that any content, price, or recommendation will be appropriate for your situation. Some jurisdictions do not allow the exclusion of certain warranties, in which case some of these exclusions may not apply to you.

To the maximum extent permitted by law, in no event will we, our affiliates, or our service providers be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any lost profits, lost revenue, lost data, lost goodwill, or business interruption, arising out of or relating to your use of (or inability to use) the Service, regardless of the legal theory and even if we have been advised of the possibility of such damages.

Our aggregate liability to you for any claim arising out of or relating to the Service is limited to the greater of (a) the amount you paid us for the Service in the twelve months preceding the event giving rise to the claim, or (b) one hundred U.S. dollars ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages, in which case some of these limitations may not apply to you.

You agree to defend, indemnify, and hold us harmless (and our officers, employees, and agents) from any claims, damages, liabilities, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your use of the Service; (b) content you submit; (c) your violation of these Terms; or (d) your violation of any law or any third-party right.

You may stop using the Service at any time. You may delete your account from your account settings; deletion soft-deletes your profile and content, ends your active session, and unsubscribes you from newsletters, subject to records we retain as described in our Privacy Policy. We may suspend or terminate your access at any time, with or without notice, for any reason, including violations of these Terms or risk to the Service or other users. Sections that by their nature should survive termination (including Sections 6 last paragraph, 10, 11, 12, 13, 14, 16, and 17) will survive.

Your Daily Bullion is operated from the Republic of Costa Rica. These Terms are governed by the laws of the Republic of Costa Rica, without regard to its conflict-of-laws rules. The competent courts of San José, Costa Rica have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the Service, and you consent to personal jurisdiction and venue in those courts. To the maximum extent permitted by law, any claim must be brought within one year after the cause of action arose. You and we agree that any dispute will be resolved on an individual basis — class actions and representative actions are not permitted to the extent waivable under applicable law.

Non-waivable consumer rights. Nothing in this section overrides any consumer-protection right that the law of your country or state of residence makes non-waivable. If you are a consumer in a U.S. state, nothing in this section limits any right you have to bring a claim in your local small-claims court for matters within that court’s jurisdiction. If you are a consumer in Costa Rica, your rights under Ley de Promoción de la Competencia y Defensa Efectiva del Consumidor (Ley 7472) and Ley 8968 are unaffected.

Entire agreement. These Terms, together with our Privacy Policy and Disclaimer, are the entire agreement between you and us about the Service and supersede any prior agreement.

Changes. We may update these Terms from time to time. When we make material changes we will update the “Last updated” date and, where appropriate, notify you by email or in-app banner. Your continued use of the Service after the change takes effect means you accept the updated Terms.

Severability. If any provision of these Terms is held unenforceable, the rest will remain in effect and the unenforceable provision will be modified to the minimum extent needed to make it enforceable.

No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.

Assignment. You may not assign these Terms without our prior written consent. We may assign them in connection with a merger, acquisition, or sale of assets.

Notices. We may give you notices by email, in-app banner, or by posting on the Service.

Questions about these Terms? Email [email protected] or visit our Contact page.