Terms of Service

Last updated: October 22, 2026

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and DRB Innovative Products LLC, doing business as Stocks of the Day (“Company,” “we,” “us,” or “our”), governing your access to and use of www.stocksoftheday.com (the “Website”), our email newsletters, alerts, data feeds, and paid memberships (collectively, the “Service”).

By subscribing to, accessing, or using the Service, you confirm that you have read, understood, and agreed to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Service.

1. Informational Publisher Disclaimer (Not Investment Advice)

Stocks of the Day is an automated, rules-based financial publisher. All content, stock picks, volume metrics, and market commentary provided through the Service are for general educational and informational purposes only.

• No Investment Advice or Recommendations. Nothing published on the Website or sent via our email newsletter constitutes investment, financial, tax, or legal advice, nor does it represent a personalized recommendation, endorsement, or solicitation to buy, sell, short, or hold any security or derivative.
• Non-Registered Status. DRB Innovative Products LLC is an informational publisher and is not registered as an investment adviser, broker-dealer, financial planner, or wealth manager under the U.S. Investment Advisers Act of 1940 or any state or foreign securities authority.
• Rules-Based Automated Screening. Stocks featured in our publications are selected programmatically based on objective, published volume and pricing parameters. They are not selected based on subjective analysis or individual financial suitability.
• Assumption of Risk. Trading equities and options carries inherent risk, including the possible loss of your entire principal investment. Past performance of any featured security does not guarantee or predict future results. You are solely responsible for conducting your own research and consulting a licensed financial advisor before making any investment decisions.
• No Fiduciary Relationship. Using the Service or subscribing to Pro does not create an advisory, agency, fiduciary, or client relationship between you and the Company.

2. Featured Stocks & Track Record Disclosures

A featured stock selection is an automated statistical output, not a prediction of market movement.

• Track Record Metrics. Performance track records displayed on the Website reflect historical price movements measured from the market close on the date of selection compared against baseline market benchmarks.
• Hypothetical Limitations. Track record figures do not represent actual trading in live brokerage accounts and do not account for slippage, trading commissions, margin rates, taxes, dividends, or execution delays.

3. Personal Trading & Conflict of Interest Policy

To maintain operational integrity and transparency:

• Ownership and Trading. Owners, writers, and operators of DRB Innovative Products LLC may hold long, short, or options positions in securities featured in the Service, or trade them in personal accounts.
• No Pre-Publication Trading. Operators are strictly prohibited from buying, selling, or initiating new positions in an equity featured in an upcoming newsletter issue until after that issue has been distributed to subscribers.
• No Endorsement or Trading Obligation. We do not trade every featured stock selection. Personal trades conducted by company operators represent personal investment decisions and do not constitute a recommendation, endorsement, or assessment of whether a security is good or bad.
• Disclosures & Affiliates. Pre-existing positions in featured securities held by contributors will be disclosed in that issue. Sponsored content, partner communications, or affiliate links will always be explicitly labeled.

4. Data Sources & Disclaimer of Warranties

We make reasonable efforts to maintain accuracy by sourcing market data, company filings, and news from reputable third-party data vendors, including Tiingo.

• “As Is” Service. The Service and all included market data are provided strictly on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.
• Third-Party Data Delays. Neither we nor our data providers (including Tiingo) guarantee the accuracy, completeness, or timeliness of market quotes or news feeds. We are not liable for errors, omissions, calculation bugs, or system interruptions.

5. User Conduct & Prohibited Activities

You agree to use the Service solely for lawful, personal, and non-commercial purposes. You expressly agree NOT to:

• Upload, transmit, or distribute any harmful code, viruses, malware, trojan horses, or automated scripts intended to disrupt or damage the Service or its servers;
• Impersonate any person or entity, or falsely state or misrepresent your affiliation with a person or entity;
• Harass, threaten, stalk, or abuse other users, company employees, or representatives;
• Circumvent, disable, or interfere with security-related features, rate-limiting mechanisms, or digital rights management tools of the Service; or
• Share your Pro Subscription credentials, login links, or active session keys with any third party. Accounts found to be shared or accessed concurrently across unauthorized devices may be suspended or terminated immediately without notice or refund.

6. User Eligibility & Account Responsibilities

• Age & Residency. You must be at least 18 years old to subscribe. The Service is published from the United States and intended for U.S. residents. Users accessing the site from international jurisdictions are responsible for compliance with their local laws.
• Email Communication. By subscribing, you consent to receive administrative, billing, policy, and transactional emails, as well as our daily informational communications and optional partner or affiliate offers.

7. Pro Membership, Auto-Renewal, Price Lock, & Refund Policy

• Billing & Payments. Pro Subscriptions are billed on a recurring monthly or annual basis through our PCI-compliant payment processor, Stripe. We never store or view your full credit card details.
• Founding-Member Price Lock. Subscribers who enroll under a Founding-Member pricing promotion will maintain their locked-in rate for as long as their subscription remains active and continuous without interruption or cancellation.
• Automatic Renewal. Your Pro Subscription will automatically renew at the end of each billing term at the locked-in or applicable standard rate unless canceled prior to the renewal date. You authorize our payment gateway to charge your designated payment method on each renewal date.
• Price Change Notices & Annual Reminders. In compliance with state Automatic Renewal Laws, we will provide at least thirty (30) days’ advance written email notice prior to implementing any price increase on recurring subscriptions. Subscribers on annual billing plans will receive a renewal notification email prior to the annual charge.
• Strict No-Refund Policy. All subscription fees are 100% non-refundable. We do not issue full or partial refunds, credits, or prorated adjustments for unused subscription periods, unread emails, or early cancellations.
• Cancellation. You may cancel your subscription at any time through the subscription management link on your members page or Stripe receipt, or by emailing support@stocksoftheday.com. Cancellation stops future auto-renewals, and you retain access to Pro features until the end of your paid billing period.
• Chargeback Policy. Initiating invalid, bad-faith, or fraudulent chargebacks with your payment card issuer regarding legitimate subscription charges constitutes a material breach of these Terms, resulting in immediate account revocation and restriction from future registration.

8. Service Discontinuance & Sale of Business

• Service Interruptions. Temporary downtime due to server maintenance, internet outages, or market vendor disruptions does not entitle subscribers to refunds or credits.
• Permanent Discontinuance or Business Transfer. If we permanently shut down the Pro service or transfer operations pursuant to a sale of business, merger, or asset acquisition, we will provide at least 30 days’ advance email notice. In the event of permanent shutdown without a successor entity, a prorated refund will be issued for any remaining pre-paid, unused subscription days.

9. Intellectual Property & Anti-Scraping Rules

All materials published on www.stocksoftheday.com, including text, layout, logos, algorithms, screening criteria, and software, are the exclusive intellectual property of DRB Innovative Products LLC or its licensors.

Restrictions on Use. Your subscription grants a limited, personal, non-exclusive, non-transferable license for personal use only. You explicitly agree NOT to:

• Republish, resell, syndicate, or redistribute Pro alerts, market data, or newsletter content to third parties;
• Use automated scripts, bots, spiders, or screen-scraping software to collect or extract data from the Service;
• Use any content, stock selections, or historical data from the Service to train, fine-tune, benchmark, or build artificial intelligence (AI) models, Large Language Models (LLMs), or competitive trading tools.

10. Copyright & DMCA Takedown Policy

We respect intellectual property rights. If you believe that any content on the Website infringes upon your copyright, please send a written DMCA Notice to our designated agent at support@stocksoftheday.com containing:

• A physical or electronic signature of the copyright holder or authorized representative;
• Identification of the copyrighted work claimed to have been infringed;
• Identification of the infringing material and its specific location on the Website;
• Your contact information (address, telephone number, and email);
• A statement of good-faith belief that the use is unauthorized; and
• A statement under penalty of perjury that the information in the notice is accurate and that you are authorized to act on behalf of the copyright owner.

11. Export Controls & OFAC Sanctions Compliance

By accessing or using the Service, you represent and warrant that you are not located in, under the control of, or a national or resident of any country subject to U.S. government embargoes or designated as a “terrorist supporting” country, nor are you listed on any U.S. government list of prohibited or restricted parties, including the Treasury Department’s Specially Designated Nationals (SDN) list.

12. User-Generated Content & Feedback License

The Service may allow you to submit comments, feedback, suggestions, questions, or other material (“User Content”). By submitting User Content via email, website forms, or social media channels, you grant DRB Innovative Products LLC a worldwide, perpetual, irrevocable, royalty-free, transferable, and sublicensable license to use, reproduce, modify, adapt, publish, translate, and distribute such content in any media without compensation or attribution obligations to you. You represent and warrant that you own or control all rights to any User Content you submit.

13. Third-Party Platforms & Social Media

Our posts, short-form video content, and updates published across third-party platforms (e.g., YouTube, TikTok, X, Instagram) are governed by these Terms as well as the respective platform’s policies. Third-party comments reflect the views of their authors and not DRB Innovative Products LLC.

14. Limitation of Liability

To the fullest extent permitted under applicable law, DRB Innovative Products LLC, its owners, officers, contractors, and data providers (including Tiingo) shall NOT be liable for any direct, indirect, incidental, consequential, special, or punitive damages, including investment or trading losses, lost profits, portfolio depreciation, or business disruption arising from your reliance on or use of the Service.

In all events, our aggregate liability for any claim related to the Service is strictly capped at the total amount you paid to us in subscription fees over the twelve (12) months preceding the claim, or $50 USD if you have not paid for any services.

15. Force Majeure & Service Availability

We do not guarantee continuous, uninterrupted, or secure access to the Service. DRB Innovative Products LLC shall not be liable for any delay, failure in performance, or interruption of service resulting directly or indirectly from acts of God, natural disasters, utility failures, global internet disruptions, cyberattacks, DDoS incidents, civil unrest, labor strikes, government actions, exchange-mandated trading halts, or failures of third-party infrastructure providers (including Stripe, Beehiiv, GitHub, or Cloudflare).

16. Indemnification

You agree to defend, indemnify, and hold harmless DRB Innovative Products LLC, its members, managers, employees, contractors, and data vendors from and against any claims, liabilities, losses, damages, or legal expenses (including attorneys’ fees) resulting from your misuse of the Service, violation of these Terms, or trading decisions made based on published content.

17. Electronic Signatures & Binding Agreement

You acknowledge and agree that by clicking an “Agree,” “Subscribe,” “Purchase,” or similar submission button, or by completing a payment transaction via our checkout gateway, you are submitting a legally binding electronic signature. You agree that your electronic submission constitutes your full agreement to these Terms of Service and our Privacy Policy just as if you had signed a physical paper contract.

18. Governing Law & Mandatory Binding Arbitration

Please read this section carefully as it affects your legal rights.

• Governing Law. These Terms and any legal disputes arising out of your use of the Service are governed by the internal laws of the State of Missouri, without regard to conflict-of-law principles.
• Informal Resolution. Before filing a formal claim, you agree to contact us at support@stocksoftheday.com with a written summary of the issue. Both parties agree to attempt in good faith to resolve the dispute informally within sixty (60) days.
• Binding Individual Arbitration. Any unresolved dispute shall be settled exclusively through confidential, binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration shall be conducted in the State of Missouri or virtually via video conference.
• Class Action Waiver. You and DRB Innovative Products LLC agree that all claims must be brought strictly in an individual capacity, and NOT as a plaintiff or class member in any class action, collective, or representative proceeding.
• Small Claims Court Option. Either party may bring an individual claim in a small claims court of competent jurisdiction located in Missouri.
• 30-Day Opt-Out Window. You may opt out of mandatory arbitration by sending written notice to support@stocksoftheday.com within thirty (30) days of your initial subscription, stating your full name, registered email, and explicit intent to opt out.

19. Limitation of Actions

To the maximum extent permitted by applicable law, you agree that any claim, dispute, or cause of action arising out of or related to these Terms, the Website, or the Services must be commenced within one (1) year after the accrual of such claim or cause of action. Otherwise, such claim or cause of action is permanently barred, waived, and extinguished.

20. Global Access & Foreign Securities Laws Disclaimer

The Service is controlled, operated, and published strictly from the United States and is intended exclusively for U.S. residents. We make no representation or warranty that the Website, newsletters, or financial data comply with the securities laws, investment regulations, or financial promotional standards of foreign jurisdictions. If you access or use the Service from outside the United States, you do so entirely at your own risk and initiative.

21. Third-Party Hyperlinks & External Services Disclaimer

Our emails and Website contain hyperlinks to external third-party websites, news outlets, earnings releases, and financial platforms for reference and convenience only. DRB Innovative Products LLC does not control, endorse, sponsor, monitor, or guarantee the accuracy, safety, or legality of any third-party content, products, or services. Accessing external links is strictly at your own risk.

22. Market Data Attribution & Licensing

Market data, quotes, and pricing metrics displayed or distributed through the Service are provided by Tiingo (Market Data from Tiingo.com). You acknowledge that such data is proprietary to Tiingo and its licensors, and is subject to their respective usage terms and limitations.

23. Modifications to these Terms

We reserve the right to modify, amend, or update these Terms at any time. Material updates will be posted on this page with an updated “Last Updated” date, and active subscribers will be notified via email prior to implementation. Continued use of the Service following posted updates constitutes binding acceptance of the revised Terms.

24. General Provisions & Contact Information

• Entire Agreement. These Terms and our Privacy Policy constitute the entire legal agreement between you and DRB Innovative Products LLC regarding your use of the Service.
• Severability. If any provision of these Terms is deemed invalid or unenforceable by an arbitrator or court, that provision will be modified to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
• Contact Information. For questions or notices regarding these Terms, contact us at support@stocksoftheday.com or by mail at DRB Innovative Products LLC, d/b/a Stocks of the Day, PO Box 1, Amazonia, MO 64421.