Immersion Technologies LLC
Date of Last Revision: 03/01/2026
BINDING LEGAL AGREEMENT — PLEASE READ CAREFULLY
These Terms & Conditions (the “Terms”) are a legally binding contract. They include mandatory individual arbitration, a waiver of class actions, a waiver of jury trial, strict limits on monetary liability, and other provisions that significantly limit your legal remedies.
By accessing, browsing, using, subscribing to, or receiving messages from the Channels (including receiving email communications) you agree to be bound by these Terms. If you do not agree, do not use the Channels and unsubscribe/opt out immediately.
1. THE AGREEMENT, SCOPE, AND DEFINITIONS
1.1 Parties and Scope
These Terms are between you (“you,” “your,” or “Subscriber”) and Immersion Technologies LLC (“Immersion Technologies,” “Company,” “we,” “our,” or “us”), a limited liability company organized under the laws of the State of Delaware.
These Terms govern your use of {{Website URL}} and any related websites, newsletters, email publications, landing pages, message dispatches, and digital channels we operate or through which we distribute content (collectively, the “Channels”).
1.2 Acceptance; Privacy Policy Incorporated
Your use of the Channels constitutes your unconditional acceptance of these Terms and our Privacy Policy, which is incorporated by reference. If you object to any provision, you must cease all use of the Channels and unsubscribe from all communications without delay.
1.3 Eligibility; Geographic Responsibility
You may use the Channels only if you are at least 18 years old and legally able to enter binding agreements. Use by anyone under 18 is prohibited.
You are solely responsible for verifying that access to and use of the Channels is lawful where you are located. We make no representation that the Channels or any Publications are appropriate or permitted in every jurisdiction.
1.4 Child Protection (COPPA)
We do not knowingly solicit, collect, or retain personal information from children under 13 in violation of the Children’s Online Privacy Protection Act (“COPPA”). If we learn we have received personal information from a child under 13, we will delete it. If you believe a child under 13 has interacted with the Channels, contact us at info@bankstreetjournal.com.
1.5 International Access; No General Submission to Foreign Jurisdiction
The Channels are operated from the United States and are primarily directed at U.S. users. If you access the Channels from outside the United States, you do so on your own initiative and are solely responsible for compliance with local laws (including rules governing marketing communications, consumer protection, financial information services, and data protection).
Where applicable, we will seek to meet obligations that apply to our processing activities under frameworks such as the GDPR and the ePrivacy rules, as described in the Privacy Policy. This does not constitute a general submission to non-U.S. jurisdiction or a waiver of defenses available under U.S. law.
1.6 Definitions
- “Publications” means any article, newsletter, email, market commentary, analysis, opinion, chart, ranking, table, video, data display, hyperlink, educational material, or other content we publish or distribute via the Channels, in any format.
- “Virtual Assets” means cryptocurrencies, tokens (including utility, governance, and security tokens), stablecoins, NFTs, DeFi instruments/protocols, and any asset recorded on or deriving value from distributed-ledger or blockchain technology.
- “Protected Parties” means the Company and its officers, directors, managers, members, employees, contractors, agents, licensors, suppliers (including data vendors), advertisers, sponsors, and affiliates, individually and collectively.
2. WHAT WE ARE — AND WHAT WE ARE NOT
2.1 Financial Media Publisher Only
We are a financial media publisher. The Channels exist to produce and distribute general-audience financial news, commentary, opinion, analysis, and educational material.
We are not a bank, credit union, broker-dealer, investment adviser, insurance company, financial planner, tax professional, or accounting firm, and we do not provide personalized financial services.
2.2 No Professional Advice; No Personalized Recommendations
NO PUBLICATION CONSTITUTES PROFESSIONAL ADVICE. Nothing we publish constitutes: (a) investment advice or recommendations; (b) financial planning or wealth management; (c) tax advice; (d) legal advice; (e) accounting/audit services; (f) broker-dealer or securities intermediation; (g) insurance advice; (h) an offer/solicitation to buy/sell/hold/short any security or Virtual Asset; (i) a suitability analysis, KYC review, or individualized risk evaluation; or (j) any regulated professional service.
You must consult qualified professionals before making financial, tax, or legal decisions. You assume full responsibility for your decisions.
2.3 No Regulatory Registration; No Fiduciary Duty
We do not hold, and have never held, registration or licensing with the SEC, FINRA, state securities regulators, or similar authorities in connection with providing regulated financial services. No fiduciary, advisory, agency, or professional-client relationship is created by your receipt of Publications.
3. EDITORIAL STANDARDS, DISCLOSURES, AND DATA QUALITY
3.1 No Market Manipulation Intent
Publications are produced for journalistic/editorial/educational purposes only. Nothing is intended to manipulate, inflate, deflate, or artificially move any market for any security, Virtual Asset, or instrument.
3.2 Conflicts of Interest
We and our personnel may hold long or short positions in instruments discussed in Publications. We do not disclose positions on a per-Publication basis unless legally required. Such interests may influence coverage; you should factor that into your evaluation.
3.3 Forward-Looking Statements; Speculative Content
Publications may include forward-looking statements and speculative commentary. They are inherently uncertain and may be wrong. We have no duty to update, correct, supplement, or retract any Publication after release.
3.4 Performance Figures; Hypothetical/Back-Tested Results
Any performance figures are illustrative only and may be hypothetical, simulated, or back-tested. They do not reflect all real-world trading conditions (liquidity, slippage, fees, taxes, market impact, etc.).
PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS.
3.5 Third-Party and Delayed Data
Market data may be delayed, aggregated, or sourced from third parties and is not guaranteed to be real-time, accurate, or complete.
3.6 Methodology Notes for Tables, Rankings, and Visualizations
Where Publications include tables, rankings, charts, scoring, or quantitative summaries:
(a) criteria and weighting are chosen editorially and may differ from professional research methods;
(b) time horizons, scales, smoothing, and presentation choices may affect perceived volatility and outcomes;
(c) derived metrics may rely on assumptions or sources that differ from other publications;
(d) simulated/back-tested columns do not reflect real execution costs or behavioral factors.
Treat visualizations as starting points, not definitive analysis.
4. VIRTUAL ASSET RISK DISCLOSURE
Publications discussing Virtual Assets involve material risks, including: extreme volatility; evolving regulation and classification (including potential securities classification); total loss; exchange/custodian hacks or insolvency; smart contract/code vulnerabilities; lack of FDIC/SIPC protection; tax complexity; and illiquidity.
WE MAKE NO REPRESENTATION OR WARRANTY ABOUT THE LEGALITY, SAFETY, SUITABILITY, OR PROFITABILITY OF ANY VIRTUAL ASSET DISCUSSED.
5. ARTIFICIAL INTELLIGENCE AND AUTOMATED CONTENT
We may use AI tools (including large language models) to assist with drafting, editing, formatting, or summarizing Publications. Human review may occur, but errors, omissions, outdated statements, or fabricated claims may remain.
No AI-assisted Publication constitutes personalized advice, algorithmic investment advisory output, or individualized analysis. Our AI tools do not access or analyze your personal financial circumstances, objectives, or risk tolerance.
6. COMMERCIAL RELATIONSHIPS, ADS, AND AFFILIATES
6.1 FTC Material-Connection Disclosure
We may receive compensation from advertisers, affiliate networks, sponsors, and commercial partners (CPC, CPA, revenue share, fixed fee, or hybrid). This section provides standing notice consistent with FTC endorsement guidance.
6.2 Affiliate Links; No Endorsement
Links may be affiliate links. If you click and take a qualifying action, we may receive compensation. Compensation does not mean we endorse, certify, or guarantee any product/service/provider. We do not verify third-party claims and do not assess suitability for you.
6.3 Third-Party Transactions; No Liability
Any transaction with a third party is solely between you and that third party. We are not responsible for performance, legality, safety, quality, delivery, fraud, insolvency, or any loss arising from third-party dealings.
7. EMAIL MARKETING AND ELECTRONIC COMMUNICATIONS
7.1 Email Consent; Communication Scope
By providing your email address (directly or via a lawful third-party source), you consent to receive communications from us and affiliates, including Publications, newsletters, promotional messages, and operational notices. Electronic communications satisfy legal writing requirements where permitted.
7.2 CAN-SPAM Compliance and Opt-Out
We maintain commercial email practices designed to comply with the CAN-SPAM Act, including: a valid physical address, a functional opt-out mechanism, and honoring opt-out requests within required processing windows. You may opt out at any time by using the unsubscribe mechanism in any email or by contacting info@bankstreetjournal.com. Opting out of promotional email does not necessarily stop operational/transactional messages that we are permitted or required to send.
7.3 Deliverability; No Guarantee of Receipt
We do not guarantee that emails will be delivered, displayed, opened, or read. Delivery may be affected by spam filters, ISP policies, device settings, blacklists, throttling, outages, or third-party systems beyond our control.
7.4 Tracking, Analytics, and Measurement
Emails and the Channels may use pixels, UTM parameters, cookies, SDKs, or similar technologies to measure opens, clicks, conversions, deliverability, and content performance. These tools may be operated by us or third parties. Details are described in the Privacy Policy. You acknowledge that measurement is probabilistic and may be incomplete or inaccurate.
7.5 SMS/Mobile; TCPA
If we send SMS/MMS or other mobile communications, they may be subject to the TCPA and state laws. Where required by law, we will obtain the necessary prior express consent (including prior express written consent for marketing messages). Carrier charges may apply. To opt out, reply “STOP” or contact info@bankstreetjournal.com. Mobile opt-out does not automatically opt you out of email, and vice versa.
8. YOUR OBLIGATIONS; ACCEPTABLE USE
8.1 Representations
Each time you use the Channels, you represent and warrant that:
(a) you are at least 18 and legally competent;
(b) your jurisdiction permits your use/receipt of Publications;
(c) you are not on sanctions/asset-freeze lists maintained by OFAC, the U.S. Department of State, the EU, or other competent authority;
(d) you will not use the Channels for unlawful purposes (including fraud, money laundering, market manipulation, insider trading, or securities violations);
(e) you will conduct independent research and not rely solely on Publications; and
(f) information you provide is accurate and current.
8.2 Assumption of Risk; No Reliance
YOU ASSUME ALL RISKS arising from use of the Channels and reliance on Publications, including investment/trading losses, inaccurate or outdated information, and third-party dealings.
Publications are general background material. You have no right to treat them as a substitute for professional advice. You alone are responsible for decisions, actions, and omissions.
8.3 Compliance With Law
You agree to comply with all applicable laws, including export controls and sanctions regimes.
8.4 Acceptable Use
You agree not to: (a) interfere with the security or operation of the Channels; (b) attempt unauthorized access to systems or data; (c) use the Channels to distribute malware; (d) harvest email addresses or other identifiers from the Channels; or (e) use the Channels for unlawful or abusive purposes.
8.5 Accessibility
We aim to make the Channels reasonably accessible consistent with applicable standards. If you encounter accessibility issues, contact info@bankstreetjournal.com.
9. INTELLECTUAL PROPERTY; LICENSE; ANTI-SCRAPING
9.1 Ownership
All IP in the Channels (text, graphics, logos, trademarks, trade dress, software, and Publications) is owned by us or our licensors and protected by U.S. and international law.
9.2 Limited License
We grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Channels for personal, non-commercial informational purposes, subject to these Terms.
9.3 Restrictions; No Automated Access
You may not copy, reproduce, republish, redistribute, aggregate, sell, license, or exploit Publications except as permitted by law. You may share links and quote brief excerpts with attribution consistent with fair use.
You agree not to access or interact with the Channels via automated means (bots, crawlers, scrapers, feed aggregators, data-harvesting programs, AI training pipelines, or similar) without our prior written permission.
10. LIABILITY LIMITS; WARRANTY DISCLAIMER
10.1 Disclaimer of Warranties
THE CHANNELS AND ALL PUBLICATIONS ARE PROVIDED “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS.”
TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, AND STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT; AND ANY WARRANTY THAT THE CHANNELS WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR ACCURATE.
10.2 Exclusion of Certain Damages
TO THE FULLEST EXTENT PERMITTED BY LAW, NO PROTECTED PARTY SHALL BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, LOSS OF GOODWILL, LOSS OF OPPORTUNITY, OR INVESTMENT/TRADING LOSSES, ARISING FROM OR RELATING TO THE CHANNELS OR THESE TERMS, UNDER ANY THEORY OF LIABILITY.
10.3 Aggregate Liability Cap
TO THE FULLEST EXTENT PERMITTED BY LAW, THE TOTAL CUMULATIVE LIABILITY OF ALL PROTECTED PARTIES FOR ALL CLAIMS ARISING FROM OR RELATING TO THESE TERMS OR THE CHANNELS SHALL NOT EXCEED THE GREATER OF:
(i) US $100, OR (ii) THE TOTAL AMOUNT YOU PAID TO US (IF ANY) IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.
This cap applies in the aggregate and does not multiply per claim, incident, Publication, or message. Nothing in these Terms reduces any non-waivable minimum consumer entitlements that applicable law places beyond private contract.
10.4 Specific Exclusions
Without limiting the above, we disclaim liability for losses attributable to: (a) your financial decisions; (b) reliance on Publications; (c) third-party transactions; (d) security/privacy incidents; (e) inaccuracies/outdated/AI-assisted content errors; (f) third-party platform failures; and (g) linked destinations.
10.5 Jurisdictional Carve-Out
Some jurisdictions restrict limitations of liability. In those jurisdictions, liability is limited to the maximum extent permitted by law.
11. INDEMNIFICATION
You agree to indemnify, defend, and hold harmless the Protected Parties from any claims, demands, suits, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising from or relating to:
(a) your use of the Channels;
(b) your financial/trading decisions connected with Publications;
(c) your breach of these Terms or the Privacy Policy;
(d) your dealings with advertisers/affiliates/sponsors;
(e) material you submit;
(f) your infringement of third-party rights; or
(g) disputes between you and third parties relating to the Channels.
This obligation survives termination.
12. DISPUTE RESOLUTION (ARBITRATION; CLASS WAIVER; JURY WAIVER)
12.1 Governing Law
These Terms and disputes arising from them are governed by the laws of the State of Delaware, without regard to conflict-of-law principles. The parties acknowledge these Terms evidence a transaction involving interstate commerce, and the Federal Arbitration Act (9 U.S.C. §§ 1–16) governs the arbitration agreement’s enforceability and interpretation.
12.2 Required Notice of Dispute and Informal Resolution (Condition Precedent)
Before initiating arbitration, you must send a written Notice of Dispute that includes your name and contact details, a clear description of the facts, the legal basis for the claim, and the relief requested (including any amount).
Notices must be sent to: info@bankstreetjournal.com.
You may also send a copy by mail to: Immersion Technologies LLC, 260 Chapman Rd, Newark, DE 19702, United States (Attn: Legal).
After a Notice of Dispute is received, both parties will engage in good-faith efforts for at least 30 days to resolve the dispute. To the fullest extent permitted by law, this process is a mandatory condition precedent to arbitration.
12.3 BINDING INDIVIDUAL ARBITRATION
ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR THE CHANNELS — INCLUDING ARBITRABILITY — THAT IS NOT RESOLVED UNDER SECTION 12.2 SHALL BE RESOLVED BY BINDING INDIVIDUAL ARBITRATION administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect.
If AAA cannot or will not administer, the parties will select an alternative provider, or a court will appoint one. The seat of arbitration will be Wilmington, Delaware, unless the rules permit remote proceedings or the parties agree otherwise. The award is final and may be entered as judgment in any court of competent jurisdiction.
12.4 Mass Filing Protocol (25+ Similar Claims)
To the fullest extent permitted by applicable law and the administrator’s rules, if 25 or more similar claims are filed against the Company and coordinated by the same counsel or group (“Mass Filing”), the parties agree to a staged process: an initial tranche of up to 10 cases selected by claimants and up to 10 selected by the Company proceeds first; remaining matters are held in abeyance pending outcomes of the initial tranche and good-faith settlement discussions. Fees will be handled consistent with the staged schedule to the extent permitted.
12.5 No Class, Collective, or Representative Actions
YOU AND THE COMPANY AGREE THAT DISPUTES WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS. NEITHER PARTY MAY BRING OR PARTICIPATE IN ANY CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION OR CLASS ARBITRATION.
If a court/arbitrator holds this waiver unenforceable or allows class arbitration, the arbitration agreement in Section 12.3 is void, and the dispute will proceed in court subject to Section 12.7.
12.6 Jury Trial Waiver
TO THE FULLEST EXTENT PERMITTED BY LAW, EACH PARTY WAIVES THE RIGHT TO TRIAL BY JURY IN ANY PROCEEDING ARISING FROM OR RELATING TO THESE TERMS OR THE CHANNELS.
12.7 Fallback Courts
If arbitration is found inapplicable or unenforceable, each party submits to the exclusive jurisdiction and venue of the federal and state courts in New Castle County, Delaware, and waives objections to jurisdiction, venue, and convenience.
12.8 Filing Deadline
To the fullest extent permitted by law, any claim must be filed within one (1) year after it accrues or it is permanently barred.
13. SUBSCRIBER PREFERENCES, PUBLICATION FREQUENCY, AND CONTENT AVAILABILITY
13.1 Feature Availability
We may offer Publications and features at different access levels (for example, free or registered access). We may modify features, formats, or access methods at any time.
13.2 Publication Frequency; Breaking News
We do not guarantee a fixed publication schedule. Some Publications may be time-sensitive and may contain preliminary or incomplete information subject to later correction.
13.3 Preference Management
Where available, Subscribers may manage certain preferences. Preferences are best-efforts and may not prevent all messages in a category. Operational/compliance messages may continue as permitted by law.
13.4 Archive and Historical Content
Historical Publications may be removed or restricted at any time. Historical content may be outdated; you are responsible for verifying current accuracy.
14. GENERAL PROVISIONS
14.1 No Duty to Update; No Market Monitoring
We have no obligation to update or correct Publications and no duty to monitor market developments or provide real-time updates.
14.2 Anti-Money Laundering Position
We are a media publisher, not a financial institution. We do not verify the source of funds used in decisions informed by Publications and do not maintain an AML program under the Bank Secrecy Act. You are responsible for compliance obligations that apply to you.
14.3 Third-Party Links
Third-party links are provided for convenience. We do not control third-party resources and are not responsible for their content or practices.
14.4 Force Majeure
We are not liable for delays or failures caused by events beyond our reasonable control (natural disasters, pandemics, war, terrorism, civil unrest, government action, outages, cyberattacks, regulatory changes, etc.).
14.5 Equitable Relief
You acknowledge that breach of these Terms (especially IP misuse/automated scraping) may cause irreparable harm. We may seek injunctive or equitable relief without posting bond to the fullest extent permitted.
14.6 Notice to Cure
Except where immediate action is necessary for security, fraud prevention, legal compliance, or protection of rights, we may provide notice and an opportunity to cure suspected material breach before enforcement action. This does not create any ongoing obligation to provide notice in the future.
14.7 Assignment
You may not assign these Terms without our written consent. We may assign them freely (including in merger/acquisition/asset sale).
14.8 No Third-Party Beneficiaries
These Terms benefit only you and the Company. No third party has standing to enforce any provision.
14.9 Severability
If any provision is invalid or unenforceable, it will be modified to the minimum extent necessary or severed, and the remainder will remain in effect.
14.10 Non-Waiver
Failure to enforce any provision is not a waiver. Waivers must be in writing and signed by an authorized representative.
14.11 Entire Agreement; Interpretation
These Terms, the Privacy Policy, and any documents expressly incorporated by reference constitute the entire agreement regarding the Channels and supersede prior communications. Headings are for convenience only.
14.12 Modifications
We may modify these Terms at any time. Changes are effective when posted with an updated “Date of Last Revision.” Continued use of the Channels after changes constitutes acceptance, except where applicable law requires different notice.
14.13 Contact
Questions, concerns, or requests regarding these Terms:
Immersion Technologies LLC
260 Chapman Rd, Newark, DE 19702, United States
Email: info@bankstreetjournal.com
Phone: +1 (302) 248-1356
© 2026 Immersion Technologies LLC. All rights reserved.
