Terms & Conditions – One-Time PDF Report Sales

Pernas Research LLC (“Pernas Research,” “we,” “our,” or “this website”) is a Delaware-based company providing independent stock research for informational and educational purposes. Purchasing from this website constitutes agreement to the following terms. If you do not agree, please do not proceed with the transaction.

1. No Investment Advice

All material provided is for informational purposes only and does not constitute investment advice or a recommendation to buy, sell, or hold any security. We are not registered investment advisors. Any financial decisions you make based on our content are solely your responsibility. Always conduct your own due diligence and/or consult a qualified advisor before making investment decisions.

2. One-Time Purchases & Refunds

All sales are final. There are no refunds under any circumstances. By purchasing, you agree to these terms and confirm that you have reviewed our free research archive and understand the nature of our content before buying.

3. Delivery of Research

Reports are delivered immediately after purchase via direct download from our website. You will not receive the PDF via email. It is your responsibility to download the file at the time of purchase and store it securely. Claims of non-download, loss of file, or email non-receipt do not constitute grounds for refund.

If you encounter any issues accessing your file, please contact us at [email protected] immediately and we will assist you in completing the download.

4. Content Usage & Legal Enforcement

All content is protected under U.S. copyright law. No redistribution, forwarding, resale, reposting, or public sharing (in whole or in part) is permitted without explicit written consent from Pernas Research. This includes uploading reports to public or private forums, sharing files with colleagues, or otherwise making purchased content accessible to others.

Violations will result in immediate loss of access, permanent banning from future purchases, and legal action to recover damages, including statutory damages under the Copyright Act.

5. Security

We implement safeguards to protect access to your purchase. However, no online system is perfectly secure. Notify us immediately if you suspect unauthorized access to your account or purchase link.

6. Availability

We do not guarantee uninterrupted website access or download availability. We are not liable for downtime due to maintenance, technical issues, or force majeure events.

7. Changes to Terms

We may update these Terms & Conditions at any time. Continued use of the website or purchase of reports constitutes acceptance of the revised terms.

8. Jurisdiction

All claims or disputes arising from purchases or use of this site are governed by the laws of the State of Delaware. You consent to exclusive jurisdiction and venue in Delaware state or federal courts.

9. Intellectual Property

All content, trademarks, logos, PDFs, and design elements on this website are the property of Pernas Research LLC and may not be used or reproduced without written permission.

10. User Eligibility

This site is intended for users 18 years or older. By purchasing, you confirm you are legally eligible to enter into binding agreements.

Investment Risk Disclaimer

Investing involves significant risk. You may lose all or part of your capital. Past performance does not guarantee future results. By purchasing, you acknowledge that you understand these risks and that Pernas Research bears no responsibility for your investment outcomes.